Zerodha's Nithin Kamath shares 5 tips to evade 'retirement crisis'

“Start saving early. DIVERSIFY ACROSS FDs/G-Secs and SIPs of index funds/ETFs. Stocks are probably still the best bet to beat inflation long term.”

Totally relate and endorse the same.

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Pretty standard stuff. It’s only news because of who said it, not because of what’s said :slightly_smiling_face:

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Yeah, standard stuff, unfortunately, not many experts reiterates this aspect, that is why it becomes refreshing for me.

The point is even more highlighted because of who said this, it was in his interest to market, his business i.e tell one and all that investing in stock market is the only way to have a comfy retirement.

Reminds me of Warren Buffet famous quote “Dont ask the barber whether you need an haircut”.

In this case, this barber is different…Respect earned…

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What are you talking about? I see this everywhere.
“Diversify across Debt and MF. Stocks are best to beat inflation.”

Exactly. This is what all others say…

“Diversify across Debt and MF. Stocks are best to beat inflation.”

What the author is saying is this

DIVERSIFY ACROSS FDs/G-Secs and SIPs of index funds/ETFs.

To me, I repeat “FOR ME” there is a lot of difference in what both the sentences mean.

One can even add debt funds to the debt portfolio, so what has been said can further be tweaked as per one’s own requirement.

Asset classes remain the same, but products in them have different features, suit for different purposes.