Ankit Dhingra I Ankittalksmoney

Sharing Personal Finance, AI and Business concepts
I want everyone to learn from my mistakes
@ISBedu I @UMich I @Apple I @LEK_Consulting

[Ankit Dhingra I Ankittalksmoney @AnkitD1501]

Fanboy moment with Alok sir @WeekendInvestng at Bengaluru Investor meet today.

Few insights for retail investors from the above meet:

1. As the AUM of the Mutual Fund increases, its ability to create alpha decreases

2. Retail investors have an upper hand on funds, unlike Mutual Funds we don't face issues buying/selling as the volume of stocks is relatively low. Retail investors can be more agile.

3. No investing strategy is fool proof; we just need to be patient and have a long term horizon (3-5 years) for our investments

4. @smallcaseHQ should be explored; you can choose from multitude of strategies and unlike Mutual funds you can discuss your investments with the fund manager. In addition, it is crystal clear in which stocks you are invested in

[GREG ISENBERG @gregisenberg]

The biggest opportunities right now:

1. build for solving loneliness (the more AI floods everything, the more people crave real human connection, IRL and small social)

2. build for agents that need to spend money (they're getting virtual cards and budgets, someone builds the spend controls, fraud protection, receipts)

3. build for people drowning in AI output (everyone generates infinite drafts now, the bottleneck moved to reviewing and choosing, build the judgment layer)

4. build for the burnout economy (everyone is expected to always be on and always optimizing, and the backlash toward rest, slowness, and enough is building)

5. build for verifying humans (deepfakes broke trust, every dating app, marketplace, and video call needs proof-of-human within 2 years)

6. build for the physical world (the trades, hardware, robots that AI is finally reaching)

7. build for the agent that answers the phone (every local business misses calls after 5pm, a voice agent that books the job is worth thousands a month)

8. build for the aging (70M+ boomers who want to stay healthy, sharp, and connected)

9. build for the LLM-search land grab (being the cited answer is the new SEO)

10. build for the newly automated (the paralegal, the analyst, the marketer whose job just changed and needs to reskill fast)

11. build for the seat-pricing collapse (software repricing from $50/seat to per-outcome, whoever nails outcome billing wins a category)

12. build for AI enablement (95% of businesses use nothing beyond ChatGPT, someone has to onboard the other 95%)

13. build for the agency everyone resents (businesses pay $1k/mo to agencies they hate, an agent that does 80% of it undercuts the model)

14. build for verticals on 2011 software (dentists, HOAs, contractors, all overdue for an AI-native rebuild)

15. build for reviving dead software (thousands of abandoned apps with real users, agents can maintain what a team couldn't, buy and revive)

16. build for markets too small to matter before (500 lobster fishermen was never worth a team, now it's a weekend and a real business)

17. build for agents hiring agents (a shadow economy is forming, it needs escrow, reputation, and dispute resolution for machines)

18. build for the anti-AI premium (as everything gets generated, human-made and analog become status symbols people pay up for)

19. build for distribution-first (anyone can build the product now, so the audience is the moat, media company first, product second)

20. build for the reinvention of college (what does an MBA even mean anymore)

21. build for a world with more free time than it knows what to do with (if AI takes the busywork, the question becomes what people do with the hours, and that's a civilization sized market)

note: more trends/ideas @ideabrowser (free to sign up)

22. build for the return to the physical (screens fill with slop, people crave the real world, the hands-on, the local, the analog)

23. build for the caregiving wave. The population is aging fast, tens of millions are caring for parents, and the whole burden is landing on families with no support.

24. build for the longevity shift (people want to live to 100 healthy, and a whole industry is forming around actively managing your own biology)

25. build for the housing and rootlessness problem (people can't afford to settle down, and the whole idea of a stable home base is up for grabs)

26. build for spiritual hunger (as institutions hollow out, the need for meaning, ritual, and belonging is exploding into new forms)

KEEP BUILDING

[Ankit Dhingra I Ankittalksmoney @AnkitD1501]

@Codie_Sanchez We are already doing it. We at https://t.co/SV45qa5mYf built multiple voice AI agents for the commercial trades and field services industry.

[Dr. Julie Gurner @drgurner]

Being a high performance person raises internal stress significantly.
- Your expectations of yourself are high
- Others expectations of you are high

So important to have "release valves"...things that siphon off that internal pressure. The gym, a walk, etc.

Play the long game.

[Himanshu Kumar @codewithimanshu]

My girlfriend asked why I was smiling at my phone at 3AM.

I lost my job last week.

Rent due in 4 days.

No backup plan.

Then I found a 33-year-old nerd who turned $1,000 into $946,207 trading Bitcoin with a trick he stole from hurricane forecasts.

No finance degree. No trading desk. Just a method every meteorologist uses and every trader ignores.

The method: meteorologists never forecast tomorrow with a single model. They run 31 and count the votes. He applied that exact framework to Bitcoin.

Built a Claude agent that reads every 5-minute BTC candle and feeds it into MiroFish simulator running 31 parallel prediction paths.

Trade only fires when 28 out of 31 models agree.

Below 26 votes? Trade dies instantly.

The agent moves faster than any human trading desk:

→ Collects market data 24/7 without breaks
→ Runs continuous simulations inside MiroFish engine
→ Operates fully autonomous with zero manual input
→ Every trade executes only when consensus hits threshold
→ Every dollar captured is pure market inefficiency exploit

That is the entire edge.

Not prediction. Consensus.

Position sizing follows Kelly criterion. Signal fires or it does not. Most signals fail the vote count, so the system stays flat most days.

He spent years learning that certainty is a scam and consensus is the only edge that matters.

You only need Claude + device + 1 hour per day.

Giving this free for 24 hours.

To get it:

1. Comment the word Claude
2. Like and retweet this
3. Follow me @codewithimanshu so I can DM you

Save this post. Build the consensus system this week. Start with $200. Scale on evidence.

[Rahul @sairahul1]

Claude Code's creator said something that stopped me cold:

"I don't prompt Claude anymore. I write loops — and the loops do the work. My job is to write loops."

Most developers are still crafting the perfect prompt.

The person who built the tool moved past prompting entirely.

In 30 minutes Boris reveals his actual daily Claude Code setup.

Claude Code + loops + dynamic workflows.

Worth more than any $500 vibe-coding course.

Watch it.

Then read this - everything you need to know about loops to actually apply what he says ↓

Bookmark both. This is your weekend.

[Blaze @browomo]

This Chinese guy created agents in Claude Code for landing pages and single-handedly serves 47 small businesses a month, taking $400 from each.

He built a system of 7 agents on Claude Sonnet 4.6 that analyzes Google Maps in small towns, finds small businesses without websites there, and over 1 weekend takes each one to a finished mockup with video and cold message.

No assistant, no sales team, no SDR. Just him, a MacBook, an iPhone, and 1 API key.

And traditional web design agencies keep teams of 8 people on salary for the same order flow, while his expenses are only tokens and subscriptions to Lovable, Higgsfield, and Calendly.

7 agents work through 1 orchestrator on Claude Code Router. Usage is about 3 million tokens a day, the average API bill is about $480 a month.

All 7 go through MCP servers and write shared state to the file system, without shared state in memory and without race conditions, and 1 of them lives right in the iPhone and picks up positive replies from the subway, a taxi, or on walks.

And here is the system prompt he put into the orchestrator before launch:

"You are the orchestrator of a solo agency that sells ready-made websites to local businesses. You delegate read-only tasks to 6 sub-agents and own all writes.

sub-agents:

// Scout (walks through Google Maps in selected cities, looks for narrow niches: 5+ years on the map, fewer than 50 reviews, no website or a website from 2014, but high ratings)
// Diagnoser (for each lead writes a 50-word diagnosis, hero angle, tone matched to the industry, and a cold message under 70 words)
// Builder (generates a landing page mockup in Lovable through MCP only for the top 5 leads per day, with the sharpest diagnoses and the biggest gap)
// Filmer (pulls 5 screenshots of the mockup and through Higgsfield renders a 10-second vertical video 1080x1920 with a soft zoom)
// Pitcher (sends a personalized cold message through the right channel for the niche: email to roofers, SMS to tradesmen, IG DM to salons, LinkedIn to realtors)
// Checker (runs every message through evals for personalization, absence of AI markers and buzzwords before sending)
// Mobile (lives in the iPhone, handles positive replies in real time, books Zoom calls in Calendly through MCP while the owner is on the go).

You never let 2 sub-agents touch 1 lead. You stop and request approval from the human only when a deal exceeds $3,000 or the reply rate in a niche for the day drops below 12%."

Meaning the system knows what it is and within what boundaries it is allowed to act.

It knows it is supposed to find leads on its own.

It knows it is supposed to take each one to a mockup, video, and cold message without intervention.

It knows the human only steps in when a deal goes above $3,000 or the reply rate stops converging.

→ The system runs 24 hours a day

→ Scout goes through about 220 local businesses on Google Maps per day and leaves 30 new leads in the queue

→ Diagnoser outputs 30 structured diagnoses + briefs + cold messages per day

→ Builder assembles 3 to 5 finished landing pages in Lovable for the sharpest leads

→ Filmer renders a 10-second vertical video in Higgsfield for each one

→ Pitcher sends 30 personalized messages per day across 4 channels with a reply rate of about 14%

→ Checker runs every message through evals before sending

And only when a deal breaks $3,000 or the reply rate for the day drops below 12% does the orchestrator wake the owner.

And when the owner at that moment is sitting in the subway or a taxi, the Mobile agent in his iPhone picks up 1 move on its own: replies to a fresh positive reply from a dentist, books a Zoom through Calendly synced to the local time of the client, and puts the lead back in the queue. The owner only has to tap "approve" and in just 10 minutes join the call.

Here is what the system writes in his log during 1 of the Saturdays:

"scout report: 218 businesses checked in Austin, Denver, and Miami, 34 without a website, 19 with a website from 2014, 6 with an active redesign request in reviews. passing top 30 to diagnoser."

"pitcher: 30 cold messages sent across 4 channels, 14 replies, 5 positive, 3 Zoom calls booked for Sunday. passing to closer."

"builder: landing page for Westside Cosmetic Dentistry built in Lovable, 5 sections, mobile, soft beige. URL placed at /Users/dev/maps-agency/clients/westside/v1. filmer launching Higgsfield."

"eval flag: deal with The Lotus Salon at $3,400 exceeds the approved limit of $3,000. sending for manual review."

He has no server of his own and no separate backend.

Just a local file sandbox at /Users/dev/maps-agency, an MCP router, 1 API key to Claude, and the same key forwarded to Claude Code on his iPhone.

Out of everything I have seen this year, this is the cleanest one-person agency for selling websites to small businesses: $480 a month on the API, about $18,800 into the account, and between them 7 prompts, 1 file system, and 1 phone in the pocket.

[Ankit Dhingra I Ankittalksmoney @AnkitD1501]

@Nithin0dha @ZerodhaVarsity What is the point of opening minor account if we can’t invest in funds like SBI Children’s fund via Coin

[Prem Soni @ValueWithPrem]

I spent 2 hours with a ₹100 crore Marwadi founder last week.

He told me something about money that his own investors don’t know.

Nobody talks about this.

[True market Leader @TmarketL]

Game theory

Most people are playing the wrong game.

If you want to get rich, there are only 3 games that actually matter.

Everything else is a distraction

[Ankit Dhingra I Ankittalksmoney @AnkitD1501]

@Naam_kafi_hai Ankit Dhingra

[Akshat Shrivastava @Akshat_World]

Magic of rupee depreciation

NIFTY 50 delivered around 11.25% CAGR in INR terms over the last 10 years

Adjusting for the 42% INR depreciation against USD; CAGR falls to about 6.5% (in USD terms)

The S&P 500 generated CAGR around 12.57% in the same period in USD terms.

Now the fun part is: you pay capital gains before adjusting for any depreciation. So your real gains further compress.

[Tim Denning @Tim_Denning]

I bet my life-savings Roy Lee will become a billionaire by 2029.

Not because he made $5M in 2 months and went viral on every social media app.

Because he found the secret formula for online business (it’s so basic I couldn't believe it):

[Neil Borate @ActusDei]

Client: What return can I expect from equity in next 10-20-30 yrs?
RM: See last 10-20-30 yrs.
Result: Disaster

Why? As the economy matures, equity and debt returns will fall. Really.

Kick the furniture. Give gali. But save.

Research by @ravisaraogi https://t.co/UPhj6WbMaX

[Dan Go @CoachDanGo]

27 microhabits that will change your life:

1. Follow the One Minute Rule: If something takes one minute (responding to a text, hanging a jacket etc..) or less to complete do it immediately.

[Nithin Kamath @Nithin0dha]

The trend of these frauds are increasing. The past 9 months alone have had scams worth 11000 crores! I dread to think what it will be like once the fraudsters use AI. 😔

One thing you can do to protect yourself is change the settings on your WhatsApp and Telegram so strangers can't add you to groups. Here's screenshots of the settings screen that show how to do it. 1/2

[Akshat Shrivastava @Akshat_World]

Here is the Mutual Fund portfolio I built publicly around 1.25 years back. I made close to 4.5 Crores in profits.

Before, you get excited to make crores, let me share some honest lessons with you that I have learnt along the way:

[1] Without big capital, you are very unlikely to make big money.
[2] Leaving your job to do stock markets full time is a recipe for disaster. Focus on your job to build an income. Invest that income to build wealth.
[3] Unless you learn about stock markets fundamentally, you won't have the real courage to put 60-70% of your net worth in the markets.
[4] The real change in your wealth happens ONLY when you have the courage to put a big chunk of your NET WORTH into a high growth asset (like stocks)
- Putting 5Lakhs, when your net worth is 1Cr won't make any difference
- But, putting 70Lakhs, when your net worth is 1Cr will create a massive change
[5] To do #4, you need courage. Courage comes from knowledge.
[6] Almost all this MF was bought in bulk (no SIPs nothing), 95% Index funds
[7] This means that I saved on at least 0.5-1% commissions, compared to an average investor in Mutual Funds
[8] You might ask: what difference would a 1% commission make? Well, it makes a lot of difference: for example
[9] A SIP of 25K, for 40 years:
- At 11% gives you= 21.69 Crore
- At 12% gives you= 29.7 Crore
That is almost 37% difference in wealth if you are a long-term investor.
[10] If you do not invest more in bad times, you will never make above market returns. If you chase the markets in good times, you will almost always make below market returns
[11] Since, I have a fairly decent sized portfolio: I do have hedges, and most of my positions are in direct equities (not in MF). Because it is easier to do hedging there. Risk management is the #1 rule of building a big portfolio.

I am sharing these notes, to help you get started. I invested most of this money when the markets were sideways. I saw a good cycle: part luck, part courage. To make my next set of big returns, I need to play another cycle.

* I sold SmallCap 250 entirely (hence, my profits notional + real comes out around 4.5Cr)
** I don't do SIP, buy/forget etc. I invest when opportunities are there.

[Akshat Shrivastava @Akshat_World]

NVIDIA's stock created several millionaires.

Since 2019, it gave 3776% since 2019. And, many employees who owned the ESOPs became millionaires.

Now, you might not be able to replicate this story, but there is a very important lesson: that to get rich, you need to own equity.

[1] Equity means "a share" in a firm
[2] Many get this as a part of their job (ESPOs)
[3] Most can buy it from public markets in the form of listed stocks
[4] You can also buy it from unlisted firms (at an angel or pre IPO stage)
[5] You can also build a firm: and create equity.

More interesting question is: why does equity create wealth?
Well this happens due to something called as a PE ratio.

You might have often seen that IT firms trade at a PE of 30, AI stocks are trading at 70-80 PE.

Why such a difference? And, what does it really mean?

In simple words: PE depicts the price an investor wants to pay for a particular type of business. For eg. PE of 70 means: that for for 1Rs of earning, the investor wants to pay 70Rs as price right now.

The expectation is: that this industry/firm will grow really fast in the future.
So when things heat up, people want to bet more money on the growth rate of certain stocks/industries.

And, the PE can expand to insane levels.

For example: just after before COVID good IT firms were trading at a PE of 23.
Post COVID, everyone thought that: people will just sit at home and use computers. The PE expanded to 45.

Or in other words: the valuation of the firm almost 2Xed.

People can speculate on an equity.
And, speculation creates a market that creates wealth.

Unless you own equity, you are never really "in the game".

[James Lucas @JamesLucasIT]

3. Everybody alive today compared to everybody who has ever lived

[Ankit Dhingra I Ankittalksmoney @AnkitD1501]

@Akshat_World Next steps: Start a business and move to Dubai