# ![@LarissaFernand Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::50605576.png) @LarissaFernand MoneyTalkWithL

MoneyTalkWithL posts on X about money, india, investment, stocks the most. They currently have [------] followers and [----] posts still getting attention that total [---------] engagements in the last [--] hours.

### Engagements: [---------] [#](/creator/twitter::50605576/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::50605576/c:line/m:interactions.svg)

- [--] Week [---------] +2,769%
- [--] Month [---------] +6,680%
- [--] Months [---------] +711%
- [--] Year [----------] +55%

### Mentions: [--] [#](/creator/twitter::50605576/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::50605576/c:line/m:posts_active.svg)

- [--] Months [---] +9.50%
- [--] Year [---] -54%

### Followers: [------] [#](/creator/twitter::50605576/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::50605576/c:line/m:followers.svg)

- [--] Week [------] -0%
- [--] Month [------] +0.20%
- [--] Months [------] +2.10%
- [--] Year [------] +4.80%

### CreatorRank: [-------] [#](/creator/twitter::50605576/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::50605576/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [countries](/list/countries)  [technology brands](/list/technology-brands)  [stocks](/list/stocks)  [social networks](/list/social-networks)  [travel destinations](/list/travel-destinations)  [currencies](/list/currencies)  [automotive brands](/list/automotive-brands)  [celebrities](/list/celebrities)  [cryptocurrencies](/list/cryptocurrencies) 

**Social topic influence**
[money](/topic/money), [india](/topic/india), [investment](/topic/investment), [stocks](/topic/stocks), [retirement](/topic/retirement), [debt](/topic/debt), [inflation](/topic/inflation), [asset allocation](/topic/asset-allocation), [insurance](/topic/insurance), [twitter](/topic/twitter)

**Top accounts mentioned or mentioned by**
[@investmutual](/creator/undefined) [@actusdei](/creator/undefined) [@vivekinvestor](/creator/undefined) [@stocksin](/creator/undefined) [@contrarianeps](/creator/undefined) [@dmuthuk](/creator/undefined) [@prosaicview](/creator/undefined) [@indianviking1](/creator/undefined) [@jaganmsna](/creator/undefined) [@balugorade](/creator/undefined) [@deepakshenoy](/creator/undefined) [@saurabhneema1](/creator/undefined) [@ppfas](/creator/undefined) [@stableinvestor](/creator/undefined) [@awealthofcs](/creator/undefined) [@kendheswapnil](/creator/undefined) [@dattaarvind](/creator/undefined) [@chanderbhatia01](/creator/undefined) [@gurjota](/creator/undefined) [@loquaciouslion](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Quant (QNT)](/topic/quant) [Gains (GAINS)](/topic/gains) [Morgan Stanley (MS)](/topic/morgan-stanley)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@unknowncorner Cc @BillAckman"  
[X Link](https://x.com/LarissaFernand/status/1050781129395953664)  2018-10-12T16:11Z 22.9K followers, [--] engagements


"@dhema1 @quantifyindia Also when you say zero how will the advisor earn Commissions from the AMC"  
[X Link](https://x.com/LarissaFernand/status/1051718219004829696)  2018-10-15T06:15Z 22.9K followers, [--] engagements


"@KhamoshVIVEK @aaravmeanspeace @ProsaicView Met someone who pays Rs1L as rent in Bandra-Khar. Lovely apartment. Was advised to buy a home & use that for EMI. A 1cr loan 20-yr tenure 8% interest will require an EMI of [-----]. Now where will he get a pad in Bombay for [--] Cr Not in current locality"  
[X Link](https://x.com/LarissaFernand/status/1149903948762902528)  2019-07-13T04:50Z 23K followers, [--] engagements


"@Suzlon Oct [--] 2012: Defaulted on $221mn foreign currency convertible bonds (FCCBs). The biggest default by an Indian company then. Mar 2019: Hired Houlihan Lokey (investment banker) to restructure its FCCBs Oct [--] [----] Has to pay back $172mn FCCBs Let's see tomorrow"  
[X Link](https://x.com/LarissaFernand/status/1150726782762377218)  2019-07-15T11:20Z 22.7K followers, [--] engagements


"Where would you rather be The forest or the ocean"  
[X Link](https://x.com/LarissaFernand/status/1483424869220237314)  2022-01-18T13:03Z 23K followers, [---] engagements


"@TheMFGuy1 Everyones favourite AMC was Axis. Then Mirae Asset. Now its PPFAS. 😁"  
[X Link](https://x.com/LarissaFernand/status/1732453247242432547)  2023-12-06T17:33Z 23K followers, [----] engagements


"Whirlpool parent to sells 24% stake to bring their share ownership down to 51% in India. Reason by CEO Marc Bitzer: when our share is trading at [--] times multiple much higher than the global parent its an asset arbitrage. Meanwhile mutual fund ownership: https://youtu.be/cwZtEDorrccsi=1AZ7sk71ORtTXh3I https://youtu.be/cwZtEDorrccsi=1AZ7sk71ORtTXh3I"  
[X Link](https://x.com/LarissaFernand/status/1762311651355955419)  2024-02-27T03:00Z 23K followers, 10.9K engagements


"Read this thread. Almost every middle class family must be having an LIC endowment policy. Is it really worth it On maturity date Units : [-------] NAV : [---------] Valuation : INR [----------] vs LIC maturity of INR [------] A notional loss of INR [-----] lakhs. Wonder how many other middle-class people would have lost wealth buying LIC policies. On maturity date Units : [-------] NAV : [---------] Valuation : INR [----------] vs LIC maturity of INR [------] A notional loss of INR [-----] lakhs. Wonder how many other middle-class people would have lost wealth buying LIC policies"  
[X Link](https://x.com/LarissaFernand/status/1859976191878508913)  2024-11-22T15:04Z 23K followers, [----] engagements


"WhatsApp 😂😂😂"  
[X Link](https://x.com/LarissaFernand/status/1886275616976113743)  2025-02-03T04:48Z 23K followers, 24.3K engagements


"Naren strikes again. Hes consistent in his messaging. Protect gains made over the past [--] years. Those choosing SIP route avoid mid & small caps"  
[X Link](https://x.com/LarissaFernand/status/1888947484728123515)  2025-02-10T13:45Z 22K followers, 101.9K engagements


"Have small caps (as a category) ever been so ardently debated"  
[X Link](https://x.com/LarissaFernand/status/1889532718083453292)  2025-02-12T04:31Z 23K followers, [----] engagements


"Gems from Parag Parikh: There's a difference between Value in Use (eg water) & Value in Exchange (eg diamond). If someone is dying it's more useful to offer them water than diamonds. But the diamond has a great amount of exchange value. How this applies to investing. 1/"  
[X Link](https://x.com/LarissaFernand/status/1889675315644870664)  2025-02-12T13:57Z 22K followers, 140.2K engagements


"We often hear that Fear & Greed are the worst emotions an investor can fall prey to. True. But the problem is that while they may not overwhelm they certainly trick & mislead. #MoneyTalkWithL"  
[X Link](https://x.com/LarissaFernand/status/1889690934188654703)  2025-02-12T15:00Z 22K followers, [----] engagements


"@KapilV_B @moneycontrolcom Ohhh I dont think the idea was to understand fund house behaviour. Not at all. Just to look at the current exposure. Thats it"  
[X Link](https://x.com/LarissaFernand/status/1890013905050808362)  2025-02-13T12:23Z 22K followers, [--] engagements


"Nuances of money decisions fascinate me. Met a friend for lunch. [--] kids monthly school fees =50000 (excluding exam fees bus field trips). Rent =1 lakh/month. She was thinking of taking up a full-time job to upgrade their lifestyle. High fixed costs restricts freedom"  
[X Link](https://x.com/LarissaFernand/status/1890051113703059875)  2025-02-13T14:51Z 22K followers, [----] engagements


"Market predictions are hilarious"  
[X Link](https://x.com/LarissaFernand/status/1890264075885797613)  2025-02-14T04:57Z 22K followers, 185.5K engagements


"Friend married a Britisher & they have been visiting Goa frequently over the past [--] years. This time the foreigner said hes done. Why *Dirtier than before *Much more crowded *Transport always an expensive hassle *Staying is expensive *Overall less value for money"  
[X Link](https://x.com/LarissaFernand/status/1890348279050776857)  2025-02-14T10:32Z 22K followers, [----] engagements


"More & more Im realising how naive I was to only view wealth in monetary terms when I was young. There are so many unseen layers of wealth that enrich ones life. #MoneyTalkWithL"  
[X Link](https://x.com/LarissaFernand/status/1890401931882791140)  2025-02-14T14:05Z 22K followers, [----] engagements


"Folks say its easy to waste money when using cash or UPI. Ever since I started documenting where my money goes (under broad headings on an excel sheet) I find that the mode of expenditure is irrelevant. The excel sheet is a damn good reality check. Keeps me on track"  
[X Link](https://x.com/LarissaFernand/status/1891158137748566199)  2025-02-16T16:10Z 22K followers, [----] engagements


"@Sameer097897041 @Sumaira_SBIMF @SBIMF What you say is right. But I ts a starting point for young people to save from their pocket money. Or someone from a really underprivileged background. Once they get the discipline of investing and earnings go up they can always increase the amounts"  
[X Link](https://x.com/LarissaFernand/status/1891460905646350478)  2025-02-17T12:13Z 22K followers, [--] engagements


"@AvirupM42 @sanjeevsanyal Check the video where Smriti Irani talks about USAID as its brand ambassador. Dont expect politicians to be clean"  
[X Link](https://x.com/LarissaFernand/status/1891841804548309020)  2025-02-18T13:26Z 22K followers, [--] engagements


"@SaanpaurSeedi 😂😂😂😂 @saurabhneema1 @popeye76169041 @iinvestor3 This is better than the WB quotes"  
[X Link](https://x.com/LarissaFernand/status/1891893337143083378)  2025-02-18T16:51Z 22K followers, [--] engagements


"The pain runs deep. [----] BSE listed stocks down from 52-week high: 2.9% = trading near most recent high 14% = down 10-25% 64% = down 25-50% 18% = down 50-80% Less than 1% = down 80% Mint analysis👇"  
[X Link](https://x.com/LarissaFernand/status/1892073199245881465)  2025-02-19T04:46Z 22.1K followers, [----] engagements


"If you want to invest in a thematic fund bear this in mind: - invest counter-cyclical - avoid chasing current winners @AashishPS"  
[X Link](https://x.com/LarissaFernand/status/1892087954757112221)  2025-02-19T05:44Z 22K followers, [----] engagements


"@BrianNorgard Was reading a report on what a complex market this is. Since its IPO in [----] Match Group Tinder and saw its peak stock price in Dec [----] but its shares have since dropped by 79%. But Grindr a platform aimed at the gay community has thrived. http://Match.com http://Match.com"  
[X Link](https://x.com/LarissaFernand/status/1892394242556719356)  2025-02-20T02:02Z 22K followers, [----] engagements


"@dmuthuk First time Im hearing of Mrs Bector"  
[X Link](https://x.com/LarissaFernand/status/1892558733256884452)  2025-02-20T12:55Z 22K followers, 11.9K engagements


"@chandrarsrikant You do realise that this is not the official account of the White House"  
[X Link](https://x.com/LarissaFernand/status/1892858847670292908)  2025-02-21T08:48Z 22K followers, [--] engagements


"Astute financial advice is NEVER one dimensional. Thats why you should be wary of taking advice from any Tom Dick & Harry. Or some random handle on social media"  
[X Link](https://x.com/LarissaFernand/status/1893911924598857911)  2025-02-24T06:32Z 22.1K followers, [----] engagements


"I cant wrap my mind around these numbers. As I always say we all share the same planet but live in different worlds. @DividendGrowth"  
[X Link](https://x.com/LarissaFernand/status/1894564561258475600)  2025-02-26T01:46Z 22.1K followers, [----] engagements


"It's sad that some just cannot enjoy their money. An advisor mentioned that a client has around Rs 15cr in assets besides a home. The couple in their 70s was scouting for the cheapest fare to visit their son abroad. They were aghast that he suggested Business Class🤣"  
[X Link](https://x.com/LarissaFernand/status/1923963758948302863)  2025-05-18T04:48Z 22.9K followers, 90.1K engagements


"Dear FIRE enthusiasts a visual representation on how much time you have post early retirement"  
[X Link](https://x.com/LarissaFernand/status/1944562673150214491)  2025-07-14T01:00Z 23K followers, [----] engagements


"@Inlovefreedom @AshwinBadri2 @sumitkbehal Then what would explain the stock rallying on such a profit decline"  
[X Link](https://x.com/LarissaFernand/status/1947571132112244836)  2025-07-22T08:15Z 22.9K followers, [--] engagements


"Definitely on the moms side. Retirement should be given priority not funding that 👇lifestyle of your child"  
[X Link](https://x.com/LarissaFernand/status/1952381408124739706)  2025-08-04T14:49Z 23K followers, [----] engagements


"Frankly if you plunge into gold you will likely be disappointed cause it has already had a massive run up. It doesnt pay to ignore your asset allocation & chase whatever is hot. Dont be played by the Recency Bias (magnify recent events & project them into the future). Look at this chart by DSP @SahilKapoor Gold returns in comparison to equity have been fabulous and straying off allocation now to invest more could hurt the portfolio https://t.co/R5aFy5rKeX Look at this chart by DSP @SahilKapoor Gold returns in comparison to equity have been fabulous and straying off allocation now to invest"  
[X Link](https://x.com/LarissaFernand/status/1974804384878907455)  2025-10-05T11:50Z 22.7K followers, [----] engagements


"@nongratadesi Yes. And it should be part of your asset allocation not just the latest asset to chase"  
[X Link](https://x.com/LarissaFernand/status/1974813399910330449)  2025-10-05T12:26Z 22.7K followers, [---] engagements


"When to sell is such a difficult call. Though @KalpenParekh sold just 10% of his holding in the gold mining fund it is significant cause a) he will have to pay tax on capital gain b) cant reinvest in the same fund (RBI restrictions on global funds for now at least) I rarely like to exit investments I also dont like to be where every one is crowding in Confused state After lot of hesitation - one shift from good mining to a very conservative equity savings strategy https://t.co/W61V6dZvX1 I rarely like to exit investments I also dont like to be where every one is crowding in Confused state"  
[X Link](https://x.com/LarissaFernand/status/1976118575187562796)  2025-10-09T02:52Z 22.8K followers, [----] engagements


"I learnt a new term today in the hunt for engagement: Mutual Fund Mafia Context: SIPs will never make us rich"  
[X Link](https://x.com/LarissaFernand/status/1977673172641354114)  2025-10-13T09:50Z 22.8K followers, [----] engagements


"@ActusDei Why is No. [--] alarming The 25% as Minimum Balance to be maintained ensures that even after partial withdrawals some money is left to earn compound maintain some retirement corpus"  
[X Link](https://x.com/LarissaFernand/status/1977930179503923383)  2025-10-14T02:51Z 22.7K followers, 34.9K engagements


"The market will constantly remind you of the power of asset allocation. As @invest_mutual constantly reminds us. In the past [--] year: - Silver: 93% - Bitcoin: 85% - Gold: 63% - NIFTY: 0% All those who went long only equity will learn portfolio diversification In the past [--] year: - Silver: 93% - Bitcoin: 85% - Gold: 63% - NIFTY: 0% All those who went long only equity will learn portfolio diversification"  
[X Link](https://x.com/LarissaFernand/status/1978284983346254292)  2025-10-15T02:21Z 22.8K followers, [----] engagements


"Dont fall for myths 🚫 MYTH: Members can withdraw up to 100% of their eligible EPF balance (excluding the mandatory 25% minimum balance) REALITY: The mandatory 25% means that you cannot withdraw 100%. Dont fall for myths 🚫 Contrary to rumours the new EPF rules do not stop employees from accessing their money. ✅ Members can withdraw up to 100% of their eligible EPF balance (excluding the mandatory 25% minimum balance)after [--] months of service for purposes like: 🏠 https://t.co/NVBPZatpFy Dont fall for myths 🚫 Contrary to rumours the new EPF rules do not stop employees from accessing their"  
[X Link](https://x.com/LarissaFernand/status/1978739840494584152)  2025-10-16T08:28Z 22.7K followers, 83.5K engagements


"@Indian887712618 NPS is upfront from the start. The annuity option. Dont conflate the 2"  
[X Link](https://x.com/LarissaFernand/status/1979003028276457581)  2025-10-17T01:54Z 22.8K followers, [---] engagements


"Insight on what the rich are betting on👇 I watched a 200cr family office dump their entire fund portfolio. A patriarch perfectly said: I built my wealth to create not to track Sensex movements. I want to back the next unicorn before they even think about listing"  
[X Link](https://x.com/LarissaFernand/status/1979122563847720987)  2025-10-17T09:49Z 22.7K followers, 12.8K engagements


"@iancassel The last line 🔥🔥🔥"  
[X Link](https://x.com/LarissaFernand/status/1979583949400879533)  2025-10-18T16:22Z 22.7K followers, [----] engagements


"In the financial aspects of your life let your CAPACITY for risk lead the way not your TOLERANCE for risk. It stacks the deck in your favour. If you do not know the difference between Risk Capacity and Risk Tolerance (I did not) please read this piece by the brilliant @LarissaFernand https://t.co/Abn4JeiUZY If you do not know the difference between Risk Capacity and Risk Tolerance (I did not) please read this piece by the brilliant @LarissaFernand https://t.co/Abn4JeiUZY"  
[X Link](https://x.com/LarissaFernand/status/1979740779456458970)  2025-10-19T02:45Z 22.7K followers, [----] engagements


""Silver and gold are very different and each have very different dynamics that sit behind them. Silver's an industrial commodity solar panels & so on. Gold's a monetary commodity." - Evy Hambro Blackrock"  
[X Link](https://x.com/LarissaFernand/status/1979895184717738002)  2025-10-19T12:59Z 23K followers, [----] engagements


"Insurance is meant to give peace of mind not more stress. Read this. Recently my mother in her mid 70s collapsed early in the morning and we rushed her to the nearest hospital. Doctors said her blood pressure had shot up to dangerous levels and advised ICU admission. In that moment I felt somewhat relieved knowing she had a health insurance policy Recently my mother in her mid 70s collapsed early in the morning and we rushed her to the nearest hospital. Doctors said her blood pressure had shot up to dangerous levels and advised ICU admission. In that moment I felt somewhat relieved knowing"  
[X Link](https://x.com/LarissaFernand/status/1980119945393652134)  2025-10-20T03:52Z 22.7K followers, [----] engagements


"I am reminded of the adage Bull markets are meant to be ridden not timed. But please do pay heed to your asset allocation. Whether the bull run is in metals commodities or equity. #MoneyTalkWithL"  
[X Link](https://x.com/LarissaFernand/status/1980216738605371819)  2025-10-20T10:17Z 22.9K followers, [----] engagements


"@Maaachaaa69 Thats not the whole truth. Laxman Narasimhan was at McKinsey way back. Then PepsiCo where he rose to global chief commercial officer. Lastly Reckitt as CEO"  
[X Link](https://x.com/LarissaFernand/status/1980290930507919637)  2025-10-20T15:12Z 22.7K followers, [----] engagements


"@jaganmsna @Vivek_Investor Agree"  
[X Link](https://x.com/LarissaFernand/status/1980526251082412433)  2025-10-21T06:47Z 22.7K followers, [--] engagements


"I know a couple who take home around [----] lakh per month. Save 10-12% every month in SIPs. 50000-60000/month is not small in absolute terms. But relative to their earnings it is not great. Their lifestyle costs are high. And lifestyle inflation is high"  
[X Link](https://x.com/LarissaFernand/status/1981181238343061617)  2025-10-23T02:09Z 23K followers, 96.3K engagements


"@kendheswapnil No. Nothing there"  
[X Link](https://x.com/LarissaFernand/status/1981182468985323674)  2025-10-23T02:14Z 22.7K followers, [----] engagements


"The only knee-jerk reaction market Ive had. April [----]. FT Mutual Fund wound up [--] debt schemes. I was invested in one - Franklin India Short Term Income Plan I pulled out in panic from ICICI Pru All Seasons Bond Fund & HDFC Corporate Bond Fund. Big Mistake"  
[X Link](https://x.com/LarissaFernand/status/1981542317338296611)  2025-10-24T02:04Z 22.8K followers, [----] engagements


"Its cause of mutual funds that so many of us and those lower down the economic strata have participated in the Indian stock market. Such influencers are out of touch with reality. Can help laughing at a bunch of finfluencers podcasters bloggers who always run down mutual funds. In the meanwhile the largest flexi cap fund has given 17.89% returns over [--] years after expenses (as per VR) and Chetan Bhai and others missed out https://t.co/UhTBxqMqdQ Can help laughing at a bunch of finfluencers podcasters bloggers who always run down mutual funds. In the meanwhile the largest flexi cap fund has"  
[X Link](https://x.com/LarissaFernand/status/1981555860053905820)  2025-10-24T02:58Z 22.8K followers, [----] engagements


"@iRadhikaGupta Her moves 😻😻 That ad is etched in our memory. And as usual you have a way with words"  
[X Link](https://x.com/LarissaFernand/status/1981904352567763022)  2025-10-25T02:03Z 22.8K followers, [---] engagements


"Even the spelling mistake (Samrir) is copied 😂😂😂"  
[X Link](https://x.com/LarissaFernand/status/1982024226652774666)  2025-10-25T09:59Z 22.8K followers, 16.6K engagements


"The ROIC for the Magnificent [--] is off the charts Nvidia: 95.04% Apple: 59.18% Meta: 31.90% Alphabet: 31.01% Microsoft: 27.48% Earning a Return On Invested Capital the cost of capital is an indication of a moat & turbo charges returns over the long-term. - MORNINGSTAR"  
[X Link](https://x.com/LarissaFernand/status/1982311228547743959)  2025-10-26T05:00Z 22.8K followers, [----] engagements


"@Techcat888 Good reports about Sri Lanka keep appearing in front of me thanks to - @dmuthuk @nongratadesi @ActusDei @dhanesh500"  
[X Link](https://x.com/LarissaFernand/status/1982430202681815333)  2025-10-26T12:52Z 22.8K followers, [---] engagements


"No cash to buy the dip. Apart from breakup what else can make a man be like this https://t.co/IAs9Vz9JOh Apart from breakup what else can make a man be like this https://t.co/IAs9Vz9JOh"  
[X Link](https://x.com/LarissaFernand/status/1982440071325532319)  2025-10-26T13:31Z 22.8K followers, 17.5K engagements


"The higher it climbs the probability of high returns decreases. The trend may favour but margin of safety is eroding. Gold price forecasts: Goldman Sachs: $4900/ounce by Dec [----] ANZ: $4600/ounce by mid [----] Trajectory is upward but not a linear rise. Frankly if you plunge into gold you will likely be disappointed cause it has already had a massive run up. It doesnt pay to ignore your asset allocation & chase whatever is hot. Dont be played by the Recency Bias (magnify recent events & project them into the future). Frankly if you plunge into gold you will likely be disappointed cause it has"  
[X Link](https://x.com/LarissaFernand/status/1982724914718319009)  2025-10-27T08:23Z 22.8K followers, [----] engagements


"So the market started off well & is now sliding. As Mark Douglas says The consistency you seek is in your mind not in the markets. A large ingredient of success for an investor is psychological. It takes psychological strength to not fear/react to the erratic behaviour of the market. #MoneyTalkWithL A large ingredient of success for an investor is psychological. It takes psychological strength to not fear/react to the erratic behaviour of the market. #MoneyTalkWithL"  
[X Link](https://x.com/LarissaFernand/status/1983039298963447867)  2025-10-28T05:13Z 22.8K followers, [----] engagements


"@assetplusvish Dont know abt aggressive equity. But I remember my colleagues dad telling us that now that his kids are on their own he owns a house no loans he finally feels comfortable to take more risk with his portfolio. Made me rethink the blind equity according to age dictum"  
[X Link](https://x.com/LarissaFernand/status/1983149121499476436)  2025-10-28T12:29Z 22.8K followers, [---] engagements


"Years ago a colleagues dad told us that now that hes retired good savings kids on their own owns a house no loans he finally feels comfortable to take more risk with his portfolio. Made me realise the equity-according-to-age dictum cant be a blanket rule"  
[X Link](https://x.com/LarissaFernand/status/1983200718795485449)  2025-10-28T15:54Z 22.8K followers, [----] engagements


"Muthus tweet. Viveks reply 😂😂 Good morning dear liquor drinkers. Thanks for your contribution to the nation"  
[X Link](https://x.com/LarissaFernand/status/1983352024470302937)  2025-10-29T01:55Z 22.8K followers, [----] engagements


"Peter Lynch introduced 'diworsification' to describe companies' excessive diversification thru acquisitions often into unrelated businesses. This led to capital misallocation & destruction. Now this term includes over-diversification within an investment portfolio. @LarissaFernand Peter Lynch on Equity Investing (From Beating the Street): "History shows that over a long period of time assets will grow much faster when they are [---] percent invested in stocks. The retirement account is the perfect place for stocks because the money can sit there and grow @LarissaFernand Peter Lynch on Equity"  
[X Link](https://x.com/LarissaFernand/status/1983458853275799979)  2025-10-29T09:00Z 22.8K followers, [----] engagements


"A worker in the salon told me that her husband fell ill. They spent around [--] lakh on him. That was her savings for her daughters eventual marriage. Now they have to start saving from scratch. No luxury of Emergency Fund. No monetary buffer. On Monday I was in a kaali-peeli taxi in Dadar Mumbai. Midway the driver got a call from his native place. His daughter had met with an accident. I could see the panic instantly take over him. While I asked him to stop the cab his hands were shaking his voice broke and https://t.co/telKVP8fYE On Monday I was in a kaali-peeli taxi in Dadar Mumbai. Midway"  
[X Link](https://x.com/LarissaFernand/status/1983724169406923120)  2025-10-30T02:34Z 22.8K followers, [----] engagements


"@Tanmay_31_ Those that avoided- PPFAS Old Bridge Helios Tata Nippon Invesco Trust UTI Quantum Quant"  
[X Link](https://x.com/LarissaFernand/status/1984101495533617495)  2025-10-31T03:33Z 22.9K followers, [----] engagements


"@oldschoolinvest But there are those that avoided too: PPFAS Old Bridge Helios Tata Nippon Invesco Trust UTI Quantum Quant"  
[X Link](https://x.com/LarissaFernand/status/1984101634058887599)  2025-10-31T03:34Z 22.9K followers, [---] engagements


"@InvestRepeat Those that avoided- PPFAS Old Bridge Helios Tata Nippon Invesco Trust UTI Quantum Quant"  
[X Link](https://x.com/LarissaFernand/status/1984102535733637245)  2025-10-31T03:38Z 22.9K followers, 10.2K engagements


"@datta_arvind Those that avoided- PPFAS Old Bridge Helios Tata Nippon Invesco Trust UTI Quantum Quant"  
[X Link](https://x.com/LarissaFernand/status/1984103131878481927)  2025-10-31T03:40Z 22.9K followers, [----] engagements


"Going only by what I see on this app @PPFAS seems to be the only Indian fund house with a cult following. And I say this in a good way"  
[X Link](https://x.com/LarissaFernand/status/1984158350997909516)  2025-10-31T07:19Z 22.9K followers, 12.9K engagements


"@Vatsalz14 @InvestRepeat They too never invested"  
[X Link](https://x.com/LarissaFernand/status/1984180927782912079)  2025-10-31T08:49Z 22.8K followers, [---] engagements


"@grok @Vatsalz14 @InvestRepeat 👍👍"  
[X Link](https://x.com/LarissaFernand/status/1984276104920830240)  2025-10-31T15:07Z 22.8K followers, [--] engagements


"@indianviking1 @contrarianEPS @PPFAS You are mistaken. When I was a journalist whenever we asked a fund manager about a stock they said regulations do not permit them to discuss individual stocks"  
[X Link](https://x.com/LarissaFernand/status/1984289485828554854)  2025-10-31T16:00Z 22.9K followers, [---] engagements


"@ramamoorthy_h @indianviking1 @contrarianEPS @PPFAS We know what AMFI is. They dont do such regulations"  
[X Link](https://x.com/LarissaFernand/status/1984291516656050347)  2025-10-31T16:08Z 22.9K followers, [---] engagements


"Looking at layoffs Those who require their high-paying job to manage their high-maintenance lifestyle Imagine the trauma when they lose their job. Always have an Emergency Fund to soften the blow. #MoneyTalkWithL"  
[X Link](https://x.com/LarissaFernand/status/1984848559838294486)  2025-11-02T05:02Z 22.8K followers, [----] engagements


"Neil has rocked that boat again 😀 A self-occupied house has a completely different purpose than buying a house as an investment. He has no problems with the former. But is debating the latter. Am I right @ActusDei That is 12.5% CAGR while Nifty has given a similar 12-13%. The owner in would have paid stamp duty (while buying) maintenance property tax etc. This doesn't get factored in. Nor can he sell you 1/10th of the house - he must pay a big tax bill or reinvest in real estate again That is 12.5% CAGR while Nifty has given a similar 12-13%. The owner in would have paid stamp duty (while"  
[X Link](https://x.com/LarissaFernand/status/1985205223132958846)  2025-11-03T04:39Z 23K followers, 12.5K engagements


"Mr Kamath chose to (rightly) ignore the word scam. 👍 Hi Dr your payout requests were processed yesterday. We need to ensure for the sake of our systems' sanity (like all other financial services firms) that we have some checks in place when clients withdraw funds As you can imagine numerous potential issues can arise during https://t.co/8hhCW0DRFO Hi Dr your payout requests were processed yesterday. We need to ensure for the sake of our systems' sanity (like all other financial services firms) that we have some checks in place when clients withdraw funds As you can imagine numerous potential"  
[X Link](https://x.com/LarissaFernand/status/1985585097345810942)  2025-11-04T05:49Z 22.8K followers, 13.6K engagements


"Our personal rate of inflation is always higher than the govt figures. But visits to the dentist & physiotherapist is a reminder that medical inflation is really steep"  
[X Link](https://x.com/LarissaFernand/status/1985641224603316480)  2025-11-04T09:32Z 23K followers, [----] engagements


"@kaush16733 @InvestRepeat @wisecrackmel would you like to chip in with some insight"  
[X Link](https://x.com/LarissaFernand/status/1985998347099062409)  2025-11-05T09:11Z 22.9K followers, [---] engagements


"Without a goal there is no context in which to assess risk capacity of an investment. The risk profile when investing for a goal [--] months away will differ from one that is [--] years away. So the first question to answer: What are you investing for #MoneyTalkWithL"  
[X Link](https://x.com/LarissaFernand/status/1986025257111883904)  2025-11-05T10:58Z 22.9K followers, [----] engagements


"@Let_us_Compound 👍👍"  
[X Link](https://x.com/LarissaFernand/status/1986067854349996071)  2025-11-05T13:47Z 22.8K followers, [--] engagements


"Got introduced to a couple today from the North East (deliberately being vague). Few years ago they decided to adopt a child. At the orphanage they saw [--] siblings & couldn't bear to separate them. They are now a family of five & the [--] kids are under the age of 10"  
[X Link](https://x.com/LarissaFernand/status/1986369842686140932)  2025-11-06T09:47Z 22.8K followers, 44.5K engagements


"I have decided not to check my portfolio for the remainder of this year. So have lost complete interest in where the Sensex is headed"  
[X Link](https://x.com/LarissaFernand/status/1986638652131450946)  2025-11-07T03:35Z 22.9K followers, [----] engagements


"@SunilVTinani Can you explain the reasoning behind the last sentence"  
[X Link](https://x.com/LarissaFernand/status/1986810385979338828)  2025-11-07T14:58Z 22.9K followers, [---] engagements


"@Crazynaval Thinking about the stocks they will buy"  
[X Link](https://x.com/LarissaFernand/status/1986813080589025471)  2025-11-07T15:08Z 22.9K followers, [---] engagements


"Once the game is over the King and the Pawn go back in the same box - Ancient Proverb Whether you are poor or wealthy you will eventually end up the same way. #7amthoughts"  
[X Link](https://x.com/LarissaFernand/status/1986969420955017380)  2025-11-08T01:30Z 22.9K followers, [----] engagements


"@Barchart So an evident trend over [--] years is breaking news"  
[X Link](https://x.com/LarissaFernand/status/1987035200682147957)  2025-11-08T05:51Z 22.9K followers, [----] engagements


"What misleading crap He is referring to a [----] report on the US mutual fund market. Researched by Russel Kinnel for the US. NOT INDIAN mutual funds. Absolutely misleading. 🚨 Shocking truth from Morningstar 50% of fund managers dont invest a single rupee in their own fund ( mutual funds ) If your fund manager doesnt have his own money in the same fund thats a huge red flag. Its better to skip that fund completely. 🚨 Shocking truth from Morningstar 50% of fund managers dont invest a single rupee in their own fund ( mutual funds ) If your fund manager doesnt have his own money in the same fund"  
[X Link](https://x.com/LarissaFernand/status/1987080295435411632)  2025-11-08T08:50Z 22.9K followers, 20.6K engagements


"Heres @Quantum_MF on why it avoids IPOs. Link: https://www.quantumamc.com/mailer/2025/QMF/06Nov25-Asset-Class-Outlook/Quantum-MF-Factsheet-October-2025.pdf https://www.quantumamc.com/mailer/2025/QMF/06Nov25-Asset-Class-Outlook/Quantum-MF-Factsheet-October-2025.pdf"  
[X Link](https://x.com/LarissaFernand/status/1987173547794702574)  2025-11-08T15:01Z 22.9K followers, 28.2K engagements


"@NAVofNav A recent discussion @LarissaFernand @kaush16733 @InvestRepeat Quantum may not hold a unit holders meeting yes . But if you ever write to them about their holdings and rationale the product manager fund manager cio all get on a call and take you thru their thesis on why they did what they did. @LarissaFernand @kaush16733 @InvestRepeat Quantum may not hold a unit holders meeting yes . But if you ever write to them about their holdings and rationale the product manager fund manager cio all get on a call and take you thru their thesis on why they did what they did"  
[X Link](https://x.com/LarissaFernand/status/1987339917131956303)  2025-11-09T02:02Z 22.9K followers, [----] engagements


"Lesson 1: Be careful what you wish for Lesson 2: Always be as specific as possible Lesson 3: Dont assume the other is on the same page as you Lesson 4: Sometimes life is cruel & will get you kicked Ha ha ha ha ha ha ha Good Night folks https://t.co/yBtnhkwvZA Ha ha ha ha ha ha ha Good Night folks https://t.co/yBtnhkwvZA"  
[X Link](https://x.com/LarissaFernand/status/1987363396032081984)  2025-11-09T03:35Z 22.9K followers, [----] engagements


"@nse_bse_mani @BaluGorade I doubt he reacted to any one single post. There were multiple replies from so many pointing it out as completely wrong. AMFI & Morningstar were tagged. Yet he shamelessly kept the post on for considerable time before eventually deleting"  
[X Link](https://x.com/LarissaFernand/status/1987370290478002553)  2025-11-09T04:02Z 22.9K followers, [--] engagements


"Very impressive facts on Great Eastern Shipping by @PositiveGamma * Permanent employees: just [---] * Market cap: nearly [-----] cr * Market cap per employee: over [--] cr * Profit After Tax (PAT) per employee: [--] crore (each of the last [--] years)"  
[X Link](https://x.com/LarissaFernand/status/1987387968651473110)  2025-11-09T05:13Z 22.9K followers, [----] engagements


"@Let_us_Compound @roshanonline Ha ha ha ha ha"  
[X Link](https://x.com/LarissaFernand/status/1987544270635753907)  2025-11-09T15:34Z 22.9K followers, [---] engagements


"Warren Buffett is going quiet. Will stop writing Berkshire Hathaway Inc.s annual letters & speaking at its meetings. Stepping down as CEO at the end of the year. The cleaning lady is as much a human being as the chairman.🔥🔥 https://www.berkshirehathaway.com/news/nov1025.pdf https://www.berkshirehathaway.com/news/nov1025.pdf"  
[X Link](https://x.com/LarissaFernand/status/1988062742146937017)  2025-11-11T01:54Z 22.9K followers, [---] engagements


"Imagine the lack of integrity A friend begged for a loan swore hed pay it back. A big amount to help his business. After a few months he stopped taking my calls. Later moved to another country. I never saw the money again. @iarjuntandon"  
[X Link](https://x.com/LarissaFernand/status/1988081547539533996)  2025-11-11T03:09Z 22.9K followers, [----] engagements


"@PunamMohandas @iarjuntandon It was Arjun Tandon who posted it. Thats why its in quotes with his handle name mentioned. I did not realise a tweet was so difficult to comprehend"  
[X Link](https://x.com/LarissaFernand/status/1988168491804025197)  2025-11-11T08:54Z 22.9K followers, [--] engagements


"@SunilBSinghania 👍 👌🥳🎉🎊 The mutual fund launch"  
[X Link](https://x.com/LarissaFernand/status/1988171942210519263)  2025-11-11T09:08Z 22.9K followers, [---] engagements


"Do any of you use financial advisers/planners who do all this * how much to save * where to invest * how to withdraw * how not to overspend * making sure they dont outlive their assets * keeping them on course * being there when theyre confused or scared. Sure it doesnt take much effort to recommend index funds. But lets be honest how much effort does it really take to recommend a Parag Parikh Flexicap HDFC Flexicap or ICICI Multi-Asset or Balanced Advantage Fund Somewhere along the way financial advisory got reduced to Sure it doesnt take much effort to recommend index funds. But lets be"  
[X Link](https://x.com/LarissaFernand/status/1988476100998283768)  2025-11-12T05:17Z 22.9K followers, [----] engagements


"Friend told 72-yr old uncle to draw up his Will. If not his estranged wife gets everything & his kids will squabble. Uncle is furious. Accused him of colluding with kids to want him dead & hoping to get a commission from them😂 Why are people so averse to drawing up a Will When a family member passes away you might struggle to locate their assets. A simple solution is DigiLocker - add yourself as a nominee there. Also make a Will. We can help use the link below (if you cannot DM me) https://t.co/WM0mHPOhCa https://t.co/USkIJCo8ES When a family member passes away you might struggle to locate"  
[X Link](https://x.com/LarissaFernand/status/1988610033119293705)  2025-11-12T14:09Z 22.9K followers, [----] engagements


"The sick 🤬🤬🤬🤬 think it is perfectly alright to deprive a poor helpless powerless individual of what is his. Sick Sick Twitter do your thing. Who is this boy Where was this video taken https://t.co/Swky47BUbd Twitter do your thing. Who is this boy Where was this video taken https://t.co/Swky47BUbd"  
[X Link](https://x.com/LarissaFernand/status/1988646684277330369)  2025-11-12T16:34Z 22.9K followers, [----] engagements


"Indias household borrowing is undergoing a generational shift. A rising appetite for lifestyle spending. Personal loans & credit card debt make up the largest share of household liabilities overtaking housing loans for the first time. -RBI Personal loans and credit card debt now have the highest share in Indian household debt even overtaking home loans. GenZ is truly living like there is no tomorrow Personal loans and credit card debt now have the highest share in Indian household debt even overtaking home loans. GenZ is truly living like there is no tomorrow"  
[X Link](https://x.com/LarissaFernand/status/1988850823661576614)  2025-11-13T06:06Z 23K followers, [----] engagements


"@Blowfish_1201 So they are psychologically very comfortable with debt"  
[X Link](https://x.com/LarissaFernand/status/1988922706075566090)  2025-11-13T10:51Z 22.9K followers, [--] engagements


"1. Why is absolute return being compared with CAGR of other funds [--]. The 40% absolute return is around 18% CAGR. Now compare. [--]. Also PMS is not very tax efficient"  
[X Link](https://x.com/LarissaFernand/status/1989020395677401090)  2025-11-13T17:19Z 22.9K followers, 75.5K engagements


"Tweet deleted. [--]. Why is absolute return being compared with CAGR of other funds [--]. The 40% absolute return is around 18% CAGR. Now compare. [--]. Also PMS is not very tax efficient. [--]. Why is absolute return being compared with CAGR of other funds [--]. The 40% absolute return is around 18% CAGR. Now compare. [--]. Also PMS is not very tax efficient"  
[X Link](https://x.com/LarissaFernand/status/1989153574618837079)  2025-11-14T02:09Z 22.9K followers, 72.7K engagements


"Michael Burry is a stark reminder as to why market forecasts need to be taken with a bucket full of salt. Robert Kiyosaki and Jim Cramer are other such periodic reminders"  
[X Link](https://x.com/LarissaFernand/status/1989203210301780065)  2025-11-14T05:26Z 22.9K followers, [----] engagements


"24 years old and rented all his life. Bought his first house in July [----]. Bought his first house again in Nov [----]. Whats with the bullshitting"  
[X Link](https://x.com/LarissaFernand/status/1989370635357921357)  2025-11-14T16:31Z 22.9K followers, 16.3K engagements


"@ActusDei Management fees performance fees capital gains on the selling of securities in the portfolio. So the only reason you will invest is in the hope/probability of a fabulous return. Well 🤷♀"  
[X Link](https://x.com/LarissaFernand/status/1989531695473991685)  2025-11-15T03:11Z 22.9K followers, [----] engagements


"😂😂😂 Im new to crypto can you give me some advice 👇👇 @kashishonchain You can lose money while sleeping too @kashishonchain You can lose money while sleeping too"  
[X Link](https://x.com/LarissaFernand/status/1989611997315399848)  2025-11-15T08:30Z 22.9K followers, [----] engagements


"Cheer up guys. Santa will come riding in on bulls not reindeers. Will check my portfolio then. Saurabh Mukherjea says Market is likely to see a "Christmas Rally". Cos will show robust double-digit growth in Q3Fy26 as GST cuts have spurred consumption. India-USA trade deal & RBI rate cut will add fuel to fire. Bihar election results have also soothed investors' sentiments https://t.co/ih7VVoaC9j Saurabh Mukherjea says Market is likely to see a "Christmas Rally". Cos will show robust double-digit growth in Q3Fy26 as GST cuts have spurred consumption. India-USA trade deal & RBI rate cut will add"  
[X Link](https://x.com/LarissaFernand/status/1989908156848431159)  2025-11-16T04:07Z 22.9K followers, [----] engagements


"In a trade One expects price to & buys One expects price to & sells One is wrong Both are convinced that they are right informed & smarter. This is why you should never speculate with huge amounts of money & throw caution to the wind. - Steven Pinker"  
[X Link](https://x.com/LarissaFernand/status/1989916322629914662)  2025-11-16T04:39Z 23K followers, [----] engagements


"@anaidasultana Nah That Romeo-Juliet doesnt work for me. But I cant wrap my head around the Nitish Kumar & Bihar analogy 🧐"  
[X Link](https://x.com/LarissaFernand/status/1989916890148606106)  2025-11-16T04:42Z 22.9K followers, [---] engagements


"Dreman Value Management act on bold contrarian conviction. Oil giant BP: [----] oil spill. They studied spills thru history & came up with $30B for future liability when mkt assumed $115B future liability. Began picking up the stock in June [----] @InvestmentBook1 @Ronitper 1/ @InvestmentBook1 https://t.co/ZfF4ya7CZ7 @InvestmentBook1 https://t.co/ZfF4ya7CZ7"  
[X Link](https://x.com/LarissaFernand/status/1990093479884775505)  2025-11-16T16:23Z 23K followers, [----] engagements


"@Ronitper @InvestmentBook1 These guys bought it too I remember Madhusudan Kela chased this IPO"  
[X Link](https://x.com/LarissaFernand/status/1990096087814951391)  2025-11-16T16:34Z 22.9K followers, [--] engagements


"Your spending reveals lot about your priorities. It may reveal to you that peer validation or social recognition is a top priority your life. Take time to look at your spending. #MoneyTalkWithL"  
[X Link](https://x.com/LarissaFernand/status/1990356156406288483)  2025-11-17T09:47Z 22.9K followers, [----] engagements


"@dmuthuk Applies neatly to a household balance sheet too"  
[X Link](https://x.com/LarissaFernand/status/1990359202225852464)  2025-11-17T09:59Z 22.9K followers, [---] engagements


"A household with a strong balance sheet can survive a financial blow. One with a weak balance sheet can be wiped out with illness/ emergency in a quarter too"  
[X Link](https://x.com/LarissaFernand/status/1990365076432576858)  2025-11-17T10:23Z 23K followers, [----] engagements


"@dmuthuk //Marketcap indices have a serious flaw. Higher the prices go more you've to buy. Lower the prices more you've to sell// Im confused. I thought rebalancing happens only quarterly or semi annually when there is an addition/deletion. Only then the buying/selling takes place"  
[X Link](https://x.com/LarissaFernand/status/1990443534613418237)  2025-11-17T15:34Z 22.9K followers, 14.3K engagements


"For capital preservation diversification is a must. A wealthy investor had a long chat with me. Rather than alpha etc he said that he was looking to not lose what he had painstakingly accumulated. Wealth does not necessarily make investors take higher risk. Diversifying is important to most investors. A wealthy investor had a long chat with me. Rather than alpha etc he said that he was looking to not lose what he had painstakingly accumulated. Wealth does not necessarily make investors take higher risk. Diversifying is important to most investors"  
[X Link](https://x.com/LarissaFernand/status/1990488742633816374)  2025-11-17T18:34Z 23K followers, [----] engagements


"@ArunSreenivas15 If I already am invested in an index fund my investment will move the same direction of the index. Stocks that rally & become larger components will do so in the index & my own investment simultaneously. Only new investments are made as per the new weights in the index"  
[X Link](https://x.com/LarissaFernand/status/1990622124747489524)  2025-11-18T03:24Z 22.9K followers, [--] engagements


"Lol. Morgan Stanley gazes at its crystal ball then forecasts"  
[X Link](https://x.com/LarissaFernand/status/1990792532373217787)  2025-11-18T14:41Z 22.9K followers, 34.9K engagements


"@harriharri_1 When was this made😳🤦♀"  
[X Link](https://x.com/LarissaFernand/status/1991071938253369362)  2025-11-19T09:11Z 22.9K followers, [---] engagements


"@Let_us_Compound Indeed"  
[X Link](https://x.com/LarissaFernand/status/1991127153715339657)  2025-11-19T12:51Z 22.9K followers, [--] engagements


"Good one by @StableInvestor on why SEBI must revise the market capitalisation buckets. Switch to a percentile mode & have a dynamic list. Or if you want to set the number of stocks per bucket review it periodically. Its been [--] years since it was set Full column https://t.co/36jXiuUAGb Full column https://t.co/36jXiuUAGb"  
[X Link](https://x.com/LarissaFernand/status/1991348789605777557)  2025-11-20T03:32Z 22.9K followers, [----] engagements


"WestBridge invested in PhysicsWallah. Here he explains his bullishness on the company"  
[X Link](https://x.com/LarissaFernand/status/1991392790975222019)  2025-11-20T06:26Z 23K followers, 60.5K engagements


"Gotta love the diversity here The fights on active vs passive investing. The outrage on fertilising ones eggs. The horror of giving house keys & ATM pin to the staff"  
[X Link](https://x.com/LarissaFernand/status/1991434362857091147)  2025-11-20T09:12Z 22.9K followers, [----] engagements


"2 things learnt: [--]. Though am not sure how much he invested I know that he did. And encouraged others to do so too. He put his money where his mouth is. [--]. You can create wealth via mutual funds"  
[X Link](https://x.com/LarissaFernand/status/1991461689963999466)  2025-11-20T11:00Z 23K followers, 13.4K engagements


"2020 SBI Magnum Children's Benefit Fund - Investment Plan [----] SBI Magnum Children's Benefit Fund - Savings Plan Correct me if I am wrong. @SBIMF"  
[X Link](https://x.com/LarissaFernand/status/1991461943115411482)  2025-11-20T11:01Z 23K followers, [----] engagements


"30 lakh capital. Uday KOTAK put in around [----] lakh. Anand MAHINDRA put in around [---] lakh. The rest came in from friends. And Kotak Mahindra was born 🥳🎉🎊🎁🪅🥳🎈🎁 [--] years ago today I started a company with [--] lakh capital in a [---] sq ft office in Fort Mumbai. Today that company which I ran for [--] years is Kotak Mahindra Bank. As this Indian institution navigates changing times may it prosper. Happy Birthdaytum jiyo hazaaro saal. https://t.co/NYnZgPH3lb [--] years ago today I started a company with [--] lakh capital in a [---] sq ft office in Fort Mumbai. Today that company which I ran for 38"  
[X Link](https://x.com/LarissaFernand/status/1991723393608216949)  2025-11-21T04:20Z 23K followers, 56.2K engagements


"When a mega-cap swings like a micro-cap"  
[X Link](https://x.com/LarissaFernand/status/1991790995504353402)  2025-11-21T08:49Z 22.9K followers, [---] engagements


"@money_theory The NAV declared is post expense ratio. So the return calculated on NAV has already taken that into account. A 12% return post expenses is pretty cool. Of course the past bull run had increased expectations. And all funds are not 2%"  
[X Link](https://x.com/LarissaFernand/status/1991805370516594866)  2025-11-21T09:46Z 23K followers, [----] engagements


"@nse_bse_mani @money_theory Stolen Tone down the drama. That is the fee they charge for investing for you. Dont like it stay away. Buy stocks on your own or opt for an index funds. Theres no stealing g here; its completely transparent"  
[X Link](https://x.com/LarissaFernand/status/1991808563954757932)  2025-11-21T09:59Z 22.9K followers, [--] engagements


"@nse_bse_mani @money_theory Sure. 👍"  
[X Link](https://x.com/LarissaFernand/status/1991811521006149810)  2025-11-21T10:10Z 22.9K followers, [--] engagements


"@dhanesh500 Ha ha ha ha ha ha ha ha ha"  
[X Link](https://x.com/LarissaFernand/status/1992268617434701906)  2025-11-22T16:27Z 22.9K followers, [---] engagements


"@ManasKale2 @moneyworks4u_fa Amit Ganatra (ex Invesco) is taking over her funds"  
[X Link](https://x.com/LarissaFernand/status/1992269148072952243)  2025-11-22T16:29Z 23K followers, [---] engagements


"I have seen FinTwit folk quote MarkTwains History doesn't repeat itself but it often rhymes. When I ask what this means or how they interpret it they dont respond. Any insights are very welcome. What is your understanding or interpretation PS: I havent asked ChatGPT"  
[X Link](https://x.com/LarissaFernand/status/1992540586151383235)  2025-11-23T10:27Z 23K followers, [----] engagements


"@nse_bse_mani Thank you 👍"  
[X Link](https://x.com/LarissaFernand/status/1992609149725888638)  2025-11-23T15:00Z 23K followers, [--] engagements


"Exuberance in the IPO market. In a family function and at least [--] relatives (business owners) are looking to IPO in the next few years. In a family function and at least [--] relatives (business owners) are looking to IPO in the next few years"  
[X Link](https://x.com/LarissaFernand/status/1992624097952665821)  2025-11-23T15:59Z 22.9K followers, [----] engagements


"@ramamoorthy_h Which season is that"  
[X Link](https://x.com/LarissaFernand/status/1992629958334894311)  2025-11-23T16:22Z 23K followers, [--] engagements


"Lakshmi Mittal is leaving the UK to avoid high taxes. He is UKs 8th richest man. He will now spend time in Dubai & Switzerland"  
[X Link](https://x.com/LarissaFernand/status/1992630522066117021)  2025-11-23T16:25Z 23K followers, [----] engagements


"Viral Balcony. View worth living for Sounds so cringe. How on earth are people paying that much for this👇 A YouTube video of DLF Camellias popped up so I thought of watching it and just look at that breathless view shes talking about while selling a flat for [---] crore. 😂 You spend [---] crore and still get a 144p view. How do people even live here after paying that much https://t.co/khl83NAiAN A YouTube video of DLF Camellias popped up so I thought of watching it and just look at that breathless view shes talking about while selling a flat for [---] crore. 😂 You spend [---] crore and still get a"  
[X Link](https://x.com/LarissaFernand/status/1992873661045600296)  2025-11-24T08:31Z 23K followers, [----] engagements


"I honestly wonder how miserable must some people be To troll others senselessly & without provocation just cause your handle is anonymous. There are a lot of sad lonely people out there who use this place as an outlet for their frustrations"  
[X Link](https://x.com/LarissaFernand/status/1992942904982290438)  2025-11-24T13:06Z 23K followers, [----] engagements


"@sandeep_PT Air pollution is beyond Indian governance. They can't solve it It is not. They can. They just dont care"  
[X Link](https://x.com/LarissaFernand/status/1993153815047213262)  2025-11-25T03:04Z 23K followers, [---] engagements


"I would rather not live through a bear market. But the market will crash at some point. It may bounce back quickly or not. I dont know. So I diversify. I avoid concentrated positions. I avoid leverage. Ben Carlson @awealthofcs accepting the inevitable but being prepared"  
[X Link](https://x.com/LarissaFernand/status/1993266462106992862)  2025-11-25T10:32Z 23K followers, [----] engagements


"@parrysingh Always. I dip all biscuits into chai"  
[X Link](https://x.com/LarissaFernand/status/1993316135878684747)  2025-11-25T13:49Z 23K followers, [---] engagements


"@IndiaToday People roam around with guns so freely"  
[X Link](https://x.com/LarissaFernand/status/1993518993433583991)  2025-11-26T03:15Z 23K followers, [---] engagements


"@Vish_0096 @manoj_216 So true. However much we may now say children should not be your retirement plan - this has been the case for most. I dont know what you mean by loosening family values though"  
[X Link](https://x.com/LarissaFernand/status/1993525415735181739)  2025-11-26T03:41Z 23K followers, [--] engagements


"One AMC spams me with mails. I blocked. I just checked my spam folder: Between Nov [--] & Nov [--] I have received some sales-promotional mail daily. What is wrong with them"  
[X Link](https://x.com/LarissaFernand/status/1993717947500831225)  2025-11-26T16:26Z 23K followers, [----] engagements


"Once you get a couple of big wins under your belt its easy to let things get out of control. You get what is called a bull market brain. - @awealthofcs Bull Market Brain 👌 😂😂😂"  
[X Link](https://x.com/LarissaFernand/status/1993720944280703156)  2025-11-26T16:38Z 23K followers, [---] engagements


"@Sidharthjain84 How long the bear market lasts is what concerns me"  
[X Link](https://x.com/LarissaFernand/status/1993733586395255002)  2025-11-26T17:28Z 23K followers, [---] engagements


"Read this somewhere: Everyone wants to win until they realise how many losses it takes to get there. #7amthoughts"  
[X Link](https://x.com/LarissaFernand/status/1993854790573674857)  2025-11-27T01:30Z 23K followers, [----] engagements


"Sankaran Narens legacy - ICICI Prudential Value Fund @ICICIPruMF Returns: Aug [----] (launch) - Oct [----] [--] lakh ➡ [----] crore CAGR: 20.1% [-----] monthly SIP totalling [----] lakh ➡ [---] crore (Came across this on cnbc)"  
[X Link](https://x.com/LarissaFernand/status/1993893621742096763)  2025-11-27T04:04Z 23K followers, 33.3K engagements


"@dugalira I was about to ask you what that meant then saw your last three words"  
[X Link](https://x.com/LarissaFernand/status/1993894351597187442)  2025-11-27T04:07Z 23K followers, [---] engagements


"@wisecrackmel"  
[X Link](https://x.com/LarissaFernand/status/1993926178424701359)  2025-11-27T06:13Z 23K followers, [---] engagements


"@INFLOmfd It was initially called ICICI Prudential Value Discovery Fund"  
[X Link](https://x.com/LarissaFernand/status/1994070754342670652)  2025-11-27T15:48Z 23K followers, [--] engagements


"https://www.cnbctv18.com/personal-finance/icici-prudential-value-fund-scheme-calculator-10-lakh-nearly-5-crore-21-years-ws-l-19773072.htm/amp https://www.cnbctv18.com/personal-finance/icici-prudential-value-fund-scheme-calculator-10-lakh-nearly-5-crore-21-years-ws-l-19773072.htm/amp"  
[X Link](https://x.com/LarissaFernand/status/1994098591938564437)  2025-11-27T17:38Z 23K followers, [---] engagements


"I spent lot of time researching stocks didn't build a good portfolio & lost precious compounding window of opportunity. - @GopinathPandia7 Refreshingly honest👍 When stock picks go wrong you lose on [--] fronts: - capital loss - that moneys compounding power is lost forever"  
[X Link](https://x.com/LarissaFernand/status/1994336560393732331)  2025-11-28T09:24Z 23K followers, [----] engagements


"@ICICIBank_Care I logged onto internet banking & it says I am not registered. Till last week I was. I called your helpline they said it could be a security issue and they would check. They kept me wating for [--] minutes till I disconnected"  
[X Link](https://x.com/LarissaFernand/status/1994386537757458795)  2025-11-28T12:42Z 23K followers, [---] engagements


"You folk agree Im a big believer in asset allocation like @invest_mutual But I think this would work if that individual had an Emergency Fund or living with parents who are not dependent on this individual contributing to household expenses"  
[X Link](https://x.com/LarissaFernand/status/1994624469277839647)  2025-11-29T04:28Z 23K followers, [----] engagements


"The man with the Midas touch. Why does it always happen to Shankar Sharma's companies😁 Brightcom [--] years back Bigbloc Droneacharya now SEBI axe falls on Droneacharya Aerial Innovations. Promoters and related parties banned for [--] years from market and fined. Stock price manipulation using some [--] Why does it always happen to Shankar Sharma's companies😁 Brightcom [--] years back Bigbloc Droneacharya now SEBI axe falls on Droneacharya Aerial Innovations. Promoters and related parties banned for [--] years from market and fined. Stock price manipulation using some 36"  
[X Link](https://x.com/LarissaFernand/status/1994649007537492142)  2025-11-29T06:05Z 23K followers, [----] engagements


"@ProsaicView Look at the vile impunity of the scum. It is their right to harass women. And it is their right to murder those who oppose"  
[X Link](https://x.com/LarissaFernand/status/1995013386434957569)  2025-11-30T06:13Z 23K followers, [---] engagements


"@bhavesh4321 Say your equity:debt ratio is 60:40. But the mkt has run up & equity is now much more. So you sell some stocks & buy some debt investments (rebalance) On selling you have to pay capital gains tax (sh or long term). But when the fund manager does this there is no tax hassle"  
[X Link](https://x.com/LarissaFernand/status/1995047460545445978)  2025-11-30T08:29Z 23K followers, [--] engagements


"Someone sent this to me. I like it cause this year has really sucked"  
[X Link](https://x.com/LarissaFernand/status/1995311659628564902)  2025-12-01T01:59Z 23K followers, [----] engagements


"Pt [--] is why I believe in diversification"  
[X Link](https://x.com/LarissaFernand/status/1995721847485133096)  2025-12-02T05:09Z 23K followers, [----] engagements


"Very impressed with @dspmfs documentary. We talk of long-term investing. Here they speak to folk across the country - in their 80s & 90s - & asked them about longterm in ways other than monetary. Great script. Great editing. Very authentic. https://youtu.be/50UXIThSX9Y https://youtu.be/50UXIThSX9Y"  
[X Link](https://x.com/LarissaFernand/status/1995865042559139988)  2025-12-02T14:38Z 23K followers, 15.2K engagements


"Though some advisors prefer keeping equity & debt separate hybrid as a category is catching on. It does serve a certain type of investor"  
[X Link](https://x.com/LarissaFernand/status/1995867924138262978)  2025-12-02T14:49Z 23K followers, [----] engagements


"@invest_mutual Investors need to take responsibility & stop falling for these narratives. //There WILL be long periods without returns. If one can't handle this one shouldn't be in equities.//"  
[X Link](https://x.com/LarissaFernand/status/1996068438109028659)  2025-12-03T04:06Z 23K followers, [---] engagements


"Wonder how the "Bull Market Brain" is faring in the current market. Once you get a couple of big wins under your belt its easy to let things get out of control. You get what is called a bull market brain. - @awealthofcs"  
[X Link](https://x.com/LarissaFernand/status/1996086394826137930)  2025-12-03T05:17Z 23K followers, [----] engagements


"INR on track for steepest annual fall since [----]. HDFC Bank expects rupee to hover in 92-93 range next quarter. - Reuters"  
[X Link](https://x.com/LarissaFernand/status/1996498871531504110)  2025-12-04T08:36Z 23K followers, [----] engagements


"Ujwal Thakar on LinkedIn. Wake Up Anantha Nageswaran. The Rupee Wont Break India But Your Complacency Might INR on track for steepest annual fall since [----]. HDFC Bank expects rupee to hover in 92-93 range next quarter. - Reuters INR on track for steepest annual fall since [----]. HDFC Bank expects rupee to hover in 92-93 range next quarter. - Reuters"  
[X Link](https://x.com/LarissaFernand/status/1996501110337769846)  2025-12-04T08:45Z 23K followers, [----] engagements


"@AlwynS18 @BijayKumarBhuy6 It comes naturally. Im cold & objective when it comes to investing. I may hate a fund manager but if I like the investment style I will invest. Or vice versa. When it comes to relationships & other things I agonise & think too much second guess myself. Complete opposite"  
[X Link](https://x.com/LarissaFernand/status/1997699595150016897)  2025-12-07T16:07Z 23K followers, [--] engagements


"Sberbank & JSC First Asset Management have unveiled a new mutual fund (First India) that gives Russian retail investors exposure to Indias stock market through the Nifty. The fund was launched during Sberbank CEO Herman Grefs visit to India. Russia has accumulated billions of Indian Rupees from selling discounted oil to India money it cannot convert due to sanctions. Instead of letting the rupees sit idle Sberbank has launched a mutual fund that invests directly into Indias Nifty [--] index giving Russian citizens Russia has accumulated billions of Indian Rupees from selling discounted oil to"  
[X Link](https://x.com/LarissaFernand/status/1997702476175413605)  2025-12-07T16:19Z 23K followers, [----] engagements


"Airlines no longer in operation (post [----] liberalisation of aviation sector) NEPC Airlines EastWest Airlines Damania Airways Paramount Airways Air Deccan- taken over by Kingfisher Sahara- taken over by Jet ModiLuft Kingfisher Jet Airways Indian Airlines- merged with AI Go Air Why all airlines fail in India & keep failing - a very perceptive piece. _By Mohan Murti_ There is no rocket science to why airlines fail in India. You dont need McKinsey. You dont need economists. You dont even need a high-level committee. You just need basic common Why all airlines fail in India & keep failing - a"  
[X Link](https://x.com/LarissaFernand/status/1997714061979693429)  2025-12-07T17:05Z 23K followers, [----] engagements


"@ProsaicView Here is an academic link with details. https://www.mcgill.ca/oss/article/medical-student-contributors-history/fighting-fire-fire-how-nobel-prize-winning-scientists-used-malaria-cure-syphilis https://www.mcgill.ca/oss/article/medical-student-contributors-history/fighting-fire-fire-how-nobel-prize-winning-scientists-used-malaria-cure-syphilis"  
[X Link](https://x.com/LarissaFernand/status/1997860800401453273)  2025-12-08T02:48Z 23K followers, [---] engagements


"@ChanderBhatia01 Wow May I sincerely ask what was your biggest learning from the [----] carnage"  
[X Link](https://x.com/LarissaFernand/status/1998323256923767231)  2025-12-09T09:26Z 23K followers, [---] engagements


"Wise people learn from everyone even from those whom they dislike or disagree with. #7amthoughts"  
[X Link](https://x.com/LarissaFernand/status/1998565832490709489)  2025-12-10T01:30Z 23K followers, [----] engagements


"@AshishMeher7 Irrespective of income & whether units are gifted or not when you sell your mutual fund it is subject to all capital gains (long term or short term). But [----] lakh LTCG is tax free"  
[X Link](https://x.com/LarissaFernand/status/1998674963385962681)  2025-12-10T08:43Z 23K followers, [----] engagements


"@_nirajshah @NDTVProfitIndia Yes. You do like the traditional Christmas cake dont you"  
[X Link](https://x.com/LarissaFernand/status/1999118065834062219)  2025-12-11T14:04Z 23K followers, [---] engagements


"Honestly I don't know if I fear failure or fear being seen as a failure. #7amthoughts"  
[X Link](https://x.com/LarissaFernand/status/1999652995504779597)  2025-12-13T01:30Z 23K followers, [----] engagements


"@PruritusAnii @charassiaaa Read twice before you reply. Hes not commenting on their economic policies but the basics of human life"  
[X Link](https://x.com/LarissaFernand/status/2000406025212752025)  2025-12-15T03:22Z 23K followers, [---] engagements


"@amitabhk87 Please read all the replies. Clearly you live in bubble"  
[X Link](https://x.com/LarissaFernand/status/2002588971235488075)  2025-12-21T03:56Z 23K followers, [---] engagements


"Volatility is treated as something to be reduced or avoided. In truth it is the engine of long-term returns. Its not a defect in the system; its the feature that creates growth. Short-term discomfort is what you pay for future financial independence. @MavenAdviser"  
[X Link](https://x.com/LarissaFernand/status/2002737035388567726)  2025-12-21T13:44Z 23K followers, [----] engagements


"@ADI_99_EDDY @SatanAtWink It started with the uncle saying bachelors are not allowed and went on to drinking & smoking weed. They did not accuse her of making noise"  
[X Link](https://x.com/LarissaFernand/status/2003141777612751324)  2025-12-22T16:33Z 23K followers, [----] engagements


"@RakJhun But as you tweeted Vikas Khemani explained that by the time a stock enters the Index it has already run up a lot. Axis Bank & Infy were up 30x to 85x before they entered the Index. So what does one do Index or Not"  
[X Link](https://x.com/LarissaFernand/status/2003379156059586889)  2025-12-23T08:16Z 23K followers, [----] engagements


"Retirement planning is about building a system that works when you cant or choose not to. Hence planning for it should start as early as possible. My regret - I wish I had started saving consistently way before I actually did"  
[X Link](https://x.com/LarissaFernand/status/2005147877388218525)  2025-12-28T05:24Z 23K followers, [----] engagements


"@SharmaKadambini This country is imploding with hate from within"  
[X Link](https://x.com/LarissaFernand/status/2005149281704194053)  2025-12-28T05:30Z 23K followers, 19.6K engagements


"@KishoreVaid @RakJhun Im never said its not profitable or lucrative"  
[X Link](https://x.com/LarissaFernand/status/2005170939475194058)  2025-12-28T06:56Z 23K followers, [---] engagements


"Starts with SIPs make fund managers rich not you & goes on to Increase your SIP by 15% every year. But yes *Every portfolio needs Equity to beat inflation & create wealth *Increase SIPs every year as income rises *A top-up SIP does wonders for the cumulative investment Your SIP is Making Fund Managers Rich Not You. (This [-----] SIP calculation will tell you why.) You invest in a mutual fund: Monthly SIP [-----] Tenure [--] years Returns 12% Corpus [--] crore But WAIT. You missed the bigger picture: Inflation. Retail Your SIP is Making Fund Managers Rich Not You. (This [-----] SIP calculation will tell"  
[X Link](https://x.com/LarissaFernand/status/2005247603248906643)  2025-12-28T12:00Z 23K followers, [----] engagements


"Interesting stats. Average wedding budget: 39.5L Average destination wedding budget: 58L How weddings were financed: 78.65%: savings 15.2%: loans (15.5L: average loan size) 6.25%: liquidating assets Average guests: [---] Destination wedding average guests: [---] Source👇👇"  
[X Link](https://x.com/LarissaFernand/status/2005264567799341426)  2025-12-28T13:08Z 23K followers, [----] engagements


"Source: WedMeGoods 5th Annual Wedding Report [----] Survey Universe: [----] couples whose weddings were scheduled between Apr [----] & Mar [----] https://www.wedmegood.com/blog/wedmegood-annual-wedding-industry-report-2025-2026/ https://www.wedmegood.com/blog/wedmegood-annual-wedding-industry-report-2025-2026/"  
[X Link](https://x.com/LarissaFernand/status/2005264570982740052)  2025-12-28T13:08Z 23K followers, [---] engagements


"Source: WedMeGoods 5th Annual Wedding Report [----] Survey Universe: [----] couples whose weddings were scheduled between Apr [----] & Mar [----] Median income: (definitely upper middle class) http://wedmegood.com/blog/wedmegood Interesting stats. Average wedding budget: 39.5L Average destination wedding budget: 58L How weddings were financed: 78.65%: savings 15.2%: loans (15.5L: average loan size) 6.25%: liquidating assets Average guests: [---] Destination wedding average guests: [---] Source👇👇 http://wedmegood.com/blog/wedmegood Interesting stats. Average wedding budget: 39.5L Average destination"  
[X Link](https://x.com/LarissaFernand/status/2005275675431952570)  2025-12-28T13:52Z 23K followers, [----] engagements


"Who does the market reward In this column I share insights taken from @notarandomwalks book Booms Busts and Market Cycles. Maneesh Dangi deals in detail with the need to understand human behaviour if one must be a successful investor. Timely for this market. #MCProOpinion To be a successful investor in the long run here are some key pieces of knowledge and some behavioural traits you need to acquire. By @LarissaFernand 👇 https://t.co/O998WCZI9B #MCProOpinion To be a successful investor in the long run here are some key pieces of knowledge and some behavioural traits you need to acquire. By"  
[X Link](https://x.com/LarissaFernand/status/2005502410610106555)  2025-12-29T04:53Z 23K followers, [---] engagements


"Bitcoin is not worth anything. Its the tulip bulb of our time. - Michael Burry This 👇response to the above is 🎯🎯 @PeterMallouk Tulip mania comparison superficial. Tulips had no utility and infinite supply potential. Bitcoin has fixed supply cap verifiable scarcity functions as permissionless value transfer mechanism. "Not worth anything" contradicts reality of active market where participants exchange @PeterMallouk Tulip mania comparison superficial. Tulips had no utility and infinite supply potential. Bitcoin has fixed supply cap verifiable scarcity functions as permissionless value"  
[X Link](https://x.com/LarissaFernand/status/2005506745599459703)  2025-12-29T05:10Z 23K followers, [---] engagements


"Markets reward those who *understand cycles *understand risk premium *understand their risk tolerance *understand the power of NO *dont act irrationally when it surprises Insights from @notarandomwalks book Booms Busts and Market Cycles. My later column👇 #MCPro To be a successful investor in the long run here are some key pieces of knowledge and some behavioural traits you need to acquire. By @LarissaFernand 👇 https://t.co/O998WCZI9B #MCPro To be a successful investor in the long run here are some key pieces of knowledge and some behavioural traits you need to acquire. By @LarissaFernand 👇"  
[X Link](https://x.com/LarissaFernand/status/2005597364556603693)  2025-12-29T11:10Z 23K followers, [----] engagements


""Move out of a euphoric asset class to a fearful asset class. Thats an easier way than deciding whether this is the top." Sankaran Naren of @ICICIPruMF on whether the silver bull run has peaked. Take a step back & ponder if you are buying silver now. As @abcampbell recently stated. Long on silver. Wouldnt buy fresh here. Look to accumulate in the coming drawdown. Stay nimble if youre playing via options. @ValueWithPrem @piyushchaudhry https://t.co/ToOF4vsE4g Take a step back & ponder if you are buying silver now. As @abcampbell recently stated. Long on silver. Wouldnt buy fresh here. Look to"  
[X Link](https://x.com/LarissaFernand/status/2005869162351001878)  2025-12-30T05:10Z 23K followers, [----] engagements


"@nareshbahrain Congratulations May you soar in 2026"  
[X Link](https://x.com/LarissaFernand/status/2005883594024312978)  2025-12-30T06:08Z 23K followers, [---] engagements


"Please give suggestions for a laptop. Need to buy one. Not too high end. Not very expensive"  
[X Link](https://x.com/LarissaFernand/status/2005909370270519300)  2025-12-30T07:50Z 23K followers, 10.2K engagements


"I cant follow the arguments better Akshat Srivastava & Samir Arora Started at one place & landed elsewhere"  
[X Link](https://x.com/LarissaFernand/status/2005939878748725269)  2025-12-30T09:51Z 23K followers, [----] engagements


"Yeah Yeah Yeah All this sounds so cool but what are the options What are the solutions Those with generational wealth wont get scammed what about the rest"  
[X Link](https://x.com/LarissaFernand/status/2006040569458413892)  2025-12-30T16:31Z 23K followers, [----] engagements


"When you have no asset allocation strategy latest performance plays you. A year ago everyone wanted to invest in small and midcaps Today everyone wants to invest in US stocks and Gold/Silver When everyone zigs you need to zag A year ago everyone wanted to invest in small and midcaps Today everyone wants to invest in US stocks and Gold/Silver When everyone zigs you need to zag"  
[X Link](https://x.com/LarissaFernand/status/2006199095132914020)  2025-12-31T03:01Z 23K followers, [----] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing