Prableen Bajpai @PrableenBajpai Twitter profile

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Prableen Bajpai

@PrableenBajpai

2 years

My vegetable vendor happily accepts payments via UPI and other wallets but the POST OFFICE doesn’t! 😓 So many good schemes offered by PO are not available via a seamless online platform🤐 Plus the rigidity about the branch where a/c was opened🙄. This must change!

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Prableen Bajpai

@PrableenBajpai

3 years

don’t wait for the perfect time, the right salary or wrapping up other responsibilities to get started with investing start, even if it’s ₹1,000 / month a single drop of water from a tap at a time can fill a bucket #investing #personalfinance

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Prableen Bajpai

@PrableenBajpai

3 years

Along with #equity investing, it is important to build a #fixedincome portfolio (may sound boring) right from the beginning. 1️⃣Contingency fund is a non-negotiable—start building it! Do a SIP into a liquid fund. Don’t use it for any purchases! Should be 12X of monthly expenses.

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Prableen Bajpai

@PrableenBajpai

4 years

The #delisting of #Vedanta Ltd is proposed at a price of ₹87.5 per share. This is less than half of its 52 week high of ₹180. The current promoter shareholding is at 50.14%. Here’s my reply to a query on delisting and options available to investors in today’s @ET_Wealth .

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Prableen Bajpai

@PrableenBajpai

3 years

Tested Positive for COVID-19, again🤦‍♀️ Got it last year in April, and it was terrible then as I wasn’t vaccinated even once. Having cough with very mild fever this time around. Mask up. Vaccinate. #HealthIsWealth

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Prableen Bajpai

@PrableenBajpai

3 years

“Do not resent growing old, many are denied the privilege.” ~ Irish proverb

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Prableen Bajpai

@PrableenBajpai

3 years

#NewProfilePic

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Prableen Bajpai

@PrableenBajpai

3 years

More funds for #globalinvesting in the pipeline 1️⃣Mirae S&P500 Top 50 2️⃣DSP US Growth FOF 3️⃣Mirae HangSeng ETF 4️⃣Edelweiss Global Equity FOF 5️⃣DSP Global Innovation FOF 6️⃣ABSL Nasdaq100 FOF 7️⃣Edelweis MSCI Domestic Financial & Global Fintech50 Index 8️⃣IIFL Global Innovation Fund

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Prableen Bajpai

@PrableenBajpai

3 years

found an old pic…sitting comfortably on a black truck, all packed for our first posting Life is all about change and nothing teaches that better than #armylife BD Bari tenure was about studying for cfa, managing fauji wife commitments..realised it was easier to be D/O than W/O

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Prableen Bajpai

@PrableenBajpai

3 years

Our investment journey would be simpler if we first asked — WHY am I investing rather than asking WHERE and WHEN do I invest? Knowing the “why” can unlock 🔑 the answer to where and when. #personalfinance #investing

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Prableen Bajpai

@PrableenBajpai

2 years

start at 25 years, invest ₹10K/mth, keep ⬆️ by ₹1K/mth each year… a corpus of ₹2 Cr will be ready when you’re 45 STOP investing and leave it to grow 🌳, it will turn into ₹9.5 Cr by the time you turn 60, assuming 11% CAGR this can reduce pressure towards retirement years

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Prableen Bajpai

@PrableenBajpai

3 years

One #financial advice you’ll like to give to your child? #personalfinance #MoneyTalks

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Prableen Bajpai

@PrableenBajpai

1 year

fun meeting super girl @SejalSud impressed to see her zest, entrepreneurial skills 🚀 and clarity of thought about work and money

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Prableen Bajpai

@PrableenBajpai

3 years

Presentation of Parag Parikh Conservative Hybrid (NFO) covers the very basics in add to technical stuff. Gives reasons for a new launch and why a debt fund. It cautions—who should/should not invest (even @dspmf follows that). Very nicely done @PPFAS ...I really liked the point 4.

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Prableen Bajpai

@PrableenBajpai

3 years

#NewProfilePic

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Prableen Bajpai

@PrableenBajpai

3 years

posing with my boss baby post today’s interview ❤️ #DogsofTwittter #HomeOffice

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Prableen Bajpai

@PrableenBajpai

3 years

I’m fortunate to be a part of the #armedforces family as a daughter and wife. Everyone is not personally known but you know, they are your own. Here’s an extract from the 4 page letter Gp Capt Varun Singh wrote to the Principal, Army School Chandimandir (my alma mater) this year

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Prableen Bajpai

@PrableenBajpai

3 years

Its often hard to make a person understand the merits of #equity investing during #stockmarket downturns, but its even harder to make them understand the ‘risks’ in equities in times like the current market scenario. Investing cannot be about all or nothing🤦‍♀️ #investing

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Prableen Bajpai

@PrableenBajpai

2 years

Today, its 8️⃣years since I began my entrepreneurial journey with FinFix® Started with the intent to employ myself and a name in mind. Wasn’t sure of what I was going to do It’s been an incredible learning experience God has been kind🙏 Looking forward to the journey ahead🥂

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Prableen Bajpai

@PrableenBajpai

3 years

#EPF is a great #fixedincome tool to build a corpus for long term goals such as #retirement . It must be used effectively by investors. Here’s my reply to a readers query in today’s #ETWealth related to EPF earning interest post retirement.

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Prableen Bajpai

@PrableenBajpai

3 years

Sunday happiness 🏌️‍♀️ ⛰ ⛳️ 🌳 ☁️ #golf

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Prableen Bajpai

@PrableenBajpai

4 years

Interesting! #COVID19Pandemic

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Prableen Bajpai

@PrableenBajpai

3 years

a house 🏡 is important but before making a down payment + taking #homeloan , ensure that you have -a health🩺 + life cover -contingency fund💰= 12 months expenses + EMIs + investments + premium -continue to invest for retirement👴 My reply in today’s @ET_Wealth

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Prableen Bajpai

@PrableenBajpai

2 years

As a youngster if you can keep the savings set aside u/s 80C untouched—- it can help you build a very significant corpus over the long term. Don’t think short term when doing your tax planning. #investments #personalfinance

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Prableen Bajpai

@PrableenBajpai

2 years

Here’s are few options to generate #income during #retirement years. 1️⃣SCSS 2️⃣PMVVY 3️⃣RBI Floating Rate Savings Bond 4️⃣Post Office Monthly Income Scheme 5️⃣Bank FDs 6️⃣Corporate FDs 7️⃣SWP from MF 8️⃣Rental Income 9️⃣Dividends 🔟Annuities 1️⃣1️⃣Reverse Mortgage Anything else?

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Prableen Bajpai

@PrableenBajpai

3 years

I didn’t save from 1st #salary ..spent it all. I remember treating my husband with Chinese in a restaurant close to AFMC. Enjoy & create memories. But don’t go overboard..Strike a balance b/w Saving & Spending during worklife, to keep creating memories..when you don’t get a salary

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Prableen Bajpai

@PrableenBajpai

1 year

SCSS limit doubled to ₹30 lakhs 👏 👏👏

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Prableen Bajpai

@PrableenBajpai

2 years

What’s the one #personalfinance lesson you have learnt from your mom or dad through observation.

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Prableen Bajpai

@PrableenBajpai

1 year

jab we met offline :) @Sumaira_SBIMF

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Prableen Bajpai

@PrableenBajpai

3 years

usually giving advise on #personalfinance isn’t difficult…but then you come across questions and cases where it’s hard to provide a simple solution. here’s my reply to one such question..which I found difficult to answer…in today’s @ET_Wealth #MoneyManagement #query

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Prableen Bajpai

@PrableenBajpai

1 year

old tax regime provided a nudge to invest to claim deductions & save tax 80C introduced many to saving and investing the onus to save & invest will now be more on individuals going forward, especially younger generation so plan, save & invest for your future #personalfinance

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Prableen Bajpai

@PrableenBajpai

2 years

A day in Dilwalo Ki Dilli ❤️❤️ Crazy day with few meetings but managed to meet @Datta_karan & @connectgurmeet Karan—Wonderful gup chup around work & life! And golf ⛳️ Gurmeet — so much positivity and warmth. It was chai pe charcha this time! ☕️ Thanks for your time guys.

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Prableen Bajpai

@PrableenBajpai

3 years

2️⃣Contribute towards EPF (and/or PPF) for the longterm—they offer linear #compounding . 3️⃣Start a SIP in a #debtfund to cater to big purchases/expenses (to buy📱🚘downpayment for 🏠) A fixed income portfolio will ensure that your equity investments are not touched in times of need

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Prableen Bajpai

@PrableenBajpai

2 years

“Rule of 72” is a tool to know the interest rate or time period needed to double an investment Eg, If you want to double money in 5 years, you'll need to earn 14.4% annually for 5 years. At current rates, KVP & NSC will take 10 years to do that My reply in today’s ET Wealth

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Prableen Bajpai

@PrableenBajpai

3 years

long day but we three (👩‍👦+ 🐶 ) managed 817kms 🚙

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Prableen Bajpai

@PrableenBajpai

3 years

my definition of a perfect Sunday (even when it’s terribly sultry)! ⛳️ #golf 🏌️‍♀️

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Prableen Bajpai

@PrableenBajpai

2 years

Feeling frustrated that your 1-2 year SIP returns are low/negative The journey for SIP started in an active equity fund in September 2017 has been like XIRR 1st year: -14.76% 2nd: -0.28% This is when most investors lose faith Today 5th year: double-digit +Ve returns

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Prableen Bajpai

@PrableenBajpai

3 years

To ensure a comfortable #retirement , your marginal propensity to #invest should be more than the marginal propensity to #consume . MPI > MPC 📚 📊📈

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Prableen Bajpai

@PrableenBajpai

2 years

Building a corpus of ₹10 crores in 20 years— a goal for many investors On today’s #DiwaliSpecial #MFCorner , we did the math and discussed the ways to reach this target, using a moderate risk approach Here’s an excerpt from the interview @SumairaAbidi

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Prableen Bajpai

@PrableenBajpai

2 years

Route to invest🌎 is open through FOFs where Master Fund is an ETF Kotak Nasdaq 100 ABSL Nasdaq 100 DSP Global Innovation Navi US Total Market Kotak, ABSL track Nasdaq 100 via iShares NASDAQ 100 ETF DSP provides exposure to Nasdaq 100 & ICE Semiconductor Index via iShares ETF

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Prableen Bajpai

@PrableenBajpai

3 years

Allocation of #retirement corpus If regular #income needed, •SCSS •PMVVY •Debt funds (SWP) •Deposits (bank, corporate, PO) In other cases, •RBI floating interest rate bonds can be added Some % to #equity should be done to combat #inflation My reply in today’s @ET_Wealth

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Prableen Bajpai

@PrableenBajpai

4 years

#PPF is one of the best schemes within the #fixedincome product basket. It offers risk-free returns + benefit of #compounding + exempt-exempt-exempt status. Many people want open more than one a/c (self and minor). Can you do that? My reply to a query in today’s @ET_Wealth

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Prableen Bajpai

@PrableenBajpai

5 years

Sound advice. #Equity #MutualFunds are not for you if: Source: scheme info @PPFAS #investing

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Prableen Bajpai

@PrableenBajpai

3 years

gorgeous sunday afternoon ⛳️

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Prableen Bajpai

@PrableenBajpai

2 years

#FinancialPlanning for individuals in their 30s Create an excel with your income, assets and liabilities List your goals, factor in inflation Plan investments accordingly by mapping to goals Here’s an excerpt from the interview with @_soniashenoy Using 6% inflation

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Prableen Bajpai

@PrableenBajpai

2 years

This is too funny and cute ! Wednesday morning humour 😊😊 source— WhatsApp forward

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Prableen Bajpai

@PrableenBajpai

4 years

To new hopes, opportunities and horizons 🌈 🌌 Wish you a great year ahead 💫 #NewBeginnings #Diwali2020 #Diwali

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Prableen Bajpai

@PrableenBajpai

3 years

Such days 📈📉 help us to discover (realise) our own risk appetite! #investing #riskmanagement

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Prableen Bajpai

@PrableenBajpai

2 years

more and more people want to retire early. however, don’t be in a rush! 3-4 decade long #retirement period requires more planning than we may think also ₹1crore is assumed “sufficient” to manage expenses, don’t assume do the math hard realities my reply in today’s ET Wealth

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Prableen Bajpai

@PrableenBajpai

3 years

#Tesla was listed on #Nasdaq in 2010. On July 15, 2013, Tesla replaced Oracle to became a part of the #Nasdaq100 Index. It had a #MarketCap of approx $12.8 billion back then. Tesla was included in the S&P500 Index in December 2020 at a market cap of approx $650 billion. $TSLA

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Prableen Bajpai

@PrableenBajpai

3 years

Saluting the supreme sacrifices by our brave hearts, and their families. So proud to be a part of the Armed forces family, as a daughter and a wife. #VijayDiwas 🇮🇳

Gurmeet Chadha

@connectgurmeet

3 years

Our Armed forces ❤️ - I bow in respect and deep gratitude. “Aap hain toh hum hain” #VijayDiwas

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Prableen Bajpai

@PrableenBajpai

2 years

Feeling immensely blessed … blissful darshan at Shree Gurudwara Dukhnivaran Sahib Ji 🙏🙏 Satnam Shri Waheguru

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Prableen Bajpai

@PrableenBajpai

3 years

Crux from yesterday’s spaces with @iRadhikaGupta @KirtanShahCFP @avasthiniranjan 1️⃣purpose, #fixedincome = add stability & ≠ generate supernormal returns 2️⃣match investment horizon = duration 3️⃣consider both credit & duration risks 4️⃣create🪣 based on goals 5️⃣keep it simple

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Prableen Bajpai

@PrableenBajpai

3 years

Indian #mutualfund investors will soon have access to five U.S. indices via passive route. Here’s a chart showing top 10 holdings, % allocation, total constituents and schemes* which provide an investment opportunity. #globalinvesting 🇺🇸 *some are yet to be launched

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Prableen Bajpai

@PrableenBajpai

4 years

As a retiree, majority people manage monthly household #expenses by earning an #interest income on lifetime #savings . The situation gets hard when #interestrates start to fall. Here are some options available for a #seniorcitizen looking for capital preservation + regular income.

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Prableen Bajpai

@PrableenBajpai

3 years

more and more choice to invest in China 🇨🇳, Hong Kong 🇭🇰 and Taiwan 🇹🇼 🔎while Edelweiss and Axis give exposure to all 3 🔎funds from Nippon, Mirae and Navi offer a more focused exposure to just one of them 🔎Mirae takes a sector specific approach —will track Tech Index in HK

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Prableen Bajpai

@PrableenBajpai

2 years

‘Life is a balance of holding on and letting go’ ~ Rumi #quotes #life #FridayFeeling

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Prableen Bajpai

@PrableenBajpai

4 years

According to EPFO, almost ₹27,000 crore of unclaimed amount is lying idle in dormant #EPF accounts. It is so important to ensure a compact #investment basket with limited products—easily accessible and updated with relevant information. My reply to a query in today’s @ET_Wealth

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Prableen Bajpai

@PrableenBajpai

4 years

🏡 home, once upon a time. #memories 🌲🌳⛰

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Prableen Bajpai

@PrableenBajpai

3 years

What has been your investment mantra? #personalfinance Just mention a broader strategy, not any individual products. Of course — Something that worked for you, of course may or may not be suitable for others. #investments

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Prableen Bajpai

@PrableenBajpai

2 years

Good report by @WhiteOakCap on #SIPs in #equity #mutualfunds . Gives data backed answers to questions on frequency, time of the month, market cap and most importantly tenure ! @AashishPS

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Prableen Bajpai

@PrableenBajpai

2 years

If documents related to investment and insurance products could be limited to 1-2 pages and simpler language (especially terms and conditions)… it would go a long way in helping investors make more informed and better decisions. #personalfinance 📄🗒📑

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Prableen Bajpai

@PrableenBajpai

3 years

Clarity on exit strategy is important. So, when should you exit an #equity mutual fund investment? 📈as you get closer to the financial goal? 📊to rebalance asset allocation? 📉move out of an underperforming scheme? 💰profit booking during euphoric markets? What’s your view?

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Prableen Bajpai

@PrableenBajpai

3 years

my cutest and most effective alarm clock⏰ #DogsofTwittter ♥️

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Prableen Bajpai

@PrableenBajpai

3 years

my little stress buster aka little झाड़ू choor ♥️

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Prableen Bajpai

@PrableenBajpai

1 year

It was a pleasure speaking to E3 batch of #AFMC on #personalfinance These cadets will soon be commissioned officers of 🇮🇳 Armed Forces It was a humble attempt to share my learnings of personal finance and army life as a daughter & wife Thanks to Mirae for joining

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Prableen Bajpai

@PrableenBajpai

2 years

one of my favourite morning rituals 🌱 🪴 💦 #summers #planttwitter #plants

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Prableen Bajpai

@PrableenBajpai

4 years

When it comes to #investing #globally , there is no single strategy that is followed by #mutualfunds . The segment of international investing is heterogenous with various kinds of funds, structures, management styles and exposures (country, region, theme).

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Prableen Bajpai

@PrableenBajpai

3 years

simple can be boring but effective 🔖security net (contingency fund) is a must 🔖don’t undermine any asset class — each has a role to play 🔖clarity on goals and time horizon is crucial 🔖set realistic targets and have reasonable expectations My reply in today ET Wealth

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Prableen Bajpai

@PrableenBajpai

4 years

absolutely wonderful meeting @mohanty_swarup today. So much positivity and great industry insights.

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Prableen Bajpai

@PrableenBajpai

3 years

“Acknowledging what you don’t know is the dawning of wisdom.” ~ Charlie Munger #quotes

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Prableen Bajpai

@PrableenBajpai

3 years

Amid the ongoing chip shortage, Tata has filed for a semiconductor FoF. Tata Global Semiconductor FoF will invest in overseas fund(s) which invest in #semiconductor and related industries.

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Prableen Bajpai

@PrableenBajpai

3 years

@connectgurmeet I love the name ! as punjabis we just want to make it easy for everyone to identify us by adding jit, preet, meet, jot, deep, and of course leen :)

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Prableen Bajpai

@PrableenBajpai

1 year

Decent hike in few of the small saving schemes. SCSS up to 8.2% SSY at 8% MIS at 7.4% A hike of 0.7% in National Savings Certificate (NSC) which will now offer 7.7% interest. The hike in NSC interest will take the RBI Floating Rate Bonds to 8.05% ⬆️

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Prableen Bajpai

@PrableenBajpai

2 years

It’s more like a 50K SIP vs a car loan with a 50K EMI to get a Merc perhaps Like you said, it’s a great message and good that investors are sticking to SIPs

Kirtan A Shah 🇮🇳

@KirtanShahCFP

2 years

While this is a very good headline, I don’t think most 50k SIP investors can logically afford to buy + maintain a Merc. They definitely aspire! P.S. - I agree with the message, investors are becoming more aware & doing the right thing, investing.

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Prableen Bajpai

@PrableenBajpai

3 years

Was speaking with a client. Her son has just started earning (gets ₹30K/month) All is spent on weekend outings as he is staying with them and leads a life which a person earning in lakhs/month can afford She is worried that it will give him a wrong sense of how money is managed

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Prableen Bajpai

@PrableenBajpai

3 years

adding some #positivity 😊😊 recovering from covid, I have slowly begun working again... 📖 👩‍💻 📊 with Newton baby on my side ♥️♥️ although posing here, he is mostly sleeping 💤 while I work #StayStrongIndia

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Prableen Bajpai

@PrableenBajpai

3 years

#mutualfunds are a good tool to create longterm wealth, however, few things need to be understood - keep return expectations realistic - growth will be non-linear - downturns are unavoidable - don’t panic & exit - don’t chase superior past returns my reply in today’s @ET_Wealth

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Prableen Bajpai

@PrableenBajpai

3 years

don’t fall in love with an asset class, stock, scheme, strategy or style. it can hurt 💔 your portfolio #personalfinance #assetallocation #investing

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Prableen Bajpai

@PrableenBajpai

3 years

| Wonderful being on #SmartMoney today #OnCNBCTV18 with @ViramShah8 and the lovely host @_soniashenoy . We discussed direct investing into global stocks. Why invest in U.S. markets? What is process? Tax & compliance angle. Advantages & disadvantages.

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Prableen Bajpai

@PrableenBajpai

3 years

“The only impossible journey is the one you never begin.” ~ Anthony Robbins #MondayMotivation

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Prableen Bajpai

@PrableenBajpai

1 year

According to our understanding at @finfixindia based of current positioning of schemes, taxation for categories will be as under Variation within schemes will exit for balanced advantage/DAAF & multi asset category Majority are in scenario II & III, rest r likely to reposition

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Prableen Bajpai

@PrableenBajpai

3 years

Here’s an overview of the ACTIVE #mutualfunds providing exposure to the U.S. markets. Nippon and ICICI manage portfolio directly via brokerage a/c while IDFC, DSP, SBI, and Franklin follow a FOF format and provide U.S. exposure via an active MASTER fund @finfixindia

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Prableen Bajpai

@PrableenBajpai

5 years

Closing a #demat account can be challenging if one is stuck with #delisted #shares or shares of companies with very thin #volumes . How do you bring the #account balance to nil to be able to close it? Here’s my reply to one such #query in today’s @ET_Wealth #markets #stocks

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Prableen Bajpai

@PrableenBajpai

3 years

At the end of 1999, Microsoft had a market cap of $606B, P/E of 73 & revenue of $19.75B for FY1999 End 2013, market cap was $312B with P/E of 13! Revenue for FY2013 was $77.85B Today, MSFT has a market cap of $1.8T and a P/E of 32.73. It’s revenue for FY2020 was $143B !

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Prableen Bajpai

@PrableenBajpai

1 year

currently 1- 2-year SIP in Nifty 50 is currently showing XIRR of 6.4-6.8% and these are the times when many start to lose faith and even exit.. patience is tested many times

Gurmeet Chadha

@connectgurmeet

1 year

A time correction can be frustrating as u don’t see portfolio going anywhere. Specially if you are 2-3 years into mkts In ur 15-20 year journey , u will get many time & price corrections. Sometimes both. A 2-3 year consolidation is rewarded handsomely if u stay disciplined!

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Prableen Bajpai

@PrableenBajpai

4 years

Some #moneylessons that you may have learned from your #parents . - spend less than u earn - think before spending (do u really need it?) - save regularly, especially for a rainy rain - plan for future expenses - curtail expenses - avoid loans - be content with what you have

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Prableen Bajpai

@PrableenBajpai

3 years

#HappyHoli 🌈

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