Nalin Moniz

The best listing of our lives. A precious gift we will hold on to forever. Thank you for all your blessings & wishes. We are truly blessed with this boy ❤️

To: Admitted Students on Ivy Decision Day From: UATX Congratulations. Getting in was hard and you should be proud. Now here’s some unsolicited advice so you don’t waste the next four years. Go to class. We know this sounds obvious. But as the New York Times reported recently, Harvard students routinely skip class, rarely speak up when they're there, and focus on their devices instead of the discussion. Faculty say few students do enough preparation to contribute meaningfully. The average college student spends about 20 hours a week on class and studying combined. At UATX, we aim for 50. That’s the difference between a part-time commitment and a full-time job. You (or your parents) are about to spend upwards of $90K a year. If you don't show up, you're paying roughly $250 per skipped lecture for the privilege of sleeping in. Read the books yourself. Your generation is the first to arrive at college post-literate — raised on short-form video, dependent on algorithms, and increasingly incapable of sitting with a difficult text long enough to let it change your mind. Ninety percent of college students use AI academically. This makes you more reliant on the authority of others. Most professors will also stand between you and the text. They’ll tell you what Marx “really meant,” what Aristotle “failed to see,” as though an academic in 2026 has outsmarted minds that shaped civilizations. The good professors do the opposite: they put you in front of the book and they work with you to find what a great mind has to teach us directly. Find those professors, and read everything yourself. Say what you actually think. Seventy-three percent of conservative students report withholding their political views in class out of fear their grades will suffer. Our advice isn't political; it's intellectual. If you spend four years learning to say what's expected instead of what's true, you’ll graduate roughly where you started — just older, more credentialed, and more practiced at self-censorship. One study finds that nearly half of students show no measurable gains in “critical thinking” after two years in college. Keep this in mind as you make decisions about which professors to take and how to do your assignments. Taking a small hit on your paper to gain integrity and wisdom is usually worth it. Ask for real grades. Sixty percent of Harvard undergraduate grades are now A’s. Twenty-five years ago, it was 20%. It got so bad that the legendary Harvard professor, Harvey Mansfield, started giving students two grades: the official one for their transcript, and a private one reflecting what they actually earned. He called the official grades “ironic.” So here's a suggestion: Take your A, but also ask your professors for a “Mansfield grade” so that you know where you stand. And don’t avoid difficult courses to keep your transcript clean for law school. Get work experience before you graduate. Forty-two percent of recent college graduates are working jobs that don't require a degree. Many employers are projecting the next few years to be the worst college grad job market in years. A degree alone — even from an Ivy — is not a job guarantee. Seek out apprenticeships, internships, and real work starting freshman year. The students at UATX are connected with entrepreneurs and business leaders from day one. Many will graduate with four years of work experience alongside their degree. You can build something similar at your school, but you'll have to do it yourself. Understand how debt shapes your life. If you're paying full freight or even half, do the math with your eyes open. Your decision to take on debt will quietly reshape the trajectory of your adult life through countless small surrenders: the job you take because it’s safe instead of starting the company. The city you choose to live in. The relationship you delay and the kids you don’t have. For women, a $1,000 increase in student loan debt lowers the odds of marriage by 2% per month in the first four years after graduation. None of that shows up in the college brochure. If you're going to take on debt, treat it like the constraint it is from day one: save aggressively and make sure every dollar is buying something that will actually compound in your favor. Find the people who take school seriously. The best thing about a great school isn't the lectures or the library. It's the handful of professors and students who are genuinely there to learn — who read ahead, argue in good faith, and push you to be sharper. Find them. UATX is a small community of those who seek a serious education. At a larger university, you have to build this community yourself. * The most dangerous thing about an elite university is that it is very easy to do nothing for four years and still come out looking successful. The transcript will say you excelled. The diploma with the fancy crest will open certain doors. Your parents will be proud. And yet you will have coasted — through inflated grades, unread books, and borrowed opinions. Getting in is an accomplishment. Making the next four years worth it will be harder, and the right decisions will change everything. We wish you luck.

Truth is stranger than fiction!

Congratulations to the entire @EdelweissMF team!

We would be honoured to have you as a unit holder.

@iRadhikaGupta @BlueDart_ - Valentine’s day flowers were not delivered because @iRadhikaGupta was not available for a OTP. 🤭

Glad this new OTP menace has been highlighted. Delivery companies call for OTPs at arbitrary times of the day, and for some reason if the person cannot take a call, a parcel is gone. I have lost many because I was in a meeting, playing with my kid or doing something that involved not having a phone in hand. Let the OTP be optional delivery folks.

@raheja_hitesh @ppfasgift can provide detail

@nalinmoniz True. What will be the underlying ETF/Fund for both? I believe there will not be any churn so there will not be any tax implications for the fund

Simplicity & diversification at its best. And you can start small and scale up over time.

@vijaythirumalai Thank you for your kind words Vijay

As they say, play long term games with long term people Been working with @nalinmoniz on a few opportunities, Nalin is one of the most thoughtful, sharpest investor out there. PPFAS is the best in class house. Can't think of a better partnership PS: Love the way you ended with seeking blessings from Parag Bhai. Upwards🚀🚀

I have been an investor in PPFAS for over a decade & so this feels like a homecoming to a family I’ve known for a long time. Seeking Parag-bhai’s blessings on Day 1. I hope to live up to his legacy in my own small way. @npparikh6 @RajeevThakkar @oraunak

@PPFAS is the gold standard for long-term excellence, rigour & thought leadership in investment management. And also for a strong culture of simplicity, transparency, ethics & respect. I’m delighted to have the opportunity to work with the entire team to build something iconic.

Thank you @deepigoyal for inspiring a generation of founders. It is insanely hard to lead a company from startup to the Nifty in 18 years. Excited for your next moonshot.

The SENSEX tells the story of a nation. My tribute to one of India's most honest storytellers as it turns 40 in Business Standard today.

Iconoclast 💔 There is no better way to remember & describe Siddhartha Bhaiya - an investor & thinker in a league of his own. He set a standard that few can only dream of. Praying for his family & the Aequitas team at this difficult time. Om Shanti 🙏

Your wealth is your first startup! You’ve built it with vision, discipline, and hard work. Just like a founder builds their first startup. Now scale it with the right co-founder to unlock its true potential. We are Ionic Wealth, #YourWealthCoFounder.

Sad state of Indian sports Today for the 1st time, Goa was hosting an Oceanman - the premier open water swimming competition The race was sabotaged midway by fishermen endangering the lives of 100s of swimmers including many children Long way to go to host intl sporting events

. @ionicwealth was founded in 2024 on a core belief: the future of wealth management is not just digital, but truly Omni-channel. That conviction is now backed with outcomes: we have reached ₹6,100+ crores in AUM, 1,250+ clients pan India and a growing team of 200+ believers.

@rainnr1986 @ankitapathak_ Please DM me your number. Will get in touch

@ankitapathak_ @nalinmoniz Hi.. just watched YouTube video about Global Innovation Fund at Ionic Wealth in Gift City.. I tried to give contact details in your website ionic.in but looks like its only taking Indian mobile number...how do we reach to your team

@uptickr @QuirkyLogic @ActusDei @RemindMe_OfThis Fully agree. Cost has to be < 1,000 Rs; validity should be 5 years; registration almost instant

@nalinmoniz @QuirkyLogic @ActusDei @RemindMe_OfThis That'll need the registration process to become easy and the validity period to be longer. Too much friction right now.

Today SEBI notified Accredited Investor only AIFs. These funds can not only take investors at a lower minimum (10 lakhs?) but will also not have a cap on 1,000 investors. Together these create a huge opportunity for retail investors to access alternative investments @ActusDei

@uptickr @QuirkyLogic @ActusDei The number of AIs will explode in the next 2-3 years. @RemindMe_OfThis

@nalinmoniz @QuirkyLogic @ActusDei Are there even 1,000 accredited investors in all of India?

@QuirkyLogic @ActusDei They didn’t earlier because the large opex of running a fund meant you couldn’t fill it up with small investors. Removing the 1,000 investor cap changes everything.

@nalinmoniz @ActusDei I think issue is more that not many PMS AIFs lower limits for Accredited Investors so not sure what the benefit of it would be.