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Vineeth K

@DealsDhamaka

Oct 5, 2025

Since many are asking me

Thread 🧵: How would I build my investment portfolio if I had to start with ₹20,000/mnth

Most people think you need lakhs to invest

Truth: Yes, but you also need consistency & clarity. Here’s how ₹20K/month could create a portfolio 👇

#investing

1️⃣ Step 1 - Know my foundation
Before investing a rupee:

Clear any high-interest loans (like credit cards, outside debt, personal loans) ✅

Build an emergency fund = 3–6 months of expenses. ✅

Once that’s done → ₹20,000/month can start working for you

2️⃣ Step 2 - A simple allocation strategy 👇

₹8,000 → Equity mutual funds
₹6,000 → Index funds or ETFs
₹4,000 → Debt/FD
₹2,000 → Gold (SGBs / ETFs)

I chose low debt as I am still in 30s, one can be more or less aggressive based on age

Balanced. Diversified. Manageable

Read 8 tweets

Vineeth K

@DealsDhamaka

Sep 7, 2025

Having a 20L or 1Cr premium does not guarantee a health insurance claim…

Before buying any health insurance policy, learn these basics 🧵

Pre-existing diseases

Most insurers won’t cover your existing medical conditions immediately.
Waiting periods can be 3 years. Know this before relying on your policy.

3 years was last Oct, before that the policies had varied waiting periods

Waiting periods

Apart from pre-existing, some common illnesses (like hernia, cataract, knee replacement) also have specific waiting periods. Read that fine print.

Read 12 tweets

Vineeth K

@DealsDhamaka

Aug 24, 2025

I was recently diagnosed with Coccyxdynia - tailbone pain 🧵

It’s surprising how a tiny bone at the bottom of your spine can make sitting, working, or even driving so painful

I visited an orthopedic and a physician. They suggested cushions, physiotherapy, and posture correction.

But honestly, the hardest part is not the treatment.
It’s daily life.

What did doctor say?

Bad roads are the biggest struggle. Every bump or pothole sends sharp pain through my coccyx. Driving, riding, even short commutes have become uncomfortable.

Long working hours make it worse. Sitting at a desk for hours without moving adds pressure and pain. Physiotherapy and small posture changes help, but it’s a slow process.

What is helping me:

✅ Cushions (donut/wedge)
✅ Short breaks from sitting
✅ Simple stretches and physiotherapy
✅ Awareness of posture

Patience is key, this isn’t a quick fix

Read 4 tweets

Vineeth K

@DealsDhamaka

Jul 23, 2025

Investing Basics – Explained with Examples

🚫Not for experts

Understand SIP, STP, SWP, Asset Allocation & More with simple real-life cases (on request from DM's)

Bookmark if you’re getting started 🧵

SIP – Systematic Investment Plan
STP – Systematic Transfer Plan
SWP – Systematic Withdrawal Plan
Lumpsum Investment
Asset Allocation
Emergency Fund
ELSS – Equity Linked Saving Scheme

SIP – Systematic Investment Plan
You invest a fixed amount every month in a mutual fund.

🧠 Think of SIP like an EMI – but for wealth creation.

✅ Works best for regular income folks
✅ You don’t have to time the market
✅ Builds long-term discipline

📍Example:

A person invests ₹5,000/month in an Index Fund via SIP. After 10 years (assuming 12% CAGR), it grows to ~₹11.6 lakhs

His total investment? Just ₹6 lakhs
Return? ₹5.6L profit without doing anything daily.

Illustration:

🎯 Returns Summary
- Total Investment: ₹1,20,000
- Value at Year End: ₹1,26,837.02
- Gain: ₹6,837.02
- Approximated XIRR: ~12%

STP – Systematic Transfer Plan

STP allows you to move money gradually from one mutual fund to another (usually from debt to equity).

✅ Useful when you have a lump sum amount (like ₹5–10L) but want to avoid market volatility.

🧠 Strategy:

- Park ₹5L in a liquid or ultra short-term fund
- Set up STP of ₹25K/month into an equity mutual fund

This way you avoid investing the entire lump sum at a market high. Also useful when doing goal-based investing

Example

10-month STP table with growth applied:

Debt Fund grows at 6% annual interest
Equity Fund grows at 12% annual interest
₹1,00,000 is initially invested in the debt fund.
₹10,000 is transferred monthly to the equity fund.

Read 9 tweets

Vineeth K

@DealsDhamaka

Jul 7, 2025

Heard of AIS? 🚨

The Annual Information Statement (AIS) is your financial footprint recorded by the Income Tax Department.

Think of it as your "CCTV footage" of financial activity.

Let’s break it down 👇

AIS includes everything the IT Dept knows about your:

🔹 I. Income Sources (General)

Salary
Rent Received
Dividend
Interest from Savings Bank
Interest from Deposits
Interest from Others
Interest from Income Tax Refund
Rent on Plant & Machinery

🟧 II. Lottery, Betting & Gaming Winnings

Lottery/Crossword Winnings (u/s 115BB)
Horse Race Winnings (u/s 115BB)
Online Games Winnings (u/s 115BBJ)
Lottery Ticket Sales Commission

🟪 III. Special Income (Section 111, 115A/B/AC/AD, etc.)

PF Balance from Employer (u/s 111)
Infrastructure Debt Fund Interest (u/s 115A(1)(a)(ia))
Interest from Specified Company (Non-Resident) (u/s 115A(1)(a)(aa))
Bonds/Government Securities Interest
Units of Non-Resident Income (u/s 115A(1)(a)(ab))
Offshore Fund Income / LTCG (u/s 115AB(1)(b))
Foreign Currency Bonds/Shares Income (u/s 115AC)
Foreign Institutional Investor Securities Income (u/s 115AD(1)(i))
Specified Fund Securities Income (u/s 115AD(1)(i))

🔸 IV. Commissions, Insurance & Other Receipts

Insurance Commission
Life Insurance Policy Receipts
National Savings Scheme Withdrawal
Securitization Trust Investment Income
Government Payable Sums
Specified Senior Citizen Income
Business Trust Distributed Income
Investment Fund Distributed Income
Donations Received

🟦 V. Asset Sales / Transfers

Land/Building Sale
Immovable Property Transfer Receipts
Vehicle Sale
Securities/Mutual Fund Units Sale
Off-Market Debit Transactions
Off-Market Credit Transactions
Repurchase of Units by MF/UTI
Virtual Digital Assets Transfer Receipt

🟩 VI. Business & GST

Business Receipts
GST Turnover
GST Purchases
Business Expenses
Rent Payment
Miscellaneous Payment

🟫 VII. Banking & Cash Transactions

Cash Deposits
Cash Withdrawals
Cash Payments
Account Balance

🟨 VIII. High-Value Purchases & Spending

Foreign Remittance / Currency Purchase
Foreign Remittance Receipt
Foreign Travel
Immovable Property Purchase
Vehicle Purchase
Time Deposits Purchase
Securities/Mutual Funds Purchase
Credit/Debit Card Transactions

🟥 IX. Non-Resident & Sports-Related

Non-Resident Sportsmen/Sports Association Payment (u/s 115BBA)

CBDT has notified 57 types of Income and Expenses that will be available in AIS.

📍 Find your AIS at:

Login → Services → Annual Information Statement
(It goes way beyond Form 26AS)

Why check AIS?
✅ Catch errors before filing ITR
✅ Spot missing or excess income
✅ Avoid tax notices
✅ See exactly what the IT Dept seesincometax.gov.in

Read 6 tweets

Vineeth K

@DealsDhamaka

Jun 15, 2025

I am 35 now,

Below are 15 things I wish I knew at 25 🧵

Invest in yourself — it pays the highest returns.

In the first 10–20 years, your active income (from your skills, job, or business) grows the fastest

Spend time with your parents — after 50, they age faster, and what’s lost can never be regained

Regret lasts forever

Read 16 tweets

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