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16 Nov, 17 tweets, 8 min read
1/n
Began tweeting actively this March & this came as a pleasant surprise to me .
Thank you so much everyone for 5k! 🙂🙏

I have varied interests & my threads are on random topics .
Consolidating a few that I think are worthy to make the list.

A THREAD OF THREADS 🙂👇
2/n
*On PERSONAL FINANCE*

A thread on my journey till date in the world of markets and investing, mostly highlighting my mistakes as a beginner .

3/n
*On owning a house *

Having your own space is a dream for all of us .
But is it worth taking an exorbitant loan early on ?

4/n
* Some basic pointers on #personalfinance *

We know it ,yet tend to overlook them often .
Highlighted them as a gentle reminder for all of us .

5/n

* A thread on #IPO *

IPO has its own aura . But should we as a retail investor opt for them?

6/n
* PRACTICAL POINTERS FOR INVESTORS *

Some practical tips on investing and things to do before entering the world of markets which are often overlooked.

7/n
*VOLATILITY IS GOOD.EMBRACE IT*

#Volatility is often cursed upon by many salaried investors . So here's a small thread on how we can use it to our advantage .

8/n
* On #MutualFunds*

Often see many complaining about their MF investments not performing after 2-3 yrs of SIP and why despite having 10 MF they aren't earning profits .

Some simple pointers on the same .

9/n
*#CreditCards - A HIT OR A MISS ? *

A highly debatable topic I would say .
But it all boils down to one's discipline and responsibility .

Personally in favour of it .

10/n
*PENNY STOCK RECOMMENDATIONS DURING DIWALI & ITS IMPLICATIONS*

Newbies often go in for #pennystocks citing lack of capital & great returns .
But are they goldmines or landmines in reality ?

11/n
* ON BOOK REVIEWS * 📙📝

* A BOOK OF SIMPLE LIVING *

I like to read.
Thought of sharing my takeaways from the books I liked beginning with Ruskin Bond , for he is one of my personal favourites.

12/n
* THE PSYCHOLOGY OF MONEY *

I believe this thread summarises the entire book in case anyone doesn't have the time to read the entire book .

A bestseller and rightly so ..
13/n
* 80/20 YOUR LIFE *

We have heard a lot about Pareto Analysis in business . But it can also be applied in most aspects of our lives .

A quickfire thread on the same from a book I skimmed through recently .

14/n
* ON LIFE LESSONS * 📸

I like photography & nature .
Decided to club both and wrote thread on

* LIFE LESSONS FROM NATURE & WILDLIFE *

15/n
* ON GRATITUDE *

We complain a lot for petty things in life often forgetting how blessed and privileged we are .

Gratitude is an attitude .
A small thread on the same !
16 /n

* ON BIASES *

As humans we all are subject to our biases .
A random thread on #Biases and the role they play in our lives.
Be it in #investing
Be it in #life .

17/n
Rahul Dravid mentioned about the Chinese Bamboo in his of his talks and that got me curious .

Read up and loved the allegory and decided to write a thread on it

* THE CHINESE BAMBOO *

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More from @VidyaG88

Vidya Ganesh Profile picture
13 Nov
1/31
My takeaways from the best seller
#ThePsychologyOfMoney by @morganhousel

It beautifully encapsulates , via chapters , the most under rated factor in investing - The Psychological aspect of it .

Do read the book :)
#BookRecommendations
#booklovers
2/31
CHAPTER 1

What we experience early on (in our adult life) is more compelling than what we learn second hand, which is why each person thinks about #Risk & #Reward DIFFERENTLY.

In theory we SHOULD make our investments based on OUR goals & options available.
3/31

However we tend to include our unique experiences of how the world works (albeit with incomplete information) which might seem crazy to others .

* Spreadsheets cannot replicate human emotions which is why no amount of studying can make one truly UNDERSTAND the underlying.
Read 31 tweets
Vidya Ganesh Profile picture
6 Nov
1/14
* HOW TO BECOME RICH THIS DIWALI 🤑 *

With Diwali around the corner along with our economy rebounding , only fair that we be bombarded with "PATAKA STOCKS" by EXPERTS from Indore to the enthusiastic newbie who made 30% returns on his portfolio ( of ₹10,000) in 1 week 🙄
2/14
So here are my 2 cents gently reminding how much of WEALTH has ACTUALLY been created for the enthusiastic retailers by PATAKA / PENNY / MULTI BAGGER stocks recommended in the past few years .

DISCLAIMER : Being a learner, I am mostly wrong 😇🙏
To each his own .
3/14
A small snapshot of a few Penny stocks ( using this word a little liberally here ) that were recommended LEFT , RIGHT AND CENTRE on Social Media & how they are doing currently :))

P.S - These are still recommended to newbies with the recount of their glorious past ! 🤦
Read 14 tweets
Vidya Ganesh Profile picture
28 Oct
1/8
 Often hear salaried people complaining about volatility being the reason they stay away from markets .
IMHO I feel #volatility is not risk . It's actually an opportunity to be capitalised upon sensibly .
( T&C being applicable as always*)
A few pointers on the same.
2/8
 * Being salaried helps immensely as one gets a fixed sum of money monthly . Less uncertainty of cash inflows aids in better decision making as we don't resort in knee jerk reactions .

* With proper planning one can keep aside money to invest systematically in markets.
3/8
 * In the event of a sudden melt down we won't be forced to sell our holdings for want of money for next month's expenses.

* Thereby , we ensure we do not interrupt the process of #compounding . Otherwise, one is forced to sell even good stocks for want of money . 🤷
Read 8 tweets
Vidya Ganesh Profile picture
21 Oct
1/14
* Some practical tips on #PersonalFinance & #Investment *

Met someone who lost heavily in markets( sizeable amt) which makes me write this thread .

DISCLAIMER : There are exceptions always.However the chances of us being in that exception is rare !🤷 Hence the thread.
2/14

Pls DON'T ENTER markets without ensuring you have
- An Emergency Fund in place
- A good comprehensive Life & Health insurance policy for all .
- Term Insurance ( especially if taken a house on loan)

More details given in the old tweet.
3/14
* INVEST SURPLUS ONLY *

Consider investing in markets as money locked in ( like in a PPF account) for a few years atleast & THEN decide how much money you CAN AFFORD TO LOCK IN.
Else we may have to sell ( even a good)stock at lower price BECAUSE we need money urgently .
Read 14 tweets
Vidya Ganesh Profile picture
18 Oct
1/12
A quickfire thread based on a book I read recently titled " 80/20 YOUR LIFE " .

Disclaimer : This is MY interpretation & the ratio (80/20) is variable..
The essence here is to identify what matters & weed out the inconsequential & thereby manage time accordingly.
2/12
The #Pareto principle - 80/20 Rule is pretty well known & discussed in context of work & business productivity.
But it can also be applied practically in our day to day life in all possible aspects to ensure smooth sailing.
How do we do that? 🤔
3/12
Pretty simple actually !
Our Top priority goal must be a S.M.A.R.T goal aka :

Specific
Measurable
Attainable
Relevant
Time based goal .

Everything is #time based as time saved can be used constructively for other purposes or even wasted happily ! :))
Read 12 tweets
Vidya Ganesh Profile picture
11 Oct
1/17
* A #TravelThread on The UNESCO #WorldHeritageSite - Ajanta & Ellora Caves *

Ajanta : Dating from 200BC ,these caves were excavated in 2 phases.

Ellora : 34 caves known for Buddhist , Jain & Hindu cultural influences.

Disclaimer : Based on MY understanding solely . 🙏
2/17
Before proceeding to #AjantaCaves make a small detour (16kms approx) to see the panoramic view of the caves & scenary from AJANTA VIEW POINT.
( Car goes easily. Lil walking of few steep steps)
Totally worth the view. :))
3/17
Archaeologists have numbered the caves from East to West.
Best mural works found in Caves 1,2,16,17 and 19.
Best sculptures found in Caves 1,4,17,19,24 and 26.

Most of it is sadly ill maintained. Hence unless one takes a guide( govt approved) along ,makes no sense.
Read 17 tweets

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