⤷ Emergency Fund: Minimum 6 months family expenses

⤷ Term Insurance: Minimum ₹2 Crore

⤷ Health Insurance (Outside employer): Minimum ₹15 Lakh

Keyword here is 'minimum'.

- @InvestRepeat

It should be illegal for a man not to attend gym or yoga at least 3-4 days every week.

These days, even ₹0 EMI is a luxury for many; as so many are trapped in multiple concurrent EMIs.

- @InvestRepeat

Advisor 1: Buy this 1 index fund for your equity portfolio.

Advisor 2: Buy 2 focused funds, 1 contra fund, 2 small caps, 1 sectoral fund.

People consider 2 to be wiser than 1 just because he "sounds complicated". Huge mistake.

- @InvestRepeat

PPFAS DAAF Mutual Fund's Sept Portfolio.

➡️ Holding 9 stocks - Coal India, Petronet LNG, Power Grid, ITC, Swaraj Engines, Nesco, PFC, VST Industries, Indus Towers.

🏘 REITs holding: Embassy, Brookfield, Knowledge Realty Trust

📊 Debt + Arbitrage exposure at 71.63%

Note: Parag Parikh team runs their DAAF kinda like a conservative hybrid fund.

- @InvestRepeat

🚨 BREAKING: HDFC Mutual Fund SUSPENDS all fresh inflows into its gold and silver funds.

Existing SIPs etc. to continue as usual.

- @InvestRepeat

WhiteOak Capital Dividend Yield Mutual Fund's Sept Portfolio.

🏘 Holding 7 REITs and 3 InvITs

📊 Equity + REITs + InvITs allocation at 71.11%

➡️ Arbitrage + Debt exposure at 28.89%

- @InvestRepeat

Gold ETF won’t be backed by physical gold anymore?

This is the very reason why I keep telling people to execute the 6 steps and ‘Shield your Savings’: SaveInvestRepeat.com/ProtectSavings

Today I learned - Gig workers delivering stuffs for companies like Blinkit, Zepto are earning nearly ₹27,000 a month for 8-10 hrs daily delivery.

Petrol cost is on the worker. And if its an EV then cost is lower. So on an average not really bad earnings considering that the only skill set required is driving.

- @InvestRepeat

Zerodha allowing US stocks is fine. But remember three important things:

1️⃣ US don't really have "growth" or "accumulating" ETFs so they force distribute dividends which you will have to declare in your tax filing.

2️⃣ US has additional Estate Tax. Zerodha doesn't allow UCITS ETFs yet.

3️⃣ Everyone is piling into US stocks now. May not be very wise to FOMO a large portion of your investment into it. Dollar cost average or SIP it if required. And stick to your asset allocation at all cost.

- @InvestRepeat

Sept 2026's dividend update. Received from

₹ Power Grid
₹ Sovereign Gold Bonds

Average monthly stock dividend is now in 4 digits. Next goal is to hit the 5-digit mark.

Shared my full REITs & stock dividend portfolio at: SaveInvestRepeat.com/community

When a Mutual Fund scheme says that they hold 12% of their portfolio in cash, many think it is just in a bank account earning nothing.

No.

Mutual funds actually keep cash in products like Tri-Party Repo (TREPS). That means the cash is earning a 6-7% yield (return).

- @InvestRepeat

As of September, Parag Parikh Flexi Cap Fund holds 9.7% in cash.

After a decent amount of time PPFAS cash holding is in single digits.

- @InvestRepeat

Truth is 99% won't achieve financial freedom without high income or decent inheritance.

Greater truth is 99% trying to achieve financial freedom isn't talking about this at all. They're busy with returns.

SaveInvestRepeat.com/income

Approx number of years you need to reach ₹5 Crore portfolio.

Considering
Annual return 10%
Annual inflation rate 6%

Interesting part - with increasing SIP amount, the number of "lost years" decreases. Another reason why it's so important to increase your income (SIP amount).

- @InvestRepeat

✅ Don't forget to join SIR's WhatsApp channel: https://whatsapp.com/channel/0029Va9aeRjHQbS9P2Akma2p

All the best posts are collated there for easier access.

Gold, Bitcoin, Quantum, Fusion & AI:

1️⃣ Quantum and fusion are both in a stage where its theoretically possible to break gold or bitcoin; but due to various reasons practically can't 'scale' yet to really break any.

2️⃣ Bitcoin has an advantage that its upgradable. Already many others have started to deploy quantum resistance algorithms to mainnet.

3️⃣ Gold has an advantage that quantum at this stage seems to be at a more advanced stage than fusion.

4️⃣ Gold and bitcoin are "unproductive asset" and its value comes from "trust".

5️⃣ Both crypto guys & gold bugs don't understand that quantum or fusion doesn't need to crack bitcoin fully or produce tonnes of gold of day 1 to break that "trust".

6️⃣ Once fusion can even generate a kilo of gold in a lab, the trust is gone & likely price collapses.

7️⃣ Once AI can find critical bugs in bitcoin or quantum can crack its encryption, the trust is gone & likely price collapses even if devs are able to fix the bug after its exploited.

At this point, anyone saying anything will go to 0 doesn't know anything. Neither does the other group which is saying its "impossible".

Stick to your asset allocation. Be updated about technological advancements around you & adjust accordingly. Neither panic, nor be of mindset that its "impossible" to break bitcoin or replicate gold.

How I know someone will never be wealthy?

They comment or reply on every mutual fund post on X - “Suggest me best mutual funds”

By now they have got list of 50 fund names from 10 different individuals, confusing him even more. So he asks again.

Vicious cycle to the bottom.

- @InvestRepeat

First 5-7 years of your investing journey is just a test on - Do you really deserve the wealth?

The next 5-7 years is when you "feel" the portfolio really start to grow.

- @InvestRepeat

2026 returns so far:

🇺🇸 Nasdaq 100: +24.22%

🇺🇸 S&P 500: +19.2%

🥇 Gold: +4.7%

🌐 Bitcoin: -1.36%

🇮🇳 Nifty 500: -10.66%

🥈 Silver: -14.64%

All data is adjusted with INR.

- @InvestRepeat