Life Lessons 🌼 🇮🇳

When invested for the long term (10+ years), the XIRR doesn’t change significantly with market rises or falls. Movements in either direction tend to be gradual due to averaging over the extended period.

@ActusDei @thefynprint Coffee Can Investing is dead. Concept expired. Management fees lived long & prospered. Now — fresh story, same movie.

Almost a decade after Coffee Can Investing, Saurabh Mukherjea says the idea is dead. Consumption has crawled. Those fabled moated compounders aren't compounding. And India, he warns, is heading for a 1991-style crisis. Here's what he told us at a @thefynprint event. 🧵

@Kuvera_In @vivekb0706 @lawyerayan How did Ind Money implemented it already?

@100Life_Lessons @vivekb0706 @lawyerayan Hello ! We regret the inconvenience caused. Please note that the system upgrade process is currently ongoing at their end. We request you to kindly allow us some more time. We will keep you informed once we receive any further updates.

Who rules the waves in 2026? 🚢 🇨🇳 China: 841 🇷🇺 Russia: 747 🇺🇸 USA: 465 🇮🇳 India: 343 Total assets compared. Where does your country rank?

@Kuvera_In @vivekb0706 @lawyerayan How long will it take? Pfs like IndMoney implemented this change last month only. This is not a surprise to anyone, MF Central informed about QR Code based sync last year itself.

@vivekb0706 @lawyerayan @100Life_Lessons Our team is actively working with MF Central to align and restore the functionality, and we expect it to be resolved within 15 business days. We’ll keep you posted as soon as this is live. Appreciate your patience

@RajkumarPR8 Can you name some fixed income products that beat PPF in terms of both risks and returns?

Almost a decade ago, my investment journey began with a strong focus on guaranteed returns. I consistently invested nearly 1 lakh in PPF each year during the first week of April. However, as I gained a deeper understanding of the importance of inflation-adjusted returns, my approach shifted. I reduced my contributions to PPF, now making only the minimum deposit of 500 Rupees to keep the account active. Whenever possible, I withdrew funds from my PPF to invest in alternative assets that provide better inflation-adjusted returns. My mindset has transformed from seeking guaranteed returns every year to prioritizing inflation-adjusted returns over the long term. The enclosed image illustrates the decline in PPF interest rates over the past 25 years, showing a significant 42% drop in returns.

Life has to be lived along the way, not just at the end & there has to be a balance. Most people after 45 including me, start listening to their heart a little more, irrespective of what the investment advisor says. After all, today is the youngest we’ll ever be.

@jpgandhi Are you traveling for the first time on Indian Railways? The train operator or onboard ticket examiner doesn’t update train running status individually to each person. If you are interested, there are plenty of websites that provide this information.

Currently, I am en route to Salem from Chennai aboard the Vande Bharat Express, train number 20643. Following our departure from Jolarpettai, the train has maintained a speed of approximately 38 km/h for the past hour. Regrettably, there has been no communication regarding this delay from either the train operator or the onboard ticket examiners. This situation is quite concerning. Do you believe it is possible to obtain clarification from Indian Railways authorities regarding such matters? In many other nations, a refund of ticket charges would typically be offered under similar circumstances. This experience with the Vande Bharat Express is rather disappointing. @railcomplaint @RailMinIndia

Wealth is always relative — to geography and lifestyle. The figure itself is meaningless. What matters is whether your corpus can fund the life you want, where you want.

@VishalBhargava5 When he’s into selling real estate, his views are like a barber recommending a haircut — somehow, you always need one.

Bangalore homes not unaffordable. Home buyers will get their chance as prices will be subdued going forwad. Meet the measured Sunil Pareek of Assetz Group. IT layoffs not having major impact as it accounts for 35% of economy. Hyderabad is competition. Chennai is silent mover.

@pvsubramanyam Out of curiosity, what kind of equity XIRR are you seeing?

Have been in equity markets since 1977. Almost 50 years. Nice to see people born in this Century calling me a 'Retarted investor'. Thank God my portfolio didn't hear that comment.

@ravihanda These are individual choices. I prefer fewer carbs, more walking & exercise, healthy eating & a healthy mind. I enjoy nature & believe in simple, natural ways to stay healthy, keeping things low-key & uncomplicated.

@100Life_Lessons Well yeah - I am fat. Will probably be starting Ozempic once I am back from the trip. 😁 I would argue it is worth it even for a single trip.

The crisis is lifelong. It just took me until midlife to be able to afford it.

@ActusDei @ravisaraogi For many people in IT, retiring ~40 is no longer a choice — it’s being forced. One only needs enough equity exposure to support retirement years; however, some people, allocate more to equity than necessary & then struggle to handle the volatility during bear/correction phases.

Is your dream of early retirement getting erased by this war? We are doing a webinar with @ravisaraogi to find out. A column he wrote in Mint argues that beyond a point, equity actually HURTS the portfolio. But why? Register here to know: share.google/zSKrlPgYJNxcYx…

@ActusDei Only matters if you spend in USD. Resident Indians measure wealth in rupees. By USD logic, salary, house, and FDs also “lost value.” That’s not erosion — currency movement.

@ActusDei @PuranikIra Most importantly, given how health insurers & hospitals often work closely these days, it’s safer to have 2 separate policies. If one claim/policy gets rejected, it won’t impact the other person’s coverage.

Should you add your spouse to your health insurance policy. @PuranikIra writes generally, no! It gets priced for the riskier partner. Better to have seperate ones. thefynprint.com/0BRj4JYqk

@ActusDei @PosteAnil Most BAFs have inconsisistant allocation strategies across market cycles. Opaque decision making on when & how allocation is changed.Often underperforming simple equity-debt combinations. Based on past returns & category flexibility on paper, they are preferred by the crowd.