ELSS Fund is one of the most underrated investment products. Some benefits:

✅ Tax rebate under 80C
✅ Works like a Flexicap Fund
✅ 3 yrs lock-in so forces you to stay disciplined

Real wealth can be generated here while saving tax.

- @InvestRepeat

Telegram EXCLUSIVE - Sharing this only for the Telegram SIR Community.

☀️ Kings & Queens, this Weekend Learning: https://youtu.be/m0LVciwbj4o

2022 Year review

💪 Health: In my best health due to combination of yoga & targeted supplements.

💰 Wealth: Net Worth increased by 44.4%. (Net Worth is not portfolio return. It's combination of return, income etc.)

☀️ Happiness: This year I got more spiritual than ever - closest to bhagavan. Getting into regular meditation, japa & puja.

Transparency time - Dec 2022:

💸 Savings rate
Last month 17.10%
All-time average 52.04%

💰 Net Worth increased by 7%

📈 Above chart is my overall portfolio performance Vs BSE Sensex Index in last 4 years (all-time CAGR 14.3%)

Transparency time - Investing in Dec 2022:

✅ New Position:
None

🔼 Increased Position:
Nifty 50 (NIFTYBEES)
Nasdaq 100 (MON100)
Nifty Next 50 (JUNIORBEES)
Nifty Midcap 150 (MID150BEES)
Emergency Fund (Quant Liquid Fund)

🔽 Decreased Position:
None

❗️ Exited:
None

Top 5 holdings of HDFC Flexi Cap Mutual Fund cover 30.56% of its portfolio.

ICICI Bank - 9.18%
Axis Bank - 6.84%
HDFC Bank - 6.77%
SBI - 4.3%
SBI Life Insurance - 3.47%

The fund has deployed ₹1 Lakh Crore AUM into 70 stocks + 2 REITs + debt.

- @InvestRepeat

There are multiple credit cards giving points etc. Here is one card that is not even a credit card but gives you 1.5% cashback on every online & offline transaction.

Best part - This 1.5% cashback is in gold or bitcoin (whatever you choose)

Study Material on → https://www.saveinvestrepeat.com/how-to-earn-bitcoin-in-india/

Data on India's GDP per capita (PPP) relative to China 1990-2026.

After depreciating for decades, since 2013-14 India was able to stabilise it. And now its appreciating.

Hopefully the growth continues & even gets faster 🇮🇳 🚀

- @InvestRepeat

India has only 2 flexi cap mutual funds with AUM over ₹1 Lakh Crore. Approach of both:

PPFAS = 37 stocks (4 from US) + 3 REITs + debt

HDFC = 70 stocks + 2 REITs + debt

Parag Parikh Flexi Cap comparatively prefers a much concentrated portfolio than HDFC Flexi Cap.

- @InvestRepeat

If currently your income = your salary, please start working on increasing income sources.

And you don’t need to quit job for it. Work on additional sources parallely.

I have already listed 25 such income sources which you can get started with while you are working in a job: SaveInvestRepeat.com/income

Many people build their entire retirement portfolio with highly volatile mutual funds.

Their justification, "Am fine with volatility as I am in it for the long term".

These people don't understand the concept of "Sequence Risk" yet. Just because you're holding something longer doesn't mean your sequence risk decreases.

- @InvestRepeat

Top 5 sector holdings of HDFC Mid Cap Mutual Fund cover 48.96% of its portfolio.

Banks - 15.63%
Pharma - 11.38%
Auto Components - 9.18%
Industrial Products - 6.48%
IT Software - 6.29%

The fund has deployed ₹1 Lakh Crore AUM into 76 stocks + debt.

- @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.

Since independence, India's global research ranking has continued to improve under all political parties. 🇮🇳 🚀

Global research rankings evaluation is based on research performance metrics such as publication volume, citation impact, research reputation, international collaboration & other quality indicators.

- @InvestRepeat

It’s extremely risky to not invest in India. 🇮🇳 🚀

> Invest time
> Invest labour
> Invest money
> Invest resources

- @InvestRepeat

> PPFAS Flexi Cap is again out of the most bought list. 2nd such week in years. Seems like fresh inflows have reduced a bit.

> People continued to buy arbitrage funds.

> Bandhan Small Cap fund's trend continues.

> Mirae Asset Mutual Fund's schemes got heavily dumped.

From mutual fund platform Kuvera's last week platform data: https://kuvera.in/blog/top-news-and-market-movers-this-week-31st-july-2026/

Transparency time - July 2026:

💸 Savings rate
Last month 73.35%
Average 65.23%

💰 Net Worth increased by 2.39% MoM.

More FIRE discussion inside SaveInvestRepeat.com/community

Transparency time - Investing in July 2026:

🔼 Increased Position:
Stocks
Bitcoin
PPFAS DAAF
Physical Gold
Nifty Midcap 150

🔽 Decreased Position:
None

Charts show my total net worth when calculated in different assets or currency.

More investing discussion inside SaveInvestRepeat.com/community

Three of the worst run Govt organisations are

> NTA

> EPFO

> FSSAI

Massive changes & deep upgradation is desperately needed inside all these 3 organisations.

WhiteOak Capital Mutual Fund launches its Dividend Yield Fund.

Target Allocation of the fund
Up to 60% REITs
Up to 25% dividend paying stocks & Arbitrage
Up to 10% InvITs

- @InvestRepeat