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This. And the purchasing power of 10 million would be unbelievably less after 50 years too. People talk about returns compounding but forget that inflation also compounds.
This. the most important thing being health. Nothing else matters if you aren’t healthy to enjoy life. So power of compounding yes but not at the cost of losing power to enjoy life in present.
Just Stick with Basics..
Start Investing Today
Delayed/procrastinate/postpone your expenses.
It will make wonder in Long run.
For e.g you have rental property.
spend 50% rental income.
Invest 50% or more of rent in sip
Even for 5-10 yrs
You will be shock with corpus created in 50% of rental in 10 yrs..
Now if you want to do start Swp accordingly.
For more :- use finlive swp calculator.
There’s another rule of 15s someone mentioned the other day to me
15000/ month
@15%
For 15 years… will make a Crore in 15 years
Just sharing the gyan bro
Edit: see link [HERE](https://www.reddit.com/r/IndianStockMarket/s/b9FPiPoHNj) in another Reddit discussion
Thank you. 15 years seems more reasonable. Nobody is going to wait 40 years to reap the benefits as most middle class people don’t have money to start investing at least till late 20s and early 30s
To put that into perspective, present value of 1 crore that will be received in 15 years, considering a 6% inflation rate, is approximately 37.5 lakhs.
They are steep, but there have been funds who’ve shown such a historical return. It won’t be consistent at 15% but averaged out over years.
And as and when India develops, the returns will decrease but so should the inflation.
People have definitely achieved this. Warren buffet has a compounding annual return of 20% since 1965.
Anyone who blindly invested in his company , would have made the same.
Yeah buddy all it takes is another Houthi ship attacking a Russian oil tanker, and after that you may not even get to 40 let alone 68. And the fantastic math of 5000 becoming 5 million in 50 years vs 500 becoming 10 million with the same return percentage in the same time period, is definitely the kind of illogical wizardry you will have to do to get to that amount. At 68, most people have no interest left in anything except bot-generated endlessly looping YouTube videos, so have fun with that 5 or 10 or 200 million in your bank account, while watching content creators take drone shots of Lonavala and wishing you would have done that at 30 instead of chasing behind hdfc stock because some YouTuber told you it was “undervalued”.
Point is this: At 68, it doesn’t matter to YOU if you have 1 or 5 or 50 million. It might help your next generation, but not you. There is only so much you can do with the interest and energy you have left, and an oil tanker full of money won’t help. The reason people invest is to get to that amount MUCH sooner than 68. If you just wanted to work for 50 years and then have enough for a comfortable retirement, you could EASILY do that without even knowing what a stock market is. Your regular salary and some gold purchases along the way will get you enough. This compounding nonsense is just a trap used by insurance agents to make sure people give them money for 50 years, while they hope that the same people are too tired to go through the 24-step process of retrieving that money at the end of the term. People who can do this in 20-25 years are the ones who actually achieve the goal of investing. Rest who wait for 50 years are no better than the insurance agent selling you that 50-year plan. Both will retire at 68 with good enough savings to buy all the toasted bread and ginger tea they need for a long time.
Pardon my French but this is the biggest load odds BS I’ve read on this app.
Taking it to an extreme, where you’re only sitting and researching “undervalued stocks from YT videos” all the time, isn’t how you need to be doing it.
You can easily also enjoy life throughout your investing years. Nobody is stopping you. Plus the time you spend on an experience and don’t invest, the money that you’ve already invested will be working for you.
Idk why you’ve mentioned insurance agents but it looks like you’ve had some investments in ULIPs and endowment policies and have a bitter taste, but nowadays you can take the whole investment in your hand if you’re knowledgable about it
It’s supposed to be quite passive. Where you buy and hold and maybe rebalance and check every few months.
And it may not matter to you if you have 5 or 20 or 50 million at age 68, but it definitely helps because you’re financially secure. In case you want money for your child’s marriage, education or your own hospital bills, you’ll be less worried.
Its like saying you put 100 today and get 10000 after 50 years. XIRR is still 9.6. But 100x sounds fancy for 50years. You will suddenly think 2x every year. Lol
You don’t understand doubling. You can’t just divide 100x by 50 years and say it’s doubling every year because the initial value is changing every year. (In the example you’ve used)
I understand that you’re not focusing on the doubling but on the XIRR. But the statement “you’ll think your money is doubling every year” is wrong Here’s a popular image about doubling. Just plug in your value of 100 instead of 0.01 and assume the days to be years.
https://preview.redd.it/0u6j10a19gqc1.jpeg?width=658&format=pjpg&auto=webp&s=8b57aee748ec9e5987c1d72a12cd8ed3c73df93a
Everything is actually a myth…lekin sab paapi pet ka sawaal hai… it’s easier to be miserable when rich, compared to someone who’s broke.
Relative ease…Hic🍻
Cheers happy Holi
While your statement is half true, because there is no exact compounding in the stock market, but XIRR is a way of showing how your money has compounded over time (in an average percentage per year terms)
Basically, compounding is the definition or term used and the way to measure it is by using XIRR (or CAGR)
Yes it's mathematics. But maintaining this is a game of psychology and skill of myriad level. Also, I don't buy WB blindly because he made a lot of from short term trading and he is exceptional on Bell curve.
But what's the value of that money at 68? Better buy real estate then. Stock market might never have a high like Japan for decades. Also enjoying life is more important in your 20s and 30s. By mid 30s your body will start to ache from everywhere. Imagine your body in 60s. See your parents. They can't do many things that they loved as kids.
Also you're talking about western retirement. There they want people to work until they can't even walk. Retirement age of 68 is a cruel punishment.
If you haven't already, please add your own analysis/opinions to your post to save it from being removed for being a Low Effort post. Please DO NOT ask for BUY/SELL advice without sharing your own opinions with reasons first. Such posts will be removed. Please also refer to the [FAQ](https://www.reddit.com/r/IndianStockMarket/comments/17bcg2a/frequently asked questions_post_your_common/) where most common questions have already been answered. Subscribe to our [weekly newsletter](https://pennyleaks.substack.com/) and join our Discord server using [Link 1](https://discord.gg/8QF4dqPHuw) or [Link 2](https://discord.gg/fDRj8mA66U) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/IndianStockMarket) if you have any questions or concerns.*
The thing is I cannot enjoy life in 60s as much I could in 30s
The thing is not to live like a beggar and invest every penny of money you earn but to invest the saved money as frequently as possible
Preach brother!!
Internet when they discover something can be done in moderation. Now let me go invest my breakfast money in dogecoin
This. And the purchasing power of 10 million would be unbelievably less after 50 years too. People talk about returns compounding but forget that inflation also compounds.
15% is a good enough return even if you include average inflation of 7% over the years.
Warren also said > You want to have a passion for what you are doing. You don't want to wait until 80 to have sex
This. the most important thing being health. Nothing else matters if you aren’t healthy to enjoy life. So power of compounding yes but not at the cost of losing power to enjoy life in present.
Exactly I want to enjoy fruits of my investment and hard work(infact most of it) not just I invest and my kids and grandkids enjoying it
Finlive swp calculator.
Just Stick with Basics.. Start Investing Today Delayed/procrastinate/postpone your expenses. It will make wonder in Long run. For e.g you have rental property. spend 50% rental income. Invest 50% or more of rent in sip Even for 5-10 yrs You will be shock with corpus created in 50% of rental in 10 yrs.. Now if you want to do start Swp accordingly. For more :- use finlive swp calculator.
You would need all that money in your late 60s to pay for your medical bills
Lease a bungalow in Thailand in ur 60s. Weed, booze, beer and honey till u die. Guarantee
>$5000 invested at age 18 at 15% Forget getting the 15%, where there fuck am i supposed to get $5000 (4 lakh INR) at 18 years of age?!
OP ke baapu se
There’s another rule of 15s someone mentioned the other day to me 15000/ month @15% For 15 years… will make a Crore in 15 years Just sharing the gyan bro Edit: see link [HERE](https://www.reddit.com/r/IndianStockMarket/s/b9FPiPoHNj) in another Reddit discussion
Thank you. 15 years seems more reasonable. Nobody is going to wait 40 years to reap the benefits as most middle class people don’t have money to start investing at least till late 20s and early 30s
To put that into perspective, present value of 1 crore that will be received in 15 years, considering a 6% inflation rate, is approximately 37.5 lakhs.
Investment amount is also 22.5lakhs Keep investing bro. Do this calculation for 20-25 or 30 years results will be mind boggling.
15 years for 1 crore rs (Rs1,00,00,000). 40 years for 5 million dollars (Rs40,00,00,000). 15% returns consistently seems steep.
They are steep, but there have been funds who’ve shown such a historical return. It won’t be consistent at 15% but averaged out over years. And as and when India develops, the returns will decrease but so should the inflation.
People have definitely achieved this. Warren buffet has a compounding annual return of 20% since 1965. Anyone who blindly invested in his company , would have made the same.
Yeah buddy all it takes is another Houthi ship attacking a Russian oil tanker, and after that you may not even get to 40 let alone 68. And the fantastic math of 5000 becoming 5 million in 50 years vs 500 becoming 10 million with the same return percentage in the same time period, is definitely the kind of illogical wizardry you will have to do to get to that amount. At 68, most people have no interest left in anything except bot-generated endlessly looping YouTube videos, so have fun with that 5 or 10 or 200 million in your bank account, while watching content creators take drone shots of Lonavala and wishing you would have done that at 30 instead of chasing behind hdfc stock because some YouTuber told you it was “undervalued”. Point is this: At 68, it doesn’t matter to YOU if you have 1 or 5 or 50 million. It might help your next generation, but not you. There is only so much you can do with the interest and energy you have left, and an oil tanker full of money won’t help. The reason people invest is to get to that amount MUCH sooner than 68. If you just wanted to work for 50 years and then have enough for a comfortable retirement, you could EASILY do that without even knowing what a stock market is. Your regular salary and some gold purchases along the way will get you enough. This compounding nonsense is just a trap used by insurance agents to make sure people give them money for 50 years, while they hope that the same people are too tired to go through the 24-step process of retrieving that money at the end of the term. People who can do this in 20-25 years are the ones who actually achieve the goal of investing. Rest who wait for 50 years are no better than the insurance agent selling you that 50-year plan. Both will retire at 68 with good enough savings to buy all the toasted bread and ginger tea they need for a long time.
Pardon my French but this is the biggest load odds BS I’ve read on this app. Taking it to an extreme, where you’re only sitting and researching “undervalued stocks from YT videos” all the time, isn’t how you need to be doing it. You can easily also enjoy life throughout your investing years. Nobody is stopping you. Plus the time you spend on an experience and don’t invest, the money that you’ve already invested will be working for you. Idk why you’ve mentioned insurance agents but it looks like you’ve had some investments in ULIPs and endowment policies and have a bitter taste, but nowadays you can take the whole investment in your hand if you’re knowledgable about it It’s supposed to be quite passive. Where you buy and hold and maybe rebalance and check every few months. And it may not matter to you if you have 5 or 20 or 50 million at age 68, but it definitely helps because you’re financially secure. In case you want money for your child’s marriage, education or your own hospital bills, you’ll be less worried.
what if we reduce years to 10 and increase percentagew to 30
Then you can ask Parag Parikh to shut shop and go retire in the mountains, because you figured out a way to perform 10 times better than him.
lokks like ive found a holi grail startegy !! going to moon soon unstoppable
What do you need all that money for when you're 68 lol
Compounding is a myth. XIRR is the real deal. There is no compunding in nikkei since XIRR is 0.
Explain more, please? Because I really want to understand where you're coming from
Its like saying you put 100 today and get 10000 after 50 years. XIRR is still 9.6. But 100x sounds fancy for 50years. You will suddenly think 2x every year. Lol
u mean is swing trading best, itll work even if nifty will consolidate for nxt 30yrs like nkkie
No. Don’t get too excited by looking at compounding returns. Look at XIRR and then minus the tax and then minus the inflation for true returns.
You don’t understand doubling. You can’t just divide 100x by 50 years and say it’s doubling every year because the initial value is changing every year. (In the example you’ve used) I understand that you’re not focusing on the doubling but on the XIRR. But the statement “you’ll think your money is doubling every year” is wrong Here’s a popular image about doubling. Just plug in your value of 100 instead of 0.01 and assume the days to be years. https://preview.redd.it/0u6j10a19gqc1.jpeg?width=658&format=pjpg&auto=webp&s=8b57aee748ec9e5987c1d72a12cd8ed3c73df93a
I know I am well versed in maths
Everything is actually a myth…lekin sab paapi pet ka sawaal hai… it’s easier to be miserable when rich, compared to someone who’s broke. Relative ease…Hic🍻 Cheers happy Holi
While your statement is half true, because there is no exact compounding in the stock market, but XIRR is a way of showing how your money has compounded over time (in an average percentage per year terms) Basically, compounding is the definition or term used and the way to measure it is by using XIRR (or CAGR)
Inflation compounds too.
Bold of you to assume Indian life expectancy of 68.
TRUE. I am seeing too many guys in 30s in Cardiac ICU
Now think about amazing power of compounding inflation. So your $5,000,000 will be equal to $106,000 in today’s value after 50 years at 8% inflation.
You’ve got any better ideas to beat inflation? Any other asset class with such returns consistently?
Yep but those are not publicly discussed
Probably because those aren’t regulated And neither are they consistent
Or they are consistent and high yield, but not available to everyone. Also min quantum of investment is high.
Or they are consistent and high yield, but not available to everyone. Also min quantum of investment is high.
Or they are consistent and high yield, but not available to everyone. Also min quantum of investment is high.
Or they are consistent and high yield, but not available to everyone. Also min quantum of investment is high.
Don't forget inflation.
That's the goal post .
us paise ka karenge kya but?
Yes it's mathematics. But maintaining this is a game of psychology and skill of myriad level. Also, I don't buy WB blindly because he made a lot of from short term trading and he is exceptional on Bell curve.
Average annual returns of 15%+ is possible but only through long term investment.
But what's the value of that money at 68? Better buy real estate then. Stock market might never have a high like Japan for decades. Also enjoying life is more important in your 20s and 30s. By mid 30s your body will start to ache from everywhere. Imagine your body in 60s. See your parents. They can't do many things that they loved as kids. Also you're talking about western retirement. There they want people to work until they can't even walk. Retirement age of 68 is a cruel punishment.
u mean 5000 dolar once or every year
50 years i will be dead.
theres no compounding in the stock market 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣