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@Sandeep_Majj Same lesson again — always fundamentals over sentiments.

Markets swing as per sentiment in the short term but aligns back to its earnings and fundamentals in the medium to long term !! In a bear market the excesses is on the down side while bull market euphoria makes excesses on the upside. Something very simple and something that keeps repeating yet so many make mistakes because most humans are driven by emotions rather than logic. #StockMarket

@FI_InvestIndia When price falls and earnings rise, valuations compress, creating exactly the entry conditions long-term investors wait years for. The market is volatile, but businesses are doing their job.

Indian Stock Market is Falling But Company Earnings are Rising 👍 समझदार को इशारा काफी है 💪 Stay the Course 🔥 #FI

@moneyworks4u_fa Most investors who started in 2011 didn't stay through all of it. The fund delivered 19%. The average investor in it? Significantly less.

If you had invested in DSP Smallcap in Jan 2011, it would have compounded at a CAGR of 19% well above any other investment option. DSP Smallcap fund 5 yr rolling returns suggest there is 55% probability that its 5 yrs CAGR will be 20%+, while 78% probability that its 5 yrs CAGR will be 12%+. But after such sharp drawdown the probability of making higher returns improve significantly.

@manoj_216 Japan took 30+ years because it experienced a demographic collapse, a deflationary spiral, and policy paralysis simultaneously. India has the opposite on all 3.

What is the point if markets take 20-30 years to recover? Someone recently asked me a very pertinent question, "We know that markets will be back up some day. But when? If it takes too long and it recovers beyond the prime time of our lives, it's a danger for us. Whats the point of sitting on wealth at a very elderly age?" The truth is, no indicator can reliably tell us whether recovery will take 3 years or 10 or may be 20. If such a tool existed, everyone would use it and markets would stop behaving the way they do. Even the best investors in the world - from Warren Buffett to Howard Marks - do not (and cannot) predict time. They focus on probability and preparedness. Then, after a bit of thinking, I gave him a simple framework of assessing when markets will likely come back The Framework Think about this time risk by distinguishing between three types of market falls. • First, temporary volatility - these are sentiment-driven corrections (like COVID, Gulf war etc.) and usually recover in 1–3 years. • Second, economic cycles - caused by inflation, interest rates, slowdowns; recovery may take 3–7 years but is still normal. • Third, structural decline - this is the real danger, where an economy weakens for long periods (like Japan), and recovery can take decades. Now, how do we identify real danger? We can’t predict timelines, but we can surely track signals. Look at economic growth, demographics (young vs aging population), and policy direction. There is seemingly no structural decline so far, at least for Indian markets. Also, one must check if valuations were extremely high when you invested, and whether you are diversified. If these factors remain strong, long delays in recovery are less likely. More on our WhatsApp Channel: whatsapp.com/channel/0029Vb…

@AmitabhaDash COVID fall was visible, sharp, and scary. This one is slow, grinding, and demoralizing.

Popular opinion: This Nifty “crash” may not look like COVID on the index, but on the ground it’s a different story. • 2 years of near-zero returns • 1 year ~15% drawdown • Small & microcaps down 50–70% • Even FMCG, ITC, HDFC-large caps are falling sharply • Forward Nifty forward PE ~17 This has been a slow, time-consuming crash. At this point, across most fronts, the pain is very similar to the COVID crash. #Nifty #MarketCrash #Investing #Stocks

@ChanderBhatia01 This setup looks better than the sentiment of the investors.

Nifty 50 went down by around 10% in March’26. One of the sharpest falls in a single month. FPIs sold shares worth 1.22 lakh crore (around $ 13 billion) in a single month. Generally, after the sharp fall, recovery in the equity market starts. I expect next 2, 3, or 5 years are likely to be robust for equity returns.

@Cryptified_Soul Investments shouldn't be treated as battles, but as seeds to water.

In X people take investment as fight or a challenge The sooner you take investment as investments you will be more productive and less worried. To me they are not something I am aiming for next month, I am aiming to be wealthiest by next decade.

@Cryptified_Soul The slow grind is psychologically harder than the crash.

In crash you will see circuits In this market you won’t see circuits but a slow downside, this is the market where everyone loses hope. Everyone can face a crash but only few survive sideways. Trust me the upside will be equally awesome

@kendheswapnil Numbers with Context is the real advice.

A software engineer client says, “I want to start a homestay business in Kerala.” A superficial reading may lead an adviser to say: “You are a software engineer. You don’t have enough liquid assets to fund even Phase 1 (₹3 crore+). Don’t do this.” But go deeper. This has been a long-standing passion project. His entire maternal family is in the hotel business. He’s not a novice. There is support infrastructure available. And the potential inheritance is large enough that even if the entire ₹3 crore goes down the drain, he would still remain financially free. Now the question changes. Not: Should he do it? But: How should it be funded?

@Cryptified_Soul INR depreciation is ~4-5% annually over decades. But Nifty has delivered ~13-15% CAGR in that same period. Net real return in USD terms? Still meaningfully positive.

Why someone will not go to US for a great life? Even if you are in cash you are still beating indian market. USDINR has been the joke of many decades. There is no shit currency other than USD INR Economy is growing but currency is moving downhill

@Cryptified_Soul Accumulate despite the fear. That's the only way to get alpha.

If you are not accumulating your SIPs right now then you will never be able to accumulate it. FEAR wont let you to

@AdityaD_Shah You will not make returns if you wait for all clear signals.

Everytime ur scared by his war, Remember, we came back from the deadly COVID-19 pandemic, The stock market and many business will move on from here, This price correction is an excellent opportunity!

@Keval_IM Term insurance is the most underpriced financial product in India.

Biggest leakage most people have in their investment is money back insurance . They mix investment and insurance and got very low life cover also. If you buy term plan very early this leakage can be stopped. I have 75 lac term plan with 4764 Per year premium Comment how much premium you are paying for money back policy for similar cover #investing #india

@Cryptified_Soul This is exactly how market sentiment works: fear at the bottom, confidence returning only after prices recover. The "Mutual Fund Sahi Hai" people who stayed invested were right all along.

Now it’s time to actually start saying Mutual fund sahi hai and start the investment. Now am no more worried about mutual fund sahi hai people!

I lost my account with over 440,000 followers. And, X hasn't been helpful so far. My account @Akshat_World has been hacked. My team has tried to coordinate with X support. But, it just keeps hitting a bot. We are clueless at this point how to approach this further. It had taken me several years to build this account. Not sure if I will ever get it back. Just hoping that good folks would help me escalate this. @elonmusk @nikitabier Thank you :)

@Hisabhkaro 5,000 SIP. Term insurance. Emergency fund. No lifestyle debt. None of it looks impressive at 25.

Your 20s will feel slow. Your 30s will feel like catching up. Your 40s will feel like everything is finally clicking. But only if you use your 20s to build, not to impress. The people who look successful at 40 made boring decisions at 25.

@Hisabhkaro Macro awareness isn't optional for serious investors.

When crude goes up: Petrol goes up. Logistics cost goes up. Everything you buy goes up. Company margins go down. Stock prices go down. Your portfolio bleeds. One commodity. This much damage and people still dont track oil prices.

@sanjaykathuria Emergency fund first. Insurance second. SIP third. Most do it in reverse: invest aggressively, stay unprotected, and redeem everything when life sends the first real bill.

Your emergency fund is not extra savings. It is the only thing standing between you and a financial disaster you never saw coming. Most Indians don't have one. Here is exactly when you actually need it. 🧵 1. INCOME INTERRUPTION The most common emergency nobody prepares for. Your salary stops. Job loss, delayed paycheck, reduced hours, freelance income gap. It happens without warning and without mercy. Without an emergency fund you are one missed salary away from breaking your SIP, taking a personal loan or calling a relative at midnight. 3 to 6 months of expenses sitting liquid is the only thing that keeps your financial plan intact when income disappears. 2. MEDICAL EMERGENCIES Health does not send a calendar invite. Hospital visit, urgent surgery, medications, unexpected tests. A single medical emergency in India can cost anywhere from ₹50,000 to ₹5 lakh without warning. Health insurance covers hospitalisation. It does not cover the 10 other things that break financially around it. Your emergency fund fills that gap. Silently. Without putting you in debt. 3. HOME AND CAR REPAIRS Your roof leaks at 2am. Your car breaks down on the way to an important meeting. These are not optional expenses. They need fixing immediately. And they never come at a convenient time. Without emergency savings, a ₹30,000 repair becomes a credit card swipe you spend the next 6 months paying interest on. With it, it is just a Tuesday. 4. ESSENTIAL DEVICE REPLACEMENT Your laptop crashes. Your phone stops working. Your work equipment fails. In today's world your device is not a luxury. It is your income source. Every day without it is a day you cannot earn. An emergency fund means you replace it in 24 hours. Not 24 EMIs. 5. WHAT IT IS NOT Your emergency fund is not for vacations. It is not for the sale you could not resist. It is not for the concert you really wanted to attend. It is not for the upgraded phone that came out last week. The moment you use it for wants, you have no protection for needs. Discipline around this fund is not optional. It is the entire point. THE BOTTOM LINE Most people invest before they protect. They build a SIP portfolio with zero emergency buffer. Then one crisis hits and they redeem everything they spent years building. The emergency fund is not the most exciting part of personal finance. It is just the most important one. Build it first. Invest after. That sequence is non negotiable. The goal is simple. Sleep well at night knowing one bad month cannot undo years of progress.

@Hisabhkaro Every month of delay is the most expensive decision a young investor makes.

A 25 year old starting a 5000 rupee SIP today will have more money at 50 than someone starting a 25000 rupee SIP at 40. Thats not motivation. Thats just math. Start now. Not when you earn more. Not next month. Now.

@BaluGorade The hidden return most Indian investors ignore completely.

USD is up 30% over the last 5 years. Compounding at 5% CAGR. 🙂