Niranjan Avasthi @avasthiniranjan Twitter profile

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Niranjan Avasthi

@avasthiniranjan

4 years

Compiling all my threads and articles here. Do read and share if you fing them useful.

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Niranjan Avasthi

@avasthiniranjan

2 years

Don't miss the fun. Late Pramod Mahajan explaining Indian democracy. Last few days were no different.

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Niranjan Avasthi

@avasthiniranjan

2 years

At times this place is just ruthless. 😬

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Niranjan Avasthi

@avasthiniranjan

2 years

Now who made this 😂

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Niranjan Avasthi

@avasthiniranjan

3 years

Price tag... 🧵 One Sunday morning in pheonix mall at mumbai something unusual happened. Customers noticed shirts with price tag of Rs. 20k+, pair of trousers for Rs.15k+. A leather wallet for Rs. 13k and a jacket for mind-blowing Rs. 40k. 1/11

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Niranjan Avasthi

@avasthiniranjan

1 year

Over diversified portfolio be like 😀

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Niranjan Avasthi

@avasthiniranjan

3 years

Happy weekend folks 🙂

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Niranjan Avasthi

@avasthiniranjan

3 years

A sure shot way to come out of poverty is education and hard work. Not stock market, bitcoins, lottery, MPL, etc...

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Niranjan Avasthi

@avasthiniranjan

11 months

Had a chat with a retired person yesterday – turns out, he is a real estate whiz with six properties rented out in Bangalore, Pune, and Mumbai, totaling an investment of 11 crores. The rental yield? Around 3%. His routine involves a monthly tour to all these spots, keeping a

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Niranjan Avasthi

@avasthiniranjan

5 years

If only stock price was an indicator of quality then these businesses wud never be what they are today. During 2008-09 HDFC fell over 60% Kotak fell 80% Bajaj Finance fell 88% Asian Paints fell 45% TCS fell 60% Never b obsessed with price movements -↗️ or ↘️

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Niranjan Avasthi

@avasthiniranjan

8 months

A cousin just purchased their second real estate property for investment and shared the news in the family WhatsApp group. Congratulations and blessings poured in. Their standing in the family in terms of wealth went up multiple notches today. Now, contrast this with investing

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Niranjan Avasthi

@avasthiniranjan

3 years

My cousin sister, who invested only in FDs till date, has started investing in Cryptos. When I asked why, she said why not? Cryptos are giving better returns just in few weeks. Btw..she knows nothing about cryptos, she believes it is something similar to stocks. 😭

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Niranjan Avasthi

@avasthiniranjan

4 years

Such a nice thought by @AxisBank Loved it and will definitely do it.

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Niranjan Avasthi

@avasthiniranjan

6 months

Looks like Gold and Sensex are moving together since 2010.

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Niranjan Avasthi

@avasthiniranjan

4 years

Union budget proposed big rise in Capital Expenditure. What does does it mean? A simple thread to understand Capital Expenditure vs Revenue Expenditure and its potential impact on the economy. And why this may lead to rotation in sectoral winners. 1/n

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Niranjan Avasthi

@avasthiniranjan

3 years

Ultimately someone will come and put the correct price tag. Keep eyes open and senses alive. **End** 11/11 Reference from a whatsapp forward on life.

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Niranjan Avasthi

@avasthiniranjan

4 years

The only race where a lazy person can win against an active guy is ... Equity investing!

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Niranjan Avasthi

@avasthiniranjan

3 years

With 105 mn people investing in cryptos in India, it has put MF's 25yrs of existence far behind. How cud this be explained 🙄

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Niranjan Avasthi

@avasthiniranjan

1 year

Rakeshji would be smiling from the heavens ☁️☁️☁️ May his soul remain bullish on India. Always. #Nifty20k

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Niranjan Avasthi

@avasthiniranjan

3 years

This quick adaption to change and survival skills come without an MBA degree. Pic credit @indira_laisram

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Niranjan Avasthi

@avasthiniranjan

6 months

43 Years of SENSEX Data That Will Blow Your Mind: ▪️Over the past 43 years, there have been approximately 11,000 trading days. ▪️Positive and negative returns were observed as follows: Daily: 53% positive, 47% negative Weekly: 56% positive, 44% negative Monthly: 61% positive,

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Niranjan Avasthi

@avasthiniranjan

7 months

Does this data surprise you? At least I was surprised! Despite the talk about the small and midcap rally in the last two years and concerns about their valuations, it's interesting to note that earnings growth has been a key driver of this rally. At least the aggregate index

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Niranjan Avasthi

@avasthiniranjan

2 years

This is hilarious 😂

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Niranjan Avasthi

@avasthiniranjan

3 years

When interest rate of your home loan rise, it automatically gets reset upwards, but when rates go down it needs a request from borrower to reset. Why? Isn't this unfair? @RBI @HDFCLtd

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Niranjan Avasthi

@avasthiniranjan

3 years

This is ❤️❤️

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Niranjan Avasthi

@avasthiniranjan

4 years

A simple thread to understand relationship between US Dollar and Emerging Markets. The relationship between the performance of Emerging Market stocks and the US Dollar is one of the tightest macro relationships that exists in investing. 1/15

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Niranjan Avasthi

@avasthiniranjan

4 years

Congratulations @iRadhikaGupta on being elevated to Managing Director & CEO of @EdelweissAMC

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Niranjan Avasthi

@avasthiniranjan

4 years

A small message from my mutual fund portfolio. 🙂

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Niranjan Avasthi

@avasthiniranjan

3 years

This incidence at Pheonix Mall may sound like a dream and wud never happen in reality. But this happens everyday in our stock market. A group of mischievous people slid into market everyday and change the price tags. 7/11

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Niranjan Avasthi

@avasthiniranjan

4 years

New disclaimer needed😉 "Mutual fund investments are subject to regulatory changes."

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Niranjan Avasthi

@avasthiniranjan

3 years

Saw an employee bowing down and touching the steps while entering the office. Having a good job is a privilege, we should worship it.

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Niranjan Avasthi

@avasthiniranjan

5 years

Patience is important for success. And not comparing with others is most important ability for patience. In life and investing both...! #shortstory #investing

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Niranjan Avasthi

@avasthiniranjan

3 years

60 is only a number. I am still young and immortal. #sensex

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Niranjan Avasthi

@avasthiniranjan

4 years

🇺🇲: Sir, you can earn 0.90% for 10 yrs in our Government Bond. 🇮🇳:

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Niranjan Avasthi

@avasthiniranjan

4 years

If bad years like 2020 are one of the best years for you, then you are definitely doing few things right in your business. #thoughts

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Niranjan Avasthi

@avasthiniranjan

4 years

A thread on Debt mutual fund basics Let's understand why and how debt mutual fund NAV react to changes in interest rates and how to select a right debt fund and manage interest rate risk. Share widely if you find this useful. 1/n

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Niranjan Avasthi

@avasthiniranjan

3 years

We track it daily and then blame it being too volatile. Over analysis kills..

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Niranjan Avasthi

@avasthiniranjan

3 years

10 Rs ka NAV sasta hai bolkar NFO chipkana 𝗜𝗦 𝗡𝗢𝗧 𝗙𝗨𝗡𝗡𝗬 😁

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Niranjan Avasthi

@avasthiniranjan

4 years

India bans entry from UK. Should have been done 200 yrs ago 🙂

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Niranjan Avasthi

@avasthiniranjan

4 years

5 yrs absolute returns of Nifty 50 TRI March 2020: 8.1% 😢 Dec 2020: 88.9%😌 80.8% excess return is the contribution of your behaviour. 😊 Well done 👏 How you behave for few months can redefine what you earn for years and decades. #investing

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Niranjan Avasthi

@avasthiniranjan

3 years

Adoption at deepest level possible.. #DigitalIndia

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Niranjan Avasthi

@avasthiniranjan

3 years

Never follow headline valuations blindly. Nifty 50 P/E has travelled from 34 to 42 to 25 in last 1 yr, all this while Nifty 50 has gone up from 12k to 16k. Reason: EPS has grown by over 80% from the lows.

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Niranjan Avasthi

@avasthiniranjan

3 years

Heard on streets.. Some listed companies are planning to delist and then comeback with an IPO. 😁

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Niranjan Avasthi

@avasthiniranjan

3 years

Just 1.5% workers account for 80% of total income tax paid. Total jobs: 258mn Total tax filers: 55mn Tax paying filers: 33mn Tax payers accounting for 80% of income tax: 3.5 mn (1.5% of total jobs) Source: Edelweiss Research

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Niranjan Avasthi

@avasthiniranjan

4 years

A thread explaining difference between ETFs and Index Funds. What are ETFs and Index Funds? Both are from the same family called passive funds, which mirror the index that they follow. They both aim to track the performance of the underlying index as close as possible. 1/n

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Niranjan Avasthi

@avasthiniranjan

3 years

They mark up the value of things that are actually cheap and of.low quality and put a huge discount on things that are really valuable. And sadly many people fall in trap, before someone corrects the price tags. 8/11

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Niranjan Avasthi

@avasthiniranjan

5 years

If you zoom-in on short term, you will see only volatility, zoom-out and you will see only an upward trend. Since 2000 equity markets were negative in 97 out of 238 months 31 out of 79 quarters 6 out of 19 years Yet delivered 12.70% CARG. Zoom-out to stay focused!

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Niranjan Avasthi

@avasthiniranjan

3 years

Warren Buffett was rejected by Harward. Rejection is never an opinion on our abilities.

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Niranjan Avasthi

@avasthiniranjan

3 years

There are more talented people than you, the only difference is, they didn't get that chance. Be humble and thankful to people who gave you that chance to prove. More importantly, when you have the opportunity, give people chance.

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Niranjan Avasthi

@avasthiniranjan

4 years

Went to courier some documents to Mangalore. @BlueDart_ charges 320 Rs. @IndiaPostOffice charges 50 Rs. If India post was a private player, wud Bluedart even exist?

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Niranjan Avasthi

@avasthiniranjan

6 months

@b50 Success comes from hard work. What I realised is luck and smartness is most important.

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Niranjan Avasthi

@avasthiniranjan

3 years

New Electric Vehicle penetration in China is around 6% now and expected to reach 25% by 2025, 45% by 2030 and 85% by 2040. World will change sooner than we can imagine. Source: JP Morgan

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Niranjan Avasthi

@avasthiniranjan

2 years

Screenshot fintwit paparazzi moment 🫢 Ps. Don't miss the end

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Niranjan Avasthi

@avasthiniranjan

3 years

These are not just songs, but the way to live life...

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Niranjan Avasthi

@avasthiniranjan

5 years

On the day he unveiled the Macintosh, a reporter from Popular Science asked Jobs what type of market research he had done. Jobs responded by scoffing, “ Did Alexander Graham Bell do any market research before he invented the telephone?” #SteveJobs

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Niranjan Avasthi

@avasthiniranjan

4 years

Ten simple golden rules of equity investing. An insightful collection from Aberdeen. This pretty much sums up everything about investing in less than 500 words.

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Niranjan Avasthi

@avasthiniranjan

1 year

The best rule I have learnt doing SIPs for last 15 years is to do nothing. Absolutely nothing.

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Niranjan Avasthi

@avasthiniranjan

3 years

It is important to figure out such mischievous activities in stock market and stay away from them. Spot things that are valuable but people are paying almost nothing. Just because someone changed its price tag doesn't mean it isn't valuable. 10/11

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Niranjan Avasthi

@avasthiniranjan

3 years

Your confidence when 1st stock pick turns multi-bagger in a year. 😎

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Niranjan Avasthi

@avasthiniranjan

3 years

It is very sad to see people mocking and spreading false narrative around MFs. Show me any other investment product which is this tightly regulated in India or anywhere in the the world. Funny thing is these handles survive by giving rigged stock tips😀

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Niranjan Avasthi

@avasthiniranjan

3 years

Reason to invest in Passive funds... A 🧵 Passive investing is the most simplest form of investing. It may also he called rule based investing where there is no human intervention. 1/n

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Niranjan Avasthi

@avasthiniranjan

3 years

As we grow old in career the toughest thing to maintain is not knowledge or intelligence, but the spark and hunger we had in our 20s and 30s.

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Niranjan Avasthi

@avasthiniranjan

3 years

😀 #whatsapp

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Niranjan Avasthi

@avasthiniranjan

4 years

Founders are celebrated, while employees who work with similar dreams and passion to make it big are underrated.

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Niranjan Avasthi

@avasthiniranjan

3 years

A 🧵 on Hybrid Mutual Funds. Understanding different strategies in this category and what to expect and what not to expect from them. And for whom these funds are a right fit? 1/n

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Niranjan Avasthi

@avasthiniranjan

8 months

He promoted mutual funds like no one ever did. ☺️ Shri @narendramodi applauds unprecedented growth in MF industry AUM. Soaring from mere rs. 9 lakh cr. in 2014 to over 52 lakh cr. in 2024. 5x in 10 years. @amfiindia @iRadhikaGupta @TV9Bharatvarsh

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Niranjan Avasthi

@avasthiniranjan

2 years

@monikahalan @nsitharaman @FinMinIndia Like MFs are not allowed to do insurance linked products (which is good), Insurance cos should not be allowed to do in investment linked products. Simple. Premium won't go beyond 5lkhs at all just to cover life.

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Niranjan Avasthi

@avasthiniranjan

3 years

There is a UK variant, SA variant, Indian Variant. Why is the 1st variant not called Chinese variant. 🤔 #COVID19

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Niranjan Avasthi

@avasthiniranjan

4 years

A thread to understand this new category of debt funds - Target Maturity Index Funds. How it is different from other debt funds, what are the benefits and risks one need to know while investing in such funds. RT and share if you find it useful. 1/n

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Niranjan Avasthi

@avasthiniranjan

3 years

When we save/invest Rs. 70 after paying Rs. 30 in tax. Initial years just go in recovering this tax. Yrs taken for Rs. 70 to become 100. 9yrs @ 4% in SB account 6 yrs @ 6% in Bank FD 3.7 yrs @ 10% in equities #investwisely

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Niranjan Avasthi

@avasthiniranjan

2 years

Know your MF - A series explaining various important MF regulations that make them really sahi🙂 2nd in this series, here are 5 things that makes Indian mutual funds very different from others financial products in India or its peers in developed world. 1/n

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Niranjan Avasthi

@avasthiniranjan

4 years

True words! #twitter

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Niranjan Avasthi

@avasthiniranjan

4 years

A thread to understand all about State Development Loans (SDLs). Why you should invest now and how? 1. What is an SDL? They are market borrowing by various States of India in form of bonds. These bonds are auctioned by the RBI on regular basis in the same manner as G-Sec. 1/n

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Niranjan Avasthi

@avasthiniranjan

3 years

Over next few weeks I am gonna make simple threads and spread awareness around various SEBI regulations that make MFs one of the best regulated investment vehicles in India. I will talk about the gold standards that they follow.

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Niranjan Avasthi

@avasthiniranjan

4 years

Applies to life and investing both.

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Niranjan Avasthi

@avasthiniranjan

3 years

But it is often too late by then and many people lose a lot of wealth buying cheap things while they are ready to pay almost nothing to real valuable things. 9/11

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Niranjan Avasthi

@avasthiniranjan

1 year

3 year smallcap index return is 160% But this return was earned only by one who invested 3 years back when 3 year returns were -27% Big Money in equity is made only when you go against the tide.

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Niranjan Avasthi

@avasthiniranjan

4 years

Growth of rs. 5,000 SIP at 10% 5th yr 3.87 lkh 10th yr 12.4 lkh 15th yr 20.7 lkh 20th yr 37.9 lkh 25th yr 66.4 lkh 30th yr 1.13 cr Such amazing thing is compounding. But these numbers often remain on papers and in quotes.

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Niranjan Avasthi

@avasthiniranjan

3 years

She said since morning everyone is confused, people are acting like they have lost their sense of value. They are willing to pay lots of money for cheap things of little value, and almost nothing for things of great value. 5/11

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Niranjan Avasthi

@avasthiniranjan

4 years

1.5 hrs to office in the mrng 2 hrs to home in the evng 3.5 productive hrs lost in a day. Why will someone not work from home? Pandemic has forced us to ask this question. Hope, in future, the definition of workplace changes forever.

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Niranjan Avasthi

@avasthiniranjan

4 years

Why can't we have a movie/series on RJ instead of HM. Why not show youngsters stories that inspire instead of just dark side of stock markets.

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Niranjan Avasthi

@avasthiniranjan

4 years

It is easy to invest in 10 best funds in one year, but difficult to stay invested in 1 good fund for 10 years. Good habits are always difficult to practice. #investing

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Niranjan Avasthi

@avasthiniranjan

8 months

Why do we lie when we buy an iPhone? A few months back I switched from Android. When asked why I made the switch, my usual response is, because of good security features and superior camera quality, etc.. However, I've realised that I have been lying and my decision actually

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Niranjan Avasthi

@avasthiniranjan

4 years

2004.. I was a part-time off roll employee at a bank, selling loan products. I used to work after my college during 2nd half of the day. One day my manager kicked me out, I was late to join one campaign as I got stuck at college.

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Niranjan Avasthi

@avasthiniranjan

4 months

The big bull explaining the relationship between elections, politicians and equity market. Must watch!

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Niranjan Avasthi

@avasthiniranjan

4 years

Using inexpensive and cheap gadgets doesn't mean we are poor. Remember that we have family to feed,not a community to impress. #FinancialIndependence

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Niranjan Avasthi

@avasthiniranjan

2 years

Removal of indexation benefit from Debt MFs is a big loss for bond markets that are still struggling with liquidity. MFs are the only large active institutional investors who bring whatever little liquidity we have in bond market. Insurance and some others are HTM investors.

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Niranjan Avasthi

@avasthiniranjan

3 years

The music of India. The best thing to hear today. #Udaipur @EdelweissMF offsite

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Niranjan Avasthi

@avasthiniranjan

4 years

Past performance is suggestive, not conclusive.

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Niranjan Avasthi

@avasthiniranjan

3 years

It's like they don't know what is really valuable and what's not. She said, I hope we get the price tags back right soon as I really feel sorry seeing people pay way too much for things of little value. 6/11

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Niranjan Avasthi

@avasthiniranjan

3 years

Euphoria 😊 at 18500 Panic 😰 at 16500 This sums up the story.

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Niranjan Avasthi

@avasthiniranjan

3 years

Imagine Life insurance executives forced to buy term plan every year with 20% of his salary Bank executives forced to link 20% salary to loan recovery. General insurance executives forced to buy health cover every year with 20% of salary.

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Niranjan Avasthi

@avasthiniranjan

4 years

Browsing health insurance websites and my existing policy made me realise that SEBI has made mutual funds much more transparent. Insurance industry definitely needs better regulations.

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Niranjan Avasthi

@avasthiniranjan

4 years

Starting ur own startup is overrated. Working for a company as if it's your own startup is hugely underrated. #thoughts

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Niranjan Avasthi

@avasthiniranjan

3 years

Poore 1.5 saal work from home ke baad "kalse daily office aajana" kehna 𝗜𝗦 𝗡𝗢𝗧 𝗙𝗨𝗡𝗡𝗬 😀

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Niranjan Avasthi

@avasthiniranjan

4 years

A simple thread to understand the meaning of investment cycle (Gross Fixed Capital Formation) in the economy and why it is important? Which sectors can benefit in such cycle and why? Do share if you find it useful. 1/n

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Niranjan Avasthi

@avasthiniranjan

3 years

🧵 on Bond laddering - A technique to reduce interest rate risk in your fixed income portfolio and create a predictable stream of income. Do RT and share with more people to spread the awareness. This can be the future of fixed income investing in India. 1/n

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Niranjan Avasthi

@avasthiniranjan

7 months

Here’s a quick brief on how Smallcap and Midcap fund’s stress test calculations are being done. The number of days required to liquidate 50% and 25% of the portfolio will be calculated as follows: 1. Calculate volume Available for Liquidation: Multiply the market participation

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Niranjan Avasthi

@avasthiniranjan

4 years

Indian startup on ground. A mobile puncture repairer & mechanic from Pune. Worthy of an award from @anandmahindra sir.

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Niranjan Avasthi

@avasthiniranjan

4 years

Adulterated milk packets are being supplied by vendor in Borivali. This is Gokul milk packet which is falsely sealed and clearly visible different from machine sealing on the other end. Urgent attention needed @fssaiindia @AUThackeray @CMOMaharashtra @CPMumbaiPolice

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