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Nov 28 β€’ 8 tweets β€’ 2 min read
Nothing wrong with buying a Mercedes or doing a Rs 50K SIP. Or using SIP money to buy a Merc.

Your money. Your goals. Your decision.

But since there is a lot of noise about Mercs & SIP today, here is what a Rs 50K SIP can do for you.

A very short thread 🧡 (again!) πŸ˜‰

πŸ‘‡πŸ‘‡πŸ‘‡
At 12% returns, this is what a Rs 50,000 monthly in SIP can do over the years -

5 years of Rs 50,000 monthly SIP = Rs 42 lakh

10 years of Rs 50,000 monthly SIP = Rs 1.1 Cr

15 years of Rs 50,000 monthly SIP = Rs 2.5 Cr

20 years of Rs 50,000 monthly SIP = Rs 4.8 Cr
I know Twitter Screenshot Guys already buy a Mercedes daily with their profit screenshots πŸ˜‰πŸ€£

But..
But for lesser mortals, and no matter what anyone says, SIP is most small investors' best bet to generate inflation-beating returns in the long term.

Please invest regularly in mutual funds.
I don’t know about Mercedes but for your wealth and financial goals, even today #MutualFundsSahiHai
Cheers!
In case you don't know why this thread, then read this πŸ‘‡πŸ‘‡πŸ‘‡

And in case you want to buy a Mercedes using SIP, then this article by @livemint's @imNavneetDubey answers your curiosity

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More from @StableInvestor

Stable Investor Profile picture
Nov 24
What happens when you pay just 1 Extra EMI for your home loan every year?

This a short, simple thread 🧡 for those who want to get rid of their home loans but don’t have a large surplus to start prepayments.

<1/n>
Paying one extra EMI every year is simple - In a year, instead of your regular 12 monthly EMIs, you try to make it 13.

(2/n)
Suppose you took a 20-year home loan of Rs 50 lakh. At 7.5% loan rate, the monthly EMI will come to be Rs 40,280.

Now if you repay your loan regularly, i.e. just 12 EMIs every year, for 20 years, then you pay a total of Rs 47 lakh in interest on Rs 50 lakh loan principal.

(3/n)
Read 12 tweets
Stable Investor Profile picture
Nov 19
If you have a Rs 50 lakh home loan 🏑 or plan to take one soon, here is a long thread on how to manage it well. It discusses various options you can use to become loan-free quickly.

Here is the thread🧡& it highlights all possible home loan prepayment scenarios πŸ‘‡πŸ‘‡

(1/n)
When you take a Rs 50 lakh home loan, at let's say 8.5% per annum (for simplicity we assume fixed), the monthly EMIs and the total interest you pay, depends on the loan tenure.

Here's how much πŸ‘‡πŸ‘‡

(2/n)
15-year - EMI is Rs 49,237 and the total interest is Rs 38-39 lakh

20-year - EMI is Rs 43,391 and the total interest is Rs 54-55 lakh

25-year - EMI is Rs 40,261 and the total interest is Rs 70-71 lakh

30-year - EMI is Rs 38,446 and the total interest is Rs 88-89 lakh

(3/n)
Read 26 tweets
Stable Investor Profile picture
Nov 16
A thread 🧡comparing Expense Ratios of Direct Plan vs Regular plan for all the major funds in different equity fund categories

πŸ‘‡πŸ‘‡
Active Largecap Funds Image
Flexicap Funds Image
Read 13 tweets
Stable Investor Profile picture
Jun 20
Liked these tips by @SandeepMall.

1 - Catch early morning sunlight. Catching early morning sun light,even just for 15 minutes, when the sun is low in the horizon, is the best thing you can do for your brain health, circadian rhythm, sleep, hormones, mood and many more things.
2 - Make daily walking a must-have habit - your mental clarity depends on it.
3 - Meditate, even if for 5 minutes.
Read 9 tweets
Stable Investor Profile picture
May 21, 2020
Long Thread on F.I.R.E.
Financial Independence & Early Retirement

#financialindependence #financialfreedom #earlyretirement #financialplanning #retirementplanning
FIRE = Financial Independence Retire Early
Less than 1% people really understand the true meaning of financial independence. And even less than 1% (of that 1%) are capable of aspiring for it. And even less than 1% (of that 1% of that 1%) are capable of achieving it.
Read 48 tweets

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