Funny how multi billionaires worry about birth rates. India doesn’t need lectures from Elon. It needs better jobs, cleaner cities, stronger institutions, corruption free leaders and higher living standards. Population size alone isn’t a success metric.

🫡🫡🫡 @LICIndiaForever

How much do you know about markets outside India? Drop your answers in the comments & tag @thefynprint. We will tell you if you're right!

Probably @PosteAnil meant, that is the actual yield investor got for the price 1 year ago. It can’t be considered as an yeild for today’s maket price

Well captured @partha0799 !

Had an interesting session with @AashishPS (@WhiteOakCap) and walked away with a completely different way of thinking about diversification, risk, and long-term wealth. c.c @ActusDei @PosteAnil Here are some insights on global diversification, silver and more 👇 ⸻ 1. Why passive worked in the US — but the comparison with India is flawed The US didn’t outperform because it is “better”. It outperformed because of market structure: • Fewer listed companies • Massive buybacks • Cross-holdings • Private equity takeovers • Rising valuation multiples In 30 years, US market cap grew 6x, while the number of listed companies fell ~40%. This concentration and capital discipline is what made passive investing work so well. India does not share this structure. Comparing Indian markets to US indices is like comparing two different machines with the same fuel. ⸻ 2. REITs & InvITs are true diversifiers — when used correctly REITs and InvITs hold income-generating assets with long-term lock-ins. Their key role is not just growth — it is income stability and diversification. Yes, market prices can move. Yes, yields can compress when prices rise. But the underlying cash flows continue to grow, which puts a natural floor under yields. They are structural stabilisers, not tactical trades. ⸻ 3. Global diversification is not about tax or currency only — it’s about purchasing power Most investors judge global investing by: • Taxation • Currency movement Both matter. But they are not the real risk. The real risk is this: If your country underperforms, your entire wealth base is shrinking in global terms — even if your portfolio is “up” in rupees. A depreciating rupee and weak domestic returns quietly erode your real purchasing power. Global investing is about protecting future lifestyle, not chasing returns. ⸻ 4. Most Emerging Markets products are not diversified for Indian investors India is already ~20% of majority EM indices. So when Indian investors buy EM funds, they’re often just buying more India. True diversification today is Ex-India global exposure — where economic cycles are uncorrelated. @WhiteOakCap’s fund here is Ex-India. ⸻ 5. Commodities are macro hedges, not wealth creators Commodities are country-cycle trades. They benefit exporting economies, not consuming ones. For India, they behave like cost inputs, not long-term return engines. That makes them useful as tactical hedges, not strategic portfolio anchors. ⸻ 6. Risk is not volatility — it is permanent loss of capital Price movement is noise. True risk is not getting your money back. If earnings grow, returns may be delayed — not denied. ⸻ 7. Equity sits at the top of the value chain If you understand: • Business • Governance • Capital allocation And economics :) Then equity is where long-term wealth is actually created. But markets are not economies. ⸻ 8. Not all strong economies produce strong stock markets Example: Samsung is ~27% of the Korean stock market. So if Samsung underperforms, Korean indices suffer — even if the economy is doing well. Index performance is a function of concentration, not just GDP. ⸻ 9. Markets move like a sine wave — not a straight line They are driven by human behaviour, not logic. That’s why behavioural economics won a Nobel Prize. Because people are not rational — they are emotional. ⸻ 10. Asset allocation is alchemy, not mathematics 1 1 ≠ 2 Correlations change. Volatility blends. The right mix can increase returns and reduce risk at the same time. That is real diversification. ⸻ Final takeaway: @AashishPS mentioned he’s 50, (I’m almost half his age :)) but here’s what his core philosophy is: Life, investing, and business are not about maximising one variable. They are about optimising the entire system. If you liked this thread, follow @partha0799 for more :)

Let's goo! 😎

Have you ever filed a travel insurance claim for a flight cancellation, delay, lost baggage, or any other issue? Were you successful in receiving the payout? If not, what challenges did you face? This is for a story, please DM or comment @ActusDei @thefynprint

In continuation to my previous learnings on Multi asset allocation fund I came across with a good article in my email by @thefynprint (link attached at last). Summarising the article by @PosteAnil with good data points below. 1. How Different Schemes Allocate ? Funds like ICICI Pru, Motilal Oswal, Aditya Birla and Zerodha Passive FoFs follow different models. ICICI Pru stands out for higher global exposure, Motilal Oswal has both aggressive (equity-heavy) and conservative (debt-tilted) options while ABSL and Zerodha maintain domestic focused allocations. 2. ICICI Pru and Motilal Oswal Highlights ICICI Pru Passive FoF roughly splits into 28% global equity, 35% domestic equity, 35% debt, 2% gold. Motilal Oswal’s aggressive variant leans on Indian equities US exposure gold whereas its conservative version is debt focused with mild equity and gold exposure. 3. Tax-Efficient Rebalancing Rebalancing inside the fund doesn’t trigger capital gains tax. Investors avoid tax leakage that normally occurs when shifting money between equity, debt, or gold on their own. To Conclude: These funds suit longterm investors wanting steady growth with lower volatility. With global exposure built in diversification and automatic rebalancing at low cost passive multi-asset funds offer a balanced, hassle-free investment journey. Link to the full article: thefynprint.com/investment/p… #markets #Nifty50 #learning #wealth @swing_blaster @Paryan_Sharma @Shantanu10101 @OneWhoNeverSell @TheAlpha10X

Hi everyone I’m exploring inbound Portfolio Management Services (PMS) based in GIFT City that accept investments from US citizens. If anyone in my network knows of such PMS providers, please DM or comment. @ActusDei @thefynprint

I’m writing a story on offbeat, budget-friendly New Year destinations. If you travelled to Oman, Qatar, Egypt, Georgia, Uzbekistan, or Kazakhstan and can share your experience, DM or comment to connect. @ActusDei @thefynprint

An excellent compilation by @PosteAnil with inputs from @ankurc07 of @GetBelong of GIFT City FDs & savings account rates for NRIs. To learn more about global investing, sign up for my upcoming webinar on Friday at 7 pm payments.cashfree.com/forms/…

How to link NPS with CAS for Kfin and CAMS users. @PosteAnil provides these amazing practical tips. If you like his work, please repost and join our personal finance community docs.google.com/forms/d/e/1F…

Roshi Jain’s HDFC AMC Journey Ends With a Strong Performance Run; by @PosteAnil in @thefynprint - Credited for delivering consistent alpha across flagship equity schemes - Schemes managed; HDFC Focused Fund, Flexi Cap Fund, Tax Saver Fund - What should an investor do when a fund manager exits? & My views...

Parag Parikh AMC Looks to Expand GIFT City Offerings, soon to launch passive outbound funds, Eyes NPS Entry. Read more: thefynprint.com/5ah92KCMO @ActusDei @thefynprint

What influencers DON'T tell you about PMS. 1) You are taxed on churn 2) No tax deduction on PMS fees 3) High & complex costs Why are PMSes being promoted relentlessly?

Some personal news! I’ve joined @TheFynprint after a fulfilling stint at ET Wealth. In my new role, I'll be diving deeper into stories that simplify insurance, investing & more. Looking forward to working with @ActusDei For ideas and concerns, reach me at ira@thefynprint.com