🚨Gift City-The path to international investments!

As international investment resumes,
Parag Parekh has just launched an S&P 500+Nasdaq 100 FoF

Who can invest in these funds?
What is the minimum investment size?

A thread🧵on PPFAS gift city funds & should u invest thru it?👇 Background:-

The Reserve Bank of India (RBI), in coordination with the Securities and Exchange Board of India (SEBI), has placed overall industry-wide caps on foreign investments by Indian mutual fund houses.

The restrictions, primarily designed to manage foreign exchange reserves and control currency volatility, have currently caused a halt in fresh investments into most international mutual funds

🚨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?👇 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.

🚨Gift City-The path to internal investments!

As international investment resumes,
Parag Parekh has just launched a PMS for investments to the US.

Who can invest in this PMS?
What is the minimum investment size?

A thread🧵on PPFAS gift city PMS and should u invest thru it?👇 Background:-

The Reserve Bank of India (RBI), in coordination with the Securities and Exchange Board of India (SEBI), has placed overall industry-wide caps on foreign investments by Indian mutual fund houses.

The restrictions, primarily designed to manage foreign exchange reserves and control currency volatility, have currently caused a halt in fresh investments into most international mutual funds

Sum Insured=25L
Claim amount-4L

The insurer rejected the claim, stating that excessive drinking is the cause of liver damage!

Can your health insurer reject your claim due to smoking & drinking?(even if u declare it)

A thread🧵on claims due to smoking and drinking in health insurance?

Lets go👇 How does smoking and drinking affect your health insurance?

Both smoking and drinking are injurious to health

For Smoking:-
If you smoke more than 6 cigarettes a day no insurer issues a policy.

For Drinking:-
If you drink upto 200ml per week insurers may issue a policy but they may load the premium

Holding Companies trade at a massive discount of 50-90% to asset value!🤯🤯
What is a holding company discount?🤔

Should a discount be applied to Jio Financials holding in Reliance?🤔

A thread🧵on holding companies &how should u go about investing in holding companies?

Lets go👇 What is holding company discount?

A holding company discount means that the Holding company's Market capitalization is less than the sum of investments it holds.

Lets see with an example👇

🚨Federal Bank-Has it found the right balance?

Led by the KVS Manian,
Federal Bank is the biggest turnaround story of this credit upcycle
The Bank is now raising more than 6000cr for next leg of growth

A thread🧵on the business of Federal Bank & what lies ahead?

Lets go👇 What is happening?

After disappointing the investors for 5 years

Federal Bank has finally started to report record profits.

Lets analyse the business of Federal Bank

🚨Pharma Sector-A vastly complex space!

The Pharma sector is a very heterogeneous sector with companies operating in different niche areas

There are various sub-sectors within the Pharma sector

A thread🧵 on the various subsectors of the Pharma sector & stocks listed in each space

Lets go👇 So how does the pharma sector operate?

The pharma sector value chain

From key starting material to APIs to FDFs
Companies operate across the spectrum

Source:-Value Educator

🚨Mutual Fund Analyser Series-Hybrid Funds

Hybrid funds have a combination of debt and equity,

What are the different types of hybrid funds available?
How are hybrid funds taxed?🤔🤔

A thread🧵on different types of hybrid funds and who u invest in them?👇 What are Balanced funds?

Balanced funds, also known as hybrid funds, are a class of mutual funds that contain a debt component and a stock (equity) component in a specific ratio in a single portfolio.

i.e. The same mf scheme will hold Debt as well as equity investments

🚨Specialized Investment Fund(SIF)-Mutual funds with short positions!

Quant Mutual Fund has just launched India's first long-short SIF

What are SIFs?
Should u invest in an SIF?

A thread🧵on SIFs and should u invest in them?👇 What are Mutual funds?

A mutual fund is an investment fund that pools money from many investors to purchase securities.
Mutual funds in India are not allowed to take short positions.
They are mostly long-only products,

So SEBI created a new asset class

🚨Debt Mutual Funds-which one to choose?

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👇 What are debt mutual funds?

Mutual funds that invest in fixed income

🚨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👇 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

🚨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?👇 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.

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👇 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

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👇 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.

🚨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👇 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

🚨 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👇 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

🥤🥤Water Treatment-The theme of the century?🥤

After a change in strategy,
VA Tech Wabag reported spectacular nos with
🥤Strong margins and
🥤strong cash flows

But are these changes sustainable?🤔🤔

A thread🧵on the business of VA tech wabag & what lies ahead?

Let's go👇 Water purification is a major theme not only in India but across the world
In India,
The
Ministry of Jal Shakti allocated nearly 99500 cr for this.
Other Southeast Asian countries are also investing in this,

🚨Indusind Bank- Can it get any worse?🤔🤔

As if derivative accounting problems were not enough,

Indusind Bank reported shocking numbers with even more problems:-
🏦 NPAs hidden in microfinance
🏦Inflated fee income
🏦The board suspects fraud by some employees🤯🤯

A thread on 🧵on the results of Indusind Bank and what lies ahead?👇 What is happening at Indusind bank?

In March,
Indusind Bank reported an accounting error in the derivatives book.
This led to 2000 cr and exit of top management.

That was just the tip of the iceberg,
The stock price has tanked from there

Let's find out more👇

🚨IDFC First Bank-Poor Capital allocator?

IDFC First Bank spent
🩺400cr on Indian cricket sponsorship
🩺180cr in dividends
But to fund this
The bank raised nearly 10,000cr in the last 1 year😅😅😅

Now, as NPAs surge,
The bank reported a very poor set of numbers

A thread🧵on the business of IDFC First Bank & what lies ahead?👇 What has happened?

From the high of nearly Rs 90,
IDFC First bank has now lost nearly 30%,

The bank is seeing a surge in microlending NPAs,

Lets find out what lies ahead for IDFC👇

🚨ICICI Bank-The new market leader!

ICICI Bank reported a superb set of numbers!
Led by pristine asset quality,
The results were blockbuster

ICICI Bank has now taken over from HDFC Bank as the true market leader

A comprehensive thread🧵 analyzing the results of ICICI Bank 👇 Credit growth:-

System loan growth at about 10%
🏦Overall loan growth at 13.3%
🏦Retail loan growth at 8.9%
🏦Corporate loan growth at 13.9%

Steady from ICICI Bank

HDFC Bank is nearly 11% of the Nifty.
Falling Net Interest Margins have been a big concern for the bank🥲🥲

The Bank has just now posted its results
Is the Bank on the road to recovery?🤔🤔

A short thread🧵analyzing each and every aspect of the HDFC Bank result!

Lets go👇 Advances+Deposit growth:-

YoY numbers are not comparable due to the merger

🚨Advance grew by 5%
🚨Retail loans grew by 9%
🚨Deposits grow by 15%

Loan growth has been slowed down to lower the LDR
Deposit growth is firing up for HDFC Bank!

Loan growth must pick up in the coming quarters