₹1 CRORE?
₹5 CRORE?
₹10 CRORE?

What’s your magic number for FINANCIAL FREEDOM?

A 7-step structured approach can help you arrive at a realistic number.

A 🧵 STEP 1: LIST DOWN YOUR EXPENSES

Calculate all your regular expenditures in the previous year.

This includes everything from groceries, bills, EMIs, insurance, travel and children’s expenses.

Buying a home is one of the biggest decisions of your life.

The Loan that comes with it can feel long and expensive.

What if I tell you, a handy little trick to make a home loan INTEREST FREE?!

This simple 0.2% SIP can literally neutralise the entire interest cost.

A 🧵 Suppose you take a home loan of ₹50 lakhs for 20 years.

Interest rate = 9%
EMI = ₹44,986

This is the fixed amount you will pay each month for the next 20 years.

₹44,986 × 12 × 20 years = ₹1.08 crore.

This means you will repay more than double the amount you borrowed.

Five friends started a ₹5,000 monthly SIP in Large Caps in January 2017.

Each made a different choice:

-A put the entire ₹5,000 in the biggest fund.
-B split it across the top 2 funds.
-C across 3.
-D across 4.
-E across 5.

Which friend ended with the highest returns?

A🧵 Friend C, who invested in 3 funds, earned the highest returns.

However, markets aren’t always so linear.

So, we repeated this experiment with different years, starting in 2018, 2019, 2020, and 2021.

How many funds struck the right balance in their portfolios?

True story of IPO investing.

There seems to be some magic happening in the IPOs.

LOSS-making start-ups suddenly turn PROFITABLE before public listing.

Curious, we checked what’s happening.

We realised it’s the magic of accounting.

Here are some real examples.

A🧵 1. Pine Labs

In the last three financial years, it was loss-making.
Then, it turned net profitable in the first quarter of FY2026.

But how?

Thanks to other income and deferred tax.

Few people understand India’s wealth-creation story like Karan Bhagat @KB_360_ONE

He & Yatin Shah built @360ONEWealth from 0 to ₹43,146 cr in 17 yrs.

In a rare chat, he shares:
• How the ultra-rich think
• Where the next fortunes lie
• How to go from ₹1cr → ₹100cr

A🧵 1. TRAITS THAT SET THE WEALTHY APART

Everyone wants exponential growth, but it’s rare.

Successful individuals make minor improvements consistently.

They do the same things, but try to do them better each day.

Over time, those tiny gains compound into exponential results.

The fee you pay to mutual funds could soon decrease.

SEBI has proposed 3 BIG changes:

- Lower transaction costs
- Performance-based fee
- Transparency in expense ratio

Great move for investors, but the stocks of AMCs fell post the proposal.

Here’s everything you must know. 🧵 To understand these changes clearly, you first need to know how mutual fund expenses work.

Funds have two main cost buckets, TER and brokerage costs.

One is visible to you. The other is not.

Lenskart is set to raise ₹7,278 crore through an IPO.

On Twitter, many users are saying they will stay away from this offer.

Reason: A massive PE of 234x.

But PE may not be the best metric to judge the company.

So, are the concerns justified? A🧵 We will cover 5 key aspects in this analysis:

- Business Model of Lenskart
- Financials
- Valuations
- Key IPO details
- Strengths and challenges

Let’s start.

When you buy a car, you pay for it with POST-tax money.

When you lease one through your employer, you pay with PRE-tax money.

That one difference can save you lakhs in income tax in the New Regime.

Here’s everything you need to know. 👇🧵 Let’s start with the basics.

In a car lease program, your employer ties up with a leasing company and a financier.

You choose the car. The leasing company buys it and hands it over to you.

Your employer then pays a monthly rental (deducted from your salary) to the leasing company.

Gold has now outperformed every major equity market in the world.

In 2025 alone, it’s up 57%, the highest annual gain in its history.

But after such a sharp rise, is there still room left in this rally?

Or is it time to turn cautious? Let’s look at what the data says. 🧵 A RECORD-BREAKING RALLY

The scale of this rally has been historic.

Gold was around ₹47,958 in Feb 2022.

In just over 3.5 years, it has surged nearly 150%.

2025 alone saw a 57% increase, making it the strongest year ever for gold.

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.

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.

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.

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.

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.

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.

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.

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 👇

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.

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.👇

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. 👇

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.

Let’s say you sell a t-shirt for ₹500.

Fabric & stitching cost is ₹300

Gross profit = ₹200 → Gross Margin = 40% (200/500)*100