SEBI cuts REIT lot size to 1 unit....this will boost the li…

Aadhar
UPI & now
Open Network for Digital Commerce(ONDC)

As ONDC starts testing in Bengaluru!
ONDC is yet another UPI moment(game changer) in e-commerce

A thread🧵on what is ONDC? How will it revolutionize e-commerce in India?

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(1/21)

How Big is India's e-commerce market?

In India, the Gross Merchandising Value (GMV) for the digital commerce retail market was ₹2.85 Lakh Crores (US$ 38 billion) in 2020.

(2/21)

Kirana Stores are physical in Nature:-

In India, around 1.2 crore Kirana stores, which are hyperlocal neighborhood provision stores, account for 80% of the retail sector, but most of these stores are digitally excluded.

(3/21)

India had 4.25 crore Micro, Small and Medium Enterprises (MSMEs) that could benefit from the digital revolution, the paper adds.

(4/21)

Currently, only about 20% of internet users in India are online shoppers.
By 2030, we can expect this to grow to nearly 50 crores,

(5/21)

Aditya Shah
@AdityaD_Shah

HDFC Bank has announced a merger with HDFC Ltd

What does it mean for the banking system and the shareholders of both companies?

A thread🧵explaining the pros and cons of the merger.

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(1/19)

What is happening?

HDFC Bank will take over HDFC Ltd....effectively making a huge bank

25 shares of HDFC ltd will receive 42 shares of HDFC Bank.

(2/19)

Potential to be India's largest Bank?

HDFC Bank+HDFC total size=18 lakh crores
SBI total size=26.5 lakh crores

With steady loan growth over the next 5 years....surely HDFC Bank will become the largest bank

(3/19)

Housing Finance is a big opportunity and the missing puzzle in the HDFC Bank armor:-

Over the past year ICICI scored big time on HDFC Bank due to rapid growth on home loans.
ICICI clocked up about 24% loan growth while HDFC Bank did not have a home loan portfolio.

(4/19)

So why merge now?

The regulatory arbitrage b/w Banks and NBFCs is slipping away:-

The IL&FS crisis hit the economy really hard.

Since then the RBI has taken various steps in NBFCs:-
1. Asset classification norms for NBFCs have been moved at par with that of banks.

(5/19)

Aditya Shah
@AdityaD_Shah

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!

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(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.

(3/18)

What are Index Funds?

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

These are passively managed funds which means that the fund manager invests in the same securities as present in the underlying index in the same proportion.

(4/18)

The relentless rise of Index funds:-

The assets under management (AUM) of passive products will grow eight times from the current levels of ₹3 trillion to ₹25 trillion by 2025

Passive assets will grow to constitute 37% of the overall assets in the MF industry by 2025

(5/18)

Aditya Shah
@AdityaD_Shah

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

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(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

As part of financial planning

A thread on health insurance

What is health insurance?

Health insurance is a insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalisation costs, cost of medicines etc.

1/
— JST Investments (@JstInvestments) December 24, 2020

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

Term Plan or a ULIP or a endowment plan?\U0001f914

Life Insurance simplified:

Do 're-tweet' & help us educate more investors

A Thread \U0001f9f5\U0001f447

(1/15)
— JST Investments (@JstInvestments) April 5, 2021

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)