Anshul Goel

CFP® | Views expressed are mine alone & don't necessarily reflect views of my employer | Retweets are NOT Endorsements

[Anshul Goel @anshul4ever]

Happy to share that I got covered by @livemint on "How to write a will".
Link to the article: https://t.co/lNBg4Ej8Wt

Writing 'will' early-on is important. Please note that nominee is just a caretaker, not the owner of assets in most cases.
@ActusDei @apri_sharma @dmuthuk

[Neil Borate @ActusDei]

Quick guide to Will writing:
1) Mention all assets
2) Signature + 2 witnesses
3) Witnesses should outlive you
4) Appoint an executor
5) Registration not compulsory, but helps
6) Can use it to fund HUF (save tax).
Story by @apri_sharma https://t.co/kv3sOOv75u

[Anshul Goel @anshul4ever]

Only 0.8% of the world's population are #millionaires. 🌍💰

Remove the United States, and that falls to roughly 0.5%.

Remove the developed world, and you're left with only ~0.1% of the world's population.

Let that sink in.

In much of the developing world, becoming a millionaire is exceptionally rare.

We often celebrate wealth, but underestimate what it takes to build it:

• Years of learning 📚
• Financial discipline 💡
• Sacrifice 🤝
• Intelligent risk-taking 🎯
• The power of #compounding ⏳

Making money is one of the hardest things in the world.

So if you're on that journey, respect the process.

Stay invested. Stay patient. Keep building.

Source: World Population Review

📌 Follow @anshul4ever CFP® to learn personal finance the simple way.

#PersonalFinance #WealthCreation #Millionaires #Investing #Compounding #FinancialFreedom #Money #India #LongTermInvesting

[Anshul Goel @anshul4ever]

Finding #multibaggers is only half the game.

The other half is position #sizing.

I bought a high quality #NBFC #stock dirt cheap during the COVID panic. Today, it's a 5x winner.

My biggest investing #learning:
When your conviction is high, allocate meaningfully. Your best ideas should be large enough to move your #portfolio.

Position sizing is where real wealth is built.

[Anshul Goel @anshul4ever]

Just read that the #Southkorean President, Lee Jae Myung, was a day trader once. He approved 2X leverage in a single #ETF!
No wonder they are where they are today.

[Anshul Goel @anshul4ever]

#Gold is now struggling at $4,000!

As I said earlier, rarely I have seen these predictions come true.

Most people including institutions tend to extrapolate the outcome with recevcy bias.

Be sensible while investing.

Be fearful when others are greedy, and be greedy when others are fearful.

#investing #markets #gold

[Anshul Goel @anshul4ever]

#Gold to be $6,600 by 2026.

Tempted to #invest?

That’s exactly what most people are feeling right now.

A lot of #investment houses have suddenly come out with predictions of gold rising up by 30%–40% over the next year or so.

Before getting swayed by such predictions, ask one simple question: What were these same people predicting one year ago? You will find probably nothing 😊

Because, most of these forecasts tend to appear in abundance after such sharp rally for any asset class. This time is no different. 😊

Remember, the current price of gold is not a result of #fundamentals.

It is born out of uncertainty. An uncertainty with many actors involved, but only one lead actor.

And no one knows what happens next.

That’s why most investors make the same mistake every cycle.

They invest because something has already run up.
Or because it looks like it will continue its run up.
That is not #investing. It's speculating.

If you want to invest in gold, do it #systematically.
Do it only if you believe gold deserves a place in your #portfolio.

Not because it has gone up.
Not because predictions sound convincing.
Either you follow a process.
Or you follow noise.

It can’t be both.

^As per estimates from Jefferies

#Gold #Invesing #PersonalFinance #Investment #BehaviorFinance #MoneyMindset

[Anshul Goel @anshul4ever]

If only you could understand the difference between a secured and an unsecured loan!
So much ignorance for a finfluencer.

[Fundamental Investor ™ 🇮🇳 @FI_InvestIndia]

Interest Rates for Loans in India !!!

Home Loan: 7.35% – 9.50%
Car Loan: 7.45% – 9.85%
Education Loan: 8.10% – 13.50%

Priorities !!! 🥹

#FI

[Anshul Goel @anshul4ever]

Leverage kills.
Pray for the retail investors of #SouthKorea .

- Never leverage to invest.
- Don't use market as a place to earn money. Traders neither survive nor its is fun sitting in front of a screen the entire life.
- Earn money from your profession and then use market as a medium to generate alpha over other asset classes.

Respect the market and its rules to stay in for the long term.

#kospi

[Anshul Goel @anshul4ever]

320,000 retail investor accounts gone in a blip!!!

That's what happens when leverage meets panic.

The South Korean stock market (#KOSPI) has fallen nearly 40% from its peak, wiping out over $1.5 trillion in market value.

But this wasn't just a market correction.

It became a forced liquidation spiral.

Here's what happened:

📉 The Trap:
Thousands of investors used 2x leveraged products to amplify their bets on technology stocks like #Samsung.

⚠️ The Weak Spot:
50% of index was concentrated in two tech stocks. When global tech sentiment turned negative, the entire market came under pressure.

🔄 The Domino Effect:
Falling prices triggered margin calls.

Many investors couldn't bring in additional funds.

Brokerages started selling their holdings automatically.

That selling pushed prices down even further... triggering more margin calls... and even more forced selling.

A vicious cycle.

The result?

More than 320,000 retail #investor accounts were reportedly wiped out, forcing regulators to step in and ban these leveraged products.

The takeaway?

Leverage is a double-edged sword.

It can amplify returns in a rising market.

But when markets reverse, it can wipe out years of wealth creation in a matter of days.

As investors, surviving the market is often more important than chasing extraordinary returns.

Do you think this is an isolated event, or could it be an early warning sign for global markets?

I'd love to hear your thoughts in the comments. 👇

#Investing #StockMarket #PersonalFinance #RiskManagement #WealthCreation

📌 Follow @anshul4ever Anshul Goel, CFP® to learn personal finance the simple way.

[Anshul Goel @anshul4ever]

Investors who invests basis #FOMO , lose the most.
Some recent FOMOs where people have lost tons of money are:-
1. #Gold down by ~25%
2. #Silver down by ~40%
3. #Kospi down by ~39%
4. #spacex down by ~50%

And the problem is most retailers jump in when the rally is already done.

[Anshul Goel @anshul4ever]

🚨 A few months ago, everyone was talking about KOSPI.

"It's going up every day."
"Don't miss this opportunity."
"This is just the beginning."

FOMO was everywhere.

Many investors jumped in simply because everyone else was.

Today?

KOSPI has corrected from around 9,300 to nearly 5,663.

That's a ~39% fall from its recent peak.

And that's exactly how markets work.

What goes up rapidly can come down just as fast.

This isn't about KOSPI.

Yesterday it was Gold.
Then Silver.
Then KOSPI.

Tomorrow, there will be another "can't miss" investment.

The market will always have a new story.

Your job isn't to chase every story.

Your job is to build wealth.

Here's what I've learnt over the years:

✅ Don't invest because everyone is talking about it.
✅ Don't mistake momentum for a good investment.
✅ Don't let FOMO dictate your financial decisions.
✅ Zoom out before you zoom in.

The investors who consistently create wealth aren't the ones chasing the hottest trend.

They're the ones who stay disciplined, invest consistently, and give compounding enough time to work.

Ignore the noise.
Avoid FOMO.
Stay invested.

Because wealth is created by being consistent, not by chasing whatever is trending today.

What's the biggest investment FOMO you've seen recently—Gold, Silver, KOSPI, or something else?

~ Follow @anshul4ever, CFP® to learn personal finance the simple way.

#Investing #PersonalFinance #LongTermInvesting #WealthCreation #StockMarket #BehaviouralFinance #FinancialPlanning #InvestSmart #Kospi #Gold #Silver

[Anshul Goel @anshul4ever]

Cost of missing the ITR deadline is not just a ₹5,000 penalty, it goes beyond this!

It isn't the penalty alone.

In fact, for many investors, the biggest loss has nothing to do with the penalty.

Here's what you could lose if you don't file your ITR on time:

• 📉 Capital losses cannot be carried forward (from shares, mutual funds, property, etc.). That could mean paying much higher taxes on future gains.

• 💸 Refunds get delayed. If excess TDS has been deducted, your money stays with the government until your return is processed.

• ⏳ Interest may apply on any unpaid tax, increasing your tax outgo.

• 📋 Late filing fees may also apply, depending on your income and circumstances.

The penalty is visible.

The lost tax-saving opportunities aren't.

If you've had capital losses this year, filing before the due date becomes even more important.

Don't wait for the last day or an expected extension. File early, review carefully, and keep your future tax savings intact.

Have you filed your ITR yet?

#personalfinance #investing #CFP #finance #Tax #ITR #STCG #LTCG

[Anshul Goel @anshul4ever]

A friend almost paid ₹69,000 more in tax... because he didn't know one section of the Income Tax Act.

He called me with what seemed like a straightforward tax filing.

His wife had gone on maternity leave.

Her employer had paid several months' salary in advance.

That one decision pushed her into a higher tax slab for the year.

His reaction was simple:

"Looks like we'll just have to pay the additional tax."

I asked him one question.

"Have you checked Section 89?"

He hadn't.

To be fair, it's not a provision most salaried taxpayers come across unless they receive salary in arrears or salary in advance.

So we started digging.

✅ Got the month-wise salary breakup from HR.

✅ Allocated the salary to the correct financial years.

✅ Recomputed the tax under different scenarios.

✅ Understood Form 10E.

✅ Verified every calculation before filing.

The result?

💰 Relief under Section 89: ~₹69,000

Instead of paying around ₹40,000 as additional tax (after considering other taxable income like FD interest and capital gains), they're now expecting a refund of around ₹30,000.

That's a swing of nearly ₹69,000—not because of a loophole, but because of a provision that has existed in the Income Tax Act for years.

Here's why I'm sharing this.

Most people think tax planning is about finding deductions.

In my experience, it's often about knowing the provisions that already exist.

If you (or someone you know) has received:

• Salary in arrears
• Salary in advance
• Bonus relating to earlier years
• Any one-time salary adjustment

Don't assume that the TDS deducted by your employer is your final tax liability.
One overlooked provision can change the outcome dramatically.
This is exactly why I enjoy personal finance.
Sometimes, the biggest value isn't choosing the right investment.

It's simply asking the right question.

How many salaried professionals do you think have never heard of Section 89?

👇 Let me know in the comments.

#IncomeTax #Section89 #TaxPlanning #PersonalFinance #FinancialPlanning #ITR #TaxSaving #Finance

[Anshul Goel @anshul4ever]

Happy 53rd birthday, @sachin_rt.!!

We love you. We love you not only for the tonnes of runs or the centuries you scored, but for
1. Making us believe in ourselves, no matter how lonely the journey is. You stood there like a lone warrior for more than a decade. You never gave up.
2. Telling us the value of hardwork. You showed, talent is one thing, but going out in the middle day in day out for 24 years is another. Longevity, the lesson we all learnt.
3. Staying firmly on the ground when you were flying. You taught us how to remain humble even when a billion people put you in their temples.
4. Teaching us the value of Values. You never endorsed things you thought would do more harm than good, to the society.
5. Schooling us on how to behave especially with your opponents. You are, perhaps, the most loved cricketer ever. You transcend boundaries. I am sure, someone from the beyond love you as well..!!
6. Practising your way to the greatness. From putting leg spinners at work much before the great Warne arrived in '98 to turning up for every practise session on time till your very last match, you practised, practised hard.
7. Grinding hard to come out of your lean patches. It was the best lesson on how to overcome your failures.
8. Ending up with more '<50' innings, for teaching us that it's the failures that defy demons and define greatness.
9. All the countless memories you have given us. There were times when we had nothing to look forward to, on an ordinary day, but it was you who made our day. Who made us smile. You were the happiness of an average Indian.
10. Everything, ever said or not said about you.

And above all, ThankYou for making us fall in love with you, over and over again.

At times, more than our families. A good part of ours was always either looking up to you or was looking for you. Everytime, you missed the ball, we skipped our hearbeat too.

You became a part of us. You were our FamilyMan. You were our true love. You were our emotion. And as @bhogleharsha said, you became a habit.

And you deserved it. Every bit of it..!!

This below image is the testimony of how much we have loved you.

We (still) miss you, #Sachin. Love.

Your long standing admirer.
~ Anshul

PS: This pic was taken by me a month back. Location: A building, just before the start of Bandra Worli Sea Link in #Mumbai

[Anshul Goel @anshul4ever]

@Manu_Sisti Claude

[Anshul Goel @anshul4ever]

@Xking332 @grok is this true?

[Anshul Goel @anshul4ever]

@shanaka86 @grok is this true?

[Anshul Goel @anshul4ever]

I have two #T20WorldCup2026 final #tickets, won't be able to go hence selling.
Physical tickets are up for pickup from Mumbai.
WhatsApp me at 9967730865.
#WC #INDvsNZL #WorldCup2026 #Tickets #wcfinal

[Anshul Goel @anshul4ever]

I have two #T20WorldCup2026 final #tickets, won't be able to go hence selling.
Physical tickets are up for pickup from Mumbai.
WhatsApp me at 9967730865.