# ![@ravihanda Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::33294661.png) @ravihanda Ravi Handa

Ravi Handa posts on X about india, money, jaipur, singapore the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::33294661/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::33294661/c:line/m:interactions.svg)

- [--] Week [-------] -29%
- [--] Month [---------] +218%
- [--] Months [----------] -9.30%
- [--] Year [----------] -60%

### Mentions: [--] [#](/creator/twitter::33294661/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::33294661/c:line/m:posts_active.svg)

- [--] Week [--] -21%
- [--] Month [---] +217%
- [--] Months [---] +62%
- [--] Year [---] -42%

### Followers: [------] [#](/creator/twitter::33294661/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::33294661/c:line/m:followers.svg)

- [--] Week [------] +0.17%
- [--] Month [------] +1.60%
- [--] Months [------] +5.30%
- [--] Year [------] +16%

### CreatorRank: [-------] [#](/creator/twitter::33294661/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::33294661/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  31.72% [countries](/list/countries)  16.55% [travel destinations](/list/travel-destinations)  9.66% [technology brands](/list/technology-brands)  7.59% [social networks](/list/social-networks)  4.14% [stocks](/list/stocks)  2.07% [automotive brands](/list/automotive-brands)  1.38% [currencies](/list/currencies)  0.69% [exchanges](/list/exchanges)  0.69% [cryptocurrencies](/list/cryptocurrencies)  0.69%

**Social topic influence**
[india](/topic/india) 11.03%, [money](/topic/money) 10.34%, [jaipur](/topic/jaipur) 8.97%, [singapore](/topic/singapore) 4.83%, [fund manager](/topic/fund-manager) 3.45%, [ai](/topic/ai) 2.76%, [inflation](/topic/inflation) 2.07%, [twitter](/topic/twitter) 2.07%, [whatsapp](/topic/whatsapp) 2.07%, [capital gains](/topic/capital-gains) 2.07%

**Top accounts mentioned or mentioned by**
[@amitgoel78](/creator/undefined) [@vittadhara](/creator/undefined) [@johncena990jc](/creator/undefined) [@cypherkapil](/creator/undefined) [@pilotinvestor7](/creator/undefined) [@khushindermohan](/creator/undefined) [@jeetttrivedi12](/creator/undefined) [@jassneetsingha](/creator/undefined) [@marcellusinvest](/creator/undefined) [@ishabhatiasanan](/creator/undefined) [@bhagatsprithvi](/creator/undefined) [@calebfriesen2](/creator/undefined) [@samanths](/creator/undefined) [@yashdhanuka14](/creator/undefined) [@cjp_4_india](/creator/undefined) [@memesinhindi](/creator/undefined) [@chugleekhor](/creator/undefined) [@grow_with_mks](/creator/undefined) [@manujosephsan](/creator/undefined) [@growwithmks](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Charles Schwab Corporation (SCHW)](/topic/charles-schwab) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Uber Technologies, Inc. (UBER)](/topic/$uber)
### Top Social Posts
Top posts by engagements in the last [--] hours

"The best thing that you can do for yourself and for your future generations is leave India. Ideal time to do it is when you are young and unmarried. It gets harder with age"  
[X Link](https://x.com/ravihanda/status/1659798801815867393)  2023-05-20T05:50Z 54.9K followers, 413.4K engagements


"What is happening with Unacademy ESOPs and why employees are being asked to exercise. Unacademy is in discussions for a possible merger or acquisition at a valuation that is lower than the total money the company has raised from investors over the years. Because of this investor protections called liquidation preference become very important. Liquidation preference means that investors get paid first in any exit. If the exit value is lower than what investors are owed there may be little or nothing left for common shareholders. ESOPs fall at the very bottom of this order. In such situations"  
[X Link](https://x.com/ravihanda/status/2002416143542464637)  2025-12-20T16:29Z 54.9K followers, 58.7K engagements


"It is surprising and unfortunate that Indian Rupee is still not acceptable to a lot of money changers in Philippines. They accept Malaysian Ringgit and Thai Bat"  
[X Link](https://x.com/ravihanda/status/2009111406503989411)  2026-01-08T03:54Z 54.8K followers, [----] engagements


"SGBs were and remain the best way to invest in Gold because of low cost and 2.5% yield when trading at a price equal to Gold or a very small premium. If they are trading at a discount they definitely become better. They dont get the tax exemption like before true. But now they are equivalent to ETFs / Gold funds. Not worse. Will they become less liquid and always trade at significant discount - I doubt that. The counterparty risk of govt changing tax rules exists on all financial instruments and not just SGBs. For sure selling your SGBs today and moving it to ETF / fund / physical today makes"  
[X Link](https://x.com/ravihanda/status/2018218850769350702)  2026-02-02T07:04Z 54.8K followers, 36.6K engagements


"Get out of India. Opportunity lives behind walls"  
[X Link](https://x.com/ravihanda/status/2018232640869142945)  2026-02-02T07:58Z 54.8K followers, 183.3K engagements


"I have thought about leaving India many times. But I have grown so used to life here in Jaipur that living anywhere else now feels difficult. I own the flat I live in in a decent society. My parents live in the same building. Replicating something like this elsewhere would be hard. My child has a good school right next door. There are people in the city I know well the kind who will step in to help if something ever goes wrong. Everything feels settled. For the first time in my life it feels like I have put down roots. The advantages of moving to the developed world better law and order"  
[X Link](https://x.com/ravihanda/status/2018245226247365074)  2026-02-02T08:48Z 54.8K followers, 206.8K engagements


"Just curious - what benefit do the GIFT city funds have over a mutual fund like ICICI Nasdaq [---] It is taking money as of now"  
[X Link](https://x.com/ravihanda/status/2019298061340799406)  2026-02-05T06:32Z 54.9K followers, 51.7K engagements


"Because it underperformed the index by a significant margin. 1) Mutual fund distributor ate around 1% of returns because [----] is for regular and [----] for direct. 2) Mutual Fund manager ate another 1.2%. That is the expense ratio. 3) The stocks that the fund manager selected performed worse than the index. As you can see from the top holdings of the fund it isn't invested in tech / AI stocks - which have been the main driver of the index over last [--] years. That caused the rest of the gap. https://twitter.com/i/web/status/2019305330279342434 https://twitter.com/i/web/status/2019305330279342434"  
[X Link](https://x.com/ravihanda/status/2019305330279342434)  2026-02-05T07:01Z 54.8K followers, [----] engagements


"Why the poor dont kill us by @manujosephsan is a provocative collection of essays. I wish more tech bros read it. In it he argues that in Indias context the poor do not feel excluded from the nation the way the poor in rich countries might. The visible chaos disorder and ugliness of everyday life make even the poorest feel that they belong to the same collective reality rather than seeing themselves as sharply excluded. Politicians actively need poor voters. That alone changes psychology. The poor are not an ignored underclass; they are a decisive bloc. They are visited addressed promised"  
[X Link](https://x.com/ravihanda/status/2019402048962441613)  2026-02-05T13:25Z 54.8K followers, 42.4K engagements


"Hi Kirttan If you feel the need to criticize Neil and PPFAS for unethical behavior at least name them. Otherwise such sly criticism loses meaning. Also your criticism should be of the argument and not who is arguing. Is MFD model a legal way of making money - yes. Is it optimal solution for the customer - no. Neil has called out the same for years. Whether you make money from via the MFD route or Neil does does not make it better or worse. It definitely does not deserve a personal attack on him. Influencer - I dont sell anything and hence i am unbiased Professional - But dont you sell"  
[X Link](https://x.com/ravihanda/status/2019424499909947623)  2026-02-05T14:54Z 54.8K followers, 31.8K engagements


"What I found valuable in this article is the attention to everyday compliance realities. Procedural clarity reduces operational drag for businesses and at scale that translates into higher productivity fewer disruptions and better customer outcomes across platforms. A genuinely informative read. https://www.financialexpress.com/business/news/budget-2026-confidence-through-continuity/4128090/ https://www.financialexpress.com/business/news/budget-2026-confidence-through-continuity/4128090/ https://www.financialexpress.com/business/news/budget-2026-confidence-through-continuity/4128090/"  
[X Link](https://x.com/ravihanda/status/2019761444066349518)  2026-02-06T13:13Z 54.8K followers, 47.5K engagements


"How to Think About Bitcoin and Inflation Most debates around Bitcoin miss a basic time-horizon mistake"  
[X Link](https://x.com/ravihanda/status/2020014260424962203)  2026-02-07T05:58Z 54.8K followers, [----] engagements


"2018 - Forbes [--] under [--] [----] - Gets arrested I didnt know the Forbes to Fraud pipeline works in India as well"  
[X Link](https://x.com/ravihanda/status/2020024134391214471)  2026-02-07T06:37Z 54.8K followers, 56.1K engagements


"What he did Sold a 3000-sq-ft first-floor unit at the 32nd Milestone complex at Sector [--] Gurgaon. (Nothing wrong with it.) Didnt get it registered officially. (Happens. Grey. Red flag.) Sold it to 25+ people promising assured rental returns. 😂😂"  
[X Link](https://x.com/ravihanda/status/2020028891180765460)  2026-02-07T06:56Z 54.9K followers, 17.2K engagements


"Misselling is a huge problem in India. People do it because of fear of losing job or greed to get bonuses. Relationships Managers are the biggest culprit. People trust them because of the bank badge. Surprisingly MFDs get far more abuse on Twitter. PLEASE HELP ME SPREAD THIS This happened to my wifes [--] year old grandfather in Nagpur. He has been banking with the same Canara Bank branch for decades and trusted the branch manager completely. That trust was misused. At the age of [--] the manager sold him a life insurance https://t.co/bKUmk1BX11 PLEASE HELP ME SPREAD THIS This happened to my"  
[X Link](https://x.com/ravihanda/status/2020341221470933220)  2026-02-08T03:37Z 54.9K followers, 12.5K engagements


"@amitgoel78 Chat from my college group. 😁"  
[X Link](https://x.com/ravihanda/status/2020456699778248963)  2026-02-08T11:16Z 54.8K followers, [----] engagements


"Any feedback on Hyundai Exter"  
[X Link](https://x.com/ravihanda/status/2020512562450743608)  2026-02-08T14:58Z 54.9K followers, [----] engagements


"@Vittadhara Definitely not buying a Tata car. Specially in Jaipur. Their dealer here is horrible. Have heard multiple bad stories"  
[X Link](https://x.com/ravihanda/status/2020516169501782097)  2026-02-08T15:12Z 54.8K followers, [---] engagements


"@Johncena990jc Chauffeur"  
[X Link](https://x.com/ravihanda/status/2020517301372489825)  2026-02-08T15:17Z 54.8K followers, [---] engagements


"There are few things I enjoy more than giving gyaan on Whatsapp. Have turned into a complete uncle :)"  
[X Link](https://x.com/ravihanda/status/2020748233920934044)  2026-02-09T06:34Z 54.9K followers, [----] engagements


"@grow_with_mks Is there another option"  
[X Link](https://x.com/ravihanda/status/2020763715541623271)  2026-02-09T07:36Z 54.8K followers, [---] engagements


"Running a business in India feels like a crime. What even the rich and famous refuse to pay - what do you do"  
[X Link](https://x.com/ravihanda/status/2020810567422730666)  2026-02-09T10:42Z 54.9K followers, 108.3K engagements


"@CypherKapil It is a club where people organize events. You cannot know the entire amount in advance"  
[X Link](https://x.com/ravihanda/status/2020841477035979131)  2026-02-09T12:45Z 54.8K followers, [----] engagements


"Yes. Because a platform will actually turn it into real data and not theory. We could show direct comparisons with how your money has done over the last decade or two vs index. We can show you the amount of money you have paid in fees to the fund manager and to the distributor. Actual absolute numbers will strengthen the case. And in case they are actually beating the benchmark explain why. Was it luck. Was it talent. It can ask them and store rationale when they make a sale or a purchase. https://twitter.com/i/web/status/2020909309039869962 https://twitter.com/i/web/status/2020909309039869962"  
[X Link](https://x.com/ravihanda/status/2020909309039869962)  2026-02-09T17:15Z 54.8K followers, [--] engagements


"AI is coming for you Prashant. 😁 (Or anyone who tells people what to do with their money) Wealth cos sell off Charles Schwab - 8% Why Headline - "Altruist Launches AI-Powered Tax Planning Feature in Hazel Platform" Points to a significant degree anxiety/nerves across financials & the top question is - 'what are they going to come for next' #Nifty #BankNifty Wealth cos sell off Charles Schwab - 8% Why Headline - "Altruist Launches AI-Powered Tax Planning Feature in Hazel Platform" Points to a significant degree anxiety/nerves across financials & the top question is - 'what are they going to"  
[X Link](https://x.com/ravihanda/status/2021412434800673264)  2026-02-11T02:34Z 54.9K followers, 23.2K engagements


"@kushika_twt Marry rich"  
[X Link](https://x.com/ravihanda/status/2021877309079425478)  2026-02-12T09:21Z 54.9K followers, [----] engagements


"@Shreyansh3951 There is enough time to prepare. No need to panic. Just don't be in the bottom 10%"  
[X Link](https://x.com/ravihanda/status/2021880848627486766)  2026-02-12T09:35Z 54.9K followers, [----] engagements


"Explicit consent is no longer a checkbox. Consent must be: Specific Informed Separate for each product Properly recorded"  
[X Link](https://x.com/ravihanda/status/2022173885182165009)  2026-02-13T04:59Z 54.9K followers, [---] engagements


"Dark patterns are officially banned. False urgency. Hidden fees. Subscription traps. Drip pricing. Interface manipulation. Banking apps will now be audited for UX behaviour which is a massive shift"  
[X Link](https://x.com/ravihanda/status/2022173888692859128)  2026-02-13T04:59Z 54.9K followers, [---] engagements


"Items ordered = [--] Taxes applicable = 5"  
[X Link](https://x.com/ravihanda/status/2022611464549487042)  2026-02-14T09:58Z 54.9K followers, 40.4K engagements


"How many times can a man turn his head and pretend that he just doesn't see"  
[X Link](https://x.com/ravihanda/status/2022696653560648146)  2026-02-14T15:37Z 54.9K followers, 22.7K engagements


"@pilotinvestor7 Pretty shitty summary. Talks more about what you think and less about what Dalio is saying. Also why are you promoting zecash"  
[X Link](https://x.com/ravihanda/status/2023241564210839901)  2026-02-16T03:42Z 54.9K followers, [---] engagements


"Daldal and Kohra - both are pretty good series that dropped recently. Do find time to watch them. Daldal needed better actresses but still a pretty solid story and well made"  
[X Link](https://x.com/ravihanda/status/2021945388090233108)  2026-02-12T13:52Z 54.9K followers, [----] engagements


"Mutual Funds having more than 15% allocation to Techonology industry"  
[X Link](https://x.com/ravihanda/status/2022302577975849043)  2026-02-13T13:31Z 54.9K followers, [----] engagements


"Google has started giving out loans now"  
[X Link](https://x.com/ravihanda/status/2022528332185928034)  2026-02-14T04:28Z 54.9K followers, [----] engagements


"@amitgoel78 No clue. Not an online order. Went to a restaurant"  
[X Link](https://x.com/ravihanda/status/2022612516984271010)  2026-02-14T10:02Z 54.9K followers, [----] engagements


"@amitgoel78 Ek to waise hi mehngi jageh. Upar se itne charges aur le liye. Kya hi point hai"  
[X Link](https://x.com/ravihanda/status/2022613744283717922)  2026-02-14T10:07Z 54.9K followers, [----] engagements


"@amitgoel78 Holiday Inn Jaipur"  
[X Link](https://x.com/ravihanda/status/2022614600408027282)  2026-02-14T10:11Z 54.9K followers, [----] engagements


"This is the closest thing to free money I have ever experienced"  
[X Link](https://x.com/ravihanda/status/2022538525993021693)  2026-02-14T05:08Z 54.9K followers, [----] engagements


"Summary - Sell debt buy Gold. https://t.co/tjmbT5ytUN https://t.co/tjmbT5ytUN"  
[X Link](https://x.com/ravihanda/status/2023214293211287912)  2026-02-16T01:54Z 54.9K followers, 54.9K engagements


"These dentists are definitely sadists running some sort of a global scam. How is it more painful AFTER the root canal than before. And this is when the anaesthesia hasnt completely worn off. Achcha chalta hoon Duaaon mein yaad rakhna. https://t.co/0yUgBJrlIr Achcha chalta hoon Duaaon mein yaad rakhna. https://t.co/0yUgBJrlIr"  
[X Link](https://x.com/ravihanda/status/2023303948992643179)  2026-02-16T07:50Z 54.9K followers, [----] engagements


"Were hiring a Founding Backend Engineer to build an AI financial advisor. Were building Handa Uncle an AI-powered personal finance platform designed to deliver real regulated financial guidance at scale. You will: Architect the core backend from scratch Design secure auditable systems suitable for a regulated fintech Build scalable APIs powering AI-driven recommendations Integrate with Account Aggregator KYC and mutual fund infrastructure Own database design performance and system reliability Work closely with founders to shape product direction and engineering culture Were looking for"  
[X Link](https://x.com/ravihanda/status/2023344293943853490)  2026-02-16T10:30Z 54.9K followers, [----] engagements


"Something big is happening. But you are in India. We don't lose jobs to superior tech easily. Unless you are in a job where you are serving the developed world it will take at least [--] years for you to be eliminiated. Yes tech bros should be worried. But only them"  
[X Link](https://x.com/ravihanda/status/2021870251215085660)  2026-02-12T08:53Z 54.9K followers, 111.2K engagements


"It is surprising how public figures are such openly casteist"  
[X Link](https://x.com/ravihanda/status/2021464243011260799)  2026-02-11T06:00Z 54.9K followers, 86.9K engagements


"@amitgoel78 @shantanugoel Indian bureaucracy se AI nahi bacha sakta"  
[X Link](https://x.com/ravihanda/status/2023345858683846798)  2026-02-16T10:36Z 54.9K followers, [---] engagements


"You dumb idiot You will get scammed one day. This particular investment was via a fund. I just gave money to a friend and he invested in it. I have done multiple similar investments. Most others have failed. Angel investing is the fastest way to lose money"  
[X Link](https://x.com/ravihanda/status/1960200253828993346)  2025-08-26T04:38Z 52.2K followers, [----] engagements


"@boraxx This is the fund manager"  
[X Link](https://x.com/ravihanda/status/1960366988439494742)  2025-08-26T15:41Z 52.2K followers, [---] engagements


"Didnt realise Dollar is almost [--] now"  
[X Link](https://x.com/ravihanda/status/1960626427017224225)  2025-08-27T08:52Z 52.2K followers, 15.2K engagements


"You dont pay through the nose in India and that is why you get shoddy service. A tiny fraction is willing to pay for good service in India. It sucks to be a customer in India. You pay thru your nose and you still get shoddy service. It sucks to be a customer in India. You pay thru your nose and you still get shoddy service"  
[X Link](https://x.com/ravihanda/status/1960948842766999989)  2025-08-28T06:13Z 52.2K followers, [----] engagements


"@mister_whistler Yeah. Fried fish in a bun. Dublin zindabaad"  
[X Link](https://x.com/ravihanda/status/1960971324383543307)  2025-08-28T07:42Z 52.2K followers, [---] engagements


"What is a worse financial decision than buying a ULIP or trading options Having a kid. 🥲 [--] Lakh / year in fee at a school in Bangalore. This is beyond crazy"  
[X Link](https://x.com/ravihanda/status/1962065920731586923)  2025-08-31T08:12Z 52.3K followers, 46.6K engagements


"I need to exit the exited founders WhatsApp group"  
[X Link](https://x.com/ravihanda/status/1962539241445212316)  2025-09-01T15:33Z 52.3K followers, 11.6K engagements


"3000 Mutual Fund Distributors have taken away [-----] crores from YOUR pockets. And most of you havent realised it. These include everyone from the friend who told you to buy a fund to the big private bank you have an account at"  
[X Link](https://x.com/ravihanda/status/1962778825827520716)  2025-09-02T07:25Z 52.5K followers, 27.8K engagements


"@Sumit_4ever I am hopeful things will change with time"  
[X Link](https://x.com/ravihanda/status/1962781626922144024)  2025-09-02T07:36Z 52.3K followers, [----] engagements


"@dakuwithchaku Nifty [---] Index Fund mein daal de bhai. After all these fee switching between funds booking capital gains - it will be very hard to beat Nifty [---] over your life"  
[X Link](https://x.com/ravihanda/status/1962819628696215606)  2025-09-02T10:07Z 52.3K followers, [--] engagements


"@mohanty_swarup Can you elaborate on it a bit. What would you like to change from an asset allocation perspective"  
[X Link](https://x.com/ravihanda/status/1963066589185470660)  2025-09-03T02:28Z 52.4K followers, [---] engagements


"Can someone please tell me the impact of GST on SUVs / luxury cars I don't understand if they have become costlier or cheaper"  
[X Link](https://x.com/ravihanda/status/1963455651365134565)  2025-09-04T04:14Z 52.5K followers, 49.8K engagements


"@volklub - would you know"  
[X Link](https://x.com/ravihanda/status/1963455736932954578)  2025-09-04T04:15Z 52.5K followers, [----] engagements


"What is this icon on iPhone I dont think I have seen this before"  
[X Link](https://x.com/ravihanda/status/1963588738824774008)  2025-09-04T13:03Z 52.4K followers, [----] engagements


"Was looking for hotel options in Singapore. Clicked on Marina Bay Sands because it looks so nice. Cheapest and costliest room in Marina Bay Sands around Diwali"  
[X Link](https://x.com/ravihanda/status/1963907432075440451)  2025-09-05T10:09Z 52.9K followers, 12.9K engagements


"Any recommendations for a place to stay in Singapore for a week Will be going with wife and kid. Want to do all the touristy stuff. Found these two inside Resorts World Sentosa"  
[X Link](https://x.com/ravihanda/status/1963919745020842091)  2025-09-05T10:58Z 52.9K followers, 10K engagements


"Realised it has been [--] years since I FIREd. Physical health hasnt improved. Mental health better. Financially better. Experimented a lot. Didnt learn much. Detailed video coming soon. Anything specific you want me to cover"  
[X Link](https://x.com/ravihanda/status/1964183357626966489)  2025-09-06T04:26Z 52.4K followers, 37.8K engagements


"@singh_the_1st No"  
[X Link](https://x.com/ravihanda/status/1964229406915707384)  2025-09-06T07:29Z 52.7K followers, [---] engagements


"@FranzKafka89 No yes yes"  
[X Link](https://x.com/ravihanda/status/1964233871073169419)  2025-09-06T07:47Z 52.4K followers, [---] engagements


"EVs are not better for the environment in a country like India where a large portion of electricity comes from coal. EVs are costlier. Charging EVs is a problem for those who live in high rise buildings / tier [--] cities like Jaipur. If you have one car it has to be ICE. I see so many new car buyers just skipping EVs & going for ICE cars. Dude just give it a thought first one decision can save you up to [--] Lakh per year which your ICE influencer won't tell you. I see so many new car buyers just skipping EVs & going for ICE cars. Dude just give it a thought first one decision can save you up to 1"  
[X Link](https://x.com/ravihanda/status/1964880398217031822)  2025-09-08T02:36Z 52.6K followers, 25K engagements


"@Harjeev Hybrid lekar dono ke kalesh paal lene hai"  
[X Link](https://x.com/ravihanda/status/1964881882384113943)  2025-09-08T02:42Z 52.4K followers, [---] engagements


"Were looking for a Content Operations Associate to join our team in Vaishali Nagar Jaipur (On-site) and help scale our YouTube channel podcast and social media presence"  
[X Link](https://x.com/ravihanda/status/1964976803484946678)  2025-09-08T08:59Z 52.6K followers, [----] engagements


"Safe Withdrawal Rates often scare FIRE aspirants. They shouldn't. What would happen if you did an SWP of [----] per month from a [--] Lakh corpus for [--] years Well you would still be left with [--] lakhs if you had picked the right fund. This is a withdrawal rate of 8.4%"  
[X Link](https://x.com/ravihanda/status/1965050179939422293)  2025-09-08T13:50Z 52.5K followers, 18.9K engagements


"But the Safe Withdrawal Rates that you hear about in youtube videos / read about in newspaper articles - they are all extreme cases. The 4% rule is for the worst scenario in a [---] years in the US. The number for India is often said to be even lower"  
[X Link](https://x.com/ravihanda/status/1965052704105082999)  2025-09-08T14:00Z 52.4K followers, [---] engagements


"So what is the truth Is it [--] Is it 3% What is the real number What can you target I am afraid I cannot answer that for you. You have to figure it out for yourself. You need to accept that neither expenses nor inflation nor returns are a straight line"  
[X Link](https://x.com/ravihanda/status/1965053359414706262)  2025-09-08T14:03Z 52.4K followers, [---] engagements


"@KhushinderMohan We have had nominal GDP growth at less than 10% during the last decade as well"  
[X Link](https://x.com/ravihanda/status/1965054778494562771)  2025-09-08T14:09Z 52.4K followers, [---] engagements


"@KhushinderMohan Covid fucked up the numbers. Sure. We have had low inflation the last decade. Real GDP growth rate hasn't been booming as well. If not [--] it wouldn't be more than 12"  
[X Link](https://x.com/ravihanda/status/1965062059869253765)  2025-09-08T14:37Z 52.4K followers, [--] engagements


"Someone saw my latest YouTube video summarized it and posted it on Reddit. Got a ton of upvotes. More views than YouTube. More upvotes than Twitter and LinkedIn combined. Need to find my tribe there"  
[X Link](https://x.com/ravihanda/status/1965269617573855549)  2025-09-09T04:22Z 52.5K followers, [----] engagements


"I should become a mutual fund distributor. Lifelong low effort money is lying on the table. Just need to bend to pick it up. And I already have a sales channel figured out"  
[X Link](https://x.com/ravihanda/status/1965349290668425389)  2025-09-09T09:39Z 52.6K followers, [----] engagements


"Scary stuff. Nepal parliament set on fire"  
[X Link](https://x.com/ravihanda/status/1965379045698551985)  2025-09-09T11:37Z 52.4K followers, [----] engagements


"Not all Mutual Fund Distributors are bad people who prey on the investors. The problem is at a structural level. MFs should not be a forever commission paying product. Currently you will pay commission to the MFD till you die and then your future generations will pay. @ravihanda 💯 Unfortunately in India mutual fund distributors and LIC agents are making money while preying on investors. Sad truth I mean why does MFD need to sell 10-15 schemes and change them every 12-24 months for a middle class family Chipkao @ravihanda 💯 Unfortunately in India mutual fund distributors and LIC agents are"  
[X Link](https://x.com/ravihanda/status/1965610874783363205)  2025-09-10T02:58Z 52.6K followers, [----] engagements


"@hellosimar You will have to sell existing holdings and then buy direct plans again. You will end up paying capital gains taxes. A tax free switch is not allowed"  
[X Link](https://x.com/ravihanda/status/1965613314333118573)  2025-09-10T03:08Z 52.5K followers, [---] engagements


"Indian managers - "requesting" you to come to office after your [--] year old daughter got operated. This is why people chase FIRE / passive income"  
[X Link](https://x.com/ravihanda/status/1965724191841534055)  2025-09-10T10:29Z 52.6K followers, 112.6K engagements


"@Raguachar That is exactly what I am implying because that is what I see around me and have seen around me in [--] years that I have been working. Spreading positivity about work culture in India would be a lie. If you have a good manager or you are one - it is an exception not a rule"  
[X Link](https://x.com/ravihanda/status/1965828065927614516)  2025-09-10T17:21Z 52.5K followers, [---] engagements


"Time is a flat circle. I made the exact same mistake and had the exact same realisation as Prateek Tarani in [----]. I hope at least some of you will have a hard look at your stock portfolio and realize the same thing - you are not a fund manager. You should not be investing in the stock market directly. Outsource the decision making to someone else who knows this stuff. May be it is a Mutual Fund manager may be it is a PMS may be it is AI may be it is an algorithm - do not do it yourself. I like Prateek believe Mutual Funds Sahi Hai and have been doing that from 2008"  
[X Link](https://x.com/ravihanda/status/1965988130193818100)  2025-09-11T03:57Z 52.7K followers, 17.9K engagements


"I have close to [--] invoices. All in PDFs. They are from Uber Make My Trip Indigo Smartbuy. I just need the date amount and type in an excel from those. Any AI bot / tool that I can use for it. Doing it manually seems tough"  
[X Link](https://x.com/ravihanda/status/1966016515968512259)  2025-09-11T05:50Z 52.6K followers, 41.5K engagements


"@averagespy What advantage do you see over a mutual fund"  
[X Link](https://x.com/ravihanda/status/1966066738375913527)  2025-09-11T09:10Z 52.5K followers, [---] engagements


"@Vikas_fingyaan Better view from an asset allocation perspective. Still think debt should be higher"  
[X Link](https://x.com/ravihanda/status/1966167661727101195)  2025-09-11T15:51Z 52.5K followers, [---] engagements


"@YatharthMishra_ The probability of beating a fund manager would still be pretty low"  
[X Link](https://x.com/ravihanda/status/1966174717402034612)  2025-09-11T16:19Z 52.5K followers, [---] engagements


"@sunnyboyrohit @paraschopra @PPLXfinance would literally tell you the same. Do asset allocation and stick to index funds. http://HandaUncle.com http://HandaUncle.com"  
[X Link](https://x.com/ravihanda/status/1966425004335362065)  2025-09-12T08:53Z 52.6K followers, [--] engagements


"@thetrickytrade Naah mate. You cannot do all that at 10-12 cr"  
[X Link](https://x.com/ravihanda/status/1966437855967719482)  2025-09-12T09:44Z 52.5K followers, [----] engagements


"@AirmilesEnthu Should have mentioned - ICICI mutual fund"  
[X Link](https://x.com/ravihanda/status/1966513667324686718)  2025-09-12T14:46Z 52.5K followers, [---] engagements


"I am planning a trip to Singapore in a couple of weeks. Hotel rooms are at 25k / day. A week is costing around 2L. Economy tickets are 1.5L. Business is 7+ If I move to business I would probably move to a 50k / day room as well. The trip cost would move up from 5-6 to [--]. Two such trips a year would push the total vacation budget to probably 25L. Add another [--] for day to day life. 60L / year in total. Dont think it is sustainable at 10-12 Cr. Have to live out my entire life on it and there is kids college / marriage in it as well"  
[X Link](https://x.com/ravihanda/status/1966528769554014597)  2025-09-12T15:46Z 52.5K followers, [---] engagements


"@zhr_jafri Ye zaroori nahi ki humein kaisa samaaj mile. Ye zaroori hai ki hum kaisa chor jaate hai"  
[X Link](https://x.com/ravihanda/status/1966568501239558431)  2025-09-12T18:24Z 52.5K followers, [----] engagements


"Apparently TCS has a fluidity list and people are getting fired based on that. Websites should be reporting on this. If a startup fires [--] people it becomes a headline at [--] websites. This is TCS - largest private employer in India"  
[X Link](https://x.com/ravihanda/status/1966695722600067580)  2025-09-13T02:49Z 52.7K followers, 113.5K engagements


"I used to think Singapore Visa is easy but naah - need flight tickets hotel bookings duly filled out application forms company registration company GST cover letter bank account statements new photos with specific dimensions passports with blank pages and [--] months of validity left on them. All this needs to be submitted to a specific agent in Jaipur at a specific time"  
[X Link](https://x.com/ravihanda/status/1968182097358753862)  2025-09-17T05:15Z 52.7K followers, 48.7K engagements


"@jeetttrivedi12 I dont have a job / salary so extra stuff is needed for that"  
[X Link](https://x.com/ravihanda/status/1968188175622570461)  2025-09-17T05:40Z 52.6K followers, [---] engagements


"@jeetttrivedi12 Also Jaipur makes a difference I guess"  
[X Link](https://x.com/ravihanda/status/1968188362231329043)  2025-09-17T05:40Z 52.6K followers, [---] engagements


"@djhrishi Only one authorized agent in Jaipur. Will only take application within [--] days of travel"  
[X Link](https://x.com/ravihanda/status/1968214351833366619)  2025-09-17T07:24Z 52.6K followers, [----] engagements


"I am extremely jealous of folks who are doing cool stuff that they enjoy. Meeting a friend tonight who is IIT + IIM + CFA. Guess what he does now. Makes wines from exotic fruits. Do try Arishtam if you see it around you"  
[X Link](https://x.com/ravihanda/status/1968244093227864400)  2025-09-17T09:22Z 52.6K followers, 15.1K engagements


"iPhone Review after [--] years of use: UI / UX is below Android. Switching between apps is hard. Product sturdiness is better than Samsung. I have dropped it many times. I dont use a cover. Heavier than what I like because I choose the Pro Max version which is a mistake. The photos feel better. Or at least you are not ashamed of giving out your phone to click a picture. In my experience multiple times people (specially my wife) have said - iPhone se lo photo. It glitches often. It glitches crazy when the battery is 1%. The letters on the keyboard would disappear. The entire app just hangs. It is"  
[X Link](https://x.com/ravihanda/status/1968983630094696687)  2025-09-19T10:20Z 52.7K followers, [----] engagements


"BIGGEST NPS CHANGES [----] (1) Annuity compulsion cut to 20% (2) 100% Equity now allowed (3) New SUR option for steady withdrawals Ive explained all the important updates in this video: https://youtu.be/9uVqTIxRBgA https://youtu.be/9uVqTIxRBgA"  
[X Link](https://x.com/ravihanda/status/1969342650378571974)  2025-09-20T10:07Z 52.8K followers, [----] engagements


"@jassneetsingha It already is"  
[X Link](https://x.com/ravihanda/status/1969351383229898901)  2025-09-20T10:42Z 52.7K followers, [--] engagements


"Want to work on something where the graph looks like this I am looking to hire a full time video editor / producer in Jaipur. Please DM"  
[X Link](https://x.com/ravihanda/status/1970074646109446604)  2025-09-22T10:36Z 52.8K followers, [----] engagements


"Bangalore ke doston ke whatsapp padke kaleje ko thandak milti hai - Jaipur utna bhi bura nahi hai. 😂"  
[X Link](https://x.com/ravihanda/status/1970132275565298107)  2025-09-22T14:25Z 52.8K followers, [----] engagements


"NPS [----] BIG Changes 🔥 Two key documents came out last week which made [--] big and many small changes in NPS. They are: 100% Equity is now allowed Annuity requirement is now only 20% SUR (Systematic Unit Redemption) Let's talk about them in a bit more detail"  
[X Link](https://x.com/ravihanda/status/1970705943206953165)  2025-09-24T04:24Z 52.8K followers, 13.3K engagements


"Personally I love NPS. Have recommended it to friends family members followers - nearly everyone I meet when the conversation of money comes up. However NPS doesn't get sold / promoted because it doesn't give out commissions like FDs bonds Mutual Funds"  
[X Link](https://x.com/ravihanda/status/1970705951586983948)  2025-09-24T04:24Z 52.7K followers, [---] engagements


"Two key criticisms of NPS have been: [--] - The maximum you can invest in equity is 75%. [--] - You need to buy an Annuity plan at exit with 40% of the corpus collected. I can argue that neither of these are reasons enough to skip NPS but now I don't need to :)"  
[X Link](https://x.com/ravihanda/status/1970705954665611586)  2025-09-24T04:24Z 52.7K followers, [---] engagements


"MSF (Multiple Scheme Framework) lets non-govt subscribers choose persona-based schemes with risk variants. So you will have Corporate Slaves Zamindaar Businessmen Bhikhari Entrepreneurs as categories. Ok ok. I am making these up. Real ones are given below:"  
[X Link](https://x.com/ravihanda/status/1970705962018156985)  2025-09-24T04:24Z 52.7K followers, [---] engagements


"The other key criticism has been - why is the govt forcing me to buy Annuity with 40% of corpus. Well it is called the National PENSION System. It is designed to give you a regular payout like your Dad got when you retired. Well not anymore"  
[X Link](https://x.com/ravihanda/status/1970705965268750812)  2025-09-24T04:24Z 52.8K followers, [---] engagements


"The compulsory annuity part will now be limited to only 20% of your corpus when you exit"  
[X Link](https://x.com/ravihanda/status/1970705968867520663)  2025-09-24T04:24Z 52.8K followers, [---] engagements


"While this is still an "exposure draft" and not a reality yet but I am sure this will happen. PFRDA does not put out drafts with good ideas for public consumption and then take it away"  
[X Link](https://x.com/ravihanda/status/1970705972386767205)  2025-09-24T04:24Z 52.7K followers, [---] engagements


"SUR will be available for a minimum of [--] years but it can be extended beyond that. This is very helpful specially for people like me. I get lost in analysis paralysis and never invest. Instead of [--] cr in one shot I would prefer [--] lakh a month for [--] years"  
[X Link](https://x.com/ravihanda/status/1970705995702694012)  2025-09-24T04:24Z 52.8K followers, [---] engagements


"Some other good points that I found in the documents are: a) If you leave Indian citizenship you can take out all your NPS money. b) If you have less than [--] Lakh in NPS you can take out all your NPS money without tax without annuity. Earlier it was [--] Lakhs"  
[X Link](https://x.com/ravihanda/status/1970705998898683938)  2025-09-24T04:24Z 52.8K followers, [---] engagements


"f) You can continue your NPS account till [--] years and need not exit at [--]. If you die your entire corpus passes to the next generation completely tax-free. Perhaps the only investment instrument that does that"  
[X Link](https://x.com/ravihanda/status/1970706005605625885)  2025-09-24T04:25Z 52.7K followers, [---] engagements


"If you leave your house your Mutual Funds your shares to your son - he will have to pay capital gains tax on it. Not on NPS. No taxes. No annuity. It is money for your son without any boundations"  
[X Link](https://x.com/ravihanda/status/1970706008986263929)  2025-09-24T04:25Z 52.7K followers, [---] engagements


"Singapore visa flight hotels - all done. Will get some content for Instagram. 😁"  
[X Link](https://x.com/ravihanda/status/1971226052400926965)  2025-09-25T14:51Z 52.8K followers, [----] engagements


"Can someone please explain - what is the point of SIF for an investor Why would I not put my money in a mutual fund that promises to achieve the same goal"  
[X Link](https://x.com/ravihanda/status/1971442533889921088)  2025-09-26T05:11Z 52.8K followers, 11.6K engagements


"I got a payout of 40$ with 50k+ followers and I tweet multiple times every day. Dont get swayed by screenshots or 100s and sometimes 1000s of $ being paid out on Twitter. There are much easier ways to make money than monetization on Twitter"  
[X Link](https://x.com/ravihanda/status/1971800600800301412)  2025-09-27T04:54Z 52.7K followers, [----] engagements


"CFO of @MarcellusInvest Saurabh Mukherjea's firm caught stealing over [--] crore from the company. If these guys have such a corrupt CFO and it takes them months to see something happening in their own firm - how can they pick winning stocks"  
[X Link](https://x.com/ravihanda/status/1971829014835732956)  2025-09-27T06:47Z 52.8K followers, 17.6K engagements


"Saurabh Mukherjea of @MarcellusInvest has come out with this video talking about fraud by the CFO of his company to assure clients. Nope. Not done. Too late. You should tell your clients BEFORE a newspaper or a random account does"  
[X Link](https://x.com/ravihanda/status/1972132904567558628)  2025-09-28T02:54Z 52.8K followers, [---] engagements


"They: It gets better Ghulam Ali: Waqt achcha bhi aayega Nasir Gam na kar zindagi padi hai abhi Ranveer Singh: Apna time aayega. Me: I am [--] already. When"  
[X Link](https://x.com/ravihanda/status/1972280780186595546)  2025-09-28T12:42Z 52.8K followers, [----] engagements


"Sharma ji ka ladka nahi To Varma ji ka jita diya"  
[X Link](https://x.com/ravihanda/status/1972369091878142030)  2025-09-28T18:33Z 52.8K followers, [----] engagements


"SIFs are here. Hedge-fund style strategies in a mutual fund wrapper. I break down how they work + SBI vs Quant match-up. Premieres today at [--] PM. Watch here: https://www.youtube.com/watchv=1pwVSqu8Kw4 https://www.youtube.com/watchv=1pwVSqu8Kw4"  
[X Link](https://x.com/ravihanda/status/1972597001251594294)  2025-09-29T09:39Z 52.9K followers, [----] engagements


"Should you invest in SIFs Hedge-fund style strategies in a mutual fund wrapper. I break down how they work + SBI vs Quant match-up"  
[X Link](https://x.com/ravihanda/status/1972634461507637596)  2025-09-29T12:08Z 52.9K followers, [----] engagements


"Indian founder taking a moral stance. Extremely rare but glad that not all of them are without a spine. It is easy to write posts on social media but to actually do something about it - I bow to thee. Offline Protocol will no longer use Vercel https://t.co/MCpsZ16sl2 Offline Protocol will no longer use Vercel https://t.co/MCpsZ16sl2"  
[X Link](https://x.com/ravihanda/status/1972949493583892523)  2025-09-30T08:59Z 52.8K followers, 19.8K engagements


"But that one loss"  
[X Link](https://x.com/ravihanda/status/1973015076253938173)  2025-09-30T13:20Z 52.8K followers, [----] engagements


"Float an opening for an AI / ML intern (20-25k salary) - 200+ applicants. It becomes a problem to filter. Full time video editor / producer in Jaipur (30-40k salary) - [--] applicants. No assignments given. None show up for interview. Make it make sense"  
[X Link](https://x.com/ravihanda/status/1973235825497481508)  2025-10-01T03:57Z 52.9K followers, 12.2K engagements


"5 Stages of Indian Wealth: From Survival Mode to Generational Wealth"  
[X Link](https://x.com/ravihanda/status/1973340879151857926)  2025-10-01T10:55Z 52.9K followers, 56.2K engagements


"What is the point of all this gyaan if I end up with 3.8% returns. :( Perhaps a satisfaction that it would have been a lot worse without the gyaan"  
[X Link](https://x.com/ravihanda/status/1973597263126770020)  2025-10-02T03:53Z 52.8K followers, [----] engagements


"@MohitTater @mansan223 @grok Yes"  
[X Link](https://x.com/ravihanda/status/1973991815574323518)  2025-10-03T06:01Z 52.8K followers, [--] engagements


"Hey @IshaBhatiaSanan Why such a passive aggressive tone What wrong did I do (Also may be when you use a video of mine - forget asking at least inform and tag)"  
[X Link](https://x.com/ravihanda/status/1974034523953193184)  2025-10-03T08:51Z 52.9K followers, 29.4K engagements


"@Revhappy2 @durga_im @IshaBhatiaSanan Abe dhatura khaaya hai kya subah subah. The startup numbers are not public because it was not a significant amount"  
[X Link](https://x.com/ravihanda/status/1974310405276381635)  2025-10-04T03:07Z 52.8K followers, [--] engagements


"The sooner you get out of India the better it is for you and YOUR KIDS Best is to do it before they are born. Speaking to a lot of friends in India one thing is apparent. What pervaded India between 2014-21 was a sense of unbridled optimism; a hope for things to get better and breaths held for India's moment in modern history to arrive. Today that optimism doesn't seem to exist Speaking to a lot of friends in India one thing is apparent. What pervaded India between 2014-21 was a sense of unbridled optimism; a hope for things to get better and breaths held for India's moment in modern history"  
[X Link](https://x.com/ravihanda/status/1974757043140804935)  2025-10-05T08:42Z 52.9K followers, 61.6K engagements


"@sharyash12 From the top of my head these look like good options: Germany Netherlands Ireland Singapore United Arab Emirates Portugal Spain New Zealand Australia Canada"  
[X Link](https://x.com/ravihanda/status/1974778028170629229)  2025-10-05T10:05Z 52.9K followers, [----] engagements


"Countries best suited for Indians to migrate to in 2025:"  
[X Link](https://x.com/ravihanda/status/1974791779552829531)  2025-10-05T11:00Z 52.9K followers, 15.4K engagements


"ICICI seems to be pulling off a nice caper with their Credit Cards. Emeralde and Emeralde Private are vastly different cards with very different benefits. The Private one is better by a huge margin and is just [---] extra"  
[X Link](https://x.com/ravihanda/status/1975040355608510877)  2025-10-06T03:28Z 52.9K followers, [----] engagements


"The road in front of my house has been in pretty bad shape for a few months now. Looking to hire a white YouTuber to come and make a video about it. DMs are open. Location: Maharana Pratap Road Near Vaishali Nagar Jaipur - 302034"  
[X Link](https://x.com/ravihanda/status/1975049961894191251)  2025-10-06T04:06Z 52.9K followers, 20.6K engagements


"@bhagatsprithvi @caleb_friesen2 Hey @caleb_friesen2 - what would it take to make this a reality"  
[X Link](https://x.com/ravihanda/status/1975196254868320391)  2025-10-06T13:47Z 52.9K followers, [---] engagements


"@caleb_friesen2 @bhagatsprithvi @RuntimeBRT [--] sections on a [--] km road. You will comfortably beat [--] - I can bet on that. Prithvi can verify. He had come to meet me couple of months ago. 😁 Also @sharadbansal31 is very cued in to the Jaipur startup ecosystem - I am sure he will be able to connect you with a few"  
[X Link](https://x.com/ravihanda/status/1975380028214182201)  2025-10-07T01:57Z 52.9K followers, [---] engagements


"The 5% Rule - Why 20x Your Annual Expenses is Enough for Retirement"  
[X Link](https://x.com/ravihanda/status/1975834628838547887)  2025-10-08T08:04Z 52.9K followers, [----] engagements


"When you have to cut down on spending because the markets are not doing well. 😢"  
[X Link](https://x.com/ravihanda/status/1976295805775712602)  2025-10-09T14:36Z 52.9K followers, [----] engagements


"International holidays sound fancy but they are a pain if you live in tier [--] India. On my way to Singapore. Tweeting from airport lounge in Kolkata at 1:00 AM because this was the best option available. 😢"  
[X Link](https://x.com/ravihanda/status/1977820247454630312)  2025-10-13T19:34Z 52.9K followers, [----] engagements


"@sushovitrazdan The middle class in India is not rich enough to pay these taxes. Middle class is typically between 90%ile to 50%ile. They dont come under tax bracket in India"  
[X Link](https://x.com/ravihanda/status/1978294606774091796)  2025-10-15T02:59Z 52.9K followers, [--] engagements


"@SahilRiz umm. Something wrong here. The article says Apple $1051855. That is [-----] Million not [-----] Billion"  
[X Link](https://x.com/ravihanda/status/239140430569172992)  2012-08-24T23:21Z 52.5K followers, [--] engagements


"@Samanth_S Where did he say this"  
[X Link](https://x.com/ravihanda/status/269805701013061632)  2012-11-17T14:14Z 52.3K followers, [--] engagements


"@Samanth_S "16000-word article on Samir Jain" ahem A bit long don't you think"  
[X Link](https://x.com/ravihanda/status/274400460125908992)  2012-11-30T06:32Z 52.3K followers, [--] engagements


"I don't think very highly of Ben Affleck but to all those who outrage - 'How many of you were convinced that Heath Ledger could play Joker'"  
[X Link](https://x.com/ravihanda/status/371170012544774144)  2013-08-24T07:20Z 45.1K followers, [--] engagements


"#TIL Ducati is owned by Lamborghini Lamborghini is owned by Audi Audi is owned by Volkswagen Volkswagen is owned by Porsche"  
[X Link](https://x.com/ravihanda/status/984630565298212864)  2018-04-13T03:13Z 45.2K followers, [--] engagements


"They speak English in Scotland is false advertising. Their accents make it sound like a completely different language. Let me put it in a way that techies can understand if English is Java - what they speak in Scotland is JavaScript"  
[X Link](https://x.com/ravihanda/status/998771392509284353)  2018-05-22T03:43Z 45.1K followers, [--] engagements

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