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Personal finance simplified in 1-Page. जब साज़ है आवाज़ है फिर किस लिए हिचकिचाना !!
2 subscribers
May 21, 2023 24 tweets 9 min read
I read the 40 Page draft shared by SEBI on Review of Total Expense Ratio charged by AMCs

It is found that mutual funds are charging retail investors more than the maximum allowed expense ratios.

Starting a THREAD with the shrewd statement by SEBI Chairperson Madhabi Puri Buch. 1) SEBI Regularly reviews the MF Industry to make them work in favor of the retail investor.

2012- MF AUM - ₹6L Cr.
2019- MF AUM - ₹21L Cr.
2023- MF AUM - ₹39L Cr.

Below are steps taken by SEBI to make things sensible for retail investors. ImageImage
Apr 16, 2023 12 tweets 4 min read
10 Personal Finance Visuals.

1. First rule: Image 2. “You need a reasonable amount of intelligence, but the temperament is 90% of it.”

-Warren Buffett Image
Apr 15, 2023 5 tweets 3 min read
If your favourite fintweet personalities are not calling out bullshit like below, consider them also as a part of the problem. ImageImageImageImage Just discovered from the tip that ghostwriting is part of this widespread problem which is recently being observed on Twitter, don’t blindly follow people, identify the pattern before you get influenced wrongly.

These influencers are just chasing views by paying for 💩write-ups. twitter.com/i/web/status/1… Image
Jul 2, 2022 12 tweets 4 min read
10 Personal Finance Visuals.

1. First rule: 2. “You need a reasonable amount of intelligence, but the temperament is 90% of it.” -Warren Buffett
Mar 7, 2022 15 tweets 4 min read
Funds That Don't Deserve Your Money.

Check your portfolio and do the cleanup!!

Read-Along 👇 1/n Aditya Birla SL Frontline Equity

The fund that doesn't deserve your money.

2/n
Dec 26, 2021 10 tweets 3 min read
William Sharpe's "Zero Sum" explained using simple analogy of Mumbai local trains...

A thread by @samdesai62

#ETF #IndexFund #PassiveInvesting • In a densly crowded peak hour, many commuters rush to catch window seats....

• Window seats are limited in number...
Aug 30, 2021 33 tweets 11 min read
Let Krishna Born in your Portfolio.

Mahabharat of Mutuals.

A Thread on Mutual Fund Saga Simplified for layman warrior. Image Krishna asked Arjuna to choose either Krishna himself, unarmed with passive involvement in the war as a charioteer or his mighty Narayani Sena, the most powerful army in the world at that time. Image
Aug 29, 2021 5 tweets 2 min read
It is easier to save or earn 5% more than beating the market by 2%.

Focus on what’s in your control and invest in Index Funds. With little training you learned..

• Cycling 🚴‍♂️
• Swimming 🏊‍♂️
• Driving 🚘
• Cooking 🧑‍🍳
• Handling marriage 😏 (Behavioural skill)

And all other hard and risky skills, similarly managing personal finance is no big deal as it’s advertised by financial industry.
Aug 17, 2021 26 tweets 4 min read
A Spicy Thread 🌶️ 🧵 on....

The science of Expense Ratio in Mutual Fund.

TL;DR: Jump to the spicy tables in the last few tweets of the thread. 1/16 Expense ratio is one of the most important parts of investing through mutual funds. There is a high chance that it is not discussed with you by your banker, agents or MFD advisor.

2/16
Aug 9, 2021 12 tweets 2 min read
Term of The Week.

Rolling Return 😵‍💫

A Thread 🧵

There are several types of returns to get an idea about stocks or funds. The most widely used around the financial world is trailing returns.

1/10 While it is good to glance at trailing returns, that is a point to point return, it does not actually give the idea about what an investor has experienced over time. 2/10
Jul 18, 2021 43 tweets 24 min read
𝐀 𝐌𝐞𝐠𝐚 𝐓𝐡𝐫𝐞𝐚𝐝 🧵 𝐎𝐧 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐑𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬 𝐈𝐧 𝐈𝐧𝐝𝐢𝐚.

We have crossed 10,000 followers.

We dedicate this milestone to all women.

Why?

Watch this eye-opener social experiment done by @Paytm
Our thoughts on women and finance.
Jul 12, 2021 4 tweets 3 min read
Term of The Week.

Turnover Ratio ♻️

A Visual Thread 🧵 Why turnover ratio is an important term to understand?
Jul 5, 2021 4 tweets 3 min read
Term of The Week.

Sharpe 🔪 Ratio

Explained in a visual thread 🧵 The first step is to understand the standard deviation ↓
Jun 19, 2021 4 tweets 2 min read
1 Page on REIT: The Mutual Fund of Real Estate 🏢

• Complex taxation simplified.
• Why should you consider it in your portfolio?

𝟮 𝗺𝗶𝗻𝘂𝘁𝗲𝘀 𝗥𝗲𝗮𝗱 ↓ Image For those who are interested in performance of listed REIT.

"These are the payout history for Embassy and Mindspace. (Brookfield hasn't given one yet). The annualized percentage is post tax (assumed 30% slab)." Image
Apr 23, 2021 22 tweets 5 min read
Let's celebrate #WorldBookDay with a thread on highlights from wonderful book "The Psychology of Money" by @morganhousel #WorldBookDay2021 Behavior Matters

Genius who loses control of their emotions can be a financial disaster. The opposite is also true. Ordinary folks with no financial education can be wealthy if they have a handful of behavioral skills that have nothing to do with formal measures of intelligence.