Market is again moving up and many investors want to invest in good stocks but don't know how to analyze company's fundamentals.

Let's understand that how we can analyze Balance Sheets in a simple way:

A Complete Thread.

Credit: My Broker who provided me the details

1/8 The balance sheet is one of the three major financial statements.

'At a fixed point of time', it shows a company’s:

▪️Assets: What it owns
▪️Liabilities: What it owes
▪️Shareholders Equity: Its net-worth

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₹ 1,50,000 CRORES LOST

All due to mis-selling of life insurance policies

Here are 5 golden rules to follow while selecting your term insurance plan (bookmark for later)

A Complete Thread ..

(1/7) 1) 3-year Average Claim Settlement Ratio (CSR)

CSR is no. of claims an insurer settles in every 100 claim requests.

Some people look at one year’s CSR & take a call.

But, you need to see a 3-yr average to know if the company is consistent.

Anything above 96% is good.

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Many investors want to invest in good stocks but dont know how to analyze company's fundamentals.

Let's understand that how we can analyze Balance Sheets in a simple way:

A Complete Thread.

Credit: My Broker who provided me the details

1/8 The balance sheet is one of the three major financial statements.

'At a fixed point of time', it shows a company’s:

▪️Assets: What it owns
▪️Liabilities: What it owes
▪️Shareholders Equity: Its net-worth

2/8

An old but interesting thread

10 Clever Personal Finance Rules that will help u save more.

1) Rule of 72
2) 100- Age Rule
3) 50-30-20 Rule
4) 1st Week Rule
5) 6X Emergency Fund
6) 20X Term insurance
7) 40% EMI Rule
8) 2X Savings Rule
9) 3*3*3 Plan
10) 25X Retirement Rule.

1/11 1. Rule of 72

Always wondering when your money will double ?

This Rule will Help !

Simply Divide 72 by your expected Rate of return.
Ex - if a bond is Giving 10% returns,
Divide 72 by 10 = 7.2 Years

Note - This rule provides close but not exact outcome.

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BIGGEST MISTAKE THAT EMPLOYEES MAKE :-

Not getting an individual plan just because they already have corporate health insurance.

Why ??👇

A Thread ...

(1/7) Most corporate plans aren't comprehensive.

They’re pretty generic & don’t cover your specific needs. Often these plans impose restrictions on room rent etc. In fact, they might not even cover expenses like needles, syringes & sterilized injections etc.

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ATTENTION TAXPAYERS

Reduce your taxable income in coming ITR by ₹75,000 under Section 80D by paying health insurance premiums– EVEN IF YOU BUY TODAY!

But- Here are 3 health insurance MISTAKES to avoid👇

(1/8) 1) Avoid Co-pay

If the insurer offers a 20% co-pay clause, it means you’ll pay 20% of your medical bills & they’ll cover 80%.

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This life insurance plan covers you for a sum total of ₹0 !!

What an amazing deal, right?

But, here’s something your insurance agent isn’t telling you👇

(A THREAD)

1/8 I’m talking about ‘Zero-cost’ term plans.

A few insurers give you an option to get back ALL your premiums if you end your plan BEFORE its maturity (for a specified period)

PS this isn’t the same as term plan w Return of Premiums (TROPs) that returns money AFTER maturity.

(2/8)

A few days ago, got the news that Snapdeal has filed DRHP. While many seemed astonished, I was just curious. So I researched & was pleasantly surprised to know lot of things about Snapdeal.

Here's a Complete Thread about my findings : Let's get the first thing out of the way, Snapdeal is not only existing, they have grown at approx 35% Q-on-Q in 2021 & have had 5Cr shoppers since 2019 from which ₹4.2 Cr were from non-metro cities. No wonder my urban friends are clueless as Snapdeal is mainly of/for/by Bharat.

How penny stocks can be rigged-

-Select a dead stock frm a booming sector with very low MCap
-Meet promoter. Convince him to invest for 3x returns in n year
-CMP is 5. Start buying frm mkt
-CMP 7. UC everyday
-CMP 10. Circuit opens
-Sm bad news for panic. Mostly people exit

1/3 -CMP 8. Company clarifies all is well. Stock zooms. CMP 12
-Qtrly results. Sales shoots up, Profit & EPS increase
-Stk is now undervalued at CMP 15
-Promoter is on TV. CMP 20
-Brokerage firms prepare projections. CMP 25
-Co. announces 1st time dividend (May be 10 paisa)

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