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@lyanveness Not really. In 2022, my US based RSU got a correction of 35%. Also you’re looking at it at a really small time frame. Over a period of 15 years, even 4.5% average return rate is better than paying off the loan. Check this comment...

@jazzman87 Ok. Will look into it. Thanks. Really appreciate all the advice

@jazzman87 Thanks a lot. But I was also asking where to put it until correction. Which maybe in a few months or even a year

@jazzman87 Noted. Where to put it in until then? Hybrid funds? Also Shall I start a SIP of 15k in Parag Parekh hybrid fund after paying off education loan ?

@jazzman87 I am just 24. I don’t want to play as safe as putting it all in FD yet.

@jazzman87 Why do I need to close my loans? When I can invest that lump sum to earn more

@pepperbites That’s true tho

@pepperbites How are balanced/hybrid funds or advantage fund you mentioned different than your regular MFs?

@pepperbites I am investing monthly in Parag Parekh flexi cap and UTI nifty 50, 25 k each. They no good? But I agree. I can atleast pay off the education loan. That extra deduction of 15k from my salary doe’s feel limiting sometimes

@pepperbites Also my annual salary is 80l+ atm. Even though job security in IT sector is not guaranteed anymore. But even if I don’t loose job for atleast 5 yrs. Loans of 50l shouldn’t be much of an issue in case of an emergency like stock market crashing

@pepperbites Yes. We have a bias of paying off the deb cuz it’s mentally stressing. But if you think logically, it doesn’t make sense. Check this comment of mine: https://www.reddit.com/r/personalfinanceindia/s/AWIvFF8xDb

@pepperbites Agreed. So why not put 2.5L lump sum of the principal on those small/mid cap funds?

@pepperbites But it’s just 8.5% interest rate tho. Why pay it off? I am getting >15% on my equity and MF. And 25% yoy average on RSUs for past 3 yrs

@oby Are they any good? From my friend’s experiences they aren’t that good

Recently sold a couple of my RSUs. Of around 16 L Where should I invest these? 1. Parag Parikh and Nifty 50 (8L each) 2. Equity? If yes, any stocks suggestions? 3. Shall I also put some in FDs ? Current investments: 1. 23 L RSUs (unsold) 2. 9.6 L in MF(PP and UT 50) 3. 9.5L in equity 4...

@mythriilesque Yup, I agree. But I usually use 10% inflation in my calculations

Considering, Monthly SIP = 3,50,000 Period = 15 yrs Step Up = 10% CAGR = 12% Without adjusting for inflation: NW in 15 yrs = 30 Cr While adjusting for inflation using calculator above: Which probably use a real return = (1+CAGR)/(1+inflation) - 1 NW in 15 yrs: 15 Cr So basically it halved...