Handa Uncle

Helping people make fewer bad financial decisions.
Handa Uncle answers practical questions about personal finance, investing, and retirement planning.

[Handa Uncle @HandaUncle]

Axis MF has paused fresh subscriptions in its Gold ETF & FOF. Should you worry?

Not immediately. It's an operational issue, too much demand, not enough physical gold being sourced fast enough. Existing investors are safe. The ₹10 lakh/month cap covers most retail investors anyway.

The real concern is the bigger trend: SGBs gone, international MFs still shut, and now this. Good investment options are slowly narrowing.

#GoldETF #AxisMF #MutualFunds #Investing

[Handa Uncle @HandaUncle]

20 years in finance.
₹10,000+ crore raised.

A conversation on corporate finance, large-scale borrowing, insolvency, and the lessons learned along the way.

Video premiering now!!
https://t.co/6K4eeZNOf5

[Handa Uncle @HandaUncle]

Please tell me I am not the one who read it as "Kuku files confidently for an IPO" and went well yeah - they must be confident to file an IPO.

[Chandra R. Srikanth @chandrarsrikant]

🚨 BREAKING: Kuku files confidentially for an IPO; plans to raise upto $360 million at a valuation of $1.8 billion

With @tsuvik

https://t.co/sQR063HKxN

[Handa Uncle @HandaUncle]

3 lakhs a month on 83 lakhs investment is more than 40% a year.

No investment can get you that. Well, may be buying a lottery every month and getting lucky would.

But beyond that, if someone is selling you 40% returns - you should run away from them.

[Neha Singhal Trader @nsinghal211]

My uncle has 83 Lakh of rupees. He will retire next month.

Where should he invest so that he gets a minimum of 3 lakhs as a fixed monthly income?

[Handa Uncle @HandaUncle]

Wealth is usually built gradually.
Debt usually grows gradually.

Both compound.

The direction matters.

[Handa Uncle @HandaUncle]

Most people worry about stock market risk.

Far fewer think about income risk.

Yet for most households, the biggest financial asset isn't a stock portfolio.

It's the ability to earn.
Which is why continuously upgrading skills, building networks, and creating additional income streams can be just as important as investing.

Because protecting earning power is also a form of wealth management.

[Handa Uncle @HandaUncle]

Looking for 15% returns while paying 40% credit card interest?

Wrong game.

Before investing, eliminate expensive debt.

New video premiering now👇

https://t.co/SOk0td7dUh

[Handa Uncle @HandaUncle]

Gold has been used as a store of value for over 5,000 years.

Ancient civilizations like Egypt viewed gold as a symbol of wealth, power, and trade.

Even today, during periods of economic uncertainty, investors continue moving toward gold as a “safe haven” asset.

With recent geopolitical tensions, inflation concerns, and global market volatility, gold prices have once again remained in focus worldwide.

Thousands of years later, gold still plays the same role:
a hedge during uncertainty.

[Handa Uncle @HandaUncle]

Tracking your portfolio doesn’t have to be complicated 👀

Here’s a simple Google Sheets setup to stay on top of your investments.

[Handa Uncle @HandaUncle]

Passive income is rarely passive.
Especially when the “monthly rent” comes with monthly problems.

[Handa Uncle @HandaUncle]

Passive income is rarely passive.
The income scales later, the effort starts now.
@ravihanda

[Handa Uncle @HandaUncle]

The U.S. market isn’t just America anymore. It’s where the world’s biggest companies grow. 📊

[Handa Uncle @HandaUncle]

Being frugal is different from being independent.
Don’t sacrifice today completely for a future version of yourself.

[Handa Uncle @HandaUncle]

Your savings account should store convenience, not wealth.

Idle money is silently losing value every day.
@ravihanda

[Handa Uncle @HandaUncle]

Most people don’t buy the dip because they already went all in.

Asset allocation isn’t boring.
It’s what gives you the power to act when markets crash. 📉📈
@Harishreddy_SM @ravihanda

[Handa Uncle @HandaUncle]

Going through a mutual fund distributor can sometimes cost you far more than you realise.

Not because the fund is different.
Just because the commission structure is.

[Handa Uncle @HandaUncle]

Most Indians still buy gold the old way. 👀

But Electronic Gold Receipts (EGR) could completely change how people invest in gold.

EGR vs Digital Gold vs Gold ETF, explained simply.
Premiering now:
https://t.co/Cl4F4NJqNX

[Handa Uncle @HandaUncle]

64% vs 38%.
Small town investors vs metro investors, share of mutual fund money in equity.
The number you'd least expect is higher.
Sapal Dorjee, a shopkeeper from Leh, started a ₹2,000 SIP in 2000. Never stopped. Today, ₹1 lakh every month.
Consistency has always been the real edge.

[Handa Uncle @HandaUncle]

Low-cost index funds are the solution.

If you keep chasing alpha, if you keep worrying about missing out on opportunities, if you keep looking for schemes that beat the market, you will lose out in the long run.

You will realise it someday. Maybe not today. Maybe not next year. But someday you will realise the futility of the chase and regret that you could have used your time better and had more money in your account.

We are conditioned to believe that working harder and putting in more effort leads to better outcomes. In most areas of life, that is true. We are also conditioned to believe that there are experts who know significantly more than we do and can therefore manage our money better than us. Both of these assumptions are flawed.

You putting in more time and effort into managing your money does not necessarily translate into having more money at the end. Similarly, all these experts you rely on, who may indeed know more about money than you do, are often better at making money for themselves than for you.

Please understand that every single person in this ecosystem, Vivek sir included, myself included, has incentives. There is a reason why we do what we do. Money managers have a business incentive to extract more and more value from you. They are glorified salesmen.

Although Vivek sir's criticism is directed towards PMS managers, they impact only a very small fraction of investors. The much bigger culprits are mutual fund distributors pushing regular plans. They will sell you the India growth story. They will sell you GIFT City funds for international investing. They will show you how the dollar is performing or tell you stories about the rise of consumption at the bottom of the pyramid. And while selling you these stories, they quietly take away a significant portion of your returns. They are storytellers.

And let me not even get started on perhaps the biggest culprits of them all: bank relationship managers. They will sell ULIPs to 70-year-olds. It is a bad world out there.

The only real solution, as I said in the beginning, is low-cost index funds.

If you do not know what they are, spend half an hour learning about them. Understand how they work. Understand why they work. That is all you really need.

[शिक्षित बेरोज़गार @kaul_vivek]

You dezerve better.
It has been proven all over again that the main KRA of most people in and around the business of managing other people's money(OPM) is to make fools of the junta out there.
There is a lot of Dumb Money going around: Mundus vult decipi, ergo decipiatur," which translates exactly to: "The world wants to be deceived, so let it be deceived."

[Handa Uncle @HandaUncle]

We're hiring a Full Stack Engineer at Handa Uncle, Bengaluru! 🚀

📍 On-site | 2–4 years experience

🔹 Flutter/Dart – at least one shipped app
🔹 Node.js / TypeScript or Python
🔹 REST APIs, databases & cloud (GCP, AWS, Firebase)
🔹 Mentor junior devs & own the stack end-to-end

👉 Apply here: https://t.co/a6hFfH19Ae