Anil Poste

Love this🤣 we are all trump now!

Well captured @partha0799 !

@selfiewithtrain @ActusDei We have confirmed with PGIM MF that they are accepting lump-sum investments, with a per-PAN cap of ₹500,000.

@ActusDei PGIM EM FOF stopped lumpsum investments this month. daily cap.

With feeder funds, pair a US fund with an emerging markets (China-heavy) fund. Don't restrict yourself to just 1 country. Also, explore LRS & GIFT city. The India-based feeders will keep shrinking. Subscribe to thefynprint.com for full story (issue out by EOD).

@devr13536 @ActusDei This is good :)

@ActusDei @PosteAnil We as always going to AMC office and giving cheque applying for Direct growth plans, monitoring by MF central..

Direct mutual funds subsidized by cross-selling other products was the default fintech model. It failed, except where F&O was sold. Now many fintechs are nudging mutual fund customers back into regular plans. Fee vs 'free'. Story by @PosteAnil in thefynprint.com magazine

@neetish19 @ActusDei What is the ceiling limit?

@ActusDei @PosteAnil *grow Direct is not free of commission.. They charge flat fee in direct plans if amount exceed the celling limit

@spaultweet @ActusDei Read the caption - It failed, except where F&O was sold :)

@ActusDei @PosteAnil Among all these, Coin by Zerodha stands out No fees, direct plans, Demat based holdings, as of today

@STIR_Trader_ @ActusDei Yes Abhishek we do, for all such stories

@ActusDei Just curious if thefynprint does research on whether these investors actually invest in the manner that they say they do?

Some Indians who invest overseas have heavy conviction in AI. They have benefited from it so far. We profile one such investor today. To read the full story, subscribe to thefynprint.com magazine

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

@chanandlrbong7 @ActusDei DM me the broker's name, I will check

@PosteAnil @ActusDei Local broker in my locality

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/1FAI…

@chanandlrbong7 @ActusDei Which broker you have?

@ActusDei @PosteAnil @PosteAnil any help with this?

@grok My 2025 X Wrapped

@Amara_Bengaluru @ActusDei @thefynprint Thanks for sharing your story Amar!

Life is all about experiments, experience, mistakes and ensure we dont make the same mistakes again. Learning is the only constant thing. I did share my investment Journey with @PosteAnil and @ActusDei. Humbled to feature on @thefynprint article. thefynprint.com/global-investi…

@learnntrade1 @thefynprint Schedule FA only applies if you have foreign assets, does not apply to indian mutual funds

@thefynprint this is applicable only for foreign accounts right? Nothing to do with Indian accounts?

Resident Indians who are joint holders of foreign bank or investment accounts must report those accounts in Schedule FA, even if they did not contribute any money or earn income from them. If your name appears anywhere on an overseas bank, brokerage, ESOP, or stock investing platform—even as a “secondary” holder, power of attorney, or convenience nominee—you still carry a legal reporting obligation in Schedule FA, regardless of who actually owns or operates the funds. Every year, thousands of taxpayers receive unexpected income‑tax notices simply because a foreign account or brokerage was held jointly and never disclosed, exposing them to penalties of up to ₹10 lakh and even prosecution under the Black Money Act. This rule is especially relevant for returning NRIs, who often continue to hold joint overseas bank or brokerage accounts even after becoming residents for tax purposes, thereby triggering Schedule FA disclosure requirements. Need any help regarding filing for Schedule FA, reach out: thefynprint.com/schedule-fa Read the full article: thefynprint.com/HxfcAi04W to know more about schedule FA.

@aayusharmaa_in @thefynprint We have confirmed this with CA's, please read the full article - thefynprint.com/taxation/sched…

@thefynprint @thefynprint legal backing of mentioned in post?

@gatul28 @thefynprint @MiraeAsset_IN How you invest today - -Invest via Mirae Asset IFSC or an authorised distributor -Complete separate IFSC KYC (PAN, passport, FATCA) -Fund the investment under LRS via designated IFSC banking routes -Units are held and reported in the GIFT structure DM us if any more doubts

@thefynprint Major headache is still the same: how do we invest in a gift city fund ? It is supposed to be a simple execution as other mutual funds through coin or groww etc but that's not the case @MiraeAsset_IN

Launched in September 2025 through GIFT City, The Mirae Asset Global Allocation Fund gives Indian investors access to global wealth without the headache of managing foreign bank accounts, currency conversions, or navigating international tax systems. It is India's only approved International Financial Services Centre, the fund pools investor capital into professionally managed global ETFs tracking themes like artificial intelligence, semiconductors, and defense technology. What makes it different from a regular mutual fund is both its structure and its tax treatment. It's a closed-ended Category III Alternative Investment Fund (AIF), meaning once you invest, your money is invested for a period of three years. Get answers to your questions like: Why invest globally? Who can invest? How it can be beneficial for Indian investors? Read Thefynprint to know: thefynprint.com/tcod1hdfA #globalinvesting #giftcity #nri #personalfinance #thefynprint #money #financialliteracy #education

@gatul28 @thefynprint @MiraeAsset_IN Hi @gatul28 Agreed, but GIFT City funds aren’t SEBI-registered domestic MFs. They’re IFSC-based offshore structures, so platforms like Coin or Groww can’t plug them in easily. That’s why you see separate onboarding, different KYC/banking steps.

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/pas… #markets #Nifty50 #learning #wealth @swing_blaster @Paryan_Sharma @Shantanu10101 @OneWhoNeverSell @TheAlpha10X

@sharmaaniket03 @thefynprint @Garg_Aditya_ @Mf360WW @hariniv2505 @IRInvesting @PiyushNaik46777 @Risk_to_Reward @vishpradp @Vatsalz14 Thanks Aniket @sharmaaniket03 ❤️ :)