WHY IS RETIREMENT PLANNING A BAD IDEA IN YOUR 20s? You are supposed to take risks or do fun things with your savings instead of planning for retirement in your 20s The concept of retirement has been sold to you to pay commissions to investment vehicles operated by boomers & the government You will end up wasting hours to find 2-3% alpha in such vehicles, which is mere ₹20,000 added to your floating net worth in a year The same set of ordinary people will make you believe that buying an iPhone, a MacBook, going on vacation or date is a waste of money These spends eventually play an important role in increasing the surface area of luck and can open a lot of unknown opportunities for you Your friends who consume slow finance porn will show that this amount invested in equities would have made you 5 Crores at the age of 80s You will probably end up on a deathbed before the compounding curve hits the fictional target of freedom This phenomenon makes you believe in slow, linear growth and turns you into someone who always wants to play it safe You are still risking your money when you are investing your money in index funds or paying fees to fund managers The hypothesis is simply that you are betting on slow growth in giant companies. The growth rate of Reliance, HDFC Bank and Infosys will always be slower than your growth Elephants aren't good at sprinting but they are excellent animals for carrying luggage. The problem is you don't have enough cash (luggage) right now to use the skills of elephants You should be absolutely fine with losing money in business, starting content, trading, an agency, or investing in better AI tools The only mandatory investment that you should be making is in your health via health insurance & fitness regime The best case will be your risky bets paying off before you enter mid 30s and your peers will still be struggling for promotion in the plateau phase of their careers The worst case will still be getting another job or starting a one man service business on the internet to pay your bills The opposite of chasing excellence is usually mediocrity, not the failure that people fear in their lives We need to accept that the era of the average job leading to a peaceful life is pretty much over globally and previous generations are benefiting from asset price inflation. They don't really need to change anything to live their life. You are on your own and the worst thing you can do is risk your money on elephants of the past on the advice of sheep who are still living in fear It's only after we've lost everything that we're free to do anything

Hi everyone, I’m looking for an orthopaedic oncologist (bone cancer specialist) at Apollo Hospitals, Chennai, for a friend. Does anyone have a recommendation or a direct contact who could help us get an early appointment? Please message me. Any help would be greatly appreciated. 🙏

It's insane how you make your biggest money in financial markets by sitting still and doing nothing for a few weeks to months

Infosys is now trading in 3 digits again If you liked buying Infosys at 2000 INR, you’re going to love buying it at 999 INR today at a 50% discount Thank you, Mr. Murthy, for working 70 hours a week to reward loyal shareholders

there are days to go long , go short and go on a date the idea of losing money on buying matcha for her is far better than losing money due to the randomness of markets this is personal finance advice

Hero Motors is up 69% in 3 days The company is engaged in the business of causing depression among investors who sold on opening day after a weak listing Management is currently discussing changing the company's motto to “Have Fun, Staying Poor"

Nifty has delivered a post-tax CAGR of 5.55% from Sep 2016 to Sept 2026 for a US based investor FIIs will not invest in India if we deliver them such pathetic returns in USD terms when they can get fixed 5% returns from US Treasuries India has to think big reforms around LTCG, STT & STCG to attract foreign money or simply accept that we don't really care a lot about financial markets as a nation The tragedy is much larger than before as many salaried employees ended up doing blind SIPs in index funds to participate in India's growth story You cannot milk the top 5% of people in your country by selling the dream of a developed nation in 2047 when we are worst performing emerging nation in 2026 We need to stop the drama of being a capitalist country and doing communism in the name of milking market participants to fund freebies Make India Great Again

Nifty is down 350 points today because Pt. Jawaharlal Nehru raised STT and failed to attract FII inflows in 1950 India will fix these issues by 2047

Should Investors hold NSE in their long term portfolio? NSE is valued at ₹4.62 lakh crore and 79% of its revenue comes from trading volumes, which are falling in India NSE is already valued at 40% of HDFC Bank, 25% of Reliance, and four times more than Paytm Investors expecting a 500% gain from NSE in 5 years should reconsider their hypothesis and think in sane manner

A stock with ticker 'GAYMF' is up 62% this month and you are still bearish on markets

Policy Bazaar is down 26% today The company is engaged in selling insurance meant to save people from crisis but its shareholders are in a massive crisis themselves This is the ugly part of investing in markets

Retail Investors will be awarded the Shaurya Chakra for applying in the NSE IPO on Republic Day Investors made a massive ₹120 on listing and this amount will be enough to cover brokerage for 6 trades on Nifty expiry This is the power of investing in IPOs

Finance bros will literally tell everyone how they save 97% of their salary to invest in markets to retire early

Government doesn’t really bother about underperformance of Indian markets as Anndatas & Laadli Behna doesn’t have any exposure in equities

index going up, stocks going down

If your trading advisor keeps blaming market environment all the time to justify underperformance, then your advisor is in wrong profession Your advisor should consider doing a PhD in Environmental Studies and pivot to ESG consultancy Market doesn't need environmental analysts

Motilal Oswal Nasdaq ETF is down 57% in 3 days Retail investors ended up buying the ETF at a 289% premium to the fair iNAV published by Motilal Oswal on their website ETF is still trading at a 69% premium to the fair value of holdings

Credit card bros will literally tell everyone how they scored a free meal at the airport by spending 23 lakhs in a year

How US based companies will benefit from MDR on UPI? Google Pay and PhonePe holds 85% market share for UPI transactions in India Walmart and Google hold major stakes in these firms and are positioned to benefit from MDR on UPI

Nifty has underperformed Nifty SmallCap by 23% in 2026 Retail investors aren’t ready for the Nifty not delivering a 12% CAGR while individual stocks continue to go up You cannot make big money by buying old elephants