Yabez Yoshua

[Nikhil Jha @NIKHILLJHA]

🚨HDFC Ergo Optima Secure+- Is this the turning point for HDFC?

HDFC Ergo launched Optima Secure+ with
🩺Unlimited bonus
🩺Unlimited restoration
🩺Upto 18% discount for first-time buyers
and much more

A thread🧵on the features of Optima Secure+ and whether you should u buy the policy?��

[Compounding Quality @QCompounding]

Bear markets can make you very rich. You just don't realize it at the time.

During bear markets, you lay the foundation of your future returns.

"Someone's sitting in the shade today because someone planted a tree a long time ago.” - Warren Buffett

[Compounding Quality @QCompounding]

📚 Since I started investing, I have read more than 500 investing books.

In this thread you can find 10 books that will change your investment career forever.

⬇️⬇️⬇️⬇️⬇️

[Sunil Gurjar, CFTe @sunilgurjar01]

“I bought Balkrishna Industries at Rs.100 crore Market cap. We sold it at 1,200 crores market cap in 2 years. Today it is trading at 50,000 Crores market cap.”

“We bought at 1 PE with 40% ROE. But we were kids to understand power of compounding.”

- Ramdeo Agarwal

[Invest In Assets 📈 @InvestInAssets]

The big money is made in the waiting:

[Balu Gorade @BaluGorade]

We are a $4T economy.

$1T was built by steel, cement, aluminium, jute, textile companies.

$1T to $4T was driven by banks, pharma, IT.

$4T to $8T will be built by semis, AI, defence, niche pharma.

Powerful 2 mins by Sunil Singhania🔥

[Ronit Pereira @CAronitpereira]

“In 2008, Nifty crashed 50% and my portfolio crashed by 75%. Fortunately, we never borrowed and invested.”

“But I did not have enough cash to buy at those cheap valuations. I’ve learned that always have cash for such situations.”

- Govind Parikh. March 2025

[Balu Gorade @BaluGorade]

Only 25% of the time gold does better than equity.

A powerful insight on Gold by Kalpen Parekh. 😇

[Beldex.bdx @BeldexCoin]

Crypto is evolving fast and privacy is evolving faster.

Beldex is the third largest by Mcap and among the fastest-growing ecosystems, building for privacy in every online interaction.

We're expanding across payments, exchanges, and wallets to ensure accessibility. 1/3 🧵

[Trending Bitcoin @TrendingBitcoin]

BLACKROCK CEO LARRY FINK:

"WE’RE NOT SPENDING ENOUGH TIME TALKING ABOUT HOW QUICKLY WE’RE GOING TO TOKENIZE EVERY FINANCIAL ASSET."

[Vala Afshar @ValaAfshar]

I consistently see people rise in life who not the smartest, sometimes not even the most diligent, but they are learning machines.

—Charlie Munger

(there is so much wisdom in this short video)

[B Padmanaban ([email protected]) @padhucfp]

When an investor investing in GOLD, they never sell.

When an investor investing in Real Estate, most of them don't sell and even if they wanted to sell they will not get the price what they are looking for.

These two can touch and feel and emotionally connected.

When they invest in mutual fund it is piece of paper, promissory note. You can't feel so non-emotional often do not hold for long term. Moreover the value is measure every now and then!

Wealth creation is all about your non-emotional attachment towards your investment. That's why only very few are successful others are not.

[Ronit Pereira @CAronitpereira]

“Indian stock market don’t dance to the tune of foreigners now, because local flow of capital is so large.”

“Only 6% of Indian savings are in equities vs 40% globally. We’re where the U.S. was in the 1980. So next 10 yrs could see a massive shift into equities.”

- Prashant Jain

[CA Manish Goel @StockGoel]

Titan Biotech is a classic "B2B" (Business to Business) player... This means they do not sell to the common man (you and me); they sell to other massive industries who then use Titan's products to make the final medicines, food, or vaccines we consume.

Here is the detailed breakdown of Who their Clients are and What they Buy.

1. The Client List (Who buys from them?)

While specific client names are often confidential in the B2B world (due to Non-Disclosure Agreements), Titan Biotech supplies to companies in these 5 major sectors. They export to 100+ countries, so their clients are global.

A. Pharmaceutical Companies (The Biggest Buyers)
* Who they are: Drug manufacturers (like Sun Pharma, Biocon, or global generics makers) and Vaccine manufacturers.

* Why they buy: To make antibiotics or vaccines, you need to grow bacteria or cells in a tank. Bacteria need "food" to grow. Titan sells that food.

* The "Stickiness": Once a Pharma company files a drug recipe with the FDA using Titan’s ingredient, they cannot switch to another supplier easily without re-doing expensive tests. This makes Titan a "Strategic Supplier."

B. Diagnostic Labs & Hospitals
* Who they are: Pathology labs (like Dr. Lal PathLabs, Metropolis) and Hospital research centers.
* Why they buy: When you give a blood/urine sample for a "Culture Test," the lab puts your sample in a petri dish. The jelly in that dish is Culture Media. Titan manufactures this media.

C. Food & Beverage Giants
* Who they are: Companies making Noodles, Biscuits, Sauces, and Processed Foods (like Nestlé, Britannia, or ITC).
* Why they buy: They need "Flavor Enhancers" (to make food tasty) and "Preservatives" (to stop fungus). Titan supplies these natural chemicals.

D. Nutraceutical & Cosmetic Brands
* Who they are: Brands selling Protein powders, Joint pain supplements, or Anti-aging creams.
* Why they buy: Titan makes the "Active Ingredient" (like Collagen for skin or Calcium for bones) that goes inside the capsule or cream.

E. Agriculture (Farmers)
* Who they are: This is through their associate Peptech Biosciences. They sell to farmers or fertilizer marketing companies.
* Why they buy: To make crops grow faster using Bio-stimulants instead of harsh chemicals.

2. The Product Portfolio (What do they sell?)
Titan Biotech has a massive catalog (1,000+ products), but they all fall into 4 -

| Microbiology | Culture Media | The "Soil" used in petri dishes to grow bacteria for testing. |

| Biological Ingredients | Peptones & Extracts | The "Protein Shake" for bacteria. Used in industrial fermentation to make drugs. |

| Food Additives | Hydrolyzed Vegetable Protein (HVP) | A natural "MSG replacement." It gives the savory/umami taste to noodles and soups. | Food Companies |

| Nutraceuticals | Collagen & Minerals | Collagen: skin/joints.
Calcium Propionate: To keep bread fresh. | Supplement Brands, Bakeries |

| Specialty (Patented) | OXIBIL® | Ox Bile Extract. Used in liver medicines to help digest fats. | Liver Drug makers |

Visualizing Their Business
To understand their role, imagine a Vaccine Factory:

* The Tank: The factory has a huge steel tank.
* The Seed: They put the virus/bacteria seed in it.
* The Food (Titan's Role): They pour tons of Titan's Peptones/Media into the tank.
* The Result: The bacteria eat Titan's food and multiply. The factory extracts the medicine.
Why this Portfolio is Safe

* Diverse Base: If the Pharma sector slows down, the Food sector (Noodles/Biscuits) keeps buying.

* Recession Proof: Even in a recession, people still get sick (need Lab tests/Medicines) and still eat food. Titan supplies the basics for both… I am holding it for Long term

[Kiran Rajput @_KiranRajput]

Issues @raghav_chadha raises are relevant & focused on the middle class.
Please bring-up judicial reforms, with 54 million cases currently pending in the courts, it is clear that justice delayed is justice denied.
https://t.co/cC5PAYjxJW

[Sumit Gupta (CoinDCX) @smtgpt]

100% agree, @raghav_chadha.

Major economies have expressed intent to make their countries the crypto capital of the world and the leader in digital assets.

Hence, there is a big need for India to regulate virtual digital assets and bring in friendlier policies that encourage innovation and bring investors & founders back to India!

[Raghav Chadha @raghav_chadha]

Legalise Virtual Digital Assets (like Crypto, Stablecoin) in India. Don’t drive them offshore.

India taxes VDAs (virtual digital asset) like they are legal. But regulate it like they are illegal.
India taxes cryptocurrency at 30% Capital Gain Tax + 1% TDS; yet offers no legal recognition, no investor protection, no dedicated AML (anti-money laundering) framework.

The result is:
• 12 crore Indians invest via overseas platforms
• ₹4.8 lakh crore in VDA trading moved offshore
• 73% of India's trading volume shifted to foreign exchanges
• 180 Indian crypto startups relocated abroad

The answer is : compliance in India. Give VDAs clear asset class status in India.
A clear domestic regulatory sandbox, with strong AML guardrails can bring activity back onshore, protect investors, improve compliance and add ₹15,000–20,000 crore in annual tax revenue.

Let us not fear innovation, let us regulate it.
Prohibition is not protection, Regulation is protection.

[Documenting Saylor @saylordocs]

Charlie Munger:

“What caused [my] financial success was not extreme ability. I have a good mind, but I'm way short of a prodigy. And I've had results in life that are prodigious. And that came from tricks. I just learned a few basic tricks.”

“One – I invert all the time.”

[Ronit Pereira @CAronitpereira]

“All the Richest people in the world, the Fortune 500 guys, own only One single company. Warren Buffett is the only exception.

“Whether it is Amazon guy, Facebook guy, or Microsoft guy, they’re all single stock guys.”

- Ramdeo Agarwal. 2017. NDTV profit

[Steve Burns @SJosephBurns]

Warren Buffett gave a 1-hour masterclass on how to never lose money investing in 1998: