How do I even know if the raquet is holding me back?
I have my own flaws and working towards them, but if equipment could make me better I want to do it, but how do I even know that its time to upgrade?
Currently playing with arcsaber 7 play. If I wanted to upgrade anyway what is the natural upgrade to it?
MF: 92L
Equities: 15L
Debt Funds: 1.7cr
RSUs: 1.4cr
Debt receivable: 50L (loaned to relatives at 12%)
no house, no car.
Initially I wanted to Lean fire after 4-5 years, but after careful thought, I figured it might not be feasible from both financial and family viewpoints and decided to push it. My wife is adamnt that she wants our own house before we relax financially.
So now my main goal is to achieve financial Independence and move to a more relaxing job if possible. I dont want to touch my MF portfolio.
Couple of options are
- use RSUs+DebtFunds to buy the dream home, continue saving in MFs as long as possible
- use RSUs+debtFunds + receivable debt to buy a rental property to get ~2L per month as rent which will delay the house purchase to further down the line, probably 2-3 years where I can accumalate atleast 50% downpayment.
I am leaning towards 2nd option even though my Fire gets pushed a lot because it gives me a sense of financial independence much early.
What are the Sub's thoughts on my plan?
In another thread, I asked a review of my portfolio, 9/10 comments were about overlapping funds.
I had 7 funds total with 2 large caps and 2 mid caps. Majority of comments were about the overlap instead of discussing the actual allocation WRT to the goals. They almost talk like its a great sin to hold multiple.
Can you guys help me understand why is everyone fixated on having only 1 fund per category?
In my view, maitaining 7 funds is pretty much the same as maintaining 4 which in itself is almost 0 effort. I am not paying any extra TER. I get multiple exit/entry points in case something goes wrong with a fund.
Is there something inherently bad about about having multiple overlapping funds that I am blind to? Or are people just saying that because it's easy to say?
intro: I have been SIPing since 6.5 years, so not a complete newbie
Risk Appetite – Aggressive.
Investment Goal – Retirement.
Investment Horizon – 15 years.
Which App Do You Use? – Kuvera
Why You Selected These Funds: Selected these based on historical returns / momentum at the time of selection. Have some overlapping funds because I noticed some underperformance 3 years ago. Since its pretty much 0 effort to maintain, I generally dont have a problem with overlaps as long as there are not like 20-30 funds
Please suggest any changes. Ex: If I can be more riskier with the allocation, bad fund choices etc..
Can you people please let me know if its worth it to get a new battery on my 13 mini.
- recently it started acting up with battery life
- apps in the background are reloading every time i open them.
- not as snappier as before
Current battery health is 80%, can I expect significant gains in battery life, general speed.