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Nikunj Chhag Profile picture
Nikunj Chhag
@NikunjChhag
Microbiologist by qualification. Passionate about personal finance & long term value investing. Financial products distributor. Building @flowrichfin
Nov 2, 2025 • 14 tweets • 3 min read
Thread-3: No, not all loans are for you only!

Date: 29/08/24

A call received from a neighbour who got my reference for personal finance guidance. He wanted to come to my office to meet me. I was about to leave but I stayed for him as he was a neighbour.

1/n Image Aged 38, doing job in logistic sector.

Wife (33) in IT sector WFH.

Total salary Rs 1.4 Lakh/m.

He wanted me to get guidance on investing some 10-15k/m.

When collected all data, it was a shocker for me.⚡

2/n
Oct 28, 2025 • 18 tweets • 3 min read
Due to Diwali holidays, could not publish this last Sunday!

🧵 Thread-2: How NOT to plan for Retirement!
(1/n) Image 📅 Year 2018 – I was 2 years into the business, part-time.

A close relative retired that year.

He proudly told me he bought 2 LIC Annuity plans – ₹15L each for himself & wife.
Rate: 6.4%.

That’s ₹16k/month for life.
(2/n)
Oct 19, 2025 • 9 tweets • 3 min read
Starting a new way to communicate from this Diwali. Will write a weekly thread on my or my team's @flowrichfin interaction with clients or prospects.

So lets start with the first and the latest one which is also very much interesting too!

A thread 🧵 Date: 11/10/25 Saturday, Time around 10 am

Call received from my cousin asking to invest Rs 1 Lakh lumpsum in silver ETF FoF (Silver rate was >Rs 1.8 L/kg. At this rate it already gave >65% returns YoY.