Most high earners are ignoring the one investment that's quietly beating debt funds with zero risk

Your PF might be the best debt play right now → here's the math you've probably missed Most people think the best debt investments are:

- Debt mutual funds
- Bonds
- Fixed deposits

But there's one asset giving equity-like returns with government bond safety

And you're already invested in it.

I just spent 3 hours analyzing JioBlackRock's new fund launch.

What I found is both exciting and concerning.

Here's the honest breakdown most people won't tell you: First, let's talk about scale...

BlackRock manages $11.5 trillion globally that's almost 4x India's entire GDP

Imagine having access to the same technology & research that moves global markets that's what you're getting with this fund

I've spent ₹1 CRORE on rent in 10 years...
And I'd do it again.

As a multi-millionaire, I could write a check for a ₹5 crore house TODAY. But I won't.

Here's why: Renting made me ₹3.1 CRORES richer than buying would have.

Yeah, you read that right. The Math Everyone Ignores:

India has the most expensive real estate in the world (15-20x annual income vs 5x globally)

That ₹1 crore house? You're actually paying ₹2 crores to the bank.

Within the first year alone, you lose ₹20 lakhs. And that's just the beginning...

The diamond industry has a 30% markup most people don't know about.

I discovered this while helping a friend research engagement rings.

Here's the insider trick that saves you ₹1-2L on the exact same diamond: Two identical diamonds sitting in front of you.

Same sparkle, same clarity, same cut.

One costs ₹3L. The other costs ₹4.3L.

Which one would you pick?

Most people dump all their stocks in 1 demat account & wonder why they're paying so much tax.

Here's a simple strategy that can save you thousands every year (a thread) 🧵 The problem: You buy 1000 shares of Stock A at ₹100 for long-term investing.

Later, you buy 500 more at ₹150 for short-term trading

When you sell those 500 shares at ₹200...

Trump's H-1B changes will trigger a ₹25,000 crore financial crisis in India that NO ONE is talking about.

While everyone debates immigration, a massive loan default tsunami is building.

Here's the hidden economic bomb about to explode: 🧵 The numbers are brutal:

→ H-1B IT workers: 32% (2003) → 65% (2024)
→ US computer science grad unemployment: 7.5%
→ Indian students with US education loans: 70-80% of lender portfolios

Most people think this is just about visas. They're missing the financial destruction.

Most retail investors think stock market = NSE and BSE.

But there's a parallel universe of unlisted shares that 99% don't know about.

Here's what the middle class needs to know about grey market investing: 🧵 Think about it: wouldn't you have loved to own Zomato stocks before they went public?

You actually can. It's called grey market investing.

The government is about to lose ₹48,000 crore.

Most people think this is BAD news.

Here's why they're completely wrong (a thread that'll change how you see GST 2.0) 🧵 GST 2.0 launches September 22.

The biggest tax reform since 2017.

Current GST: 4 confusing slabs (5%, 12%, 18%, 28%) New GST: Just 2 simple rates (5% and 18%) + 40% on luxury & sin goods

The middle class has been waiting for this moment...

Income Tax Department recently issued 1,00,000 notices for mis-reporting and not filing income taxes🤯

🔸When do you need to file Income Tax returns?
🔸How to save maximum taxes?
🔸How to avoid severe penalties?

Everything answered. [A thread...] [1] Who is required to file an ITR?

Many people confuse that if their income during the year is less than ₹2,50,000, they need not file an ITR

However, there are certain other conditions also. Read this by ET👇

If you still don't file, be ready to get served with a notice

A Bglr based IT professional got summoned from Income Tax for not reporting €22 balance in his German Bank a/c🤯

ITR filing season is here. Such mistakes can cost you ₹10,00,000 & even imprisonment of up to 7 yrs under Black Money Act🔻

Top 5 mistakes to avoid. A thread🧵👇 [1] Wrong ITR form

🔸Filing a wrong ITR form might make your ITR defective

🔸You need to file ITR 2 if you held US stocks even though you made just salary income

🔸A defective return leads to loss of income tax deductions or carry forwarding of losses for future set-off

While invoice discounting is a win-win for both the businessman and investor, it comes with its own set of risks🔻

With the rising interest in this alternate investment amongst people, it is important to know about it.

A thread🧵👇 [1] How Invoice Discounting Works?

In simple words, invoice discounting is a way for businesses to generate liquidity for day-to-day operations.

Let's understand this with an example

🔸 Imagine you are a shoe manufacturer and make shoes for Bata

Contd..👇

Divorce rate has grown at a pace of 50-60% in the last 2 years in India📈

Experts say that alimony can be as high as 33.33% of your NET Worth🔻

Here's how you can protect your wealth in case of a Divorce👇 [1] Private Trusts

Under the Indian Trusts Act, 1882 any Indian can form a private trust irrespective of his/her net worth🤝.

But forming a trust involves a lot of time and costs. Hence, it is often used by the HNIs for safeguarding their assets.

55% Indians feel that lack of vacations affects their productivity🔻

Taking a break from work can reduces chances of burnout💪

And help you save taxes also💸

Here's how🧵👇 [1] Long Working Hours

🔸This generation of Indians spends more time on our job than ever

🔸In fact, our working hours are even more than the Japanese

🔸I myself used to work more than 100 hrs/week at KPMG and used to feel the need for a vacation after a while

But..👇

Electricity cost to households has gone 3-fold in the last decade📈

Using solar energy can get you massive savings on your electricity bill💸

A thread🧵👇 [1] Rise in Consumption

Let us first understand the problem!

🔸Going forward, if we produce electricity using non-renewable sources, bills are going to go up

🔸Moreover, energy consumption in India went up by 8% YoY in Feb’23⚡️

🔸In March, India consumed 127.52 Bn units📈

Lakhs of investors lost money in the real estate market in 2010s to delayed projects📉

What if I tell you:
👉There is a SEBI Regulated entity;
👉That invests across various projects after diligence by professions; and
👉Let's you make regular income?

All about REITs🧵👇 [1] What are Real Estate Investment Trusts (REITs)

REITs are a way for investors to invest in Real Estate and enjoy cash flows without the hassle of:

👉Buying property & doing paperwork;
👉Managing it; and
👉Finding sellers/buyers whenever required.

Discussing key benefits👇

Were you shocked to see that your first salary of FY24 got short-credited?🤔

It is because the Old Tax Regime might be more beneficial, but you didn't inform your employer

Here's how you can choose whether to go ahead with Old or the New Tax Regime👇 [1] How to choose?

Deductions are available in Old Tax Regime but tax rates are also higher

New Tax Regime has lower tax deductions with lower tax rates until ₹15 Lakhs of income

So, the choice will depend on the deductions available to you in the old tax regime

Using Credit cards can potentially save you ₹10,00,000+ 📈

Here are 10 ways to save and make money using credit cards 👇 [1] Sign-up bonuses

Many credit cards offer sign-up bonuses when opening a new account & spending a certain amount within the first few months

These bonuses can range from cash back to points that can be redeemed for travel or merchandise

42% of Indians have experienced Financial Fraud in the last 3 yrs 🤯

The average Victim loses around ₹15,334

What's worse, 74% of those affected couldn't recover their money

So here's how you can avoid falling victim to such scams. A thread🧵👇 [1] Loan app fraud

🔸Fraudsters create fake loan apps with low-interest rates to scam people

🔸They collect personal & financial info to use for siphoning off funds or to blackmail victims with morphed photos

🔸They can make profits as high as 2100%

You delay learning about finance because it's tough🔻

Here are some basic rules to start with💸

No fancy financial jargon or complicated formulas!

A thread🧵👇 [1] Rule of 72

Divide 72 by your expected ROI & you'll get the no. of years required to double the money📈

🔶At 6%, it'll take 12yrs (72/6)
🔶At 8%, it'll take 9yrs (72/8)

This Rule applies to compounded int. rates & is reasonably accurate for ROI within 6-15%

Its year end and you're looking for tax saving options💸

PPF is good and stable but the lock-in is up to 15 yrs🔻

Here are some stable tax-saving options if you need money within 5 years. A thread 🧵👇 [1] What is 80C?

It is a benefit under the Income-tax Act

Which allows taxpayers to reduce their taxable income through:
🔶Certain expenditures
🔶Investments in certain instruments

Up to a maximum deduction of ₹1.5 Lakh in any year

A bad credit score can cost you in Lakhs🔻

With a credit score of 750+, Home Loan will cost you 9%📈

If your score is <650, you pay 10.5%, or even more📉

This makes you pay ~₹24 Lakhs on a 20yr loan of ₹1 Cr

Top 5 things to boost your Credit / CIBIL score. A thread🧵👇 [1] Repayment History

Missed paying:
🔶 An EMI?
🔶 Credit card bills on due date?

Or just paid the minimum balance?

The banks know it all!

Missing these payments can adversely impact your credit score

Your history gets highest 30% weightage in CIBIL score calculation