Real luxuries in life that I enjoy every single day 1. A good night sleep 2. Slow mornings 3. Afternoon nap 4. Hot home cooked meal - All the time 5. Fun with my kid 6. Follow my passion (learn and share knowledge on investment and personal finance) 7. Flexibility to work (I decide when to work and when to take a break) 8. Zero travel time 9. Peaceful life in a small and beautiful city of India - Udaipur 10. Close connect with friends and family And I thank god for this every single day.

@sankartweets Is stock market underperform in 2025, banks won't have to do anything. People will automatically go back to FDs.

@vigneshnamani Well run banks should not have any problem with loan recovery. And top banks have very small exposure to microfinance lending.

@chaudharyankit1 Agree. 80% is crazy high! It’s an extreme move.

@Exponential23 Absolutely. The brighter side here is well run private banks with excellent asset quality are available at very good valuation :) its a matter of improvement in deposit growth.

@Curious_Shubh How can someone find if he booked some profit or is this absolute fall in his portfolio?

@bhautikbhikshu It can happen in any bull run. Nobody can time the exact bottom.

@EquityInsightss We have more than 50% names in common. 👍🏼

In this falling market, the last thing you would want to do is - Sell your equity mutual funds or stop SIP. Trust me, correction is the best time to add rather than sell. If you don't have money to buy more, atleast don't sell! And don't stop that SIP. You will thank me later. PS: Only requirement is long term investment horizon of 5+ yrs at least. Ideally 10+ yrs.

Markets are falling like there is no tomorrow. How much can it fall? I don't know. But what I know is eventually markets will touch a new high. When would that happen? I can't predict. And honestly, as a long term investor I don't really care if it will take 6 months or 1 year or 2 year. We can't control the market fall. But what we can control is our emotion. Just stay calm and remain invested. This too shall pass.

@anuragsingh_as @Ajay_Bagga The best part about your tweets is honesty. It’s not easy to go against the tide. But you don’t hesitate. 🙏🏼

@thefinvestor They think 10 times. And they clearly know how to distract people from more pressing issues :)

@unlearnself He has been playing this violin since long. Just that people heard it when the ship started sinking!

@InvestorOfJAMMU Yes, but last 3-4 yrs of data suggest majority of people invested only in mid/smallcap.

@sagarspride "Useless" is a very harsh word for a person who has seen 35 yrs of investment journey. Let's respect the opinion. I also get your point. 👍

Well said. But unfortunately majority of celebs are followed only for their fancy lifestyle. Not someone whom you want to idealise. And now you can there is another breed of people who become famous by using slang. That's something that can't be changed as it requires critical thinking which majority of people don't have.

@MAGVIC4 One of the reason! Although its not easy to crack indian market but lets see how this development pans out.