Adi Gupta
@theadigupta
Followers
519
Following
163
Media
59
Statuses
1,082
Investing & finance • Mgmt. consultant • Angel investor • @Wharton MBA + @HKUST • All views personal
Philly
Joined December 2023
Don't wanna be here?
Send us removal request.
Explore trending content on Musk Viewer
Jets
• 194982 Tweets
Adams
• 156032 Tweets
England
• 141779 Tweets
#السعوديه_البحرين
• 125387 Tweets
Bloomberg
• 97844 Tweets
سالم
• 77549 Tweets
Tuchel
• 72309 Tweets
BINI SLAYS AT BILLBOARDPH
• 66078 Tweets
Fields
• 59822 Tweets
Jerry
• 56435 Tweets
SB19 IS BILLBOARDERLESS
• 55117 Tweets
Superman
• 49351 Tweets
Economic Club of Chicago
• 44077 Tweets
Browns
• 39818 Tweets
Krypto
• 34509 Tweets
Steelers
• 32842 Tweets
Amari Cooper
• 32545 Tweets
كاس العالم
• 26589 Tweets
Tapia
• 20449 Tweets
مانشيني
• 18769 Tweets
Russ
• 18215 Tweets
المنتخب السعودي
• 17088 Tweets
علي المنتخب
• 16747 Tweets
#فزعه_الشعب_السعودي
• 13683 Tweets
#POLCRO
• 12700 Tweets
@Akshat_World
Good hotels, gyms, and restaurants in India have become inaccessible for the common Indian. In the guise of inflation, we are now paying luxury prices.
10
11
278
@IndianTechGuide
30% or even higher in developed economies is accompanied with entitlements, social welfare programs, public schools, and sometimes free healthcare. In India, we don’t get much or any of those.
7
17
136
@Akshat_World
Moreover, even if Lakshadweep can’t become Maldives. We have Andaman and Nicobar, Goa (although overpriced), Pondicherry, and Kovalam.
If we aren’t welcome abroad, we have enough beach destinations in India.
5
1
87
@dmuthuk
This client’s journey from ₹10,000 per month to a projected ₹1 crore by retirement shows the impact of regular investing and discipline. It’s a demonstration of how small, consistent savings can accumulate into a substantial fund over time.
2
1
82
@dmuthuk
I have heard that several people are now visiting Thailand and Vietnam instead of Goa for holidays and events (like weddings). This is because Indian hotel rates are very high.
3
2
71
@IndianTechGuide
When I lived in Vashi a few years ago, I never thought that it would have an airport so soon!
2
0
68
@Akshat_World
Your point on relative wealth growth is important. With the average Indian earning 1.72 Lakhs a year, those affording multiple Singapore trips or 10Cr properties are definitely not just upper middle class, but a tiny, wealthier segment.
1
0
63
@dmuthuk
As you once said, 10% is the fund selection and the other 90% is the guidance to stay invested through volatility. Very Iikely that without you they may not have reached their goals.
I prefer direct investments, but you provide a valuable service for many.
1
0
66
@debug_mode
Maybe you could take inspiration and build your own page? As long as he isn’t harming anyone or doing anything that breaks the platform’s rules, it’s okay. If his content bothers you, block him.
1
0
57
@dmuthuk
Equities: majority of portfolio
Real estate: own your home
Gold: keep below 20% (probably closer to 5%)
3
6
47
@dmuthuk
Indian hotels have become very expensive given the surge in travel post-Covid. Everyone wants to stay in the top 3-5 hotels at a particular location, pushing up rates significantly.
2
0
44
@nehanagarr
Public transport still isn't great. Uber and Ola have become expensive. Banks have become lenient on asset-backed loans (like auto). They still prefer it to personal loans.
0
0
45
@dmuthuk
A big financial goal helps make sure that even if you don't achieve it, you end up making prudent decisions and becoming financially independent.
Dreaming doesn't cost money. Thankfully.
3
0
44
@dmuthuk
Higher diversification comes from owning around 12-15 stocks. It also allows a good degree of concentration for outsized returns. Good thoughts by your wife.
2
6
43
@dmuthuk
Havells is tapping into several segments in a significant way. On the ground, I see a lot of new homes using their products.
5
1
38
@IndianTechGuide
@nitin_gadkari
More than the direct benefits from the construction related employment, the improved speed of transport will greatly impact India. One of the big differences between developed countries and India is quality infrastructure.
1
3
32
@Barchart
Chinese stocks may deserve a discount to intrinsic value because of regulatory uncertainty. However, I think the market has been oversold. High quality companies are trading at 10x P/E.
8
2
30
@Akshat_World
Agree. HUL's latest strategy reveals a key insight into the FMCG sector: Top-line growth is slowing down. They're now focusing on increasing profits by tightening margins with distributors. A clear shift in priorities in a changing market.
1
0
31
@GayatriiM
Being alone allows you to listen to your inner voice a little bit better. You become more confident with your own instincts and develop a unique character. Ultimately, you have to be with yourself for the rest of your life - so I definitely recommend it.
1
3
29
@IndianTechGuide
Everyone is jumping to 2 sides of this issue. However, let's look at it objectively. Many of these residents will now get better apartments. Retailers can get access to prime property from Adani with access to new clients.
What's so bad?
3
2
28
@Akshat_World
The struggle is real for many as wage hikes fail to keep up with inflation, highlighted by MGNREGA’s data on modest increases.
It’s a harsh reminder that for the majority, a salary is a lifeline for essentials, and sadly, the less knowledgeable about inflation are the hardest
0
1
27
@dmuthuk
You've hit the perfect balance between professional growth while balancing personal responsibilities. Rest of us are still grinding. Kudos!
1
0
27
@dmuthuk
As you have mentioned before, looking at companies from a market cap lens gives you an estimate of realistic chance of becoming a multi bagger. $230B because of coke is a good reference.
2
2
28
@dmuthuk
Absolutely. People can't expect very large companies like Asian Paints, Bajaj Finance, and HDFC bank to have 20% market cap growth for 20 years.
1
0
24
@dmuthuk
Companies like H&M have a market cap of $250B, so there's definetly room for growth. LVMH is currently at $370B - that's an aspiration if they focus on luxury and can serve a global customer base.
2
0
24
@dmuthuk
A correction is akin to getting merchandise at a retailer at a significantly lower price during an end-of-season sale. Obviously, assuming that one has capital to deploy.
Investors are happy. Traders/speculators are unhappy.
1
0
21
@unusual_whales
My heart goes out to their parents and loved ones. I know this tweet in it's current form presents this as a statistic, but once it happens to someone you know - it hits different.
0
0
19
@dmuthuk
I agree. HDFC BANK is a great stock which will provide good returns. However, it is not a 100 bagger at this scale.
1
0
18
@Nithin0dha
Having loving parents who support you is God's greatest gift. Your father must be so proud.
0
0
18
@dmuthuk
“In the state of surrender, you see very clearly what needs to be done, and you take action, doing one thing at a time and focusing on one thing at a time.” - Eckhart Tolle
0
4
17
@MichaelAArouet
The Fed got better at playing economic defense since the 1930s. Now recessions don’t hit as hard or last as long.
7
1
18
@Akshat_World
Agree. Education, health, and good employment are the main pillars of a successful society. That is what we must focus on.
0
2
17
@AdeParimal
Rule of 72: divide 72 by your investment’s return rate to estimate how many years it takes to double. For example, at 8% return, your money doubles in 9 years.
1
0
16
@dmuthuk
Charlie Munger once said, ‘The big money is not in the buying and selling, but in the waiting.’ It’s a reminder of patience over envy in achieving success.
1
1
18
@Akshat_World
4 things have led to Akshat’s outperformance:
1) keeping emergency funds for dips
2) rotating sectors, betting heavily on undervalued sectors
3) picking under appreciated stocks with good fundamentals
4) strategically betting on higher beta of mid/small caps
0
0
18
@Atulsingh_asan
This is a great list. The intersection of this plus a couple of other facts will lead to good investments
-Oversold by technical parameters (RSI, money flow)
-Lack of promoter selling or pledged shares
0
2
18
@dmuthuk
Markets are very irrational. Earlier pessimism. I heard things like ITC is a 'value trap' or it has a special P/E because its a conglomerate. Now, I hear ITC can become 10x despite its high market cap.
0
0
16
@dmuthuk
Companies that target the affluent in India will have a massive runway. Those that are reasonably priced, have high return on capital and good corporate governance. Also, valuation matters.
2
0
16
@dmuthuk
As humans we feel that by taking action, we are changing our fate. However, this natural instinct can be deadly in the case of the markets. Many stocks take 5-10 years to become multibaggers and it’s very easy to sell too early.
0
0
14
@debarghya_das
India has gotten better. And will get even better. BUT, it’s not close to US. Especially from a salary perspective for those working in Tech.
3
0
14
@dmuthuk
Adding more.
Hard: Earning financial returns
Harder: Preserving and growing those returns sustainably
Hard: Beginning your investment journey
Harder: Maintaining the course through market ups and downs
0
0
14
My investing journey began modestly in 2019. Just 1000 Rs in a mutual fund.
Sold it in 2 months as the value increased - quite foolishly. A quick decision, but a start.
Years of learning followed. Market trends. Investment strategies.
Key realizations:
1. Dollar-cost
4
0
14
@dmuthuk
If we treat equities like heritage assets, holding them through generations, we might unlock their true compounding potential.
0
1
12
@BrianFeroldi
A large part of this is our education system. Courses on personal finance and investing are usually not present.
1
0
4
@dmuthuk
Consider Warren Buffett. His wealth wasn’t built overnight but through years of disciplined investing and living within his means. Steady saving and smart choices can lead to financial independence.
0
0
12
@connectgurmeet
Appreciate the hustle. What he is doing for his family will help sow the seeds of financial independence for his family.
0
0
12
@Atulsingh_asan
Be cautious and allocate 10% of savings to cash/bonds to buy on dips. But don't have high allocation to physical gold, as Kiyosaki advises.
0
0
12
@dmuthuk
Great of you to share your update on Diageo/USL so that your followers can evaluate this opportunity for themselves. Hope it works out and you sit on significant gains!
0
0
12
@udaykotak
Well said - the financial services sector and technology availability will dictate our growth. From a policy perspective, we need:
• Policy Continuity
• Equity Cost Awareness
• Debt Market Growth
• Dividend Tax Revision
• Balanced Regulations
1
0
12
@KobeissiLetter
The biggest problem is that those with immense resources often have 1 or no kids. While many with scarce resources have 3 or more kids. Leading to an imbalance.
2
0
11
@Atulsingh_asan
Steps to mislead retail investors:
1. Buy a low-volume neglected small-cap security
2. Share with followers and say the stock has formed a 'double bottom' and is due for a breakout
3. Ask for retweets and likes
4. Get massive profits
5. Sell at the top
0
2
11
@dmuthuk
I like both companies. But they are priced to perfection at this point and I find better risk/reward in other companies.
If there is a correction, I would 100% buy these names.
0
0
10
@connectgurmeet
Everyone talks about winners. No one talks about what % of portfolio is in equities and what is portfolio XIRR % (especially during correction).
0
0
11
@Atulsingh_asan
The share price is very misleading. Retail investors have a perception that it is 'expensive' because of the Rs. >1 lakh pricing. P/E, P/Sales, EV/EBITDA are better measures!
0
0
10
@Atulsingh_asan
In a bull market, everything goes up. But, stocks without fundamentals are hit the hardest in corrections. Also, those thinking they can time the entry and exit are in for a rude awakening.
0
2
11
@dmuthuk
Understand that Diageo India will grow, but will it retain market share and also efficiently run operations (ROCE) and do so profitably (profit margin, EPS growth). We all should do analysis on these aspects too before investing.
2
0
10
@BaluGorade
This is important. We had good earnings growth particularly in 2022, so while we are at all time highs, it's not driven by stretched valuations.
0
0
10
@abidsensibull
India is at a different stage of its growth. Our white collar worker % and organized sector % lags developed economies by a drastic amount. Yes, this trend will play out, but only in the long term.
0
2
8
@dmuthuk
Expecting a move upwards simply because LIC has approval to buy more doesn’t make sense. Think for yourself, is this the most safe and fast growing bank in India?
1
1
9
@dmuthuk
The ease of data access today has shifted investor behavior, often to our detriment. I'm guilty of this too. It’s a reminder that in the world of instant gratification, the principle of patience remains a cornerstone of good investing.
0
0
9
@dmuthuk
Avoiding stupid decisions consistently is the easiest way to differentiate yourself from the crowd. Adding a few good investments to that mix makes your returns legendary.
0
1
9
@kushkatakia
Great share. I’ve been seeing USD/INR has been muted or falling, sure sign of more FDI coming in.
2
0
9
@Akshat_World
Diversification across sectors and buying businesses with quality management is the best defense for investors. Having at least 15-16 stocks is a must.
3
1
8
@dmuthuk
Patience is not the ability to wait, but the ability to keep a good attitude while waiting.
0
0
9
@mayank66333
You're right. But many microcaps also delist or don't grow over 10-15 years. It's more like a VC model where a few winners return all your investment.
0
0
9
@dmuthuk
With the Sensex historically up 69% of the time, betting on growth isn’t just optimism, it’s playing the odds.
0
0
9
@dmuthuk
It’s not intelligence that differentiates investors but patience. Someone that buys a good mutual fund and manages to sit on it for 20 years, will absolutely destroy the average investor.
2
0
9
@dmuthuk
Several twitter gurus wouldn’t share any updates on these matters. Thank you for being transparent. We understand that you are human at the end of the day.
0
1
9
@IndianTechGuide
If you visited villages in UP, even 5-10 years back, the electricity situation was not great. It has improved a LOT. Not saying it is perfect, but there has definitely been progress.
2
2
9
@dmuthuk
This message highlights a classic tale of corporate complacency. I am reminded of
@claychristensen
's 'Innovator's Dilemma'. Failure to innovate and adapt, blinded by past success, is a sobering reminder for all businesses.
0
0
9
@dmuthuk
As someone said before, the stock market is the transfer of wealth from the impatient to the patient. Volatility is not abnormal but actually the norm. I feel worse when we are at all time highs because it becomes tough to fathom the valuations.
0
1
9
@i_sudeepa
Completely agree, with the macro slowdown, hiring has come down. Further, the H1B visa cap has reduced the number of people eligible to stay long term after the STEM OPT is done.
0
0
9
@dmuthuk
Havells is a fantastic play in the capital goods space. Great corporate governance and loyal customers.
1
0
8
@dmuthuk
Not a big fan of sectoral funds, but Quant fund has proven that they bring something of value to the market. Their Active fund/Tax saver fund has given strong returns.
0
0
5
@dmuthuk
Like the famous economist John Maynard Keynes said, “the markets can remain irrational longer than you can remain solvent.”
0
0
8
@dmuthuk
The story of Thorp and Berkshire Hathaway highlights the importance of patience in investing.
It’s fascinating how a single decision to invest in a stock like Berkshire can have such profound long-term implications. A real-world example of Buffett’s principle of buying and
0
2
8
@dividendology
I think $SCHD is a great way to get exposure to the same idea. No need to review yearly as well then.
2
1
8
@Ritholtz
Excited to see how ‘At the Money’ evolves. Tackling complex financial topics in a brief format is challenging but much needed. Congratulations on the launch.
2
0
14
@VishalBhargava5
If there’s development, people have problems.
If there’s no development, people have problems.
Is the Trans Harbour Link perfect? No. Is it much better than what we had before? Yes.
0
0
8
@sandipsabharwal
What do you believe is a good P/E on a long term basis for chemical companies?
1
1
7
@GuyTalksFinance
Both are quite similar. VOO slightly outperforms because of Magnificent 7 outperformance in 2023.
1
0
7
@dmuthuk
Agree. True rarity lies not in wealth alone, but in the wisdom to manage it. In a world fixated on short-term gains, the rare few who focus on long-term financial independence set themselves apart. It's about being a part of that 1%, where patience and discipline define success.
0
0
7
@mohanty_swarup
15.8% depends on the fund category and the benchmark. For hybrids, it's very good. For small and midcaps, it's very bad.
The friend's line of thinking doesn't mean much without further detail.
0
0
6
@Akshat_World
Yes, managing the money yourself is best. But for the common person, who is strapped for time, mutual funds provide a vehicle with 0.5% commission that produces good returns.
0
0
6
@Atulsingh_asan
One must understand is the loss related to market volatility or around fundamentals deteriorating. As long as fundamentals are good, losses represent a great buying opportunity.
Easy to say. Hard to implement.
1
0
7
@dmuthuk
The more we think about investing as gambling, the more likely we are to lose money.
The difference is that markets have a positive bias, so if you wait enough years, you are sure to make money.
1
0
7