2024 investing strategy

Hey guys I have an investment horizon of >10 years and am willing to commit to a fund that offers more than 12-14% (nifty returns). I don't want a extreme amount of risk (think micro cap/ very risky small cap funds). I'm okay with ~18% returns over this horizon. Please give me some opinions, I'll read up on them too.

Nifty again at ATH, 5% up since I last posted the update. 1000 point move in 11 days, already. How high will it go?

In 1998, the Committee for Old Age Social and Income Security (OASIS) was set up. It noted that the population of the 60+ age group is expected ⬆️ increase by ~ 107% between 1991 and 2016 ✅Senior citizens represent 9-10% of our population today and this is expected to grow to13.3% by 2026. ✅The life expectancy after normal retirement at 60 is expected to be at least 15-20 years. 📝 Even if one assumed no increase in government employment after 1992 (true in many areas) the pension expenditure for the central government will increase from ⬆️ ⬆️ Rs. 35,690 million in 1995 to Rs. 2,71,830 million in 2015. A CAGR of ~ 17.5%! That means 17.5% more expense PER YEAR for government ( increased burden on government) to pay pension _7th Pay commission report stated_ Pension expenditures of the central government grew at rate or 21% per Annum during period from 1990 to 2001 !! Government realised the increased burden involved in providing pension to eligible pensioners, if the old pension system continued both the Central and State government would end up with bankruptcy!!!! *They came up with National Pension System* on 22nd December 2003 for Central government employees The single sole intent was ✅Pass the burden of providing inflation adjusted pension from the shoulders of Government to Financial market !! Government realised that long term investment in financial market ( EQUITY & BOND) can possibly beat inflation and remove the huge burden on government exchequer !!!! *What’s the learning for we common investors ????* 1️⃣ A big entity as big as Indian government: the largest democracy of world is relying on Equity market to provide inflation adjusted pension to its pensioners !! What’s stopping us from following suite and applying the same principle in our personal finances ?? We should consider investing significant chunk of our savings into equity and debt : this would also provide inflation adjusted returns !!

Hello folks. While I'd like to remain anonymous very much, here's what I can share about myself. 1. Working in consumer finance. 2. Love personal finance and helping people out with it. 3. Have published 10,000+ pieces of financial content in the mainstream media. 4. Wrote a best-selling book on money management. It was No. 1 on Amazon once upon a time. 5. Lately been appearing on TV regularly for personal finance discussions. 6. Saved like crazy through my 20s and 30s, brought two apartments; have an 8-figure net worth mostly thanks to my mutual fund investments. It's not much but it's hard-earned. 7. My unrealised aspiration is travel and I'm working on it now. No, I'm not selling anything. No commissions, no referral links, no finfluencing. Just want to talk, exchange ideas, and learn from you all. Maybe I'll feature you in my next book. :) Ask me anything.

Any comments PF holders? Bonus - In your 1st job u can skip pf and opt for ELSS and get 1.5 lac benefits under 80c in old tax regime

As the title reads - I am looking to invest a small amount for a short term (1-1.5 year) and I don't want exceptional returns as my risk appetite is small. I am just looking for safe options that can protect & grow my monry enough to lighten the blow of inflation. I am planning to get married in the next 2 years and will need this money then. TIA

I am a 23 grad who has managed to save close to 7 L all cash till now. Plan was to enjoy the first 6 months of job and then start with the financial hustle. Seems, I am ready. Need suggestions to allocate ~5L across equity, gold, FDs and other investment instruments. I have an education loan, so tips on that will also be highly appreciated. Targeting 25 L net-worth (excluding the loan) by the end of ‘24 Thanks!

I have close to 15 lakhs sitting in my bank account. Where should I invest to get stable 15-20% returns pa with minimal risk.

Everything seems to indicate that this is the beginning of an extended bullrun till the elections. What is the game plan? Personally, I am all in. First time since 2020, that I have a net zero cash position.