Rakesh

I post summary of news articles I find interesting.

[Rakesh @NeuDelhi]

Is your portfolio too heavy on equity asks @livemint ? 📊

With the market experiencing time corrections and negative returns recently, here’s a quick takeaway on managing your allocation:

Understand the Risks: Equity corrections (price dips of 30–50% or prolonged flat phases) are normal. High expected returns always come with risk, not guarantees.

Assess Drawdown Tolerance: Remember major falls (like the ~38% drop in early 2020). Ensure your risk appetite matches potential market drawdowns.

Diversify Smartly: No single asset class (equity, fixed income, gold) outperforms forever. A properly balanced portfolio across multiple asset classes helps smooth out market volatility.

Stay the Course vs. Diversify: If you have a long horizon (10+ years) and can handle sharp swings, staying invested works. If market drops make you uncomfortable, a balanced "diet" across equity, debt, and gold is the more sensible path.

[Rakesh @NeuDelhi]

Holding too much real estate in retirement can quickly become a burden rather than a safety net says @livemint

As family structures shift and children move away, more Indian retirees are selling, downsizing, or redeveloping secondary properties to unlock liquidity, reduce maintenance stress, and simplify inheritance.

Why retirees are rethink real estate:

Low Rental Yields: Residential rental yields average just 2–3%, often eaten up by maintenance, taxes, and tenant hassles.

Illiquidity & Maintenance: Real estate can't be sold piecemeal during emergencies, and upkeep becomes harder with age.

Easier Succession: Financial assets (FDs, bonds, liquid funds) are significantly easier to split among heirs than physical property.

Financial Advisor's Rule of Thumb: Retain your primary residence, but reconsider secondary or ancestral properties unless they yield exceptional returns. Reinvest the proceeds into liquid, income-generating financial assets (like 54EC bonds, G-Secs, or FDs) to fund a stress-free lifestyle.

[Jasveer Singh @jasveer10]

Indian parents have somehow turned sleep into a character flaw and waking up early into an achievement.

Parents see their child sleeping till 9 AM and immediately conclude - lazy, no discipline, no focus, no ambition, etc. Life mein kuch nahi karega.

But if the same person wakes up at 5 AM after sleeping for five hours, suddenly everyone is impressed. Why? What exactly did he achieve by waking up at 5 AM? Nothing.

Waking up early is not an achievement. Sleeping properly is more important than waking up early.

For decades, two groups have ruined Indians relationship with sleep. Parents and teachers.

Since childhood we have heard nonsense like “Jo sota hai, woh khota hai” Curtains opened. Doors banged. Lights switched on. Someone deliberately making noise because apparently seeing a child sleeping peacefully is unbearable for Indian parents.

Nobody asks what time the person slept. Nobody asks whether they got enough sleep. Nobody cares about the quality of sleep. Bas subah jaldi uthna chahiye.

This obsession is stupid. Your body does not care about your parents' definition of discipline, it needs adequate sleep. Sleep affects your concentration, memory, mood, recovery, metabolism and overall health.

Please understand this - Your body has its own sleep clock. Once it has had enough sleep, you naturally wake up. You cannot just keep sleeping because nobody disturbed you.

Yet in Indian households, disturbing someone's sleep is treated as completely normal. Even today, millions of Indian kids face this every single day.

And then we carry the same stupidity into adulthood. Indian parents need to stop treating sleep like a crime.

[Rakesh @NeuDelhi]

https://t.co/aI6ihpkn1g

[Rakesh @NeuDelhi]

5 Traits of Good Leaders, according to @adhia03 :

Focus & Passion – They see work as worship and are deeply committed to their roles.

Emotional Intelligence – Guided by love, kindness, and empathy, they actively avoid harming others.

Equanimity & Accountability – They accept outcomes gracefully without blame, learn from failure, and course-correct.

Humility – They never boast and readily share credit with others.

Generosity – They share wealth and knowledge freely without seeking recognition.

[Rakesh @NeuDelhi]

@manogyaloiwal https://t.co/NaAydwAme6

[Dr. Priyam Bordoloi @DocPriyamMD]

One ordinary kitchen mistake can send an entire family to the hospital even when the food looks, smells and tastes completely normal.

Here are 5 kitchen habits people often assume are safe:

1. THAWING MEAT

[Dr. Priyam Bordoloi @DocPriyamMD]

Women have two X chromosomes. That brings some real advantages, and a few problems too.

Benefit 1: If one X carries a harmful mutation, the other can sometimes compensate. That is why haemophilia and Duchenne muscular dystrophy are far more common in men.

Benefit 2:.....

[Dr. Eric Berg DC @dr_ericberg]

18 things your face can tell you about deep health problems and what you can do to help improve your health naturally:

1. Balding - A sign of high DHT (testosterone)
• Pumpkin seeds
• Green tea
• Zinc

2. Losing outer eyebrows - A sign of hypothyroidism
• Iodine

3. Bloodshot eyes - A sign of liver issues and insulin resistance
• Avoid junk food
• Avoid alcohol
• Get on Healthy keto and IF

4. Dark circles beneath eyes - A sign of insulin resistance
• Keto and IF

5. Bags beneath eyes - A sign of blood sugar problems or kidney issues
• Keto and IF

6. Oily skin - A sign of high androgens (men) or PCOS (women)
• Zinc
• Keto and IF

7. Facial hair (women) - A sign of high androgens
• Keto and IF

8. Acne - A sign of high androgens
• Keto and IF

9. Cataracts - A sign of vitamin deficiency and high insulin
• Vitamin A
• Vitamin B1 (benfotiamine)
• NAC drops
• Lower carbs

10. Red cheeks - A sign of Cushing syndrome and high cortisol
• Natural antibiotics, including garlic, oregano, thyme, wormwood extract, and sage
• Natural probiotics, like sauerkraut

11. Grey or brown cheeks - A sign of melasma and high estrogen
• Avoid unnecessary hormone medications
• Avoid environmental plastics
• Avoid estrogenic chemicals
• Use DIM
• Consume cruciferous vegetables
• Take iodine (sea kelp)

12. Peeling, rough or dry skin, or Dermatitis - Signs of low omega-3s and high omega-6s
• Increase fatty fish
• Cod liver oil
• Avoid chicken, fried foods, nuts, and grains
• Avoid junk food

13. Dry eyes - A sign of low omega-3s
• Cod liver oil

14. Dry hair - A sign of low omega-3s
• Cod liver oil

15. Blackheads - A sign of low vitamin D
• Sun exposure
• Mushrooms
• Supplements

16. Cracked corners of mouth - A sign of low vitamin B2
• Avoid refined flour
• Take vitamin B2

17. Cold sores - A sign of HS1 virus infection and a weak immune system
• Garlic
• Zinc
• Fasting
• Avoid stress

18. Rounded face - A sign of high insulin
• Healthy Keto and IF

Dr. Eric Berg, DC, not MD; information only

[Psychodoctor @Psychodoctor06]

A monk once said:

“Imagine being bitten by a snake, but instead of treating the poison, you chase the snake, trying to understand why it bit you and prove you didn’t deserve it.”

Many people get stuck in this question.

Why did this happen to me?

You replay the conversation.
Analyze their words.
Question their motives.
Search for what you did wrong.
Build a case for why you didn't deserve it.

You keep chasing the snake that bit you.

But the snake isn't the problem anymore.

The poison is.

Understanding can help. But endlessly searching for an explanation can keep the wound open.

You may never get an apology.
You may never understand their motives.
You may never get a satisfying answer.

And you don't need one to heal.

At some point, stop asking “Why did they hurt me?”

Start asking:
“What do I need to do to heal?”

Stop chasing the snake.
Treat the wound.

#wisdom

[Dr. Priyam Bordoloi @DocPriyamMD]

I have seen patients in their 90s even 95 walk into the hospital, answer every question themselves and leave without anyone holding their hand.

Whenever I meet someone ageing that well, I pay attention.

Five habits stand out:

1. KEEP A PET

[Rakesh @NeuDelhi]

⚠️ Q1 Earnings Cheer May Not Last
While Q1FY27 results offered a brief silver lining for Indian equities, headwind pressures suggest the earnings momentum may struggle to sustain says @livemint
Key Takeaways:
Q1 Beat Driven by One-Offs: Normalized PAT (ex-oil & gas) grew 20% YoY, beating consensus by 5%. However, tailwinds like GST/tax cuts and low-base effects will fade in H2FY27.
Macro & Volatility Risks: Persistent West Asia conflict keeps crude oil prices volatile, threatening margins for paints, cement, and chemicals as low-cost inventory dries up. A sub-par monsoon also risks elevating food inflation and dampening rural consumption.
Demanding Valuations: BofA's survey names India as Asia's least-favored stock market due to weak growth and rich valuations. Nifty 50 trades at a 17x 1-year forward P/E, maintaining a premium to regional peers.
Muted Credit & Investment Growth: Systemic credit growth remains sluggish and isn't translating into adequate consumption push, while household and central capex spending stay constrained.

[Rakesh @NeuDelhi]

📈 Nifty Finds Footing, Hints at Possible Bullish Phase
The Nifty 50 is showing strong signs of a recovery from its April low, forming a consistent pattern of higher highs and higher lows that points to an improving medium-term trend says @livemint
Key Takeaways:
Technical Rebound: Since hitting a low of 22,182.55 on April 2, Nifty has gained 6.85%, touching 24,774.30 on August 3 and closing at 24,252 on August 21.
Shifting Market Structure: Analysts note that the market is moving out of its corrective phase and into a constructive bullish structure, mimicking a key technical setup last seen in 2018.
Resilience Against Headwinds: The recovery comes despite tough macro conditions—including rising crude oil prices, US-Iran geopolitical tensions, higher bond yields, and a stronger dollar.
Institutional Support: DIIs and retail liquidity provided strong downside support, while FIIs turned net buyers (investing ₹45,796 crore across July and August).

[Lucas Herrera @CoachLucHerrera]

My doctor told me to try these 3 supplements for 60 days...

Zinc in the morning.
Magnesium at night.
D3+K2 with breakfast.

Then... no kidding my personality did a complete 180!

1. Zinc. In the morning made me

[Rakesh @NeuDelhi]

🤖 Paytm Expanding AI, High-Margin Fintech Bets, Says Sharma to @EconomicTimes
After posting its first fully profitable financial year, Paytm CEO @vijayshekhar announced the fintech giant will double down on AI, financial services, and merchant expansion while keeping payments as its core foundation.
Key Takeaways:
Financial Turnaround: Recorded an FY26 net profit of ₹552 crore (vs. a loss of ₹663 crore the previous year) with revenue rising 22% to ₹8,437 crore. Q1 FY27 profit jumped 79% YoY to ₹220 crore.
Ecosystem Drivers: Merchant GMV grew 26% to ~₹23.8 lakh crore, while subscription merchants reached 1.51 crore. Financial services revenue surged 52% to ₹2,594 crore, now accounting for 31% of total revenue.
AI Deployment: Utilizing open-source LLMs and specialized small models for merchant onboarding, fraud detection, collections, and voice tools in regional languages to boost operational efficiency.
Stock & Leadership Update: Shares closed at ₹1,632 (up >5x from Feb 2024 lows). Board recommended setting Sharma's fixed pay at ₹7 crore for FY27 alongside performance-linked variables.

[Rohan Dua @rohanduaT02]

I tested positive for H1N1 last evening. My fever was 103 for two days & over the past 72 hours, I experienced intense body aches, delirium and nausea. This is my second hospitalisation this month, first being for severe rhinitis

Being given Tamiflu

Only prayers alone work🕉️

[Anuja Jaisswal @AnujaJaiswalTOI]

FLU #VACCINE #REDUCES #SEVERE #DISEASE : Flu vaccines typically reduce the severity of disease. We are not seeing a surge of severe disease among vaccinated people, says @AnuragAgrawalMD
Breakthrough infections can occur, but vaccination also reduces the overall risk of symptomatic infection. @timesofindia

[Luke Coutinho @LukeCoutinho17]

Top natural food sources for Magnesium

Pumpkin seeds
Chia seeds
Almonds
Spinach and other green leafy vegetables
Lentils, Chickpeas and other legumes
Avocado
Banana
Milk and yogurt
Dark Choclate (70% or higher )

#magnesium #vitamins

[Dr.Sayajirao Gaikwad @DietDrsayajirao]

H1N1 is rising.
Nutrition cannot treat the virus. It only supports your body while it fights.
- Hydrate first: water, coconut water, warm soups, ORS
- Eat light: khichdi, dal, vegetable soup. Small frequent meals
- Keep protein going: egg, paneer, dahi, dal (even if appetite is low)
- Ginger + turmeric + amla kadha
- Skip sugar, fried food, junk
- Rest + these = better recovery.
See a doctor early if high-risk or symptoms worsen.

[Rakesh @NeuDelhi]

💵 Foreign Investors Continue to Buy, Financials Top the List
Foreign Portfolio Investors (FPIs) remained net buyers in the first half of August, bringing in ₹16,621 crore across Indian equities—marking the fourth consecutive fortnight of positive inflows says @EconomicTimes .
Key Highlights:
Top Sector Inflows: Financial Services led the buying with ₹6,535 crore, reversing July's outflows. Auto & Auto Components (₹4,405 crore), Consumer Services (₹3,398 crore), Healthcare (₹2,901 crore), and IT (₹2,530 crore) also saw robust demand.
Major Sector Outflows: Telecommunication (-₹3,322 crore), Capital Goods (-₹1,556 crore), Power (-₹1,164 crore), and Realty (-₹1,014 crore) saw the largest selling.
Shift to Mid-Caps: FPIs are showing a strategic shift toward mid-cap names within key sectors rather than sticking strictly to large-cap heavyweights.
Analyst Sentiment: Financials are viewed as significantly undervalued with 3- to 5-year growth visibility. Meanwhile, IT inflows hint that the sector's worst downturn may be behind it.