amit goyal

नरेंद्र मोदी जी, देश संकट में है टॉफी बांटना बंद कीजिए एक्शन लेना शुरू कीजिए

I entirely agree with @TanushreePande as she exposes how compromised large sections of Indian media truly are. Tanushree’s own reportage deserves space on mainstream media, but it doesn’t get it. You know why! You go, girl!

ये किसको निशाना बना रहा है..?

Tata has completely lost its service standards..It's been more than 7 days and no one has contacted me yet.. @tataplayfiber

@tataplayfiber Your team has closed the issue and not even reached out..This is completely pathetic

Tata play fiber is a complete scam..@tataplayfiber They don't reveal that their 1Gbps plan has a limit of 3.2 TB of data and their router doesn't support speeds over 300 Mbps To make matters worse, once paid they won't let you downgrade to other plans !! Complete fraud

There is still no update on this @tataplayfiber

@tataplayfiber is a complete scam don't take their 1Gbps plan They will not tell you that it has a Data limit of 3.2 TB and their router doesn't support speeds of over 300 Mbps Also, they don't allow changing the plan as well. Completely disappointed by Tata

@ravihanda @amitgoel78 What is the issue in investing with IND Money / Groww / Vested who has tied up with US brokers?

@amitgoel78 It became hard over last couple of years. There used to mutual funds for this.

Perhaps I am not able to make my point clearly or there are a few who are choosing not to understand. Is investing outside India a good idea? Yes. It is. Does it diversify the portfolio? Yes. It does. Does a weakening currency lead to better returns? Yes. It does. Does it help capture innovation across the globe? Yes. It does. Then what is the problem? Timing and process. While I agree in theory that no one can time the market accurately, it doesn't make sense to run after the shiny thing which has done great in the last year. There isn't an easy way to just buy the index / buy the world right now. Yes - convoluted mechanisms like Gift city and interactive brokers exist but they come with their own set of issues. All I am suggesting to do is to wait for the euphoria to die down. Now is not the time to start. Will make a slightly more detailed and nuanced video once the FIRE retreat is done. Really looking forward to the kalesh there and I promise this comes next. 😁

@ravihanda Indian markets have never outperformed US markets in any decade AI will only increase this gap and currency will continue to depreciate.. Not saying invest in US markets now, but keep building portfolio there and it should be as high as 50%

Next time someone talks about investing outside India, send him this video. Now is not the time to diversify / send money outside of India. Rupee has fallen drastically. US markets have moved up drastically as well. You are, unfortunately, too late. Don't give in to the FOMO. Stick to your plan. There will be a time when Indian markets will outperform US markets significantly. That is when you plug the gap, if any in your portfolio. May be it happens in next 6 months. May be after 5 years. You will live with this portfolio till you die. Don't make a decision on what happened in last one year. x.com/ronitper/statu…

Online banking is still not active 9 weeks now I have to keep doing some or the other process. @KotakCares @KotakBankLtd @jay_kotakone Never opening account / any other relationship with Kotak in future

@ravihanda Their stock market returns are even worse since 2008, so RE has still outperformed equity in long-run

No, this cannot happen in India, and here is why. First, look at the chart itself. It clearly says “Real Residential Property Prices for China.” The word “real” has a very specific meaning. It means the data is adjusted for inflation. It is not nominal pricing. In nominal terms, you are simply looking at prices over time. Once you adjust for inflation, the movement can look far more dramatic than what people experience on the ground. In India, you can debate whether real estate beats inflation or just about matches it, but even after adjusting for inflation, the gap is unlikely to be this large. A big part of what you are seeing in that chart is the inflation adjustment doing heavy lifting. Second, look at why this happened in China. There was massive overbuilding and excess supply. A large part of Chinese household wealth went into real estate because there were limited alternative investment avenues. This created a bubble over time. On top of that, developers were heavily leveraged. The Evergrande crisis is a good example of how stretched balance sheets had become. Developers relied on constant cash flow from new sales to service existing debt. When that cycle broke, the system came under stress. In India, leverage in the real estate sector exists, but it is far more controlled, especially after the NPA cycle that forced banks and regulators to become stricter. We have had issues, but nothing at that scale. There was also a strong policy intervention in China. The government cracked down on excessive borrowing through measures like the “three red lines,” which effectively cut off easy credit to developers. That accelerated the correction because the system was dependent on continuous refinancing. In India, policy has generally been more supportive of the sector. Regulation has increased through RERA and tighter lending norms, but there has not been a sudden, system-wide credit squeeze of that nature. Third, the demand side is very different. China is dealing with slowing population growth and the long-term effects of the one-child policy. That directly impacts future housing demand. In India, demographics are still a tailwind. Urbanisation is ongoing, household formation is increasing, and there is genuine end-user demand. You do not see large-scale ghost towns in India. There are pockets of excess supply and some failed commercial developments like underutilised malls, but nothing comparable to what China built. Fourth, the structure of the Indian market provides additional support. Real estate in India is still a preferred asset class due to tax incentives and cultural factors. Sections like 54 and 54F allow capital gains to be rolled into property. There are deductions on interest and principal for home loans. For years, policy has nudged people toward owning real estate. Even now, while tax changes may have reduced some advantages, the overall framework still supports ownership. Finally, there is the informal aspect of the market. A significant portion of transactions historically involved unaccounted money. That creates a different kind of price stickiness. It is not a clean, fully transparent market where prices adjust quickly to macro changes. The presence of this parallel component, along with the fact that many participants in the ecosystem have influence or long-term holding capacity, makes sharp corrections less likely at a system-wide level. Put all of this together and the conclusion is straightforward. The combination of inflation-adjusted data, China-specific excesses, policy shocks, and demographic headwinds explains that chart. India does not have those same conditions in place at that scale. Localised corrections or periods of low real returns are possible, but a broad-based collapse of that magnitude is highly unlikely. I am surprised someone as smart and astute as @rajeshsawhney missed this.

@KotakBankLtd @KotakCares @udaykotak @jay_kotakone I have not received any call..

It's been 7 weeks now and still the issue is not resolved. I am still unable to make online transactions @KotakBankLtd @KotakCares @udaykotak @jay_kotakone There is ZERO accountability by branch. Their only interest is in opening an account to complete their targets..

@kartik661 @ravihanda Real reason is that majority invest via a broker / bank RM / MF distributor who gets much higher commission for pushing active funds

@ravihanda 90% people in active funds would be richer in index funds But ego doesn’t allow that conversation. The real reason people hate index funds? No excitement No stories No bragging rights Just returns 😶

If you don't trust the fund manager, pick an index fund. If you trust the fund manager to generate an alpha over the index, let him do his job. I see this sort of questioning on PPFAS a lot more than other funds. Looking at such stuff monthly or evaluating every action doesn't make much sense.

@KotakCares Responded

@goyal_amit Hey!​ To expedite a resolution,​ please share the contact details via direct message. Thanks! ^Team Kotak twitter.com/messages/compo…

@udaykotak @jay_kotakone @KotakBankLtd Kotak Corporate Banking is really terrible !! It's been almost a month and online transfers are still not enabled @RBI How can banks open accounts without online transfers??

@ravihanda @ACKOIndia They actually don't, but maybe with your followers they might :) I also "tried" to use the insurance only once in the last 10 years. Hopefully you won't need it.. Anyways, Hazel Blue looks good 😊

To be honest, I'm not that worried in case something happens. First of all, something happening itself is kind of rare. I don't think I've used the car insurance many times in my life, but it can happen. It absolutely can happen, maybe once in two years, once in three years, sort of a situation. In case there is a problem, I do believe ACKO as a brand will have to worry about its social media reputation, so it should not be that much of an issue.

Hyundai Venue 1.2 Kappa MT Petrol HX5 Plus Paying ex-showroom and RTA of 11 Lakhs at the dealer. Zero Depreciation Comprehensive Car Insurance with Engine Protection and Return to Invoice (ACKO) for 20k. Hardest decision remains - which color to buy?