Arun - Eighty Twenty Investor @arun_kumar_r Twitter profile

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Arun - Eighty Twenty Investor

5 months

I'm super excited to announce that my debut book, 'The 80-20 Money Makeover: A Simple Yet Powerful System to Transform Your Financial Future' is getting published by Harper Collins India and is now up for pre-order on Amazon! 😃 Happy investing :)

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 months

7-5-3-1 Rule! A simple framework to improve your SIP experience and long term results!

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 year

1/n Are Small caps in a bubble? Here is a quick summary of our 5-Lens Framework to evaluate small Caps where the attempt is to try and "see the elephant"

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 months

Are Small caps in a bubble? (Mar-2024 Update) Here is a quick summary thread of our 5-Lens Framework to evaluate small caps where the attempt is to try and "identify the elephant" Source: FundsIndia

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Arun - Eighty Twenty Investor

@arun_kumar_r

2 years

Happy to share my recent interaction with Livemint on how I build my personal portfolio.

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

Market Outlook: Conversation with my wife (runs a Brownie chain) Will you sell me your entire business for 30% lower compared to last month because of Coronavirus? Her response: What bullshit! Me: Which is why we are buying Equities now :)

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

1) Setting the Right expectations: Sensex intra-year declines for the last 40+ years... What is your takeaway?

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

U and ur friend are pitch drunk. He decides to drive back. U think its risky and take an uber. Unfortunately ur uber meets with an accident. But ur friend somehow drives back home safe. Who took a better decision? Outcome is not always representative of the quality of decision!

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Arun - Eighty Twenty Investor

@arun_kumar_r

2 years

Everyone says "Invest in Equity SIPs for the Long Term". But how long is “Long-Term”? Time for a thread...

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Arun - Eighty Twenty Investor

@arun_kumar_r

26 days

Building the first Rs 1 crore is the hardest. Incrementally, every crore gets a lot easier. Why? Simple Math... 1 to 2 cr requires 100% returns (6 years at 12% CAGR) 2-3 cr requires 50% returns (3.5 yrs) 3-4 cr requires only 33% returns (<3 years) Eventually at 10 cr, the

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

If I can be financially free by 45, I won't really care if I beat Nifty or not. All I really need is someone who can push me to save more regularly, give a sense of where I am and check if I am on track, and just keep me invested through tough times without making big mistakes.

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Arun - Eighty Twenty Investor

@arun_kumar_r

11 months

My Equity SIP Experiment - A Personal Account of Investing over the Last 5 years... What was the plan? Start. Keep it Simple. Be Patient. But does this work? Let's find out...

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 years

My presentation for Tamil Nadu Investor Association - 6 reasons why we panic during a market correction

6 reasons why we panic during a market correction

Recently I had the opportunity to make a presentation for Tamil Nadu Investor Association. I had covered the various psychological biases which impact us during a market correction and some possibl…

eightytwentyinvestor.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 year

Here is what happened to my Equity SIP portfolio after 4.5 years...

My Equity SIP Experiment – A Personal Account of Investing over the Last 4.5 years

Backdrop I have been running a live Equity SIP portfolio with my own money since Aug-18 with the intent of motivating and encouraging you to start yours.If you are new to the concept of Equity SIPs…

eightytwentyinvestor.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

A Visual Primer on Indian Equity Market Volatility!

This Happens!

Markets go up and then they go down. Over time they go up more than they go down. Read on to know the market trends...

www.fundsindia.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 years

Money is about having options - to have control over 1) What do you want to do today 2) Who do you want to do it with 3) How long do you want to do it 4) Where do you want to do it @morganhousel

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Your investment success will finally boil down to your ability to (1) save and invest on a regular basis (2) not sell during a panic (3) say no to the latest fad in a bull market (4) stay patient

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 years

1)A lot of fear mongering on SIPs. This will clear out some of the fears..

Long term SIP is not risk free, yet you can workaround it

10 minute read

eightytwentyinvestor.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Right now even if I have the best shoe on earth I won't be able to complete a marathon. I need to train myself for endurance before I worry about the shoe. Before you worry about the best fund, start to save >30% of salary and invest consistently every month for the next 10 yrs

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Why is it extremely difficult to exit and enter back equities sidestepping a fall? All falling markets have several false upsides and similarly recoveries have several false downsides. To identify which is the real one is only possible in hindsight!

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

Ever wondered what "Equities are Volatile" really meant? Here is what the last 42 years, show us... A quick thread...

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 months

7-5-3-1 Rule! A simple framework to improve your Equity SIP experience and long term results! (Reposting with a sharper image for better readability)

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Arun - Eighty Twenty Investor

@arun_kumar_r

8 months

10-20% temporary falls happen almost every year. In the last 44 years, there were only 4 years where the intra-year fall was less than 10%. Last year was one of these four years!

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Worried about the next bear market. Introducing The Courageous Investing Movement – Are you in?

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Arun - Eighty Twenty Investor

@arun_kumar_r

10 months

1) Time is an underrated investment strategy. Investing in Indian Equities with a 7 year time frame has historically led to a good experience. But what about periods where 7 year returns were subpar?

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

My SIP Portfolio completes 1 year. Its time for a review..

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Celebrating 100 blog posts. Thank you everyone for the love and support. Indebted forever.. Find my latest blog post.. Enduring long term investing, one movie at a time

Enduring long term investing, one movie at a time

Thinking like a movie producer, may help you become a long term equity investor..

eightytwentyinvestor.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Nifty Next 50 - a peep behind the scenes

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

1/4 Thumb rule to understand Inflation: RULE of 2 In India, Inflation historically has been around 7%. Boring Stat! Here is what this really means - Our COSTS DOUBLE EVERY 10 YEARS! So if our money doubles in the next 10 years, we are still at square one!

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

This a mind blowing presentation and conversation..

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

While I have no clue when the next bear market is coming, going by history, a fall in the range of 30-60% can be expected once or twice every 7-10 years.

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

The toughest part in passive investing, is the fight against own ego to accept that "The best I can be is average - like everyone else".

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

Everyone talks about Asset Allocation. But no one tells you how to choose one. Here is a thread on how to do it 👇

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 year

1/n Indian equity markets are close to their previous all-time highs. It’s normal to feel uneasy and think they might drop. To add to this unease - the last few times the markets fell 10-15%, after hitting all-time highs. What should you do? Time for a thread🧵

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 months

Dream come true! What started as a simple blog to share my frameworks, mistakes & learnings has now translated into a book - puts together 13 yrs of real life learnings & provides a simple practical playbook based on behavioral science to build wealth :)

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 year

You had started investing your monthly savings into Indian equities convinced about the India long-term story & the benefits of automating your investments via SIP. But now after two long years, your Equity SIP returns (Nifty 50) is a paltry 2%! What should you do?

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 months

It's been 5 1/2 years since I first started my Equity SIP with a simple strategy... Curious about the results? Find out here:

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 year

Jargon: Power of Compounding What it means to you: 8-4-3-2 rule 30K SIP @ 12% returns -> 🥱 First 50 lakhs takes 8 long years... 😁 Second 50 lakhs takes only 1/2 the time at 4 years! 😆 Third 50 lakhs takes 3 years! 😎 Fourth 50 lakhs takes just 2 years!!

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

This is a masterclass on debt mutual fund investing by Suyash Choudhary - IDFC MF. Personally learnt a lot from this interaction. Do give it a listen :)

FundsIndia Behind The Returns | E06 | Mr Suyash Choudhary - Fixed...

Mr Suyash Choudhary (Head of Fixed Income, IDFC Asset Management) in this candid discussion with our Research Head Mr Arun Kumar, shares his insights on the ...

www.youtube.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 month

While everyone is going berserk calling this a crash, here is a gentle reminder from the last 44 years on what 'equities are volatile' really means.. Temporary declines of 10-20% are as regular as birthdays—you should actually be surprised when they don't occur. The markets

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Arun - Eighty Twenty Investor

@arun_kumar_r

9 months

Always a pleasure to listen to EA Sundaram - extremely articulate + simple time tested investment approach. Several decades of experience compressed into this presentation. Well worth your one hour.

My Learnings As A Portfolio Manager | EA Sundaram | 7th Value...

The Indian Association of Investment Professionals (IAIP), the India Society of CFA Institute, was established in Apr 2005 as an association of local investm...

www.youtube.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 months

Fascinating Data from DSP Netra @SahilKapoor Despite Japanese equity markets going through a bear market for decades, the 30 Year SIP Real Returns for Japan is pretty close to the best markets - US & Indian Equity markets!

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

What will happen to equity markets next? Your maths teacher may have the answer!

What will happen to markets? Your maths teacher has the answer..

Markets close to 40% decline from the highs. This means mathematically it has 67% upside from 40% decline to recover back in the future.

www.fundsindia.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Internet may soon become the world's best business school.. with curiosity as the only admission fee!

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Arun - Eighty Twenty Investor

@arun_kumar_r

2 years

Peter Lynch managed the Fidelity Magellan Fund from 1977 to 1990 and over that period the fund returned a whopping 29% annual return. Guess the return of his average investor?

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Ten years from now, you will wish you had simply started to invest every month!

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Arun - Eighty Twenty Investor

@arun_kumar_r

9 months

The latest Wealth Conversations is out! A simple visual curation of (really) long term investment insights to help you become a better investor. Skip this if you are looking for yet another monthly update presentation on what happened to the market.

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

My Equity SIP strategy for the last two and half years

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

This was a conversation I really enjoyed. Watch @KalpenParekh , CEO of DSP Mutual Fund share with us his thoughts on Investment Frameworks, Evaluating Fund Performance, Portfolio Construction, Active vs Passive, Asset Allocation etc

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

I eavesdropped into one of the best minds (Naval Ravikant) talking for free. Thank you internet :)

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

An interesting anecdote on second order effects from the book The CEO Factory.

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

An interesting video on the coffee can approach..AMCs can try similar videos with fund managers explaining their thought process and philosophy. Will help to shift focus from returns (not under control) to investment process (under control)

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 years

In search of the holy grail – Exit at the top & Enter at the bottom strategy

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Notes to Self: When a mid/small cap buy call is given by a fundhouse, check if the trend of mid/small cap exposure in their multicap fund also confirms the view! If no, it's either a size constraint or lack of conviction in the view.

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Arun - Eighty Twenty Investor

@arun_kumar_r

2 years

I have been running a live Equity SIP for the last 4 years. Here is what happened...

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 year

There is always a reason to SELL Indian Equities! Which is why 'How to stay Invested' is the hardest problem to solve.

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

A Quick Thread: Temporary market falls of 10-20% happen almost every year and large 30-60% falls can be expected once every 7-10 years. Anytime there is a market fall, this also pulls down your existing SIP returns. Here is how different falls impact a 12% & 15% SIP return

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Dont miss this one..Ramit Sethi is one of the smartest minds!

Developing a Point of View with Ramit Sethi

“Do I just sound like everyone else?” Whether you’ve been creating content for ten weeks or ten years, you’re familiar with this question. You’ve thought it,...

www.youtube.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Interesting case study on how to look out for accounting red flags @amey153

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Daily reminder to Self : What happens in the next month will have zero impact on your 10/20/30 year investment plan.

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

The communication from DSP on their strategies has been extremely good. Yet another insightful note!

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Arun - Eighty Twenty Investor

@arun_kumar_r

2 years

Happy to share the September 2022 edition of Wealth Conversations! Our monthly visual curation of long term wealth creation insights covering different asset classes from an Indian perspective. A sneak peak at one of my favourite slides...

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 months

The first review for my book! Feels super nice :) Review on Amazon: "The 80-20 Money Makeover" A DIY Investor's Dream Book by Arun Kumar.

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

Trying to predict next 1 year returns? A humble reminder of what we are up against!

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

Can you name 5 investors in India who sold out of the market before the 2020 Covid crash, 2008 crash and entered back at the bottom?

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

SCALE Framework 1) Saving more > Returns in early part of career 2) Cycles matter 3) Asset Allocation > Security selection 4) Less is more - Few good decisions + Fund managers 5) Expense - lower the better

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 years

What no one told you about the mind blowing mid and small cap returns

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

Different Asset Allocation Strategies tested over 90 years. An interesting read...

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Arun - Eighty Twenty Investor

@arun_kumar_r

25 days

Did you know? Despite the Indian equity markets having intra-year declines every year, 35 out of 44 years actually ended with positive returns! For more such interesting insights, check out the latest edition of FundsIndia Wealth Conversations! Happy Investing :)

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Arun - Eighty Twenty Investor

@arun_kumar_r

9 months

Here is a framework that we have consistently applied over the last 4 years to evaluate all time highs. Helped us cut through the noise and focus on what really matters (earnings, valuations and sentiment).

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Fitness programme for Arnold is far different from yours. Make sure your investment strategy is truly "yours"!

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

When you are tempted to shift to a new fund, You are lured by the 3/5 year performance as on today But instead look at what was the 3/5 year performance, going back 3/5 years (when you should have actually invested to get the current returns) You will have your Eureka moment!

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

Checklist for evaluating debt funds

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

Exploring a framework to evaluate Gold as an investment..

Should You Invest In Gold?

Though recent past shows strong return, remember that there were several instances where investing in Gold had extended periods (7-10 yrs) of weak returns.

www.fundsindia.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Your "Spending" review is as important as your "Investment Portfolio" review! Have you done yours?

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Arun - Eighty Twenty Investor

@arun_kumar_r

14 days

My first book 'The 80-20 Money Makeover' has crossed 50+ reviews on Amazon with a 4.7 star rating 😄 Thanks a ton everyone for the love and support 🙏 It took me 4 years to write this book and distills all my real life learnings of the last 14+ years. I promise it will add a

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

Why Is The Equity Market Up While The Economy Is Down?

Despite all the bad news, equity markets have rallied a whopping 46% from their March lows! But why? How do you interpret this sharp move?

www.fundsindia.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

How am I reducing my portfolio volatility? I haven't checked my portfolio returns for almost a month :) Automated SIPs simply get executed with no emotions. Got another 20-25 years more to go. My future savings still account for 85% of my portfolio!

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 months

1/n A lot of you have asked me about the 'five finger' strategy to build equity portfolios. Here is a thread explaining the strategy...

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

A 6 month review of my SIP portfolio. I have also included a new short term framework to set the right return expectations..

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Arun - Eighty Twenty Investor

@arun_kumar_r

1 month

There is always a reason to sell Indian Equities.. If markets go up, the reason is 'all time highs'. If markets go down, the reason is 'Bad News + the fall looks like the start of a large crash' Staying Invested is hard. Image Inspiration: riholtz wealth

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Should I Exit Equities?

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

This is a gem of a post!

Stable Investor

@StableInvestor

5 years

How to use Different Mutual Funds for different Financial Goals? Details – #financialplanning #retirementplanning #personalfinance #mutualfund #insurance #investment

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

Good Investing boils down to 2 things: 1. How grounded you are in a bull market 2. How patient you are in a bear market

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Wealth is built by concentrated holdings, but wealth is protected by diversification!

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

A strong stomach to stay the course is more important than a great brain to pick an investment strategy!

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Yet another gem of a presentation!

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

Some learnings from past few months: 1) Handling bear markets finally boils down to psychology 2) Having a pre-defined what if things go wrong plan (when to invest + how much to invest + where to invest) creates the much needed 'feeling of control'

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 years

If you thought "how to invest" was a huge problem, brace yourselves.. here comes a bigger one..

The secret war on your savings has already begun!!

10 minute read

eightytwentyinvestor.com

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

In negotiations, he who cares the least wins - Tim Ferris

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Arun - Eighty Twenty Investor

@arun_kumar_r

2 years

If you had to invest in equity mutual funds today, which funds would you choose? You will naturally choose a few funds (say 5 funds) with the highest past performance (say 3-year performance). But have you ever wondered what the ranking of these funds were 3 yrs back?

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

Amazing video. Systems thinking in day to day life..

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Arun - Eighty Twenty Investor

@arun_kumar_r

6 years

How to select equity mutual funds the Eighty Twenty Investor way

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Arun - Eighty Twenty Investor

@arun_kumar_r

3 years

A brilliant talk by EA Sundaram on his investment philosophy...

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Arun - Eighty Twenty Investor

@arun_kumar_r

11 months

A simple behavioral trick to navigate temporary declines: 80% Rule Whenever you check, imagine your equity portfolio value at 80% of your recent equity portfolio peak value. As long as your portfolio value is above this, consider it to be 'NORMAL'! Why 20%? 👇

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Arun - Eighty Twenty Investor

@arun_kumar_r

5 years

An interesting watch on India Equity Outlook for the next 10 years

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Arun - Eighty Twenty Investor

@arun_kumar_r

2 years

Equity SIPs have delivered good returns over the long term... But why do most of us give up midway? This is because we are not prepared for the three punches that an Equity SIP delivers in the initial years! Here is what you need to know 👇 1/n

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Arun - Eighty Twenty Investor

@arun_kumar_r

4 years

A few years down the line, when you see good returns from equities, you will think making money is easy. Remember those returns are made by those who invest now and you know how painful it is. Whether you invest or not, do remember - It is simple but never easy!

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