Trader, Investor & Homemaker, Mother of three. Part of Uttam Traders Academy
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Feb 24, 2023 • 25 tweets • 5 min read
Complete Financial Plan for a 35-year-old working professional Indian middle-class adult.
Disc : I am not a registered Financial Analyst. This plan is result of my studies & knowledge acquired from various sources. #threadbytradersushma #financialplanning #financialliteracy
Some assumptions ~
🔹Since he has been working for > 5 years, he must have saved enough to cover his emergency needs. (approx. 6 months’ salary equivalent amount in FD)
🔹He must be married & have kids by now.
🔹He must have availed housing loan.
Feb 20, 2023 • 20 tweets • 5 min read
Complete Financial plan for a 25-year-old working Indian urban youth.
As soon as u starts earning, start planning to build for an emergency corpus. This may be in the range of your 6-12 months’ salary.
What to do?
Start a recurring deposit in your bank a/c for 20% of your salary.
Nov 26, 2022 • 20 tweets • 4 min read
📖OPTIONS KI PAATHSHAALA📖
Thread on ~
📍 Option Price & its Components 📍
#threadbytradersushma #OptionsTrading #StockMarketindia
The price of an options contract is known as the option PREMIUM, which is the amount of money that the buyer of an option pays to the seller for the right, but not the obligation, to exercise the option.
(src:investopedia)
Nov 20, 2022 • 5 tweets • 1 min read
Biases That Affect How You Trade Your System
(curated from "Trade your way to Financial Freedom" by Van Tharp)
1. Gambler’s Fallacy Bias
People assume that the probability goes up for a win after a long losing streak or up for a loss after a long winning streak.
2. Conservative-with-profits-and-risky-with-losses Bias
People want to take profits quickly & give their losses some room. This gives them the illusion of being right, but what they are really doing is cutting their profits short and letting their losses run.
OI indicates that contracts have been traded but not yet liquidated by an offsetting trade or exercise.
Nov 18, 2022 • 12 tweets • 4 min read
U r a high income earner but unable to escape your corporate shackles in spite of actively working > 20yrs.
WHY?
Lets delve deep & do some introspection.
#threadbytradersushma #financialfreedom #booktwt
Here's list of 25 questions u can ask yourself to actually know what went wrong in your financial planning. Answers to these might open doors to financial awakening!
Curated from the book “The Millionaire Next Door"
Jul 6, 2022 • 21 tweets • 5 min read
The dark side of Total Expense Ratio in Mutual Fund industry
It is the ratio of total expenses incurred by an AMC divided by its total asset under management. It represents per unit expense of an AMC. 2/21
Jul 4, 2022 • 11 tweets • 4 min read
There’s a person who has a respectable corporate job, decent earnings, nice family & some good savings kitty parked in FD which he wants to invest in equities now. But he's lacking in financial knowledge & has no time for market research.
Then there’s a full-time trader. All his working hours are dedicated to equity market research, trading & investing. He daily monitors the market, news flow & has good technical & fundamental know how.
Jun 26, 2022 • 12 tweets • 5 min read
How I learnt Personal Finance by myself?
A Thread🧵 #threadbytradersushma #personalfinance#financialeducation#weekendreads
I got introduced to Personal Finance by ET Wealth in 2012. It was a special magazine issued by Economic Times on Wednesdays dedicated specially to this topic. It created such an interest in me that I could not wait for the next edition.
May 14, 2022 • 11 tweets • 3 min read
⚡️ Full Time Trading vs Corporate job ⚡️
A Mathematical investigation!
I see lot of fintwit debating over full time trading vs job. Let me dive deeper to this topic & present u some facts & figures over this issue.
DIVIDEND PAYOUT RATIO & RETENTION RATIO
The dividend payout ratio (DPR) is the ratio of total amt of dividends paid out to shareholders relative to the net income (earnings after tax & interest) of the company.
It is % of earnings paid to shareholders via dividends.
✅To attract investors & increase the value of their stock.
✅To reassure investors about the companies financial health.
✅To increase the investors’ confidence in the companies ability to generate earnings.
Jan 30, 2022 • 34 tweets • 7 min read
⚡️FINANCIAL THRILLER⚡️
Story of an Indian-origin British trader who made fortunes by trading from his childhood bedroom until he was accused of helping to trigger the flash crash of 6th May 2010 in US Markets.
--- NAVINDER SINGH SARAO ---
A Thread ( Spoiler alert ~ large 🧵)
2/n
Story of Navinder is a real-life Financial Thriller, who was held responsible for FLASH CRASH, the fastest drop in the US market history on 6th May 2010 when the Dow Jones Index crashed up to 9% within mnts only to rebound quickly. He was arrested & punished later.
Jan 9, 2022 • 18 tweets • 4 min read
Is Positive Expectancy of a System sufficient data to determine whether the system is successful or not ?
What else to check besides the expectancy of a system ???
I came through this technique while reading this extraordinary book called
“Safe Strategies for Financial Freedom” by Van K Thorpe. 2/n
Nov 21, 2021 • 6 tweets • 1 min read
🌿LIFE INSURANCE POLICY🌿
Some hard facts one should be aware of.
The only Life Insurance Policy is “Term Policy” where u get a lump sum for the price of the premium paid. All other bundled policies are scam. They neither give good cover not good returns.
Whenever these bundled policies are sold, they are marketed as “Invest Rs 50,000 per year for 10 years & u will get back Rs 7.5 lakhs after 15 years.” Here the cover will be for mere Rs 5 lakhs & the return on so called investment is merely 4%.
I shall be giving a copy of the following book as free Giveaway gift.
"RICH DAD POOR DAD"
The most iconic, talked about & read book on Financial Freedom ever written. @theRealKiyosaki
🔸Offers starts today & ends on 6th Nov.
🔸India only
🔸Previous winners not to be included in lottery.
To participate - 1. Retweet the 1st post of this #freebookgiveaway & 2. Go through my timeline & retweet any of my threads which u liked the most.
FF is a stage in your financial journey of life where your Passive Income exceeds your living expenses. In other words, you don’t need to pursue active job to afford your expenses.
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