@in_wealthsuite The Financial Planner

The Financial Planner posts on X about india, money, inflation, insurance the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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Mentions: [--] #

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Social Influence

Social category influence finance countries technology brands stocks currencies social networks automotive brands products

Social topic influence india, money, inflation, insurance #1841, if you, ai, financial #3202, stocks, debt #3019, retirement

Top accounts mentioned or mentioned by @nsinghal211 @thetradingwolf0 @thetavegacap @moneycruncher @rajkumarpr8 @investingt20 @theparthrastogi @portfoliobull @martinwawrusch @14 @18 @40 @mohiniwealth @dealsdhamaka @duttasouravd @financebareek @anandchokshi19 @fiinvestindia @fluentinfinance @sandeepmall

Top assets mentioned Alphabet Inc Class A (GOOGL) Microsoft Corp. (MSFT) Accenture (ACN)

Top Social Posts

Top posts by engagements in the last [--] hours

"CIBIL Score Breakdown (300-900): Master Your CreditPayment History (35%): Pay EMIs/CC bills ON TIME. Delays = BIG drop Utilization (30%): Use 30% of credit limit. Less is more History Length (15%): Longer track record = trust Mix (10%): Balance loans + cards wisely New Inquiries (10%): Avoid too many apps Boost yours & unlock better loans #CIBIL #FinanceIndia https://twitter.com/i/web/status/2011652393243722108 https://twitter.com/i/web/status/2011652393243722108"
X Link 2026-01-15T04:11Z [--] followers, [--] engagements

"India's Gold Kings - [--] Households (25K-28K tonnes): Bulk of wealthdiversify via Gold ETFs/SGBs to beat idle jewelry [--] RBI (880 tonnes): Safe reserves for stabilitymirrors smart portfolio allocation [--] Temples (e.g. Tirupati 500+): Cultural vaults but illiquid vs modern gold bondsTotal: Households dominate 95%+. Pro tip: Track holdings in your net worth; monetize via MCX/digital gold for liquidity #GoldInvesting #FinanceIndia #Budget2026 https://twitter.com/i/web/status/2011653404112847346 https://twitter.com/i/web/status/2011653404112847346"
X Link 2026-01-15T04:15Z [--] followers, [--] engagements

"From roughly 90000/kg in Jan [----] to trading around 289000/kg today silver has more than tripled in value over the past [--] months Strong industrial demand safe-haven buying geopolitical volatility and weak USD have powered this rally . Global prices hit multi-year highs and domestic markets followed suit turning silver into one of the top performing metals in [------]. #Investing #Metals #silver #silversqueeze https://twitter.com/i/web/status/2011684381740712339 https://twitter.com/i/web/status/2011684381740712339"
X Link 2026-01-15T06:18Z [--] followers, [--] engagements

"@MohiniWealth Youre buying a 60L car with postponed pain. 25L is just: Down payment Plus interest-loaded EMIs Plus a huge balloon payment later Psychologically cheap financially expensive"
X Link 2026-01-17T04:29Z [---] followers, [----] engagements

"If you can afford rent you can afford EMI is misleading. EMI is 3060% higher than rent Rent is the maximum you pay. EMI is the minimum - plus taxes maintenance repairs & interest risk. If you lose a job as a renter you can downsize. If you lose a job with an EMI the bank wont downsize for you. Home loans can make sense but only if income is stable and risk is affordable. Ideally EMI should be 3040% of income. Annual rent = 23% of property value Ideally Rent 2025% of net monthly income https://twitter.com/i/web/status/2012397804493377736 https://twitter.com/i/web/status/2012397804493377736"
X Link 2026-01-17T05:33Z [---] followers, [---] engagements

"SWP vs IDCW What Every Investor Should Know [--] IDCW (Dividends): Fund pays you periodically. But the payout reduces your NAV. Returns arent guaranteed. Tax depends on scheme type & holding period. [--] SWP (Systematic Withdrawal Plan): You withdraw a fixed amount regularly from your mutual fund. NAV adjusts but you stay invested letting remaining corpus grow. [--] Key Difference: SWP = flexible predictable & market-efficient. IDCW = irregular may trigger taxes and often reduces compounding. ✅ Takeaway: If your goal is steady retirement income SWP usually beats IDCW for wealth accumulation + tax"
X Link 2026-01-17T06:40Z [---] followers, [--] engagements

"@DealsDhamaka First [--] Cr isnt built only by patience Its built by: Skill leverage Concentrated bets (at right time) Avoiding big mistakes"
X Link 2026-01-17T08:32Z [---] followers, [---] engagements

"@Dutta_Souravd To reach [--] Cr by investing 12L/year for [--] years: You need 1213% CAGR consistently with yearly step-ups. LTCG STCG exit loads rebalancing taxes all eat into final corpus. In [--] years [--] Cr may feel like [--] Cr today due to inflation"
X Link 2026-01-17T10:17Z [---] followers, [----] engagements

"@TheTradingwolf0 6% monthly = 101% annual CAGR All the best"
X Link 2026-01-17T14:50Z [---] followers, [----] engagements

"Where should your Emergency Fund be parked Your emergency money is for survival not returns. It must be: ✔ Safe ✔ Liquid ✔ Predictable Best places [--] Savings Account [--] months expenses Instant access (UPI/ATM) [--] Liquid Mutual Funds [--] months expenses Low risk T+1 liquidity better than savings a/c [--] Sweep-in FD [--] months expenses FD returns + easy access ❌ Avoid stocks equity MFs crypto PPF NPS Rule of thumb: 👉 Emergency fund = [--] months of expenses https://twitter.com/i/web/status/2012594164320587917 https://twitter.com/i/web/status/2012594164320587917"
X Link 2026-01-17T18:33Z [---] followers, [--] engagements

"@Finance_Bareek Few gaps: 13% return assumption is aggressive At 6% inflation: 1.56L today 6265k real value 6% SWP from Day [--] is risky at [--]. 4% is ideal. Taxes ignored completely One medical condition can wipe out this math"
X Link 2026-01-17T18:54Z [---] followers, [--] engagements

"@anandchokshi19 A stock can fall 40% and still be overvalued A stock can rise 50% and still be undervalued Your rule reacts to price not business value Great businesses often go 5X-10X"
X Link 2026-01-18T04:49Z [---] followers, 15.4K engagements

"Top Indian Dividend Stocks Last [--] Years Returns + CAGR 💰 [--] Coal India Ltd Dividend CAGR (5 yr): 21.4% 📈 Price CAGR (5 yr): 2425% 📈 ➡ Total return is roughly 25% CAGR (price + dividends). [--] Vedanta Ltd Dividend yield: 67% (high relative to peers) 5-yr price CAGR (approx): 31% 📈 [--] Hindustan Zinc Ltd Strong consistent dividends (yield 67%) 5-yr price returns (indicative/top mining peer around) 1820%+ CAGR 📈 [--] Castrol India Ltd Dividend yield 7% historically 5-yr price return 44% total (78% CAGR) 📈 [--] Canara Bank Avergae dividend yield of 3-4% 5-yr price and dividend returns vary but total"
X Link 2026-01-18T06:28Z [---] followers, [--] engagements

"How much term insurance should you have -- [----] your annual income is the minimum -- Better method - Cover = Outstanding loans (home personal education) - Future family expenses (kids education marriage) - [----] years of household expenses Existing investments & savings #insurance #Budget2026 #Budget #terminsurance https://twitter.com/i/web/status/2012776676355416203 https://twitter.com/i/web/status/2012776676355416203"
X Link 2026-01-18T06:38Z [---] followers, [--] engagements

"Top [--] Most Popular Credit Cards in India Annual Fees (2026) [--] HDFC Regalia Gold ✔ Annual/Renewal Fee: [----] Great all-round rewards + lifestyle benefits. [--] SBI Card PRIME ✔ Annual/Renewal Fee: [----] Strong rewards & welcome gifts often offset the fee. [--] Axis Bank SELECT ✔ Annual/Renewal Fee: [----] Popular for lifestyle & shopping rewards. [--] YES BANK Paisabazaar PaisaSave ✔ [--] annual fee (waived) Easy cashback renewal fee waived on minimum spends. [--] HSBC Live+ Credit Card ✔ Annual/Renewal Fee: [---] Balanced rewards + modest fee. #CreditCards #money #WealthMindset"
X Link 2026-01-18T07:07Z [---] followers, [--] engagements

"In debt funds Capital gains are taxed at slab rate. No indexation benefit. Every rupee of gain withdrawn is fully taxable. SWP during low-return years can eat into principal SWP can run out if returns disappoint Pension never runs out (even if returns collapse). Instead use hybrid SWP (equity + debt). Add annuity / pension floor Adjust withdrawals dynamically. https://twitter.com/i/web/status/2012784982247477543 https://twitter.com/i/web/status/2012784982247477543"
X Link 2026-01-18T07:11Z [---] followers, [----] engagements

"@nsinghal211 Use my retirement calculator. http://wealthsuite.in http://wealthsuite.in"
X Link 2026-01-18T07:18Z [---] followers, [---] engagements

"@ThetaVegaCap @5 [--] crore after [--] years is [---] crore in todays purchasing power assuming 6% inflation Target corpus should be [---] Cr not [----] Cr SWP withdrawal rate should be 44.25%"
X Link 2026-01-18T17:48Z [---] followers, [---] engagements

"Two generations ago: Housing was [--] annual income Education & healthcare were cheap Fewer lifestyle expectations One income often covered essentials Today: Housing is [---] income Education & healthcare inflated faster than wages Lifestyle creep is real (cars gadgets travel subscriptions) Job security is lower competition is global Wages didnt collapse asset prices exploded"
X Link 2026-01-19T04:05Z [---] followers, [---] engagements

"@FI_InvestIndia It will be very complex. What if separation happens mid-year Who pays pending tax What about alimony & child support Who earned what How to treat bonuses ESOPs business income"
X Link 2026-01-19T18:04Z [---] followers, [----] engagements

"@FluentInFinance Sellers buyers means: Consumption slows (less furniture appliances renovations) Wealth effect turns negative - people spend less Construction & credit cool Rent inflation eases - CPI softens"
X Link 2026-01-19T18:11Z [---] followers, [----] engagements

"@SandeepMall Saving budgeting emergency funds & insurance = stability. But multi-generational wealth is built through ownership of assets and better capital allocation"
X Link 2026-01-20T04:55Z [---] followers, [---] engagements

"@Arun_vish I think total tax outgo per person should be 4.55L Also expenses can be 1.01.2L/month if living frugally. EMI is not an expense only the interest portion is. So if EMI is less than 30% of the income they should be fine"
X Link 2026-01-20T05:43Z [---] followers, [----] engagements

"CASA Ratios - Top Private Banks (Q2 FY26) 🔹 Kotak Mahindra Bank: 42.3% 🔹 ICICI Bank: 39.2% 🔹 Axis Bank: 38% 🔹 HDFC Bank: 34% (CASA = Current + Savings Accounts as % of Total Deposits key indicator of low-cost funding) Higher CASA means cheaper funds means better margins #Budget2026 #Budget https://twitter.com/i/web/status/2013489705166475660 https://twitter.com/i/web/status/2013489705166475660"
X Link 2026-01-20T05:52Z [---] followers, [--] engagements

"touches 91/$ - heres how a weaker rupee hits your financial goals Foreign travel education & imports get costlier Overseas investments look better in INR terms Inflation pressure rises (fuel electronics food) Indian assets may lose appeal for global investors Exporters & IT services benefit short-term Rupee depreciation isnt just macro news it quietly reshapes personal finances. #stockmarketsindia #Rupee #Economy #Budget2026 https://twitter.com/i/web/status/2013517228361322696 https://twitter.com/i/web/status/2013517228361322696"
X Link 2026-01-20T07:41Z [---] followers, [--] engagements

"@R_N_Vaghani @FinMinIndia @IncomeTaxIndia @nsitharaman The statement Income up to [--] lakh is tax-free usually refers to salary income only under certain slabs or after standard deductions. It does not automatically include capital gains (like short-term or long-term gains from equity)"
X Link 2026-01-20T09:34Z [---] followers, [----] engagements

"World Banks upper-middle-income threshold is $4466 (FY25) and keeps rising every year due to inflation. By [----] the cutoff will likely be well above $50006000. India at $4000 would still be lower-middle. Also that Per-capita income is an average and it doesnt reflect inequality cost of living or median income. https://twitter.com/i/web/status/2013567834891382931 https://twitter.com/i/web/status/2013567834891382931"
X Link 2026-01-20T11:02Z [---] followers, [--] engagements

"@YoungInvestor03 There is no perfect answer. It's a subjective thing"
X Link 2026-01-20T15:16Z [---] followers, [---] engagements

"@ThetaVegaCap Volatility isnt a signal to stop SIPs. Its the reason SIPs exist. Equity rewards patience not prediction"
X Link 2026-01-20T15:28Z [---] followers, [---] engagements

"@money_cruncher Wealth isnt just past investments its income growth risk management behavior and luck. Great returns on small capital = small wealth. Average returns on rising income = real wealth"
X Link 2026-01-21T03:52Z [---] followers, [--] engagements

"Why buying a costly car is a wealth killer Assumptions (Mumbai): Petrol: 103/litre Mileage: [--] km/l Running: [----] km/month Maintenance: 15k/yr Insurance: 10k/yr Loan tenure: [--] years @ 9% Ownership: [--] years Case 1: [--] lakh car Loan: [--] lakh EMI (7 yrs): [-----] Resale after [--] yrs: [--] lakh Monthly cost EMI: [-----] Depreciation: [-----] Fuel: [----] Insurance + maintenance: [----] Total 69300/month Case 2: [--] lakh car Loan: [--] lakh EMI (7 yrs): [-----] Resale after [--] yrs: [--] lakh Monthly cost EMI: [-----] Depreciation: [----] Fuel: [----] Insurance + maintenance: [----] Total 29200/month Lifestyle Inflation Cost"
X Link 2026-01-21T06:52Z [---] followers, [--] engagements

"Multi-asset and Flexi cap will cause portfolio overlap For long horizon allocation should be more towards equity. I will prefer: [----] Nifty [--] / Nifty [---] Index Fund (low cost long-term wealth creation) [----] Flexi Cap or Large & Mid Cap Fund (active alpha avoid multi-asset overlap) [----] Sukanya Samriddhi Yojana (debt + tax-free + guaranteed) https://twitter.com/i/web/status/2013907534898434470 https://twitter.com/i/web/status/2013907534898434470"
X Link 2026-01-21T09:32Z [---] followers, [---] engagements

"#StockMarketCrash #StockMarketIndia Dividend investing is a scam for most Indians. Youre just paying 30% tax to withdraw your own money"
X Link 2026-01-21T17:25Z [---] followers, [---] engagements

"I break down money myths taxes investing & retirement in India. Follow if you dont want to retire broke. Try my financial calculators at . #StockMarketCrash #StockMarketIndia #UnionBudget2026 #budget http://wealthsuite.in http://wealthsuite.in"
X Link 2026-01-21T18:00Z [---] followers, [---] engagements

"@money_cruncher If you invest only 15%: Inflation eats 6% Taxes eat 2030% Lifestyle creep eats the rest You will never get wealthy. Real wealth builders invest 3050% in their 20s & 30s"
X Link 2026-01-22T03:48Z [---] followers, [----] engagements

"Want 1L/month safe income from Fixed Deposits Heres the reality (7% FD 30% tax slab): 50k/month - [---] Cr 1L/month - [----] Cr 2L/month - [---] Cr 3L/month - [----] Cr FDs feel safe but tax and inflation quietly kill returns. #PersonalFinance #Investing #FD #IndiaFinance #Budget2026 #unionbudget2026 https://twitter.com/i/web/status/2014212043218534797 https://twitter.com/i/web/status/2014212043218534797"
X Link 2026-01-22T05:42Z [---] followers, [--] engagements

"@MarcellusInvest This isnt just a savings problem. Its a behavior shift. Earlier low savings came from investing in assets. Today savings are replaced by EMIs to maintain lifestyle. Unsecured credit is masking income stagnation not funding wealth. No asset. High interest. Zero buffer"
X Link 2026-01-22T05:44Z [---] followers, [----] engagements

"Need [--] Crore in [--] years Assuming 12% returns: SIP needed: 43471/month Total invested: [-----] lakh Final value: [--] Crore Thats compounding doing the heavy lifting. Skip the noise. Stay invested. Let time work. Try #SIP #stockmarketsindia #mutualfunds http://wealthsuite.in http://wealthsuite.in http://wealthsuite.in http://wealthsuite.in"
X Link 2026-01-22T11:52Z [---] followers, [--] engagements

"Sukanya Samriddhi Yojana vs Equity SIP 20-Year Reality Check Invest 1L/year for [--] years: SSY (tax-free 7.6%) - [----] Lakh Equity SIP (post-tax 10.2%) - [--] Lakh Safe vs Smart. Guaranteed vs Compounding. Comfort vs Wealth. Long-term equity wins even after taxes. Dont let safe cost you [----] Lakh. #Investing #SIP #WealthCreation #PersonalFinance #Equity #mutualfunds https://twitter.com/i/web/status/2014312001040961637 https://twitter.com/i/web/status/2014312001040961637"
X Link 2026-01-22T12:19Z [---] followers, [--] engagements

"@RajkumarPR8 Flexibility is good but assuming 12% steady post-tax income is risky optimism not financial reality. Markets can stay down [--] yrs your corpus may shrink when you need it most. Shifting between equity & liquid funds also triggers LTCG + interest tax"
X Link 2026-01-22T12:49Z [---] followers, [---] engagements

"#FinancialPlanning #StockMarketIndia #mutualfunds Follow me for insights on financial planning retirement planning and personal finance. Use my FREE calculators at http://wealthsuite.in http://wealthsuite.in"
X Link 2026-01-22T17:54Z [---] followers, [--] engagements

"Most Indians are not broke. Theyre just over-subscribed. OTT music news fitness cloud learning Most of it is already free via Jio Airtel Prime credit cards YouTube. 1000/month wasted = [--] lakh in [--] years at 12%. Cancel subscriptions. Buy freedom #money #UnionBudget2026 #budget #FinancialLiteracy https://twitter.com/i/web/status/2014529909109227539 https://twitter.com/i/web/status/2014529909109227539"
X Link 2026-01-23T02:45Z [---] followers, [--] engagements

"#StockMarketIndia #stocks A stock falling 70% needs 233% just to break even. Math doesnt forgive emotions"
X Link 2026-01-23T04:49Z [---] followers, [--] engagements

"#Rupee FPIs invest in USD earn in INR. If rupee falls fast even a rising stock can give negative USD returns. Result: selling pressure especially in large caps"
X Link 2026-01-23T09:23Z [---] followers, [--] engagements

"You dont earn [--] Crore in India. You touch [--] Crore. [--] Cr CTC [---] lakh/month in hand after tax PF & cess. 35% gone before you even see the money. Add rent school fees EMIs insurance & inflation and youll know why even crore-salary families dont feel rich. India doesnt have a low-income problem. It has a high-extraction problem. #Silver #StockMarketIndia #emi #salary https://twitter.com/i/web/status/2014742252992790677 https://twitter.com/i/web/status/2014742252992790677"
X Link 2026-01-23T16:49Z [---] followers, [--] engagements

"India's Car Market Dec 2025: [--] Maruti: 44.2% 👑 [--] Mahindra: 12.6% (NEW) [--] Tata: 12.4% [--] Hyundai: 10.5% Mahindra OVERTAKES Tata for #2 Hyundai drops from #2 (after [--] yrs) Kia's growth: +108% 🚀 SUV boom reshaping India's roads #IndianAuto #CarMarket"
X Link 2026-01-23T19:08Z [---] followers, [--] engagements

"@Stock_MaverickX Examples: Bridgewater All Weather Renaissance Medallion ARK Active ETFs BlackRock Systematic Funds"
X Link 2026-01-25T03:39Z [---] followers, [--] engagements

"Nifty is near all-time highs. Corporate profits are near record levels. GDP growth is among the fastest globally. Yet FPIs are selling. Rupee is weak. Most retail investors are in losses. Question: How can all [--] be true at the same time #StockMarketIndia #StocksInFocus #StocksToWatch https://twitter.com/i/web/status/2016031052213768219 https://twitter.com/i/web/status/2016031052213768219"
X Link 2026-01-27T06:10Z [---] followers, [--] engagements

"If rent = 25k and EMI = 60k in your 20s that extra 35k invested at 12% can grow to [--] cr in [--] years. But if EMI 30% of income city is stable and youll hold 15+ years buying early locks costs and beats rising rents. Here is my loan calculator which covers buy vs rent case https://www.wealthsuite.in/loan-calculator https://www.wealthsuite.in/loan-calculator"
X Link 2026-01-19T08:45Z [---] followers, [---] engagements

"Most Popular Mutual Funds in India (by subscribers not AUM) Popularity = number of investor folios not how much money they manage. Top [--] Fund Houses by Folio Count: [--]. Nippon India Mutual Fund Massive retail reach SIP favorite [--]. ICICI Prudential Mutual Fund Strong digital + bank distribution [--]. HDFC Mutual Fund Long-term trust consistent investors [--]. SBI Mutual Fund Deep penetration via SBI network [--]. Tata Mutual Fund Rapid growth in retail folios #MutualFunds #Investing #SIP #PersonalFinance #StockMarketIndia https://twitter.com/i/web/status/2013461824692494531"
X Link 2026-01-20T04:01Z [----] followers, [--] engagements

"@CAChirag Joint taxation doesn't automatically mean 24L tax-free for a couple. Many countries use joint taxation to limit income splitting not reward it"
X Link 2026-01-20T07:56Z [----] followers, [----] engagements

"Top Tier-2 Cities to Retire & Live in India If you want lower costs cleaner air slower life & decent healthcare these cities stand out [--] Indore Cleanest city affordable housing good hospitals strong food culture. [--] Mysuru Peaceful excellent climate low traffic close to Bengaluru healthcare. [--] Coimbatore Top-tier medical facilities pleasant weather strong water security. [--] Udaipur Scenic lakes calm lifestyle improving healthcare culturally rich. [--] Puducherry Relaxed coastal living walkable areas good for slow retirement life. [--] Dehradun Mild weather greenery spiritual vibe gateway to the"
X Link 2026-01-20T14:44Z [---] followers, [--] engagements

"FIRE vs Coast FIRE FIRE (Financial Independence Retire Early) You save & invest until your corpus is big enough Investments alone can fund 100% of expenses You can stop working completely High savings rate intense grind early on Goal: I never need to work again. Coast FIRE You invest aggressively early Once corpus is sufficient you stop investing further Let compounding do the work You keep working only to cover living expenses Goal: My retirement is already funded. I just need to coast. #retirement #RetirementPlanning #fire #FinancialPlanning https://www.wealthsuite.in/coast-fire-calculator"
X Link 2026-01-20T14:52Z [---] followers, [--] engagements

"#stockmarketsindia #RetirementPlanning #StocksInFocus Most Indians are under-saving for retirement not because of income but because of bad advice. Agree or disagree"
X Link 2026-01-20T15:19Z [----] followers, [---] engagements

"@finshots SUVs & EVs helped Tata and Mahindra gain ground. But Maruti still dominates volumes reach service network and cost leadership"
X Link 2026-01-20T15:30Z [---] followers, [----] engagements

"Increasing SIP: Market Down vs Market High Assume: SIP starts at 10000/month Investment horizon: [--] years Base return: 12% CAGR Case 1.: Increase SIP during market crashes Add +20% SIP whenever market falls 20%+ Avg SIP over [--] yrs: [-----] Total invested: 16.8L Final value: 32.5L Case 2: Increase SIP only after markets rise Increase SIP after 20% rally (FOMO mode) Avg SIP over [--] yrs: [-----] Total invested: 16.8L Final value: 28.9L Difference: [---] lakh more by increasing SIP when markets are down Same money. Different timing. Why Lower NAVs = more units = compounding does the heavy lifting."
X Link 2026-01-21T03:48Z [----] followers, [---] engagements

"Half knowledge is dangerous. What's missing is - Electricity tariffs vary (6.5 is optimistic; many pay 810+) Charging losses (1015%) ignored Battery degradation & replacement cost skipped Higher upfront EV price not adjusted Insurance & repair costs are higher for EVs Real-world range lab efficiency https://twitter.com/i/web/status/2013948121064321376 https://twitter.com/i/web/status/2013948121064321376"
X Link 2026-01-21T12:13Z [----] followers, [----] engagements

"@TheTradingwolf0 30L loan on [---] Cr = 25% leverage on retirement corpus. Thats dangerous. I would recommend to pay off the [--] lakh loan completely. keep [--] lakh in liquid funds + FDs Invest remaining [--] lakh in Equity (35 L) Debt (20 L) and Hybrid (10 L) Start SWP after [--] months"
X Link 2026-01-21T15:02Z [----] followers, [----] engagements

"Even the best NBFC/Bank FDs rarely go above 8.59% per annum. Interest on FDs is fully taxable as ordinary income. [--] Cr today will be worth [---] Cr in [--] years and [---] Cr in [--] years To get [--] lakh per month NET (after tax) from FD at 7% you need approximately [---] Crore in Fixed Deposits https://twitter.com/i/web/status/2014192899072893089 https://twitter.com/i/web/status/2014192899072893089"
X Link 2026-01-22T04:26Z [----] followers, [---] engagements

"@LabourMinistry Now we have - bankrupt operators a telecom duopoly stressed balance sheets"
X Link 2026-01-22T10:57Z [----] followers, [----] engagements

"This phenomenon is called Coast Fire. Accumulation Phase return of 13% is high. Even the current investment giving a return of 12% in [--] years is questionable when you do not know where he has investment that amount. Current monthly expense of 50K is too less unless he is living in a tier-2/tier-3 city. https://twitter.com/i/web/status/2014309449318674768 https://twitter.com/i/web/status/2014309449318674768"
X Link 2026-01-22T12:09Z [----] followers, [----] engagements

"@RajkumarPR8 Rolling returns show historical averages not guaranteed income. 12% CAGR Nifty with post 15% LTCG tax is 10% real returns. Bad years and early withdrawals can shrink portfolio while you spend"
X Link 2026-01-22T12:27Z [---] followers, [---] engagements

"#StockMarketIndia #StockMarket Most people dont lose money in stocks. They lose patience"
X Link 2026-01-23T04:03Z [----] followers, [---] engagements

"5 crore at 8% gives 40L/year. Thats freedom in most Indian cities. #BasantPanchami2026 #BasantPanchami #StockMarketIndia #budget"
X Link 2026-01-23T05:16Z [----] followers, [--] engagements

"CAGR vs XIRR (most investors confuse this): CAGR assumes one-time investment XIRR handles multiple investments at different times If you do SIPs or add money irregularly CAGR lies. XIRR tells the truth. #StockMarketIndia #SIP #mutualfunds #investing #StocksToWatch"
X Link 2026-01-23T05:34Z [----] followers, [--] engagements

"Debt-free does not mean guaranteed returns. Here are some Indian stocks with little/no debt that still fell over the last [--] months: Gillette India (-10%) Shilchar Technologies (-16%) Tips Music (-20%) Waaree Renewables (-7%) TCS (-24%) Fundamentals matter but valuation & sentiment drive prices too #niftyOptions #StockMarketIndia #stocks #StocksInFocus https://twitter.com/i/web/status/2014576737418723413 https://twitter.com/i/web/status/2014576737418723413"
X Link 2026-01-23T05:51Z [----] followers, [---] engagements

"@investing_t20 LIC is loved by the masses not because its the best but because its the best marketed. Agents take 2535% upfront. Govt uses LIC money to bail out PSUs. You get guaranteed low returns"
X Link 2026-01-24T14:02Z [----] followers, [---] engagements

"@connectgurmeet You cant run a $5-trillion economy on penalising risk capital. If India wants stable rupee strong markets & jobs we must reward risk not punish it"
X Link 2026-01-24T14:11Z [----] followers, [---] engagements

"A quick fact check A [--] Cr retirement corpus in [----] had the spending power of [----] lakh today. #SIP #FinancialPlanning #MutualFundsSahiHai"
X Link 2026-01-24T15:51Z [----] followers, [--] engagements

"Goal: [--] Cr in [--] years (using equity) Assume 12% CAGR (reasonable not flashy). You need to invest 40000/month with a 10% yearly step-up. Total invested: [---] Cr Final value: [--] Cr+ No trading. No stock tips. Just discipline + time. #StockMarketIndia #StocksToBuy #StocksInFocus #UnionBudget2026 https://twitter.com/i/web/status/2015134783798673451 https://twitter.com/i/web/status/2015134783798673451"
X Link 2026-01-24T18:49Z [----] followers, [--] engagements

"#Budget2026 #UnionBudget2026 #budget The Reality Check - Out of India's 140+ crore population only 9+ crore file tax returns - Top 1% earn over [--] lakhs annually - Earning [--] crore+ puts you in the top 0.05% of the entire population - The pyramid dramatically shows how wealth concentrates at the very top https://twitter.com/i/web/status/2015137316252316080 https://twitter.com/i/web/status/2015137316252316080"
X Link 2026-01-24T18:59Z [----] followers, [----] engagements

"SEBI just created a new category: Specialised Investment Funds (SIFs) Think of it like this Mutual Funds = safe highway PMS = risky race track SIF = fast expressway What makes SIFs powerful Minimum investment: [--] lakh Can go long + short Can use derivatives & hedging Can run concentrated high-conviction portfolios Not forced to stay 100% invested in bad markets Goal of SIF: Not just to grow with the market But to beat the market Who should invest If you already have Index funds + Equity MFs + Emergency fund and want higher alpha SIFs make sense. Higher risk. Higher flexibility. Higher return"
X Link 2026-01-25T03:32Z [----] followers, [--] engagements

"Indians have [--] lakh crore sitting in savings accounts across banks (huge pool of cash). Savings interest rates (202526): 2.5%3.5% on ordinary accounts; some small banks offer 58% on higher balances Meanwhile inflation in India has been 46% meaning prices rise faster than what your savings earn. #Budget2026 #inflation #FinancialLiteracy #FinancialPlanning https://twitter.com/i/web/status/2015284391552159816 https://twitter.com/i/web/status/2015284391552159816"
X Link 2026-01-25T04:43Z [----] followers, [--] engagements

"#NationalTourismDay Travel enriches experiences but big travel spends can erode your investment goals if unplanned. Money spent on flights/hotels is money NOT invested for compounding. Rule of thumb: ✔ Save for experiences ✔ Invest for financial freedom ✔ Budget travel without derailing your wealth goals https://twitter.com/i/web/status/2015285469286945081 https://twitter.com/i/web/status/2015285469286945081"
X Link 2026-01-25T04:47Z [----] followers, [--] engagements

"India Trade Snapshot [----] Exports (goods + services): $634 B (AprDec 2025) up 4% YoY Imports (goods + services): $731 B up 5% YoY Trade balance: Deficit widened $97 B vs $88 B last year Exports rose modestly while imports grew faster. #unionbudget2026 #Budget2026 #budget https://twitter.com/i/web/status/2015293589476225059 https://twitter.com/i/web/status/2015293589476225059"
X Link 2026-01-25T05:20Z [----] followers, [--] engagements

"#NationalTourismDay International travel spend (FY24) Indians spent [------] crore ($31.7 bn) on overseas travel up 25% YoY"
X Link 2026-01-25T05:22Z [----] followers, [--] engagements

"Buying a [--] lakh car in India Heres the real bill Ex-showroom: 15.0L GST @18%: 2.7L Road tax (12%): 1.8L Insurance + RTO + TCS + fees: 0.6L On-road [--] lakh Almost [--] lakh = pure taxes & govt charges Thats 1/3rd of the car price gone before you even start driving #Budget2026 #UnionBudget2026 #FinancialLiteracy https://twitter.com/i/web/status/2015486999495626971 https://twitter.com/i/web/status/2015486999495626971"
X Link 2026-01-25T18:08Z [----] followers, [--] engagements

"Buying a [--] lakh car Brace yourself Ex-showroom: 30.0L GST @40%: 12.0L Road tax (15%): 4.5L Insurance + RTO + TCS + fees: 1.2L On-road [----] lakh You pay 17+ lakh in taxes & charges. Thats more than the price of a brand-new small car just to the government. India doesnt just sell cars It taxes aspirations #cars #INDvNZ #FinancialLiteracy #FinancialFreedom https://twitter.com/i/web/status/2015619896923840913 https://twitter.com/i/web/status/2015619896923840913"
X Link 2026-01-26T02:56Z [----] followers, [--] engagements

"Rs [---] a day can quietly change your life You start with just [---] per day = [----] per month You increase it by 10% every year You invest via SIP for [--] years Assume a realistic 12% return Result: Total invested [----] lakh Final value [--] lakh [--] crore Small daily habits can lead to Big financial freedom. #RepublicDayIndia #financialfreedom #SIP #StockMarketIndia https://twitter.com/i/web/status/2015622919792300086 https://twitter.com/i/web/status/2015622919792300086"
X Link 2026-01-26T03:08Z [----] followers, [--] engagements

"I will follow everyone (verified and unverified) who are interested in personal finance and wants to attain financial freedom. Just like or comment. #HappyRepublicDay #RepublicDayIndia"
X Link 2026-01-26T06:07Z [----] followers, [--] engagements

"Should you take an education loan Yes. Should you keep it forever No. An education loan is good debt only if it increases your income. If a 20L degree helps you earn 25L a year smart. If it leaves you with 5L salary financial trap. Rule: Loan interest 8% invest + pay slowly 810% balance 10% repay aggressively #RepublicDay2026 #RepublicDayCelebration #RepublicDay https://twitter.com/i/web/status/2015670189304783074 https://twitter.com/i/web/status/2015670189304783074"
X Link 2026-01-26T06:16Z [----] followers, [--] engagements

"#StockMarketIndia #RepublicDay Home loan rates by different banks. Source: ET wealth"
X Link 2026-01-26T13:45Z [----] followers, [---] engagements

"Most investors dont know this: Flexi-cap & Multi-cap are NOT the same. Flexi-cap - Fund manager can go 100% large cap if markets are risky. Multi-cap - Must invest at least 25% each in Large Mid & Small caps no escape. In bear markets Flexi-caps can protect capital. Multi-caps are forced to bleed. #StockMarketIndia #MutualFunds #RepublicDay #sip https://twitter.com/i/web/status/2015784476748709989 https://twitter.com/i/web/status/2015784476748709989"
X Link 2026-01-26T13:50Z [----] followers, [---] engagements

"Undergraduate Engineering: Cost comparison India: [---] lakh (4 yrs) Canada: [--] lakh [---] Cr UK: [--] lakh [---] Cr USA: [--] Cr [---] Cr+ Same degree. [--] difference in cost. Pick wisely. ROI matters more than rankings. #Engineering #Education #FinancialPlanning https://twitter.com/i/web/status/2016002273944732051 https://twitter.com/i/web/status/2016002273944732051"
X Link 2026-01-27T04:16Z [----] followers, [--] engagements

"Indian Stock Market Multibaggers - One from each year [----] Tata Elxsi (IT + EV theme went crazy) [----] Adani Enterprises (Infra + energy rally) [----] IRFC (Railway PSU re-rating) [----] HAL (Defence boom) [----] Cupid Ltd (Small-cap multibagger 45) #StockMarketIndia #StocksToBuy #StocksInFocus #mutualfunds https://twitter.com/i/web/status/2016061807388196914 https://twitter.com/i/web/status/2016061807388196914"
X Link 2026-01-27T08:12Z [---] followers, [---] engagements

"Bear markets create wealth but only for those with cash. Everyone loves cheap stocks. Very few have money when they are actually cheap. Thats why most people watch bear markets instead of buying them. #StockMarketIndia #StocksToWatch #StockMarketCrash #Budget2026"
X Link 2026-01-27T15:31Z [---] followers, [---] engagements

"Most bad stock decisions are made in FOMO. Most great returns come from waiting. #StocksToWatch #StocksToBuy"
X Link 2026-01-28T01:48Z [----] followers, [---] engagements

"Most people with 15L income should choose the New Tax Regime. Why If you dont fully use these every year: 1.5L (80C) 50K (NPS) HRA / home loan / 80D the Old Regime wont beat the New one. Choose OLD regime only if: ✔ You consistently claim 2.53L+ deductions ✔ You get HRA or have a home loan ✔ Youre a disciplined long-term investor Otherwise: Lower slabs + 75K standard deduction = New Regime wins. #FinancialLiteracy #Budget2026 https://twitter.com/i/web/status/2016354614451569001 https://twitter.com/i/web/status/2016354614451569001"
X Link 2026-01-28T03:36Z [----] followers, [--] engagements

"@nehanagarr Gen Z buys moments Millennials buy memories Legends buy freedom"
X Link 2026-01-28T13:29Z [----] followers, [---] engagements

"Loss Aversion You bought a stock at [---]. It falls to [--]. You dont sell. Not because you believe in it but because booking a loss hurts more than losing money. Thats loss aversion. We fear regret more than bad decisions. In markets protecting ego often costs more than accepting a loss. #StockMarketIndia #StocksInFocus #stocks #BudgetSession https://twitter.com/i/web/status/2016521098557526253 https://twitter.com/i/web/status/2016521098557526253"
X Link 2026-01-28T14:37Z [----] followers, [--] engagements

"Credit Card Defaults in India As of March 2025: For every [---] of credit card debt [--] is overdue by 90+ days a clear sign of rising defaults and repayment stress. Credit card NPAs climbed to [----] cr up 28% in a year. Delinquent balances (90360 days) surged to [-----] cr up 44% YoY. Swipe smart. Repay faster. Debt today can haunt tomorrow. #StockMarketIndia #BudgetSession #BUDGET26 #FinancialFreedom https://twitter.com/i/web/status/2016553178209427732 https://twitter.com/i/web/status/2016553178209427732"
X Link 2026-01-28T16:45Z [----] followers, [--] engagements

"Cost of ULIP vs Term Insurance You want [--] crore life cover for [--] years. Term Plan: Cost: 1012k/year Total cost: [----] lakh ULIP: Cost: [--] lakh/year Total cost: [--] lakh+ Same insurance cover. 10x premium. Higher charges. Lower flexibility. Term insurance buys protection. ULIP sells protection as well as commissions. #insurance #InsuranceAgent #BudgetSession #BUDGET26 https://twitter.com/i/web/status/2016717856004854007 https://twitter.com/i/web/status/2016717856004854007"
X Link 2026-01-29T03:39Z [----] followers, [--] engagements

"#BudgetSession Every Budget promises boost to consumption by reducing your savings"
X Link 2026-01-29T05:17Z [----] followers, [--] engagements

"What could crash silver Global slowdown hits industrial demand Strong dollar / higher rates Profit-taking after a wild run Silver rallies hard and and corrects hard too. #silversqueeze #StockMarketIndia"
X Link 2026-01-29T16:09Z [----] followers, [---] engagements

"Want a strong credit score Its simpler than you think: [--] Pay bills & EMIs on time [--] Keep card usage 30% [--] Mix of loans + cards helps [--] Keep old accounts open [--] Dont spam new applications [--] Check your report regularly [--] Be consistent not perfect #CreditScore #FinanceTips #PersonalFinance #StockMarketIndia https://twitter.com/i/web/status/2016935899196740025 https://twitter.com/i/web/status/2016935899196740025"
X Link 2026-01-29T18:06Z [----] followers, [--] engagements

"#StockMarketIndia Last 1-year index returns (approx): China (SSE Composite): +25% US (S&P 500): +15% India (Sensex): +8% China outperformed US stayed strong India consolidated after a massive rally"
X Link 2026-01-30T02:18Z [----] followers, [--] engagements

"Urban vs Rural India: Household Debt Urban avg debt: [----] L+ Rural avg debt: [----] L approx Urban households carry more debt on average driven by bigger loans (housing consumption). Rural debt is lower but still widespread. #Budget2026 #BudgetSession2026 #BudgetSession"
X Link 2026-01-30T03:04Z [----] followers, [--] engagements

"Good debt vs Bad debt Good debt: helps you earn or grow Education loan Home loan (end-use not speculation) Business loan Bad debt: funds consumption Credit cards Personal loans BNPL / EMIs on gadgets Good debt builds assets. Bad debt builds stress. #Budget2026 #Loans #InterestRates https://twitter.com/i/web/status/2017071992844013863 https://twitter.com/i/web/status/2017071992844013863"
X Link 2026-01-30T03:06Z [----] followers, [--] engagements

"Most losses come from selling winners too early not from holding them too long. #StockMarketIndia #StockslnFocus"
X Link 2026-01-30T03:08Z [----] followers, [--] engagements

"#RetirementPlanning In India retirement security is largely self-funded. See how it stacks against that in US"
X Link 2026-01-30T03:19Z [----] followers, [--] engagements

"Simple personal finance thumb rules: Emergency fund: [---] months expenses Term cover: [----] annual income Health cover: base + super top-up Invest 3040% of income Gold 1015% of net worth Cash needs rules not feelings #FinancialPlanning #FinancialLiteracy #Investment #Budget2026 https://twitter.com/i/web/status/2017123127273410811 https://twitter.com/i/web/status/2017123127273410811"
X Link 2026-01-30T06:30Z [----] followers, [--] engagements

"Common SIP mistakes: Starting without a goal or time horizon Stopping SIPs during market falls No annual step-up (05% when income grows faster) Too many funds no clarity Expecting FD-like safety with equity returns Never reviewing or rebalancing SIPs work best with patience not perfection. #SIP #mutualfunds #StockMarketIndia #StocksInFocus https://twitter.com/i/web/status/2017123693319856455 https://twitter.com/i/web/status/2017123693319856455"
X Link 2026-01-30T06:32Z [----] followers, [--] engagements

"iPhone [--] Pro price comparison: India: [------] (official) China: [------] (converted) Thats roughly [-----] cheaper in China largely due to lower taxes and duties not hardware differences. #Budget2026 #BudgetSession2026"
X Link 2026-01-30T06:36Z [----] followers, [--] engagements

"The national average balance in an Indian savings account is just over [-----]. #Budget2026 #BudgetSession2026 #Budget"
X Link 2026-01-30T07:02Z [----] followers, [--] engagements

"Most investors dont know this simple tax hack in India: Every year you can realise up to [------] Long-Term Capital Gains (LTCG) on equities tax-free. Sell book profit and buy again. Your cost price resets higher. Future tax reduces. This is called LTCG harvesting. It is legal powerful and underused. #StockMarketIndia #mutualfunds #StocksToBuy https://twitter.com/i/web/status/2017203318318366867 https://twitter.com/i/web/status/2017203318318366867"
X Link 2026-01-30T11:48Z [----] followers, [--] engagements

"SIP is not magic. Its just automation. The real magic is what you invest in and how long you stay invested. #StockMarketIndia #mutualfunds #Budget2026 #BudgetSession"
X Link 2026-01-30T15:42Z [----] followers, [--] engagements

"@BaluGorade Max loan is a trap. Max peace of mind comes from higher down payment & smaller EMI"
X Link 2026-01-30T16:46Z [----] followers, [----] engagements

"@Narayani07 For HR: - Position on hold - Looking for more exposure - Budget approval required - Position filled internally Can recruiters come up with some unique excuses please"
X Link 2026-01-30T18:21Z [----] followers, [---] engagements

"StockSageAI Free Calculators Offers free calculators for asset allocation diversification rebalancing & returns (XIRR). No cost no login required. #stockmarketsindia #Budget2026 #StocksToBuy https://www.stocksageai.com/tools/portfolio https://www.stocksageai.com/tools/portfolio"
X Link 2026-01-30T18:31Z [----] followers, [--] engagements

"A home loan is not just fixed/floating x% per year. Thats the biggest misunderstanding. The real cost is APR. It includes interest and all fees. And interest is charged every month on the outstanding loan. In the first few years most of your EMI is interest not principal. Thats why a 50L home loan can easily mean 1Cr paid over [--] years. Banks show you the rate. You should always ask: Whats the APR and total amount Ill repay #loan #FinancialPlanning #FinancialLiteracy #financialadvice https://twitter.com/i/web/status/2017441091361116380 https://twitter.com/i/web/status/2017441091361116380"
X Link 2026-01-31T03:33Z [----] followers, [--] engagements

"A home loan is not just fixed/floating x% per year. Thats the biggest misunderstanding. The real cost is APR. It includes interest and all fees. And interest is charged every month on the outstanding loan. In the first few years most of your EMI is interest not principal. Thats why a 50L home loan can easily mean 1Cr paid over [--] years. Banks show you the rate. You should always ask: Whats the APR and total amount Ill repay #loan #FinancialPlanning #FinancialLiteracy #financialadvice https://twitter.com/i/web/status/2017441094683005211 https://twitter.com/i/web/status/2017441094683005211"
X Link 2026-01-31T03:33Z [----] followers, [--] engagements

"Fixed or Floating home loan Heres the real rule: Go Fixed when: Interest rates are very low You want EMI certainty Youre stretching your budget Go Floating when: Rates are high or peaking You expect rate cuts You plan prepayments Fixed = peace of mind. Floating = long-term savings. If rates fall fixed traps you. If rates rise floating hurts you. #loan #FinancialPlanning #FinancialLiteracy https://twitter.com/i/web/status/2017441369783242965 https://twitter.com/i/web/status/2017441369783242965"
X Link 2026-01-31T03:34Z [----] followers, [--] engagements

"5 things you MUST do before 31st March (India) [--]. Tax Harvesting Book capital gains/losses to optimise tax. Use 1L LTCG exemption. [--]. Max out deductions Finish 80C (1.5L) NPS (80CCD1B) health insurance (80D). [--]. Review portfolio Exit bad stocks/funds. Dont carry dead weight into next year. [--]. Rebalance asset allocation Equity vs Debt vs Gold reset to your target. [--]. Check emergency fund and insurance Liquidity and protection first. Returns come later. #StockMarketIndia #Budget2026 https://twitter.com/i/web/status/2017451377228976403 https://twitter.com/i/web/status/2017451377228976403"
X Link 2026-01-31T04:14Z [----] followers, [--] engagements

"#StockMarketIndia #StocksToBuy Valuation only makes sense relative to the sector and its history"
X Link 2026-01-31T04:22Z [----] followers, [--] engagements

"@The_MMW Step 2: Build an emergency fund Step 6: Insure before you invest"
X Link 2026-01-31T04:26Z [----] followers, [--] engagements

"@AdityaD_Shah If you want to build a financial plan - http://wealthsuite.in http://wealthsuite.in"
X Link 2026-01-31T05:05Z [----] followers, [--] engagements

"Why does "official" inflation feel lower than your actual bills Its all in the math. The 1980s formula vs. Today: Substitution: Old CPI tracked the same steak; Todays CPI assumes you switched to chicken because steak got too pricey. Housing: Old CPI used home prices/mortgage rates; Today uses "Owner's Equivalent Rent" (a theoretical rental value). Quality: "Hedonic adjustments" now lower reported inflation if a product (like a phone) improves even if the price goes up. The Result If we still used the 1980s formula reported inflation would likely be 6-8% higher than what the gov says today."
X Link 2026-01-31T05:20Z [----] followers, [--] engagements

"#Rupee #Dollar #Budget The Indian Rupee has lost 96% its value since [----] $100 in [----] is equivalent in purchasing power to about $2479.69 today an increase of $2379.69 over [--] years. The rupee had an average inflation rate of 7.23% per year between [----] and today producing a cumulative price increase of 2379.69%. https://twitter.com/i/web/status/2017469157143687203 https://twitter.com/i/web/status/2017469157143687203"
X Link 2026-01-31T05:25Z [----] followers, [--] engagements

"#Budget2026onDD The Union Budget [------] will be the first in India's history to be presented on a Sunday. Finance Minister Nirmala Sitharaman will present her ninth consecutive budget setting a record for the most consecutive presentations by a single Finance Minister"
X Link 2026-01-31T05:43Z [----] followers, [--] engagements

"Ever tried to pay a bill but your bank balance was [--] An Overdraft is your bank's "safety net." It lets you spend more than you have up to a limit. Think of it as a pre-approved mini-loan built into your account. Should you use it YES for: 1-week cash gaps avoiding bounced cheque fees or [--] AM emergencies. NO for: Long-term shopping or big purchases (interest adds up FAST ). Pro-tip: You only pay interest on the exact amount you use. Repay it fast to keep costs near zero. #FinanceTips #Banking #Overdraft #MoneyManagement #FinancialPlanning https://twitter.com/i/web/status/2017488131902345554"
X Link 2026-01-31T06:40Z [----] followers, [--] engagements

"#silvercrash #Budget2026 #budgetonawaaz People cant track their monthly expenses but want to fix the countrys fiscal deficit"
X Link 2026-01-31T08:06Z [----] followers, [---] engagements

"#StockMarketIndia Always pair P/E with earnings growth ROE debt and industry context before you judge valuation"
X Link 2026-01-31T08:26Z [----] followers, [--] engagements

"EMI should not exceed 3040% of your monthly income. Up to 30% -- Comfortable 3040% -- Stretch but manageable 4050% -- Risky 50%+ -- Financial stress guaranteed Banks may approve up to 5060% but just because you can borrow doesnt mean you can afford. #emi #loan #BudgetWithCNBCTV18 https://twitter.com/i/web/status/2017585595577700694 https://twitter.com/i/web/status/2017585595577700694"
X Link 2026-01-31T13:07Z [----] followers, [--] engagements

"@Codie_Sanchez Only WITCH companies are safe W - Wipro I - Infosys T - TCS C - Cognizant H - HCL"
X Link 2026-01-31T17:50Z [----] followers, [--] engagements

"@theparthrastogi I will give you my money to invest if you can grow it by 6% every month"
X Link 2026-01-31T17:53Z [----] followers, [---] engagements

"#StockMarketIndia #StocksToBuy #Budget #BudgetSession2026 Rules of the game for Feb [--] (Budget Day) and Feb 2"
X Link 2026-01-31T18:51Z [----] followers, [--] engagements

"Every Union Budget creates buzz in the same few sectors: - Infra & Capital Goods - Banking & NBFCs - Agriculture & Rural - Defence & Manufacturing - Railways & Transport - Real Estate & Housing - Renewable Energy & EV #Budget2026 #Budget #BudgetSession2026"
X Link 2026-02-01T03:58Z [----] followers, [---] engagements

"How to read GST growth numbers: GST Growth - What it implies 5% : Economy is sluggish 58% : Stable growth 812% : Healthy expansion 12% : Strong demand / boom (Assuming inflation 46%) #Budget2026 #GST #BudgetSession2026 #BudgetDay"
X Link 2026-02-01T05:09Z [----] followers, [---] engagements

"@IndianIndex Mumbai - Hyderabad goes through Pune only. So [--] & [--] should be combined"
X Link 2026-02-01T06:09Z [----] followers, [---] engagements

"#NirmalaSitharaman #Budget #Budget2026 How to read fiscal deficit numbers (for emerging markets): 3% Very strong 34% Healthy 45% Acceptable 6% Risky So India at 4.4% = acceptable not perfect"
X Link 2026-02-01T06:37Z [----] followers, [---] engagements

"@marinebharat Falling debt-to-GDP can improve Indias rating outlook and investor confidence"
X Link 2026-02-01T07:04Z [----] followers, [----] engagements

"@investing_t20 Time horizon alone is a poor way to decide asset allocation. [--] years is not long term for equity drawdowns can still wipe returns. Real framework should be: Emergency fund - Goal type - Risk capacity - Then time"
X Link 2026-02-02T14:42Z [----] followers, [--] engagements

"#StockMarketIndia Gapup opening today. Sectors to watch Pharma Textiles Auto components IT hardware Chemicals #StocksToBuy"
X Link 2026-02-03T01:46Z [----] followers, [--] engagements

"#StockMarketIndia India still faces higher tariffs than Mexico Vietnam EU. US average import tariff is 23%. So this helps US inflation more than Indian competitiveness. Global FTAs operate at 05%. #tariff"
X Link 2026-02-03T01:50Z [----] followers, [--] engagements

"When US Federal Reserve raises rates: - US bonds yield 45% risk-free - Emerging markets look risky - Dollar strengthens So FIIs pull money from India and go back to US assets. 18% tariff is still not competitive for them. Tariff reduction improves short-term confidence. #StockMarketIndia #StocksToTrade https://twitter.com/i/web/status/2018543114840056225 https://twitter.com/i/web/status/2018543114840056225"
X Link 2026-02-03T04:32Z [----] followers, [--] engagements

"@dhawal20jain NIFTY BEES Large-cap India BANK BEES Mostly already inside NIFTY JUNIOR BEES (Next 50) Semi-large caps MIDCAP [---] BEES Midcaps You are basically doubling and tripling exposure to the same economic factors"
X Link 2026-02-03T14:32Z [----] followers, [---] engagements

"How much Term Insurance do you really need (Not random [--] Cr / [--] Cr) Most people buy term insurance like this: Salary [--] or [--] times Thats lazy math. Correct way to calculate: Term Cover = Outstanding Liabilities Future Family Expenses Kids Education & Marriage Inflation buffer Existing Savings & Investments Example: Monthly expense = [-----] Annual = 7.2L 7.2L [--] = [---] Cr Home loan = 40L Savings = 30L Ideal cover [----] Cr #FinancialPlanning #loan #insurance https://twitter.com/i/web/status/2018731921132621974 https://twitter.com/i/web/status/2018731921132621974"
X Link 2026-02-03T17:02Z [----] followers, [--] engagements

"#StockMarketIndia #StocksToBuy Big trouble for IT services and data companies. All ADRs down. Accenture -10% Capgemini SE -10%"
X Link 2026-02-03T17:41Z [----] followers, [---] engagements

"@Pivot2Centre Most of the companies have reduced their QA headcount. IT companies have stopped backfilling a lot of roles. This is when GenAI has not reached that level of maturity"
X Link 2026-02-04T05:29Z [----] followers, [---] engagements

"Savings is safe. Investing is smart. #StockMarketIndia #StocksToBuy"
X Link 2026-02-04T10:39Z [----] followers, [--] engagements

"Richest Indians - Jan [----] [--]. Mukesh Ambani $120B Reliance: energy retail telecom. Still miles ahead. [--]. Gautam Adani $85B Ports power infra. Comeback fully priced in. [--]. Savitri Jindal & family $40B Steel + power. Quiet old-school wealth. [--]. Shiv Nadar $38B HCL founder. Tech wealth that actually compounded. [--]. Sunil Mittal & family $34B Bharti Airtel. Telecom cycles long-term vision. https://twitter.com/i/web/status/2019002308731052147 https://twitter.com/i/web/status/2019002308731052147"
X Link 2026-02-04T10:57Z [----] followers, [---] engagements

"Think 50000/month is just okay Think again. Heres the power of EPF compounding: Current Basic + DA: [-----] Age: [--] Retirement [--] Annual increment: 8% EPF contribution: 12% employee + 12% employer Interest rate: 8.65% If you stay consistent by [--] your EPF can grow to [--] crore. Access my EPF calculator - #FinancialPlanning #EPF #FinancialFreedom https://www.wealthsuite.in/epf-calculator https://www.wealthsuite.in/epf-calculator"
X Link 2026-02-04T11:02Z [----] followers, [--] engagements

"Most people know P/E. Very few understand PEG. PEG = (P/E ratio) (Earnings growth rate) Example: Stock P/E = [--] Expected earnings growth = 15% PEG = [--] [--] = [--] What it tells you: PEG adjusts valuation for growth. PEG [--] - Growth is cheap PEG [--] - Fairly valued for its growth PEG [--] - Youre paying a premium for growth Why PEG matters: High P/E isnt bad if growth supports it. Low P/E isnt cheap if growth is dead. #StockMarketIndia #StocksToBuy https://twitter.com/i/web/status/2019075733960921345 https://twitter.com/i/web/status/2019075733960921345"
X Link 2026-02-04T15:49Z [----] followers, [--] engagements

"Nifty IT weight in Nifty 50: 1820% Key stocks inside Nifty: TCS: 9% Infosys: 7% HCL Tech: 2% Tech Mahindra: 1.5% Wipro: 1% Total IT = 20% of Nifty So impact is simple math: Nifty IT +1% Nifty +0.2% Nifty IT +5% Nifty +1% Nifty IT +10% Nifty +2% Meaning: Every big move in Nifty is actually US tech cycle + USD/INR + Indian IT earnings. Nifty isnt just an Indian index. Its 20% Nasdaq in disguise. #StockMarketIndia #NIFTYIT #Nifty50 #niftyOptions https://twitter.com/i/web/status/2019082958406336679 https://twitter.com/i/web/status/2019082958406336679"
X Link 2026-02-04T16:17Z [----] followers, [---] engagements

"#CTC #FinancialPlanning #SalaryIssue"
X Link 2026-02-05T05:21Z [----] followers, [--] engagements

"Some people call themselves financial planners but the plan goes like this: Markets give 12% bro Inflation Silent Sequence of returns Never heard of her XIRR Confused Excel noises Tax Well see later Excel shows [--] Cr. Real life shows lifestyle cuts. #FinancialPlanning https://twitter.com/i/web/status/2019469997396091308 https://twitter.com/i/web/status/2019469997396091308"
X Link 2026-02-05T17:55Z [----] followers, [--] engagements

"@theparthrastogi Ah yes the legendary strategy: Price down - keep buying Price up - panic sell Fundamentals - optional Risk management - vibes only Works great on Excel screenshots and bull markets. In real life its just confidence without a seatbelt. WhatsApp financial planner"
X Link 2026-02-05T17:59Z [----] followers, [--] engagements

"In India you dont get rich to enjoy luxuryyou get rich to survive properly. Healthcare Good schools Clean air Legal help Dignity in old age None of these are truly public goods anymore. Theyre paywalled. #StockMarketIndia #FinancialPlanning"
X Link 2026-02-06T03:42Z [----] followers, [--] engagements

"Being ignorant feels cheap upfront but the bill arrives later with interest. #StockMarketIndia #StocksToBuy"
X Link 2026-02-06T05:46Z [----] followers, [--] engagements

"@VishnuFNO If you have [--] Cr+ and still skip health insurance youre not smart youre self-insuring at the most expensive possible cost"
X Link 2026-02-06T07:59Z [----] followers, [---] engagements

"@ayushpranav3 50L at [--] growing at 12% for [--] years is8.59 Cr by age [--]. Thats still less than [--] Cr at [--]. [---] Cr (post-tax)"
X Link 2026-02-06T09:55Z [----] followers, [---] engagements

"@MoneyQuotesX Income is what makes you feel rich on the 1st. Wealth is what lets you sleep on the 30th"
X Link 2026-02-06T11:25Z [----] followers, [--] engagements

"#NIFTYIT #Nifty #StockMarketIndia [--] years in IT. Worked through dot-com offshoring panic cloud panic now GenAI panic. AI will change workflows not wipe out IT. Clients still need integration security compliance domain context. Also replacing people with AI isnt cheap. infra licenses maintenance errors security risks add up fast. IT stocks are overreacting https://twitter.com/i/web/status/2019764250923995516 https://twitter.com/i/web/status/2019764250923995516"
X Link 2026-02-06T13:24Z [----] followers, [---] engagements

"Everyone wants to beat the market. So they: trade more panic more overthink more And somehow end up underperforming an index fund they mocked. Investing is mostly just not sabotaging yourself. #StockMarketIndia #StockMarketCrash #StocksToTrade #StocksToBuy"
X Link 2026-02-06T15:11Z [----] followers, [--] engagements

"Financial planning isnt about getting rich. Its about sleeping peacefully at night saying yes to moments that matter and knowing your family will be okay even if life doesnt go as planned. #FinancialFreedom #FinancialPlanning"
X Link 2026-02-06T15:36Z [----] followers, [--] engagements

"Claude doesnt ship production code engineers do Someone reviews debugs secures deploys and owns failures 10k tool zero effort zero stress zero accountability One bad AI suggestion in prod = months of cleanup And no managers dont pay 3L/month for sipping coffee AI boosts productivity. It doesnt remove responsibility. https://twitter.com/i/web/status/2019807883077288366 https://twitter.com/i/web/status/2019807883077288366"
X Link 2026-02-06T16:18Z [----] followers, [---] engagements

"Good financial planning isnt about best-case returns. Its about surviving worst-case realities"
X Link 2026-02-07T04:31Z [----] followers, [--] engagements

"@Ronitper Money is a tool not a morality test. Financial discipline matters but so does actually living"
X Link 2026-02-07T06:18Z [----] followers, [--] engagements

"@Randeep_Sisodia WhatsApp Economics GDP rank isnt a report card. [----] India was big because it was poor & populous not rich. Post-war world new countries China entering markets all changed rankings. Comparing [----] rankings to [----] is like comparing test cricket scores to T20 strike rates"
X Link 2026-02-07T06:34Z [----] followers, [---] engagements

"@Xprofessorrr No good content no timing no consistency no luck. Just reply and manifest"
X Link 2026-02-07T07:34Z [----] followers, [--] engagements

"If your financial plan works only on Instagram and not on a calculator its not a plan its content. I use actual financial calculators for retirement goals and cash flows. Do the math yourself #Finance #FinancialFreedom #FinancialLiteracy #nifty http://wealthsuite.in http://wealthsuite.in http://wealthsuite.in http://wealthsuite.in"
X Link 2026-02-07T09:46Z [----] followers, [--] engagements

"Everyone is obsessed with which AI is smarter. OpenClaw quietly changes how work gets done. #AI Run locally. Full control. No black boxes. Build agents automate workflows ship faster. https://openclaw.ai/ https://openclaw.ai/"
X Link 2026-02-07T10:50Z [----] followers, [--] engagements

"Everyone these days is an AI expert. What they actually do - Write prompts. No systems. No workflows. No ownership. Prompting isnt expertise building with AI is. #AI #GrokAI #LLM"
X Link 2026-02-07T10:52Z [----] followers, [--] engagements

"Auto telecom NBFCs are deeply cyclical. Bharti Airtel and Tata Motors have already seen multi-year drawdowns. Long-term wealth is not built by holding quality businesses. Its built by buying them at sensible valuations reviewing them regularly and knowing when quality becomes expensive. https://twitter.com/i/web/status/2020090268675166431 https://twitter.com/i/web/status/2020090268675166431"
X Link 2026-02-07T11:00Z [----] followers, [---] engagements

"#Finance #StockMarketIndia The first rule of financial planning: dont trust stock advisors or influencers. They dont know your goals cash flows or risk capacity. Incentives arent aligned. Plans are personal. Advice on the internet isnt"
X Link 2026-02-07T11:17Z [----] followers, [--] engagements

"1 Crore in [--] Years Goal: [--------] Time: [--] years Assumed return: 15% CAGR Required SIP: [------] / month One bad year = goal missed. SIPs reduce timing risk not market risk. #FinancialFreedom #FinancialPlanning #SIP"
X Link 2026-02-07T15:02Z [----] followers, [--] engagements

"#AI #GenAI In DXs industry analysis across large orgs about 22% of merged code is genuinely AI-authored i.e. generated by AI and merged with minimal human rewrite"
X Link 2026-02-07T16:01Z [----] followers, [--] engagements

"#AI #GenAI AI is clearly boosting engineering output and helping write more code but the idea that AI writes most code or doubles developer productivity across the board is not supported by measured real-world data yet"
X Link 2026-02-07T16:14Z [----] followers, [--] engagements

"Nest Egg Theory The nest egg theory says you accumulate a lump sum by retirement. That corpus stays invested and generates returns. You withdraw regularly to fund expenses. It works only if returns beat inflation taxes and withdrawals. Bad market years or living longer than planned can break it. Retirement is managing cash flows not just hitting a number. #FinancialPlanning #retirementplanning https://twitter.com/i/web/status/2020183309075247213 https://twitter.com/i/web/status/2020183309075247213"
X Link 2026-02-07T17:10Z [----] followers, [--] engagements

"#AI #GenAI #NIFTYIT India has [--] million IT employees. A large majority earn above the basic exemption and pay income tax via TDS. At [--] LPA tax is 40k (4%). At [--] LPA tax is 2L (10%). At [--] LPA tax is 5L (16%) plus cess"
X Link 2026-02-08T02:34Z [----] followers, [---] engagements

"@The_GreatBonnie Calculators didnt kill math they killed people who couldnt think mathematically. AI does the same to programmers"
X Link 2026-02-08T02:35Z [----] followers, [--] engagements

"@TheArnabSaha Real exam is AWS Solution Architect Professional"
X Link 2026-02-08T02:39Z [----] followers, [---] engagements

"@pcshipp It's called Prompt Engineering and not copy paste 😕"
X Link 2026-02-08T04:34Z [----] followers, [--] engagements

"There is NO GST gap like 18% vs 40% between Nexon and Brezza Tax on cars is based on vehicle length engine size and fuel type. Cars [--] metres GST 28% + cess Petrol 1200cc / Diesel 1500cc - Total 2931% Cars [--] metres GST 28% + higher cess - Total 4350% Nexon and Brezza are both sub-4m SUVs https://twitter.com/i/web/status/2020373518970679598 https://twitter.com/i/web/status/2020373518970679598"
X Link 2026-02-08T05:45Z [----] followers, [----] engagements

"@AlphaWizarDD Stupid Father Son Duo. Father bought land: 50L (2004) Son built duplex: [----] cr (2022) Today: 1.5L rent + [--] cr property Same 50L in equity @14% - [---] cr by [----] Run SWP 1.5L/month for [--] years - 6+ cr corpus still left in 2026"
X Link 2026-02-08T08:03Z [----] followers, [----] engagements

"@nsinghal211 12% monthly returns means your money grows 4x every year. At that rate by retirement you own the country"
X Link 2026-02-08T09:15Z [----] followers, [---] engagements

"Everyone shares multibaggers. No one shares the graves. [--] lakh invested [--] yrs ago: Kingfisher Airlines - [--] Reliance Communications - [--] DHFL - [--] Jet Airways - [--] Suzlon Energy - 35k Brighcom YesBank Vodafone etc. there are many. #investing #MultiBagger #Stocks"
X Link 2026-02-09T02:06Z [----] followers, [---] engagements

"Stop planning for returns. Start planning for goals. Money needed in [--] years is not equal to Money needed in [--] years. Same SIP. Same fund. Very different risk. Goal-based planning isnt exciting. But it keeps you invested when markets test patience. #FinancialFreedom #SIP"
X Link 2026-02-09T03:48Z [----] followers, [--] engagements

"Most people think health insurance = full healthcare. Reality is very different. Health insurance usually does NOT cover OPD visits & regular medicines Dental vision hearing aids Therapy & mental health OPD IVF fertility treatments Cosmetic & aesthetic procedures Vitamins supplements tonics Obesity treatment (unless critical) Alcohol/drug related hospitalisation Experimental treatments Health insurance in India = hospitalisation cover not healthcare. Build a medical buffer. Read the fine print. #HealthInsurance #insurance #FinancialLiteracy https://twitter.com/i/web/status/2020736405610344747"
X Link 2026-02-09T05:47Z [----] followers, [--] engagements

"@multibaggerwala This is a stupid idea. Mutual funds dont guarantee returns in [--] months. One market dip and youre paying EMIs while your money is down. Add tax exit load and hidden EMI costs and the profit vanishes. Borrowing to invest short-term for a phone isnt smart its dumb luck"
X Link 2026-02-09T07:22Z [----] followers, [----] engagements

"@mahanot_dikshit Indias long-term CPI inflation averages 56% not [--] or [--]. [--] LPA (2010) - [--] LPA today [--] LPA - [----] LPA [--] LPA - [----] LPA [--] LPA - [----] LPA So yes numbers moved up but not [--] is new [--] nonsense"
X Link 2026-02-09T11:37Z [----] followers, [--] engagements

"Personal loans dont fund dreams. They monetise impatience. If a goal is important enough it deserves planning & saving not 12% interest. Convenience today. Pressure tomorrow. #personalloan #loan #FinancialPlanning"
X Link 2026-02-09T12:46Z [----] followers, [--] engagements

"Guaranteed investment policies are guaranteed losses if you surrender early. Endowment money-back child plans: Surrender in first [--] yrs - get 3050% of money back Effective returns: 03% (sometimes negative) Inflation eats the rest Guaranteed for insurers. Locked for investors. If liquidity matters avoid these products. #FinancialPlanning #FinancialLiteracy #SuperBowl https://twitter.com/i/web/status/2020872600956899662 https://twitter.com/i/web/status/2020872600956899662"
X Link 2026-02-09T14:49Z [----] followers, [--] engagements

"An average Indian in the 30% tax slab pays more tax than people realise. He works [--] months in an year for the Government. Example: 30L income Income tax + cess : 6.8L GST fuel taxes insurance travel : 3.2L Total tax [--] lakh / year Thats 33% of income gone. No free healthcare No free education No social security European taxes. Developing country services. #FinancialPlanning #tax https://twitter.com/i/web/status/2021064013787038117 https://twitter.com/i/web/status/2021064013787038117"
X Link 2026-02-10T03:29Z [----] followers, [--] engagements

"Calculate your per-hour income. It will fix your spending habits faster than any budget app. Example: 20L take-home / year [----] per working hour Now ask yourself: Is this food worth [--] hour of my life Is this gadget worth [--] days of work Is this impulse buy worth my Monday morning Money spent = time already gone. Once you see expenses in hours not rupees waste drops automatically. Time Money. #FinancialPlanning #FinancialLiteracy #StocksToBuy https://twitter.com/i/web/status/2021077569978933319 https://twitter.com/i/web/status/2021077569978933319"
X Link 2026-02-10T04:23Z [----] followers, [--] engagements

"@Govindtwtt Pay is driven by skills relevancy and market demand not years served. Two devs with the same experience can have a [--] pay gap. [----] LPA is top-tier not a default outcome. Stop this nonsense"
X Link 2026-02-10T09:59Z [----] followers, [---] engagements

"Most street vendors and drivers quote gross earnings not net income. From that deduct: Fuel Vehicle EMI / maintenance Platform commission (Uber Ola Zomato Swiggy) Stall rent / police fines / spoilage No paid leave no PF no insurance Net income is often 3050% lower than the headline number. https://twitter.com/i/web/status/2021471444262076806 https://twitter.com/i/web/status/2021471444262076806"
X Link 2026-02-11T06:28Z [----] followers, [--] engagements

"@Portfolio_Bull No mention of: Health insurance Emergency fund Parents support Mobile/internet Fuel/transport Medical expenses Annual expenses (festivals gifts repairs) Inflation This isnt a financial plan. Its a Pinterest budget"
X Link 2026-02-12T03:33Z [----] followers, [---] engagements

"It's a WITCH hunt W - Wipro I - Infosys T - TCS C - Cognizant H - HCL #niftyIT #niftyOptions #StocksInFocus #Nifty50"
X Link 2026-02-12T03:40Z [----] followers, [---] engagements

"DO NOT buy any AI course. Don't waste your money. There is lot of free content available. #AI #genAI"
X Link 2026-02-12T03:44Z [----] followers, [--] engagements

"@nsinghal211 Why do you copy other's post"
X Link 2026-02-13T16:52Z [----] followers, [--] engagements

"@me__kaushik Growing at 6.4% from a lower base is easier than growing at 2% from a $27T economy. Comparing India and the US like this is apples vs aircraft carriers"
X Link 2026-02-07T11:12Z [----] followers, [--] engagements

"Inflation isnt one number. Food: 67% Education: 1012% Healthcare: 810% Housing & rent: 79% Lifestyle & services: 8%+ Average inflation doesnt pay your bills. #inflation #financialplanning"
X Link 2026-02-08T12:37Z [----] followers, [--] engagements

"@Surendar__05 No difference in Accenture and Deloitte but between them I will choose Deloitte. Among these [--] even if it is non-tech I will choose Google"
X Link 2026-02-14T07:22Z [----] followers, [--] engagements

"Hybrid MF at 12% CAGR for [--] years Thats wildly optimistic. Most hybrid funds average 79% historically. Ignoring taxes on MF gains (1015% on capital gains) Ignoring insurance maintenance registration fuel and depreciation. Loan EMI [-----] eats into disposable income You need to improve your maths. https://twitter.com/i/web/status/2022574306262495726 https://twitter.com/i/web/status/2022574306262495726"
X Link 2026-02-14T07:31Z [----] followers, [---] engagements

"@Keval_IM You left TCS not Google or Microsoft or Meta. Relax"
X Link 2026-02-14T07:32Z [----] followers, [---] engagements

"Why early prepayment is important Vijay takes a [--] lakh home loan Tenure: [--] years Interest rate: 8% Heres what the math says EMI [-----] per month Total payment over [--] years [----] lakh Total interest paid [----] lakh Now the interesting part - amortization Interest paid in first [--] years: [--] lakh Interest paid in last [--] years: [---] lakh Same EMI. But almost 2x more interest paid in the first half. Thats how front-loaded interest works. Early prepayments save disproportionately more money. #homeloan #emi #FinancialPlanning"
X Link 2026-02-13T16:45Z [----] followers, [--] engagements

"@talok253 Those numbers are heavily inflated and misleading. [-----] LPA is not the average salary in Bengaluru its closer to top-tier or niche roles (FAANG staff engineers or high-experience hires). The true average across all engineers is much lower"
X Link 2026-02-15T03:20Z [----] followers, [---] engagements

"US Household Debt (latest): Total: $18.6 trillion Avg per household: $105000 Breakdown: Mortgages: $13T Student loans: $1.6T Auto loans: $1.6T Credit cards: $1.2T America doesnt have a spending problem. It has a leverage-based lifestyle. #FinancialPlanning #USA"
X Link 2026-01-30T04:17Z [----] followers, [--] engagements

"@Portfolio_Bull This is fake and premature. The 8th Pay Commission hasnt even submitted recommendations yet"
X Link 2026-02-15T03:21Z [----] followers, [----] engagements

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