“₹10 crore isn’t enough to retire. You actually need ₹100 CRORE!”

That’s the kind of advice doing the rounds on financial Twitter these days.

But do you really need ₹100 crore if you are retiring today or in 15 or 30 years’ time? A 🧵 First, a question nobody’s asking:

Is ₹100 crore here your net worth or the actual corpus you can spend?

Your HOUSE, CAR and GOLD are your net worth.

You can't pay your electricity bill with them during retirement.

A few years back, we met an investor, Rohan, who was about to quit his SIP after 10 years.

He had:
- Invested ₹12L
- Earned just ₹11.2L

15 minutes later, we laid out one rule that helped him reach ₹1 CRORE.

Just ONE. Everything else was noise.

Here it is… 🧵 Rohan was the kind of investor everyone tells you to be.

He started an SIP and continued it for 10 years without missing a SINGLE instalment!

But to his surprise, the gains hadn’t even crossed what he had invested after 10 years.

What went wrong? 👇

You’ve most likely seen this headline:

“HDFC Gold ETF may invest up to 50% in DERIVATIVES.”

But does that mean Gold ETFs will now only hold 50% in physical gold?

Not exactly.

Here’s what most people missed about this big update. A 🧵 First, let’s understand how Gold ETFs actually work.

When you invest in them, the fund buys physical gold and stores it in vaults.

Your units represent that gold.

So when gold prices move, the ETF also moves.

As simple as that.

But here’s where it gets interesting 👇

Why do returns of REITs vary so widely?

Past year return:
- Mindspace Business Parks: 28%
- Brookfield India: 13%

Is this because some paid higher dividends?

Or are mutual funds investing heavily in some and ignoring others?

Or, is it something else?

Let’s find out. A 🧵 To know the answer, we looked at six different parameters:

1) Valuations
2) Traded Volume
3) Institutional Holding
4) Distribution (Dividend)
5) Debt Levels
6) Occupancy

There are HUNDREDS of index funds in the market.

But not even ONE takes care of asset allocation.

However, a new offering from @EdelweissMF could fix this 👇

- Passively invests 70% in Equities, 30% in Debt
- Rebalances monthly (no tax)
- Outperforms other hybrid funds

A 🧵 This fund combined TWO indices into one.

It tracks the Nifty LargeMidcap250 Plus 8-13 yr G-Sec 70:30 index.

- 70% of your money goes to the Nifty Large Midcap 250 index
- 30% goes to the NIFTY 8-13 YR GSEC index.

Rajeev Thakkar and Sankaran Naren together manage nearly ₹2.35 LAKH CRORE!

Both are hardcore value investors.

Yet, their portfolios today look nothing alike.

And when two of the most celebrated fund managers disagree…

It’s worth paying attention 👇🧵 1) CASH HOLDINGS

Let’s analyse three key metrics, starting with cash.

Parag Parikh Flexi Cap is holding close to 20% in cash.

Meanwhile, its cash holding in the ELSS Fund is down from 18% to around 13%.

For Diversified Equity funds, that is a meaningful liquidity cushion.

Three friends started a ₹20,000 SIP in Equity, Gold & Debt.

A went Aggressive: 100% in Equity

B was Balanced: 60% Equity | 20% Gold | 20% Debt

C was Conservative: 60% Equity | 10% Gold | 30% Debt

₹48 lakh over 20 years grew to ₹1.75 CRORE+ for all.

Who came on top? 🧵 As expected, Friend A, who took the Aggressive approach ended with the highest corpus: ₹2.21 crore.

Friend B, who split equally, ended with ₹2.17 crore.

Friend C finished at ₹1.98 crore.

Note: Portfolios are annually rebalanced.

Here’s one more thing we found 👇

India’s inflation nearly doubled to 2.75%.

Not all of it is because of the rise in prices.

The govt has changed how it calculates inflation.

From Netflix to Nachos, the new series captures today’s spending habits.

Does it mean we will see higher inflation here on?

A 🧵 Inflation is measured using the Consumer Price Index, or CPI.

Think of it as a big shopping basket.

It tracks prices of things households buy regularly, like groceries, rent and school fees.

Each item has a weight.

The higher the weight, the more it moves the final number.

Is it smarter to invest in Nifty Next 50 than Nifty 50?

After all, it has delivered better rolling returns across time periods.

It also consists of some of the biggest companies in the country.

So, does it deserve to replace Nifty 50?

Let’s find out. A thread.🧵 Let’s start with the basics.

Nifty 50 represents the 50 largest companies in India by free-float market capitalisation.

Nifty Next 50 consists of the next 50 companies, ranked 51st to 100th.

At first glance, they might look similar. But their behaviour is very different.

Nestlé India earns 87% ROE. Britannia? 52%.

TCS clocks 53%. Wipro? Just 17%.

Same industries, same markets… yet HUGE gaps in Return on Equity.

Why does this happen?

Let’s break it down 🧵 ROE = Net Profit / Equity

It tells you how much profit a company earns for every ₹1 of shareholder capital.

A higher ROE means the business is using shareholders’ money far more efficiently.

But ROE alone doesn’t tell the full story 👇

Indians love Gold.

We pass it from one generation to the next.

But in the process, most of us don’t have purchase receipts.

So, how much gold can you legally keep at home in India?

90% of Indians don’t know this 👇🏼 We will answer THREE key questions in this 🧵

1. Is there a legal limit on gold ownership in India?

2. When do quantity limits apply, and when they don’t?

3. What happens if you don’t have proof of Gold?

Let’s start. 👇

Most investors spend time picking the 𝘣𝘦𝘴𝘵 fund.

Very few ask a simpler question:

𝐎𝐧𝐜𝐞 𝐲𝐨𝐮 𝐢𝐧𝐯𝐞𝐬𝐭, 𝐡𝐨𝐰 𝐨𝐟𝐭𝐞𝐧 𝐝𝐨𝐞𝐬 𝐭𝐡𝐚𝐭 𝐟𝐮𝐧𝐝 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐝𝐞𝐥𝐢𝐯𝐞𝐫?⁣

We decided to check. With real data. On our own recommendations. At ET Money, our belief has always been simple:

👉 Better investing outcomes don’t come from chasing the best fund.

👉 They come from finding consistent performers that manage downside well, which makes it easy to give time to one’s investments

So we analysed our own recommendations’ performance in 2025.

In 2025, we tried to do one thing consistently.

Cutting through complexity and making investing easier to understand.

Here’s a curated list of our 10 MOST-LOVED threads.👇

Bookmark and retweet this 🧵 to help more investors. 1/10

After Budget 2025, the New Regime looked like a clear winner.

But data showed the Old Regime can still make sense for a small group of taxpayers.

We broke down slab-wise tax math, break-even deductions, and the ₹8 lakh “magic number”.

https://x.com/ETMONEY/status/1907458665839226935

Three friends started a ₹10,000 SIP in Nifty 50, Next 50, Midcap 150 & Smallcap 250.

A went Aggressive: equal split (25% each)
B was Balanced (35% Mid + 35% Small)
C was Conservative: 35% Nifty + 35% Next

₹24 lakh over 20 years grew to ₹1 CRORE+ for all.

Who came on top? 🧵 As expected, Friend A, who took the Aggressive approach, ended with the highest corpus: ₹1.48 crore.

His allocation:

35% in Nifty Midcap 150
35% in Nifty Smallcap 250
15% in Nifty 50
15% in Nifty Next 50

However, the gap between the three friends may surprise you 👇

One rule kept many investors away from NPS:

The 40% compulsory annuity.

PFRDA has reduced this limit to 20% in its recent announcement.

And that’s not all:
- Early exit is allowed
- Age limit is extended
…and much more.

Here are FIVE big changes. A 🧵 1) 80% WITHDRAWAL, 20% MANDATORY ANNUITY

Earlier, you could only withdraw 60% of your NPS corpus.

The remaining 40% was locked into an annuity.

Now, the mandatory annuity is reduced to 20%, meaning you can withdraw up to 80%.

Here’s where it gets interesting 👇

If you invest in mutual funds, chances are some of @ICICIPruMF's schemes are already part of your portfolio.

Now, the asset management company is raising ₹10,603 crore through an IPO.

Will it shine like other capital-market stocks?

Here are SIX things you should know. 🧵 1. BUSINESS MODEL

ICICI Prudential is one of the oldest asset management companies (AMC) in India.

It has two business verticals:

Mutual Funds: 93.3% of AUM
Alternatives (PMS, AIF): 6.7% of AUM

Two funds have dominated the last decade: Parag Parikh Flexi Cap and Nippon India Small Cap.

Both share one thing in common.

They fall less during a market crash and recover faster.

So, is there an Index that behaves the same way?

A 🧵 To test this, we compared four major indices:

- NIFTY 50
- NIFTY Next 50
- NIFTY Midcap 150
- NIFTY Smallcap 250

The results?

One index consistently bounced back way faster than the others 👇

₹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.