# ![@pratik0227 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::3005879762.png) @pratik0227 🎓 CA Pratik Bharda

🎓 CA Pratik Bharda posts on X about gold, stocks, money, inflation the most. They currently have [---] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::3005879762/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3005879762/c:line/m:interactions.svg)

- [--] Week [------] -13%
- [--] Month [-------] -11%
- [--] Months [-------] +1,142%
- [--] Year [-------] +171,735%

### Mentions: [--] [#](/creator/twitter::3005879762/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3005879762/c:line/m:posts_active.svg)

- [--] Week [--] +48%
- [--] Month [--] -9.40%
- [--] Months [---] +5,350%
- [--] Year [---] +6,560%

### Followers: [---] [#](/creator/twitter::3005879762/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3005879762/c:line/m:followers.svg)

- [--] Week [---] +4.50%
- [--] Month [---] +13%
- [--] Months [---] +1,371%
- [--] Year [---] +1,509%

### CreatorRank: [---------] [#](/creator/twitter::3005879762/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3005879762/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  74% [countries](/list/countries)  8% [technology brands](/list/technology-brands)  7% [stocks](/list/stocks)  3% [currencies](/list/currencies)  2% [cryptocurrencies](/list/cryptocurrencies)  2% [social networks](/list/social-networks)  1% [exchanges](/list/exchanges)  1% [financial services](/list/financial-services)  1% [automotive brands](/list/automotive-brands)  1%

**Social topic influence**
[gold](/topic/gold) 11%, [stocks](/topic/stocks) #4302, [money](/topic/money) 6%, [inflation](/topic/inflation) 5%, [math](/topic/math) 5%, [india](/topic/india) 5%, [liquidity](/topic/liquidity) 5%, [ai](/topic/ai) 4%, [silver](/topic/silver) 4%, [business](/topic/business) 4%

**Top accounts mentioned or mentioned by**
[@kalpenparekh](/creator/undefined) [@akshatworld](/creator/undefined) [@grok](/creator/undefined) [@ashish1nanda](/creator/undefined) [@investorofjammu](/creator/undefined) [@kommawarswapnil](/creator/undefined) [@smarket](/creator/undefined) [@abhymurarka](/creator/undefined) [@viralbshah](/creator/undefined) [@yuktijain1406](/creator/undefined) [@prashantnair](/creator/undefined) [@nsinghal211](/creator/undefined) [@soniashenoy](/creator/undefined) [@axisbank](/creator/undefined) [@neelkanthmishra](/creator/undefined) [@ronitper](/creator/undefined) [@weekendinvestng](/creator/undefined) [@sahilbhadviya](/creator/undefined) [@ashishmeher7](/creator/undefined) [@stockifiabhijit](/creator/undefined)

**Top assets mentioned**
[BlackRock Inc (BLK)](/topic/blackrock) [Flex Ltd. Ordinary Shares (FLEX)](/topic/$flex)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@Yukti_jain_1406 Noah. Since the Reward point has a cap of [---] max per month. I.e. [----] per year"  
[X Link](https://x.com/pratik0227/status/2011699749150417177)  2026-01-15T07:19Z [---] followers, [--] engagements


"@_prashantnair @grok Could you please share the pre- and post-merger calculations along with the synergies expected from the merger"  
[X Link](https://x.com/pratik0227/status/2019737264499331467)  2026-02-06T11:37Z [---] followers, [----] engagements


"@KalpenParekh ⚡ China went 4T19T in [--] years with 40% export-to-GDP. India's at 20%. We'll grow slower take longer. And your 11% USD return becomes 8% after 12.5% LTCG 2% inflation drag and behavior tax (most sell in drawdowns). Net real return 45%. Still worth it but not magic"  
[X Link](https://x.com/pratik0227/status/2020389903062954225)  2026-02-08T06:51Z [---] followers, [---] engagements


"Rupee depreciated 4% last year. Equity returned 12%. Even after 12.5% LTCG you're net positive in real terms. "Pack your bags" sounds dramatic but most who left for tax are now dealing with higher living costs and frozen Indian assets. Wealth compounds despite macro drama not because of it"  
[X Link](https://x.com/pratik0227/status/2020449547701604781)  2026-02-08T10:48Z [---] followers, [--] engagements


"⚡ The debate misses the point: 90% lose money in F&O not because derivatives are bad but because 50k accounts are taking 5L notional bets with zero risk management. SEBI could've fixed position sizing or margin abuse. Instead they banned. Lazy regulation always picks prohibition over education. https://twitter.com/i/web/status/2020530250195866042 https://twitter.com/i/web/status/2020530250195866042"  
[X Link](https://x.com/pratik0227/status/2020530250195866042)  2026-02-08T16:08Z [---] followers, [----] engagements


"@nsinghal211 ⚡70k sounds like a jump until you do the math: 25k EMI gone 10k tax increase 5k fuel. Net gain over old salary 57k. He traded "low salary stress" for "high EMI stress." Most people upgrade lifestyle faster than income. The trap has better interiors now that's all"  
[X Link](https://x.com/pratik0227/status/2020740332418478581)  2026-02-09T06:03Z [---] followers, [----] engagements


"⚡The comparison hides survivor bias. How many small-cap funds from that start date merged or shut down after underperforming You're seeing the ones that survived. Post-tax Fund [--] gives 20.6% (23.6% - 12.5% LTCG) index gives 16.2%. Gap shrinks and index had zero stress of "am I in the right fund""  
[X Link](https://x.com/pratik0227/status/2020814993353322947)  2026-02-09T11:00Z [---] followers, [--] engagements


"⚡Whether astrology works or not here's the tax reality: [-----] Cr asset sitting empty for a year = [--] depreciation benefit [---] Cr+ notional rental loss and still paying property tax. Vastu rituals cost 50L max. From a balance sheet view the delay was expensive regardless of beliefs. Conviction has a price tag. https://twitter.com/i/web/status/2021220422637756639 https://twitter.com/i/web/status/2021220422637756639"  
[X Link](https://x.com/pratik0227/status/2021220422637756639)  2026-02-10T13:51Z [---] followers, 16.9K engagements


"⚡Insurance framing is smart10% in gold saved portfolios in [----]. Crypto allocation makes sense too but here's the tax trap: BTC doubles from [---] to [---]. You pay 30% tax on [---] gain = [--] tax. Net gain: [--] (70% return). Gold doubles 12.5% tax = [----] tax. Net: [----] (87.5% return). Same move wildly different outcome. https://twitter.com/i/web/status/2021441894740615501 https://twitter.com/i/web/status/2021441894740615501"  
[X Link](https://x.com/pratik0227/status/2021441894740615501)  2026-02-11T04:31Z [---] followers, [----] engagements


"⚡ Retail is bullish on what already ran (gold up 40% silver up 50%) and bearish on what corrected (BTC down 20% AI stocks flat). Classic buy-high-sell-low behavior. The real question: are commodities expensive or AI cheap Most investors confuse recent performance with forward value. Price action investment thesis. https://twitter.com/i/web/status/2021637031034810831 https://twitter.com/i/web/status/2021637031034810831"  
[X Link](https://x.com/pratik0227/status/2021637031034810831)  2026-02-11T17:26Z [---] followers, [----] engagements


"⚡Good on paper tough in practice. Proving "mis-selling" means showing the RM knew your risk profile and still sold ULIP. Banks will now get you to sign 5-page suitability forms and that signature becomes their defense. The 30-day window is tightmost realize mis-selling in year [--] when returns disappoint. Enforcement will decide if this works. https://twitter.com/i/web/status/2021793524149305658 https://twitter.com/i/web/status/2021793524149305658"  
[X Link](https://x.com/pratik0227/status/2021793524149305658)  2026-02-12T03:48Z [---] followers, [--] engagements


"⚡ The bigger lesson: regulatory unpredictability kills valuations faster than earnings. Alibaba trades at [--] P/E not because business is bad but because Xi can gut it overnight. No multiple expansion when the government is your biggest risk. India had this with coal telecom retro-tax era. Investors pay a premium for predictability not just growth. https://twitter.com/i/web/status/2021795551235477966 https://twitter.com/i/web/status/2021795551235477966"  
[X Link](https://x.com/pratik0227/status/2021795551235477966)  2026-02-12T03:56Z [---] followers, [---] engagements


"⚡Sit this one out mentally study it actively. Silver's run taught you what triggers EM rallies moveuse that for next time. Chasing without conviction = exit at first -5%. Missing a rally hurts ego but buying tops and selling bottoms hurts my wallet. One recovers faster than the other. https://twitter.com/i/web/status/2021796085875060817 https://twitter.com/i/web/status/2021796085875060817"  
[X Link](https://x.com/pratik0227/status/2021796085875060817)  2026-02-12T03:58Z [---] followers, [---] engagements


"@Ashish1Nanda ⚡Exchange margins protect the system not your P&L. Gold at 28% still pencilsliquidity + global correlation justify it. Silver at 70% is punitive. You're now paying for everyone else's leverage blowups. Smart money adds 510% personal buffer regardless. Regulations lag reality"  
[X Link](https://x.com/pratik0227/status/2022178499084398940)  2026-02-13T05:18Z [---] followers, [---] engagements


"⚡Opposition energy governance track record. [--] years in power Jal Board VP Delhi water still undrinkable. Now sudden middle-class savior messaging. Political positions are like stock tips: ignore the narrative audit the balance sheet. Past execution predicts future returns better than campaign promises. https://twitter.com/i/web/status/2022240962538615250 https://twitter.com/i/web/status/2022240962538615250"  
[X Link](https://x.com/pratik0227/status/2022240962538615250)  2026-02-13T09:26Z [---] followers, [--] engagements


"⚡ UAE works if you're already rich. For 20L salary guy: visa costs higher living expenses and no family support eats the tax saving. That 6% yield After maintenance and vacancy it's 4%. And 0% capital gains only helps if you never come back. Most return in [--] years confused. https://twitter.com/i/web/status/2020377451197546862 https://twitter.com/i/web/status/2020377451197546862"  
[X Link](https://x.com/pratik0227/status/2020377451197546862)  2026-02-08T06:01Z [---] followers, 69.6K engagements


"The biggest bull market is always coming in hindsight. Forecasts feel comforting. Execution is what actually compounds money. Beware certainty dressed as confidence. Bookmark this post 📌"  
[X Link](https://x.com/pratik0227/status/2018920768244228236)  2026-02-04T05:33Z [---] followers, [--] engagements


"India doesnt just need growth. It needs participation. Larry Finks message: without deep capital markets Indians wont own their growth story. FDI boosts GDP. Domestic markets create wealth. Economic growth without accessible capital markets is growth without equity. India's challenge is structural not just numerical. #India #CapitalMarkets #EconomicGrowth #FinancialInclusion Source: ET https://twitter.com/i/web/status/2019237116836999538 https://twitter.com/i/web/status/2019237116836999538"  
[X Link](https://x.com/pratik0227/status/2019237116836999538)  2026-02-05T02:30Z [---] followers, [---] engagements


"⚡Most people treat their LIC maturity like a surprise gift but its actually a strategic financial milestone. 'Have you also hit LIC maturity but don't know what to do' Stop guessing and start growing. Client Query: Tax on LIC Maturity Amount A client recently approached me with a question about taxation on their LIC policy that matured with proceeds of [---] lakh. The Case: ⚡ Policy started: [----] ⚡ Maturity amount received: [---] lakh ⚡Question: Is this amount taxable Client Query: Tax on LIC Maturity Amount A client recently approached me with a question about taxation on their LIC policy that"  
[X Link](https://x.com/pratik0227/status/2020476905397600457)  2026-02-08T12:36Z [---] followers, [---] engagements


"⚡BREAKING: Russia has officially blocked Metas apps : Facebook Instagram & WhatsApp. Sudden selloff in mkt. Gold . silver day low. Dow & Nasdaq in red. #Nifty50 #GOLD"  
[X Link](https://x.com/pratik0227/status/2022021415399235942)  2026-02-12T18:54Z [---] followers, [---] engagements


"⚡Valentines Day brought a sweet surprise for investors around the world today. Seems like the market believes red is the true color of love. ❤"  
[X Link](https://x.com/pratik0227/status/2022377833608417528)  2026-02-13T18:30Z [---] followers, [--] engagements


"Markets falling = Bad results ❌ Nahi bhai. Results are fine. Growth is there. Real problem = UNCERTAINTY 🎯 Investors hate uncertainty more than bad news. What's causing panic: Big Tech (Amazon Meta) pumping into AI capex "Will it pay off" AI disrupting software jobs "Kaun survive karega" Job market shaky Spending down Everything connected 🔗 But ground reality:✅ No economic slowdown ✅ Companies guiding for growth ✅ AI = Long-term enabler (like internet was) History lesson:Every tech shift creates panic first wealth later. Your move:Hold quality businesses with MOAT (pricing power brand"  
[X Link](https://x.com/pratik0227/status/2022952077178073088)  2026-02-15T08:32Z [---] followers, [--] engagements


"Client Query: Tax on LIC Maturity Amount A client recently approached me with a question about taxation on their LIC policy that matured with proceeds of [---] lakh. The Case: ⚡ Policy started: [----] ⚡ Maturity amount received: [---] lakh ⚡Question: Is this amount taxable My Advice: For LIC policies issued between 2003-2012 the maturity amount is fully tax-exempt under Section 10(10D) if the annual premium paid was less than 20% of the Sum Assured. Since this policy started in [----] and considering the maturity amount the annual premium was likely well within this limitmaking the entire [---] lakh"  
[X Link](https://x.com/pratik0227/status/2019953433172930658)  2026-02-07T01:56Z [---] followers, [---] engagements


"⚡CPC (ITR Department) isnt denying losses its failing to apply set-off while processing returns There appears to be a system-level issue in CPC ITR processing. Even where losses are correctly reported set-off is not being applied during processing leading to incorrect tax demands. The tricky part: Losses reflect correctly in the intimation but the computation ignores them. This points to a processing glitch not a filing error.This isnt isolated. Multiple taxpayers have reported similar cases but no blanket correction from the department yet. What you can do: ⚡ File rectification request u/s"  
[X Link](https://x.com/pratik0227/status/2019955504903254221)  2026-02-07T02:04Z [---] followers, [---] engagements


"⚡Valentines Day brought a sweet surprise for investors around the world today. Seems like the market believes red is the true color of love. ❤"  
[X Link](https://x.com/pratik0227/status/2022378190484967835)  2026-02-13T18:31Z [---] followers, [---] engagements


"What a match. Well played Team India. Jai Hind. #cwc26 #T20WorldCup2026 #T20WC2026 #INDvPAK #indiavspak"  
[X Link](https://x.com/pratik0227/status/2023076470210568265)  2026-02-15T16:46Z [---] followers, [--] engagements


"⚡RBI just killed the cheap leverage party. 50% BG collateral (25% cash) + 40% equity haircut = your broker's cost of capital jumps 150-200 bps. That flows to you via higher margin requirements or reduced product suite. Prop desks getting starved = less liquidity in tier-2 stocks. Execution beats slogansbut only if your broker survives April [--]. https://twitter.com/i/web/status/2022564578387960294 https://twitter.com/i/web/status/2022564578387960294"  
[X Link](https://x.com/pratik0227/status/2022564578387960294)  2026-02-14T06:52Z [---] followers, [----] engagements


"⚡1.2Cr delta is real but add the tax multiplier: Active fund churn = 20% STCG on frequent exits. Index = 12.5% LTCG once at end. That tax drag alone adds 50-70L to the wealth gap over 40Y. 2% fees might justify in mid/small if manager beats by 3%+ post-tax. In large-cap Just compounding theft. https://twitter.com/i/web/status/2022588943846510803 https://twitter.com/i/web/status/2022588943846510803"  
[X Link](https://x.com/pratik0227/status/2022588943846510803)  2026-02-14T08:29Z [---] followers, [----] engagements


"⚡Jio Blackrock selling you [--] funds that hold the same 60-70 stocks. Nifty [--] + Next [--] + large-cap-heavy flexi = 85% overlap with Nifty [---]. You're paying [--] expense ratios (2%+ combined) for what a single 10K Nifty [---] index gives at 0.2%. This isn't diversification. It's fee stacking dressed as advice. https://twitter.com/i/web/status/2022598636530487737 https://twitter.com/i/web/status/2022598636530487737"  
[X Link](https://x.com/pratik0227/status/2022598636530487737)  2026-02-14T09:07Z [---] followers, [----] engagements


"⚡The math is compelling and it's real for those who can execute it. Key is earning that 3x in Dubaidoable if you're selling globally running a scalable business or in high-value services. Tax optimization absolutely matters at scale. Just make sure the income part comes first then the 0% tax becomes magic. Solid strategy if planned right"  
[X Link](https://x.com/pratik0227/status/2022721191094685902)  2026-02-14T17:14Z [---] followers, [----] engagements


"Markets falling = Bad results ❌ Nahi bhai. Results are fine. Growth is there. Real problem = UNCERTAINTY 🎯 Investors hate uncertainty more than bad news. What's causing panic: Big Tech (Amazon Meta) pumping into AI capex "Will it pay off" AI disrupting software jobs "Kaun survive karega" Job market shaky Spending down Everything connected 🔗 But ground reality: ⚡ No economic slowdown ⚡ Companies guiding for growth ⚡AI = Long-term enabler (like internet was) History lesson: Every tech shift creates panic first wealth later. Your move: Hold quality businesses with MOAT (pricing power brand"  
[X Link](https://x.com/pratik0227/status/2022952888289628198)  2026-02-15T08:35Z [---] followers, [---] engagements


"BAAP stocks giving sleepless nights 😰 Asian Paints down 30% from peak HUL struggling at 5-yr lows ITC Infosys TCS all testing patience The "safe" bluechips aren't so safe anymore. Here's the reality check 👇 These were once "buy & forget" names. But markets change. Consumer behavior shifts. Competition intensifies.The lesson Diversification isn't just across stocks it's across themes sectors & time periods.Even if you love a company ask yourself: ⚡ Is the growth story intact ⚡ Are valuations reasonable TODAY ⚡ Does it fit my 5-10 yr goalBlind loyalty = emotional investing. Smart portfolios ="  
[X Link](https://x.com/pratik0227/status/2023320136187556187)  2026-02-16T08:54Z [---] followers, [---] engagements


"⚡Gold/silver outperformance = 18-month spike not 10-year truth. Nifty: 13% CAGR (10yr) Gold: 10%. 'Peace of mind' ignores compoundingequity reinvests gold sits. Tax same (12.5% LTCG). Quitting equity after downturn = selling low post-tuition. Volatility isn't failure; quitting during learning curve is. Stick with structural compounders https://twitter.com/i/web/status/2023322301111132618 https://twitter.com/i/web/status/2023322301111132618"  
[X Link](https://x.com/pratik0227/status/2023322301111132618)  2026-02-16T09:03Z [---] followers, [---] engagements


"⚡Transmission equipment = one-time capex margin. Gensets = emergency backup low utilization. Solar EPC = bid-based razor margins. Thermal/renewable IPPs with long-term PPAs = recurring EBITDA dividend yield post-depreciation. Tax-paid capital wants cash flow not order book headlines. https://twitter.com/i/web/status/2023377120198856843 https://twitter.com/i/web/status/2023377120198856843"  
[X Link](https://x.com/pratik0227/status/2023377120198856843)  2026-02-16T12:41Z [---] followers, [--] engagements


"⚡The 3L salary guy with BMW problem is real. But Step [--] (30% to car+home EMI) is still too highat 90k EMI monthly one job loss and it's over. Better: 20% max on EMIs 10% emergency top-up. Also "invest 20%" works only after clearing high-interest debt. Sequence matters more than percentages. Good framework though. https://twitter.com/i/web/status/2023380672027791642 https://twitter.com/i/web/status/2023380672027791642"  
[X Link](https://x.com/pratik0227/status/2023380672027791642)  2026-02-16T12:55Z [---] followers, [--] engagements


"HDB Financial at 3-3.5x P/BV with 2.5% credit costs and 55% PCR (provision coverage) = expensive hope not value. IPO was [----] now 11XX (check current) = pain for early investors. 'Keep on radar' means what trigger Credit costs 2% + PCR 65% = actual buy signal. Till then it's expensive because of HDFC tag not fundamentals. https://twitter.com/i/web/status/2011636010233582052 https://twitter.com/i/web/status/2011636010233582052"  
[X Link](https://x.com/pratik0227/status/2011636010233582052)  2026-01-15T03:06Z [---] followers, [---] engagements


"Retiring Soon 🧐 Annuity vs. SWPWhich Wins for Monthly Income Traditional annuities offer guaranteed peace of mind but Systematic Withdrawal Plans (SWP) from mutual funds deliver flexibility superior tax efficiency and growth potential. The [--] Crore Showdown (Age 50) 🔹 LIC New Jeevan Shanti (1-yr deferment) - Monthly pension: [-----] (guaranteed) - Corpus at 70: [--] Crore (unchanged for nominees) 🔹 Mutual Fund SWP (12% returns) - Monthly withdrawal: [-----] - Corpus at 70: [----] Crore (even after [--] years of withdrawals) Why SWP is the "Tax Champion" 🏆 Unlike annuities where the entire payout is"  
[X Link](https://x.com/pratik0227/status/2011690442279305637)  2026-01-15T06:42Z [---] followers, [---] engagements


"For long-term investors whether market is open on election day or budget Sunday is irrelevant. Your portfolio compounds over [--] years not [--] day. This debate matters to traders and institutions managing intraday risk. Salaried investors Ignore the noise. Markets being closed one extra day won't change your [----] retirement corpus by even 0.1%. https://twitter.com/i/web/status/2011691952669135038 https://twitter.com/i/web/status/2011691952669135038"  
[X Link](https://x.com/pratik0227/status/2011691952669135038)  2026-01-15T06:48Z [---] followers, [----] engagements


"Buy US/China assets' sounds simple until you check: 20% TCS on 7L remittance US stocks taxed at slab rate (no LTCG benefit) currency risk both ways and estate tax complexity if you die holding foreign assets. Diversification is smart but India doomsday + gold SGB fear-mongering ignores that most salaried Indians can't efficiently move 50L+ abroad. Focus on what you control: allocation tax efficiency rupee depreciation hedge via exporters. Geopolitical hedging for retail = owning TCS/Infosys not Robinhood accounts. https://twitter.com/i/web/status/2011701671542604170"  
[X Link](https://x.com/pratik0227/status/2011701671542604170)  2026-01-15T07:27Z [---] followers, [----] engagements


"ASK's moat is real50% market share embedded design partnerships over-engineered safety buffer. But investor question: is this priced in Check PE vs peers revenue CAGR (auto component sector growing 8-10%) customer concentration (Hero/Honda = 60%+ revenue). Great business at wrong price = dead money. Moat quality entry timing. https://twitter.com/i/web/status/2011772166375866814 https://twitter.com/i/web/status/2011772166375866814"  
[X Link](https://x.com/pratik0227/status/2011772166375866814)  2026-01-15T12:07Z [---] followers, [----] engagements


"🚨 My View Budget Update Government is reportedly considering lowering STT to address current market instability 📉 ✅ No change in Capital Gains Tax rates as of now If implemented a lower STT could improve trading sentiment without impacting long-term investors. #budget2026 #capitalgain #sharemarket #Budget https://twitter.com/i/web/status/2011776378606403988 https://twitter.com/i/web/status/2011776378606403988"  
[X Link](https://x.com/pratik0227/status/2011776378606403988)  2026-01-15T12:24Z [---] followers, [---] engagements


"Fair correction. Fewer going more returning. Real question for parents: with 2cr US education cost + uncertain H1-B vs 10L IIT + 1.9cr invested (compounds to 4cr by age 30) which path builds more wealth Brain drain narrative is politics. Capital allocation is personal finance. Focus on ROI not headlines. https://twitter.com/i/web/status/2012052258230567011 https://twitter.com/i/web/status/2012052258230567011"  
[X Link](https://x.com/pratik0227/status/2012052258230567011)  2026-01-16T06:40Z [---] followers, [--] engagements


"Classic mis-selling. A bank RM pitches a ULIP as Nivesh Plus mutual fund with a promised 14% CAGR to hook a doctor aunty. Reality check: ULIPs are insurance + investment hybrids loaded with 515% front-end charges ongoing mortality costs fund management fees and lock-in / surrender penalties that crush early returns. Even if the underlying fund delivers 14% gross the net return often drops to 810%well below a plain equity mutual fund. The single premium no commission line is textbook deflection. Banks still earn fat upfront commissions (up to 40% of the first-year premium) on these products."  
[X Link](https://x.com/pratik0227/status/2012131609269739742)  2026-01-16T11:55Z [---] followers, [---] engagements


"@_soniashenoy @AxisBank @neelkanthmishra When fiscal deficits soar and "hard money" feels scarce gold becomes the ultimate insurance policy against a leaking dollar. It's less of a speculative bet and more of a global flight to a store of value that central banks can't simply print away"  
[X Link](https://x.com/pratik0227/status/2014965851112538474)  2026-01-24T07:37Z [---] followers, [---] engagements


"@Akshat_World A masterclass in switching from a "seeker" to a "builder" mindsetthe 1000-hour rule is the ultimate filter for genuine competence. In an era of credential inflation a "Proof of Work" portfolio is the only resume that actually speaks for itself"  
[X Link](https://x.com/pratik0227/status/2014966676996186323)  2026-01-24T07:41Z [---] followers, [---] engagements


"@Akshat_World Using a collar on Meta turns a volatile growth stock into steady rent-like cash flow. Real edge comes from managing positions with actual capital at risk not just analysing charts from the sidelines"  
[X Link](https://x.com/pratik0227/status/2014982813066691052)  2026-01-24T08:45Z [---] followers, [---] engagements


"@Ronitper The biggest risk in small caps isnt volatility its constantly watching them like breaking news. Long-term investments fail more from over-monitoring than from market moves"  
[X Link](https://x.com/pratik0227/status/2014983161177067594)  2026-01-24T08:46Z [---] followers, [--] engagements


"@WeekendInvestng Banking burnout isnt heroism its what happens when high pressure meets outdated systems. Today extreme effort isnt a badge of honour its just the entry fee to stay employed"  
[X Link](https://x.com/pratik0227/status/2014985867828564457)  2026-01-24T08:57Z [---] followers, [---] engagements


"@sahilbhadviya Official inflation says 1.33% but your wallet says otherwise. A 2012-era CPI basket + food-heavy weights hide the real storyurban middle-class personal inflation is closer to 1012%"  
[X Link](https://x.com/pratik0227/status/2015022458437574794)  2026-01-24T11:22Z [---] followers, [--] engagements


"@AshishMeher7 False choice. Wealth = (Income - Lifestyle) Compounding Time. A 25L earner saving 40% beats a 1Cr earner saving 5%. The real question: What's your savings rate TODAY Everything else is just noise with better furniture"  
[X Link](https://x.com/pratik0227/status/2015056972845027750)  2026-01-24T13:39Z [---] followers, [---] engagements


"@stockifiabhijit Half-true. Literacy helps but wealth is built through systemsauto-debit SIPs tax planning asset allocation. A 10L earner with automated savings beats a 1Cr earner "trying to be disciplined." Knowledge fades. Systems compound. Build rails not resolutions"  
[X Link](https://x.com/pratik0227/status/2015057364018454595)  2026-01-24T13:41Z [---] followers, [--] engagements


"@DealsDhamaka [---] Cr/month sounds hot until you realize: (1) Builder's margin your appreciation (2) RE is a 7-10 year illiquid bet (3) Your 50L down payment could be [---] Cr in index funds by then. For salaried investors liquidity location hype"  
[X Link](https://x.com/pratik0227/status/2015066978739007773)  2026-01-24T14:19Z [---] followers, [---] engagements


"@InvestorOfJAMMU FIIs sold 11L Cr yet Nifty is up 70% in [--] years. Why DIIs bought 14L Cr. This isn't retail being "fooled"it's India's capital market maturing. For salaried SIPs FII flows are noise. Your job: stay invested while others panic-tweet"  
[X Link](https://x.com/pratik0227/status/2015067906942607695)  2026-01-24T14:23Z [---] followers, [--] engagements


"@ipo_agarwal Staying invested isn't just convictionit's tax math. Exit now = short-term loss re-entry later = fresh cost basis without indexation benefit. Post-COVID entrants who hold through this get: (1) Lower avg. cost via SIPs (2) LTCG tax advantage. Time timing"  
[X Link](https://x.com/pratik0227/status/2015068271968682396)  2026-01-24T14:24Z [---] followers, [--] engagements


"@SuccessProject_ Exactly. 5.6% from ATH is a normal pullback not a crash. For salaried investors: (1) Your SIP buys 6% more units today (2) This is when tax-loss harvesting works (3) Rebalancing opportunity if debt allocation drifted. Perspective panic"  
[X Link](https://x.com/pratik0227/status/2015068549954625834)  2026-01-24T14:25Z [---] followers, [--] engagements


"@CaVivekkhatri Same trap for investors: profit screenshots make you abandon SIPs or chase stocks. Reality: (1) Posts hide losses (2) Chasing = tax drag (3) Your boring 10K SIP beats 90% of traders over [--] years. Social media flex compounding reality. Stay boring stay rich"  
[X Link](https://x.com/pratik0227/status/2015071305419395428)  2026-01-24T14:36Z [---] followers, [--] engagements


"@KommawarSwapnil For Indian investors the angle: (1) US-Canada trade war = opportunity for Indian IT/pharma to fill supply gaps (2) Global volatility sell signal for 15-year SIPs (3) Diversification across sectors matters more than reacting to tariff headlines. Watch don't panic"  
[X Link](https://x.com/pratik0227/status/2015072382592131469)  2026-01-24T14:41Z [---] followers, [----] engagements


"🚨 Trump trade warning If Canada signs a major trade deal with China the US may impose a 100% tariff on Canadian goods. Simple meaning: Products sold in the US could become 2x more expensive. Reason: Fear of China using Canada as a backdoor. #Trump #tarrif"  
[X Link](https://x.com/pratik0227/status/2015072983661027560)  2026-01-24T14:43Z [---] followers, [---] engagements


"@smarket US minerals stockpiling = potential tailwind for Indian metal exporters (Hindalco Vedanta NMDC). But for salaried investors: sector rotation bets are high-risk. If metals aren't 15% of your portfolio already this is watch-and-learn not chase-and-buy territory"  
[X Link](https://x.com/pratik0227/status/2015099369809400113)  2026-01-24T16:28Z [---] followers, [---] engagements


"@abhymurarka Solid read on cement demand as a capex proxy. For salaried portfolios: instead of single-stock bets use this theme via diversified infra/cyclical exposure. Tax-loss harvesting on smallcases + rebalancing captures the trend without concentration risk. Conviction Concentration"  
[X Link](https://x.com/pratik0227/status/2015293440775639501)  2026-01-25T05:19Z [---] followers, [---] engagements


"@daviefogarty 1.2L/year in tools a business model. For salaried folks your 8L-40L income already yields predictable post-tax cash flow. Before chasing "millionaire" promises ask: does this beat index fund SIPs at 12% CAGR with zero execution risk"  
[X Link](https://x.com/pratik0227/status/2015294919536177458)  2026-01-25T05:25Z [---] followers, [---] engagements


"@Akshat_World Inspiring journey. One question for the 8-40L bracket: what's the post-tax post-TCS (20% on remittances 7L) post-forex markup real return US investing works but for most salaried investors index funds + PPF often beat after accounting for all friction"  
[X Link](https://x.com/pratik0227/status/2015310974841205129)  2026-01-25T06:29Z [---] followers, [---] engagements


"@Ashish1Nanda Baskets are greatif they beat Nifty [--] after costs. For salaried folks the real edge isn't curation; it's discipline + low TER. Free access is good but track record convenience. Index funds still win for most"  
[X Link](https://x.com/pratik0227/status/2015329105705938997)  2026-01-25T07:41Z [---] followers, [---] engagements


"@vijaimantrimf 10L at 12% for [--] years = 96L. Chase 'multibaggers' with churn add STT + STCG and you're lucky to beat that. Birla's shloka isn't poetryit's compounding math. Patience isn't a virtue in investing; it's the strategy"  
[X Link](https://x.com/pratik0227/status/2015330679677161844)  2026-01-25T07:47Z [---] followers, [--] engagements


"@KiranKS Executive overreach = policy uncertainty = market volatility. For Indian portfolios: hedge with gold maintain 6-month emergency corpus avoid leveraged bets. Presidential power flexing doesn't build wealthdisciplined asset allocation through chaos does"  
[X Link](https://x.com/pratik0227/status/2015366150146887717)  2026-01-25T10:08Z [---] followers, [---] engagements


"@GabbbarSingh At elite levels opportunities arent recurringtheyre perishable. On flat tracks output matters more than potential. Selection like capital allocation rewards consistency over promise. Optionality shrinks fast"  
[X Link](https://x.com/pratik0227/status/2015460458304782831)  2026-01-25T16:23Z [---] followers, [---] engagements


"@abhymurarka Action-over-opinion. Positions you as a cash-flow-first thinkerfocus on skill arbitrage while costs are low not macro debates. Strong overlap with salaried professionals seeking asymmetric upside"  
[X Link](https://x.com/pratik0227/status/2015460804200735057)  2026-01-25T16:24Z [---] followers, [--] engagements


"@smarket Gold isn't for spendingit's for rebalancing. 20% allocation at 45k Trim to 15% deploy into equity. That's alpha. SGB holders get indexation + 2.5% yield. "Dead asset" thinking ignores tactical liquidity. Portfolio construction emotional hoarding. No reco"  
[X Link](https://x.com/pratik0227/status/2015690760436482447)  2026-01-26T07:38Z [---] followers, [--] engagements


"@AdityaD_Shah Truebut context matters. A 6.5% home loan while you compound equity at 12%+ is smart leverage. Zero debt feels safe but opportunity cost is real. The asset isn't "no debt"it's having optionality. Cash flow balance sheet optics for wealth creation"  
[X Link](https://x.com/pratik0227/status/2015692136331808870)  2026-01-26T07:43Z [---] followers, [--] engagements


"@CAamanmittal Banks lend to balance sheets not dreams. 2Cr applicant = assets diversified income collateral. 20L salaried = single income stream EMI-to-income scrutiny. Your edge Clean ITRs low existing leverage 6-month bank statements showing surplus. Documentation desperation"  
[X Link](https://x.com/pratik0227/status/2015693191874576833)  2026-01-26T07:48Z [---] followers, [----] engagements


"@Garg_Aditya_ Abhishek's real alpha Avoiding STCG churn. Every panic exit = 20% tax + re-entry risk. [--] years zero exits = 12.5% LTCG only on gains. Compounding works because taxes don't interrupt it. Discipline isn't emotionalit's math. This is how salaried wealth gets built"  
[X Link](https://x.com/pratik0227/status/2015693665436574088)  2026-01-26T07:49Z [---] followers, [---] engagements


"@upamanyuacharya Correct diagnosis. Wrong response is hoping for relief. Right response Max every deduction shift income to LTCG where possible automate equity SIPs build 80C/NPS/80D discipline. The system won't reward youyour portfolio will. Optimize what you control; ignore what you can't"  
[X Link](https://x.com/pratik0227/status/2015693918755819522)  2026-01-26T07:50Z [---] followers, [---] engagements


"@sharmaaniket03 At 7.5% 50L loan = 36k EMI. But ask: Can you beat 7.5% post-tax with equity (likely yes at 12%+) Then minimum prepayment max 80C benefit invest the delta. Home loan isn't just debtit's cheap capital if deployed right. Leverage ego of "loan-free.""  
[X Link](https://x.com/pratik0227/status/2015694871294804414)  2026-01-26T07:54Z [---] followers, [---] engagements


"@BaluGorade This is why gold SIPs or SGBs bought 3-5 years ago matter. Wedding gold isn't an expenseit's a known liability. Budget 3L Start accumulating now via digital gold/SGBs at 6k/month. Price won't wait for sentiment. Planning beats panic-buying at 1.6L/10g"  
[X Link](https://x.com/pratik0227/status/2015697483809374565)  2026-01-26T08:05Z [---] followers, [--] engagements


"@drriteshmalik Financially this = index funds over stock-picking 3-fund portfolio over [--] schemes FI over lifestyle inflation. Peace isn't just calendar spaceit's having 25x expenses invested so you can choose the porch. Simplicity compounds in portfolios and life. Optimize for both"  
[X Link](https://x.com/pratik0227/status/2015698376231460897)  2026-01-26T08:08Z [---] followers, [--] engagements


"@KalpenParekh Build 15-20% global allocation systematically via US index fundsdon't revenge-trade INR weakness"  
[X Link](https://x.com/pratik0227/status/2015799734569738362)  2026-01-26T14:51Z [---] followers, [---] engagements


"@InvestorOfJAMMU Real gold strategy: fixed 10-15% allocation rebalance when it hits 20%+ (sell into strength). Furus shift 030% chasing momentum then panic-exit on correction. That's speculation not allocation. Discipline = trim at highs add at lows. Ignore the noise"  
[X Link](https://x.com/pratik0227/status/2015800572327387500)  2026-01-26T14:54Z [---] followers, [---] engagements


"@KommawarSwapnil Volatility isn't a lossit's tuition for impatient capital. Gold/silver aren't trades for salaried folks they're hedges. If your SIP is intact and rebalancing is on schedule this is just noise. Systematic emotional"  
[X Link](https://x.com/pratik0227/status/2015981851660390417)  2026-01-27T02:55Z [---] followers, [----] engagements


"Spot on about Rocket Internet but one key difference: Kamath has Indian market credibility + patient capital mindset. Rocket was European MBAs copying US models with blitzscale pressure. The Foundery seems more focused on sustainable businesses vs hypergrowth exits. That said 75% equity for 4Cr is brutal. Real founders won't accept that. You'll get exactly what Rocket got - smart operators not obsessed builders. Skin in the game isn't just equity % it's desperation. Can't manufacture that. https://twitter.com/i/web/status/2003477255339884743 https://twitter.com/i/web/status/2003477255339884743"  
[X Link](https://x.com/pratik0227/status/2003477255339884743)  2025-12-23T14:46Z [---] followers, [----] engagements


"Decently valued' means what LG India at [----] trades at 45x P/E vs Samsung/Whirlpool at 30-35x. Consumer durables facing demand slowdown (high inventory weak urban consumption). Stock fell 20% because earnings growth isn't matching premium valuation. 'Patient long-term holders' = betting margin recovery happens before valuation re-rates lower. Check earnings not just price chart https://twitter.com/i/web/status/2011636999606976987 https://twitter.com/i/web/status/2011636999606976987"  
[X Link](https://x.com/pratik0227/status/2011636999606976987)  2026-01-15T03:10Z [---] followers, [---] engagements


"@mainbhiengineer Salaried people take all the hit inflation taxes market risk but when gains come theyre forced to share them. Risk is private rewards are split thats the real imbalance no one talks about"  
[X Link](https://x.com/pratik0227/status/2014983837571596387)  2026-01-24T08:49Z [---] followers, [---] engagements


"@KalpenParekh Equity flat + economic uncertainty = safe haven rush. Par jab sab sunar ban jaate hain wahi moment hota hai asset allocation test ka"  
[X Link](https://x.com/pratik0227/status/2015022066890870871)  2026-01-24T11:21Z [---] followers, [---] engagements


"@ActusDei Early money already made its move late buyers risk becoming exit liquidity at the top of the cycle"  
[X Link](https://x.com/pratik0227/status/2016121442740719872)  2026-01-27T12:09Z [---] followers, [--] engagements


"Budget day hype The market rarely takes its cues from fiscal announcements. Post-budget swings are normal don't let short-term noise guide your moves. The real story is weak sentiment FII exits & geopolitics. Once the dust settles fundamentals & global trends take over again"  
[X Link](https://x.com/pratik0227/status/2017827940558594376)  2026-02-01T05:10Z [---] followers, [--] engagements


"Budget [----] highlights will be shared in this thread 👇 #Budget2026 #BudgetSession2026"  
[X Link](https://x.com/pratik0227/status/2017835186927636517)  2026-02-01T05:39Z [---] followers, [---] engagements


"In Budget [----] FM Sitharaman proposed a BioPharma Strategy to advance health outcomes through knowledge technology and innovation strengthening Indias digital healthcare ecosystem"  
[X Link](https://x.com/pratik0227/status/2017836751021293822)  2026-02-01T05:45Z [---] followers, [--] engagements


"Public capital expenditure has risen sharply from [--] lakh crore in [------] to [----] lakh crore in BE [------]. For FY27 FM Nirmala Sitharaman announced a further increase to [----] lakh crore to maintain infrastructure momentum. #Budget2026"  
[X Link](https://x.com/pratik0227/status/2017839666121388393)  2026-02-01T05:57Z [---] followers, [---] engagements


"Proposed restructuring Power Finance Corporation (PFC) and Rural Electrification Corporation (REC). She also announced the formation of a high-level committee on banking for Viksit Bharat to review and align the banking sector with Indias next growth phase. #budge"  
[X Link](https://x.com/pratik0227/status/2017841040276000886)  2026-02-01T06:02Z [---] followers, [---] engagements


"BEFORE: Individual PROI could invest up to 5% in a listed Indian company through PIS AFTER: Individual PROI can now invest up to 10% in a listed Indian company through PIS #Budget2026 #BudgetSession2026 #Budget"  
[X Link](https://x.com/pratik0227/status/2017841974175580657)  2026-02-01T06:06Z [---] followers, [---] engagements


"@nehanagarr Markets wanted freebies but the budget chose discipline. The 12L exemption quietly helps the middle class and while higher capital gains taxes hurt a 6.4% deficit target is the real long-term win boring but solid"  
[X Link](https://x.com/pratik0227/status/2018219249400168949)  2026-02-02T07:05Z [---] followers, [---] engagements


"@Nithin0dha 100%. Seen clients exit futures entirely now piling into weekly options insteadexactly opposite of what SEBI wants. Suitability criteria (net worth income proof) would cut the casino crowd. But that's politically messier than just hiking STT every budget. Band-aid policy"  
[X Link](https://x.com/pratik0227/status/2018221247109410900)  2026-02-02T07:13Z [---] followers, [--] engagements


"President Trump just spoke with Prime Minister Modi. STAY TUNED"  
[X Link](https://x.com/pratik0227/status/2018358511881925040)  2026-02-02T16:19Z [---] followers, [---] engagements


"@aditya_kondawar 13K Cr box office multiplex profitability. Content boosts footfalls not margins. PVR Inox still has 4K Cr debt and F&B dependence. Track Q4 debt servicing before expecting earnings to justify the rally"  
[X Link](https://x.com/pratik0227/status/2018894233772667028)  2026-02-04T03:47Z [---] followers, [---] engagements


"@shyamsek Bottoms are visible only in hindsight. Relief-rally buying is behaviour dressed as analysis. Smallcap liquidity disappears faster than sentiment returns. If valuation needs a thread to feel cheap it isnt"  
[X Link](https://x.com/pratik0227/status/2018908296443478234)  2026-02-04T04:43Z [---] followers, [---] engagements


"Hedge logic sounds clean on paper. Execution is where it breaks. Which AI stock When do you enter At what valuation Most retail investors buy after the hype and sell after layoff panic. You cant dollar-cost-average a job loss. The better hedge isnt a theme. Its diversified skills and liquid assets. https://twitter.com/i/web/status/2018929522524012820 https://twitter.com/i/web/status/2018929522524012820"  
[X Link](https://x.com/pratik0227/status/2018929522524012820)  2026-02-04T06:08Z [---] followers, [---] engagements


"@investing_t20 Dividend tax: 0% slab rates. Growth + LTCG exit (12.5%) Dividend income (30%). Same for stocks: sell for gains dont chase dividends. High bracket investors pay [---] tax for comfort income. Adapt structure. Execute. Dont rant"  
[X Link](https://x.com/pratik0227/status/2019231876783972814)  2026-02-05T02:09Z [---] followers, [--] engagements


"Silver at 70% futures margin = exchange saying volatility too extreme for leverage. At that point buy Silver ETF or SGB insteadno rollover no margin calls same exposure. Futures work at 20-30% margin for trading. 70% = you're doing levered investing badly. Reconsider instrument if margin is this high. Structure matters. https://twitter.com/i/web/status/2019237678324269455 https://twitter.com/i/web/status/2019237678324269455"  
[X Link](https://x.com/pratik0227/status/2019237678324269455)  2026-02-05T02:32Z [---] followers, [---] engagements


"Marks is right but retail needs framework overpaying is (1) PE 30% above 5yr avg (2) PEG [--] (3) stock holds premium while sector compresses. Add tax: overpay + forced exit 1yr = 20% STCG eats recovery. Valuation discipline isn't just patienceit's building margin of safety AND avoiding tax drag on mistakes. https://twitter.com/i/web/status/2019238202842968453 https://twitter.com/i/web/status/2019238202842968453"  
[X Link](https://x.com/pratik0227/status/2019238202842968453)  2026-02-05T02:34Z [---] followers, [--] engagements


"Almost made a [----] mistake today. Called to cancel my credit card. Customer care casually mentioned: "Your [-----] reward points will lapse upon cancellation." Paused. Asked how to redeem. [--] mins later: ✅ 2x Amazon Pay vouchers (2000 each) ✅ 1x Uber voucher (500) Total value recovered: [----] Annual fee paid: [---] Net gain saved from vanishing. Before cancelling ANY credit card: [--]. Check pending reward points/miles [--]. Ask redemption options explicitly [--]. Redeem BEFORE closure request [--]. Confirm zero dues + no pending charges Banks won't remind you. You'll just lose it. #CreditCard #MoneyTips"  
[X Link](https://x.com/pratik0227/status/2002681268102967566)  2025-12-21T10:03Z [---] followers, 43.6K engagements


"Insane Luck of option buying [--] lakh invested in the [-----] CE yesterday could have grown to around [--] crore in a single day. High rewards come with high responsibilityincluding taxes. #OptionsTrading #Nifty #niftyOptions"  
[X Link](https://x.com/pratik0227/status/2018648853113926026)  2026-02-03T11:32Z [---] followers, [---] engagements

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