i bet very few of you mfs know the feeling of walking peacefully and a cricket tennis ball smacking you in the face out of nowhere, followed by 11 kids yelling “bhaiya ball dedo”
you've seen a compounding table a hundred times. but have you ever sat with it for like 10 mins and asked what it actually means for your rent, health cover, SIPs? i definitely hadn't. @amuldotexe got us to do that in his finance simulation session yesterday. tl;dr:
- mutual funds are the most tax efficient way to trade stocks. when a fund sells 10 stocks and buys 10 new ones, you pay zero tax on that churn. do it yourself and you pay STCG/LTCG every time. so never book profits, pull out only what you need when you need it
- same reason to skip smallcases. they're basically mini mutual funds without the tax benefit. weekly churn means a chunk of that 'alpha' goes to taxes. a boring fund doing 15% leaves you with similar money and way less BP
- nifty gives ~12-15% over long periods. chase more and you're in single stocks, F&O, intraday. you'll probably lose money and you'll definitely lose sleep. stay around FD + 4-5%
- his hypothesis on why nifty beats inflation at all: the top 50 companies need to earn more than an FD on their capital, otherwise they'd just park it in an FD. so you get roughly FD + 3-4% by default
- we project everything in straight lines and 5-10 yrs out that's almost always wrong. inflation isn't a flat 7%, it swings every year. phones got cheaper while a 3bhk in blr went from 20k to 80k rent in 12 yrs (~12% a year)
- your health cover has to keep up with medical inflation, not the 7% headline. if hospital bills grow ~14% a year they double every ~5 yrs, so a 10L cover today is closer to 5L in 2031. premiums climb too, and no cover means you eat that whole curve yourself
- health compounds too. muscle, stamina, sleep. you can't fix 2 months of bad sleep with one 24hr sleep, you fix it with an extra hour a night for months
really interesting findings overall for me personally
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i would disagree a bit. the models arent the problem, most of us just dont have the storytelling frameworks to direct them with. people who grew up reading/writing a lot have them baked in, rest of us dont
i recently attended of the workshop by @techinmartin. his whole insight was about intent and how you bring it in. he wasnt prompting better, he had better frameworks for angles and structure that he was feeding the model
found this thing called Deck of Brilliance thru that, people use it for pulling different angles out of one story. made finding new ideas way fucking easier for me. its stuff like that, not the model
finally out of month-end hell
best month we’ve ever had. all our clients had a generational run
we took the most competitive keyword in a client’s category and replaced one of the oldest, highest-ranking reddit threads on it with ours. learned some crazy stuff doing it
114 first page google rankings this month. and that’s without forcing “reddit” onto the end of the search. these are the plain keywords people actually type. the cluster around that one keyword pulls tens of thousands of searches a month, and a third of our rankings are #1
then it turns into a loop. someone googles the keyword, lands on our thread, sees real people recommending the brand, then goes and searches the brand name. i can literally watch branded searches climb in the client’s GSC the week we replace a thread
google sees more people searching for the brand and trusts it more, so the brand ranks better, which puts more people on the threads, who go search the brand again
two months in and it hasn’t slowed down
finally out of month-end hell
best month we’ve ever had. all our clients had a generational run
we took the most competitive keyword in a client’s category and replaced one of the oldest, highest-ranking reddit threads on it with ours. learned some crazy stuff doing it
114 first page google rankings this month. and that’s without forcing “reddit” onto the end of the search. these are the plain keywords people actually type. the cluster around that one keyword pulls tens of thousands of searches a month, and a third of our rankings are #1
then it turns into a loop. someone googles the keyword, lands on our thread, sees real people recommending the brand, then goes and searches the brand name. i can literally watch branded searches climb in the client’s GSC the week we replace a thread
google sees more people searching for the brand and trusts it more, so the brand ranks better, which puts more people on the threads, who go search the brand again
two months in and it hasn’t slowed down