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Oct 11 • 15 tweets • 3 min read
Until recently, the GIFTING of mutual fund units was NOT possible.
This has changed.
You can now gift mutual fund units to your family, just like shares or cash.
NO need to sell your units. NO need for a demat account.
Here’s everything you need to know. 🧵
If your units were in non-demat form, you couldn’t transfer them until recently.
The only way was to convert to demat and then transfer or add them as a nominee.
Both routes were slow and heavy on paperwork.
Now, the transfer of units is far easier.
Oct 7 • 16 tweets • 5 min read
Jio Payments Bank is giving its accountholders a facility to earn up to 6.5% “returns”.
But there’s a catch.
It’s not the “interest” you earn on the savings A/C.
Then what is it? Let's decode.
We will also discuss FOUR alternatives that can help you earn similar returns. A🧵
WHAT IS JIO OFFERING?
The payments bank will take your money and invest it in overnight funds – essentially, a debt scheme.
While the advertised return is 6.5%, it’s not guaranteed. Returns are market-linked.
If you don’t opt for this, you get around 2.5% on the savings A/C.
Oct 3 • 18 tweets • 3 min read
S. Naren of .@ICICIPruMF has spent over 3 decades in the markets.
He has seen it all.
We interviewed him. He talked about:
- How to invest
- How and when to sell
- How to minimise mistakes
- No debt = big crisis
- How to approach gold & silver now
…And much more.🧵
1. INDIA IS NOW A CONTRARIAN MARKET
For the first time in years, India has underperformed almost every major market.
The US, China, Japan, Korea and even Europe have done better.
That is unusual because India normally outperforms.
Oct 2 • 13 tweets • 4 min read
India’s LARGEST co-working office space provider is coming tomorrow with a ₹3,000 cr IPO.
Some of its key clients are Amazon and JP Morgan.
It’s none other than WeWork India.
Should you apply? A🧵
We will cover 5 key aspects in this analysis:
- Business Model of WeWork India
- Financials
- Competitor Analysis & Valuation
- Key IPO details
- Strengths and challenges
Let’s start.
Oct 1 • 15 tweets • 3 min read
RBI just announced the BIGGEST banking reforms in 10 years.
They are so significant that even stock markets bounced back today, after a 2-week slide, led by banking stocks.
Let’s break down the 7 key policy changes.👇🧵
1. ENHANCED LIMIT FOR LOAN AGAINST SHARES
Currently, individuals can borrow up to 50% of pledged shares, with a ceiling of Rs 20 lakh per person.
RBI will raise this limit to Rs 1 crore per individual.
This makes borrowing against shares more accessible.
Sep 28 • 16 tweets • 3 min read
Everyone talks about HDFC Flexi Cap and PPFAS Flexi Cap.
But BOI Flexi Cap has also delivered similar 3-year returns.
HDFC Flexi Cap: 24.20%
Bank of India Flexi Cap: 23.16%
PPFAS Flexi Cap: 22.19%
Do similar returns mean they are equally good? NO.
Here’s why👇🧵
We compared these three funds on 5 key parameters.
1. STANDARD DEVIATION
Standard deviation shows the ups and downs you experience while investing in a fund.
It tells you how smooth or bumpy the ride is.
A lower standard deviation means a stable, less stressful investment journey.
Sep 25 • 19 tweets • 4 min read
Some investors chose PPFAS for global diversification.
After the RBI's restrictions, its int'l allocation is down to 11% from 30% earlier.
It's not just PPFAS; many other funds are affected.
So, where do you go if you still want to invest abroad?
Welcome to GIFT City. A 🧵
RBI restrictions have forced 37 of 67 international funds to stop accepting fresh money.
Yet global markets are still performing, and the rupee’s steady fall makes overseas assets more attractive.
Indians want diversification, but traditional MF routes are blocked.
Sep 23 • 14 tweets • 4 min read
There’s a 60-year-old formula that can tell you if a stock is cheap or overpriced.
Created by Warren Buffett’s mentor Benjamin Graham, it’s simple, practical, and almost forgotten.
And the best part? You don’t need an MBA or CFA to use it.
Let’s break it down. A🧵
Benjamin Graham came up with this formula to calculate a stock’s true value.
Formula: V = [EPS × (8.5 + 2g) × 4.4] / Y
It might look a bit mathematical, but don’t worry, it’s very simple.
Here’s what each component means 👇
Sep 21 • 13 tweets • 2 min read
How much are you saving for your child’s higher education?
₹20 lakh? ₹50 lakh? ₹1 crore?
What feels “safe” today could look like pocket change in 15–20 years.
Here’s the real math behind education planning 🧵
The hardest part? You don’t know the path your child will take.
India? Abroad? Or something completely different — sports, music, arts?
Each path comes with a price tag that can shock you.
Sep 20 • 13 tweets • 4 min read
Motilal Oswal Mid Cap slashed cash from 31% in May to just 2.8% in August.
PPFAS Flexi Cap, despite record inflows, is still holding over 20%.
Two opposite calls.
Here’s what India’s 4 popular funds are doing. A🧵👇
We analysed the portfolios of the 4 popular equity schemes.
These were the funds that saw the highest inflows in their respective categories.
-Motilal Oswal Mid Cap
-Parag Parikh Flexi Cap
-Bandhan Small Cap
-Nippon India Large Cap
Here’s what we found.👇
Sep 19 • 19 tweets • 4 min read
The NPS will soon see sweeping changes.
- You can invest 100% in equities
- Invest in multiple equity, debt and hybrid funds
- You will be able to withdraw 80% of the corpus on maturity
…and much more
Let’s look at some of the big changes coming to NPS.
A 🧵
Some changes are already locked in. They take effect this October.
Other reforms are still “proposals”. The Pension Regulator (PFRDA) will finalise those after stakeholder feedback.
Let’s start with what’s already confirmed. 👇
Sep 17 • 14 tweets • 5 min read
HDFC AMC makes a ₹70 net profit from ₹100 sales.
Bharti Airtel makes ₹21.6, Reliance just ₹7.5, and Zomato only ₹2.6.
Why such a huge gap?
The secret lies in Gross, Operating & Net margins.
Let’s break down how profits really flow across industries. A🧵
1. Gross Margin = (Revenue – Cost of Goods Sold) / Revenue
It shows how much profit survives after covering the cost of making a product or service.
When you want to be healthy, you go to a hospital.
But, for a healthy growth of your investments, which hospital stocks should you pick?
We compared the 3 biggest hospital stocks – Apollo, Max, and Fortis.
Which one deserves a spot in your portfolio? Let’s find out. A 🧵
We will cover 3 key aspects in this analysis:
- Business comparison
- Sectoral metrics
- Financials and valuations
By the end, you’ll know which stock stands out.
Sep 11 • 9 tweets • 2 min read
Manish Gunwani has changed the game at Bandhan Mutual Fund.
Under him, equity funds have bounced back, and his small-cap fund is a star performer.
Here are SEVEN insights from our podcast that could change how you invest. 🧵
Buy-and-hold doesn’t work in small caps. They are too sensitive to policy and macroeconomic changes. Therefore, one must actively manage the allocation.