Atul Kumar | Personal Finance 🇮🇳

Hi, I’m Atul. 10+ years exp in helping Indian families build wealth through: • Mutual funds • Insurance planning • Smart credit card strategies Sharing simple insights on investing, SIPs and money management. Follow for practical money lessons.

@Shreyasian96 Is br PBKS se no panga bro😛

If Sanju fails, Ruturaj is there If Ruturaj fails, Mhatre is there If Mhatre fails, Brevis is there If Brevis fails, Kartik is there If Kartik fails, Shivam Dubey is there And they have thala as mentor, it's over for PBKS nation 😔💔

@ankitXtech Same here. Got 3 iphone 17 pro till now in last 4-5 months 😍

Here’s how to get the cheapest iPhone 📱 Step 1 — Find a friend who works at Apple Step 2 — Ask them to order it for you from the US (preferably a no-tax state) Step 3 — Enjoy your iPhone at a ridiculous low price Here’s the math 👇 iPhone 17 Pro Max (1TB) 🇮🇳 India → ₹1,89,900 🇺🇸 US → $1599 → Apple employee discount (~15%) → ~$1360 → ~₹1,26,000 (assuming no tax state) 💥 Difference = ~₹64,000 That’s ~34% cheaper Try beating that with any credit card optimisation 😉 PS: Having a friend at Apple is my real “premium card” 🤣

Late night thought: Your future wealth depends more on consistency than intelligence. Markets reward discipline quietly.

@MoneyMystery Kejriwal was doing it in Delhi.

Does any political leader have the courage to strongly raise their voice against the rising loot in private school fees? Side effects: The trend of having only one child is creating a dangerous population mismatch and demographic imbalance.

@AmitabhaDash Yes correct

@atul1602 1st option out of 3

According to me, 3 ETFs—Bank, FMCG, and IT—are at COVID levels. But which one will actually perform well? Honestly, none for now. We’ll get the real answer only when the market starts its upward journey.

P/E below 5 year average does not guarantee bottom. But it has historically improved 3–5 year return expectations. Good zone for gradual allocation.

@RamanRjha4647 How much is the cost of X premium ? Did u take yearly or monthly plan ?

𝐃𝐚𝐲 11th 𝐨𝐟 𝐗 𝐩𝐫𝐞𝐦𝐢𝐮𝐦 Just hit 1M impressions as well as 1K verified connections too🥳 No hacks. No luck. Just showing up every single day. Grateful for this amazing community over here 🙏

@Twiter17358221 I see 1600+ now..nice. Have an amazing year of growth ahead.

1500 followers!!! 🎉 Thank you to each one of you for following, engaging, supporting & tolerating my cricket rants 🌚 Grateful for this little community. 🙏 Jo mujhe follow nahi karte… give it a try. Follow pe click karne se charges nahi lagenge 😊 #KKRvsSRH

@therahul4402 @AFitTrader Will it work better ? Since when you started and how much it took to reach 1k ?

@AFitTrader Reply more post less

One advice you would give to someone trying to grow on X ?

@anhad_virk @AFitTrader By consistent means regular posts ? 2-3 per day ?

@AFitTrader Just be consistent.

@itamiOshiranu @jpmorgan All the best for the new phase. How's your experience working with JPM ?

Today marks the end of 2 years and 8 months of my arc at @jpmorgan , being my first job this place shaped me, made me into a finer engineer day by day. Blessed and overwhelmed ❤️ Laroia, Mitali Signing off!

@DanielSmidstrup @Still_learner Exactly..let's support each other. I have started and under 420.

@Still_learner Aren’t most under 42K :D, but if we can all support each other, that is always a good thing, I think.

I'm blowing small accounts If you’re under 42K reply and I'll boost you 🚀

@KalpenParekh True. Every cycle has a convincing story. Valuations decide the ending.

Jan 2000 Tech stocks have only one direction : UP India’s software companies will dominate global markets in the new millennium Tech stocks feel unstoppable I FELL FOR GOOD STORIES - invested Next 18 months, the tech fund I invested in dropped 80% Jan 2008 Large caps had run up 7 x in last 4 years Small caps 15x India was growing at 10% We were dreaming of overtaking China I Invested again. In Infra fund and many infra stocks. A wise man said sell infra stocks and invest in these pharma stocks (had gone no where) I invested in that one pharma stock and said - I’m wiser - I’m a long term believer of the infra story - shouldn’t sell Next 12 months, infra fund fell 70% As of today, the pharma stock is 90% of the stock portfolio. Not because the pharma stock did well. Because all other infra stocks (poor quality - poor governance) lost 90% These two are my most defining mistakes in investing Thankfully, on small pool of money. Since then, stopped reading narratives that sound intelligent, interesting and popular All that matters is - don’t want to lose hard earned money stupidly by blind faith investing Respect valuations. Respect quality. Respect luck. Avoid greed of past returns and envy for others returns. Accept the truth that most things are unknowable

@Sandeep_Majj When retail loses interest, smart money starts building.

2013-14 and 2019-20 have been fantastic years to buy small and midcap names and currently we are very near to those levels High probability of 2026 being one such year where you would want to buy more !! #IndianMarkets

@stockifiabhijit And sometimes the best move in investing is… not moving.

Investment is not like football, where team work is required. It is like a game of chess, best played by a single player.

@SejalSud Markets reward calm minds, punish impulsive ones.

You can solve most problems in life It’s all momentary The only thing you need is a calm mind!

@BasantBaheti3 इंसान सस्ता नहीं - उसकी purchasing power सस्ती हो रही है.

महँगाई और शेयर बाज़ार दोनों बढ़ने वाले है ! सस्ता होने के लिए अब केवल इंसान ही बचा है !

Funny thing about markets: When they fall → people want certainty When they rise → people want momentum Wealth is created by those who invest in both phases. #WealthCreation #wealth #MarketResearch

@amit_code Personal finance and credit cards.

Weekend is here. Let’s connect with people in your favorite domains.. tech, finance, or anything you’re passionate about. Drop your interest in the comments, find your people, and grow together..