Finlo

Investment success depends more on controlling emotions than predicting markets. Avoid biases, focus on facts, maintain discipline, think long term. This is a core Finlo lesson.

Macquarie rates Meesho 'Underperform' with 25% downside. This highlights the importance of independent research. Don't invest based on brand name. Understand the underlying business fundamentals.

Market turns selective. What does this mean for you? Research. Focus on companies with strong earnings and clear growth paths. Avoid speculation. At Finlo, we call this informed investing.

Mr. Singh, 28, started a ₹2,000 monthly SIP in an index fund. In 30 years at 12% p.a., he'll have over ₹70 lakhs. Time is your greatest asset in investing. Start now. More on this every week → tryfinlo.co

Zinc prices at multi-year highs. This shows how global supply and demand affect commodity markets. For you, it's a reminder that diversification across asset classes can help balance your portfolio.

The best time to trade crypto in India? 6:30 PM to 10:30 PM IST, during Europe-US overlap. But for most, regulated investments are a safer bet than speculative crypto trading. Prioritize long-term wealth.

Many Indian states announced DA hikes for employees. This helps offset inflation. As a salaried individual, always factor in DA revisions when planning your budget and savings. Stay informed.

What moved markets this week? Global cues and domestic policy. What should you do? Review your portfolio, ensure diversification, and stick to your financial plan. Volatility is part of investing.

FIIs withdrew ₹1.98 lakh crore this year. Does 'capital has no nationality' mean FIIs are selling India? Not necessarily. Focus on India's growth story and your long-term plan. Finlo teaches this.

@KommawarSwapnil A trap young earners fall into: assuming the office health cover has them sorted. It vanishes the day you switch or lose the job, usually right when you need it. Buying a small personal policy while young and healthy locks in a low premium for life.

One of the biggest underappreciated themes in India today is health insurance. Healthcare costs continue to rise faster than most households expect. At the same time, insurance penetration remains relatively low and millions of families still rely on savings or borrowing during medical emergencies. That gap is the opportunity. India has made significant progress in expanding health insurance coverage, but compared to many developed markets, we are still in the early innings. As incomes rise and awareness improves, more families are likely to view health insurance as an essential financial product rather than an optional expense. This is why I keep an eye on companies that are already deeply embedded in this space. Star Health, for example, is India’s largest standalone health insurer and has insured more than 19 crore lives since inception. In insurance, scale creates data, distribution advantages and customer trust that can compound over time. What stands out even more is where the company is growing. A large share of its business comes from Tier-2 and Tier-3 India. While investors often focus on metros, the next wave of insurance adoption could come from smaller cities where awareness is rising but penetration remains relatively low. Of course, no investment story is without risks. Claims inflation, competition and regulatory changes can all impact profitability. In insurance, premium growth alone isn’t enough. Underwriting discipline and claims management matter just as much. But when you combine rising healthcare costs, an ageing population, increasing insurance awareness and deeper penetration into smaller towns, it’s not difficult to see why many investors remain optimistic about the long-term prospects of India’s health insurance sector. The story may still be earlier than most people think. #Investing #IndianMarkets #HealthInsurance #StarHealth

@hariniv2505 Solid wake up list, and the fix is gentler than it sounds. Pick one paycheck and automate a small SIP the day your salary lands, before you can spend it. Even ₹1000 a month builds the muscle. The 10 minutes of learning usually follows once you have skin in the game.

If you're in your 20's, have a job, and... – You spend more on EMIs than investing in SIPs – You think FD's are better than stocks coz your dad did it - You are regularly spending money on depreciating assets – You compare food coupons but won’t spend 10 mins learning compounding Maybe it’s time to pause... & learn how real wealth is built !

@Lettersfromappa The number that gets missed is that most of that 9% started with a tiny amount. You do not need a lump sum to enter the markets. A ₹500 monthly SIP into a broad index fund is a real start, and the habit matters more than the size in year one.

13 crore Indians have registered to invest in stocks. Of those, 6.1 crore also hold mutual funds. That is roughly 9% of our population in the capital markets. For perspective: → United States - 62% → Canada - 47% → Australia - 37% → India - ~9% We are early. India has a long way to go. Two ways to ride the next decade with a SIP: The safer bet - Nifty 50. The risky bet - a capital markets ETF. Exchanges, depositories, brokers, AMCs. If more Indians join the markets, these companies grow before any of the stocks they trade.

@warrioraashuu Count me in. I am working on Finlo, where young Indians learn money the way they learn a language, one small lesson a day. We cover SIPs, tax, credit scores, insurance, and how to spot a scam before it gets you. tryfinlo.co

I’d like to connect with more people who are building, creating, and learning in public. Especially: • Founders • Developers • Solopreneurs • Freelancers • People building tools, systems, or digital products If that’s you, let’s connect :)

@sripatro_com Building Finlo, a finance learning app for India that works like Duolingo. Short daily lessons on SIPs, taxes, credit, insurance, and the scams hiding in between. Made for first-job earners figuring money out. tryfinlo.co

Hey founders 🙃 Looking to connect with people in: 🚀 SaaS 🤖 AI & Automation 📈 Tech 📱 Product Development 🔥 Web Apps 💻 Dev 🧠 Neurotech & Health Tech What are you building now? Drop it below 👇 Curious to see what everyone's working on 🚀

LIC increased its stake in Maruti Suzuki to over 5%. Large institutional investors make strategic moves. As a retail investor, focus on your own asset allocation and long-term goals. Don't just follow big names.

The cost of raising a child in India can reach ₹6.75 crore, driven by school inflation. Start planning and investing early. Even small, consistent SIPs make a huge difference. tryfinlo.co

RBI flags risks, making this a 'stock picker's market'. For you, this means research matters more than ever. Don't blindly follow trends. Look for value in largecaps and specific sectors. More on this every week → tryfinlo.co

@Value_of_Growth Good primer. One thing beginners miss: a REIT is not the same as owning property. It trades on the exchange, so the price swings daily and reacts to interest rates. Treat it as a small income slice in your portfolio, not a replacement for equity or a home.

🏢 Most Indians know about: ✓ Fixed Deposits ✓ Gold ✓ Stocks ✓ Real Estate But very few know about REITs. What if we told you... You can invest in premium commercial real estate directly from your Demat account? Welcome to the world of REITs 👇 1️⃣ What is a REIT? REIT stands for Real Estate Investment Trust. Think of it as a company that owns income-generating commercial properties such as office buildings, business parks and commercial real estate. 2️⃣ Why were REITs created? Not everyone can buy a commercial property worth crores. REITs allow small investors to participate in large real estate assets. 3️⃣ How does a REIT make money? Simple. Companies pay rent. REIT collects rent. A portion of that income is distributed to investors. 4️⃣ How do investors make money? There are two ways: 💰 Regular Distributions 📈 Capital Appreciation 5️⃣ Is it like buying a stock? Partly yes. You can buy and sell REITs through your Demat account just like stocks. But the underlying asset is real estate. 6️⃣ How much money do I need? You don't need lakhs or crores. In many cases, investors can start with just a few thousand rupees, making REITs far more accessible than buying a property. 7️⃣ Can I buy REITs through Zerodha, Groww, Dhan etc.? Yes. REITs are listed on stock exchanges and can be purchased just like shares. 8️⃣ Which REITs are listed in India? 🏢 Embassy REIT 🏢 Mindspace REIT 🏢 Brookfield REIT 9️⃣ Why do investors like REITs? ✅ Passive Income ✅ Real Estate Exposure ✅ No Tenant Issues ✅ No Maintenance Headaches ✅ Easy Liquidity 🔟 What are the major risks? ⚠️ Occupancy may decline ⚠️ Rental growth may slow ⚠️ Interest rates can impact valuations ⚠️ REIT prices can fall Interesting? In Part 2, we'll cover: ✓ SIP vs Lumpsum ✓ Best Time To Invest ✓ Taxation ✓ Market Crash Impact ✓ REIT Index ✓ How To Analyse REITs and other frequently asked questions. Have you ever invested in a REIT? 🤔 #REIT #Investing #PersonalFinance #PassiveIncome #StockMarket

@TheTradingwolf0 Worth adding for anyone new to this: simpler tax does not mean you can skip saving. The old regime nudged people to invest just to cut tax. Once that nudge is gone, the discipline has to come from you. Run both regimes on a calculator before locking money into any product.

🚨 BIG TAX CHANGE COMING IN INDIA FROM APRIL 1, 2026 The government is replacing the 64-year-old Income Tax Act, 1961 with a new Income Tax Act, 2025. Here's what it means for you: ✅ Taxable income up to ₹12 lakh = ZERO tax (under the new regime with rebate) ✅ Simpler tax laws and compliance ✅ Wider tax slabs and lower rates ✅ Less paperwork and fewer disputes ✅ Faster and easier ITR filing ❌ Traditional deductions like 80C may become less relevant ❌ Tax-saving investments may no longer be the main way to reduce taxes Who benefits the most? • Salaried employees 👨‍💼 • Middle-class families 🏠 • Senior citizens 👴 • Small business owners 📊 • Professionals & freelancers 💻 The biggest shift? India is moving from a "save tax through deductions" system to a "pay lower tax by default" system. This could be the largest simplification of India's tax framework in decades. If implemented as proposed, millions of taxpayers may never need complex tax planning again. Agree or disagree? 🤔 #IncomeTax #PersonalFinance

@anshumanomics The hardest line on that list is don't touch it. The first 30 percent drop makes every instinct scream to stop. The fix: auto debit on salary day and delete the tracking app. Boring and automatic usually beats clever and emotional.

so what do you actually do? • open a direct mutual fund account (zerodha coin, groww) • pick 1 simple nifty 50 index fund • set ₹10k SIP on salary day • don’t touch it • repeat for 20 years that’s it no tips. no timing the market. no expertise needed.

₹10,000/month at 22 sounds small right? let me show you what it actually becomes and why you’ll want to cry after reading this