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@kalramukesh

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ET Money

@ETMONEY

Jan 21

Nestlé India earns 87% ROE. Britannia? 52%.

TCS clocks 53%. Wipro? Just 17%.

Same industries, same markets… yet HUGE gaps in Return on Equity.

Why does this happen?

Let’s break it down 🧵

ROE = Net Profit / Equity

It tells you how much profit a company earns for every ₹1 of shareholder capital.

A higher ROE means the business is using shareholders’ money far more efficiently.

But ROE alone doesn’t tell the full story 👇

You see, a company’s ROE doesn’t rise or fall randomly.

It shifts because of THREE levers:

-Net Profit Margin
-Asset Turnover
-Equity Multiplier

Here’s how each one impacts the final number 👇

Read 10 tweets

ET Money

@ETMONEY

Jan 14

Indians love Gold.

We pass it from one generation to the next.

But in the process, most of us don’t have purchase receipts.

So, how much gold can you legally keep at home in India?

90% of Indians don’t know this 👇🏼

We will answer THREE key questions in this 🧵

1. Is there a legal limit on gold ownership in India?

2. When do quantity limits apply, and when they don’t?

3. What happens if you don’t have proof of Gold?

Let’s start. 👇

IS THERE A LEGAL LIMIT ON GOLD OWNERSHIP IN INDIA?

Short answer: NO

Indian law does not set a fixed legal limit on the amount of Gold you can keep at home.

What matters is whether you can explain the source of it.

If you cannot provide proof, here are the guidelines 👇

Read 15 tweets

ET Money

@ETMONEY

Jan 7

Most investors spend time picking the 𝘣𝘦𝘴𝘵 fund.

Very few ask a simpler question:

𝐎𝐧𝐜𝐞 𝐲𝐨𝐮 𝐢𝐧𝐯𝐞𝐬𝐭, 𝐡𝐨𝐰 𝐨𝐟𝐭𝐞𝐧 𝐝𝐨𝐞𝐬 𝐭𝐡𝐚𝐭 𝐟𝐮𝐧𝐝 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐝𝐞𝐥𝐢𝐯𝐞𝐫?⁣

We decided to check. With real data. On our own recommendations.

At ET Money, our belief has always been simple:

👉 Better investing outcomes don’t come from chasing the best fund.

👉 They come from finding consistent performers that manage downside well, which makes it easy to give time to one’s investments

So we analysed our own recommendations’ performance in 2025.

We looked at how funds in the most popular categories on ET Money behaved 𝘢𝘧𝘵𝘦𝘳 𝐰𝐞 𝐫𝐞𝐜𝐨𝐦𝐦𝐞𝐧𝐝𝐞𝐝 them.

Across 4 quarters of 2025 and the entire year.

And we compared that with:

-Funds ranked top by 𝟑-𝐲𝐞𝐚𝐫 𝐭𝐫𝐚𝐢𝐥𝐢𝐧𝐠 𝐫𝐞𝐭𝐮𝐫𝐧𝐬 ⁣

-Funds ranked top by 𝟓-𝐲𝐞𝐚𝐫 𝐭𝐫𝐚𝐢𝐥𝐢𝐧𝐠 𝐫𝐞𝐭𝐮𝐫𝐧𝐬⁣

Same categories. Same quarters. Same yardsticks.

Read 13 tweets

ET Money

@ETMONEY

Dec 29, 2025

In 2025, we tried to do one thing consistently.

Cutting through complexity and making investing easier to understand.

Here’s a curated list of our 10 MOST-LOVED threads.👇

Bookmark and retweet this 🧵 to help more investors.

https://x.com/ETMONEY/status/1907458665839226935

1/10

After Budget 2025, the New Regime looked like a clear winner.

But data showed the Old Regime can still make sense for a small group of taxpayers.

We broke down slab-wise tax math, break-even deductions, and the ₹8 lakh “magic number”.

https://x.com/ETMONEY/status/1907458665839226935

https://x.com/ETMONEY/status/1954205482144485886?s=20

2/10

Reliance is worth ₹21 lakh crore in the market.

But to actually buy the business, you would need far more.

And on paper, its worth is far lower.

These three numbers coexist, and understanding why changes how you look at every stock.

https://x.com/ETMONEY/status/1954205482144485886?s=20

Read 12 tweets

ET Money

@ETMONEY

Dec 28, 2025

Three friends started a ₹10,000 SIP in Nifty 50, Next 50, Midcap 150 & Smallcap 250.

A went Aggressive: equal split (25% each)
B was Balanced (35% Mid + 35% Small)
C was Conservative: 35% Nifty + 35% Next

₹24 lakh over 20 years grew to ₹1 CRORE+ for all.

Who came on top? 🧵

As expected, Friend A, who took the Aggressive approach, ended with the highest corpus: ₹1.48 crore.

His allocation:

35% in Nifty Midcap 150
35% in Nifty Smallcap 250
15% in Nifty 50
15% in Nifty Next 50

However, the gap between the three friends may surprise you 👇

Friend B, who split equally, ended with ₹1.41 crore.

Friend C finished at ₹1.33 crore.

In % terms, the gap isn’t wide.

NOTE: We chose these indices because they cover the entire marketcap spectrum, forming a core vanilla passive strategy.

Here’s one more thing we found 👇

Read 13 tweets

ET Money

@ETMONEY

Dec 17, 2025

One rule kept many investors away from NPS:

The 40% compulsory annuity.

PFRDA has reduced this limit to 20% in its recent announcement.

And that’s not all:
- Early exit is allowed
- Age limit is extended
…and much more.

Here are FIVE big changes. A 🧵

1) 80% WITHDRAWAL, 20% MANDATORY ANNUITY

Earlier, you could only withdraw 60% of your NPS corpus.

The remaining 40% was locked into an annuity.

Now, the mandatory annuity is reduced to 20%, meaning you can withdraw up to 80%.

Here’s where it gets interesting 👇

There’s no annuity requirement if your total NPS corpus is ₹8 lakh or less.

In this case, you are eligible to withdraw the entire 100% as lump sum.

Earlier, the 100% withdrawal limit was only allowed for a corpus of ₹2.5 lakh or less.

There’s more 👇

Read 13 tweets

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