BayFolio

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BayFolio

BayFolio

@bayfolio

Your trusted #mutualfund investment partner for hassle-free investing: • Read 👉🏼 https://t.co/FhXuKTMbJK • Rate 👉🏼 https://t.co/PdtEPKPAqt • Watch #buildingbayfolio

Kerala Katılım Ekim 2023
153 Takip Edilen126 Takipçiler
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BayFolio
BayFolio@bayfolio·
Our guiding principles: → 100% Fee Transparency (We will disclose what we get from the AMC upfront, so you know we are not pushing high commission funds.) → We will NOT push an NFO (We know NFOs are incentivized to build the book of AMCs, but you can buy after listing.) → We will NOT chase/spam you for investing. (We will ask once, and then that's it. We do not have sales targets. Asking more than once is a sign of begging.) → We will NOT ask you why you are withdrawing funds. (It's your money, you can do whatever you like with it.) → We will be truthful with you. (In good times, and in bad.)
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Jose Paul Martin
Jose Paul Martin@jpmartin·
When markets are volatile, the most powerful edge for a mutual fund investor is time in the market, not timing the market. In one example, Niraj who started SIPs in 2012 and never sold even during corrections still earns a double-digit XIRR after many ups and downs. Volatility, doubts and temporary regret are the fee you pay for good long-term returns, not a fine to avoid. As long as your goals are long term and the fund is not fundamentally broken, you usually don’t need to sell just because markets have corrected. Selling in fear often leads to missing the recovery and restarting at higher levels; staying invested lets compounding do the heavy lifting over time. #portfolio #sip
Niraj Dugar@contliving

People will tell you that they never ask you to sell. My question is why sell if you don't need the money for a long time? Just as an example, this is one of the oldest funds in my portfolio. Started SIPs in 2012. You can see the transaction dates. The portfolio XIRR is 13.61%, even after the current correction. Not a single unit sold till date. That's the point of long term investing. You read multiple books. Think you are smart and will follow the principles of the book but get carried away with news and people peddling their own agendas during such markets. What did Morgan Housel say in Pyschology of money? "Define the cost of success and be ready to pay it. Because nothing worthwhile is free. And remember that most financial costs don’t have visible price tags. Uncertainty, doubt, and regret are common costs in the finance world. They’re often worth paying. But you have to view them as fees (a price worth paying to get something nice in exchange) rather than fines (a penalty you should avoid)." "If you want to do better as an investor, the single most powerful thing you can do is increase your time horizon. Time is the most powerful force in investing. It makes little things grow big and big mistakes fade away. It can’t neutralize luck and risk, but it pushes results closer towards what people deserve."

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Jose Paul Martin
Jose Paul Martin@jpmartin·
To put it in perspective: 2026 so far: Nifty50 ~ -14% Midcap ~ -22% Smallcap ~ -25% 2008-09: Nifty50 -59.9% Midcap -69.6% Smallcap -77.5% We are roughly at 20-25% of 2008 pain levels. Still early on the pain scale. The real test is if this extends another 6-12 months and crosses -30% territory.
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BayFolio
BayFolio@bayfolio·
A family we know had planned everything. Term insurance. Investments. Nominees in place. They had done the work most families skip. Then their father had a severe stroke. He was on life support. No chance of recovery - the doctors knew it. But nobody had spoken about what he would have wanted. One child said stop. Another said keep going. What followed wasn't just grief. It was conflict, guilt, and a family that didn't survive the disagreement. A Living Will - one document, signed in advance - could have changed everything. The Supreme Court of India has made it legal. It doesn't require much. But most families still don't have one, because nobody brings up the conversation. We wrote about it. Not to be grim - but because the families who've been through this without one always say the same thing afterward: "I wish we had talked about this when there was still time." Link below. Worth 5 minutes of your time. 👇 bayfol.io/living-will-am…
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BayFolio
BayFolio@bayfolio·
"You must be the change you wish to see in the world." - Mahatma Gandhi #QuoteOfTheDay
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Kuvera
Kuvera@Kuvera_In·
Oil prices don't just react to war—they anticipate it. 🛢️ From the 1973 embargo to the 2022 invasion of Ukraine, geopolitical conflict remains the ultimate price catalyst. This chart breaks down 50 years of volatility and the real impact on global supply. Key takeaway: High prices often outlast the initial shock.
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Value Research
Value Research@ValueResearch·
Many mutual funds now hold new-age stocks in their portfolios. But only a few funds have allocated a large portion of their portfolios to them. This tells us that fund managers continue to approach these companies with measured and cautious positions.
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BayFolio
BayFolio@bayfolio·
As an MFD, we want to ensure we protect your downside. We have the belief that if we take care of the downside, the upside will take care of itself. This is based on the SLR Framework: S = Safety L = Liquidity R= Returns In that specific order. If you reverse the order, you could be asking for a headache!
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BayFolio
BayFolio@bayfolio·
Quite often we get asked by clients, about investing in #smallcap mutual funds - our default answer is NO. Here's why... 👇🏼
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BayFolio
BayFolio@bayfolio·
No More.
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BayFolio
BayFolio@bayfolio·
@InvesysCapital Which would you pick? 1) SBI Energy Opportunities Fund 2) ICICI Prudential Energy Opportunities Fund 3) Motilal Oswal Nifty Energy ETF 4) Mirae Asset Nifty Energy ETF
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Zafar Shaikh
Zafar Shaikh@InvesysCapital·
What are you buying on gap down? I have just one idea. E N E R G Y
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BayFolio
BayFolio@bayfolio·
At this rate @nsitharaman and @nsitharamanoffc should be worried that AI is going to cause a collapse in tax collection very soon because there are not enough white collar tax payers contributing to the economy! :D #tax #ai
Christophe Barraud🛢🐳@C_Barraud

🌎 Citrini Research just dropped a provocative thesis: ⚠ We’re heading toward a “2028 Global Intelligence Crisis.” ⚠ ➡ The core idea? AI is making intelligence abundant — and the global economy isn’t built for that. Here’s the breakdown 👇 1/🧠 AI agents are removing friction everywhere. *By 2026–27: • Autonomous AI handles shopping, taxes, insurance, legal work • Commerce shifts to automated optimization • Industries built on complexity & information asymmetry collapse 2/💼 White-collar displacement accelerates. AI replaces knowledge work → Displaced professionals move down the wage ladder → Labor supply rises → Wages compress across sectors. *This spreads beyond tech. 3/🏢 SaaS & private credit are exposed. Many leveraged software deals assumed perpetual growth. But AI reduces demand for service-heavy SaaS. *Results: • Downgrades • Defaults • Risk repricing 4/🏠 Households weaken quietly. Prime borrowers still pay mortgages… But they’re tapping savings & credit. Income compression → Spending slows → Debt-to-income rises. 5/ 🔁 A negative loop forms: AI → layoffs → lower income → weaker demand → more automation → repeat. At the same time: Income stress → tighter credit → weaker wealth effect → slower economy. 6/ 🏛 Governments face structural strain. Tax systems rely on labor income. AI shifts income toward capital & compute. Less payroll tax. More pressure on safety nets. ⚠ The big idea: For 200 years, human intelligence was scarce. Now it isn’t. The report argues we’re entering a painful repricing as “intelligence premium” unwinds. Not necessarily collapse — but transition. Agree or not, the thesis is clear: AI isn’t just a tech cycle. It’s a macroeconomic restructuring event. Worth thinking about. *Link: citriniresearch.com/p/2028gic

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BayFolio
BayFolio@bayfolio·
@financialsarthi @iRadhikaGupta That's a bit exaggerating. Not all MFDs are like that. At least you get to see the results transparently after a year. The NAV will tell you whether they are performing or not - then you can decide. Can the same be said of other financial players?
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Radhika Gupta
Radhika Gupta@iRadhikaGupta·
A conversation at the airport today. ----------- Person: I have stopped investing in MFs. Me: Why? Person: Returns nahi bane. Maybe the funds were wrong. Me: I see. Person: Aapki company mein what is the best fund? Best returns wala? Me: Actually you shouldn't just look at returns... Person: No no, but tell me which fund has given best returns? Me: Midcap fund. Person: Kitna return milega? Me: 10 year returns have been 18%. 5 year returns have been 20%. But this is historical. Person: 20% is excellent. Lekin anything which can do this in 1 year? Me: Speechless. --------------- 20% returns with 2% patience. Mutual fund hai, magic fund nahi.
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BayFolio
BayFolio@bayfolio·
Before 2018, cleaning up portfolios & exiting underperformers was recommended. Selling was tax-free, so why not? The LTCG tax changed the equation. Every exit now costs you 12.5% on gains. That's real money leaving your portfolio! We hope @nsitharaman & her @nsitharamanoffc understand this important middle class wealth building aspect.
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Nithin Kamath
Nithin Kamath@Nithin0dha·
If you think the Indian markets are speculative, the US markets will blow your mind. It's pure speculative mania there - you can bet on literally anything. Options on every asset imaginable, crypto markets 24/7, sports betting, weather derivatives, and political outcomes through platforms like Kalshi and Polymarket. In a sense, every aspect of American life has been gamified and turned into something you can bet on. This is probably why the govt increased STT? 😬
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BayFolio
BayFolio@bayfolio·
"Our economists expect India’s economy to grow at an average of 6.5% between 2025 and 2030. Their 6.3% forecast for 2025 is 40 basis points below a consensus of economists surveyed by Bloomberg."
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Famy ⚡
Famy ⚡@FamyRasheed·
⚡How Multi Asset Mutual Funds are positioning themselves across precious metals. 🥇 Gold exposure (December) • DSP Multi Asset – 10.38% • Nippon Multi Asset – 10.05% • Aditya Birla SL Multi Asset – 9.68% • ICICI Prudential Multi Asset – 7.16% • Kotak Multi Asset – 5.38% • SBI Multi Asset – 3.25% 🥈 Silver exposure (December) • Kotak Multi Asset – 13.91% • SBI Multi Asset – 7.38% • Aditya Birla SL Multi Asset – 6.76% • DSP Multi Asset – 4.59% • Nippon Multi Asset – 4.22% • ICICI Prudential Multi Asset – 0.35% • WOC Multi Asset – Nil The message is clear: ✔️ Gold continues to play the role of portfolio stabiliser ⚪ Silver is being used as a higher-risk, higher-return lever 📍 Different funds are blending the two based on their mandate and risk appetite
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BayFolio
BayFolio@bayfolio·
@_soniashenoy Fear & Greed... how the markets have been working for decades. Give it a few weeks/months.
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Sonia Shenoy
Sonia Shenoy@_soniashenoy·
GIFT nifty now up 1000 points Sentiment is everything in the markets The market needed a win, especially after a really rough, slow patch. The US-India trade deal is an economic and diplomatic win for India, for now, lest things change again. Negotiating an end to punitive U.S. tariffs, ending up with a better rate than competitors such as Vietnam, is a major diplomatic and economic win for the government. end of the day what matters for India is how it’s positioned compared to economic competitors. That India has bagged a lower tariff rate than its South Asian competitors is what matters in today’s context. A favorable deal means more certainty on exports and revenues which the markets love Foreign investors thrive on strong trade relationships A stronger rUS-India relationship means geopolitical alignment , policy stability and lowers the risk of sudden trade disruptions.
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BayFolio
BayFolio@bayfolio·
Nicely summarized!
Deepesh Raghaw@deepeshraghaw

A few clarifications on change in SGB taxation Selling your SGBs on the secondary market before April 1, 2026 won’t help save taxes. Because sales in the secondary markets are taxable even now. At your marginal tax rate for holding period < 1 year. At 12.5% for holding period > 1 year. Yes, if your SGB is trading at a sharp premium, you can benefit from price deviation by selling in the secondary market. You will not get any tax benefit. Capital gains will be taxed. Buying SGBs in the secondary market won’t help either. Why? Because you buy SGB in the secondary market, you have no way out. Your gains on maturity, surrender during premature withdrawal window, or secondary market sales will be taxed as capital gains. If you bought SGBs during primary issuance, you do not have to worry. You can avoid paying taxes by simply holding the bonds until maturity. As I understand (but am not sure), the only SGBs (bought in the secondary market) that are still exempt from capital gains are those: 1. Are maturing before April 1, 2026 OR 2. That have premature withdrawal window available before April 1, 2026, and you redeem those bonds with RBI during that window. #Budget2026 #SGBs #Gold

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Keşfet

@InvesysCapital @nsitharaman @nsitharamanoffc @financialsarthi @iRadhikaGupta @Nithin0dha @jpmartin @elonmusk