Value Fund
Definition of Value Fund remains same across all AMCs – “invest into undervalued stocks”
If so, why there is huge difference in returns in last 1yr?
Top2
DSP: 0.41%
ICICI: -0.38%

Top2 from bottom
Quant: -21.86%
JM: -18.69

Lets check their top holdings stocks.🧵👇 DSP Value Fund top 15 holdings👇

a kya ho raha hai, Motilal Oswal Funds me?
Motilal Oswal Flexi-cap, 1 Year Returns: 53.71%
Thread🧵⤵️ Motilal Oswal Mid-cap, 1 Year Returns: 64.91%

How Mutual Funds have performed from 2019 - 2023 (yr wise data).
It will give us very good insight on sectors, themes.
Thread🧵👇
Pharma Funds: FMCG Funds:

There are 120 Index Funds.
Read below detailed thread on 15yr to 1 yr returns.
The below data should help Index Investors.
⍣HDFC, ICICI & UTI Nifty50 have done exceptionally well.
⬇️↓⇟⬇️🧵
15 yr returns⤵️ 10 yr returns⤵️
⍣Cheers to Next50 Index Funds

Common Sense & Simple Investing!
It’s not necessary we need sound fundamental & technical skills to build a portfolio. Sometime common-sense & doing simple things does help create Wealth.
Very Importantly Behavioural Skills.

My investments in ‘Direct Stocks’ is 90-95% though I keep writing about Mutual Funds.
My expectations from this portfolio is 20-25% only.
Here are the list of my stocks in alphabetical order: Bank of Maha.
Triggers:
»Undervalued PSU Bank
»NPA's cleaned
»Recapitalization
»Growth Plans

Systematic Withdrawal Plan (SWP) as a Pension Tool.
More realistic nos.
At 23 yr, I
SIP in Mutual Funds: Rs 2,500
Annual Increment: 15%
Duration: 25 yr
Conservative CAGR: 12%

Corpus at the age 48yr: 1.7 Cr
Lets see if I do 1.5 Cr SWP in below BAF
(20L - Taxes)
🧵⤵️ Monthly withdrawal is 8% of the corpus. Slightly on higher side.
For those who are concerned about inflation, every 2-3 yrs you can increase withdrawal. Just that reminder will be reduced.

Fund1: HDFC Balanced Advantage Fund
Withdrawal/ Month: 1 Lakh
Duration: 20 yr

Few argued earning 15% CAGR in Mutual Funds is difficult.
here is the 10 year data for↴
⓵Flexi-cap
⓶Mid-cap
⓷Small-cap
The returns range between 15% & 28%.
Index Investors can you counter it with data🙂?
🧵⤵️ "Flexi-cap"

2nd SWP (Systematic Withdrawal Plan) thread on conservative withdrawal.
Lumpsum: 1 Cr & 50 Lakh
Time Frame: 12yrs
Withdrawal %: 6%

Assumption: have own house, kids are settled & they are moving partial savings in SWP.
I am picking funds randomly. No Discrimination.
Lets go⤵️ Flexi-cap: DSP
Pic1: 1 Cr, 50K/ mth, Corpus after 12 yrs: 2.8 Cr
Pic2: 50L, 25K/ mth, Corpus after 12 yrs: 1.4 Cr

Detail thread on SWP.
SWP – Systematic Withdrawal Plan.

Please like & retweet. Lets learn together.
⤵️⤵️ 🧵🧵 Why we need SWP?
Post retirement for regular income we depend on the following:
Pension
Bank Interest
Rental Income
Kids take care of our expenses.

Few greedy & risky retired people lend money for 2% & live their retired life.

Pure Term Insurance Premium is not expensive.
"Please research & start early"
I found this Term Insurance Calculator by ET.
Eg:
Age: 30 yr
Liabilities: 65L
Retirement Age: 60 yr
Net Salary: 25L
Savings: 5L

Its recommending 4.35 Cr of Term Insurance - I feel its on higher side.. ET Link:
etmoney.com/tools-and-calc…

Do you track Portfolio XIRR, which captures the below data⇟⇟
⇴Buy
⇴Sell: Profit/ Loss
⇴Dividends: Net Taxes
⇴Multiple Accounts Transction
⇴TDS & Advance Taxes to be paid
⇴Adv taxes paid to Govt on dividends

Here is the template in Excel Format⬇️ This is how it looks:
Sample Portfolio⬇️

"Tata Communication"
Their products & services offerings are into:
Enterprises
Service Providers
OTTs (Hyperscale Cloud Providers)

Disc: Invested
Source: AR
🧵👇 Enterprises
Tata Comm a key digital enabler helping enterprises in their digital transformation
by enabling - workforce collaboration, mobility & extend omni channel access to end users.

Targeted Verticals: Media, Cloud Service Providers, Automotive & Telematics..

United Spirits' Management Views on Indian Spirit Industry..
Source: AR ~2021-22
If you are bored to read 275 p AR, enjoy reading the below thread👇🧵

Disc: Invested & Increased Allocation India is one of the fastest growing liquor markets in the World.
Ave intake of alcohol is v low compared to USA & other EMs. Change in lifestyle, aspiration & increase socializing does increase per capita consumption in future..

How to track your Portfolio's XIRR using MS- Excel.

Why XIRR - determine the performance of an investment over a time period lets say 2, 5 & 10 yr.
⪀if your PF doing better than best Fund Mgr's PF
⪀equity is the best asset-class
etc
🧵⬇️ What is XIRR & how its different from CAGR⬇️

As our investments are random, monthly, qly or yearly - XIRR is the right tool to measure the returns.

Watch the below video:

⪀ Compilation of my 'Twitter Threads'⧭⧭
(picture source: web.dev) 1. Mega 🧵 on 'Wealth-Creation through Asset Allocation'⇟⇟
(40 tweets)

https://twitter.com/Kiran24Rajput/status/1492517120122699779?s=20&t=q0BE3P_UZsg_cLLWSINS6w

"Beginners"
How to build a Corpus of 1 Crore net of inflation via SIPs by 35 yr of age⇣⇟
Picture Source: /economictimes.indiatimes.com 2. Prerequisites
Focus on Career Growth, building functional & interpersonal skills
Climb-up the career ladder
Strive for better salary & RSUs/eSOP
Build your own Brand & Equity
Buy a Term Insurance
Buy enough medical insurance outside your office.

/screener.in is a 'Gold-Mine' you dont have to search for stock ideas else-where.
There are ready-made "Popular Stock Screens" available🧵⇣⇟⇣
1/15 2. The Bull Cartel Companies with a good quarterly growth. Specially made to keep a track of latest quarterly results.
👇
screener.in/screens/1/the-…

Asset Allocation 3.0
'Wealth Creation through Asset Allocation'
🧵👇
1/25
(Part1)
Picture Source:
thekickassentrepreneur.com/wealth-buildin… 2
Definition
Asset- Class: 'Its an instrument available for your Income savings to invest & compound over a period of time'

Asset- Allocation:
'Asset allocation is the process of investing across diversified - Asset Classes'

"Mutual Fund"
Is a good instrument to invest in Stock Market without worries & efforts, if your expectations are 15-20%

If you have knowledge, invest directly, visiting Fund House Portal
If you r lazy & dont have knowledge take help of a "smart" distributor
🧵1/15👇 There are 2,500 Mutual Funds.
What is important for investors are:
'Hold Duration & Returns Only'

Things like Theme, Sectorial, Small, Mid & Large-cap etc etc may not be relevant. Just buy Flexi!
I will support my claim with data later🤞
2/

Today I paid my last EMI to "LIC HFL" for the loan availed 10 yrs back to purchase 2 sites at Ur Castle, Jigani Area, Bengaluru.

I dont have intent to get my "original site-documents" from LIC Housing Finance.

Reason🧵👇😭
1/15 2/Loan Details:
Loan No. 411800000232
Area: Koramangala, Bengaluru

The loan availed was a partial loan to buy 30*50, 2 sites, the rest I paid from my savings.

*IRCTC Cool😎 Facts 🧵👇*

⓵IRCTC’s next-generation e-ticketing system can book 7200 tickets per minute
⓶IRCTC booked just 27 tickets on the first day when it was launched in 2002
⓷ 42% of customers pay for IRCTC booking through Internet banking ⓸ IRCTC is one of the most visited websites of India and is maintained and developed by Centre for Railway Information Systems (CRIS)
⓹ IRCTC Algo ~ If u are a female and you are booking a seat through IRCTC then u do not have to worry about being stuck with 5 men & being alone