r2i forum

RRK;288130Try to allocate your money for different buckets (financial goals) and based on individual goals time horizon and your risk tolerance[/quote] I read this on few post here after search. But got confused and didn't get clear picture. If I understand it correctly, If one is planning to R2I in next few years, her short/medium bucket will have to 0-15% equity & rest will be in bond. Most probably this bucket needs to be implemented using investment options in India. But don't know what are the options available in India for OCI. It would be helpful if someone advice me.

On few threads it was mentioned that one needs to use Debt portion for AAP in India because of returns will be higher becuase of inflation. Most of my debt investments in India are either PPF(opened before we become USC), Senior Citizen Scheme (invested on behalf of my parents and in-law i.e. 60 lakhs) and some other Post office schemes. Now I ran out of options.

RRK;288130Please read some articles we have in our forum on this topic. Also it may help to google and learn more.[/quote]I came to this forum doing google search of 'R2IClub' that noticed when I glanced when I passed one of my co-worker's desk. He immediatly closed the browser but little bit late and I saw header. Previously I thought he was browsing this forum for receipe/matrimonial :).

Most of financial DIY sites does not addresses unique perspective of R2Iers.

Lakshya;289625You can start by putting your fund info into Morningstar X ray (Google it), which will give you general idea how your AAP look at this point.[/quote]Thanks for pointing x-Ray tool. But it's not fully useful, I invested my Bond portion of AAP in India. I can't put this into X-ray. Do you know any Indian centeric tool similar to this?

Lakshya;289625I would say for now you should put NJ Tax exempt (VNJXX?) money market

I'll do that.

Lakshya;289625You may want to check MINDX, India specific funds.[/quote]Only condition from DH is don't make too many mistakes. I already have international stock fund. Do you think MINDX or India Specific fund better than over-weighting emerging market?

Thanks Lakshya, glad to know some member(s) who has similar education background. I'm also accountant by profession, are you in same profession or in IT?

shasha;289689Thanks for pointing x-Ray tool. But it's not fully useful, I invested my Bond portion of AAP in India. I can't put this into X-ray. Do you know any Indian centeric tool similar to this?

woozycoolguy;290080Check out [URL="http://new.valueresearchonline.com/"] If it's not too personal, would you care to let us know how you were able to accumulate all this so early on.

'Sasta Roye Bar-Bar, Mahga Roye eak-Bar' (it's in hindi, don't know how to translate) i.e. usually buy quality product not cheap products. Besides disposable items (e.g. diapers, toilet papers or items not available anywhere else) I don't buy anything from Walmart or similar shops (e.g. target).

Not an impulsive shopper, buy few but quality cloths e.g. Anne Klein, Banan Repulic, Polo, A&E (but not Gap/Old Navy type). IKEA(but not target/walmart/costco).

Never shoped in mall, never used coupon, never went for shopping during big sales events (time is more important than money). But always shopped in factory outlet during quite period (mostly Saturday morning).

Never hesitate for purchase if it has true value e.g. in late 2008 went to car dealer shops to see a car (we needed a car but don't know which one), met two Desi people taking delivery of their car in nearby desk from a desi salesman. Talk to salesman and he said he has 2 more car left and if we are ready to buy now, he can give me $11500 below invoice price(same deal those two guys are getting). Immediatly gave them credit card/check and bought the car in 10 minutes.

Lakshya;289895Read here I think in this thread RRK talk about Int fund.

Lakshya;289895 BTW which specific area you work? You said you saw your co-worker surfing this site. I hope I am not the same guy