Discover and read the best of Twitter Threads about #InvestmentPointers
Most recents (5)
1/5
Some pointers on #PersonalFinance
1) Highly #subjective - depends on earnings,savings & lifestyle. Don't clone approach . Take professional help, if needed.
2)Focus primarily on #skillsets in early years.Automatically #earnings increase. Big salary ,bigger savings.
Some pointers on #PersonalFinance
1) Highly #subjective - depends on earnings,savings & lifestyle. Don't clone approach . Take professional help, if needed.
2)Focus primarily on #skillsets in early years.Automatically #earnings increase. Big salary ,bigger savings.
2/5
3) Start #saving early on .
4) Incremental savings must be more than Incremental earnings.
5) Avoid #debt . But if necessary plan well & repay it early on . Beware of snowball effect.
6) Avoid instant #gratification. A lil' self restraint goes a long way in saving up .
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3) Start #saving early on .
4) Incremental savings must be more than Incremental earnings.
5) Avoid #debt . But if necessary plan well & repay it early on . Beware of snowball effect.
6) Avoid instant #gratification. A lil' self restraint goes a long way in saving up .
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3/5
7) #Leveraging is disastrous . Not advisable .
8) #ConcentratedPortfolio can backfire big time . Makes sense to go in for a diversified one.
9) #AssetAllocation is equally important .
10) #CreditCards if used sensibly are good ,else disastrous. Educate yourself.
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7) #Leveraging is disastrous . Not advisable .
8) #ConcentratedPortfolio can backfire big time . Makes sense to go in for a diversified one.
9) #AssetAllocation is equally important .
10) #CreditCards if used sensibly are good ,else disastrous. Educate yourself.
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1/10
* Thread on #CIBIL SCORE *
Since the thread on #CreditCards ,
(Link here for reference , )
Many DM'ed me asking about CIBIL score , so decided to write a small thread on it .
Disclaimer : This is MY opinion based on MY limited knowledge :)
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* Thread on #CIBIL SCORE *
Since the thread on #CreditCards ,
(Link here for reference , )
Many DM'ed me asking about CIBIL score , so decided to write a small thread on it .
Disclaimer : This is MY opinion based on MY limited knowledge :)
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2/10
A CIBIL score is a consumer's credit score generated by a credit bureau on the basis of their algorithm. It basically evaluates the credit history based on reflection of repayment and credit profile & thereby determines the eligibility for a loan.
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A CIBIL score is a consumer's credit score generated by a credit bureau on the basis of their algorithm. It basically evaluates the credit history based on reflection of repayment and credit profile & thereby determines the eligibility for a loan.
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3/10
So a good credit score (above 700 generally ) can help us get a loan easily at a relatively better rate of interest.
How? 🤔
It indicates you PLAN well for your financial needs & pay your debts on TIME. Basically " GOOD CREDIT WORTHINESS " .
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#InvestmentPointers
So a good credit score (above 700 generally ) can help us get a loan easily at a relatively better rate of interest.
How? 🤔
It indicates you PLAN well for your financial needs & pay your debts on TIME. Basically " GOOD CREDIT WORTHINESS " .
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#InvestmentPointers
* THREAD ON IPO *
DISCLAIMER : MY PERSONAL OPINION.
1/13
It is the season of IPO's after a recent lull.
#IPO short for Initial Public Offering is a process wherein a Pvt Co goes public by issuing new shares or the existing shareholders sell their shares to new people .
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DISCLAIMER : MY PERSONAL OPINION.
1/13
It is the season of IPO's after a recent lull.
#IPO short for Initial Public Offering is a process wherein a Pvt Co goes public by issuing new shares or the existing shareholders sell their shares to new people .
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2/13
The price is decided with the help of a syndicate of investment bankers
via a book building process & the minimum subscription is ensured by the underwriters.
Since professionals decide the issue price , obviously the company is great ,duh 🙄🤷! Once listed will 🚀🚀
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The price is decided with the help of a syndicate of investment bankers
via a book building process & the minimum subscription is ensured by the underwriters.
Since professionals decide the issue price , obviously the company is great ,duh 🙄🤷! Once listed will 🚀🚀
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3/13
With such great dreams we set out & invest heavily .Imagine our happiness when we get allotted 2lots for all our efforts! Yay😃!
Oh the imaginary windfall gains ! 💃
Arrive listing day : 6%gains . (UNREALISED obviously! As company is really good .Deserves 30% gains !)🤷
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With such great dreams we set out & invest heavily .Imagine our happiness when we get allotted 2lots for all our efforts! Yay😃!
Oh the imaginary windfall gains ! 💃
Arrive listing day : 6%gains . (UNREALISED obviously! As company is really good .Deserves 30% gains !)🤷
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1/13
A thread on
#CreditCards a " Yes" or a "No" ?
Decided to write an honest opinion on the usage of credit cards & whether it is "As bad as it made out to be" or "That good as claimed" !!
Disclaimer: This is MY experience & my opinion on the issue addressed at hand .
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A thread on
#CreditCards a " Yes" or a "No" ?
Decided to write an honest opinion on the usage of credit cards & whether it is "As bad as it made out to be" or "That good as claimed" !!
Disclaimer: This is MY experience & my opinion on the issue addressed at hand .
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2/13
Points in favour
1) #Convenience !!
2) Lot of reward points .Yay!
3) Usage at airport lounges & movie tickets & the likes (subject to T&C)
4) Extra time to repay the debt. Duh !! Who doesn't like that!
6) Kind of a status symbol . Mere paas AMEX card hai ,
hain.... 😎
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Points in favour
1) #Convenience !!
2) Lot of reward points .Yay!
3) Usage at airport lounges & movie tickets & the likes (subject to T&C)
4) Extra time to repay the debt. Duh !! Who doesn't like that!
6) Kind of a status symbol . Mere paas AMEX card hai ,
hain.... 😎
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3/13
Points against usage
1) Too much convenience results in thriftness. We end up spending much more.
2) Reward points come with a host of T&C. Are we actually being rewarded also ?
3) Freebies to keep our inflated ego in check . Many a times changed/stopped overnight! 🤷
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Points against usage
1) Too much convenience results in thriftness. We end up spending much more.
2) Reward points come with a host of T&C. Are we actually being rewarded also ?
3) Freebies to keep our inflated ego in check . Many a times changed/stopped overnight! 🤷
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1/14
* Should beginners invest in Mutual Funds ? *
"Mutual funds are subject to market risks . Pls read all scheme related documents carefully before investing " .
We hear this every time we see an advt , but do we follow it ? 🤔
Then why cry once we lose our capital ? +
* Should beginners invest in Mutual Funds ? *
"Mutual funds are subject to market risks . Pls read all scheme related documents carefully before investing " .
We hear this every time we see an advt , but do we follow it ? 🤔
Then why cry once we lose our capital ? +
2/14
MF basically is a trust which collects money from different people & this fund is managed by a professional Fund Manager. The Fund manager then invests this money into different asset classes to earn income .
Thus their role is pivotal in the performance of the fund. +
MF basically is a trust which collects money from different people & this fund is managed by a professional Fund Manager. The Fund manager then invests this money into different asset classes to earn income .
Thus their role is pivotal in the performance of the fund. +
3/14
Fund management could be active or passive.
If actively managed it would depend on the manager to pick the components of a portfolio as compared to passive wherein mf is based on an established index & its underlying components. +
Fund management could be active or passive.
If actively managed it would depend on the manager to pick the components of a portfolio as compared to passive wherein mf is based on an established index & its underlying components. +
