Deepak Agrawal, BE, CFGP®, AFGP® 🇮🇳

@BaluGorade You're already living in Swarg! 🔥

Today's morning walk. ❤️

@BaluGorade Study: WOC Multi Asset Allocation Fund

DSP Multi Asset Fund - > launched in 2023, managing ₹8,400 Cr in AUM > Maintains a low portfolio turnover of 5%, indicating a long term approach > Invested across 54 stocks with a diversified equity basket > Portfolio valuation is around 18x P/E, indicating balanced valuations > 50% allocated to equity, including 12% global exposure > 14% invested in gold as a hedge against uncertainty > 8% allocated to silver for additional commodity exposure > 5% exposure to REITs for real estate income diversification > 23% allocated to debt and cash as part of the multi asset strategy > 2.82 lakh investors are part of the fund All major asset classes in one fund. Among the better performers since launch. Anyone here tracking this fund? (Disc - Not invested. No reco)

@J_S_Gujral Oooo bhai bhai bhai bhai bhai 🔥

I won’t lie… Starting was the hardest part. 🔥 *100 Days Fitness Challenge – My Journey (70 Days Done, 30 To Go)* *I started this journey with pain, doubt, and zero motivation.* Every morning felt like a battle. Body full of fatigue. Mind full of excuses. I used to feel *extreme tiredness* even before the day began. Eating clean? That felt like punishment. Going to the gym daily? With body pain… it felt impossible. There were days I asked myself — “Why am I even doing this?” But deep inside, I knew… 👉 My goal was bigger than my excuses. 👉 Bigger than my pain. 👉 Bigger than my old version. So every morning, I pushed myself. Not because it was easy… But because I refused to stay the same. *💪 Slowly, Everything Changed…* What once felt difficult… Started becoming a habit. Discipline replaced excuses. Consistency replaced motivation. And today? 🏃‍♂️ I run 5 KM regularly 🏁 I participate in marathons 🔥 I feel stronger than ever before But the biggest transformation is not just physical… ✨ *What Fitness Gave Me* ✔ My body came into shape ✔ My confidence went to another level ✔ My thinking became sharper ✔ I started getting new ideas ✔ My energy completely changed Fitness didn’t just change my body… It changed my mindset. 🚨 *Reality Check* This is NOT a 1-day transformation. This is NOT a shortcut journey. This is a *slow process* … But a powerful one. ⏳ *70 Days Completed… 30 Days To Go* I’m still on this journey. Still pushing. Still growing. And if you want to see my real progress… If you want to stay motivated… 👉 Follow my journey on Instagram. instagram.com/jassfinance?ig… ❤️ *Final Message* If you’re waiting for the “perfect time”… It will never come. Start tired. Start unmotivated. Start with pain. But START. Because one day… You’ll thank yourself for not giving up. @SumitResearch @sumeetsmt @nakulvibhor @TraderHarneet @financial_adda @FinancialAdda

@FI_InvestIndia Today I am what I am is because of you! MINDSET! PERSPECTIVE! CLARITY! FOCUS! You are a true gem Bade Bhaiya. 💎 Ignore the noise on X like you ignore the noise in the markets. 😉 Keep motivating. 👍 Keep inspiring. 👍 Infinite power to you! 😘

It has been brought to my notice by my X Family that a certain individual on X has been writing about me. I would not like to name or comment on that person. That individual doesn't know me personally, and I don't know that individual personally. God bless that individual and his/her family. I felt I needed to write this post, purely for my X family who follow my posts for the last 9 years on this platform. Since most of you who follow me are long term investors, I hope you will read the whole post slowly ✌️ I have shared my journey on X multiple times and my pinned post has the details. So you can read that. I have been posting that regularly with updates. It is a reminder of my learnings and my mistakes I have made in my journey. From 2007 to early 2012 I was primarily invested in mutual funds. I have not missed a single month of investment until my last salary was drawn in March 2019. 2012 to 2016 was amazing. I learnt a lot and was fortunate to own some amazing businesses and create good wealth. I was lucky also that my thesis came true in most cases. Huge wealth was created. Yes. I was invested in the Financial Services sector from 2016 to 2018 (until the ILFS crisis happened). In early 2019, I realised my mistake of over concentration in one sector. I diversified to other sectors because it didn't make sense to have all investments in one sector. I have written about this multiple times and my early followers know this as well. Pls check my pinned post and my Journey posts using Advanced Search. You will find them. Since 2019, I have investments across sectors and also in corporate bond funds. I have written about that also multiple times and those who follow me closely know that as well. It was in 2020, when Covid hit, I again got the opportunity to deploy my capital in smaller businesses again after years ❤️ God has been kind. Investments have done very well. I have learnt a lot. Met some amazing founders. I continue to learn. I visit factories and I know many teams personally now. Able to invest my time also. It has become my passion. With God's blessings, my family is doing well. My best half left her job in 2013. We still stay in a rented home. We homeschool our son Prakrit along with many other similar like minded parents. We teach. We try to empower in our own small way. Since I retired young in 2019 and have decades left on this planet, I keep at least 4-5 years of expenses on Emergency Funds. We have a solid Health Cover. No Debt. We refill our Funds as and when required from our Market Investments. God has been kind. Our parents are healthy and do not depend on us. Since we travel quite a lot (you all know that from my posts), we have identified many families across the country who need support. Apart from a part of our wealth, the small X payout also goes to the families. I don't need to depend on any other Income except my listed businesses. On a serious note, I hope no one is dependent on X payouts 😀😀 We all write on this platform for the pure love of sharing. As simple as that. God has been kind. I write about multiple topics. Investing, Health, One Liners, Powerful Quotes, Inspiring Videos. I also criticise our Elected Representatives as and when required. Praise them where credit is due. As a Fundamental Investor, it is important to Invest in all facets of our Life. I will continue to talk about various topics even moving ahead. I am usually very careful about what I write here. I am aware of my responsibility as a voice on X. When I make mistakes, I take ownership and I have apologised when needed openly. No ego there. I can still make mistakes in future. So please keep giving me active feedback. This post is just for people who truly want to continue to follow my thoughts on this wonderful Platform. I request everyone to Stay the Course, Keep Investing, Be Debt Free & Evolve as we all continue in this Journey of Life ❤️ Let's focus on our Journey Ahead 🔥 God bless all, #FI

@iRadhikaGupta Ma'am, 98% investors have the same habits and hence, same outcome! Let only 2% create wealth as always. Wealth goes to only deserving ones.

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.

@BaluGorade Year | Mutual Funds : Stocks 2018 = 20 : 80 2020 = 40 : 60 2022 = 70 : 30 2024 = 90 : 10 1st January 2026 = 100 : 0 100% in Mutual Funds now! ❤️ Peaceful Compounding! 🧘 18 months of NO RETURN, still sitting on... 🔥 CAGR 18% 🔥

Anyone here who stopped direct stock picking and shifted to mutual funds? I am gradually shifting to mutual funds. Peace. ♥️

@BaluGorade Both. 50% - 50%

Flexi-cap category. Different style. Parag Parikh Flexi Cap looks like a pure value fund if you see holdings like TCS, HCL, Power Grid, ITC. Helios Flexi cap looks more growth focused with stocks like Eternal, PhysicsWallah, Ather, Paytm. Your choice?

@BullMarkets1 Superb!

1. Buying / Renting a home - Stay on rent 2. Credit Cards r bad 3. Home Loan is bad 4. IPO - u shud stay away All this gyan is given by influencers who r already rich - Use Credit Cards wisely - Owning 1st home > living on rent 4 entire life - Home Loan is good for 1st home

@anishcshah1 @KalpenParekh @livemint Let's not expect any reply from @KalpenParekh Sir. Kya karein bhai... Ganda hai par Dhanda hai...!!!

The Titanic didn’t sink because the ocean was dangerous. It sank because sailors believed ocean wasn’t. Investors make more mistakes not in moments of volatility, but in moments of certainty My year end article in @livemint livemint.com/money/personal…

@dmuthuk Wah wah wah !!! 🔥 Simply loved it. ❤️

You've every right to share your views. As I explained earlier today, half of John Bogle's Vanguard AUM is from actively managed funds. John Bogle's personal wealth too was predominantly in actively managed funds. Yes. Warren and Charlie have criticised middlemen who sell exotic products. Same Warren earned significant return from Goldman Sachs investment during 2008 crisis. He extracted maximum benefits including 10% mandatory dividend from Goldman Sachs. You know what kind of products Goldman Sachs sell. Hope you would have heard about Solomon Brothers, another seller of exotic products. Buffett not only bought Solomon Brothers but ran it personally during a crisis. Ultimately it was sold at good profit. Later it got merged with Citi group. Buffett, Munger and Bogle are role models I adore. But you and few others are repeatedly criticising even those who just sell plain vanilla mutual funds, leave alone exotic products. When Buffett decided he needed $100 million capital to build his investment empire but had no such capital, he managed other people's money to build that capital. Buffett's partnerships was one of the earliest hedge funds. There is no perfect person or perfect world. One becomes a legend if positives outweigh negatives by a huge margin. Paradoxes and contradictions are part of every human being. You and your ilk can continue to promote index investing, talk against distributors, criticise mutual fund houses, promote fee based advisory and so on. I think that's what freedom of expression is all about. All I wanted to point out was what you are doing doesn't deserve the moral high ground you are taking. Your way is one of the ways. There is no only one right way as many passive investors believe.

@FI_InvestIndia Vicco, Himalaya...

Amul, Lijjat Papad, Haldiram, Zoho, Zerodha - Examples of Unlisted Indian Businesses Creating Huge Profits, Zero Investor Money, Growing Steadily & Ethically with Impact !!! Any more examples? #FI

@Astro_Panditji_ Rahu in 12th House Dhanu Rashi Mesha Lagna Kundali

Rahu is the most important planet in today's era. You want to Win in life, Rahu can help you with that. Drop your Rahu placement and find out how Retweet and Follow to get a reply back

@BaluGorade Bhai, Sab bechne ke chonchle hai! Inko bhi pata hai kuch nahi ukhaad payenge...

Jio BlackRock Flexi Cap has come up with a concept called Systematic Active Equity (SAE). They are combining human expertise + data driven models to build the portfolio. Will it really work? Only time will tell.

@Astro_Panditji_ Deepak Agrawal

Drop me your Full Name and I will tell something about you using Numerology. Retweet, Like and Share to get a reply back.

@amitbehalll That's like receiving a dividend from MRF! 😆

Just paid a credit card bill of over ₹90,000 via CRED and thanks to CRED, they rewarded me with ₹1.

@FI_InvestIndia Soooo trueeee ❤️❤️❤️❤️

This dude promoted Debt Free Life, Personal Finance & 180 months of Investing towards Financial Independence like no one else could 😀

@KalpenParekh Wo sab to thik hai lekin what is this aged Astrologer Rahul Gandhi doing in this image !?

भविष्यवाणी in investing

@BaluGorade Using RealMe GT Master Edition since Navratri 2021! Will complete 4 years this month on Durga Ashtami. ❤️ Happy with ₹18,000/- phone and Investing more money to buy Time Freedom! ⏳ The best thing you can buy from money is TIME for you & your family. 🎁

Still using a 4 year old OnePlus. Absolutely fine. No iPhone FOMO. Yes, we exist. 😎

@BaluGorade Bro, all those brains are already working in the US! We have only job work and labour work to do...

Infosys is doing a buyback. But they should focus more on innovation and technology.