Kiran Rajput Profile picture
Sep 18, 2020 22 tweets 7 min read Read on X
📲India's Super-App: Jio?
Still many of us are guessing Jio is just an another mobile & e-commerce service provider..

If that's the case why so many well known brands - FB, Google, Qualcomm, Silver Lake, Vista, KKR & many other invested in Jio?

Thread 👇 1/17... Image
2/ What I observed is the categories of people - grapes are sour intellects & limited insight analysts keep ranting that Jio is one more Airtel or BigBasket with poor services, whats so great about it.

Not many of us are aware, why these investments in Jio 👇 Image
3/ What could be the reason behind Jio's strategic stake sale, lets understand the concept of "Super-App"

What is "Super-App or Mini-Programs"
4/ It wont surprises u if I say, 'u can do anything u want with one single device (smart-phone)'

but u give a thought if I say, 'u can do anything u want with one single app'

But u guess, its not a good idea, v have apps example Just Dial, how many of us use it?
5/ Lets understand in detail Super-App Concept& WeChat Super-App

A super app is many apps within an Umbrella App. Its having OneApp for chatting, video calling, media sharing, social media, shopping, grocery, food, movie-event booking, cab, payment, commerce & many others.
6/ *WeChat*
A largest gaming co & 5th largest internet co in the world.

Its parent Tencent - a Chinese conglomerate with many investments in
Social Network Payment System
Media Entertainment
Smartphone e-comm
Ads & many others Image
7/ Tencent has given returns of 11,000% since it went public on Hong-Kong stock exchange, analysts here in India are worried about RIL's over-valuation before any Re-Rating.
Lets understand Tencent Offerings 👇
8/ Tencent Offers the following:
1. Social Network
2. Digital Payment
3. Entertainment
4. Information & News
5. Cloud Providers
6. Artificial Intelligence
7. & few strategic investments in Tesla, Snapchat, start ups - Flying Cars & Astroid Mining.

Does Joi has all these?👇 Image
9/ About WeChat & Business Model

WeChat was launched in 2011 a messenger app like WA. It was reported that WeChat was on the brink of purchasing then rival WA in2014. Untimely surgery of CEO Pony Ma of Tencent allowed Zuckerberg to get in there first.
10/ How WeChat evolved as a SuperApp. Many sub-apps added within WeChat ecosystem called Mini-Programs
These r basically d tiny apps within WeChat, access in <5 seconds. Many hav developed mini programs on WeChat, eg ~ Tesla, JD.com &Mobike (shared-bike services) ImageImage
11/ Does it make sense to use tiny app with existence of native apps like Uber, Zomato, Uber, Oyo, Quicker, Amazon, Flipkart & many others in one single app called “Super App”?

Why not? If I get everything quickly onWhatsApp, why I should spend time on multiple native apps
12/ Youzan – a SaaS solution provider says a user access to Mini Program via:
•WeChat Official Account menu
•Embedded into WeChat article
•Discover tab of WeChat
•Sharing card on WeChat groups
•Scan of Mini Program QRcode
•Search

Here is the % distribution.. Image
13/ LY active user base & time spent on mini programs grew by 60% & 23%. 746 million monthly users monthly time spent 64 mins

Now the question is, does Mini-Program replace or beat native app? It may not, but definitely take away the major traffic from them (market share).
14/ Let us check, e-commerce industry distribution, the major industries r Grocery, Cloths & Shoes, Living Goods & Transportation.
No doubt why Jio WhatsApp chose to integrate grocery shops in first place.
Refer distribution chart & fastest growing social commerce category ImageImage
15/ WeChat
Active Users: 1.1 B
MCap $ 500 B ($ 83.6 B in 2015)

Not sure if Jio WhatsApp planning to replicate here, if “YES” why FB tied-up with Jio, they wld hav done this on their own?
Reasons could be~

Local Presence
logistics/infra
Working with Local Govt
Data
16/ Disclaimer: Invested in RIL, I am not an employee of RIL.
The above thread is my insight & opinion only that Jio may be an India's Super App.
*not a recommendation to invest*
17/ Information Sources:

businessofapps.com/data/wechat-st…
End
@dmuthuk @invest_mutual @Dinesh_Sairam
you may find this thread interesting 👆
Forbes say, it’s replicated Jack Ma and Alibaba’s strategy in China..
forbes.com/sites/enriqued…
Reliance Jio in talks with Facebook to build a ‘super app’ similar to China’s WeChat
thehindubusinessline.com/info-tech/reli…
More on RIL & FB Strategic Partnership, beautifully articulated 👇

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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

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