19+ yrs of Investment Journey. I Tried, Tested & Tasted a Lot. Lost Little. Gained Much. Made Mistakes. Course Corrected Them. Filters Improved. Approach Evolved. Patience. Understanding Gained. I Continue to Own Some Amazing Businesses. I Teach with Passion. Here's my Journey (as of Mar 2026). Share Only if Inspires You. #FI

Dearest FM Madam @nsitharaman ji, Simple & Straight Suggestions: - Abolish Double Taxation of STT - STCG at 15% if sold within 1 year - LTCG at 10% if sold within 2 years - ZERO LTCG if held for more than 2 years 🔥🔥🔥 Reward Long Term Investors 👍 On Behalf of Investing Community, #FI

Can't believe it took so many years for our Food Regulator to Consider Proposing This 😭😭😭 Better Late then Never !!! A Win for Voices on Social Media 🔥 #FI

Meet Umesh Kumar Sharma, a Brilliant Self-Taught Mechanic from Rosera, Bihar who built a Custom Electric Cycle with a 100 km Range on a Single Charge. Armed with Grassroots Engineering and Local "Jugad," this 5th-grade Educated Innovator created an Ultra-low-cost vehicle that runs for just a few Rupees, bypassing the need for license or registration. It's so Nice to see that he has a Horn, Key, Voltage Indicator, Accelerator & the setup is so Awesome. So Relatable. He also has footrest for Pillion Rider. His incredible invention proves that True Innovation doesn't require Crazy League degrees. It just requires Passion, Grit, and Unstoppable Indian Ingenuity. He is An Inspiration. Let's Share This Widely ❤️❤️❤️ I wish to meet Umesh ji one Day !!! #FI

In the Long Term, Even the Sharpest of Corrections looks like a Small Glitch in the Glorious Journey of our Indian Stock Markets !!! Retail Investor Friends. Keep the SIP going. Accumulate More Units of Good Businesses / Index / Mutual Funds in this Consolidation. Stay The Course 🔥🔥🔥 #FI

Dearest FM Madam @nsitharaman ji, I have said it before. And I'll repeat it again. Loud & Crystal Clear. LTCG of 12.5% on Equities is one of the Lowest in the World. True. Great. But there are a few issues: 1. LTCG was ZERO from 2004 to 2018. STT was introduced to offset the Loss in Revenue. It incentivised Long Term Investors to Hold on Patiently and enjoy Long Term Returns. I believe that Step was something Golden and rewards Long Term Thinking. FM Madam should reconsider this. Keep STT. Abolish LTCG. 2. STT is already taken for every transaction. This is a tax. Again putting Capital Gain, especially on Long Term Gains is not Ok. This is my Opinion. STT is borne by the investor irrespective of Profit or Loss. 3. We are not against Paying Taxes. In fact, we all Pay Income Tax, Capital Gains Tax, GST, Excise, VAT, Health, Education Cess, Tax on Dividends and what not. The problem is the Freebies which are Distributed during the Elections. This is not at all ok. We don't want a single rupee of our Capital Gains to be used for Freebies. Please. I humbly request the FM Madam to Abolish LTCG on Equities. Make the Long Term Period 24 months instead of 12 months. You will see Patient Capital Flowing In👍 For Indian Investors like me, the Pain is lesser. Our Portfolios are Doing Great. We will continue to Create Wealth. But what about our FII brothers & sisters. They also deserve to get minimum returns in Dollar Terms. I feel for the FIIs who have suffered due to declining Rupee and they still have to pay STT & Capital Gains on Rupee Terms. Something the FM Madam and team should revisit. I think that it is a good time to implement this. FII no longer control our markets. Domestic Funds are consistent and plenty. If FIIs leave, let them Leave with Head Held High. That is our Responsibility. India Structurally is Brilliant. Let's make it Tax Friendly as well. Patient Capital will Flow More & Stay, if these Steps are Taken. A Proud Indian Investor, #FI

5 years back, Nifty 50: EPS = 650 Nifty 50 = 17500 Today: EPS = 1180 Nifty 50 = 23000 Stay The Course !!! #FI

Congratulations FM Madam for collecting Income Tax, Securities Transaction Tax, Short Term Capital Gain Tax, Long Term Capital Gain Tax, GST, Road Tax, Dividend Tax, Health & Education Cess !!! 🙏 Anything I Missed ? ❤️ #FI

These Young Boys from Sagar, MP are doing the work which is supposed to be done by the Government 🥺 I propose that a small portion of our Tax goes to such Individuals who are actually doing the job themselves. Let's make these boys Viral !! #FI

BSE listed on its Rival NSE 😄 NSE lists on its Rival BSE ❤️ That's Life !!! #FI

The Most Touching Video on my Timeline Today ❤️❤️❤️ #FI

POWERFUL REMINDER !!! If Someone has bought a 1.5 Crore Flat with 90% Loan, her Net-worth is Not 1.5 Crore TODAY !!! She will probably end up paying 2.5 to 3 Crore along with Interest using Future Cash Flows (Hopefully). Net-Worth is always Assets - Liabilities 🏆 Never Count Your Liabilities as your Net-Worth !!! #FI

If Apple Meets this Bro, they will start Selling this for $49 😭😭😭 Pure Genius 🔥🔥🔥 #FI

Because Typing a Secure Pin using your Fingers takes a Painful 3 Seconds ??? 😭😭😭 Why Play with Something Which Works Beautifully? #FI

Allocating a Small Amount every Year for a Solid Health Insurance with all Features is More Important than Equity Investing !!! One Sudden Emergency can Literally Eat Away Decades of Compounding 👍 #FI

My brother broke his fingers during a football game few days back. We went to a hospital nearby and got an XRay done. K-wire Surgery was suggested. He has a very good comprehensive Health Insurance Policy which covers everything. Day Care & Non Consumables as well. So yesterday, he went to one of the Top Hospitals in our city to meet another Doctor to consult & get the surgery done. The hospital suggested to stay for 24 hours in a Private Room (since his insurance was entitled to it). They said that they would raise a Bill of around 3 Lakh for the same. They also mentioned that he would have to pay around 10% for Non Consumables. He immediately called me. I told him two things: 1. You can use Day Care facility. If procedure is more than 2 hours, you do not need to be hospitalized for 24 hours. Please consult the doctor for the same. 2. We have already paid for Non Consumables in our Policy. So you do not pay a single Rupee for it. Inform the hospital that you know these things. Share your policy copy with them. My brother asked the doctor if hospitalization is necessary. The doctor said that we need not stay back. My brother opted for a General Ward because he was not going to spend the night. Once the hospital came to know that we are AWARE of all this, they raised an approval for 2 Lakh (instead of 3 Lakh) for General Ward + Stay (inspite of we stressing that we won't stay back) They got a pre Authorization for ₹1.6 Lakh in few minutes. Today morning my brother went to the hospital at 6 AM. By 9 AM surgery began. By 9.30 AM it was done. He woke up sometime later due to Anaesthesia. He was shifted to the General Ward. The Hospital raised the Final Bill of ₹121556 (since it was Day Care and we didn't stay). I think there was some Policy Discount on that and it came to around ₹114786. The Insurance Company just approved the bill of ₹114786 now. We had to pay ZERO to the Hospital. I am typing this as my Brother is getting ready to go home now. Been a long day. We will claim our Pre Hospitalization Expenses later as Cash Reimbursement. My learnings: 1. Ensure your policy has Day Care Treatments. You can save time, money & energy. Use the 2 hour Day Care facility as much as you can. Hospitals would always push for hospitalization to charge more. I am not saying that this is always the case. Use your own discretion and the doctor's advice. In this case, hospital was pushing for hospitalization, but doctor suggested that day care was enough. Always ask. Ask questions. 2. Ensure that Non Consumables is part of your cover. It is worth it. It's a simple rider which you need to take while taking a policy. Take the best Non Consumables rider. Sharing this so that it benefits everyone. I have given a detailed checklist on how to choose the right health insurance for your family. Make sure you take the best. We are all only one hospital bill away from poverty 🔥🔥🔥 I am also a shareholder of my Insurance Company. It is Listed Company. I am happy that they paid for it. I am happy that Hospital didn't get a Huge Amount for the Surgery by making us Stay for a Night. Awareness is key ❤️ Share this with your audience so that it can benefit all. #FI

TIPS FOR LONG TERM WEALTH CREATION: Do you feel like buying loss making new age companies at crazy valuations just because it is hitting new highs? Do you feel that buying at momentum would reward you? Do you feel FOMO? All this might be true in the short term, but not worth, when capital grows. This mindset of chasing companies hitting new highs without underlying fundamentals can be dangerous. I am not saying that these companies are not good. You need to separate the wheat from the chaff. Do not get into FOMO. Focus on Buying Companies with: - High Operating & Net Profit to Reserves - Low Receivable Days (Shows good collection) - Positive Operating Cash Flow - Decent Margins - Unlimited Potential to Scale - Recent Capex using Internal Accruals with Unutilised Capacity - High Distribution Reach & Pricing Power And most important of all, decent valuations. Do not overpay. Do not pay a Price to Earning multiple of over the growth rate, especially for smaller companies. With smaller capital, maybe you can keep churning. But, owning steady companies for longer period of time, can only happen when the Valuations are Juicy. There are many companies trading at decent valuations. They have the reach, distribution, experience & most importantly, have seen cycles. They share price might not reflect this right now. But, when the rerating will come, it will be Quick. Avoid FOMO. Practice POMO (Pleasure Of Missing Out). Stay The Course !!! #FI

GDP - All Time High GST Collection - All Time High STT Collection - All Time High Income Tax Collection - All Time High Time for FM Madam @nsitharaman ji to: - Zero Income Tax upto 18 Lakh - Bring Capital Gains under Rebate 87A - Will be helpful for Tax Payers with only CG and Interest Income - Abolish LTCG for Investments held more than 2 years to incentivize Long Term Investors While Tax Collection & GDP is at All Time High, this is the Right Time to Reward Tax Payers & Long Term Investors. Request those who are reading to amplify, if you resonate !!! On behalf of Investors, #FI

Longer version 👇

Listening to this beautiful Ram Bhajan on loop. So so brilliant. Jai Shri Ram 🔥🔥🔥 #FI

We need this level of dedication for any job. We have a lot to learn from Japan. Dignity of Labour should come as a Culture. The Most Inspiring Video on my Timely Today ❤️❤️❤️ #FI