During business travel, a hotel room that I used to book for ₹7,700 per night last year.

This year it's costing me ₹11,000; exact same room & exact same hotel.

That's 43% price increase in 1 year. Interesting. Seems like most Indians now travel a lot.

- @InvestRepeat

Every Indian IT salaried folks should be doing the following:

✅ Start working on other income sources. One place to get started SaveInvestRepeat.com/Income.

✅ Keep minimum 12 months family expense in liquid or arbitrage mutual funds.

✅ Start tracking your expenses in a tracker & do a serious audit on what can be cut out.

Monthly Reminder: Before buying any supplements, grocery etc. do check HealthyProducts.in ☀️

Amazon Sale is ongoing so you would get discounts.

Share this with your friends & family too. Bharat should consume clean products.

Growing AUM may become a problem for all active schemes, but some get more affected than others.

Like Focused Mutual Funds.

If it performs too well, it will attract huge AUM but as per SEBI categorisation - only 30 stocks can be there in the portfolio.

- @InvestRepeat

If you have a hectic salaried job or lack passion for stock analysis then you don't need to do direct stocks. But you can still generate wealth.

Either buy Nifty 500 or buy 2 flexi cap funds. And keep doing SIP with top-up for 20 years.

Focus on asset allocation and increasing income.

- @InvestRepeat

Always pay your Credit Card bill in full & on time. 💳

If you pay only 'minimum amount due', then remaining amount will be charged interest at 25-45% yearly from the day you spent the money.

Don't fall for the trap.

- @InvestRepeat

It's a tragedy that majority of men these days can't even bench press half their body weight.

Sectoral mutual funds are for swing traders, not long-term investors.

SIP > EMI

Your monthly SIP should always be more than your monthly EMI.

And the best scenario, EMI = 0

- @InvestRepeat

Wishing you a very Happy Navratri & Mahalaya.

May Maa Durga & Maa Tara protect dharma and help you advance in your sadhana.

During these spiritually charged days increase your Shakti Upasana and feed people (Annadanam) 🙏

If you can’t feed people yourself, you can donate to efficient orgs too, of your choice: HinduInitiatives.com

💪 Weight gain super food

1. Some water or milk or curd
2. 50 grams powdered oats
3. Handful of dry fruits
4. 2 or 3 small/medium banana
5. 1 or 2 scoop whey
6. 2 gm creatine

Mix all in a blender/grinder and drink twice a day.

- @InvestRepeat

In IT industry,

Two projects
1 lead dev + 3 junior devs
1 lead dev + 3 junior devs

will become

Two projects
1 lead dev + 1 Claude API + 2 junior devs

Very few have realised this yet.

- @InvestRepeat

If you don't like actively managed mutual funds, simply buy a Nifty 500 or Nifty LargeMidcap 250 Index fund.

And if you don't like passive funds, simply buy 2 flexi cap funds. That's it. Don't need anything fancy.

Focus most of your time on increasing income.

- @InvestRepeat

Road to ₹10 Crore

1. Starting monthly SIP = ₹65,000
2. Annual Step Up = 10%
3. Expected Return = 10%
4. Time period = 20Y

Most important is increasing point 1, but unfortunately most are busy trying to increase point 3 only.

- @InvestRepeat

A grim reality shared by a top tech CEO. 🥶

As I keep saying - If your salary depends on coding-related job or any monotonous software work; please start working on increasing income sources.

In case you have no idea where to start, you can go through 25 income source ideas study material: SaveInvestRepeat.com/income

Or if you already have ideas, just get started. Don’t delay anymore. Do something other than your job too 🙏

⤷ 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