Save Invest Repeat ๐ retweeted
Indian govt can't secure shit: emudhra, aadhaar, the list is endless. CERT-IN issues advisories, protects nothing.
But Home Min & DOT will shove stupid ideas down our throats be of their god complex.
They have no idea how much will break, & can't be bothered to figure out
Breaking :
SIM Binding will be Operational from 1st of January
#WhatsApp and Telegram Messenger will require a Physical Sim to operate.
#Apple has made necessary changes in its iOS to support Sim binding
A software patch was released in September to detect the absence of a Sim card in the iPhone.
Snapchat not required to follow Sim binding rules.
Signal App has not responded to govt notices on Sim Binding rules.
Details Here.
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Don't miss out on the polls I specifically do on the SIR WhatsApp channel: whatsapp.com/channel/0029Va9โฆ
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Whey is best form of protein but expensive.
Soy & Yeast doesn't taste that good.
To control cost & complete your protein intake you have to mix. Keeping that in mind, I ran some data to figure out the cheapest combination.
Here data is of
> Whey Flavoured
> Soy & Yeast Unflavoured
Amount looks small in table but
> 1 scoop '100% whey' of 24 gram protein = โน140.4
> 1 scoop '50% whey + 50% soy' of 24 gram protein = โน82.8
โญ๏ธ That's 41% savings per scoop.
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WhiteOak Capital Mutual Fund launches its Dividend Yield Fund.
Target Allocation of the fund
Up to 60% REITs
Up to 25% dividend paying stocks & Arbitrage
Up to 10% InvITs
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Transparency time - Investing in July 2026
๐ผ Increased Position:
Stocks
PPFAS DAAF
Physical Gold
Nifty Midcap 150
๐ฝ Decreased Position:
None
Charts show my total net worth when calculated in different assets or currency.
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Transparency time - July 2026:
Savings Rate
Last month 73.35%
Average 65.23%
Net worth increased by 2.39% MoM
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Amount of silence about Jharkhand protests on Instagram is very interesting.
Every single influencers who were sharing 5 reels a day supporting students in Delhi just a few weeks ago are not even sharing 1 story in support of Jharkhand students.
Very interesting.
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Making โน15-20 Lakh a year through a job and making the same through a business is very different.
Same amount but huge difference in what actually reaches your pocket.
Save Invest Repeat ๐ retweeted
These days, my breakfast is
3 besan chilla
3 egg whites
1 scoop whey + creatine
50 grams of protein ๐ฅ
Save Invest Repeat ๐ retweeted
There are so many AMCs, it's hard for new investors to choose one.
If you're going for an actively managed mutual fund, you have to choose either A or B.
A) Founder-led AMC like PPFAS, quant Helios, Abakkas etc.
B) Established big AMCs like HDFC, Nippon etc. with long track record.
Which one you prefer more? A or B?
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Among all index funds, these are the top 10 as per two ratios. Data till 3rd July.
Sharpe ratio = how much extra return a fund gives you for each unit of risk you take.
Sortino ratio = how much extra return a fund gives you for each unit of downside (loss-related) risk.
Sharpe ratio โ counts all volatility (up & down)
Sortino ratio โ counts only negative volatility (downside)
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If you're ETF buyer, there is a high chance you're over-paying fees.
SIR Community has a specific study material on correct process to buy ETFs & save fees + 12 other materials all for free inside the group.
You can check it out from below ๐
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Join the community from here: saveinvestrepeat.com/Communiโฆ
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Parag Parikh Flexi Cap Fund considerably increased their IT allocation in June.
May to June stock holding change
HCL Tech: +7.2%
Infosys: +14.5%
TCS: +11.5%
PPFAS is actually buying IT when everyone is scared to even touch the sector.
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PPFAS DAAF Mutual Fund's June Portfolio is out.
โก๏ธ Holding same 10 stocks - Coal India, Petronet LNG, ITC, Power Grid, REC, Nesco, Swaraj Engines, VST Industries, Nirlon, Indus Towers. Increased allocation.
๐ REITs holding: Embassy, Brookfield.
๐ Debt + Arbitrage exposure at 73.15%
Note: Parag Parikh team runs their DAAF kinda like a conservative hybrid fund.
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HDFC Mid Cap Fund has crossed โน1,00,000 Crore in AUM as of 30th June.
โก๏ธ 3rd equity mutual fund to cross the 1L mark.
โก๏ธ 4th active fund in all categories to cross the 1L mark.
โก๏ธ HDFC Mutual Fund now has 3 different schemes that individually has 1L AUM each.
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At this point, personally I feel Nifty 500 is a better representation of India than Nifty 50.
๐ฎ๐ณ India's market performance can't really be judged by only 50 giant cap companies, there are many exciting startup listing & new companies coming up too.
Even if Nifty 50 & 500 had similar performance, still 500 would be a better representation.
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Accumulated 4540 Mutual Fund units in June.
My first 'personal' goal is to hit 2,00,000 units of this particular portfolio. (And no, goal isn't to buy any random funds with lower NAV just to reach 2L units)
Small small steps ๐ โ Financial Freedom ๐ธ

















