Kiran Rajput Profile picture
Jul 18, 2020 17 tweets 4 min read Read on X
**Wealth Creation**
What majority of Indians do with their savings?

Small Savings: Cash, FD/RD, LIC, VPF, Cheat Funds (Chit*) & Beesi*
Thread 👇
2) Big Savings: 2nd Flat, Land, Chit, Co- Op Banks, Invest in Relative/Friend’s Business, stash cash in bank locker/ home.
Sometime greed pushes them to invest in Multi-Level Marketing (Ponzi Schemes). Most of the time, the investors are victim of the ‘Fraud’ or mere returns.
3) How about investing in legit businesses & create *Wealth*. Let’s understand what constitutes Asset Classes. 👇
4) Asset Allocation refers to investing the savings in different legit asset classes: 💰💰
1.Equity
2.Debt
3.Gold
4.Real Estate
5.Farming
6.Cash
7.Bitcoin (Now)
👇
5) Start Investment journey at very young age, continue till we achieve financial freedom. Discipline savings & investment does help to achieve financial independence early or late 40’s.

Fin Independence is not Amway - MLM. Fin Ind is ~Time is yours not your employer's
👇
6) Ensure the below before journey:
1.Term Insurance (not LIC’s Life Insurance)
2.Medical Insurance (Outside your work)
3.Emergency Fund
4.May be own House (if you are strong enough to withstand Social Stigma, better to stay in a rented house)
👇
7) What should be the allocation percentage, asset class definition, age etc? There are plenty of content available in public domain. Please Read. 📜
8) While its extremely imp to spread the risk by investing in different asset classes to hedge your portfolio in the scenarios like ~Depression, Pandemic, Political Crises etc

Not to forget, the above such situation is also an platform to create a big “Wealth” in next 10-12 yrs
9) Let me talk about one of the low penetrated asset class in India ~ “EQUITY”

What is Equity?
For standard definition & explanation, just Google it. For me, investing in Equity is an opportunity to partner with successful businesses.
👇
10) How the math works: If in a growing sector a best stock should give a conservative CAGR of 15-20%.

Let’s assume, you partner with a growing & ethical business by investing:
Lumpsum: 2.5 Lac
Add Monthly: 10,000
Add Inflation: 5%
......
11) ......
Now, let’s see what will happen after 15 years @ 15% CAGR: Rs 1,08,94,936.46 (1 Crore & above)
(dividends not added)
and that’s the ~ Power of Compounding

Here is one ~
12) How I should invest in Equities? If an individual ready to put efforts during weekends, after office hrs understand the economy, sectors, Capital Cycles & fundamentals invest directly in stocks.
👇
13) If you don’t understand these concepts, simply invest in few good Multicap Mutual Funds. The compounding math still remains the same.
👇
14) Few List of stocks & MFs identified for education purpose only not investment recommendation:
Sector, Stock & MFs: Image
14-A) Updated Watchlist:
Direct Stocks: Image
14-B) Updated Watchlist
Multicap & Hybrid MFs Image

• • •

Missing some Tweet in this thread? You can try to force a refresh
 

Keep Current with Kiran Rajput

Kiran Rajput Profile picture

Stay in touch and get notified when new unrolls are available from this author!

Read all threads

This Thread may be Removed Anytime!

PDF

Twitter may remove this content at anytime! Save it as PDF for later use!

Try unrolling a thread yourself!

how to unroll video
  1. Follow @ThreadReaderApp to mention us!

  2. From a Twitter thread mention us with a keyword "unroll"
@threadreaderapp unroll

Practice here first or read more on our help page!

More from @_KiranRajput

Jun 21
How Mutual Funds have performed from 2019 - 2023 (yr wise data).
It will give us very good insight on sectors, themes.
Thread🧵👇
Pharma Funds: Image
FMCG Funds: Image
Banking Funds: Image
Read 12 tweets
Apr 11
There are 120 Index Funds.
Read below detailed thread on 15yr to 1 yr returns.
The below data should help Index Investors.
⍣HDFC, ICICI & UTI Nifty50 have done exceptionally well.
⬇️↓⇟⬇️🧵
15 yr returns⤵️Image
10 yr returns⤵️
⍣Cheers to Next50 Index Funds Image
7 yr returns⤵️
⍣HDFC Sensex Index Fund is consistent over the yrs. Image
Read 6 tweets
Jan 4
Common Sense & Simple Investing!
It’s not necessary we need sound fundamental & technical skills to build a portfolio. Sometime common-sense & doing simple things does help create Wealth.
Very Importantly Behavioural Skills.

My investments in ‘Direct Stocks’ is 90-95% though I keep writing about Mutual Funds.
My expectations from this portfolio is 20-25% only.
Here are the list of my stocks in alphabetical order:
Bank of Maha.
Triggers:
»Undervalued PSU Bank
»NPA's cleaned
»Recapitalization
»Growth PlansImage
Coal India
Triggers:
»Undervalued
»Power Demand
»Green Energy Capex
»De-merger
»Lumpy DividendsImage
Read 17 tweets
Dec 2, 2023
Systematic Withdrawal Plan (SWP) as a Pension Tool.
More realistic nos.
At 23 yr, I
SIP in Mutual Funds: Rs 2,500
Annual Increment: 15%
Duration: 25 yr
Conservative CAGR: 12%

Corpus at the age 48yr: 1.7 Cr
Lets see if I do 1.5 Cr SWP in below BAF
(20L - Taxes)
🧵⤵️
Monthly withdrawal is 8% of the corpus. Slightly on higher side.
For those who are concerned about inflation, every 2-3 yrs you can increase withdrawal. Just that reminder will be reduced.

Fund1: HDFC Balanced Advantage Fund
Withdrawal/ Month: 1 Lakh
Duration: 20 yr Image
Fund2: ICICI Pru Balanced Advantage Fund
Withdrawal/ Month: 1 Lakh
Duration: 15 yr Image
Read 10 tweets
Nov 26, 2023
Few argued earning 15% CAGR in Mutual Funds is difficult.
here is the 10 year data for↴
⓵Flexi-cap
⓶Mid-cap
⓷Small-cap
The returns range between 15% & 28%.
Index Investors can you counter it with data🙂?
🧵⤵️
"Flexi-cap" Image
"Mid-cap" Image
Read 5 tweets
Aug 5, 2023
2nd SWP (Systematic Withdrawal Plan) thread on conservative withdrawal.
Lumpsum: 1 Cr & 50 Lakh
Time Frame: 12yrs
Withdrawal %: 6%

Assumption: have own house, kids are settled & they are moving partial savings in SWP.
I am picking funds randomly. No Discrimination.
Lets go⤵️
Flexi-cap: DSP
Pic1: 1 Cr, 50K/ mth, Corpus after 12 yrs: 2.8 Cr
Pic2: 50L, 25K/ mth, Corpus after 12 yrs: 1.4 Cr
Image
Image
Large & Mid-cap: SBI
Pic1: 1 Cr, 50K/ mth, Corpus after 12 yrs: 3.8 Cr
Pic2: 50L, 25K/ mth, Corpus after 12 yrs: 1.9 Cr
Image
Image
Read 10 tweets

Did Thread Reader help you today?

Support us! We are indie developers!


This site is made by just two indie developers on a laptop doing marketing, support and development! Read more about the story.

Become a Premium Member ($3/month or $30/year) and get exclusive features!

Become Premium

Don't want to be a Premium member but still want to support us?

Make a small donation by buying us coffee ($5) or help with server cost ($10)

Donate via Paypal

Or Donate anonymously using crypto!

Ethereum

0xfe58350B80634f60Fa6Dc149a72b4DFbc17D341E copy

Bitcoin

3ATGMxNzCUFzxpMCHL5sWSt4DVtS8UqXpi copy

Thank you for your support!

Follow Us!

:(