Here’s a compilation of Personal Finance threads I have written so far. Thank you for motivating me to do it.

Hit the 're-tweet' and help us educated more investors

Yes Bank’s additional Tier 1 bonds, written off. Lakshmi Villas Banks Tier 2 bonds, written off. Understand what & why of ATI and Tier 2 bonds in this thread.

https://t.co/VBmV2dwpPn (1/n)
'Floating Rate Funds' - A case for debt investing in the current interest rate situation (2/n)

https://t.co/8Ph8x2HfTE
Fixed Income investment strategies

It’s a misconception that FD, RBI Bond, PPF etc have no risk. The reason we don’t see the risk in them is because for us, risk ONLY means loss of capital. (3/n)

https://t.co/VSCLhaUY5O
Index Funds v/s ETFs

While index funds and ETF’s look similar, there are multiple differences you need to keep in mind before investing in either of them. Let me highlight the important ones (4/n)

https://t.co/m0Le7LN3sY
Physical Gold v/s Digital Gold v/s Gold ETF v/s Sovereign Gold Bond (SGB) (5/n)

https://t.co/v9MsmP5YlJ
With Kotak launching its International REIT Fund of Fund NFO, it is worth revisiting our old thread on Real Estate Investment Trust (#REIT). The Idea is to educate readers on REIT & share our view on the Kotak #NFO (6/n)

https://t.co/PMC24u9R26
Alpha is not fund return – index return (excess returns over benchmark), that’s called active returns and not Alpha. Alpha means excess returns over ‘minimum expected returns’ from the fund (7/n)

https://t.co/Rt5ExLrfHD
Parag Parikh Long Term Equity fund will be introducing 'covered call strategy' in the fund. This can be a game changer for the fund in a market that does not steeply go up or moves up gradually or stays sideways or even falls (8/n)

https://t.co/rgPcpvo8dI
There seems to be a fair bit of confusion amongst investors on what’s happening in arbitrage funds. Let me explain the arbitrage space and how it works with MFs. (9/n)

https://t.co/BbixnidRgH
What was the NBFC package by RBI all about and will it help MFs? (10/n)

https://t.co/HQF8mXQC4t
I am afraid that media reporting that FT investors will receive money around the average maturity of the fund may not really work that way. Reports say, if FT Ultra short is 0.62 years Average Maturity, pay back will be roughly 7-8 months, I doubt! (11/n)

https://t.co/n8rVhBOBLi
RBI announced 50k cr Liquidity to the MF industry through banks. How does it work? (12/n)

https://t.co/jvbRjMiCU0
What is Long Term Repo Operation (LTRO) (13/n)

https://t.co/HzZHY261tr
What are #perpetual #bonds (perps) / additional tier 1 capital bonds (14/n)

https://t.co/T3pQwcv4vM
What and how of the National Pension Scheme (NPS) (15/n)

https://t.co/2PtmAUVtST
Liquidity is fueling the stock market rally says everyone. What is this liquidity? How does it get created? How does it fuel stocks, commodities? (Thread) (16/n)

https://t.co/uJ3tCBRhGI
In this #IPO frenzy market, lets talk about some basics around
-Angle/VC/PE
-Allotment process
-IPO Funding
-Grey Market

https://t.co/UEkqws3EVQ (17/n)
In such a low interest rate scenario, what if I tell you, there is a product, which pays 8.5%, tax free, default risk free & also gives you deduction under 80C, would you invest?

Follow this thread on EPF v/s VPF (18/n)

https://t.co/eiTdHXLI34
Markets at 40 PE and yet not falling. How do valuations actually work? A basic premier on valuations for retail investors (19/n)

https://t.co/XGhCR7uWvi
A basic primer on the banking sector, demystifying commonly used terms,
CASA
Wholesale Banking
Net Interest Income (NII)
Cost of Liability
Advances Growth
Gross v/s Net NPA
Provisions
SLR/CRR
Capital Adequacy Ratio
Net Interest Margin (NIM) (20/n)

https://t.co/GCuiG6r2Di
A basic primer on the Indian Paint sector

With the listing of Indigo paints, JSW entering the paint sector & now Grasim announcing to invest 5,000 cr in the sector, lets explore,
-Products
-Industry
-Company (21/n)

https://t.co/ESBPsOggIk
Immediate take aways from the budget 2021 for the tax payers and investors (22/n)

https://t.co/lVjqKhGVrl
A primer on 'Investing in Debt Mutual Funds' for retail investors.

Do hit the re-tweet and help us educate more investors (23/n)

https://t.co/nWo75mu02k
The what, why and how of the new 'Retail Direct' announced by RBI to allow retail investors to directly invest in the G-Sec market (24/n)

https://t.co/LlWQlc2GaR
What is currently happening in the Debt markets?

- RBI announcing 14 days variable reverse repo
- Government talking about 12L cr of borrowing
- RBI announcing 20,000 cr of OMO

Lets demystify! (25/n)

https://t.co/z9tabKUZed
After writing on Banking & Paints, this thread focuses on the 'Logistic Sector'.

This thread covers,
- Macro
- Business Model
- 3PL & 4PL
- Valuation (26/n)

https://t.co/Qxet4dFhvM
Why increase in Bond yields is creating panic in the equity market?

Also, how does Gold generally react in such times? (27/n)

https://t.co/lNxju73EEV
Trying a YouTube video instead of a thread this time.

Topic - Invest in Passive at market bottom & active strategies at market top.

Video Link - https://t.co/T41hg1esOG (28/n)
Personal Finance 101 - All my learnings from the mistakes I made & see investors make. (29/n)

https://t.co/LA2G5jDLG2
Not sure of how will the Debt mutual funds react to the change in valuation rules of AT1 & Tier 2 bonds and what should you do? (30/n)

https://t.co/C0vB5osREU
A primer on small saving schemes (31/n)

https://t.co/Tq9gFx4TVm
What are covered bonds? (32/n)
https://t.co/u8DyN5gtAb
A primer on InvITs (33/n)

https://t.co/WLgemQ32kN
A primer on the sugar sector. How it works, global perspective and what to look for in the sugar companies (34/n)

https://t.co/3yrADkxKQe
A primer on the Steel sector (35/n)

https://t.co/b4h5nsceG5
What are fund of fund (FOF) schemes in a mutual fund, types, taxation and valuations (36/n)

https://t.co/rqnhXt1wkW

More from Kirtan A Shah

More from All

How can we use language supervision to learn better visual representations for robotics?

Introducing Voltron: Language-Driven Representation Learning for Robotics!

Paper: https://t.co/gIsRPtSjKz
Models: https://t.co/NOB3cpATYG
Evaluation: https://t.co/aOzQu95J8z

🧵👇(1 / 12)


Videos of humans performing everyday tasks (Something-Something-v2, Ego4D) offer a rich and diverse resource for learning representations for robotic manipulation.

Yet, an underused part of these datasets are the rich, natural language annotations accompanying each video. (2/12)

The Voltron framework offers a simple way to use language supervision to shape representation learning, building off of prior work in representations for robotics like MVP (
https://t.co/Pb0mk9hb4i) and R3M (https://t.co/o2Fkc3fP0e).

The secret is *balance* (3/12)

Starting with a masked autoencoder over frames from these video clips, make a choice:

1) Condition on language and improve our ability to reconstruct the scene.

2) Generate language given the visual representation and improve our ability to describe what's happening. (4/12)

By trading off *conditioning* and *generation* we show that we can learn 1) better representations than prior methods, and 2) explicitly shape the balance of low and high-level features captured.

Why is the ability to shape this balance important? (5/12)

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Oh my Goodness!!!

I might have a panic attack due to excitement!!

Read this thread to the end...I just had an epiphany and my mind is blown. Actually, more than blown. More like OBLITERATED! This is the thing! This is the thing that will blow the entire thing out of the water!


Has this man been concealing his true identity?

Is this man a supposed 'dead' Seal Team Six soldier?

Witness protection to be kept safe until the right moment when all will be revealed?!

Who ELSE is alive that may have faked their death/gone into witness protection?


Were "golden tickets" inside the envelopes??


Are these "golden tickets" going to lead to their ultimate undoing?

Review crumbs on the board re: 'gold'.


#SEALTeam6 Trump re-tweeted this.
Tip from the Monkey
Pangolins, September 2019 and PLA are the key to this mystery
Stay Tuned!


1. Yang


2. A jacobin capuchin dangling a flagellin pangolin on a javelin while playing a mandolin and strangling a mannequin on a paladin's palanquin, said Saladin
More to come tomorrow!


3. Yigang Tong
https://t.co/CYtqYorhzH
Archived: https://t.co/ncz5ruwE2W


4. YT Interview
Some bats & pangolins carry viruses related with SARS-CoV-2, found in SE Asia and in Yunnan, & the pangolins carrying SARS-CoV-2 related viruses were smuggled from SE Asia, so there is a possibility that SARS-CoV-2 were coming from