I don’t know how to read between “local currency returns” & “real returns” ??

Software Developer

But why inflation % would be different in local currencies & USD?

Product Manager

This is skewed lol. How can you compare a dollar denominated risk free rate to real cagr without making that metric real? The dollar itself has given cagr of 3.4% in last 30 years so the RF rate needs to be adjusted for this as well.

Data Scientist

Shouldn’t we compare US Bond Market Index with equity market USD returns for each country?

Investor

Welcome to Personal Finance's Private Community

"Long term equity returns are an exception, not the norm."

Over past 30 years, Among 16 major indices, only US market has generated returns higher than US Bonds.

Software Engineer

"Long term equity returns are an exception, not the norm."

Over past 30 years, Among 16 major indices, only US market has generated returns higher than US Bonds.- Grapevine

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

Peanuts 🥜 for Middle Class

Senior Consultant

We have heard so many times that it's difficult to beat the index and people should stick to investing in index mutual funds.

Well I've been doing SIP in selected non-index funds for past 4-5 years and surprised to that I'm comfortably beating nifty 50 benchmark. 

How are your gains looking and how long have you been investing?

Gains

Fixed return markets that are giving better returns than FDs like govt bonds and debentures are not gaining much hype in India, even though a lot of new people have started investing in the market. Is there any reason you see, where this market is lacking or things that should be improved upon?

What is lacking in the Fixed return market?

Zerodha claims that less than 1% of the traders beat FD returns. If you are an active profit making trader, what makes you different and how much do you earn? 

If you are trading full time when did you decide to quit your full time job?

Are you an active trader? Do you consistently make money?

Hi folks, 
Wanted to know how much you guys have lost in Mutual Funds over your investing span? Saw loads of stories of upsides however would love to hear how risky these could be just to keep myself calm and composed incase such a correction happens.

Risk Appetite in MFs

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.

Let's talk money habits.

Corporate Strategist

I’m at a 13%- mixture of large cap and small cap funds

Any thread on how much returns your equity portfolio is making?

Growth Manager

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.

Best funds for greater than market returns?

Product Owner

I personally see it as game changer in how invest in FDs.

Any comments or thoughts or guidance would be highly appreciated.

Is Stable money a stable choice ?

mid 20s, ctc 30LPA(cash, non esops), monthly expense 60k(including needs + wants), how should I invest (~1.5L pm) considering following:
1. high risk appetite: do not want to invest in FDs
2. asset lite: do not want to invest in real estate
3. no dependencies, no loans, no emis

How do you invest your money?

Really confused on where to invest in stocks. Finance enthusiast help me out guys considering the Indian market where should we invest for high returns.

Where to invest in Indian stocks ?

Has anyone used Smallcase to invest here ? Is it worth paying the premium and enrolling ? Want to invest some lumpsum amount and need advice

Smallcase ? Good or Bad?

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.

Investment Advice

Analyst

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.

"Long term equity returns are an exception, not the norm." Over past 30 years, Among 16 major indices, only US market has generated returns higher than US Bonds.

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