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I recently read "Investing For Growth" by Terry Smith. These are my key takeaways.
@dmuthuk @Vivek_Investor @FI_InvestIndia @DividendGrowth @larissafernand
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Fiscal Sapien
3.3K posts
Fiscal Sapien
@fiscalSapien
Everything about life and money.
Katılım Şubat 2018
826 Takip Edilen207 Takipçiler
My friends have 80% portfolio in Real estate. I have 99% portfolio in equity.
Am I doing it wrong?
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@contrarianEPS Sparta! Get ready to buy TCS and Infy today.
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2019: Power/Pharma Sector is statistically cheap. Never buy a stock for sheer cheapness. It is just 7-8% growth rate. It is a dead sector
2020: ITC is statistically cheap. Never buy a stock for sheer cheapness. It is just 7-8% growth rate. It is a dead stock
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Actually, it doesn't. It's all about judging which way your asset allocation should be tilted. More gold or EM or developed or agri or semis or industrial metals etc.
One cannot dumb down what is a very complex game and that is why almost nobody makes risk adjusted adequate returns save for the very skillful.
Best for Indians is Gold, Corporate debt, FDs, raw land.
Nothing more
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It always boils down to asset allocation.
FG-HUM Smallcase@fghumsmallcase
Are you confusing what you invest in with how you invest? An Equity Mutual fund CANNOT be compared directly with a Gold ETF Mutual fund versus PMS versus AIF is NOT the decision to make Surprised? @DevinaMehra explains these common confusions and how smarter investors think clearly. 👉 Read the full article, link in the thread below. @LiveMint
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Fiscal Sapien retweetledi
A timeless summer drink from Odisha
Tanka Torani—cooling the body, nourishing the gut, and carrying generations of tradition in every sip.
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Fiscal Sapien retweetledi
@BaluGorade I think most of you didn't listen to him properly and mistook.👏
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Ridham Desai says reading books is a waste of time.
Personally, I have gained a lot from reading.
Surprising.
x.com/NDTVProfitIndi…
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@Vivek_Investor No.They also make money. There is no proof that they don't make money.
In the bull market, any strategy will make money. In bear market, no strategy makes money.
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@themiz235h @iamrakeshbansal Not good as most of them are equity heavy or do something silly
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@iamrakeshbansal What about multi asset funds? They do the trimming for us right
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Absolutely agree boss 🙏
For SIP, choosing the right asset is most important — not chasing high volatility.
Nifty Midcap & Smallcap SIPs are not my cup of tea at all for SIP. Showing their recent poor rolling returns is like highlighting FDR returns of a failed co-operative bank where investors' money got stuck. Comparison must be reasonable & practical, Ashu ji.
On similar parameters:
✅ Nifty 50 ETF — stable ~12-13% CAGR over 5+ years, much better peace of mind in recent 1-2 year windows
✅ Gold ETF — strong ~52-58% last 1 year, ~24-26% 5-year CAGR
Nifty + Gold combination is best for disciplined SIP — balance, diversification & lower stress.
Chasing mid/small cap volatility doesn't suit everyone. Steady & sensible always wins long term!
What do you think Ashu ji?
@ashumadan4
Ashu Madan@ashumadan4
And we say fixed income is bad
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@Iamsamirarora @F_Compounders The only thing common between you and Nalanda is that both of you are based out of Singapore 😎
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@F_Compounders This seems totally inconsistent with the philosophy of investing in companies for ever- every time CEO changes then u will reconsider or not. And if u do then philosophy should be we invest with good managements till they are there.
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Pulak Prasad’s (Nalanda Capital) letter to the FT
“I would like to point out that probably the only thing that matters in a company is the CEO.”
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It should rain heavily by this weekend.. if not definitely next week.
Bengaluru summers are short and May rains are predictable.
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@ParveenKr2025 @SridharanAnand @stocks_in If you are asking this question then you do not have enough knowledge on how the mutual fund industry works.. so yes do sip in index funds or hybrid/multi asset funds..when you get enough knowledge then you will know how to play.
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@SridharanAnand @stocks_in Oh really?? I being SNI ( Salary Net Income) should stop looking for best Mutual funds every six months and instead do SIP in few Index Funds? Seriously asking.
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5. HNIs ko pani puri ke thele pe jaana padta hai.
UHNIs ke pass panipuri waala thela leke jaata hai.
Abhishek Murarka 💹🐂@abhymurarka
I work in a Wealth Management company and we have two divisions - HNIs/ Emerging HNIs and Ultra HNIs. The 8-10 cr range is a HNI range and the the 50+ Cr is a median UHNI range. The lifestyles of a HNI and UHNI are very different: 1. We have an app for HNIs. For UHNIs, they just have to call and people meet at their disposal :) 2. For HNIs, Relationship managers arrange IPL match passes, for UHNIs, they get invites for VIP Gold Lounges. 3. HNIs are looking for stock ideas. UHNIs get preferential access to hot start-up deals and exclusive global ideas (example: Anthropic, SpaceX pre-IPOs). 4. HNIs are dining at a new plush restaurant. The UHNI is a hosting a gala night at his pent house. This list can continue, but the core point is - Money attracts money and the chase never ends (except for a very few who break the mould and choose contentment).
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@rustapharian Agree. Most people think alpha means choosing the next hot stock. Alpha can be generated by doing things you mentioned.
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there will always be alpha. in the simple things (asset allocation, rebalancing, low correlated bets) done well and over long periods of time.
i see it differently, and i run my portfolio on the same beliefs
no one wants to do the simple things. they are boring. chasing the next hot trend is more fun 🤷🏼♂️
alpha doesn’t scale indefinitely. and lots of managers in the hunt of ever larger AUM to manage lose sight of it.
Sarath@nsarathc
+1. There is going to be no alpha. Even if it existed once in a long while, it goes to the fund manager (and distributor) as rightly suggested by Rick Ferri. Please stop the useless chase for alpha. Standardize equity holding on a broad-based m-cap index fund. Call it done.
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@Iamsamirarora In the initial days i thought both of you are the same.. since the same surname for both..but now i see both of you are north and south 😁
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If your investment process does not account for global issues, oil prices, interest rates, fx rates etc. you do not have an investment process.
Contrarian EPS@contrarianEPS
If your investment process gets affected by what's happens in Iran, you never had a process.
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@BaluGorade People ask for Xerox.
But the shop guy uses HP printer to get the photocopy.
People pay and leave the shop.
How did xerox make profit here?
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People don't ask for adhesive.
They ask for Fevicol.
Not waterproofing.
They ask for Dr. Fixit.
Not instant glue.
They ask for FeviKwik.
Not noodles.
They ask for Maggi.
Not toothpaste.
They ask for Colgate.
Not pain balm.
They ask for Zandu Balm.
Not UPI app.
They say PhonePe.
That's a real moat. 🔥
Any other such examples?
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