u/Wealthpedia

Why Daman and other Union Territories don’t have public transport?

Why don’t they allow Uber/Ola to operate?

I have recently shifted to Daman. Nice city and people are also helpful and honest.

One thing I don’t like is the lack of public transportation in the city. There is No. facility for the people with No. vehicle.

Taxi/auto drivers are charging exorbitant rates (more than double).

I paid 200 rupees for 4km ride.

Any good place for dinner at nani daman? I am in Daman today and looking for good restaurant/hotel for veg dinner.

Any suggestions please.

I will soon shift to Daman (Nani Daman) and looking for house on rent at good decent / posh area.

Budget would be around 10-12k.

I see lots of products and services are named after cockroach 🪳
Is it really becoming a brand or just a memes?

I strongly feel it should remain memes only.

With the introduction of new labour code, EPF deduction will be 50% of basic salary.

On the other side, there will be an income tax on the interest earned on contribution >2.5 lacs.

This will increase tax liability on the salaried employees.

A retiree starts retirement with:

Corpus: ₹3 Crore
Inflation: 6% per year
Monthly Expenses: ₹1 Lakh

Sounds comfortable, right?

But here’s the catch:

At 6% inflation, ₹1 lakh/month today becomes:

• ₹1.79 lakh/month in 10 years
• ₹3.21 lakh/month in 20 years
• ₹5.74 lakh/month in 30 years

So here’s the question: Assuming a balanced portfolio (equity + debt), how long do you think the ₹3 crore corpus will last?

I’m curious to see how different people think about inflation, withdrawals, and retirement sustainability.

Most of us in India don’t actually plan for FIRE properly.

We invest in SIPs, maybe track net worth… but when it comes to multiple real-life goals happening together, things get messy.

Retirement

Kids’ education

Buying a house

Emergency fund

Maybe even early retirement

Everything competes for the same monthly income.

That’s the problem I was trying to solve.

So I built a free Multi-Goal FIRE Planner specifically for Indian users:

https://www.wealthpedia.in/multi-goal-fire-planner-india/

It’s completely free. No. Sign up, No. logins.

Note: I am not making any money from this tool.

I have been trying hard to rank on Google SERP. I am trying hard but don’t know where am I lacking.

I’ve been noticing more people shifting to direct plans (via AMC websites, MF Central, Coin, Groww, etc.) instead of regular plans.

Wanted to break down the actual numbers + trade-offs.

Cost & Returns

Direct plans are cheaper by ~0.5%–1.5% annually (no distributor commission)

That can mean ₹20–25 lakh extra over long-term SIPs

Same fund, same portfolio—only cost differs

Growth Trend

Direct AUM grew ~43.5% YoY, vs ~11% for regular plans

Direct share is steadily rising, but still not dominant

The surprising part (behavior gap)

Investors holding >5 years:

Regular plans: ~21%

Direct plans: ~7–8%

So regular investors stay invested ~3x longer

Direct Plans – Pros

Lower cost → higher returns

No commission bias

Full control

Direct Plans – Cons

No guidance

Higher chance of panic selling / wrong allocation

Requires discipline

Regular Plans – Pros

Advisor support (asset allocation, rebalancing)

Better investor discipline

Handholding during market crashes

Regular Plans – Cons

Higher fees

Possible product pushing

My takeaway:

Direct plans win on math, regular plans win on behavior.

Most people save ~1% cost but lose more due to bad decisions.

Curious to hear—are you investing via direct or regular? And why?

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