My important workaround in my journey

 if want to take loan( pay intrest amont only from my salary,after howmany years i want to pay entire amount, mf by getting compounding benifit), 10lakh, invest in small cap index fund ? give table wise denomiation? ChatGPT said: Great! You're considering a loan-based investment strategy : Take a loan of ₹10 lakh Invest it in a Small Cap Index Fund (e.g., Nippon India Nifty Smallcap 250 Index Fund – Direct Plan – Growth) Pay only interest monthly from salary After a few years, redeem mutual fund to repay full loan (principal) from compounded returns Let’s break it down in a structured way: ✅ Assumptions Item Value Loan Amount (Invested) ₹10,00,000 Investment Duration 5 years Fund Type Smallcap Index Fund (Direct) Expected Fund Return (CAGR) ~17% annually (historical avg) Loan Interest Rate 10% p.a. Interest Paid Monthly From salary only 📈 Compounded Value of Investment (17% CAGR) Year Fund Value (₹) Gain (₹) 1 ₹11,70,000 ₹1,70,000 2 ₹13,69,000 ₹3,69,000 3 ₹...

# 🧠 SMALLCAP INDEX FUND - BUY / REDEEM STRATEGY # Target Fund: Nippon India Nifty Smallcap 250 Index Fund - Direct Growth # INPUTS (manual) index_pct = -2.7             # % change in Nifty Smallcap 250 today till 2PM smallcap_pe = 19.2           # Current PE of Nifty Smallcap 250 is_short_term = True         # If units being redeemed are < 1 year total_capital = 10_00_000 dip_component = 5_00_000     # capital reserved for dips buy_pct = 0.0 redeem_pct = 0.0 buy_reason = "" redeem_reason = "" # 📉 BUY LOGIC if index_pct <= -2.5:     if smallcap_pe < 14:         buy_pct = 0.4         buy_reason = "📉 Big dip + undervalued smallcaps"     elif smallcap_pe <= 18:         buy_pct = 0.3         buy_reason = "📉 Big dip + fair valuation"     else:       ...