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

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

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.

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%

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)

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

Not sure why - people in India like to scam

On my hunt for a new sofa for our newly renovated home, after exploring 10+ options I landed in a local store who promised to provide the design and fabric we wanted. We chose the fabric after exploring 30+ books & brands With all customisation, the sofa costed a bomb + 2% extra for paying via. Credit card. Finally we agreed the sofa to be delivered on April 3rd

In between, we also planned to get a dining table, hence the store person told they would deliver both by April 7th considering Eid

Last Minute Bill Payment? 😢
Pay your credit card bills using UPI 💳💳💳

Amex:

Log in through any UPI enabled mobile banking app / BHIM and pay.

American Express UPI VPA is AEBC3XXXXXXXXXXXXXX@SC (Please ensure that you put your complete 15-digit Card number beginning with 37 or 34)

#ccgeek #creditcard SBI CARD bill:

Step 1 : Click on Pay by VPA (Virtual Payment Address).

It should be Sbicard.16 digits of your credit card no@SBI e.g. Sbicard.4726420123456789@SBI

Step 2 : Insert amount which you wish to pay to SBICARD and click on Go

Road-trip from Pune to Royal Rajasthan!!

• 3200kms
• 6 hotels
• 10+ attractions

All in 50k INR plus Marriott points for a family of 2+1 Day #1

• Drove from Pune to Ahmedabad via Mumbai, achieving the best mileage since purchase, all thanks to the fog!😜😆

• Had amazing food at TAPI Restaurant (since 1975) in Surat.

• Stayed at the Fairfield by Marriott (9500 points)

• Visited Vibrant Sabarmati River Front

• Had delicious Gujarati Thali at ISCON THAL

#PUNE AGRI TOURISM - PICNIC 🧺

Went on a PICNIC with 15+ families today

Meher Retreat located 42Kms from Pune

Rs.750+ Taxes/person (we got 15% off)

- Multiple Activities - Boating 🛶 , Bullock Cart Ride, Tractor 🚜 ride, animal farm 🐐 🪿 🦃 🐄 🐂 🦜 , kids play area, Magic show, swimming pool, rain dance, water slides etc.

- Paid activities - Pottery, mini digger

- Unlimited meals - Breakfast, lunch, Hi-Tea, Sugar cane juice

- Hurda Special Activity

- Farm fresh produce sale

Kids to elders, every liked it within the budget

#Travel


Activities

After 1.2M views for the BANKOK TRIP, here is ⤵️⤵️⤵️

PART 2 - Trip to 🇹🇭 THAILAND & MALAYSIA 🇲🇾

Covering #MALAYSIA – Scenic Parks, Luxurious Stays, and Culinary Delights!

- Family of 3 (Wife, 4yr old kid & me)
- 3 Days
- Total Spend 40K INR + CC points

Itinerary & details below (with Food & locations for INDIANS 🇮🇳)👇
Will share all the links at the bottom
DAY 3 - Landed at 3PM in #Malaysia from #Bangkok …

Started with a shocker - Forgot our passports in the airport trolley & had to go back 😢 2 hours wasted.

Booked Hotel in Central location. #AIRPORT to #HOTEL is 57 Km, takes 45mins to 1 hour

Used GRAB Taxi - it took us 80 MYR ~Rs.1500.

There is KLAI EXPRESS (Direct train to central) which charges 45 MYR per person. So for 2 or more people, Cab is cheaper.

Ours is unplanned itinerary, if you are planning before - Look at KLAI TRAVEL PASS. At 80 MYR, you can take most train & bus rides for 2 days + one way to KLAI Terminal

Trip to 🇹🇭 THAILAND & MALAYSIA 🇲🇾

Exploring Southeast Asia: A Journey Through Malaysia & Bangkok – Safari Adventures, Scenic Parks, Luxurious Stays, and Culinary Delights!

- Family of 3 (Wife, 4yr old kid & me)
- Covered cities only (6 days)
- Total Spend 1.1 Lakh INR + CC points

Itinerary & details below 👇
Will share all the links at the bottom

#Travel #ccgeek Trip planned only 6 days before, turned out to be a bit expensive

DAY 0 -> MUMBAI TO BANGKOK

Via. Air India

Booked with Air India miles (32000) + Rs.6000 for 2 tickets and Rs.20000 revenue for 3rd ticket

Total revenue cost Rs.26000

ADANI WEST LOUNGE IS GOOD (Perks of Air India Platinum Membership)

Landed in Bangkok and booked cab to hotel

29 Kms - 222 BHAT (~Rs.500 INR) booked through BOLT - Car was Toyota ALTIS

One can get cheaper flight tickets via AVIOS miles if booked 3-4 months early

NEW TO INVESTING ? Few things to keep in mind … 📕📕📕

Most of them were true in my case

Overconfidence - Many individual investors tend to believe they can consistently pick winning stocks, leading them to trade frequently. This overconfidence often results in higher transaction costs and lower overall returns.

#Investing Loss Aversion : Investors often hold on to losing stocks for too long or keep averaging , hoping they will recover, rather than cutting their losses. This reluctance to sell at a loss can lead to missed opportunities in more profitable investments.

'సంపాదించడం' ఎలా 🧵

డబ్బు కన్నా సంపద మిన్న

1) మనం పడుకున్నప్పుడు కూడా సంపాదించే ఆస్తులు ఉండటం 'సంపద'

2) మన దెగ్గర నుండి దోచలేని జ్ఞానమ్ ఉండటం 'సంపద'

1/n 3) రేపు ధనం పోయినా, బలం పోయినా, బలగం పోయినా, హోదా పోయినా - ఎలా అయినా బతికేస్తాం అనే ధైర్యం ఉండటం 'సంపద'

4) నైతికంగా తప్పుదోవ పట్టకుండా ధనం సమకూర్చటం 'సంపద'

2/n

BEST FUEL CREDIT CARDS in INDIA 🧵

Fuel has become more expensive than ever at ~110/Ltr

One can save 3-7% on fuel using the following credit cards below :

#ccgeek #Creditcard SBI BPCL Octane Card

Joining Fee - Rs. 1499 + GST
Annual Fee - Rs. 1499 + GST (Waived off on 2L Spend)

Welcome Benefit - Get 6000 bonus reward points equivalent to INR 1500

Fuel Rewards - Enjoy 7.25% Value back
~ 25X Reward Points on fuel purchases at BPCL petrol pumps (Maximum 2500 Reward Points per billing cycle) - 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto ₹ 4000

Link to apply - bitli.in/8uk0j5X

How to save 3-25% on FUEL transactions?

Step 1 :

Create an account with one of the Fuel Providers.
I fill my petrol only in Indian Oil, so created IOCL account and always give my mobile number for the billing.

So every time petrol is filled XTRAREWARDS get accrued

#ccgeek Step 2 - with Credit Card

Take a Fuel based credit card which will offer you rewards and surcharge waiver for every fuel transaction

I use Indian Oil - Citi Card which provides 4 Turbo points / Rs. 150 spent

Each Turbo Point = 1 rupee

Attended my kids school orientation session today, he will be joining NURSERY soon…

In the session, teachers shared some trends they are observing & suggested some key pointers for parents to keep a watch on …

Although all are basics, this made me INTROSPECT a lot

1/n Children have slowed on taking instructions these days …

Reason - they watch TV/Gadgets and most of the learning is happening through eyes & not ears

Earlier kids in school used to listen in 1st instance, now it takes 5 times

LEARNING THROUGH EARS IS REDUCING

2/n

On request, I am sharing the top 5 cards I use right now

AXIS MAGNUS - Premium Card

5X - 40X rewards using GiftEdge, GrabDeals portals
25000 milestone points on >1L spend/month

Points to miles conversion ratio is very good

Annual charges - 11.8K/Year
10K TataCliq voucher free AMERICAN EXPRESS MRCC Card

Reward multiplier
4 transactions of 1500/month - 1000 points
20000 spend milestone - 1000 points

18K & 24K rewards are the best. Saved more than 70K in last 4 years.

First-year free + bonus points on referral

Apply here -
americanexpress.com/en-in/referral…

#GOLD investment in #India ?

Most of us are hearing a lot about #SGB - Sovereign Gold Bonds these days. In this thread, I will try to explain my understanding

Sovereign gold bonds(SGB) were introduced by the Government of India in 2015 under the Gold Monetization Scheme.

1/n SGBs are substitutes for Physical gold, the bonds are issued by RBI (Reserve Bank of India) on behalf of Govt of India.

Imagine buying gold but in non-physical form, the price of the bond increases and decreases with the price of Gold in the international market

2/n

I have screened over 500 resumes and conducted more than 250 interviews ranging from entry-level to senior executives, and here are some basic/generic observations

- CV (curriculum vitae)
- Interview Readiness
- Interview Questions
- Interview Etiquette

#JobInterview CV (curriculum vitae)

Keep it concise: A CV should be a maximum of two pages long. Use bullet points and clear headings to make it easy to read.

0-8 Years -> One page
8+ years (Senior role) -> Two pages (the first page highlighting the latest experience)

ISB at #Hyderabad will forever remain as a great case study of how a leader with a vision and agility made the impossible possible

#ISB established with a motto of strengthening entrepreneurship and fostering innovation will truly stay as one of the biggest achievements of CBN

https://twitter.com/isbedu/status/1603775726326779905

Keeping politics aside, the reason this is very close to my heart is because of the impact it created on many other visionaries who then setup such institutes across India to help nurture India’s young leaders with world class faculty & opportunities

#ISB