Bharat Reddy

Passionate about real estate investments, personal finance, fintech and disruptive proptech |

[Dr. Rajeshwari Iyer @RajeshwariRW]

In India,

Who owns the most schools and universities? Politicians.

Who owns the most hospitals? Politicians.

When the majority of schools and hospitals belong to politicians would they ever want government schools and hospitals to succeed?

If all government schools start providing excellent education, where will all these private institutions go?

Think about it.

[Jay Yang @Jayyanginspires]

This quote from Steve Jobs lives rent free in my head...

"People who are genuinely great at something don't compete. They don't care about being compared to others because they're so deep in their own lane that comparison would be a waste of time. They just do their thing."

[AD @AndreD1383421]

@Rainmaker1973 "Get an actual job doing what you love"
"and make a living by being yourself"
This is why we have 11+ million graduates unable to repay their student loans.
"Get a job that you are good at and can make a living for you." Fixed it for you.

[Vidya @VidyaG88]

Most parents will heap praises over that child who is well settled abroad & rarely meets them but never be grateful for the one who is actually taking care of their needs here - be it emotional , material or monetary.

It is frustrating to the core.

[Sridhar Vembu @svembu]

Indians have made a major contribution to America's technological prowess. Yet, a big part of America no longer wants us.

Indians who are on a visa in the US face the painful prospect of uprooting the life you have built with hard work.

Let this be the birth pains of a bold new future.

Come back, let's build India 🙏

[Prabhakar Kudva @prabhakarkudva]

Some of us are wondering why only a section of the market is outperforming and should we pay high valuations for growth in this segment?

For those not comfortable with valuation the problem is that most value stocks are becoming deeper value. Is this something new? Is the market broken?

My experience over the years has been this:

1.⁠ ⁠Growth has always outperformed across all cycles. nothing new is happening. Capital is chasing growth as it always does.

2.⁠ ⁠⁠High growth is ALWAYS accompanied with high valuations. But it is also punished in the same proportion when growth decelerates. So one needs a certain skillset and understanding to play this dynamic.

3.⁠ ⁠⁠Value stocks are not an opportunity just because they are cheap - they also need some sort of growth acceleration to begin to outperform. Till that happens they remain value except for mean reversion bounces from extremely oversold price levels.

4.⁠ What many new investors don't' get - Blindly ⁠chasing value (as a virtue) is as hazardous as blindly chasing growth. Value is not "safer" by any means - as is well evident now.

You can choose between high growth at high valuations, value with low growth or average growth with average valuations. Or you can have a mix of them in the portfolio as long as you are clear what is what.

Playing each style is a different skill, has their own nuances, pros/cons, psychology and needs you to stick to it across their ups and downs.

[Muthukrishnan Dhandapani @dmuthuk]

"When an individual adopts a political, economic, or social ideology as a core component of their identity, their cognitive machinery gets locked into defending the tribe.

Any piece of evidence that contradicts the group narrative is treated not as a data point to be analyzed, but as an existential attack on their self worth.

If you want to maintain a high level of mental clarity, you must actively refuse to let your political or social opinions become your identity."

- Charlie Munger

[Simply Padmaja @Padmaja_Yatra]

One my friends sent this beautiful post explaining Karma. I thought it’s worth sharing 😊

[Rohan Das @rohaninvestor]

₹1 CRORE can lose almost 75% of its purchasing power in 20 years.

₹1 crore today becomes equivalent to approximately:

→ ₹50.8 lakh after 10 years
→ ₹36.2 lakh after 15 years
→ ₹25.8 lakh after 20 years

You may still see ₹1 crore in your bank account.

But what that money can BUY could be almost 75% lower after 20 years.

But if your wealth isn't growing faster than inflation over the long term, you may actually be getting poorer in real terms.

[Crish Bhatia 🇮🇳 @bhatiacrish___]

Finance influencers be like

Ghar mat kharido

Car mat kharido

Phone mat kharido

Paisa save aur invest karo aur 70 saal baad tumhare pass 100 crore honge.

Bhai 70 saal ki age main us paise ka main kya karunga ?

Aj ghar lenge toh 70 ki age main us ghar main hamari families ki memories rahegi.

Aj car lenge toh 70 ki age main us car ki woh family trips aur dosto ke saath long drives yaad aegi.

Aj Phone lenge tabhi toh aj ki memories ko ek acche camera phone se click karenge.

Aur humko kya pata hum 70 ki age tak rahenge ki bhi nahi.

[Amit Dahal @AmitDahal]

Don't think about the nation. Just make as much money as you can, buy luxury items and stay happy and if possible leave the country. All top people do this. Politicians, Govt Officials and Businessmen.

Don't take too much pressure.

[Muthukrishnan Dhandapani @dmuthuk]

Rakesh Jhunjhunwala predicted Nifty at 1,25,000 in 2030.

2026 is almost over, and Nifty is still around 23,400.

Is this criticism of Rakesh Jhunjhunwala?

Definitely not.

Most of us cannot achieve even a fraction of what he achieved.

No one knows the future. Absolutely no one.

Even the ace investor of the country could not get it right.

Have a plan. Keep revising it as conditions change.

Reality does not follow our forecasts; we have to follow reality.

[Reads with Ravi @readswithravi]

There’s an old Chinese proverb that I love:

“If you are patient in one moment of anger, you will avoid one hundred days of sorrow.”

[Balu Gorade @BaluGorade]

My cake wala increased cake price from 300 to 370.

Chaiwala increased chai from 6 to 10.

Presswala increased per dress price from 20 to 30.

Tandoori roti price increased from 15 to 20.

Boot polish increased from 20 to 30.

Everyone seems to have taken a price hike.

[Rafeeq Ahamad 🇮🇳 @Rafeeqsmission]

Absolutely true. ❤️

Money can open doors, but integrity keeps them open.

When your words remain trustworthy even when no one is watching, people remember you, respect you, and choose to walk with you.

Reputation takes years to build, but integrity builds it one honest choice at a time.

[Muthukrishnan Dhandapani @dmuthuk]

Peter Lynch learned about the stock market because his father died and the family needed money.

His father taught mathematics and later worked as an auditor. When Peter was seven, his father got cancer. When Peter was ten, he died.

The paycheck stopped. His mother took a job. Peter took one too. He carried golf bags at Brae Burn Country Club outside Boston.

The work paid him. It also taught him. The men he caddied for hardly talked about golf. They talked about stocks. They named companies, prices, why one business looked cheap and another looked weak. A boy walking the course heard Wall Street before he ever saw it.

He saved what he earned. At nineteen he bought shares in Flying Tiger Airlines. Air cargo was in demand during the Vietnam War, and the stock went up. The profit helped pay for graduate school.

That was the moment that stayed with him. Even a regular kid, earning money the hard way, can create wealth through stocks.

That is the point of his story. You do not need a famous name or a head start. You need to pay attention, save a little, and buy a piece of a business you understand.

Lynch later told people the same thing at Fidelity. Look at the shop you walk through. Look at the brand you use at home. Look at the name your children already know.

Wealth is not reserved for the men on the golf course. A kid carrying their bags can learn to build it too.

[diva @divaagurlxw]

Elon Musk: College won’t make you rich. Curiosity and technology will.

Naval Ravikant: Turn yourself into a product. If it feels like play, you’ll outwork everyone.

MrBeast: Live broke, build big. Reinvest. Money is fuel, not flex.

Warren Buffet: Get so good they can’t ignore you. Your skills are your fortess.

Michael Jordan: Fail loudly. Miss more shots. That’s how you win.

Taylor Swift: The dumb ideas are what lead to the genius ones. Try more.

Mark Cuban: Read like a maniac. Knowledge compounds faster than money.

Jeff Bezos: Obsess over the customer, not the competition.

Charlie Munger: No one’s handing you the map. Build your own route.

Peter Thiel: Stop stacking resumes. Start stacking value.

[alexei @alexeixbt]

life becomes effortless once you understand neuroplasticity.

[Justin Welsh @thejustinwelsh]

The biggest flex on earth is choosing a smaller, slower life and still getting wealthy.

[Muthukrishnan Dhandapani @dmuthuk]

A few years ago, I saw the Tamil film Vinodhaya Sitham on OTT.

If you liked Anbe Sivam and Meiyazhagan, you would most likely enjoy this film too.

It is directed by Samuthirakani.

Samuthirakani and Thambi Ramaiah play the two main roles, much as Kamal Haasan and Madhavan did in Anbe Sivam, and Arvind Swamy and Karthi in Meiyazhagan.

The essence of the film:

Ego makes us believe the world cannot run without us.

It can.

Work goes on. People choose their own lives. Time does not wait for our control. We are not the hinge everything turns on, and once we accept that, we can live more lightly with the time we actually have.

The film does not say one should become a saint.

Life is meant to be lived with all its joys and sorrows.

It is more nuanced.

Stop confusing control with care. Stop mistaking your anxiety for necessity. Live the days you have as if they were already borrowed, because they are.