My important workaround in my journey

In our case, initially we invested 6lakh via regular, later all 94% via direct mf only, planning to switch after 2years from regular to direct, since we are getting door delivery services like term, health , vehicle insurance services.. Ans: Good decision overall — you're already mostly in Direct (94%), which is excellent for a large portfolio. The small regular portion (₹6 lakh initial) has limited impact, but switching it after 2 years makes strong financial sense. Quick Math on Your ₹6 Lakh Regular Portion Assume hybrid fund, ~9% gross return, and ~0.75% TER difference: If you keep it in Regular for full 10 years → you lose roughly ₹80,000 – ₹1.2 lakh (compounded) compared to Direct. If you switch after 2 years → you lose only for the first 2 years (~₹15,000 – ₹25,000 extra cost), then the remaining 8 years grow at Direct rates. Net savings by switching after 2 years: ₹60,000 – ₹1 lakh+ on this small portion alone (exact amount depends on actual returns and when you switch). On ...

 Yesterday i heard , jaya shakti meeting; summary points: right jyanam is for removal of karma; many previous books , before thritha siddantam told only about god and man, but in gita , bible, kuran tells about 3 soul( paramata, atma, jeevatham, prakurthi(5 elements, 24 parts of body), symbol of god 4 wheel , they did not understaind. here maily, paramatha dharma, atma dharma, jeevarma dharmta is one side how these are related, other side, how bhagawan acts 3(jeevatha), 6( to tell about knowledge of all 3,6,9 and prakruthi, also before universe, after universer state, also graha, bhooda duty), how 9 is from bhagawan body(rarely) controls to 5 elements (bhootas and grahas) ; the 6 is father for 3, 9 is father for 3 also( when 3 is having 6 knowledge and having 100% belive and having in same knowledge, then 9 could be father for 6; this gives knowledge energy ,which helps to remove karma from body.; other books not telling 6 majorly (skipping it by saying 9,3 only) i.e. way they are ...