Avadhoot_Joshi

Whoever made this map should go to school again.

@Manik_M_Jolly The economics of unlimited thali/plate is simple. The price of the plate will be equal to 1 Kg of costliest item in the thali. Even if one eats only the costliest item, they will not lose much.

In Pune, a new place had opened up at Deccan Gymkhana in 1997 which served a fixed rate thali with unlimited rotis and aaloo matar sabzi. And it tasted pretty nice too. The place got discovered by some NDA guys when they came back from liberty and the news spread. Next Sunday, the place was full of NDA cadets at lunch time. From my squadron only I saw atleast 10-12 guys. The place discontinued the offer immediately after that Sunday. 😐😒

That's why people need to study geography.

@KirtiAzaad One match and that too an exhibition match??? 🤣🤣🤣 Uncle rehne do aap 🙏😂😂😂

For all the #AndhaBhakts. I’m certain it will give them a burning sensation. I recommend #Burnol ointment

@iabhiexx @AlexAndBooks_ Let me add in my cart 👍

@Avadhoot_joshi1 @AlexAndBooks_ Have you read Great war for civilisation?

What's the best book you've read in 2026 so far?

@AnuragKuma23261 @xdownloaderbot plz download

Mandatory holi post

Mandatory Eid post

Join Avadhoot Joshi as he shares insights from his 2025 Personal Finance Audit. Discover his evolution from debt-free living in 2023 to strategic investments. Learn valuable lessons from his financial journey and find inspiration for your own. Read more at freefincal.com/avadhoot-joshi…

Avadhoot Joshi ≠ Avadhut Sathe 🙏 x.com/pattufreefinca…

@virenvjadhav @pattufreefincal I have 500 Crs???? 😬😂

@pattufreefincal SEBI has banned him and confiscated his worngly collected money upwards of Rs 500 crs.

@CricketopiaCom @LaxmanSivarama1

Happy Birthday Sadanand Viswanath He played an important role in India's victory in the World Championship of Cricket in 1985. He played 3 Tests and 22 ODIs for India.

@nitin_gadkari No seatbelt Speed beyond limit @MumbaiPolice plz take necessary action

📍Gujarat Inspected Package 6 and Package 7 of the prestigious Greenfield Vadodara–Mumbai Expressway, a vital segment of the ambitious Delhi–Mumbai Expressway corridor. Accompanied by senior officials from MoRTH and NHAI, reviewed the progress on these key packages and emphasized the need for strict adherence to quality standards, timely completion, and enhanced safety measures at all construction sites. This expressway will significantly reduce travel time, strengthen connectivity to major industrial hubs and PM Gati Shakti nodes, and accelerate economic growth across Gujarat and Maharashtra. #PragatiKaHighway #GatiShakti

@BullMarkets1 It doesn't matter in long term.

Simple Timing Hacks - PPF / Sukanya Samriddhi Yojana - Always deposit money on or before 5th of every month, to get interest. Liquid Funds - Always invest before 01.30 pm to get previous day NAV. Equity / Debt Funds - Always invest before 03.00 pm to get same day NAV.

@BaluGorade Anyways it doesn't matter

In mutual funds, you get the same day NAV if your money reaches the fund house before 3 PM cut-off. Units get credited the next working day as part of the normal process. If you invest on a holiday, you get the next working day NAV. NAV is always based on the end of day price, and everyone gets the same NAV for that day.

@hihellohowryo @kendheswapnil No. Weights will automatically get aligned. That's how math works.

@kendheswapnil When weights change... have to buy and sell to align with current weights. No ?

"Marketcap indices have a serious flaw. Higher the prices go, more you've to buy. Lower the prices, more you've to sell." Says Muthuji. NO. A market-cap weighted index fund does not sell a stock just because its price falls, nor does it buy more just because a stock’s price rises. The weights change automatically with price movement. Rebalancing only happens when the index committee changes the constituents or their free-float data changes. I have said this before and I will reiterate: Muthuji is the most overrated personal finance expert in India. He doesn’t have deep insights into anything, all his knowledge is superficial.

@dhanesh500 That's the problem of comparing with others.

Your ₹25LPA salary sounds great until you realise, It’s just someone’s ₹4 crore FD earning the same by doing nothing.

@HighyieldHarry @BoringBiz_

@BoringBiz_ What movie is this?

Easily one of the greatest scenes of all time, not just in finance movies, but all movies

@NAVofNav @iRadhikaGupta Averaging rolling returns is the second dumbest thing to do 😐

Reminder on Mutual Fund Returns- As shared by @iRadhikaGupta below, What matters is the rolling returns of the mutual fund schemes not point to point discrete returns. For the flexicap funds schemes with highest 5 year rolling returns are shared below - courtsey @ValueResearch.Clearly #2 surprises everyone. Before deciding to buy a scheme on the basis of 1 year p2p returns, always check the rolling returns of the scheme over a longer tenure. #MutualFund #mutualfundsahihai

@SanaSecurities Used numbers in Excel

@Avadhoot_joshi1 I used numbers

Most people don’t think of mutual funds this way but they can actually give you a fixed monthly income! If you invest smartly and give your money time to grow, mutual funds can become a tax-efficient income source- not just a wealth-building tool. Here’s how 👇 Let’s say you invest ₹50 lakhs in mutual funds and just let it grow for 5–6 years. Assuming you invested in a mix of mid and small cap funds where your money grows at 16% per annum. It would be ~ 1.27 Cr at the end of year 6. At that point, you can start a Systematic Withdrawal Plan (SWP), basically, you start withdrawing a small percentage every month. Even if you take out just 0.5% per month, that’s about ₹63,761 monthly, a pretty solid income stream! Here's the best part - 1. Your money stays invested and keeps compounding. 2. The withdrawals are taxed at just 12.5% (long-term capital gains) since the investment has completed one year of holding. Further, this 12.5% tax is charged only on the profit portion of your investment amount (the profit ratio is 0.6% of your corpus of Rs. 1.27 crore - Rs. 50 lakhs being your original investment). So the tax you pay on your withdrawal of Rs. 63,761 is only Rs. 4,782. 3. Pro Tip: Make sure that your withdrawal rate is less than the rate at which your investments will grow. Look at the SWP bucket and keep this graphic in mind - so long as your withdrawal rate is less than your rate of addition, your bucket will keep getting filled (i.e. your portfolio will keep growing despite the withdrawals). Look at the excel example below: I have assumed that in year 7, your investments will grow at only 11%. This is to factor in the withdrawals which will start from that year. If you’d like to learn how to structure an SWP for yourself, let’s connect!