# ![@money_theory Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1290570782934933504.png) @money_theory Money Theory

Money Theory posts on X about money, india, debt, loan the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1290570782934933504/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1290570782934933504/c:line/m:interactions.svg)

- [--] Week [-------] +219%
- [--] Month [-------] +1,091%
- [--] Months [---------] -40%
- [--] Year [---------] +146%

### Mentions: [--] [#](/creator/twitter::1290570782934933504/posts_active)
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- [--] Month [--] -43%
- [--] Months [---] -41%
- [--] Year [---] +49%

### Followers: [------] [#](/creator/twitter::1290570782934933504/followers)
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- [--] Week [------] +0.19%
- [--] Month [------] +0.40%
- [--] Months [------] +7.90%
- [--] Year [------] +59%

### CreatorRank: [-------] [#](/creator/twitter::1290570782934933504/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1290570782934933504/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [countries](/list/countries)  [automotive brands](/list/automotive-brands)  [technology brands](/list/technology-brands)  [stocks](/list/stocks)  [currencies](/list/currencies)  [social networks](/list/social-networks)  [celebrities](/list/celebrities)  [musicians](/list/musicians)  [us election](/list/us-election) 

**Social topic influence**
[money](/topic/money), [india](/topic/india), [debt](/topic/debt), [loan](/topic/loan), [inflation](/topic/inflation), [stocks](/topic/stocks) #3937, [lakh](/topic/lakh), [investment](/topic/investment) #3868, [retirement](/topic/retirement), [savings](/topic/savings)

**Top accounts mentioned or mentioned by**
[@saveinvestetf](/creator/undefined) [@finprofz](/creator/undefined) [@vivekinvestor](/creator/undefined) [@investingt20](/creator/undefined) [@duttasouravd](/creator/undefined) [@akshatworld](/creator/undefined) [@balugorade](/creator/undefined) [@thetavegacap](/creator/undefined) [@moneytheory](/creator/undefined) [@tahreem57](/creator/undefined) [@dynamicinvstr](/creator/undefined) [@amikalash](/creator/undefined) [@mrmarket99](/creator/undefined) [@compoundingqtly](/creator/undefined) [@dealsdhamaka](/creator/undefined) [@brianferoldi](/creator/undefined) [@dmuthuk](/creator/undefined) [@manoj216](/creator/undefined) [@rjgyanchandani](/creator/undefined) [@jaganmsna](/creator/undefined)

**Top assets mentioned**
[Gains (GAINS)](/topic/gains) [GrokCoin (GROKCOIN)](/topic/grok) [Reserve (RSV)](/topic/reserve) [Microsoft Corp. (MSFT)](/topic/microsoft)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Retail shareholding of BSE Sensex companies as on June [--] [----] L&T having the highest and Bharti airtel having the least retail shareholding"  
[X Link](https://x.com/money_theory/status/1299964246730498049)  2020-08-30T06:56Z 20.5K followers, [--] engagements


"Payout ratios of companies constituting Nifty MNC index Payout ratio = Dividend per share/Earnings per share"  
[X Link](https://x.com/money_theory/status/1301780478974767105)  2020-09-04T07:13Z 13.7K followers, [---] engagements


"'Pay yourself first' is an investor mentality where you automatically route a specified savings contribution from each paycheck at the time of receipt"  
[X Link](https://x.com/money_theory/status/1316962247684575233)  2020-10-16T04:40Z 13.8K followers, [--] engagements


"This is a diagram from the book rich dad poor dad that explains it nicely. Take a moment to observe the direction of cash flow. It works this way: You make income ➡ You save invest ➡ Then you pay taxes rent etc"  
[X Link](https://x.com/money_theory/status/1316962263446716417)  2020-10-16T04:40Z 13.8K followers, [--] engagements


"(1/2) Why a quality + high dividend-paying company gets high pe Say the company EPS is Rs [---]. The payout ratio is 80% which gives a dividend per share of Rs [--]. Giving base 15x pe the price comes at Rs [----] and the div yield stands at 5.3%. @Vivek_Investor"  
[X Link](https://x.com/money_theory/status/1358292163033853952)  2021-02-07T05:51Z 13.8K followers, [--] engagements


"Why buy REITs Regular income tax-efficient highly regulated Why not buy REITs Real estate slowdown conflict of interest market risk"  
[X Link](https://x.com/money_theory/status/1422036936668041217)  2021-08-02T03:30Z 13.7K followers, [--] engagements


"Money has no colour Some make money on IPOs Some make on real estate Some make on money lending Others make on SIP in index funds Calculated risk No risk"  
[X Link](https://x.com/money_theory/status/1837767853618974798)  2024-09-22T08:16Z 13.6K followers, [---] engagements


"IPOs over subscribing 10x-100x Mutual funds holding large cash Index reaching new all-time highs What does this say"  
[X Link](https://x.com/money_theory/status/1838821436552810569)  2024-09-25T06:02Z 13.6K followers, [----] engagements


"If you had invested [----] rupees into Nifty [--] in [----] it would have become [-----] rupees today That's 12% CAGR over [--] years 💰💰💰"  
[X Link](https://x.com/money_theory/status/1839336307379831212)  2024-09-26T16:08Z 13.6K followers, [----] engagements


"@dbalternate87 @Dutta_Souravd @SaveInvest_ETF Use liquid funds to save cash. Use index funds to grow cash"  
[X Link](https://x.com/money_theory/status/1839953505257197880)  2024-09-28T09:01Z 13.6K followers, [---] engagements


"@Dutta_Souravd Only UTI nifty [--] & nifty next [--] index funds"  
[X Link](https://x.com/money_theory/status/1839969839559127177)  2024-09-28T10:06Z 13.6K followers, [----] engagements


"Only a few knew index funds. Only a few knew & invested in index funds. Only a few knew & stayed invested in index funds for a long time. Now you know why index investing is hard"  
[X Link](https://x.com/money_theory/status/1839973373071310860)  2024-09-28T10:20Z 13.6K followers, [---] engagements


"@SaveInvest_ETF Correct. Discipline creates wealth in stock market"  
[X Link](https://x.com/money_theory/status/1839975280829464868)  2024-09-28T10:27Z 13.6K followers, [--] engagements


"@FluentInFinance Another POV: Treat your index fund as your child. Feed it for 20-25 years & it will feed you forever"  
[X Link](https://x.com/money_theory/status/1840021253563818269)  2024-09-28T13:30Z 13.6K followers, [----] engagements


"@Vivek_Investor The time horizon is the biggest hedge a retail investor has. He is not answerable to anyone unlike fund managers which gives him a peaceful investing journey"  
[X Link](https://x.com/money_theory/status/1840023121073492424)  2024-09-28T13:37Z 13.6K followers, [---] engagements


"@The_MMW Looking rich reduces your savings. Being rich increases your wealth"  
[X Link](https://x.com/money_theory/status/1840027749617938821)  2024-09-28T13:56Z 13.6K followers, [--] engagements


"At 7% average inflation prices double every [--] years. Savers are losers. Invest in inflation-beating assets"  
[X Link](https://x.com/money_theory/status/1840256016455262588)  2024-09-29T05:03Z 13.7K followers, [----] engagements


"@thekaipullai On the other side the Big [--] (Blackrock State Street Vanguard) owns a piece of every listed stock & has a controlling influence in corporate actions"  
[X Link](https://x.com/money_theory/status/1840308322475327752)  2024-09-29T08:31Z 13.6K followers, [----] engagements


"@Pravine_e @Dutta_Souravd Avoid ETFs for index investing. Buy MF before cut-off time to get the same-day NAV"  
[X Link](https://x.com/money_theory/status/1840310597264576760)  2024-09-29T08:40Z 13.6K followers, [--] engagements


"@ThetaVegaCap India is one of the fastest-growing markets compared to other major markets"  
[X Link](https://x.com/money_theory/status/1840311000622575897)  2024-09-29T08:41Z 13.6K followers, [---] engagements


"@InvestInAssets Investors love consistent growth & pay premium valuations of their cash flows"  
[X Link](https://x.com/money_theory/status/1840452333165269425)  2024-09-29T18:03Z 13.6K followers, [---] engagements


"I own ITC shares at [---] levels. The [----] dividend itself is 13.75/share (approx 7% return) which translates to the SBI one-year FD rate. Dividend growth investing is wonderful"  
[X Link](https://x.com/money_theory/status/1840600812982079827)  2024-09-30T03:53Z 13.6K followers, [----] engagements


"@naval Acquire skills not degrees. The former makes you money the latter gives you false accomplishment"  
[X Link](https://x.com/money_theory/status/1840628898746318865)  2024-09-30T05:45Z 13.6K followers, [---] engagements


"@Vivek_Investor China stocks"  
[X Link](https://x.com/money_theory/status/1840634580140790062)  2024-09-30T06:07Z 13.6K followers, [---] engagements


"@dividendology For quality businesses the dividend is a steady income. Capital appreciation is a bonus"  
[X Link](https://x.com/money_theory/status/1840758339732373716)  2024-09-30T14:19Z 13.6K followers, [---] engagements


"@SaveInvest_ETF Invest in assets regularly & move one step closer to financial independence"  
[X Link](https://x.com/money_theory/status/1841132975729045948)  2024-10-01T15:08Z 13.7K followers, [--] engagements


"✅Use your active income to buy assets ✅Use your assets to build passive income ✅Use your passive income to buy more assets ✅Quit when your passive income active income"  
[X Link](https://x.com/money_theory/status/1841705282499407973)  2024-10-03T05:02Z 13.7K followers, [---] engagements


"@BrianFeroldi Use Balance sheet for risk Profit and loss for growth Cash flow statement for reality"  
[X Link](https://x.com/money_theory/status/1841814869294612845)  2024-10-03T12:17Z 13.7K followers, [---] engagements


"Diversification protects wealth. Concentration creates wealth"  
[X Link](https://x.com/money_theory/status/1842255892638527884)  2024-10-04T17:30Z 13.7K followers, [----] engagements


"If you are [--] years old and - Has a job - Has no debt - Invest regularly - Live below means - Has the emergency fund You are already ahead of most people in terms of financial position"  
[X Link](https://x.com/money_theory/status/1842453023366468074)  2024-10-05T06:33Z 13.7K followers, [----] engagements


"@Dutta_Souravd Loan EMI is fixed. Market returns are not. Never use leverage for long-term investing"  
[X Link](https://x.com/money_theory/status/1843208253452558532)  2024-10-07T08:34Z 13.7K followers, [---] engagements


"Hyundai India paid a dividend of [-----] crores to the parent company during FY [--]. This is a whopping *933%* increase compared to the FY [--] payout & 80% of their FY [--] Other equity. The cash balance decreased from [-----] crores to [---] crores. Meaning that the parent company paid itself one big fat paycheck before the IPO"  
[X Link](https://x.com/money_theory/status/1843995872096670180)  2024-10-09T12:44Z 13.1K followers, 77K engagements


"@moneylogy Well played by Hyundai South Korea"  
[X Link](https://x.com/money_theory/status/1844006277405618608)  2024-10-09T13:25Z 13.7K followers, [--] engagements


"@DividendGrowth If everyone becomes an index investor tomorrow the index bursts. Active wins"  
[X Link](https://x.com/money_theory/status/1844007730224492563)  2024-10-09T13:31Z 13.1K followers, [---] engagements


"@BrianFeroldi On the contrary buy & hold S&P [---] index fund. The index will verify continually & remove inefficiencies"  
[X Link](https://x.com/money_theory/status/1844064143688728752)  2024-10-09T17:15Z 13.1K followers, [---] engagements


"@tsatwork Agreed. Nothing wrong or illegal. It looked off to take most cash. That's all"  
[X Link](https://x.com/money_theory/status/1844228511927762950)  2024-10-10T04:08Z 13.1K followers, [----] engagements


"@sigmundmaharaj1 Hyundai IPO is a no-brainer deal for the parent co. They are the biggest beneficiaries"  
[X Link](https://x.com/money_theory/status/1844229019568570575)  2024-10-10T04:10Z 13.7K followers, [----] engagements


"@Akshat_World Rich use loopholes to avoid taxes. The poor have no taxes. The middle class neither know loopholes nor pay zero taxes"  
[X Link](https://x.com/money_theory/status/1844239766222668132)  2024-10-10T04:53Z 13.1K followers, 16K engagements


"As of FY 24: Passenger vehicles market share: Maruti: 41.84% Hyundai: 14.61% Tata Motors: 13.57% M & M: 10.93% 3-year EPS growth: Maruti: 49% Hyundai: 28% Tata Motors: Loss to profit M & M: 20% P/E ratio: Maruti: [-----] Hyundai: [-----] Tata motors: [----] M & M: 35.28"  
[X Link](https://x.com/money_theory/status/1844260364592218280)  2024-10-10T06:15Z 13.7K followers, [----] engagements


"@ThetaVegaCap This age rule is a noob-friendly way to calculate allocation. Subtract your age from [---] and use that % for equity allocation"  
[X Link](https://x.com/money_theory/status/1844404245908553970)  2024-10-10T15:46Z 13.1K followers, [---] engagements


"@RukhshadShroff I know equity means ownership in an asset. I wrote about the timing of cash out"  
[X Link](https://x.com/money_theory/status/1844405880961556808)  2024-10-10T15:53Z 13.1K followers, [---] engagements


"@Dutta_Souravd A simple wealth creation path in equities: SIP in index funds. Lump sum during corrections. Do nothing"  
[X Link](https://x.com/money_theory/status/1844676053832257896)  2024-10-11T09:46Z 15.5K followers, [----] engagements


"@Vivek_Investor Coffee can investing: We invest in the strongest companies in India which can be held for [--] years or more. But if the stock price doesn't rise in the short term we sell"  
[X Link](https://x.com/money_theory/status/1844710175472542066)  2024-10-11T12:02Z 13.1K followers, [----] engagements


"If you invest [-----] in PPF today your fixed annual return after [--] years will be an impressive *19%* not 7% with the added benefit of EEE. PPF is the noob-friendly way to compound your money"  
[X Link](https://x.com/money_theory/status/1844954336524152927)  2024-10-12T04:12Z 13.1K followers, [----] engagements


"India's largest IPO's listing gains/losses: DLF: 36% LIC: -7.75% GIC: -4.56% Zomato: 66% Paytm: -27.25% Cairn India: -12% SBI cards: -9.51% Coal India: 39.73% ICICI Pru life: -1.5% Reliance Power: -17.22% New India Assurance: -6% Only [--] out of [--] IPOs gave listing gains"  
[X Link](https://x.com/money_theory/status/1844986281895305471)  2024-10-12T06:19Z 13.1K followers, [----] engagements


"@SaveInvest_ETF Some of these have not even touched the listing price again"  
[X Link](https://x.com/money_theory/status/1844989504135856361)  2024-10-12T06:32Z 13.1K followers, [--] engagements


"@BrianFeroldi A high dividend yield compared to historical yields is also a sign that the company is priced lower by the market & may be undervalued"  
[X Link](https://x.com/money_theory/status/1845480324123242820)  2024-10-13T15:02Z 13.6K followers, [----] engagements


"If you are [--] years old and have a 10+ year horizon. First invest 75% of your money regularly into Nifty [--] index fund Nifty next [--] index fund Second invest lump sum during corrections. Lastly Do nothing. And that's all you need for wealth creation in equity"  
[X Link](https://x.com/money_theory/status/1846412869690163370)  2024-10-16T04:48Z 13.6K followers, [----] engagements


"80C limit in 2014: [------] 80C limit in 2024: [-------] At an average inflation rate of 5.2% over the past decade prices have increased by 66% compared to zero increase in the 80C limit"  
[X Link](https://x.com/money_theory/status/1847664656116044057)  2024-10-19T15:42Z 32.3K followers, 246.6K engagements


"@SaveInvest_ETF They may not. But it's a reminder that the limit has not increased since the decade"  
[X Link](https://x.com/money_theory/status/1847667492199813575)  2024-10-19T15:53Z 32.3K followers, [----] engagements


"@cmankad Yes. But I find the old regime attractive due to its tax-exempt options"  
[X Link](https://x.com/money_theory/status/1847886081863065896)  2024-10-20T06:22Z 32.3K followers, [----] engagements


"@surftestlearn Agree. But at least one starts monthly investments in Indian equity he may add global funds slowly to his portfolio after gaining knowledge"  
[X Link](https://x.com/money_theory/status/1848385933684490623)  2024-10-21T15:28Z 13.6K followers, [--] engagements


"@surftestlearn My above post is aimed at general-class people. I believe it should work"  
[X Link](https://x.com/money_theory/status/1848386353546871142)  2024-10-21T15:30Z 13.6K followers, [--] engagements


"Ignore short-term "noise" to create long-term wealth "quietly""  
[X Link](https://x.com/money_theory/status/1848624414478176677)  2024-10-22T07:16Z 13.6K followers, [----] engagements


"@SaveInvest_ETF Correct"  
[X Link](https://x.com/money_theory/status/1848631537450856810)  2024-10-22T07:44Z 13.6K followers, [--] engagements


"FD has inflation risk Equities have market risk Gold has Geo political risk Real estate has liquidity risk Corporate bonds have default risk Crypto has volatility & regulatory risk There is no risk-free investment. Understand what risks suit you and choose accordingly"  
[X Link](https://x.com/money_theory/status/1850063820665848098)  2024-10-26T06:36Z 18.8K followers, [----] engagements


"Instead of asking 'How much will this cost me' Ask 'How much will this earn me' Shift from consumer to creator spender to investor"  
[X Link](https://x.com/money_theory/status/1850533198398185867)  2024-10-27T13:41Z 32.3K followers, [----] engagements


"How Indian equity investors' taxation evolved over the past decade: 2016: 10% dividend tax introduced on High Net Worth individuals 2018: Long-term capital gains (LTCG) tax introduced at 10% 2019: 20% buyback tax introduced on net proceeds 2020: Dividends now became taxable in the hands of all investors 2024: LTCG increased to 12.5%. STCG increased to 20% 10% buyback tax on gross proceeds To conclude we are taxed on dividends capital gains and buybacks"  
[X Link](https://x.com/money_theory/status/1850901871092699413)  2024-10-28T14:06Z 32.3K followers, [----] engagements


"@term_investor Why all this Charge 100% on both capital gains and losses & take all our money"  
[X Link](https://x.com/money_theory/status/1851164830578901442)  2024-10-29T07:31Z 32.3K followers, [--] engagements


"@LifeAfterFI That is a risky move. Alternatively I've seen people who take home loans at low rates only to lend at higher rates. This one works"  
[X Link](https://x.com/money_theory/status/1851653365702287537)  2024-10-30T15:52Z 32.3K followers, [--] engagements


"A monthly SIP of [-----] for [--] years gives you a maturity amount of: [----] crore at 12% return [----] crore at 11% return Thats a difference of over [--] lakh That's how important 1% of expenses are"  
[X Link](https://x.com/money_theory/status/1852342330444915198)  2024-11-01T13:30Z 15.9K followers, [----] engagements


"By investing [---] in a Nifty [--] index fund youre putting your money into: [----] in Reliance Industries Ltd [----] in Tata Consultancy Services Ltd (TCS) [----] in HDFC Bank Ltd [----] in Bharti Airtel Ltd [----] in ICICI Bank Ltd [----] in State Bank of India (SBI) [----] in Infosys Ltd [----] in ITC Ltd [----] in Hindustan Unilever Ltd [----] in Larsen & Toubro Ltd (L&T) and [-----] spread across [--] other top Indian companies Invest in Indias leading companies all in one go"  
[X Link](https://x.com/money_theory/status/1852704715286708426)  2024-11-02T13:30Z 13.8K followers, [----] engagements


"Time is the friend of an investor and the enemy of a borrower"  
[X Link](https://x.com/money_theory/status/1852916109521105310)  2024-11-03T03:30Z 13.7K followers, [----] engagements


"The Indian stock market has fallen -38% in [----] -60% in [----] -48% in [----] -40% in [----] -44% in [----] But it bounced back to new highs every single time Since its inception the Indian stock market has delivered long-term average returns of around 12-15% annually Dont let short-term fear overshadow long-term potential"  
[X Link](https://x.com/money_theory/status/1853067104137994466)  2024-11-03T13:30Z 13.8K followers, 15K engagements


"@SaveInvest_ETF Diversification is the key"  
[X Link](https://x.com/money_theory/status/1853139311689879717)  2024-11-03T18:16Z 13.7K followers, [--] engagements


"Connoisseurs - Warren Buffett Raiders -Carl Icahn Assassins - Paul Tudor Jones Hunters - Seth Klarman Rabbit - Novice retail investor Stag - IPO investors Whale - BlackRock Tortoise - John C Bogle Pig - Speculative retail investor Wolf - Harshad Mehta Ostrich - Buy and hold investors Sheep - Telegram investors Bear - Peter Schiff Bull - Rakesh Jhunjhunwala"  
[X Link](https://x.com/money_theory/status/1853394569133523173)  2024-11-04T11:11Z 13.8K followers, [---] engagements


"196.7 Lakh Crores Thats how many Indians parked in bank fixed deposits as of Oct [--]. But heres the catch: With a 7% return after a 30% tax cut and 5.2% inflation were looking at a yearly wealth erosion of [-----] crores Deposits are great for emergencies not for growing your wealth. Diversify"  
[X Link](https://x.com/money_theory/status/1853429491013701707)  2024-11-04T13:30Z 13.7K followers, [----] engagements


"@Dutta_Souravd [--] - [--] are the building blocks for the rest of your life. Upskill Invest regularly Save aggressively Invest in experiences Build emergency fund Build a second stream of income"  
[X Link](https://x.com/money_theory/status/1853441197567557718)  2024-11-04T14:16Z 13.8K followers, [----] engagements


"3 LPA employee works for [--] hrs [--] LPA employee works for [--] hrs The greater your judgement value the larger you get paid"  
[X Link](https://x.com/money_theory/status/1853489552817893629)  2024-11-04T17:28Z 13.8K followers, 10.2K engagements


"I heard that India has one of the highest fuel tax rates globally where over 50% of the final price is tax compared to just 15-20% in the U.S. Is that true If so why such a big difference And who is the ultimate beneficiary"  
[X Link](https://x.com/money_theory/status/1853858389933035774)  2024-11-05T17:54Z 13.9K followers, [----] engagements


"Earning an extra [-----] per month equals having [-----] lakhs invested in an FD at 7% return. Both give the same income Earning makes you rich. Investing keeps you rich"  
[X Link](https://x.com/money_theory/status/1854018371441873063)  2024-11-06T04:30Z 13.9K followers, [----] engagements


"GST on petrol: 0% GST on rented car: 12% GST on own car: 28% Rent a car Dont own a car"  
[X Link](https://x.com/money_theory/status/1854138098562593204)  2024-11-06T12:25Z 13.9K followers, [---] engagements


"A typical Indian is Satisfied with 6% FD returns Yet unsatisfied with 12% equity returns"  
[X Link](https://x.com/money_theory/status/1854154268636242053)  2024-11-06T13:30Z 13.9K followers, [----] engagements


"Make Your Child a Crorepati Invest [-----] in a Nifty [--] index fund when your child is born. Then invest [----] monthly until they turn [--]. By age [--] your total investment would be around [----] lakh. Assuming a 12% annual return you can stop contributing at [--] and by [--] it could grow to nearly [----] crore Bonus: Teach your child to invest [-----] monthly from age [--] by age [--] this could grow to [----] crore. A simple way to secure their future"  
[X Link](https://x.com/money_theory/status/1854365660404723728)  2024-11-07T03:30Z 14.1K followers, 18.5K engagements


"@dmuthuk Time is the biggest edge a retail investor has over professionals"  
[X Link](https://x.com/money_theory/status/1854376445709357226)  2024-11-07T04:12Z 13.9K followers, [---] engagements


"Sagility India reported a net profit of [----] crores for the June [----] quarter. But if you add [---] crores of liability related to acquisition which may or may not be paid [----] crore share-based payment expenses now covered by the holding company [----] crores temporary amortization of acquired intangibles The adjusted profit comes at [-----] crores which is 549% more than the reported profit"  
[X Link](https://x.com/money_theory/status/1854421737951092934)  2024-11-07T07:12Z 13.9K followers, [----] engagements


"@ShrikantKu89161 UTI Nifty [--] index fund & UTI nifty Next [--] index fund"  
[X Link](https://x.com/money_theory/status/1854447380491272507)  2024-11-07T08:54Z 13.9K followers, [---] engagements


"@manoj_216 The last 2-year rupee depreciation is under 2% against the historic median 2-year depreciation of 7%"  
[X Link](https://x.com/money_theory/status/1854454845987553650)  2024-11-07T09:24Z 13.9K followers, [---] engagements


"@i__pavy Where you got this inflation number"  
[X Link](https://x.com/money_theory/status/1854516344781168783)  2024-11-07T13:28Z 15.6K followers, [---] engagements


"Want to cut long-term capital gains taxes Heres how: Sec 54: Sold a property Buy another to save up to [--] crore Sec 54F: Any other asset gains Buy a house for similar savings up to [--] crore Sec 54EC: Sold a land/ building Invest up to [--] lakhs in NHAI/REC bonds to cut taxes"  
[X Link](https://x.com/money_theory/status/1854516656791302154)  2024-11-07T13:30Z 14.1K followers, [----] engagements


"@contrarianEPS Sell investor courses"  
[X Link](https://x.com/money_theory/status/1854565079447994709)  2024-11-07T16:42Z 13.9K followers, [----] engagements


"Financial moves youll never regret: Investing early Living below your means Avoiding high-interest debt Having an adequate insurance Creating a second stream of income Building a 3-6 months emergency fund"  
[X Link](https://x.com/money_theory/status/1854728049096597729)  2024-11-08T03:30Z 13.9K followers, [---] engagements


"@Dutta_Souravd I agree with FD. But real estate does beat inflation provided you do the proper research and invest in the right property"  
[X Link](https://x.com/money_theory/status/1854821739596767430)  2024-11-08T09:42Z 14K followers, [---] engagements


"You see the BMW car but not the [--] lakh car loan. You see the Maldives trip but not the [--] lakh credit card debt. You see the luxury watches but not the [--] in retirement savings. Social media is just a highlight reel. Dont let it mislead you"  
[X Link](https://x.com/money_theory/status/1854879044678111490)  2024-11-08T13:30Z 14K followers, [----] engagements


"FD return: 7% Tax rate: 30% Inflation: 5.2% Real return: -0.3% FDs are great for emergencies not for growth"  
[X Link](https://x.com/money_theory/status/1855090436487979303)  2024-11-09T03:30Z 14K followers, [----] engagements


"@manoj_216 Mutual funds mean outsourcing your equity investing job to them"  
[X Link](https://x.com/money_theory/status/1855147117259768163)  2024-11-09T07:15Z 13.9K followers, [---] engagements


"@dmuthuk Simple rule for wealth creation in equity: SIP in index funds Step up SIP + Lump sum Do nothing Still most people fail to generate returns due to discipline and behavior"  
[X Link](https://x.com/money_theory/status/1855148546816905497)  2024-11-09T07:20Z 14K followers, [---] engagements


"@manoj_216 Alternatively one can use index funds to avoid fund manager selection risk as well"  
[X Link](https://x.com/money_theory/status/1855151196706947421)  2024-11-09T07:31Z 14K followers, [----] engagements


"@tahreem57 Absolutely. Very few implement this. A video game implements this system the best to retain gamers"  
[X Link](https://x.com/money_theory/status/1855229081471623443)  2024-11-09T12:40Z 14K followers, [--] engagements


"Investing is the real key to building wealth not just saving. Saving 40000/month for [--] years in a savings account = [---] Crores Investing 40000/month for [--] years in a mutual fund with Nifty [--] returns = [----] Crores You cant save your way to financial freedom. You must invest to create real wealth"  
[X Link](https://x.com/money_theory/status/1855241432946147511)  2024-11-09T13:30Z 14K followers, [----] engagements


"@SaveInvest_ETF Absolutely. That's how you reach your financial goals"  
[X Link](https://x.com/money_theory/status/1855246160224735232)  2024-11-09T13:48Z 14K followers, [---] engagements


"@ThetaVegaCap You get dividend income after doing nothing. You get rent income after dealing with property taxes vacancy rates and maintenance costs"  
[X Link](https://x.com/money_theory/status/1855247013857878163)  2024-11-09T13:52Z 14K followers, [----] engagements


"@TS16440978 I am not talking about real rich people but fake influencers who act rich"  
[X Link](https://x.com/money_theory/status/1855248398313758917)  2024-11-09T13:57Z 14K followers, [--] engagements


"@spectatorindex China funded Goldman Sachs 😃"  
[X Link](https://x.com/money_theory/status/1855249676397908381)  2024-11-09T14:02Z 14K followers, [----] engagements


"@RJGyanchandani 10% on [--] lakh = [-----] 10% on [--] lakhs = [------] 10% on [--] crore = [-------] Focus on capital accumulation instead of return maximization"  
[X Link](https://x.com/money_theory/status/1855252644119343275)  2024-11-09T14:14Z 14K followers, [---] engagements


"@SaveInvest_ETF I save approximately 50% - 60% of my income excluding employer contributions"  
[X Link](https://x.com/money_theory/status/1855254981911224809)  2024-11-09T14:23Z 14K followers, [--] engagements


"@SaveInvest_ETF We all will 🔥"  
[X Link](https://x.com/money_theory/status/1855256355415703576)  2024-11-09T14:29Z 14K followers, [--] engagements


"@Sriniva00128621 I used official CPI numbers"  
[X Link](https://x.com/money_theory/status/1855280168816021983)  2024-11-09T16:03Z 14K followers, [--] engagements


"@ThetaVegaCap Mutual funds come at the top and collect AUM. Speculators come at the top and lose money"  
[X Link](https://x.com/money_theory/status/1855321499915153874)  2024-11-09T18:48Z 14K followers, [---] engagements


"@Ranked90 Zerodha Top Indian stock broker"  
[X Link](https://x.com/money_theory/status/1855321900521537680)  2024-11-09T18:49Z 14.1K followers, [--] engagements


"@ThetaVegaCap The best time to invest was yesterday. The next best time is today"  
[X Link](https://x.com/money_theory/status/1855327526194704507)  2024-11-09T19:12Z 14K followers, [---] engagements


"Your idea of success: [--] crore homes [--] crore luxury cars [--] lakh weddings Luxury watches My idea of success: [--] crore in diversified investments [--] high-interest debt 12-month emergency fund Financial freedom to retire comfortably We are not the same"  
[X Link](https://x.com/money_theory/status/1855452824341012895)  2024-11-10T03:30Z 14K followers, [----] engagements


"You spend income pay GST You use water pay water tax You buy fuel pay excise duty You earn income pay income tax You drive on the road pay toll tax You buy assets pay STT stamp duty You sell assets pay capital gains taxes You own a property pay property taxes You earn from assets and pay income tax again Tax is a normalised scam"  
[X Link](https://x.com/money_theory/status/1855505681148755973)  2024-11-10T07:00Z 14.2K followers, [----] engagements


"@MrMarket99 We have long term capital gains taxes as well"  
[X Link](https://x.com/money_theory/status/1855520168207847877)  2024-11-10T07:57Z 14K followers, [--] engagements


"@DearS_o_n A man who reads the books needs to hit the gym. A man who hits the gym needs to read books. Physical + Mental health = Real health"  
[X Link](https://x.com/money_theory/status/1855557765516702111)  2024-11-10T10:27Z 14K followers, [---] engagements


"@vkpandey @IndiaEtfs Fund manager risk"  
[X Link](https://x.com/money_theory/status/1855603112867926435)  2024-11-10T13:27Z 14K followers, [--] engagements


"I shop at DMart so I own Avenue Supermarts. I bank with HDFC so I own HDFC Bank. I use Jio for my mobile network so I own Reliance. I drive a Maruti so I own Maruti Suzuki. I dont just buy stocksI invest in the companies I trust and use daily. What about you"  
[X Link](https://x.com/money_theory/status/1855603819197108522)  2024-11-10T13:30Z 21.2K followers, [----] engagements


"SIP + SWP: The Wealth Power Move Invest 50000/month via SIP for [--] years. Then withdraw 100000/month for the next [--] years 🤯 Total Investment: [-------] Total Payout: [--------] Consistent steps today create massive opportunities tomorrow"  
[X Link](https://x.com/money_theory/status/1855815213821645189)  2024-11-11T03:30Z 14.1K followers, 34.8K engagements


"Buy assets Make income Buy more assets Make more income Retire"  
[X Link](https://x.com/money_theory/status/1855966209587683799)  2024-11-11T13:30Z 14.1K followers, [----] engagements


"@CompoundingQtly Simple but not easy"  
[X Link](https://x.com/money_theory/status/1855966810601865647)  2024-11-11T13:32Z 14.1K followers, [--] engagements


"@dividendology Why not both Reasonable dividend growth on a good starting dividend yield"  
[X Link](https://x.com/money_theory/status/1856023675570409916)  2024-11-11T17:18Z 14.3K followers, [---] engagements


"Why own equity Downside: 100% Upside: Infinite"  
[X Link](https://x.com/money_theory/status/1856183386831798384)  2024-11-12T03:53Z 14.3K followers, [----] engagements


"@rajatinvest Correct. Most of the Indians think of equity as gambling. But nifty includes the largest companies in our country which have real value"  
[X Link](https://x.com/money_theory/status/1856333906359791746)  2024-11-12T13:51Z 14.1K followers, [---] engagements


"Treat equity as your third child. Feed him for 20-25 years. He will feed you for the rest of your life"  
[X Link](https://x.com/money_theory/status/1856902375383928844)  2024-11-14T03:30Z 14.3K followers, [----] engagements


"@UB_Udipta @MrMarket99 You will know it only if you have a deep understanding of your portfolio companies"  
[X Link](https://x.com/money_theory/status/1856937042002722978)  2024-11-14T05:47Z 15.6K followers, [--] engagements


"The middle-class debt trap in India: Wedding: 20-30 lakh Car Loan: 8-12 lakh Student Loans: 10-20 lakh Mortgage: 40-60 lakh Thats 80-120 lakh in debt before [--] Society sets you up for a lifetime of debt. Choose freedom over the cycle"  
[X Link](https://x.com/money_theory/status/1857627152252121500)  2024-11-16T03:30Z 15.6K followers, [----] engagements


"You have: Phone EMI Home EMI Car EMI I have: Gold SIP Stocks SIP Mutual funds SIP We are not the same"  
[X Link](https://x.com/money_theory/status/1857778146935976387)  2024-11-16T13:30Z 14.3K followers, 54.3K engagements


"By investing [---] in a Sensex index fund you're investing: [-----] in HDFC Bank [-----] in Reliance Industries [----] in ICICI Bank [----] in Infosys [----] in ITC [----] in TCS [----] in L&T [----] in Axis Bank [----] in Kotak Mahindra Bank [----] in Hindustan Unilever and [-----] into [--] of Indias leading companies. Sensex = A slice of Indias top 30"  
[X Link](https://x.com/money_theory/status/1857989538947137920)  2024-11-17T03:30Z 15.7K followers, [----] engagements


"@BullMarkets1 How do you value a stock"  
[X Link](https://x.com/money_theory/status/1858027291915203000)  2024-11-17T06:00Z 15.6K followers, [---] engagements


"@satvikkhare31 Yes. But I dont spend it on EMI"  
[X Link](https://x.com/money_theory/status/1858058110260089084)  2024-11-17T08:02Z 14.3K followers, [---] engagements


"@Doland_Trump11 Every loan is good as long as you know how much to take it and how to use it correctly. But the above post is about people who take loans irresponsibly"  
[X Link](https://x.com/money_theory/status/1858059390357537194)  2024-11-17T08:07Z 14.3K followers, [--] engagements


"@ShrikantKu89161 @zaipalreddy Pick the UTI Nifty [--] index fund to get index exposure"  
[X Link](https://x.com/money_theory/status/1858059948829118603)  2024-11-17T08:09Z 14.3K followers, [--] engagements


"@elonmusk It's Trump"  
[X Link](https://x.com/money_theory/status/1858185661083246823)  2024-11-17T16:29Z 14.3K followers, [---] engagements


"If you invest [------] at a 12% annual return it grows to: After [--] years: [------] After [--] years: [------] After [--] years: [-------] But with 7% inflation its today's value is: After [--] years: [------] After [--] years: [------] After [--] years: [------] Compounding thrills Inflation kills"  
[X Link](https://x.com/money_theory/status/1858714316771303862)  2024-11-19T03:30Z 14.3K followers, [----] engagements


"@Dutta_Souravd Active income is the key to passive income"  
[X Link](https://x.com/money_theory/status/1858825344884822411)  2024-11-19T10:51Z 15.7K followers, [---] engagements


"10% on [--] lakh = [-----] 10% on [--] lakhs = [--] lakh 10% on [--] crore = [--] lakhs Focus on capital accumulation not on return maximisation"  
[X Link](https://x.com/money_theory/status/1859076703751971043)  2024-11-20T03:30Z 15.8K followers, [----] engagements


"@cb_doge [--] min per hour"  
[X Link](https://x.com/money_theory/status/1859179385598755258)  2024-11-20T10:18Z 14.3K followers, [--] engagements


"@Vivek_Investor Correct. Long-term earnings deterioration is more imp than short-term declines. And the true investor knows the difference between both"  
[X Link](https://x.com/money_theory/status/1860244752421056887)  2024-11-23T08:51Z 15.6K followers, [---] engagements


"@vikram_lingam Correct. AI alone will not give content itself. But with proper prompts & good reference material AI helps a lot"  
[X Link](https://x.com/money_theory/status/1860247207498096798)  2024-11-23T09:01Z 15.6K followers, [--] engagements


"@chuktima Huge dividend yield 🔥"  
[X Link](https://x.com/money_theory/status/1860270881441730641)  2024-11-23T10:35Z 15.8K followers, 15.9K engagements


"@sunnythedoctor All the best Sunil"  
[X Link](https://x.com/money_theory/status/1860272752386626028)  2024-11-23T10:42Z 15.6K followers, [----] engagements


"@Csankaliya143 Not sustainable"  
[X Link](https://x.com/money_theory/status/1860351035971371499)  2024-11-23T15:53Z 15.8K followers, [---] engagements


"@harivaayuguru This is the reason I have emphasized *relatively* Investing is all about probabilities. Even during bank runs you will lose your FD outside deposit insurance"  
[X Link](https://x.com/money_theory/status/1860353163448189443)  2024-11-23T16:02Z 15.6K followers, [--] engagements


"@nsitharaman @BJP4Maharashtra @BJP4India @JPNadda @cbawankule @Dev_Fadnavis @mieknathshinde @AjitPawarSpeaks Thank you. Now please remove LTCG & STT on equities"  
[X Link](https://x.com/money_theory/status/1860360597746896926)  2024-11-23T16:31Z 15.6K followers, [---] engagements


"@SaveInvest_ETF Congrats man"  
[X Link](https://x.com/money_theory/status/1860383351800058291)  2024-11-23T18:02Z 15.6K followers, [--] engagements


"Adani Group Financial Snapshot: Total Debt: 2.37L Cr Total Equity: [-----] Cr Interest Cost: [-----] Cr Cash Flow: [-----] Cr Debt to Equity: [----] Interest to Cash Flow: [----] Indias giant in numbers. Whats your take"  
[X Link](https://x.com/money_theory/status/1860617084541043055)  2024-11-24T09:30Z 15.6K followers, [----] engagements


"@jaganmsna Every co does capex. It is cash flow that's real and imp. Let's hope you are right"  
[X Link](https://x.com/money_theory/status/1860639038547394795)  2024-11-24T10:58Z 15.6K followers, [---] engagements


"@Lifeinvestmoney Now. Give me that dividends stock that gives a 50% yearly yield. Will sell my house & buy"  
[X Link](https://x.com/money_theory/status/1860739791303672054)  2024-11-24T17:38Z 15.8K followers, [--] engagements


"Your First [--] Lakh Teaches You Discipline. Your First [--] Lakh Teaches You Patience. Your First [--] Crore Teaches You Freedom. Investing isnt just about money; its about what you become"  
[X Link](https://x.com/money_theory/status/1860888641629024566)  2024-11-25T03:30Z 15.8K followers, 39.5K engagements


"@SaveInvest_ETF Risk management is the first step. Return maximization is the second step. Most people do these in reverse order"  
[X Link](https://x.com/money_theory/status/1861029282291515426)  2024-11-25T12:48Z 15.8K followers, [---] engagements


"How long it takes to double your money on average: FD: [--] years (6% return) Debt funds: [--] years (7% return) Real Estate: [--] years (8% return) Balanced funds: [--] years (10% return) Gold: [--] years (10% return) Equity mutual funds: [--] years (12% return) Direct stocks: [--] years (15% return) Which one you choose"  
[X Link](https://x.com/money_theory/status/1861251031243595997)  2024-11-26T03:30Z 15.8K followers, 12.3K engagements


"@raghav_vjay Left because of too much capital risk"  
[X Link](https://x.com/money_theory/status/1861319259034395134)  2024-11-26T08:01Z 15.9K followers, [---] engagements


"Return on Equity (RoE): The ratio that separates great companies from mediocre ones. Let me Simplify it for you. THREAD//"  
[X Link](https://x.com/money_theory/status/1861412893922672824)  2024-11-26T14:13Z 15.8K followers, [----] engagements


"Let's use Hindustan Unilever (HUL) as an example. For FY [--] HUL has [-----] crore assets and [-----] crore liabilities so the equity comes at [-----] crores. Also the firm made a net profit of [-----] crores which translates to 20% RoE"  
[X Link](https://x.com/money_theory/status/1861412902063779966)  2024-11-26T14:13Z 19K followers, [---] engagements


"Three drivers (DuPont analysis): This is where things get interesting. You can rewrite the formula below RoE = (Net profit/Sales) * (Sales/Assets) * (Assets/Equity) After further rewriting it looks like this RoE = Net margin * Asset turnover * Financial leverage"  
[X Link](https://x.com/money_theory/status/1861412907642146980)  2024-11-26T14:13Z 19K followers, [---] engagements


"Driver [--] (Asset turnover): This tells you how efficiently the assets are being used to generate sales. Asset turnover = Sales/assets A ratio of [--] indicates that [--] rupee worth of sales is being generated using [--] rupee worth of assets. The higher the ratio the better"  
[X Link](https://x.com/money_theory/status/1861412915795878291)  2024-11-26T14:13Z 19K followers, [---] engagements


"Driver [--] (Financial leverage): This ratio tells you how well the assets are financed. Financial leverage = Assets/Equity A ratio of [--] indicates that [--] rupee worth assets are financed by [--] rupee equity and the balance by other liabilities"  
[X Link](https://x.com/money_theory/status/1861412919130329485)  2024-11-26T14:13Z 19K followers, [---] engagements


"What is an ideal RoE As a thumb rule any firm making RoE above 15% *consistently* is doing great. Also you can compare firm RoE with industry peers or industry average"  
[X Link](https://x.com/money_theory/status/1861412927439314976)  2024-11-26T14:13Z 18.9K followers, [---] engagements


"To conclude RoE = operational efficiency * asset efficiency * capital structure. Let me know "Whats the RoE of your favourite stock" in the comments section. That's it folks. Thank you for reading"  
[X Link](https://x.com/money_theory/status/1861412933038731347)  2024-11-26T14:13Z 18.9K followers, [----] engagements


"@MrMarket99 Index investing is a noob-friendly way to get market returns"  
[X Link](https://x.com/money_theory/status/1861460126906921351)  2024-11-26T17:20Z 15.7K followers, [---] engagements


"@MananJhaveris Yes. Maybe I should have. Left crypto because of huge capital risk"  
[X Link](https://x.com/money_theory/status/1861675292999512574)  2024-11-27T07:35Z 15.9K followers, [--] engagements


"A monthly SIP of [-----] at a 10% return gives you [--] crore in [--] years and 2nd crore in just [--] years Thats the power of compounding money making money"  
[X Link](https://x.com/money_theory/status/1861764416091656662)  2024-11-27T13:30Z 15.8K followers, 13.7K engagements


"@The_Anti_Hype See the historical performance of gold & nifty and then decide mayur"  
[X Link](https://x.com/money_theory/status/1861806012027572467)  2024-11-27T16:15Z 15.8K followers, [---] engagements


"@WOLF_Financial Trade F&O Use leverage Watch CNBC Buy high sell low Buy penny stocks Buy based on stock tips"  
[X Link](https://x.com/money_theory/status/1861826448597684687)  2024-11-27T17:36Z 15.8K followers, [---] engagements


"@Akshat_World The first assumption itself is wrong. I am an Indian. I earn & spend in Indian rupees. Now if you talk about a country's net foreign spending & its effect due to USD rate. That's another topic"  
[X Link](https://x.com/money_theory/status/1862043687615656100)  2024-11-28T07:59Z 15.7K followers, [--] engagements


"@Akshat_World The first assumption itself is wrong. I am an Indian. I earn & spend in Indian rupees. Now if you talk about a country's net foreign spending & its effect due to USD rate. That's another topic"  
[X Link](https://x.com/money_theory/status/1862044295278019071)  2024-11-28T08:02Z 15.7K followers, [----] engagements


"@Akshat_World Not Agra. But last time I checked I hadn't purchased an iPhone in USD 😉. Read my second line I said there is an indirect impact not like the generalised impact you mentioned"  
[X Link](https://x.com/money_theory/status/1862049646199144852)  2024-11-28T08:23Z 15.7K followers, [---] engagements


"@rhcsd319820 @Akshat_World You're right imported goods factor in USD costs. However the majority of an Indian's financial lifeearnings savings and spendingoccurs in INR. Focus on INR inflation not just USD's indirect impact"  
[X Link](https://x.com/money_theory/status/1862060819418165293)  2024-11-28T09:07Z 15.7K followers, [---] engagements


"@ThetaVegaCap SIP is a win-win situation. In a bull market you get more returns. In a bear market you get more units"  
[X Link](https://x.com/money_theory/status/1862105078829596718)  2024-11-28T12:03Z 15.8K followers, [----] engagements


"@achusk123 From my limited knowledge Most of them don't even know what income tax return is"  
[X Link](https://x.com/money_theory/status/1862369809918566609)  2024-11-29T05:35Z 15.8K followers, [---] engagements


"@realavinash37 Correct. The people who pay taxes get the least benefit from them"  
[X Link](https://x.com/money_theory/status/1862371653399011796)  2024-11-29T05:42Z 15.9K followers, [----] engagements


"@Curiousbitch111 Lol. True. They use multiple family members UPIs"  
[X Link](https://x.com/money_theory/status/1862378659354706379)  2024-11-29T06:10Z 15.8K followers, [---] engagements


"Whether you earn [--] lakh or [--] lakh investing is crucial. Get your free SIP plan tailored to your age & savings today. https://moneytheory.gumroad.com/l/opqdxh https://moneytheory.gumroad.com/l/opqdxh"  
[X Link](https://x.com/money_theory/status/1862399207321289037)  2024-11-29T07:32Z 15.8K followers, [----] engagements


"@connectgurmeet The number one rule is anything offered above the SBI FD rate has risk associated with it. Understand the risk (market risk liquidity risk etc) & see whether you are ready to take it. Also every time there are unusual return guarantees ask how he makes money"  
[X Link](https://x.com/money_theory/status/1862449438851309601)  2024-11-29T10:52Z 18.5K followers, [---] engagements


"GDP growth is down to 5.4%. That's it. That's the post"  
[X Link](https://x.com/money_theory/status/1862536586061041919)  2024-11-29T16:38Z 15.8K followers, [----] engagements


"@SaveInvest_ETF Correct. Actually everyone is posting on GDP. So I also posted plain numbers. But I should have redrafted much more sarcastically though 😄"  
[X Link](https://x.com/money_theory/status/1862549352096371047)  2024-11-29T17:29Z 15.8K followers, [--] engagements


"@aviralbhat Middle-class survival plan: Invest in tax-efficient investments Build multiple sources of income Build [--] months emergency fund Avoid high-interest loans Upskills to stay ahead Stay insured. Adapt and thrive"  
[X Link](https://x.com/money_theory/status/1863210682251911334)  2024-12-01T13:16Z 15.9K followers, [----] engagements


"Personal income tax collections: 2019-20: [------] crores 2023-24: [-------] crores Thats a 112% increase in [--] years. Are we earning more or just paying more"  
[X Link](https://x.com/money_theory/status/1863227645913145679)  2024-12-01T14:24Z 15.9K followers, [----] engagements


"@ALifeing AI affects every field. AI won't replace you. The person who learns AI replaces you. Top audit firms like PwC invested a lot in GenAI. For instance ChatPwC was launched which helps a lot in auditing mundane tasks"  
[X Link](https://x.com/money_theory/status/1863240736470094238)  2024-12-01T15:16Z 15.8K followers, [---] engagements


"Me: Spending [--] min to draft a good x post gets 50-100 likes. Tiffany in the meanwhile: 💀 good morning i woke up to pee so I guess i am awake now. good morning i woke up to pee so I guess i am awake now"  
[X Link](https://x.com/money_theory/status/1863247854837403963)  2024-12-01T15:44Z 15.8K followers, [----] engagements


"@GurujiInvesting If Elon reposts my posts regularly. I can post - "I invest in index funds" & get [----] likes"  
[X Link](https://x.com/money_theory/status/1863253630029074843)  2024-12-01T16:07Z 15.8K followers, [--] engagements


"@Interest_Rate96 Yes"  
[X Link](https://x.com/money_theory/status/1863275815204462772)  2024-12-01T17:35Z 15.8K followers, [--] engagements


"75000/month salary + [--] investments = Struggling in [--] years. 50000/month salary + [-----] investments = [--] crore in [--] years. Your income wont make you richinvesting will. Start today"  
[X Link](https://x.com/money_theory/status/1863425356356800800)  2024-12-02T03:30Z 15.9K followers, [----] engagements


"GDP falls increase taxes Inflation rises increase taxes Unemployment grows increase taxes Fiscal deficit widens increase taxes Oil prices soar increase taxes Global slowdown hits increase taxes Stock markets rise increase taxes Middle-class struggles increase taxes Is this the only policy we know""  
[X Link](https://x.com/money_theory/status/1863644987826614671)  2024-12-02T18:02Z 16.3K followers, [----] engagements


"Want to invest but dont know where to start Nifty [--] Index Fund Tracks Indias top [--] companies. Nifty Next [--] Index Fund Tracks India's Next [--] companies. Start simple with index funds. Your future self will thank you"  
[X Link](https://x.com/money_theory/status/1863787746021564703)  2024-12-03T03:30Z 17K followers, [----] engagements


"10+ years of dividend growthmeet the Indian Dividend Champions HUL increased its dividends by 9% which marks the 20th consecutive year of dividend growth. ITC increased its dividends by 12% which marks the 18th consecutive year of dividend growth. Asian Paints increased its dividends by 11% which marks the 17th consecutive year of dividend growth. Nestl India increased its dividends by 12.5% which marks the 16th consecutive year of dividend growth. HDFC Bank increased its dividends by 10% which marks the 15th consecutive year of dividend growth. TCS increased its dividends by 10.5% which"  
[X Link](https://x.com/money_theory/status/1864150132499075488)  2024-12-04T03:30Z 17.2K followers, [----] engagements


"5 Signs Youre Winning Financially: Youre investing for retirement (80% of urban Indians arent). Youre debt-free (Household debt is 39% of GDP). You have an emergency fund (75% lack one). You have health insurance (Only 37% of Indians are insured). You own your car outright (No EMI = freedom). How many can you check off"  
[X Link](https://x.com/money_theory/status/1865025905648693265)  2024-12-06T13:30Z 15.9K followers, [----] engagements


"Large-cap mutual funds manage [----] lakh crore in AUM. 80% underperform the index while charging 1%-2% fees compared to 0.1%-0.5% for index funds. Thats [----] crore yearlypaid as a donation to Asset managers. Whos winninginvestors or Asset managers"  
[X Link](https://x.com/money_theory/status/1865388290574029060)  2024-12-07T13:30Z 19K followers, [----] engagements


"@CompoundingQtly How Why not stick with index funds at least in the large-cap category & win in the long term"  
[X Link](https://x.com/money_theory/status/1865394123517391277)  2024-12-07T13:53Z 15.9K followers, [---] engagements


"@CompoundingQtly Large-cap funds hug index. Not much diversification"  
[X Link](https://x.com/money_theory/status/1865462817974866212)  2024-12-07T18:26Z 15.9K followers, [--] engagements


"What's the best money habit Invest. Keep investing. Market falls Invest. Market rises Invest. Got salary Invest. Received a bonus Invest. Stressed about retirement Invest. Only [---] savings Invest. In your 20s Invest. In your 40s Invest. Want financial freedom Invest. Its not about timingits about consistency. Invest Invest Invest. Make your future self proud"  
[X Link](https://x.com/money_theory/status/1866324460565037086)  2024-12-10T03:30Z 16.3K followers, [----] engagements


"A job gives you income to survive. A business builds wealth to thrive. The average job pays 3.8L/year. A thriving business It takes effort but No limits. Jobs are todays comfort. Businesses are tomorrows freedom. Which one are you building for"  
[X Link](https://x.com/money_theory/status/1866867864965160977)  2024-12-11T15:29Z 15.9K followers, [----] engagements


"@SaveInvest_ETF We all are 🙌💯"  
[X Link](https://x.com/money_theory/status/1866874619325714529)  2024-12-11T15:56Z 15.9K followers, [--] engagements


"SIP amount required to reach [--------] by age [--] with a 12% return: Age 20: 2861/month Age 25: 5322/month Age 30: 10108/month Age 35: 20016/month Age 40: 43470/month Age 45: 122444/month Lesson: Start investing early"  
[X Link](https://x.com/money_theory/status/1867237480145236112)  2024-12-12T15:58Z 16.3K followers, [----] engagements


"How much should you expect in returns Debt: Inflation + 1-2% Gold: Inflation + 2-4% Equities: Inflation + 4-6% Real Estate: Inflation + 2-4% Fixed Deposits: Inflation - 1-2% Savings Account: Inflation - 2-3% Crypto: High returns with high volatility Are you beating inflationor losing value Whats your biggest allocation"  
[X Link](https://x.com/money_theory/status/1867865287896584523)  2024-12-14T09:32Z 16.3K followers, [----] engagements


"Credit card debt @ 36% interest = Your debt doubles every [----] years. Instead of growing your wealth youre shrinking it. Get out of debt before you invest"  
[X Link](https://x.com/money_theory/status/1868136398160540153)  2024-12-15T03:30Z 16.3K followers, [----] engagements


"A farmer earns [--] crore and pays zero income taxes. An employee earns [--] crore and pays 30% in income taxes. Fair or broken tax system Whats your view"  
[X Link](https://x.com/money_theory/status/1868259787852648623)  2024-12-15T11:40Z 16.7K followers, 12.3K engagements


"1 crore today buys a house. [--] crore in [--] years buys a car. [--] crore in [--] years buys a sofa. At 7% inflation your wealth shrinks faster than you think. Invest in assets that grow faster than inflation. Your future depends on it"  
[X Link](https://x.com/money_theory/status/1868498786261045296)  2024-12-16T03:30Z 16.3K followers, 99.1K engagements


"@GingerTrader44 Hm. They are useful in compounding our debt faster then🤠"  
[X Link](https://x.com/money_theory/status/1868515365619437988)  2024-12-16T04:35Z 16.3K followers, [--] engagements


"@hegdeamh The point is your value of money declines. Due to this you will be able to buy only a normal car at that time"  
[X Link](https://x.com/money_theory/status/1869078381595357540)  2024-12-17T17:53Z 16.3K followers, [--] engagements


"A typical Indian is Happy to work in the top [---] companies. Yet afraid to invest in the top [---] companies"  
[X Link](https://x.com/money_theory/status/1869948338357031391)  2024-12-20T03:30Z 16.4K followers, [----] engagements


"@SaveInvest_ETF Congrats"  
[X Link](https://x.com/money_theory/status/1870465019223162948)  2024-12-21T13:43Z 16.3K followers, [--] engagements


"Coming soon: 5% GST on plain dosa 12% GST on onion dosa 18% GST on masala dosa 28% GST on paneer dosa Will GST become the new chutney for dosa"  
[X Link](https://x.com/money_theory/status/1870475140070515012)  2024-12-21T14:23Z 16.4K followers, [----] engagements


"Coming soon: 5% GST on breathing in Delhi 12% GST on breathing in villages 18% GST on breathing Air-conditioned air 28% GST on breathing Himalayan mountain air Is air next on the GST radar"  
[X Link](https://x.com/money_theory/status/1870476952093765985)  2024-12-21T14:30Z 16.4K followers, [----] engagements


"@SaveInvest_ETF But GST is supposed to be simpler"  
[X Link](https://x.com/money_theory/status/1870478278571729097)  2024-12-21T14:35Z 16.3K followers, [---] engagements


"@Ravisutanjani Coming soon: 5% GST on breathing in Delhi 12% GST on breathing in villages 18% GST on breathing Air-conditioned air 28% GST on breathing Himalayan mountain air"  
[X Link](https://x.com/money_theory/status/1870489390314889607)  2024-12-21T15:19Z 16.3K followers, [----] engagements


"@dmuthuk Nirmala Sitharaman is highly concerned towards the middle class. She doesn't want them to suffer from diabetes"  
[X Link](https://x.com/money_theory/status/1870493183567941999)  2024-12-21T15:35Z 16.4K followers, 16.5K engagements


"@poojalapasia Good one 😆"  
[X Link](https://x.com/money_theory/status/1870750494702158155)  2024-12-22T08:37Z 16.3K followers, [---] engagements


"10 lakh in fixed deposits at 7% = [--] lakh in [--] years. [--] lakh in equity at 12% = [--] lakh in [--] years. The real cost of safety is [--] lakh in lost growth. Safety or growth Which one you chose"  
[X Link](https://x.com/money_theory/status/1870898929480708521)  2024-12-22T18:27Z 16.4K followers, [----] engagements


"@GingerTrader44 Equities have market risks. SEBI won't give you back money"  
[X Link](https://x.com/money_theory/status/1871063741888188444)  2024-12-23T05:22Z 16.3K followers, [--] engagements

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