Dear son

Dear son, before any letter about charts, before any letter about strategy — read this one.

@Finlo_com Yes we have long way ahead. Every penny matters.

@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.

Institutions I mean big money. For example - Murugappa group has brought CG power when the stock was at 27-30 I guess now the stock price stands at more than 800. Big money creates the candle and if the stock price hits 52 week high, it means huge money has brought the stock. Tiny bits - Murugappa group recently bought NACL and it is 2X from their buying price.

@Lettersfromappa @ChanderBhatia01 Institutions follow is not advisable See bse shareholding by institutions in 2021 and 2026 Institutions lapped this company in 2025 after it become 50x Fortunately I entered in 2017, still holding

If you buy undervalued assets, it may trouble you for 1, 2, or 3 years and then you get huge returns. If you chase the momentum, you may enjoy for a few months or 1-2 years and then trouble hit suddenly. I like to buy undervalued assets only.

@ankitrdmvxzya @ChanderBhatia01 I didn’t mean that. But always buy stocks which hits 52 week high. If a stock is hitting 52 week high, it means institutional buy has happened and it has moved the stock.

@Lettersfromappa @ChanderBhatia01 Always buy overvalued stocks If. U have amzon it's overvalued since 1998 If u have nividia it's overvalued since 2000 Tesla 2012 Infosys 1998

@Finlo_com Yes. All you need is patience.

@Lettersfromappa That 9% number is the real story. The best part of being early: you don't need a big amount to start. A ₹500/month SIP into a low-cost diversified index fund + 10+ years of patience does most of the heavy lifting. Starting beats timing, every time.

→ Crude is climbing. → AI is impacting the white-collar job market. The first compresses margins. The second compresses incomes. Together, they squeeze the consumer from both ends. Real estate will be the worst affected. The IT salary is what services the home loan EMI. When hiring slows and packages compress, the marginal buyer disappears. And real estate doesn’t fall alone the dependent sectors cement, steel, paints, home appliances, housing finance, broker commissions all will follow the same path.

@thinak_ That is the reform which is long pending. The people should atleast have options before them when they want to drink.

Government should not be selling liquor to its people. The liquor trade should be privatised

Corruption free government starts from the grassroots. I can see and hear that councillor seat are being sold for 10-15 lakhs in Coimbatore district. Do you really think that the those if elected will stay corruption free after winning? Also the promises if not fulfilled will backfire doubly.

After @TVKVijayHQ 's 1st cabinet meeting, two important decisions are taken.. 1. Drug-free Tamil Nadu. 2. Corruption-free Government

@Huzefa_k Really missed to see those misses. Thanks!

@Lettersfromappa Reality of 150 year old folk forecast:- Misses: 1927: No major crash, the actual crash was 1929 1945: No financial panic, end of WW2, actually a period of economic optimism, post-war boom 1965: Relatively stable prosperity in the US during 60s 1999: actual crash was 2001-2002

This chart looks best right now predicting the top and bottom. If this is true then the possibility of next bull market starting is only in 2032. Sideways until then?!

@DeepakVisva Never ever in the dreams that is going to happen. It’s going to be the family. Even if that has to happen, PTR may not be the right choice. Being vallavan in politics is more important than being nallavan.

One hope for DMK: If you want to compete with the likes of Annamalai and Vijay, make PTR the party’s principal face and future leader. His credibility could help restore public trust and confidence.

@PRSundar64 Change the FM!

FM: Willing to listen. Nifty fell. Tax exemption for interest on G Sec investment by FIIs. Nifty fell. What 'REFORM EXPRESS' can take Nifty back to 26000?

@abidsensibull Hope Trump atleast now honours the Indian retail investors for their bravery!

Global investing is becoming popular in India, and Indians will now start S and P and NASDAQ investing. Looks like as a people we have come a long way and moved on to bigger things - from giving exit to FIIs in India, to giving exits to FIIs in America 😏

@RGxAlpha And HDFC Bank as well sleeping for quite sometime. When both of them wake up, then bears will be butchered.

One big reason for Nifty not rallying since last 2 years The elephant has been sleeping since last 4-5 years Some liquidity support needed from Mota bhai ?

@AnirbanManna10 Indian market is fairly valued right now. So it is better to find good stocks in Indian market than moving to diversify since the global markets have already given a good run.

Few Finfluencers were suggesting Indians to invest in USA. It is good to diversify into Global Market BUT : Not when Indian Market underperformed the global Market. Hope people understand the simple math.

@InvestorOfJAMMU Life is a cycle. Winners will become losers and losers will become winners.

Every dog has its day. ➡️Reliance was once at 38x PE ➡️IT companies were between 35x to 100x of EPS ➡️Bitcoin was once defying the gravity ➡️Silver at peak touced 4.4 lakh in MCX ➡️Current wave is of AI Indian Market will make its way too. Question of when and not why.

The fact is that Nifty moves the most and is most volatile on Monday. Get ready for a volatile market on Monday. #Nifty #Giftnifty

@me__kaushik I’m expecting Trump to restart the negotiations with Iran to end the war and we may expect a flat opening in Monday.

How many points gap down are you expecting on Monday? I'm expecting 200-250 points. #nifty

@InvestorOfJAMMU Then how the hell would politicians hoard black money??!!

It's been years when I last touched currency notes. Why we need Cash when every nook and corner has UPI QR code?? Cash transaction above Rs 500 should be banned. Even my remote village is digitalised. Beyond my understanding🤯

@gurjota Comparison is not correct. India’s GDP is a factor for past performance. Stock market is priced based on what they expect in future. India’s GDP will be hit in the next quarter if the higher crude oil prices sustain.

Why is India's GDP and stock market heading in completely opposite directions 😭😭😭