Rohit J. Gyanchandani Profile picture
CA | AMFI Registered - MFD | Helping Investors achieve Goals through MFsπŸ† | Wealth Planning | Email: rohit@nandinivesh.com | Founder: @NandiNivesh
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Jan 31 β€’ 9 tweets β€’ 2 min read
7 hidden tips on how to use credit cards effectively πŸ‘‡

In India, credit card trend is increasing very fast.

People swipe now and think later.

The advice that you can follow that will prevent you from using cards carelessly are:- 1️⃣ Choose Wisely: Examine cards according to your purchasing patterns.

A rewards travel credit card may be the best option if you travel often.

Cashback or reward cards might be useful for regular expenses.
Sep 24, 2022 β€’ 11 tweets β€’ 3 min read
Met Mr. Bhavesh Jain, Fund Manager, @EdelweissMF at a meeting in Pune.

He explained the entire strategy of Edelweiss Balanced Advantage Fund

Keep reading & Hit the 're-tweet' and help us educated more investors πŸ‘‡πŸ§΅ Image Balanced advantage funds provides an opportunity to capture the upside of market (equity exposure) with protecting the downside (debt exposure)

Edelweiss BAF has a range of 30% - 80% for equity and remaining in arbitrage & debt.

(1/n)
Oct 6, 2021 β€’ 7 tweets β€’ 2 min read
I met a client in May 2018, He invested a decent amount of money along with a five figure SIP.
All the asset allocation was done & goals were in place.

He is a wholesale trader in electronic goods & his business works on credit on both sides (Suppliers as well as customers)

1/n
When lockdown was imposed, All his suppliers demanded advance payment against the goods however the customers (retail traders) were not able to pay advance because even they were impacted by lockdown. The demand was huge but working capital crunch was hitting his business.

2/n
Apr 17, 2021 β€’ 28 tweets β€’ 5 min read
Everything You Need To Know about ETFs, Index Funds & Which one to pick?πŸ€·πŸ½β€β™‚οΈ

A Thread πŸ§΅πŸ‘‡ As the name says, Exchange Traded Fund is just a type of mutual fund that is traded on stock exchange. They trade just like the shares of any company. Eg: Nippon India ETF Nifty Bees is an ETF that tracks Nifty 50. So, when you invest in an ETF, you are investing in an index.
Apr 13, 2021 β€’ 23 tweets β€’ 4 min read
Everything You Need To Know About Index Funds.

A Thread πŸ§΅πŸ‘‡ Let's begin with what is an index. A stock market index is created by selecting a group of stocks that represent the whole market or a specific sector/segment of market.
Apr 8, 2021 β€’ 13 tweets β€’ 3 min read
The most important question an investor faces is what proportion of his money should be in Equity/Debt/Gold/Other assets.

A thread of Strategic Asset Allocation:πŸ§΅πŸ‘‡ Instead of going into a lot of theory, Let's start with an example:

Suppose we have Mr. A as an investor who wants to do an asset allocation. He decides that he wants to have 50% of his corpus in equity, 30% in debt, and 20% in gold.
Mar 18, 2021 β€’ 21 tweets β€’ 4 min read
A lesser-known debt instrument used by Mutual Funds to generate higher returns for investors.

🧡Thread on Securitized Debt:πŸ‘‡ Securitizing refers to creating a debt product by pooling/collecting various types of loans under one bucket and issuing bonds/certificates against these loans.

These certificates have Fixed income like features and risks.

Let us try to understand how they work:
Nov 28, 2020 β€’ 20 tweets β€’ 4 min read
What are dividend yield funds?

A thread πŸ§΅πŸ‘‡

Bonus: Comments on HDFC Dividend Yield Fund (NFO) 1/ NFO: New Fund Offer is like an IPO of Mutual Fund Scheme. The scheme issues units to its subscribers at Face Value which is usually Rs. 10 per unit.
Nov 18, 2020 β€’ 8 tweets β€’ 3 min read
Disregarding probability in decision making is a cognitive bias: Neglect of probability

A Thread πŸ§΅πŸ‘‡ 1/ One way people violate simple rules of decision making is by neglecting the probability of occurrence of a particular event.