My advice: nothing new

[jtmsavestheday]

@cbzwurks Agricultural land was an emotional buy to be honest but my only criteria was not to take burden. So bought far where there was water and a kaccha road. Now the road is tar road which is one of the biggest reason for appreciation

4 year vesting RSU might have different vesting types. If vesting equally, then yes you get 2500 dollars worth every year ( and has couple tax options). You can cash once it vests

 

[bigsmiles150]

@jtmsavestheday Hey, what’s the XIRR on the large cap and small cap? Is your sip amount consistent? Asking because the growth numbers seems a little low

 

[jtmsavestheday]

@bigsmiles150 I agree that large cap returns are low. I doubled my investment post covid. But reaching 1 cr in mutual funds equity gives you great leverage on other opportunities. Like you getting home loan for investments are easy. Also you think differently when you have 1cr in the bank.

2014 until 2016 I put around 30k a month for 20 months across small mid and large cap in Motilal.

Then in 2016 moved to zerodha. 2016 until 2020 invested 60k a month. After covid put 1 lac each month until recently.

These are approximate numbers

Invested total around: 52 lacs
Current portfolio value: 1.02 cr

 

[bigsmiles150]

@jtmsavestheday Great thanks for sharing. I started investing in 2020 and I consider myself fortunate that I got to know about investing and finance early in my career (I am 28 btw).

 

[jtmsavestheday]

@bigsmiles150 Awesome. Stay strong during some turbulence that we will all see soon. Long term betting on indi

 

[cbzwurks]

@jtmsavestheday Why take a home loan when u have cash?