Dilip Raju Lillaney

10 percent trader

[Dilip Raju Lillaney @diliplillaney]

Your savings account is making the bank rich. Not you.

Here's the math no one shows you:

₹1,00,000 in a savings account at 3.5% = ₹1,03,500 after 1 year.

If inflation in India ~5.5%.

That means you're losing ₹2,000 in real purchasing power every year.

[Dilip Raju Lillaney @diliplillaney]

You have 12 mutual funds.

You think you're diversified.

You're not.

HDFC Bank is in 9 of them.
Reliance is in 10.
Infosys in 8.

You're paying 12 fund managers to buy the same stocks.

A clean portfolio needs 3-4 funds. That's it.

More funds = more fees. Not more safety.

[Dilip Raju Lillaney @diliplillaney]

https://t.co/tGLulsUPPR

[Dilip Raju Lillaney @diliplillaney]

Ather and Nalco looking good.

[Dilip Raju Lillaney @diliplillaney]

Look at what happened to Lehman and Bear. The world has changed and analysts should wake up to it as the IT industry of the future will be very different from the past in my opinion.

[Dilip Raju Lillaney @diliplillaney]

If a stock/sector has comeback in the past it does not mean that it will again. Same thing happened with financial stocks in 2008 with all the investment banks hitting 10 year P/E lows and analysts recommending a buy as they would surely rebound, wouldn't they?

[Dilip Raju Lillaney @diliplillaney]

The market discounts the future. TCS, HCL, Infy and the IT pack is being slammed as there is no clarity on future earnings. Better to invest in IT ETF if bullish on the sector which will automatically have the winners over time.

DISCLAIMER : Not a RIA, personal views.

[Dilip Raju Lillaney @diliplillaney]

3 undervalued stocks that I am collecting/watching.
1. PFC
2. Bank of Maharashtra
3. Nalco

[Dilip Raju Lillaney @diliplillaney]

The markets seem to be improving especially the power, metals and pharma stocks which seem to be leading the move. What are your thoughts / observations?

[Dilip Raju Lillaney @diliplillaney]

5 power stocks hit 52 week highs today. do you own any?

1. Godawari Power
2. Tata Power
3. Power Finance
4. Adani Power
5. ABB Power

[Dilip Raju Lillaney @diliplillaney]

Interesting to see that Power(Transmission) & Financial Services(Exchanges) related stocks hit new highs today which was earlier dominated by Pharma during the war.

[Dilip Raju Lillaney @diliplillaney]

Your mutual fund nominee is NOT automatically the legal heir.

They are a custodian — they hold the money until the legal heirs claim it.

Without a nomination, your family has to go through a long legal process after you.

It takes 5 minutes to update your nominee.

[Dilip Raju Lillaney @diliplillaney]

Don't let the number fool you. Focus on the fund, not the price tag. If you're a mutual fund investor, save this. 📌 #MutualFunds #InvestingInIndia #PersonalFinance #NISM

[Dilip Raju Lillaney @diliplillaney]

NAV is just the current price of one unit — like a stock price. It tells you nothing about whether the fund is cheap or expensive.

[Dilip Raju Lillaney @diliplillaney]

What actually matters: → The quality of the underlying portfolio → The fund manager's track record → Expense ratio → How the fund matches your risk profile A ₹12 NAV fund and a ₹120 NAV fund can give you identical returns if they hold the same stocks.

[Dilip Raju Lillaney @diliplillaney]

Redeeming your mutual fund early?

Check the exit load first.

Most equity funds charge 1% if you redeem within 1 year.

On ₹5 lakhs, that's ₹5,000 gone — just for exiting too soon.

The exit load is designed to discourage short-term behavior in long-term instruments.

[Dilip Raju Lillaney @diliplillaney]

https://t.co/LRhWxRYTUA

[Dilip Raju Lillaney @diliplillaney]

Markets are bleeding today 🔴

Sensex down. Nifty down. Most stocks in the red.
But pharma? Quietly holding strong 💊

Here's why (and William O'Neil explained this years ago):
→ Pharma is "defensive" — people buy medicines in good times AND bad

[Dilip Raju Lillaney @diliplillaney]

→ Strong sectors during a fall = where smart money is moving → Relative Strength is the clue smart investors watch
Next market crash? Don't just see what's falling. Watch what's NOT. That's the signal. 👀