Part of equity markets, and equity being a volatile asset, the higher it goes without a strong base, the quicker the fall could be. Math has limitations in the market, as greed, fear, hope, and another rarely talked about emotion vanity, play a role in delivering the unexpected return, to the upside or downside. Gone are the days, when one can surely say MFs can deliver this much. Market has matured, and tech has done its part too. By one conservative estimate, one cannot expect more than 10%. Hence the inclusion of more capital, and managing it actively, even one chooses passive funds. And as one ages, the concept of opportunity cost starts to be visible, and the charm of equity may fade.

Many interconnected things, and as Buffett said, simple but easy.

1. so if you are giving the cards to above 30 which method did you to calculate it will result in less revenue?

2. they are getting the leads from parent sbi bank plus if you visit any reatil chain or shopping malls you will find sbi cc staffs, which aggressive marketing hdfc is doing??

3. you are comparing a credit card company with traditional private bank… even sbi cards cross sell personal loans and insurance

Source: Uttam Sugar presentation

Source: compilation credits Aman Sonthalia

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This is a very sensible approach and the way to go when you have a target corpus in mind and a time frame. That math we do to get that peace of mind

I use the following approach:

• What happens if I do not add a single rupee into my portfolio from today. How will my life turn out to be.
• Repeat the same with X monthly deposits, 2X monthly deposits, 3X etc.
• Any month I make sure I do at least the X. Anything over this is a bonus.
• I have also considered a case with negative returns and principal losses. But that was depressing.

Thank you for your reply.

This is better suited in a different discussion. There is an entire category dedicated to stock valuation – Stock Analysis & Valuation – ValuePickr Forum