Save Invest Repeat
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Financial Freedom | Stock Market | Mutual Funds | Crypto | Creating Sovereign Individuals
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It's a tragedy that majority of men these days can't even bench press half their body weight.
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Sectoral mutual funds are for swing traders, not long-term investors.
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SIP > EMI

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

And the best scenario, EMI = 0

- @InvestRepeat
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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) πŸ™

If you can’t feed people yourself, you can donate to efficient orgs too, of your choice: HinduInitiatives.com
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πŸ’ͺ 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
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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
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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
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Road to β‚Ή10 Crore

1. Starting monthly SIP = β‚Ή65,000
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
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A grim reality shared by a top tech CEO. πŸ₯Ά

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 πŸ™
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β€· Emergency Fund: Minimum 6 months family expenses

β€· Term Insurance: Minimum β‚Ή2 Crore

β€· Health Insurance (Outside employer): Minimum β‚Ή15 Lakh

Keyword here is 'minimum'.

- @InvestRepeat
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It should be illegal for a man not to attend gym or yoga at least 3-4 days every week.
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These days, even β‚Ή0 EMI is a luxury for many; as so many are trapped in multiple concurrent EMIs.

- @InvestRepeat
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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
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PPFAS DAAF Mutual Fund's Sept Portfolio.

➑️ 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

πŸ“Š Debt + Arbitrage exposure at 71.63%

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

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

Existing SIPs etc. to continue as usual.

- @InvestRepeat
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WhiteOak Capital Dividend Yield Mutual Fund's Sept Portfolio.

🏘 Holding 7 REITs and 3 InvITs

πŸ“Š Equity + REITs + InvITs allocation at 71.11%

➑️ Arbitrage + Debt exposure at 28.89%

- @InvestRepeat
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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 β€˜Shield your Savings’: SaveInvestRepeat.com/ProtectSavings
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Today I learned - Gig workers delivering stuffs for companies like Blinkit, Zepto are earning nearly β‚Ή27,000 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
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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
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Sept 2026's dividend update. Received from

β‚Ή Power Grid
β‚Ή 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
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