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Let’s view India as Investors view it. 🇮🇳 It’s all about helping YOU build wealth. 💰 (We’ve got a lot more, but not here! 🤫) #FreedomIsCalling
Rahul Saigal Profile picture 1 subscribed
Nov 13, 2023 • 17 tweets • 5 min read
Many retail investors believe high PE carries risk. So they go for low PE stocks, assuming they are undervalued.

What they don't understand is that a stock's current value reflects the company's future growth. 📈

Confused? 🤔

Here is a must-read thread for you 🧵👇 Please keep in mind that the examples used in this thread are solely for the purpose of illustrating how market values stocks, and no stock recommendations are being made here.

Now, let's discuss Aditya Birla Fashion and Trent. 👇
Oct 6, 2023 • 6 tweets • 1 min read
Termites ate cash worth ₹18 L 😱

A woman in UP kept ₹18 lakh in her bank locker, saved for her daughter's wedding.
When she checked, the money had turned to dust, consumed by termites.

Will she get back her money? 🤔 Image Simply put- NO!

The RBI advises customers to use lockers for keeping valuable items like documents and jewelry but not
Nov 24, 2022 • 8 tweets • 3 min read
Hospital chain with an industry-high operating margin of 30%


A thread on why we do not recommend the stock ⤵️ Krishna Institute of Medical Sciences (KIMS) is a multispeciality hospital chain dealing in cardiology, oncology, neurology, etc.

#business #sonacoms
Nov 22, 2022 • 7 tweets • 2 min read
⚙️ Sona Comstar

India's market leader in auto motors, gears and a bet on the rise of EVs globally

A thread on why we still did not recommend the stock ⤵️ Sona Comstar is an auto ancillary company that supplies gears and motors to auto companies in India, North America, Europe, China, etc.

#business #sonacoms
Nov 14, 2022 • 8 tweets • 2 min read
Why we liked Apollo Pipes but never recommended it?

✅ > 20% revenue 5yr CAGR, highest among top five peers

❌ Operating margin of 12-13% as compared to industry's 16-17%

More reasons in this thread ⤵️ ✅ Company increasing its revenue share from high growth and high margin CPVC pipes

❌ Faces stiff competition from bigger players eyeing the CPVC market like Astral, Prince, etc

Nov 12, 2022 • 8 tweets • 3 min read
Why we liked Amara Raja Batteries but never recommended it?

✅ India's 2nd largest mfg. of lead-acid batteries, mostly used in vehicles; but...

❌ No usage in electric 2w & 3w and rising env. concerns regarding lead batteries

More reasons in this thread ⤵️ ✅ With $1Bn capex, expanding to Li-ion batteries that are preferred for EVs

❌ Li-ion batteries require much more techno-chemical expertise and new ways of mfg., unclear if Amara can imbibe

#ElectricVehicles #vehicles
Oct 31, 2022 • 8 tweets • 3 min read
6 simple money-saving hacks no one told you ⤵️

#MONEY #investing 1) The Envelope Method

When you receive your salary, decide your savings target and withdraw the rest in cash. Store this cash in separate envelopes marked with different heads of expenses.

This will serve two purposes 👇

Aug 27, 2022 • 14 tweets • 3 min read
All you need to know about Senior Citizens Saving Scheme" (SCSS) 👴⛱️

- Min & Max Deposit
- Interest Rate
- Tax Benefits
- Eligibility Criteria
- Maturity Period
- Withdrawals

A Thread 🧵 ◉ SCSS is a government-backed retirement savings plan.

The scheme allows eligible investors to invest a lump sum amount of money and offer a regular income to the investor post retirement as well as decent tax benefits.

#investing #retirement
Jul 27, 2022 • 16 tweets • 3 min read
8 Dangerous Retirement Myths that can ruin your Golden Years 👵⛱️

#investing 1) Too early to start saving in your 20s

It’s a general myth that it’ll be easier to save money for retirement later in your careers rather than now,

People think that since salary is low at the beginning it would be better to contribute bigger amounts when the salary increases
Jul 26, 2022 • 6 tweets • 2 min read
Factors That Impact Home Loan Eligibility 🏡

• Credit Score
• Debt
• Income
• Age

Let's discuss them in detail ⤵

#business #stocks 1️⃣ Credit Score

A good credit score can expedite your loan acquisition process and afford you lower interest rates.

A credit score of 750 is considered ideal, and possessing this score or higher can get you the aforementioned benefits.
Jul 26, 2022 • 8 tweets • 2 min read
5⃣ Smartest things to do with your Bonus?😎

- 30% - Investments
- 20% - Paying off debts
- 10% - Invest in yourself
- 30% - Rainy Day
- 10% - Treat yourself

Let's understand each of these points in detail⤵️ Most people tend to blow up their bonuses on shopping & travelling.

While you are entitled to your share of fun, seriously look at your bonus money to contribute something useful towards your future self & ripe the benefits of capital appreciation.
Jul 18, 2022 • 25 tweets • 4 min read
Avoiding these 10 common Income Tax Return (ITR) filing mistakes can help you save lakhs!! 💰

A detailed thread 👇

#tax #investing 1⃣ Missing The Due Date For Filing Returns

File your tax before due date to avoid these penalties

- A late filing fee of up to Rs. 10,000
- A penal interest rate of 1% per month will be charged on any unpaid taxes
- Delay in receiving a refund on any excess tax paid
Jul 16, 2022 • 6 tweets • 1 min read
Things to Consider Before Choosing an Insurance Plan 📜

A Thread! 🧵

#insurance Third-party insurance is compulsory in India, but you can buy comprehensive car insurance. It covers much more than accident and theft damage.

Hence, we suggest going through the available plans at your disposal before selecting one.
Jul 15, 2022 • 11 tweets • 2 min read
8 Key Factors to compare while selecting a Mutual fund 🔎

A detailed 🧵

#investing 1) The Fund Characteristics

Before investing in any fund, you must first identify your goals for the investment. For long term goals like goals which have a horizon more than 5 years, one can take equity exposure but for short & medium term goals, you should stick to debt plans
Jul 14, 2022 • 7 tweets • 2 min read
Types of Tax Credit 💸

• Income Tax Credit
• Input Tax Credit
• Child Tax Credit
• Foreign Tax Credit

But What is Tax Credit? Let's Find Out ⤵

#business #stockstowatch Tax credit is the sum that allows certain assessees to offset their taxes Rupee by Rupee, thereby reducing the overall local, state or federal tax liability.
Jul 13, 2022 • 12 tweets • 3 min read
5 Money Lessons from Indian Mythology 🧿

Here's a thread ⤵️

#HappyGuruPurnima 1. Knowledge is Wealth 📚

As per Indian mythology, Laxmi ji – the Goddess of Wealth, stays with a person only if he/she worships Saraswati ji – the Goddess of Knowledge.

It means that if a person has the right knowledge, wealth will follow you.

Jul 13, 2022 • 10 tweets • 3 min read
Your car insurance is about to get cheaper 🚗

P.s: Not if you are a rash driver!

Read this thread to find out 👇 The insurance regulator IRDAI has introduced the New Car Insurance Plan, where insurance premium will be based on your usage & driving behavior.

Jul 12, 2022 • 10 tweets • 4 min read
4 Common Mistakes to avoid while investing in Mutual Funds in a volatile market 🚫

Retweet (🔃) to spread awareness.

#investing #stocks 1) Sector-specific bets 📍

In bull market, it may seem unwise to diversify your portfolio, when you are seeing some segment of the market is performing exceptionally well, but one gets the importance when the tide of the sector goes out and the prices start tumbling.

Jul 7, 2022 • 9 tweets • 2 min read
Top 5 Angel Investors in India 💸

• Kunal Shah
• Rajan Anandan
• Anupam Mittal
• Kunal Bahl
• Ramakant Sharma

But why is it called Angel Investing?

Let's Find Out ⤵ The term comes from the days when big theatres in the USA used to get monetary help from wealthy individuals to run the theatres and their operations.
Jul 6, 2022 • 6 tweets • 2 min read
Non-subsidized LPG Cylinder Price🫕

Year Price
2013 Rs 1031
2014 Rs 1080
2015 Rs 610
2016 Rs 514
2017 Rs 738
2018 Rs 689
2019 Rs 702
2020 Rs 806
2021 Rs 819
2022 Rs 1053

But, how is the price calculated?

Let's find out⤵️ LPG pricing in India is done on the basis of a formula: Import Parity Price (IPP)

The IPP is determined based on gas prices in the international market, as a major portion of India's consumption is satisfied through imports.

But, how is IPP calculated? 🤔

Jul 6, 2022 • 13 tweets • 3 min read
10 Powerful Thumb rule of Personal Finance - Everyone Should Know ⤵️ 1) Rule of 72

The formula estimates the amount of time it takes for an investment to double in value, earning a fixed annual rate of return.

If you earn 6% on your investment annually it will take (72/6=12) 12 years for your investment to double.