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Aditya Shah Profile picture
@AdityaD_Shah
Jun 29, 2024 • 14 tweets • 4 min read • Read on X
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Debt Mutual Funds

So many categories of Debt Mutual funds like
1. Liquid fund
2. Short term fund
3. Gilt funds
and many more

Which one should u choose?🤔🤔

A thread🧵 on various types of debt funds and which one to choose?

Lets go👇 Image
What are debt mutual funds?

Mutual funds that invest in fixed income Image
Types of Debt Funds

Based on the fixed-income securities they invest in
1. Liquid
2. Overnight
3. Short term
4. Gilt fund
5. Banking and PSU debt fund
6.Dynamic Funds
7. Medium Duration Funds Image
Liquid Funds:- Image
Overnight Funds:- Image
UltraShort term funds:- Image
Short term funds:- Image
Medium Duration funds:- Image
Long Duration Funds:- Image
Dynamic Funds Image
Gilt funds:- Image
Corporate Bonds Image
Banking and PSU debt funds Image
Keep following me -@AdityaD_Shah as I write daily to make you aware around:
📈Personal Finance
📈Investing
📈Stock Analysis

Go to my profile and hit the bell icon🔔to always stay updated

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More from @AdityaD_Shah

Aditya Shah Profile picture
Sep 10
🚨Asset Allocation-Your friend in bad times

Should you invest all your money in equities/shares?
Should you diversify among asset classes?

S Naren called out for people to follow Asset allocation
What is asset allocation and how can you do it?

A thread🧵 on Asset Allocation and why it is your savior in bad times?

Lets go👇Image
What Is Asset Allocation?

When you save money, you have the below options for investing -

🏦Equities
🏦Debt
🏦Real Estate
🏦Gold

A proper asset allocation will help you with the right mix in each of the asset classes in a proportion that is commensurate to your risk profile Image
Let's understand these assets more!

Equities -

Sole purpose of Equities is to GENERATE wealth

Ownership of business

Amongst the most volatile asset classes + highly risky (hence, the returns also tend to be high)

Only asset class that can compound in double digits Image
Read 11 tweets
Aditya Shah Profile picture
Aug 21
🚨What to do with your LIC policies?

Most households have traditional Life insurance policies with an "Assured Sum of money" from LIC and other insurers

Most do not know what to do with these policies now

A thread🧵 on what you should do with ur LIC Policies?👇 Image
What is life insurance?

A Life Insurance policy provides financial security to the family of the insured, in case of their death during the policy period, and in some cases a maturity benefit to the insured person, after a set period of time.
What is life insurance?

A Life Insurance policy provides financial security to the family of the insured, in case of their death during the policy period, and in some cases a maturity benefit to the insured person, after a set period of time. Image
Read 16 tweets
Aditya Shah Profile picture
Jul 20
ICICI Bank-The clear Market leader!

Both HDFC and ICICI reported numbers yesterday
How does ICICI Bank stack up against HDFC Bank?

Is ICICI Bank way ahead of HDFC Bank?🤔🤔🤔

A short thread🧵analyzing each and every aspect of both results.

Lets go👇 Image
Loan+Deposit growth:-

ICICI Bank
🏦Total deposits grew 12%
🏦Loans grew at about 12%

HDFC Bank
🏦Deposits grew at 16,2%
🏦Loan grew at just 6%

Both Banks are gaining market share in both deposit and loan portfolios
While ICICI marches on,
HDFC Bank has slowed down its loan growth due to meer issues and bringing down the LDR
Loan portfolio growth:-

Bulk of ICICI's growth came from the 6.9% retail growth.

The corporate loan growth slipped to only 7.5%

HDFC Bank had a retail growth of 8%
The corporate loan growth slipped to only 1.7% Image
Image
Read 12 tweets
Aditya Shah Profile picture
Jun 30
Tax Planning is very important to optimize tax outgo!

Hindu Undivided Family(HUF) is a good option that is available for all married persons

What is HUF? How to create it?

A thread🧵on HUF,how to create HUF and its benefits?

Lets go👇 Image
What is Hindu Undivided Family(HUF)?

An HUF, under the Hindu law, is a family consisting of lineal descendants from a common ancestor. It includes their wives and unmarried children.
HUF’ is treated as a ‘person’ under section 2(31)​ of the Income-tax Act, 1961 (herein after referred to as ‘the Act’).

HUF is a separate entity for the purpose of assessment under the Act.
Read 19 tweets
Aditya Shah Profile picture
Jun 23
🚨How to buy health insurance- A checklist

Health insurance policies come with 100s of variations & are very complicated🤯🤯

Which conditions should u keep in mind before buying a health insurance policy?🤔🤔

A thread🧵 on a comprehensive checklist of things you should check before buying a health insurance policy

Lets go👇Image
What is a health insurance policy?

In simple words, you pay a premium to an insurance company.
The insurance company in return will cover the cost of any unforeseen hospitalization

Almost everyone should have personal health insurance Image
Which health insurance policy to buy?

Health insurance policies come with 100s of variations such as:-

🩺Some have co-pay
🩺Some have lower premium
🩺Some have higher new claim bonus
🩺Some have caps on various things

So which one to buy?
Read 21 tweets
Aditya Shah Profile picture
May 30
🚨 Suzlon- Is the turnaround finally completed?

After decades of Hardships,
Suzlon is reported 67% revenue growth in FY25
It is order book of 5.6GW(highest in last 25 years)

Is the wind energy and Suzlon's business on a massive turnaround?🤔🤔

A thread🧵on the business of Suzlon and what lies ahead?

Lets go👇Image
The history of Suzlon:-

Suzlon undertook aggressive expansion within the wind energy space.

This led to a massive build-up of debt and after that huge problems for the company

Here is a brief history of the company Image
So what is changing for Suzlon?

A series of steps have been taken by policy makers to reverse earlier policies that hampered wind capacity addition between FY18-FY23.

Policy makers decided to do away with reverse auctions.
Read 17 tweets

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