Mukesh

Investor | Triathlete 🏊🚴🏼‍♂️🏃|
Building a healthy body & portfolio |
Tweets on Health, Wealth & Discipline

[Mukesh @Vitawealth1]

My 5 year fixed mortgage at 1.14% comes up for renewal in Feb 27.

The best rate on the table right now is 5.3%

That’s an extra £700 every single month in pure interest expense for the exact same house.

Faced with this choice: would you take 2 year fix hoping for cuts, or lock in 5 years for long term stability

[Mukesh @Vitawealth1]

@CanadianEPS Congrats mate 👊

Same story here. 7 years ago, India was ~80% of my total portfolio.

It’s sitting closer to ~35% today, even after compounding at ~18% CAGR over that period.

[Mukesh @Vitawealth1]

$AMD hits new ATH today.

Now up 4.5x for me - sitting comfortably as my third largest holding behind $RKLB and $NBIS

Holding through the noise works.

[Mukesh @Vitawealth1]

$AMD beats on every single metric, doubles Data Center revenue YoY, and still gets sold off after hours.

This dip won't last long.

[Mukesh @Vitawealth1]

At what interest rate does overpaying your mortgage actually beat investing?

My 1.14% fix jumps to 5.3% in February 2027, but I’m not overpaying a penny. With 15%+ CAGR over the last 7 years, allocating capital to an ISA and workplace pension/SIPP makes far more sense.

Unless interest rates push toward 7%, I’m letting the compounding run.

What is your personal tipping point to pay down property debt?

[Mukesh @Vitawealth1]

My 5 year fixed mortgage at 1.14% comes up for renewal in Feb 27.

The best rate on the table right now is 5.3%

That’s an extra £700 every single month in pure interest expense for the exact same house.

Faced with this choice: would you take 2 year fix hoping for cuts, or lock in 5 years for long term stability

[Mukesh @Vitawealth1]

@heeraniparkash @RocketLab 🤣🤣

[Mukesh @Vitawealth1]

Absolutely reckless parenting. Due to their irresponsible behavior, the child has already missed 27 full days of compounding.

[Nithin Kamath @Nithin0dha]

Our youngest customer is just 28 days old. The parents opened a Zerodha minor account, and a week later, they made the first investment.

[Mukesh @Vitawealth1]

Beautiful chart, $RKLB is getting ready is fly 🚀

[Mukesh @Vitawealth1]

@tommuk00 What rate did you get?

[Mukesh @Vitawealth1]

My 5 year fixed mortgage at 1.14% comes up for renewal in Feb 27.

The best rate on the table right now is 5.3%

That’s an extra £700 every single month in pure interest expense for the exact same house.

Faced with this choice: would you take 2 year fix hoping for cuts, or lock in 5 years for long term stability

[Mukesh @Vitawealth1]

Never expected this post to cross 1 million views!

High home loan rates are a major burden for UK households right now. A huge wave of ultra-low rate mortgages is coming up for renewal over the next 6 months

Thanks for sharing your takes!

[Mukesh @Vitawealth1]

My 5 year fixed mortgage at 1.14% comes up for renewal in Feb 27.

The best rate on the table right now is 5.3%

That’s an extra £700 every single month in pure interest expense for the exact same house.

Faced with this choice: would you take 2 year fix hoping for cuts, or lock in 5 years for long term stability

[Mukesh @Vitawealth1]

@ViralMuzik1989 Yes, going for 2 years. Currently fixed, exploring variable rate as well

[Mukesh @Vitawealth1]

The foundational study that proved exercise saves lives wasn't done in a lab - it was done on London's double-decker buses.

In 1953, Dr. Jerry Morris studied 31,000 London transport driver and conductors to answer a simple question: Does daily movement protect your heart?

He compared double-decker bus conductors (climbing ~600 stairs a shift) to bus drivers sitting for 90% of their shift.

The results were shocking:

- Drivers suffered nearly double the rate of sudden, fatal heart attacks compared to conductors. Similar diet, same city, same workplace. The only variable was daily movement.

- Conductors had drastically lower rates of heart disease, and when it did occur, it was far milder and hit much later in life.

It was the first study to prove that everyday movement is a non-negotiable cardiovascular shield.

You don't need grueling workouts to protect your health. You just need to stop sitting all day.

https://t.co/GDz4R66SIu

[Mukesh @Vitawealth1]

$MU generated $32.9 billion in Free Cash Flow last quarter alone.

That single-quarter cash generation shifted the balance sheet to a $68.3B net cash position

The company has signed 26 Strategic Customer Agreements covering 35% of revenue through 2030, with $32 billion in customer cash deposits. Management says margins stay meaningfully above any prior cycle peak. That is a structural change to how memory economics work.

The HBM opportunity is accelerating. Micron overtook Samsung for the #2 spot globally. CY2027 HBM supply is already sold out at significantly higher prices than CY2026. The company is working with NVIDIA on NVHVM, the industry's first custom HBM4E implementation for next-gen GPUs and NVLink Fusion.

Data center now drives 63% of revenue. Core Data Center posted 90% gross margins and grew 56% sequentially. Data center SSDs hit nearly $10 billion in Q4.

Micron is building six new fabs simultaneously. If demand slows before that capacity comes online, capex commitments become a drag. But 75% of FY2027 output is already committed, customer discussions are already focused on 2028, and management sees no line of sight to supply-demand balance.

Trading at ~13x trailing earnings, the stock isn't reflecting the multi-year revenue visibility provided by contracted customer prepayments and sold-out capacity through 2028.

[Mukesh @Vitawealth1]

Your knees aren't just carrying your body weight - they're acting as force multipliers. 

Take a normal step on flat ground, and every 1 kg of body mass puts about 4 kg of load on the joint.

Start running or walking down stairs, and that multiplier jumps to 7–9x

It’s why even modest weight loss make a massive difference in how your joints feel over time.

[Mukesh @Vitawealth1]

It’s funny how the brain work, when you feel like you have zero energy for the gym, that’s almost always when you need to go the most.

Most of the time that "exhaustion" just mental clutter from a long day of sitting and staring at screens.

Step through the door, get the blood moving, and you end up creating the energy you thought you lacked.

[Mukesh @Vitawealth1]

@SaintSlimJim Yes, it’s with HSBC

[Mukesh @Vitawealth1]

@s_108 I can’t. Currently application is on for 5.3% 2 years fixed, and evaluating 2 year fixed. Not planning g on 5 years

[Mukesh @Vitawealth1]

@ohisaymatron 🤣

[Mukesh @Vitawealth1]

@Eatonmess1 Interest rate vs investment in stocks

[Mukesh @Vitawealth1]

@Mariusz_Invest 👊

[Mukesh @Vitawealth1]

Sleep score back over 90 after a messy weekend.

Going to bed early at consistent makes all the difference

[Mukesh @Vitawealth1]

@BulletRobinson Yes, affordability is not an issue.

[Mukesh @Vitawealth1]

@drspurs2026 @TradeSmarterST Block them and move on