Before starting your first SIP, ensure you have an emergency fund covering 3-6 months of expenses. Don't invest money you might need in a hurry. This is Lesson 1 in Finlo's investing module.
Understand expense ratios in mutual funds. A 2% expense ratio on a ₹10 lakh investment means ₹20,000 annually goes to fees, impacting your long-term returns. Lower is generally better.
Ray Dalio sees an AI bubble. This reminds us that even transformative technologies can have speculative phases. Always evaluate investments based on intrinsic value, not just hype. A core Finlo lesson.
To start investing, follow 3 steps: 1. Set clear financial goals (e.g., house, retirement). 2. Create a budget to find investable surplus. 3. Choose investment avenues aligned with goals and risk tolerance. Simple and effective.
@lalitinvestor The cost people underrate is the time their money sits idle between redeem and reinvest. A few days out of the market during a rally can hurt more than any exit load. Until a clean switch exists, staggering the move beats redeeming everything in one shot.
Government is selling a 3% stake in NLC India via OFS. As an investor, look at the company's fundamentals, future prospects, and the offer price relative to its intrinsic value, not just the discount.
@ValueResearch Such an underrated idea. The hardest part is the paperwork, so do the KYC with them once and set an auto debit on their salary day. Even 500 a month compounding for 20 years quietly becomes a real cushion they never thought they could have.
@StreetSensex This is the quiet superpower of automation. A SIP keeps buying on the days you would have panicked and sold, because nobody is asking it to decide. Take the human out of the monthly choice and you remove the single biggest reason people underperform their own funds.
@FamyRasheed Worth knowing why this happens. Each gold ETF unit must be backed by physical gold, so when money floods in after a price run, fund houses hit supply limits. Lesson for most people: keep gold a small fixed slice, rebalance into it, never chase the hot run.
Myth: Investing in the stock market is like gambling. Reality: Investing is based on research and long-term strategy, not chance. Gambling is about immediate wins. Finlo teaches you how to invest strategically.
@DamolaAderibig1@X Building Finlo over here, a Duolingo style app that teaches money to India in tiny daily lessons. SIPs, taxes, credit, insurance and how to dodge the usual scams, all in plain language. Made for people who were never taught this stuff. https://t.co/1od0zVUm2x
@buigiathanh2802 This week I am building Finlo, a finance app for India in the spirit of Duolingo. Bite sized daily lessons on SIPs, taxes, credit and avoiding scams, aimed at people who never got taught any of this. Happy to connect with other builders here. https://t.co/1od0zVUm2x
@TanzilaSha9574 Working on Finlo, a finance learning app for India that runs like Duolingo. Tiny daily lessons on SIPs, taxes, credit and spotting scams, made for anyone who feels money is too complicated to start. Would love your eyes on it. https://t.co/1od0zVUm2x
@pvsubramanyam This is the quiet truth behind every flat stretch. Even great businesses spend years going nowhere, which is exactly why a tip is useless and time in the seat is everything. A steady SIP turns those boring patches into cheaper units rather than reasons to quit.
@Finance_Bareek The boring stuff quietly does the heavy lifting. A health cover and a few months of expenses parked in a liquid fund are what let the rest of the portfolio stay invested through a shock. Net worth that survives a bad month beats a flashy number that does not.
@vaaselene Congrats, showing up daily really compounds. On my side I am building Finlo, the money education app India never had. Quick daily lessons that slot between your coffee and commute, covering SIPs, taxes, credit and insurance. https://t.co/1od0zVUm2x
@boardyai Finlo: a finance learning app built for India, Duolingo style. Short daily lessons that take SIPs, taxes, credit, and the scams floating around, and make them actually click for first time earners. https://t.co/1od0zVUm2x
@Zinny_Edmund Morning! Heads down on Finlo, a money learning app for India that works like Duolingo. Short daily lessons on SIPs, taxes, credit and the scams hiding in between, built for people who find finance intimidating. https://t.co/1od0zVUm2x