Vivek Shah

You are NOT the thoughts inside your head. We often think we are the " thinker of our thoughts", whereas in reality, we are actually the " observer of our thoughts".

Market corrections are not failures of investing; they are features of investing.

There is one thing that separates people who build lasting health, wealth, and careers from those who don't. It is not intelligence. Not income. Not luck. It is simply how far ahead they are willing to think. Have wrote something this week that I hope makes you pause — and perhaps, reconsider your own time horizon. substack.com/home/post/p-19…

Wealth is rarely lost in a market crash. It is lost in the decisions made during one.

Markets test investors… but they truly test Personal Finance Professionals (PFPs). For many investors today, this is their first real experience of a market that has delivered almost zero return for nearly 18 months and is now correcting further. For them, this feels uncomfortable, uncertain and even frightening. But for us as PFPs in this group, this is not a problem — this is our moment of purpose. Bull markets make portfolios look good. Bear phases make PFPs valuable. This is the phase where our real role emerges: • To bring perspective when clients see panic • To bring discipline when emotions take over • To remind them that volatility is not a flaw of markets — it is the price of long-term wealth creation History has shown repeatedly: Markets correct 5–10% almost every year 10–20% corrections happen every few years Yet over long periods, patient investors have always been rewarded Most investors do not lose money because of markets. They lose money because of behaviour. And that is exactly where we becomes indispensable. Our job today is not to predict the market.( As PFPs we should study market behaviour and data for our confidence but should never show our expertise of market knowledge in front of clients, they dont like jargons, they like stories and they see your confidence) Our job is to protect investor behaviour and emotions. I personally believe, this is the time to Hold conversations. Explain cycles. Revisit goals. Reinforce discipline. Years later, when portfolios grow and goals are achieved, clients may remember the returns… But the real difference was created in times like these — when someone stood beside them and said: “Stay the course.” This is the phase where trust deepens, relationships strengthen, and true advisors rise above the noise. Happy Investing...

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Markets, like life, move in cycles of excitement and pause. Since July 2024 (15 months) our markets have been flat. MSCI India has underperformed MSCI EM by more than 25% on rolling one year basis. Market breadth has been extremely weak - only 44% of stocks managed to outperform the BSE 500, and barely 30% of BSE 500 names are even in the green on a rolling one-year basis.

@Bahadursinh1983 @svembu I agree sirji that eventually there might be short form name for the same but to start with it should be very basic which every can connect in day to day names that was only the suggestion to sir. I can only give feedback, the final decision is with Vembu sir.

@vivekshahfp @svembu In Gen Z era everything is short form so eventually it becomes AT and it sounds cool so don’t worry about name

We have faced a 100x increase in Arattai traffic in 3 days (new sign-ups went vertical from 3K/day to 350K/day). We are adding infrastructure on an emergency basis for another potential 100x peak surge. That is how exponentials work. As we add a lot more infrastructure, we are also fine tuning and updating the code to fix issues as they arise. We have all-hands-on-deck working flat out. As a matter of fact, we had planned on a big release by November, with a lot of the features you expect, a huge capacity addition and a marketing push. And then it suddenly went vertical! We have a lot more planned for Arattai, please give us some time. Thank you for your patience and support! Jai Hind 🙏

Your ability to engage with life's challenges empowers you to progress, regardless of circumstances.

Humans are creatures of habit, often stuck in old patterns that may not align with objective reality. For example, many pursue the "American Dream," exhausting themselves in the belief that "more is better" is a universal path to happiness. Ironically, they burn themselves out, acquiring luxuries they lack time to enjoy. Conversely, while some claim money can't buy happiness, others habitually shop to feel better. Sadness, loneliness, and boredom drive consumption as a temporary fix for inner issues. Social media ads exacerbate this, encouraging purchases to drown out discomfort. Over time, the thrill of possessions dulls, but the habit persists.

True size of some species. A Thread 🧵 1. Here is a Cinereous Vulture, one of the largest bird species in the world

The more something is perceived as stable, the worse the fall.

This is the definition of broken: In 15 days, the Fed will cut rates for the first time in 2025, yet the 30Y Treasury Yield is now near 5.00%. We have RISING interest rates as markets "price-in" Fed interest rate CUTS. Do you realize what's happening? (a thread)

This chart says it all: The UK has been running wartime fiscal deficits as a % of GDP despite the last war on UK soil being WW2. The UK is literally seeing deficits as a % of GDP that are at French Revolutionary and Napoleonic War levels. What is happening here?

The UK's bond market is collapsing: Today, the yield on a 30Y Bond in the UK rose to 5.64%, its highest level since 1998. Yields in the UK are now 15 TIMES higher than they were at the 2020 low, just 5 years ago. What is happening? Let us explain. (a thread)

Achieving financial freedom requires intentionality, discipline, and a mindset shift toward long-term wealth building. By adopting small steps consistently for longer time and using smart strategies – such as creating a personalized budget, diversifying income streams, start SIPs but continue for really long period, managing windfalls wisely, and addressing financial trauma – you can break free from cycles of scarcity and build a life of security, opportunity, and abundance.

Wealth isn’t just about money; it’s about empowerment, control over your time, and the ability to design a life that reflects your values. With the right steps, financial independence is within your reach.

We'd like to think of all the material things in our lives—our physical possessions—as stuff we own. But for some things, that may be backward. Take your phone, for example. Are you really in charge? Do you own your phone, or does your phone own you? Personally, sometimes I feel like my phone owns me. I do everything I can to make my smartphone dumb—disabling notifications, monitoring screen time, deleting timesucking apps and social media—and yet, over and over again, I find myself reaching for my phone completely subconsciously… as if my phone is controlling my behavior, not the other way around. And what about cars? Houses? Investments? That [insert clothing item here] you haven’t worn in 12 years but can’t bring yourself to get rid of? Are you really in charge of any of that? Remember—the point of all this stuff is to make our lives better. If it’s not doing that, it’s just taking up space (or time, or energy, or money). And if that’s all it’s doing, isn’t it time to get rid of it? There’s a reason Marie Kondo has amassed such a huge following. You’re probably nodding your head knowingly as you read this. Of course, getting rid of things is easier said than done. How do you know what to toss and what to keep? My humble advice is simply to ask yourself this one powerful question: do I own this thing, or does it own me? And if the answer is the latter, that might be something worth getting rid of. Or at least do whatever you can to set the record straight and remind your stuff (and yourself) who’s in charge.

A personalized budget is your roadmap to financial freedom. It gives you the clarity and control to align your spending with your values and goals, putting you firmly on the path to lasting wealth.

Use a simple framework to divide your income post tax into 4 categories: 15% for emergencies and short term expenses, 50% for spending, 10% for charity or donation, and 25% for investing. But always keep in mind, while these % are a great starting point, they’re not fixed rules

For many people, budgeting feels like an overwhelming chore. I strongly believe that without a clear budgeting for your money, financial freedom remains out of reach.