indianviking
@indianviking1
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A doctor of Indian origin now based in Scandanavia. Keen interest in personal finance.
Near North Pole
Joined May 2018
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Pinned Tweet
@Prashanth_Krish
My survival toolkit:
Conservative eq allocation (sleep well)
Giving up individual stocks ( reduce adrenaline and dopamine)
Automate investing process (SIP)
Accept market returns ( mcsi world + em)
Avoid intermediaries MFD , broker
Relax on Twitter rather than listening to CNBC.
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@ActusDei
@SatyaSontanam
PMS outperforms, FM is a genius.
PMS underperforms, Fed is responsible
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@contrarianEPS
Just survive til the end of your first market cycle, you will surely make money in the second.
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Just pure respect for
@npparikh6
and team. What a brand they have build by sticking to being professionals rather than AUM gatherers.
Sad but true that some Indian cardiologists have targets for bypass surgery conversations. Uncontrolled Greed turns professionals into touts.
PPFAS MF will complete 10 years this month. A CAGR of 19% (on Flexicap). AUM up 200 times from 150 crore to 30,000 crore. A remarkable success story. But what’s the DNA behind it? I would argue 4 things:
Focus on a single scheme or handful of schemes (not a thicket of schemes
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@contrarianEPS
If one is still investing based on Twitter recommendations, he has not yet paid his gurudakshina to the markets.
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@Abhishekkar_
@VijayKedia1
If you can talk with crowds and keep your virtue,
Or walk with kings—nor lose the common touch......
you'll be a Man, my son!
Lines from the poem If by Rudyard Kipling. Fits well for
@VijayKedia1
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@kumarsamit
Commercial real estate or any real estate also needs diversification from investment point of view. Most of us can't afford to invest in multiple such units and therefore are extremely vulnerable to concentration risk.
I personally avoid RE all together. Not my cup of tea.
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@SanaSecurities
The crash is so severe that even the Indore guys have stopped calling me. Maybe they don't have margin to recharge their mobiles. I am missing them.
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@Asif_iiitm
Salaries are lower in western Europe and cost of living more as compared to US.
If you want to earn big as salaried but ready to compromise family and personal life US is best. If you want to earn big and come back to India Singapore or Dubai is great.
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@connectgurmeet
I have a friend who worked at Deutsche Bank and had ESOPs but stopped the compunding and moved to a place with higher salary. In hindsight that person looks like a genius.
Opinions should not be based on survivorship bias
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2 years ago advice from
@EdelweissMF
Who all listened and invested in Edelweiss Greater China Equity Off-shore Fund?
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Finfluencers use the term High Yeild Bonds and never Junk Bonds although both mean the same. They are paid by platforms to lure retail investors in buying junk.
Never take unwanted risk in debt for 1-2% higher interest. Return of capital is more important than return on capital
I regularly invest in High Yield Bonds – because I have the appetite and the right understanding of the risk that I am taking. And so far it has been a good ride. I’m quite open about my investments too.
But, many times people come up to me and tell “Yaar Handa, the ticket
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This gyani gentleman forgot to mention that he will be making risk free 1.25 Cr as commission.
@1PageFinance
Start investing as soon as you get your first job.
A 22 year old guy started SIP of Rs. 12,000 per month with us today.
Assuming that he continues it till the age of 55 years, at 12% pa returns, he will have a corpus of over Rs. 5 crores 🤯🤯🤯
START ASAP!
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Dangerous lies are being spread by mutual fund industry touts. Good that atleast some MFDs are aware of these mischievous liars.
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Nah!
Biggest revolution was starting of direct plans and abolishing upfront commissions.
SIP is the biggest revolution the MF industry brought in for the investors.
The next feature in
#SIP
should be offering Value Averaging in SIP. It can be another game changer
@AashishPS
@bhalchandra09
@mohanty_swarup
@iRadhikaGupta
@NileshShah68
@MFBALA
@SRKoti
@sundeepsikka
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Really amazed at the proactive customer service of
@PPFAS
Thanks to Priyanka Yadav and team
@npparikh6
for being so customer friendly.
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@contrarianEPS
Coffee Can investing in basically serotonin investing. But the problem happens at most coffee can guys can't overcome the dopamine rush.
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One of the best interviews I have listened to in recent times.
@rohitchauhan
shares valuable personal experience which is a must listen for every investor: active, passive or somewhere in betwen.
Thanks to
@PuneetK009
for a being a brilliant interviewer.
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This tweet by
@deepakshenoy
is the reason why all investors (active, passive, direct stocks, PMS, AIF etc) should read this article by John Bogle.
Its time investors learn to differentiate between an educator and a salesman.
Statistics are like bikinis, they hide more than they reveal.
Long term returns from active flexicap funds in India have mostly beaten the Nifty (which is the only index with a long standing ETF)
The math, indeed, never lies.
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@oldschoolinvest
@contrarianEPS
Just heard a clubhouse gyani saying....
Getting 20 to 25 percent per year is no big deal in equity. One should aim to atleast double money every three years when investing for retirement.
I heard such Gyan in 2007 also.
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@StableInvestor
Someone in the finance ministry just realized that they have to return the money they have borrowed and that too at the present gold price 😂😂😂
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@045f47cba009441
@naggymoodles
True. But most of these are courier guys for AC market shops and not regular tourists.
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If your weighted TER on your total MF portfolio is north of 25 bps, you are just paying too much.
@Revhappy2
@suhasbadhe
@nsarathc
@ActusDei
@gajohr
@samdesai62
@passivefool
@50Algo
@Prashanth_Krish
@kendheswapnil
@BhaskarAglave
@jaganmsna
@contrarianEPS
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MFDs will get commissions year after year and Louis Vuitton bags as gifts from AMCs while you will keep investing in high cost active funds in the hope of alpha.
Still investing in regular plans, idiots!
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@ActusDei
@deeptibhaskaran
@monikahalan
My philosophy in life is:
If you are chased by Bank RM and a cobra......save yourself from the former first.
Lesson learnt from reading
@monikahalan
in outlook money as a kid. Abhi tak kam aa raha hai.
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I feel sorry for those who are happily funding their fund manager/wealth managers trip to Omaha but have to think multiple times to plan a family vacation.
@1PageFinance
@Revhappy2
@nsarathc
@stocks_in
@Prashanth_Krish
@kendheswapnil
@contrarianEPS
@
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Online begging or online scamming is the last refuge of a FIRE scoundrel
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@rkartha
@iRadhikaGupta
18 hour workdays are glorified by CXO working mothers who live in high-rises and have an army of servants /nanny to look after their kid.
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@firstglobalsec
Getting 30 percent right is not a big deal.......getting 30 percent right over 30 years makes a Buffet.
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Basant is a smart talker and knows how to build a fanbase. Many years ago he fooled people buying into Hawkins at absurd valuations but himself sold the stock on the sly.
An extremely greedy and cunning manipulator.
I would advise market newbies to avoid his smallcase.
Exactly 1 year since Basant Sir blocked me for sharing his PMS performance on Twitter.
Index still beating the hell out of his PMS.
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From 2003 to 2007 end the Nifty went up 6 times. Yes 6 times in 5 years.
I entered the market in the middle of 2004 and yet when the bull market ended in 2008, I had lost everything I had made.
Of of my biggest regrets in life will be not sticking to basics during that phase.
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DSP equity savings fund holds 40 percent equity on an average. It has a mandate to go higher too.
Equity is a very risky asset class. Not correct to compare such equity heavy products with annuity.
Central bank driven bull markets don't last for ever.
Annuity is the stupidest product for everyone.
Rather park funds in Ppfas conservative MF/Quantum multi-asset/DSP equity savings and start a monthly SWP. It will outlive you and ur Annuity payouts.
Or, eat Chole bhatura every morning, so you never outlive ur corpus
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Just increased my monthly SIP amount by 20%.
Last change was done exactly 3 years ago.
MSCI World + MSCI EM + NSE 100
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@BhaskarAglave
@aditya_kondawar
@SwatiDugar_
I am waiting for the launch of Nostradamus stock advisory services.
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@contrarianEPS
I heard than tesla boss is writing his autobiography titled
Reminiscence of a bitcoin operator
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@UmeshPunde1
Makes 2.5 percent per annum just as fees. Transaction charges and other costs come in addition.
Buy an index fund with TER of 0.1 percent.
BMs PMS is not getting him good money so now preying on retail through small case.
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@kendheswapnil
@1PageFinance
Even after seeing this chart people will subscribe to small case. Back testing always can make any fund strategy look good in hindsight even if it's run by a complete crook.
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Must watch video for all those who are gradually moving to low cost broad market indexing.
@Revhappy2
@Prashanth_Krish
@samdesai62
@50Algo
@BhaskarTrivedi8
@passivefool
@suhasbadhe
@stocks_in
@gostr84ward
@IndiaEtfs
Charlie Ellis:"If you go back 50 years ago,there were a small number of people who made their living as analysts,and a small number of people made their living as portfolio managers, maybe as many as 500 people in the world. And today, it’s somewhere between 1.5-2 million people"
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Chacha ,
please ask your fund managers to beat the index first before doing gyaanbazi on TV . Even after loading this PMS scheme with midcaps couldn't beat NSE 500 for years. 💩💩💩
#Sensex
(also read,
#India
): The ultimate compounding machine.
Who precisely knows the future? But there is a good probability that the
#equitymarket
’s 15%
#compounding
over the last 45 years may well continue into the next 45! The implication is to stay invested so that you
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She is a flop fund manager but a shrewd saleswoman with the gift of the gab.
Taking investment lessons from her is similar to asking a barber when is the right time for a haircut
I have heard and seen more of Radhika Gupta in last 1.5 years than Sankaran Naren in last 15 years.
Surely that cannot be a good thing.
Or may be that is how new age mutual fund CXOs are supposed to be and I am too old to understand it.
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Basant Maheshwari Top 10 smallcase
😂😂😂😂
Anyone who claims to be able to pick 10 stocks from Nifty 50 to generate alpha is just an charlatan trying to get rich risk free while putting the investors at enormous risk.
Sorry to say that SEBI is doing nothing to protect small investors from
@smallcaseHQ
parasites
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@tapak7
PMS managers need just one cycle right. They can enjoy the rest of their life pretending to do organic farming in a lavish farm house.
Investors should think 10 times before placing all their money in one PMS.
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Yehi hai guru mantra for 99% retail salaried class.
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No they are not jealous but you definitely aspire to make big money being a finfluencer yourself just like her without an iota of regulation.
Fininfluencing is just about making money without any accountability.
Both MFDs and RIAs have accountability. A finfluencer doesn't.
This full page ad featuring Rachana has irritated a few people on Twitter.
I would argue that they are just a jealous bunch.
She has done more to educate and empower Indians about personal finance than all the RIAs would do in their lifetime.
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Every MFD will tell you stories about how doing SIPs for 30 years will make you wealthy but will never show you this maths. Your returns are assumed but your MFDs commission is guaranteed.
Direct plans hi Sahi hai.
Active Bet: Risk 20% to 30% of your corpus to earn higher returns than the market, despite an 80-90% failure rate.
Passive Bet: Pay 1% of your corpus to earn the market return.
Article by
@monikahalan
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India has 40 and 50 million stray dogs, which are the main vectors of transmission of the rabies.
Rabies is disease with 100% mortality and killing 21,000 people per year in India.
Preventing stray dogs from roaming around is a must if India wants to be a real economic power.
Wagh Bakri scion Parag Desai, 49, dies after attack by street dogs | very unfortunate. When will the local administration wake up?
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I have been doing a monthly SIP for the last 7years in an index fund tracking the MSCI Emerging Markets index.
After 7 years my returns are 0%.
No SIP salesman will tell you this.
@BoonTeeEng
Hang Seng index was higher in Feb 2000 than it is now! How do you even justify this? No other market in the world has lost investors money like China.
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BM Chacha’s performance is getting worse and worse even though Nifty is at all time high.
I am sure net of exorbitant fees, brokerage and other cost the performance is far worse.
Actually investors have lost money when Nifty is up 10%.
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@ActusDei
Rs 10 NAV, FUND from a insurance company, Returns calculated from 2004 while the small cap 100 index was launched in 2011.
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@theliverdr
@nntaleb
@vipul_kp
Don't take him seriously
@theliverdr
He is regarded as a clown among real statisticians. Here is a review of him by a renowned statistician Aldous.
At the best he is a glorified market punter and not a real statistician. Ignore him.
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I find it amusing when people look at 10/15 years return data for an index that was launched 3 months ago.
Yes you read it right!
NSE indices launched Nifty MidSmallcap400 Momentum Quality 100 indx on 8/2/24
Don't fall prey to factor mining &curve fitting in passive products
How do you find this Nifty MidSmallcap400 Momentum Quality 100 index ?
@InvestRepeat
@3rdr3r
@DeanOfValuation
@gajohr
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I think the real problem is when a PMS manager whose PMS has been underperforming on the last 2 year and 3 year trailing returns starts a mutual fund to generate alpha for investors.
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Prashant Jain was rarely seen on business channels when he was CIO at HDFC MF.
After launching his own AIF, he is on TV every alternate day 😂. Asset gathering not possible without CNBC.
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Anyone who claims to be able to pick 10 stocks from Nifty 50 to generate alpha is just an charlatan trying to get rich risk free while putting the investors at enormous risk.
Sorry to say that SEBI is doing nothing to protect small investors from
@smallcaseHQ
parasites
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Foreign trips and booze/ caberet at 5⭐ hotels were a norm in the mutual fund industry too before SEBI stopped upfront commissions.
Very few regulators empower the retail investors by giving the opportunity to bypass the middle man.
Long live SEBI and direct plans.
Read this before you jump into selling high-commission so-called insurance plans
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@theliverdr
NAC: The only approved use is for the treatment of paracetamol overdose/poisoning.
This statement is not entirely correct. NAC is also a very good mucolytic.
Otherwise, Good information in your tweet , as always
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Bro sold encrypted PDFs like no one ever could
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Excellent article
@maulik_madhu
Thanks to the
@livemint
team under
@ActusDei
for enlightening and empowering retail investors with knowledge in personal finance .
🙏🙏🙏
Retail investor ka aasli dost
@ActusDei
The insurance company generates its returns by investing in similar bonds and then charges fees and commissions for its efforts. The Bharat Bond ETF has an expense ratio of just 0.0005% - you get the same thing way cheaper. Story by
@maulik_madhu
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@Prashanth_Krish
Franklin templeton debt fund investor , now suffering from post traumatic stress disorder.
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Retail investors should stick to low cost, broad market index funds like Nifty 50, NSE 100 and not worry about individiual stocks entering sectoral indices.
Aur karlo indexing, jio financial services entering a core infra index.
Creating indices by NSE, maybe BSE as well has become questionable and investing in it by the general public even more so..
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Got a call from Kotak bank sales rep asking me to do equity SIPs.
I politely said I already have a SIP running.
The sales rep says the bank has specially recommended funds for doing SIPs which are updated every month. And this list is exclusively prepared by Mr Uday Kotak.
🤣🤣🤣
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@ActusDei
Manipulation to gather market share in passive ETF space. Customer acquisition cost!!!
Low cost ETF of less than 10 bps needs large AUM high volume.
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Time to launch Pregnancy SIPs
Age at which each generation started investing in equities:
Dad: 40+ years
Me: 24 years
Son: 6 months
Financial freedom is about starting earlier and earlier!
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Proud to be a long term broad market,low cost, index fund investor 💪💪
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Do you still buy air tickets from a travel agent. Or book your international holidays through him?
Internet came with its own set of casualties. Worldwide MFDs are on the verge of extinction. So start respecting DIY and RIA based investing and say RIP to MFDs.
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After working as a doctor for 14 years, I realized that it's not worth continuing.
The system is so inefficient and frustrating, it becomes difficult to make decent money maintaining quality of life and professional ethics.
Gave up and moved to Norway & I am not regretting it.
Even average Indians may do very well outside India.
Nurses earn a lot in developed countries and have same socioeconomic category as doctors.
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Excellent article
@CalmInvestor
👍
I wish I had read all these when I started investing in 2004.
What you must read over the weekend, by
@CalmInvestor
: Ten money messages I would share with my younger self
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Meetings/ annual letters/ investment process/or other forms of blogs which are just text converted to PDFs, don’t work if an active manager fails to generate alpha.
Active funds are created with the objective of beating the benchmark. That’s unfortunately the hard truth.
What’s the most efficient way of understanding your money managers approach / views / actions
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Meanwhile
@KotakMF
boss......
This data is gold.
No AMC or AMFI would be expected to ever publish this - even though they all have this data.
Kudos SEBI
And if you invest, keep your investment costs as low as possible.
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Scandinavian company Volvo never patented the technology developed by their engineer Nils Bohlin.
Capitalism with a heart is so rare these days!
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@StableInvestor
I would rather wish that Indians get a 401K like account where all equity funds won't be taxed on redemption, transfer or switch to another equity fund. Only when profits are taken out will they be taxed.
Retirement should be taken seriously by the government. We are aging fast.
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Love this nice gesture when
@PPFAS
employees clap every time I make a little investment on the ppfas app.
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@Datta_karan
Please don't distort facts. No one was promoting SIPs. 20 years ago, the greedy vultures were busy switching from one fund to the other. They were busy pushing closed ended funds in lure of 6 percent upfront commissions.
Only when SEBI removed upfront touts started SIP selling.
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@madhuibs
@dnyanesh115
@TheMFGuy1
@SEBI_India
@suchetadalal
Being spammed everyday by the frauds at policybazaar. Something needs to be done about this.
@ActusDei
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