[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @kendheswapnil VivekTaru VivekTaru posts on X about financial planner, asset allocation, money, debt the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1910648952/interactions)  - X Week XXXXXX +460% - X Month XXXXXXX -XX% - X Months XXXXXXX +63% - X Year XXXXXXX +47% ### Mentions: XX [#](/creator/twitter::1910648952/posts_active)  - X Week XX +68% - X Month XX -XX% - X Months XXX +198% - X Year XXX +116% ### Followers: XXXXX [#](/creator/twitter::1910648952/followers)  - X Week XXXXX +0.78% - X Month XXXXX +2.10% - X Months XXXXX +15% - X Year XXXXX +37% ### CreatorRank: XXXXXXX [#](/creator/twitter::1910648952/influencer_rank)  ### Social Influence [#](/creator/twitter::1910648952/influence) --- **Social category influence** [finance](/list/finance) XX% [countries](/list/countries) XXXX% [technology brands](/list/technology-brands) XXXX% [currencies](/list/currencies) XXXX% [stocks](/list/stocks) XXXX% **Social topic influence** [financial planner](/topic/financial-planner) #194, [asset allocation](/topic/asset-allocation) #781, [money](/topic/money) 7.89%, [debt](/topic/debt) #914, [stocks](/topic/stocks) 5.26%, [retirement](/topic/retirement) #1572, [all the](/topic/all-the) 5.26%, [lakh](/topic/lakh) 2.63%, [fear of](/topic/fear-of) 2.63%, [aur](/topic/aur) XXXX% **Top accounts mentioned or mentioned by** [@investrepeat](/creator/undefined) [@leadsdaway](/creator/undefined) [@iaashishpawar](/creator/undefined) [@revhappy2](/creator/undefined) [@friendeleven12](/creator/undefined) [@1in13billion](/creator/undefined) [@lifeafterfi](/creator/undefined) [@kaush16733](/creator/undefined) [@rv_i03](/creator/undefined) [@gquotesforlife](/creator/undefined) [@ramamoorthy_h](/creator/undefined) [@patilinvests](/creator/undefined) [@i_aashishpawar](/creator/undefined) [@suhasbadhe](/creator/undefined) [@sumit_218](/creator/undefined) [@s112151](/creator/undefined) [@thangaul](/creator/undefined) [@pragya_nidhi1](/creator/undefined) [@sharmaaniket03](/creator/undefined) [@northmadrasguy](/creator/undefined) **Top assets mentioned** [Unilever plc (UL)](/topic/$ul) ### Top Social Posts [#](/creator/twitter::1910648952/posts) --- Top posts by engagements in the last XX hours "I live in a joint family and have a cousin in her first year of engineering. I take care of all her educational expenses. Never bothered to run a separate portfolio for her higher education. I wont do it for her marriage nor for my sons higher education. Adequate liquidity in the portfolio and a sensible asset allocation suited to your age asset size and risk tolerance are enough. If you have adequate assets for your goals there are a thousand ways to make withdrawals when the time comes. Wheres the need to run separate portfolios for individual goals and keep reducing equity in each as the" [X Link](https://x.com/kendheswapnil/status/1976835695365796136) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-11T02:22Z 6805 followers, 4209 engagements "99.9% of Muthuji's followers didn't know about it. Now they do. And some will rush to buy it just like they did with his previous picks. Par Muthuji ko kya. He got his praise for his transparency" [X Link](https://x.com/kendheswapnil/status/1979351582614655206) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-18T00:59Z 6805 followers, 6866 engagements "Coming out of a mall a salesgirl approached me and started speaking in English. I panicked and told her I dont understand English please speak in Hindi. Later my wife said Tu English tar boltowhy did you ask her to speak in Hindi She was right. But what could I do That was my reflexive reaction. Coming from a Marathi school the fear of English is something that has settled deep in my subconscious" [X Link](https://x.com/kendheswapnil/status/1979748799670083877) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-19T03:17Z 6805 followers, 5544 engagements "Muthuji ne "Mutual Fund Sahi Hai" bolana shuru kiya tha aur stock investing ka rasta bhatake followers thoda raste pe aa hi rahe the.ki firse track change kar diye. MF me invest karne wale followers ko bhi stocks me invest karake hi manenge Muthuji" [X Link](https://x.com/kendheswapnil/status/1979752176223441338) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-19T03:31Z 6806 followers, 2372 engagements "Would you be happy with XX% equity return in a year Any day. Right But what if I tell you that X month treasury bond yield is XX% That's Egypt for you. Its the return over risk free return that matters not the nominal return" [X Link](https://x.com/kendheswapnil/status/1980848680233246862) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-22T04:08Z 6814 followers, 3374 engagements "Approx. Government Bond Yields: 1-Year: XXXX% 10-Year: XXXX% 20-Year: XXXX% Just because longer-term government bonds are offering higher yields doesnt mean you should put money you will need within a year in a Gilt Fund with a 20-year average maturity. For short-term needs a Money Market Fund is more appropriate irrespective of current yields" [X Link](https://x.com/kendheswapnil/status/1977947940774879384) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-14T04:01Z 6813 followers, 2618 engagements "A client financially free left job and been writing a novel since last one year. One of the perks of being a fixed-fee financial planner is you get to work with such interesting people" [X Link](https://x.com/kendheswapnil/status/1979009618161402210) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-17T02:20Z 6814 followers, 1319 engagements "Theres a man whos had me blocked here for a while yet I still receive his WhatsApp broadcast messages. I guess some things just find a way to reach you 😄" [X Link](https://x.com/kendheswapnil/status/1980476273538584794) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-21T03:28Z 6814 followers, 1503 engagements "@InvestRepeat Governments don't default on local currency denominated debt obligations. This is from the perspective of an Egyptian investor" [X Link](https://x.com/kendheswapnil/status/1980853539758043389) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-22T04:27Z 6814 followers, XXX engagements "My datasheet has these fun questions; and trust me their answers reveal things that numbers alone cant capture. I found them in a book by an Australian financial planner and liked them so much that I decided to include them in the datasheet. Imagine you are living a happy life. Think of what that life looks like to you: - In which city & the country are you - What does the surrounding neighbourhood look like - What does your family life look like - What are you doing for work How much time do you spend working - How do you relax What are your hobbies - Having answered all the above questions" [X Link](https://x.com/kendheswapnil/status/1975750369637470562) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-08T02:29Z 6806 followers, 3111 engagements "@1in13billion I am a financial planner. There are thousand other things I have to care about in a client's portfolio and life not just return" [X Link](https://x.com/kendheswapnil/status/1976887227574894626) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-11T05:46Z 6806 followers, XXX engagements "A womans parents gifting a significant sum to her husbands HUF instead of her directly is stupid. She has no claim over the HUF property. HUF property belongs only to coparceners and she is not a coparcener in her husbands HUF. Likewise a woman trasferring her own assets to her husband's HUF through her parents is equally stupid" [X Link](https://x.com/kendheswapnil/status/1978276865862160487) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-15T01:48Z 6811 followers, 1688 engagements "When I look back quitting my job at XX turned out to be the best decision of my life. I was a production executive at Hindustan Unilever back then. And I had no interest in machines. The decision looked stupid and immature at the time and I did suffer for a few years because of it but it gave me a fulfilling life I wouldnt have had otherwise. People should let those in their 20s do stupid things. Who knows what looks stupid to you might actually turn out to be the wiser choice" [X Link](https://x.com/kendheswapnil/status/1978653169787060603) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-16T02:44Z 6807 followers, 5503 engagements "@LifeAfterFI RJ took crazy risks with both his investments and health. Risk paid off in investing but backfired in health" [X Link](https://x.com/kendheswapnil/status/1980139277456658866) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-20T05:09Z 6810 followers, XXX engagements "@i_aashishpawar Check this How to manage your corpus after financial independence and early retirement" [X Link](https://x.com/kendheswapnil/status/1980602585372410085) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-21T11:50Z 6807 followers, XX engagements "@i_aashishpawar Happy Diwali" [X Link](https://x.com/kendheswapnil/status/1980604246132420806) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-21T11:57Z 6807 followers, XX engagements "@Leadsdaway Jo khud bhagwan nahi hote unka bhagwan asset allocation hota hai" [X Link](https://x.com/kendheswapnil/status/1979218980482224603) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-17T16:12Z 6812 followers, XXX engagements "Honestly I dont remember when I last checked my portfolio returns. I think I never did. I just track my asset allocation and net worth. I keep the allocation close to target and the net worth is going up just fine" [X Link](https://x.com/kendheswapnil/status/1979222942958661897) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-17T16:28Z 6812 followers, 2171 engagements "If you are not a full time investor maintain some margin of safety in asset allocation. Avoid going beyond XX% in equity and keep at least XX% in Debt. Understand that your risk tolerance in any asset class is revealed only during market corrections. And your ability to handle exposure to an asset class is at least XX% lower than what you believe it is" [X Link](https://x.com/kendheswapnil/status/1976104713658712336) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-09T01:57Z 6813 followers, 4214 engagements "He is a humble man. If you look closely you will see him quietly fishing for praise about his humility" [X Link](https://x.com/kendheswapnil/status/1980117078234554576) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-20T03:41Z 6813 followers, 4824 engagements "A very good article on the topic by Sumit here. At the start of a career as a fixed-fee financial planner the main question is: At what rate can I get work given that more experienced planners are already in the market Its only when you are fairly established that you can sit down and determine what your hourly rate should be taking into account the amount of work you can do the work you want to do the revenue you want to target and the type of clients you want to work with; while still delivering more value than the rate you charge for a clear conscience. A higher rate doesnt necessarily" [X Link](https://x.com/kendheswapnil/status/1980503143340470710) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-21T05:15Z 6813 followers, 3203 engagements "A retired client with inadequate assets to fund the retirement. What do you do as a financial planner Get mobile number of the elder son and talk with him. Explain him the situation and ask him to lighten the financial burden on his father. There is only so much a financial adviser can do in a clients portfolio. Some issues need to be handled outside the portfolio" [X Link](https://x.com/kendheswapnil/status/1975388912588636631) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-07T02:33Z 6814 followers, 5331 engagements "Advisers who don't generally have all the details about all their clients' financial and life situation kisi financial planner ke saamne return ki baat na kare. You see a part of a client's portfolio we look at the entire picture" [X Link](https://x.com/kendheswapnil/status/1976888513288454302) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-11T05:52Z 6814 followers, 1235 engagements "Sometimes I get on introductory calls with prospects who are in a hurry and already believe they know it all. I start giving them every reason why they shouldn't engage me as a financial planner. What value can I possibly add to a person who is convinced he has all the answers And I am a slow thinker. I can't play rapid chess with a client. I prefer conversations where you can pause reflect and think before making a move" [X Link](https://x.com/kendheswapnil/status/1977551009179435348) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-13T01:44Z 6814 followers, 4368 engagements "A fund manager has a style bias. The market for a while rewards that style. People hail him as a wizard and pour money into his fund. Then the style underperforms. Investors flee to another manager whose style now matches the market behavior. And the cycle continues" [X Link](https://x.com/kendheswapnil/status/1980109567808963027) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-20T03:11Z 6814 followers, 33.1K engagements "Is a X crore corpus (excluding primary residence) and an annual income of over XX lac sufficient at age XX Not if you are the son of a high-earning father who lived like a king and left no assets to support the same lifestyle. Your expenses exceed your income and your family accustomed to a certain lifestyle doesnt understand personal finance" [X Link](https://x.com/kendheswapnil/status/1980837968295403988) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-22T03:25Z 6814 followers, 8761 engagements "@InvestRepeat Defaults in local currency denominated obligations is rare since Government can print the money. Happens in rare situations where there is hyperinflation and debt restructuring becomes essential" [X Link](https://x.com/kendheswapnil/status/1980868026435334261) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-22T05:25Z 6814 followers, XXX engagements "How do you protect wealth in a country facing hyperinflation By holding real assets: gold real estate and equity in strong businesses. Cash and bonds will burn to ashes" [X Link](https://x.com/kendheswapnil/status/1980889485564068207) [@kendheswapnil](/creator/x/kendheswapnil) 2025-10-22T06:50Z 6814 followers, 1612 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@kendheswapnil VivekTaru
VivekTaru posts on X about financial planner, asset allocation, money, debt the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXXX +460%
- X Month XXXXXXX -XX%
- X Months XXXXXXX +63%
- X Year XXXXXXX +47%
Mentions: XX #
- X Week XX +68%
- X Month XX -XX%
- X Months XXX +198%
- X Year XXX +116%
Followers: XXXXX #
- X Week XXXXX +0.78%
- X Month XXXXX +2.10%
- X Months XXXXX +15%
- X Year XXXXX +37%
CreatorRank: XXXXXXX #
Social Influence #
Social category influence finance XX% countries XXXX% technology brands XXXX% currencies XXXX% stocks XXXX%
Social topic influence financial planner #194, asset allocation #781, money 7.89%, debt #914, stocks 5.26%, retirement #1572, all the 5.26%, lakh 2.63%, fear of 2.63%, aur XXXX%
Top accounts mentioned or mentioned by @investrepeat @leadsdaway @iaashishpawar @revhappy2 @friendeleven12 @1in13billion @lifeafterfi @kaush16733 @rv_i03 @gquotesforlife @ramamoorthy_h @patilinvests @i_aashishpawar @suhasbadhe @sumit_218 @s112151 @thangaul @pragya_nidhi1 @sharmaaniket03 @northmadrasguy
Top assets mentioned Unilever plc (UL)
Top Social Posts #
Top posts by engagements in the last XX hours
"I live in a joint family and have a cousin in her first year of engineering. I take care of all her educational expenses. Never bothered to run a separate portfolio for her higher education. I wont do it for her marriage nor for my sons higher education. Adequate liquidity in the portfolio and a sensible asset allocation suited to your age asset size and risk tolerance are enough. If you have adequate assets for your goals there are a thousand ways to make withdrawals when the time comes. Wheres the need to run separate portfolios for individual goals and keep reducing equity in each as the"
X Link @kendheswapnil 2025-10-11T02:22Z 6805 followers, 4209 engagements
"99.9% of Muthuji's followers didn't know about it. Now they do. And some will rush to buy it just like they did with his previous picks. Par Muthuji ko kya. He got his praise for his transparency"
X Link @kendheswapnil 2025-10-18T00:59Z 6805 followers, 6866 engagements
"Coming out of a mall a salesgirl approached me and started speaking in English. I panicked and told her I dont understand English please speak in Hindi. Later my wife said Tu English tar boltowhy did you ask her to speak in Hindi She was right. But what could I do That was my reflexive reaction. Coming from a Marathi school the fear of English is something that has settled deep in my subconscious"
X Link @kendheswapnil 2025-10-19T03:17Z 6805 followers, 5544 engagements
"Muthuji ne "Mutual Fund Sahi Hai" bolana shuru kiya tha aur stock investing ka rasta bhatake followers thoda raste pe aa hi rahe the.ki firse track change kar diye. MF me invest karne wale followers ko bhi stocks me invest karake hi manenge Muthuji"
X Link @kendheswapnil 2025-10-19T03:31Z 6806 followers, 2372 engagements
"Would you be happy with XX% equity return in a year Any day. Right But what if I tell you that X month treasury bond yield is XX% That's Egypt for you. Its the return over risk free return that matters not the nominal return"
X Link @kendheswapnil 2025-10-22T04:08Z 6814 followers, 3374 engagements
"Approx. Government Bond Yields: 1-Year: XXXX% 10-Year: XXXX% 20-Year: XXXX% Just because longer-term government bonds are offering higher yields doesnt mean you should put money you will need within a year in a Gilt Fund with a 20-year average maturity. For short-term needs a Money Market Fund is more appropriate irrespective of current yields"
X Link @kendheswapnil 2025-10-14T04:01Z 6813 followers, 2618 engagements
"A client financially free left job and been writing a novel since last one year. One of the perks of being a fixed-fee financial planner is you get to work with such interesting people"
X Link @kendheswapnil 2025-10-17T02:20Z 6814 followers, 1319 engagements
"Theres a man whos had me blocked here for a while yet I still receive his WhatsApp broadcast messages. I guess some things just find a way to reach you 😄"
X Link @kendheswapnil 2025-10-21T03:28Z 6814 followers, 1503 engagements
"@InvestRepeat Governments don't default on local currency denominated debt obligations. This is from the perspective of an Egyptian investor"
X Link @kendheswapnil 2025-10-22T04:27Z 6814 followers, XXX engagements
"My datasheet has these fun questions; and trust me their answers reveal things that numbers alone cant capture. I found them in a book by an Australian financial planner and liked them so much that I decided to include them in the datasheet. Imagine you are living a happy life. Think of what that life looks like to you: - In which city & the country are you - What does the surrounding neighbourhood look like - What does your family life look like - What are you doing for work How much time do you spend working - How do you relax What are your hobbies - Having answered all the above questions"
X Link @kendheswapnil 2025-10-08T02:29Z 6806 followers, 3111 engagements
"@1in13billion I am a financial planner. There are thousand other things I have to care about in a client's portfolio and life not just return"
X Link @kendheswapnil 2025-10-11T05:46Z 6806 followers, XXX engagements
"A womans parents gifting a significant sum to her husbands HUF instead of her directly is stupid. She has no claim over the HUF property. HUF property belongs only to coparceners and she is not a coparcener in her husbands HUF. Likewise a woman trasferring her own assets to her husband's HUF through her parents is equally stupid"
X Link @kendheswapnil 2025-10-15T01:48Z 6811 followers, 1688 engagements
"When I look back quitting my job at XX turned out to be the best decision of my life. I was a production executive at Hindustan Unilever back then. And I had no interest in machines. The decision looked stupid and immature at the time and I did suffer for a few years because of it but it gave me a fulfilling life I wouldnt have had otherwise. People should let those in their 20s do stupid things. Who knows what looks stupid to you might actually turn out to be the wiser choice"
X Link @kendheswapnil 2025-10-16T02:44Z 6807 followers, 5503 engagements
"@LifeAfterFI RJ took crazy risks with both his investments and health. Risk paid off in investing but backfired in health"
X Link @kendheswapnil 2025-10-20T05:09Z 6810 followers, XXX engagements
"@i_aashishpawar Check this How to manage your corpus after financial independence and early retirement"
X Link @kendheswapnil 2025-10-21T11:50Z 6807 followers, XX engagements
"@i_aashishpawar Happy Diwali"
X Link @kendheswapnil 2025-10-21T11:57Z 6807 followers, XX engagements
"@Leadsdaway Jo khud bhagwan nahi hote unka bhagwan asset allocation hota hai"
X Link @kendheswapnil 2025-10-17T16:12Z 6812 followers, XXX engagements
"Honestly I dont remember when I last checked my portfolio returns. I think I never did. I just track my asset allocation and net worth. I keep the allocation close to target and the net worth is going up just fine"
X Link @kendheswapnil 2025-10-17T16:28Z 6812 followers, 2171 engagements
"If you are not a full time investor maintain some margin of safety in asset allocation. Avoid going beyond XX% in equity and keep at least XX% in Debt. Understand that your risk tolerance in any asset class is revealed only during market corrections. And your ability to handle exposure to an asset class is at least XX% lower than what you believe it is"
X Link @kendheswapnil 2025-10-09T01:57Z 6813 followers, 4214 engagements
"He is a humble man. If you look closely you will see him quietly fishing for praise about his humility"
X Link @kendheswapnil 2025-10-20T03:41Z 6813 followers, 4824 engagements
"A very good article on the topic by Sumit here. At the start of a career as a fixed-fee financial planner the main question is: At what rate can I get work given that more experienced planners are already in the market Its only when you are fairly established that you can sit down and determine what your hourly rate should be taking into account the amount of work you can do the work you want to do the revenue you want to target and the type of clients you want to work with; while still delivering more value than the rate you charge for a clear conscience. A higher rate doesnt necessarily"
X Link @kendheswapnil 2025-10-21T05:15Z 6813 followers, 3203 engagements
"A retired client with inadequate assets to fund the retirement. What do you do as a financial planner Get mobile number of the elder son and talk with him. Explain him the situation and ask him to lighten the financial burden on his father. There is only so much a financial adviser can do in a clients portfolio. Some issues need to be handled outside the portfolio"
X Link @kendheswapnil 2025-10-07T02:33Z 6814 followers, 5331 engagements
"Advisers who don't generally have all the details about all their clients' financial and life situation kisi financial planner ke saamne return ki baat na kare. You see a part of a client's portfolio we look at the entire picture"
X Link @kendheswapnil 2025-10-11T05:52Z 6814 followers, 1235 engagements
"Sometimes I get on introductory calls with prospects who are in a hurry and already believe they know it all. I start giving them every reason why they shouldn't engage me as a financial planner. What value can I possibly add to a person who is convinced he has all the answers And I am a slow thinker. I can't play rapid chess with a client. I prefer conversations where you can pause reflect and think before making a move"
X Link @kendheswapnil 2025-10-13T01:44Z 6814 followers, 4368 engagements
"A fund manager has a style bias. The market for a while rewards that style. People hail him as a wizard and pour money into his fund. Then the style underperforms. Investors flee to another manager whose style now matches the market behavior. And the cycle continues"
X Link @kendheswapnil 2025-10-20T03:11Z 6814 followers, 33.1K engagements
"Is a X crore corpus (excluding primary residence) and an annual income of over XX lac sufficient at age XX Not if you are the son of a high-earning father who lived like a king and left no assets to support the same lifestyle. Your expenses exceed your income and your family accustomed to a certain lifestyle doesnt understand personal finance"
X Link @kendheswapnil 2025-10-22T03:25Z 6814 followers, 8761 engagements
"@InvestRepeat Defaults in local currency denominated obligations is rare since Government can print the money. Happens in rare situations where there is hyperinflation and debt restructuring becomes essential"
X Link @kendheswapnil 2025-10-22T05:25Z 6814 followers, XXX engagements
"How do you protect wealth in a country facing hyperinflation By holding real assets: gold real estate and equity in strong businesses. Cash and bonds will burn to ashes"
X Link @kendheswapnil 2025-10-22T06:50Z 6814 followers, 1612 engagements