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What to do when u first save money?❓

Do u straight away invest in equities/shares?🤔

A simple thread🧵explaning how u can systematically create a structured portfolio on ur own.

Hit "Retweet" to educate maximum retail/small investors

Lets go👇

(1/14)

 Step No 1.-

Golden Rule of Finance-

Expenses=Income-Saving

🧪In the starting years as an investor save as much as u can.
🧪Cut down as much as u can on discretionary spending.
🧪Initial years are tough as capital comes in slowly and seeds for compounding are being laid

(2/14)
Step No 2:-

Buy a health insurance:-

Health insurance will protect your portfolio against undue shocks of unforeseen hospitalization

A detailed review of how to buy health insurance is here👇:-

https://t.co/2vsWcH1ZZE

(3/14)
Step No 3:-

Buy a Life Insurance(If required):-

Evaluate the need for life insurance.

If need be buy a term plan.

A detailed review of how to buy life insurance is here👇:-

https://t.co/3Q0bwfqVZM

(4/14)
Step 4:-

Evaluate ur life goals

Goals can be:-
🧪Retirement
🧪Buying a house
🧪Child's Marriage
🧪Child's Education

Evaluate the year in which the goal will be achieved with the amount of estimated amount

(5/14)
Step 5:-

Evaluate ur Risk Profile:-

Create a statement of asset and liability

Based on how aggressive of ur goals....evaluate how much risk u can really take.

U can also approach various financial planners to evaluate ur risk profile.

(6/14)
Step 6:-

Create an emergency corpus:-

Emergency corpus helps u fight against any unforeseen emergency that may require financial assistance.

Deploy the fund in fixed deposits or debt mutual funds

(7/14)
Step 7:-

Asset Allocation:-

Based on ur risk profile create a % allocation to

1. Equity
2. Debt
3. Real Estate
4. Gold.

A detailed thread on how to go about asset allocation here:-

https://t.co/nRXioviFy6

(8/14)
Equity:-

🧪Create the desired allocation to equities as part of asset allocation
🧪If u do not know how to analyze shares do not go direct equities and invest in mutual funds
🧪Create a mixture of index funds+active funds
🧪SIP a mutual fund for 10 years at least.

(9/14)
🧪When going direct equity...do not take advise from social media like youtube/twitter.
🧪Constantly evaluate ur portfolio 3-6 months to make sure the portfolio is going in the right direction.

(10/14)
Debt:-

🧪Stick to fixed deposit if tax planning allows it
🧪Stick to short term debt funds when investing in debt mutual funds
🧪Avoid credit risk funds

(11/14)
Real Estate:-

🧪Should be at least 10% of the portfolio
🧪However do not make the mistake of putting 80-90% in this asset.
🧪REITs can be a better option than physical real estate

A detailed thread on REITs:-

https://t.co/sMXkxZjtMN

(12/14)
Step 8:-

Re-evaluation

Constantly keep re-elevating at regular intervals of 3-6 months.

Also re-evaluate the portfolio at any big life changes that u may have.

This will ensure u are aligned to ur goals

(13/14)
Conclusion:-

🧪By following simple processes u can make a great portfolio
🧪Be systematic tabulate everything down
🧪Buy adequate insurance cover
🧪Maintain emergency corpus
🧪Diversify across all asset classes
🧪Constantly keep re-evaluating

(14/14)

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In the next 10 years,India will undertake massive infrastructure projects which will propel India to a $5 Trillion economy

A thread🧵on how India is spending big on Infrastructure upgradation like never before

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How big is India's Infra push?

India spent $14 Trillion on infrastructure in the 75 years since its independence.

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Another $7 Trillion will be spent in the next 9 years!

Big Big Spending is coming in!

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So where is this money being spent?

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Confused?😥🤔

Dont worry.

A thread🧵 on basics of Banking

Hit "Retweet" to educate Maximum Investors

Lets go👇

(1/20)

Types of banks:-

Your money should be parked in scheduled commercial Banks

Scheduled Commercial Banks
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-Small Finance Banks

Do not park money is Co-operative/Regional Banks

List is shown below

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NPA, NPA, NPA! Kya hain yeh NPA?🤔

Gross NPA (GNPA)-

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SMA-0

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Poorly managed companies also make returns

2021 steel cycle-
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Now in the current credit upcycle:-
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SEBI cuts REIT lot size to 1 unit....this will boost the liquidity and encourage more participation!

REIT is like a mutual fund that invests in physical real estate assets!

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Index Funds have been a red hot equity passive Mutual Fund strategy in the last 10 years!

A thread🧵explaining why index funds should be a part of ur equity MF portfolio!

Hit "Retweet" to educate maximum investors

Let's go👇

(1/18)


Passive vs Active Mutual Fund Strategy

Active Strategy:-

Active investing, as its name implies, takes a hands-on approach and requires that someone act in the role of a portfolio manager.

The goal of active money management is to beat the stock market’s average return

(2/18)


Passive Strategy:-

Passive investing entails a non-active role on part of the investor.

When you invest in a diversified portfolio with low costs and a long-term horizon, it tends to deliver returns comparable to the market average.

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Index Fund invests in stocks that imitate a stock market index like the Nifty, Sensex.

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The relentless rise of Index funds:-

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Margatha Natarajar murthi - Uthirakosamangai temple near Ramanathapuram,TN
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Unique Natarajar made of emerlad is abt 6 feet tall.
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as Emerald has scientific property of its molecules getting disturbed when exposed to light/water/sound.This is an ancient Shiva temple considered to be 3000 years old -believed to be where Bhagwan Shiva gave Veda gyaana to Parvati Devi.This temple has some stunning sculptures.
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Always. No, your company is not an exception.

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And by the way, you should never be worried that an offer would be withdrawn if you politely negotiate.

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You wish there was no negotiating so it would all be more fair? I feel you, but it’s not happening.

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Catch me if you can @Mitesh_Engr

Time for a🧵
Mitesh Sir's EXPIRY Option Selling 101:
• What to look for?
• Strike Selection & Ratios
• SL mgmt
• Avoiding freezes
• Monthy Expiry
• Event days
• How he would have traded last expiry?

In collaboration with @AdityaTodmal


Edward de Bono says intelligence is like a🚗 Automobile

“A powerful car may be driven badly. A less powerful car may be driven well. The skill of the car driver determines how the power of the car is used.”


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• Technicals of BNF
• Individual Heavyweight stocks of BNF
• Support/Resistance of BNF on weekly TF
• Also has Superb SL management
• When it comes to adjustments, he is always on toes


How to Select Strikes to Sell?

• You can't sell based on premium
• Follow only trend
• Price action is best to sell on expiry day
• Never wait for the options to go to zero


Using Ratios to Sell:

• If BNF is in a range then strangles
• If breakout/ breakdown from a range then directional
• Selling 70/30 or 80/20 ratios
• 2 examples on how he used ratios
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