u/mavericksage11

First of all this app is really great. Currently I can't afford the lifetime membership, I'll definitely get that as soon as possible.

Text to speech is exceptional and it feels like almost an audiobook, especially the edge ones.

When I'm wearing ear buds, I can pause normally by tapping on the buds but when I tap again, it does not resume. This works fine with other audiobook player apps, but not for this.

Is there an option to fix this?

I removed the drm from a book bought on Google playstore. I used deDRM and deAcsm plugins on calibre. (Via ADE Authorization)

My question is, if what I've done is illegal? By doing this, is my Google account liable to get banned? (Complete account)

I'm not going to upload the file to a piracy site. Just upload the file to the readest ereader cloud.

Someone please help.

I've about 1.5 lacks that I want to invest as a lumpsum. I know I'll have to split it and invest but I'm really confused about choosing the mutual fund.

These are the mutual funds I currently have in my portfolio -

1- Parag Parikh Flexi Cap - 7k SIP

2- UTI Nifty 50 - 3k SIP

3- ICICI bluechip fund - I have stopped it after starting UTI Nifty 50 but a little bit of the amount is still there

4- Axis Small Cap - I don't do SIP, replenish every now and then (please tell me if this is a good approach? I'm planning to put around 10% of this current 1.5L on this fund)

Along with this I've a couple of FDs for emergencies.

Now, I originally thought to invest the majority of that 1.5L on PPFCF, however, I'm seeing a LOT of posts that make me doubt myself.

This is how I want to invest in my 1.5L lumpsum.

60% - More risk more reward than Nifty 50

30% - Nifty 50

10% - Small Cap

For the 60% should I just stick with PPFCF or is it just like Nifty 50 now? Can someone suggest a better option?

This is my information - Risk appetite - Moderate

Goal - Retirement and Wealth creation

Horizon - 10 plus years minimum

Allocation details - already mentioned above

Reason for my MFs- Nifty 50 because that's where I was told to start my investment journey, PPFCF because I thought it would give me a good exposure to mid and small caps, and with good returns. Also I was told the FM's investment strategy is good. Small cap to enter small cap category.

App - Kuvera

I've about 1.5 lacks that I want to invest as a lumpsum. I know I'll have to split it and invest but I'm really confused about choosing the mutual fund.

These are the mutual funds I currently have in my portfolio -

1- Parag Parikh Flexi Cap - 7k SIP

2- UTI Nifty 50 - 3k SIP

3- ICICI bluechip fund - I have stopped it after starting UTI Nifty 50 but a little bit of the amount is still there

4- Axis Small Cap - I don't do SIP, replenish every now and then (please tell me if this is a good approach? I'm planning to put around 10% of this current 1.5L on this fund)

Along with this I've a couple of FDs for emergencies.

Now, I originally thought to invest the majority of that 1.5L on PPFCF, however, I'm seeing a LOT of posts that make me doubt myself. Then I thought of nifty 50, which of course I will but I need another fund to invest that is more risky and more rewards than just nifty 50.

60% - More risk more reward than Nifty 50

40% - Nifty 50

10% - Small Cap

My risk tolerance - I'm not sure where exactly I fall, but I'm 29 years old male, and I'm willing to take risks. My investment horizon is minimum 10 years plus.

Should I just stick with PPFCF or is it just like Nifty 50 now? Can someone suggest a better option?