Sourav Dutta @Dutta_Souravd Twitter profile

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Sourav Dutta

2 days

I am planning to open up slots in my calendar for 1-1 mentorship on personal finance/investment/asset allocation etc. For more details, DM me.

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Sourav Dutta

@Dutta_Souravd

2 months

1 Cr is not middle class in India. If you had 1 Cr, you can not: 1] Buy a decent 2BHK House 2] Get enough interest to live off FD 3] Leave your job and spend more time with family 4] Go on an international vacation with family So, stop feeling fake rich and get back to

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Sourav Dutta

@Dutta_Souravd

2 months

Stock Market was not my hobby, it was my only option. I was average at job, introvert and bad in office politics. Realised early that this was my only shot at redemption. You need a burning passion to succeed in anything.

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Sourav Dutta

@Dutta_Souravd

22 days

One of my ex colleagues in Bangalore age 30 earns 35 lac. Has taken 1.25 Cr home loan. Both spouse working. Loan tenure 30 yrs. EMI: 1 Lakh/month Will end up paying 3.6 Cr in total. Bad decision!

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Sourav Dutta

@Dutta_Souravd

3 months

My Definition of Wealth by Liquid Net-worth: Poor : 10 Lacs Lower Middle Class : 50 Lacs Middle Class : 1 Cr Upper Middle Class : 2 Cr Rich : 5 Cr HNI : 10 Cr UHNI : 50 Cr Don't Care Wealth : 200 Cr Generational Wealth : 1000 Cr Agree? I am an HNI. What about you?

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Sourav Dutta

@Dutta_Souravd

1 month

25 LPA salary in today's age is nothing. Even a 3-5 year experience software engineer gets more than this. Are tech salaries distorting the market?

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Sourav Dutta

@Dutta_Souravd

11 days

I invested every month for 10 yrs by saving +50% of salary. Now my annual dividend is higher than my Year 1 salary. Power of compounding.

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Sourav Dutta

@Dutta_Souravd

29 days

Till you get 1Cr Networth, don't: - Buy a house - Buy a new car - Buy Apple/luxury bike - Go on vacation on flight

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Sourav Dutta

@Dutta_Souravd

20 days

My father had invested in LIC endowment plans through his agent friend. Invested 2 Lac in 2010. I made him surrender in 2020 and profit was 1L after 10 years. 4% CAGR - even PNB savings bank pays better. Now the agent uncle is angry with me.

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Sourav Dutta

@Dutta_Souravd

2 months

My first salary was 75k per month in 2012. Now my dividend income is more than that. As portfolio compounds, dividends do too and soon you get pleasantly surprised.

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Sourav Dutta

@Dutta_Souravd

13 days

My lifestyle at 25 LPA in 2018: In hand 1.4L Rent 15k Fuel, food groceries, eating out, house help 25k Avg leisure travel and subscriptions 20k SIP 50k Direct stocks 30k Save and invest +50% of monthly income.

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Sourav Dutta

@Dutta_Souravd

3 months

1. House 1 Cr (fully paid) + Car 20 Lac + Equity 10 Lac 2. House on rent + Car 10 Lac + Equity 1.2 Cr Which one would you like to be?

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Sourav Dutta

@Dutta_Souravd

30 days

25LPA is too little for running a family. 25 LPA = in hand 1.5L per month. Family of 3 would spend 1L on essentials, EMI / rent. 25K for eating out, movies, OTT, day trips. 25K for emergency and medical. Nothing left to invest.

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Sourav Dutta

@Dutta_Souravd

15 days

Fake flex - Audi & iPhone - 50 LPA salary - House Real flex - 1Cr Stock Portfolio - 20 LPA Dividend - Commercial Real Estate

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Sourav Dutta

@Dutta_Souravd

25 days

I agree that house is an emotional decision for most Indians. Consider a 1 Cr Flat with Loan 90 Lakh and downpayment 10 Lakh. Tenure: 20 yrs EMI: Rs 78K. Alternate Solution : Delay buying this house by 10 yrs. Invest 10L lump-sum + 78K SIP for 10 years in 4 MF. 2 Flexi Cap, 1

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Sourav Dutta

@Dutta_Souravd

2 months

My take on the Indian markets: -Larger bull market will last till 2028 -Leading sectors are Metals, PSU/small Banks, Capital Goods, Infra -Markets will be positive for 2-3 months -A big sized correction will start around Oct 2024 for 6-12 months -SMEs and sectors like railways,

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Sourav Dutta

@Dutta_Souravd

1 month

For my father, 1 lac per month income was aspirational. For me, 5 lacs per month income is aspirational. For my kid, 25 Lacs per month will be aspirational. Impact of inflation. Equity is the only way to beat it.

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Sourav Dutta

@Dutta_Souravd

25 days

Lifecycle of a Middle Class Indian: Birth Go to College Start Job Get Married Buy Car on EMI Take Home Loan Have 1-2 Kids Buy 2nd Car Take 2nd Home Loan Spend 70% of savings on Kids' Education & Marriage Retire & Die as Middle Class (Take a couple of Europe trips in

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Sourav Dutta

@Dutta_Souravd

1 month

A 40 year old friend in Bangalore hopes to retire by 50. He has the below assets: - 10 lacs gold - 20 lacs in equity MF - 50 lacs Fixed Deposit - 1.5 Cr house with 80 lacs loan Annual expense 12L, income 30 LPA. Can he achieve early retirement?

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Sourav Dutta

@Dutta_Souravd

27 days

I have worked under Indian and Foreign managers and have found working with the foreign ones better always. Indian managers suffer from racism, gender bias, micro management, mid life crisis and keep a tab on the log in and log out times of team members. Do you agree?

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Sourav Dutta

@Dutta_Souravd

3 months

I wanted to quit investing in 2018. The Small Cap bubble burst. I was down (-)40% in portfolio and (-)90% in confidence. Somehow stuck around. Today I have a 9-figure Net worth. Never give up on Equities!

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Sourav Dutta

@Dutta_Souravd

1 month

Those earning 50LPA aren't truly rich. 50 LPA salary is good for the ego but 10 LPA dividend is great for the bank balance. Aim for passive income not salary.

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Sourav Dutta

@Dutta_Souravd

1 month

You only need 5 good equity Mutual Funds to become rich in 10-15 years. Anything more than that is overdiversification. - 1 Nifty ETF - 2 Flexicap Funds - 2 Small cap Funds All 5 must be from different Fund Houses.

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Sourav Dutta

@Dutta_Souravd

4 months

How to treat IPO investing as a business? Read on: Live example from my brother’s account: Capital : 10 Lac OD (against MF) Period : Jan - Apr 2024 Total listing profit : 6.8 l Total interest on od : 13k Net profit: 6.67l IPO investing can be a rewarding business if done with

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Sourav Dutta

@Dutta_Souravd

28 days

50L salary = stress + BP 50L in stocks = dividend + freedom

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Sourav Dutta

@Dutta_Souravd

20 days

3BHK Flat in Bangalore with Top Builder Cost: 2 Cr Rental Yield: 2-3% 10 yr Capital Appreciation: 0 + Tax, Maintenance, Electricians, Plumbers MF/Stock Portfolio: 2 Cr Capital Gains: @ 15%, becomes 8 Cr in 10 yrs + Dividends, no stress, more time for family

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Sourav Dutta

@Dutta_Souravd

3 months

Success is: Not buying a stock at 100 and selling at 150. But, buying at MCap 200cr and selling at 5000cr.

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Sourav Dutta

@Dutta_Souravd

20 days

Wealth needed to be in top 1%: India 1.5 Cr Switzerland 50 Cr USA 45 Cr UK 25 Cr Singapore 30 Cr Enjoy the clean air in Europe when young, retire in India and enjoy the cheap services. Only problem is the pollution.

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Sourav Dutta

@Dutta_Souravd

24 days

EPF has been created to keep you poor. Save and invest for 35 years and earn 8% pa with real inflation 10% Receive peanuts on retirement.

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Sourav Dutta

@Dutta_Souravd

1 month

Why PPF is a junk product? - It has 15 year lock in and over such a long period, equity will outperform debt ALWAYS. - 8% PPF rate caps the pre tax return to around 10.5%. - Just the dumb Nifty50 will give 13%+ over such a long period. Active funds even more.

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Sourav Dutta

@Dutta_Souravd

26 days

25 Lac salary brings a lot of responsibility. 25 Lac equity portfolio brings a lot of confidence and freedom.

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Sourav Dutta

@Dutta_Souravd

21 days

Market Outlook for the next 2 months: 1] All indices will All Time High before a big correction 2] Metals and PSU Banks to blast 3] Small and mid caps also will lure everyone to come in 4] Be careful and plan exit whenever everyone is positive 5] The next correction will be

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Sourav Dutta

@Dutta_Souravd

3 months

Top 6 holding in my portfolio. Ambika Cotton Kanchi NCC Manali Petroleum Maan Alu Nahar Poly Primarily commodity and Infra small caps.

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Sourav Dutta

@Dutta_Souravd

11 days

Start 50k SIP in MF portfolio today for 20 years: 2 flexi cap, 2 small cap, 1 Nifty ETF. This should give 15% over a 20 yr portfolio. In 2044, corpus = 6.6 Cr Financial Independence achieved.

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Sourav Dutta

@Dutta_Souravd

18 days

Current portfolio top 6 stocks. Real fun starts when Ambika begins blasting. Portfolio is heavy on cyclicals and only for educational purposes.

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Sourav Dutta

@Dutta_Souravd

22 days

In 2013, my portfolio falls by max 10K in a day and I would feel depressed. In 2024, my portfolio falls by 50L in a day and noone in my family even knows. Stomach is more important than the head in stock market.

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Sourav Dutta

@Dutta_Souravd

3 months

10LPA through dividends feels much sweeter than 10LPA through salary.

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Sourav Dutta

@Dutta_Souravd

1 month

Most aim for a 50+ LPA salary. We must aim for a 10+ LPA dividend portfolio instead. Dividend Income > Salary income

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Sourav Dutta

@Dutta_Souravd

10 days

Salary hike 10% Lifestyle hike 5% Only path to become wealthy.

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Sourav Dutta

@Dutta_Souravd

2 months

"1 Cr is a lot of money" "1 Cr networth is impossible to get" Trust me, both the above statements are false. With the current inflation scenario, any family with less than 1 Cr NW is not even middle class.

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Sourav Dutta

@Dutta_Souravd

30 days

My friend with a 15 LPA starting salary buys a 12L car in first 6 months on lease to save tax. Middle class mindset starts from day 1 of job.

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Sourav Dutta

@Dutta_Souravd

1 month

The no. of Tax filers with income above 1Cr : 2 Lac. Actual no. of 1Cr income earners : 2 Cr. Even your roadside non AC Biryani shop would be earning 1 Cr profit.

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Sourav Dutta

@Dutta_Souravd

1 month

I don't judge people by their looks. I judge them by their top 2 portfolio holdings. What's your top 2?

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Sourav Dutta

@Dutta_Souravd

14 days

The big bull market in commodities is under way. This is going to be life changing for those who play it well. Decade long run which started in 2020. Don't let this go. It comes once in 2-3 decades and can change your life. Last was in 2003-8.

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Sourav Dutta

@Dutta_Souravd

18 days

30 LPA salary, 1.7L monthly inhand Liability 1 Cr Home Loan 8L Car Loan 3L consumer/personal Loan Asset 2L equity MF 7L LIC policy 0 Emergency Fund 0 Health Insurance Salaried employee's path to staying middle class.

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Sourav Dutta

@Dutta_Souravd

19 days

Banks in Europe give 0% or negligible interest. People are forced to invest in stock markets. Banks in India too should stop giving interest for FDs. Only then will Indians become rich.

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Sourav Dutta

@Dutta_Souravd

10 days

I almost quit equities in 2018. Small cap bubble had burst. Portfolio -40% Confidence -70% Hope +200% Today I am financially free. Optimism and hope makes you a winner.

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Sourav Dutta

@Dutta_Souravd

1 month

Mistake investors make Buy at 200 Hold at 182 Hold at 175 Hold at 153 Hold at 176 Hold at 186 Sell at 192 Stock goes to 600

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Sourav Dutta

@Dutta_Souravd

24 days

If you start with 10 Lacs today and achieve 25% CAGR, 2034: 1 Cr 2044: 10 Cr 2054: 100 Cr Rakesh Jhunjhunwala and Ramesh Damani made their wealth through this simple learning. Magic of Compounding in equities!

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Sourav Dutta

@Dutta_Souravd

1 month

2012: CTC 10 lac, aspiration 15 lac car. 2022: CTC 60 lac, aspiration 15 lac annual dividend.

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Sourav Dutta

@Dutta_Souravd

17 days

2017: target 1 cr Networth 2021: target 5 cr Networth 2024: target 20 cr Networth You need to have a vision to aspire and hunger to execute to create serious wealth.

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Sourav Dutta

@Dutta_Souravd

14 days

Financial Independence number for me is 50X annual expenses. If your annual expenses is 10L, you need a portfolio of 5Cr to call yourself Financially Free. What is your FI number?

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Sourav Dutta

@Dutta_Souravd

13 days

Salaried class remains salaried all their life because they aim for higher increments every year but use all their income in FD/home loan. Don't be a money fool. Be deliberate about your equity allocation.

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Sourav Dutta

@Dutta_Souravd

19 days

With a salaried job, don't buy direct stocks unless you are passionate about the stock market. Just do SIP for 15-20 yrs and generate big wealth. Enjoy your life and automate investments.

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Sourav Dutta

@Dutta_Souravd

25 days

Portfolio compounds over time: 1st Cr - 8 years 2nd Cr - 9th year 3rd Cr - 10th year 4th to 6th Cr - 11th year 7th to 11th Cr - 12th year Patience and faith in equities is the only path to big wealth.

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Sourav Dutta

@Dutta_Souravd

4 months

TEN SIGNS OF QUALITY SMALLCAP STOCKS 1: 5 year ROCE > 15% if Debt to equity > .5 else ROE > 15% should be fine. 2: Debt to equity < 0.2 if market cap < 2500 Cr. Else must have continuous growing sales for 5 years. Avoid D/E > 1.5 3: Operating margin must not be below 10% in

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Sourav Dutta

@Dutta_Souravd

9 days

30 is the age when you should figure out what you want to be doing at 50. By 30, you start working towards your 50. My 50: trading + investing + loads of travelling. What's your 50?

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Sourav Dutta

@Dutta_Souravd

1 month

0 to 1 Cr - you need to work for your money. 1 Cr to 10 Cr - your money needs to work for you. Salaried employees rarely reach 10 Cr because they work for money and not let money compound for them.

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Sourav Dutta

@Dutta_Souravd

27 days

I have worked with 50+ HNIs and dollar millionaires. And observed their money habits closely. Here are 7 financial learnings from real life Crorepatis:

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Sourav Dutta

@Dutta_Souravd

14 days

Have a hectic job or lack passion for stock analysis? Invest through Equity MF. Don't do direct stocks. Choose the following portfolio: - 2 Flexi Cap -2 Small Cap -1 Nifty ETF Keep doing SIP for 15+ years to see the magic.

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Sourav Dutta

@Dutta_Souravd

26 days

Want to calculate your Networth easily? I have created an exhaustive calculator for you to self estimate your NW. Want me to DM it to you for FREE? • Like this post • Comment "Networth" • Follow my account

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Sourav Dutta

@Dutta_Souravd

19 days

Price rise in Kolkata in last 2 years: Fish : 400 per kg to 600 per kg Mango : 25 per piece to 70 per piece Flowers for Puja : 20 to 50 Milk : 18 per lit to 25 per lit Actual inflation 50-100% in 2 yrs. Govt. Inflation rate : 3.5%

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Sourav Dutta

@Dutta_Souravd

18 days

2015: CTC 20 LPA, SIP 50k 2022: CTC 60 LPA, SIP 2.2L In 7 years - CTC +3X, SIP +4.5X Key to wealth creation is increasing investment faster than income.

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Sourav Dutta

@Dutta_Souravd

11 days

25 LPA is middle class in India because Tax: 7 LPA Expenses: 17 LPA Savings: 1 LPA Emergency Fund, Health Insurance : 0 Instead, they would become rich if it was Tax: 7 LPA Expenses: 8 LPA Equity Investment: 10 LPA Emergency fund: 4L Health insurance for all members.

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Sourav Dutta

@Dutta_Souravd

2 months

My journey in the markets in a nutshell: 2012-14 - Invested in equity MF (70%) but at discretion. - Tried to time debt funds, realised not worth it. - Invested in P2P loans, lost money. - Put money in stocks through tips (mixed success). 2014-20 - Started 50K SIP in equity

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Sourav Dutta

@Dutta_Souravd

4 months

#WaareeRenewables Quick thought on madness of the markets in #Waaree 2023-24 Sales increase : 300 cr Receivables increase : 100 cr So one third of sales is done in udhaari. Itna toh mere locality ke kirana dukaan bhi udhaari Nahin deta. Also, this great company has 30k cr

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Sourav Dutta

@Dutta_Souravd

21 days

20 & 30 year olds, follow these rules: 1] Avoid buying new car 2] Take measured risks 3] Avoid credit card EMIs 4] Invest in ELSS for 80C 5] Don't buy a house 6]Build Credit Score using CC 7] Choose your friends wisely 8] Create 3 streams of income 9] Buy Health Insurance

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Sourav Dutta

@Dutta_Souravd

1 month

Getting a 10X is difficult because you need to: Buy at 100 Hold at 93 Hold at 82 Hold at 78 Hold at 83 Hold at 97 Hold at 150 Hold at 370 Hold at 220 Hold at 550 Hold at 960 Sell at 1000

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Sourav Dutta

@Dutta_Souravd

3 months

VIDEO ANALYSIS : Moschip Technologies Ltd. In this video we analyse: -Business Model -PnL, Balance Sheet and Cashflow statements -Red Flags and how to look at Euphoria Note: Listen @ 1.25X. Video also available on my YT channel.

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Sourav Dutta

@Dutta_Souravd

17 days

Financial rules to follow in your 20s/30s: 1] Avoid buying new car 2] Take risks 3] Pay credit card bills in full 4] Invest in ELSS for 80C 5] Don't buy a house 6] Build Credit Score using Credit Card 7] Create 3 streams of income 8] Buy Health Insurance 9] Invest 25%+ more of

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Sourav Dutta

@Dutta_Souravd

1 month

Buying a house before age 40 is stupid. Investing in PPF is even more stupid.

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Sourav Dutta

@Dutta_Souravd

23 days

I've seen many retire with a 10 Cr stock portfolio but haven't seen anyone retire with even a 2 Cr EPF portfolio.

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Sourav Dutta

@Dutta_Souravd

1 month

@PRSundar64 Really, someone with 16 cr lying around can just handover money looking at deep fake video. Sounds unbelievable.

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Sourav Dutta

@Dutta_Souravd

2 months

@GabbbarSingh Haha misguiding public who anyway can't go abroad. Those who can, know the real picture.

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Sourav Dutta

@Dutta_Souravd

1 month

If you have a 10 LPA job, try to create atleast 2 LPA (20%) of non salary income. It's not about the amount but the skills you develop in the beginning. Over time, the non salary income will take over your expenses.

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Sourav Dutta

@Dutta_Souravd

3 months

Life of a salaried individual Avg life expectancy : 75 years Education : 20 years Job : 40 years Retirement Life : 15 years We work 80% of life to relax for 20%. Instead, aim to achieve 50-50. Investment in equities will get you there.

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Sourav Dutta

@Dutta_Souravd

1 month

HNIs buy a 50L car when they can afford 1Cr. Middle class buys 15L car when they can afford 0. HNIs buy 3Cr house when they can afford 5 Cr. Middle Class takes 2 Cr home loan when they can afford 0.

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Sourav Dutta

@Dutta_Souravd

1 month

Big storm coming up in metals after the pain of the last few months. Tighten your seat belts people.

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Sourav Dutta

@Dutta_Souravd

16 days

I entered the stock market in 2012. - Started through MFs - Moved to direct stocks as knowledge improved - Sold out all MF as confidence improved Everyone needs to go through this path. Buy MF for the first 2 yrs in market.

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Sourav Dutta

@Dutta_Souravd

1 month

Top Financial learning from my father: Never loan money to relatives/friends. Treat that money as a grant or gift. Relationships get damaged when money comes in between.

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Sourav Dutta

@Dutta_Souravd

2 months

20-20 Investment Checklist: 1] PE < 20 2] ROE 20% 3] OPM 20% 4] CFO +-20% of PAT 5] Debt to Equity < 20% 6] 5 yr Sales growth 20% This will help you find top quality companies quickly.

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Sourav Dutta

@Dutta_Souravd

3 months

Basics of Balance Sheet In this video, we understand: > What is a Balance Sheet? > Basic components of a BS > What is Asset & Liability? > What are Inventory, Receivables & Payables? Do let me know your views.

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Sourav Dutta

@Dutta_Souravd

12 days

90% Indians: 1] Treat House as an Asset 2] Buy LIC plans as investment 3] Don't buy term insurance since there is no return 4] Invest in FD in cooperative bank for 1-2% extra 5] Participate in Chit Funds for regular cashflow 6] Give loans to friends expecting to be returned

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Sourav Dutta

@Dutta_Souravd

19 days

The only way to survive in F&O trading - have a capital of atleast 50L. Do cash trading instead if you have lesser capital. When I entered F&O in 2020, I had allocated 2-3 Cr in capital. First 6 months, lost 40L and stopped trading for almost a year. Analysed changed my

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Sourav Dutta

@Dutta_Souravd

20 days

Long term investor's journey: Stock price 100, 91, 86, 97, 116, 147, 221, 376 Dividend per share 1.25, 1.3, 1.5, 1.7, 1.9, 2.3, 2.7, 3.1 Dividend is purest form of passive income, stable and stress free.

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Sourav Dutta

@Dutta_Souravd

16 days

Start with 10L in 2024 At 15% returns in equity, 2029: 20L 2034: 40L 2039: 80L We OVERESTIMATE our POTENTIAL in the short run & UNDERESTIMATE our POSSIBILITY in the long run.

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Sourav Dutta

@Dutta_Souravd

11 days

You will never retire early if you: - Buy a car > 5% of net worth - Have > 10 lacs in Gold jewellery - Buy a flat for rent in a Tier 1 city - Make minimum payment on CC bills - Buy a house with > 25% of net worth - Invest > 20% of net worth in debt/FD - Have > 10% of net worth

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Sourav Dutta

@Dutta_Souravd

18 days

Money is made doing the DIFFICULT things like: - Holding stocks for 2+ years - Learning Fundamental Analysis - Keeping faith on Technical analysis - Delaying consumption - Not investing in debt products - Staying invested when market falls 20%

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Sourav Dutta

@Dutta_Souravd

2 months

@_AbhirupDutta 8 cr atleast.

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Sourav Dutta

@Dutta_Souravd

21 days

People earning between 15-40LPA have the most ego. They discover for the first time: - Disposable income for luxury expense - Positional power of people management - Stability in personal relationships This makes them do stupid things.

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Sourav Dutta

@Dutta_Souravd

22 days

No brokerage report will give the below call: "Buy HDFC Bank, Titan, Berger, Havells at CMP and hold for 10 years" They will instead give the below call: "Buy HDFC Bank at 1600, target 1700, SL 1550 for next 5 days" Brokers work for their commissions not investor interest.

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Sourav Dutta

@Dutta_Souravd

10 days

Long term investors always win Capital 1L Risk 1L Reward 1L, 2L, 5L, 10L and more In a bull run. Which are the multibaggers in your portfolio?

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Sourav Dutta

@Dutta_Souravd

28 days

A family friend's son got married in 2023. Double income couple with total salary around 40LPA. Within 1 year of marriage, they bought a house of 1.5 Cr. Funding: 1. 1.2 Cr Loan (20 yrs) 2. 20L given by groom's father from PF 3. Own Savings 10L Took Loan of 3L for house

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Sourav Dutta

@Dutta_Souravd

18 days

Don't try to time the market using MF. Let the fund manager do it. 1] Keep SIPs running for 10,15,20 yrs. 2] Increase SIP amount by 15% every year. 3] Invest all your bonus lumpsum into the MF portfolio. Simple way to become financially free.

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Sourav Dutta

@Dutta_Souravd

28 days

Most Indians are severely under invested in equities. Equity allocation less < 50% of net-worth during working years is foolish. A 25LPA earner won't have even 5L in equities. No wonder, middle class remains middle class.

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Sourav Dutta

@Dutta_Souravd

10 days

Income can come from: 1] Salary 2] Side hustle 3] Commercial RE 4] Stock market investments You can become a Crorepati by only salary. To add more 0s, you need all of the above.

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Sourav Dutta

@Dutta_Souravd

20 days

Diwali 2021 started a tough 18 months for investors. Diwali 2024 will be similar. Post COVID investors will get some rude shocks.

23

8

252

Sourav Dutta

@Dutta_Souravd

1 month

What would you prefer and why? A] 50 LPA job + portfolio of 10L in FD B] 20 LPA job + portfolio of 1 cr in equity MF

63

7

250

Sourav Dutta

@Dutta_Souravd

29 days

Always pay Credit Card bill in full. If you pay only minimum amount due, the remaining amount will be charged interest @ 35-40%PA from the day you spent the money. Easiest way to lose hard earned money.

5

18

243

Sourav Dutta

@Dutta_Souravd

22 days

I quit investing in direct stocks in 2018 after the small cap crash. Kept the MF SIPs going. Was almost about to stop that too. Thankful that I didn't. Kept faith and came back to direct equities.

9

10

238

Sourav Dutta

@Dutta_Souravd

4 months

Simple ROE calculation ROE = Profit after tax / Book Value Promoters start business with capital of 1Cr. After 1 year, company generates profit of 25 L Year 1 Book Value : 1 Cr Profit : 25 L ROE = 25% Year 2 Book Value : 1.25 Cr (profit gets added) Profit : 25L

8

63

235