Roshni Nayak

SEBI RIA, Regn No - INA000016038, Founder of GoalBridge, Financial Adviser, Coach, Speaker, Blogger. Making a difference in financial lives.

[MoneyTalkWithL @LarissaFernand]

Robin Uthapa’s LinkedIn post has gone viral. Some great insights here.

[Roshni Nayak @GoalBridge]

@LarissaFernand Very true Larissa

[Roshni Nayak @GoalBridge]

I have to tell my clients to avoid messaging me beyond 8 pm. Many take the liberty to msg at 11 or mid-night! Cognitive laziness has crept in post covid. Esp Indians do not have a work ethic. Cannot wait until next day or drop a mail, but directly violate your privacy via WA.

[Roshni Nayak @GoalBridge]

@BobBurg @JohnDavidMann Thanks Bob for sharing your thoughts with the world in the form of this amazing book. Life changing principles, indeed.

[Roshni Nayak @GoalBridge]

Finished this short book Go-Giver, gifted by a Client. Amazing parable elucidating the principles of contribution & attracting abundance! Highly recommended, especially for individuals with their own business or planning to start up or having the mindset to serve the society.

[Pankaj Tibrewal @pankajtibre]

One interesting observation from the recent market recovery…

Over the last 3 months:
• Nifty 50: +7.6%
• Nifty Midcap 150: +17.4%
• Nifty Smallcap 250: +24.2%

Even over the last 1 year, midcaps (+4.4%) and smallcaps (+0.3%) have outperformed large caps (-5.1%).

But here’s where it gets interesting…

Despite the indices being positive over the last year, the median stock is still down 2.4% in the Midcap 150 and 5.8% in the Smallcap 250. Even more telling, only 44% of stocks in both indices have delivered positive returns over the last one year.

In other words, the rally hasn’t been as broad-based as the index levels suggest. A relatively small group of strong performers continues to do much of the heavy lifting in last one year.

However the picture is beginning to improve, though. In the last 3months, nearly 77% of midcaps and 83% of smallcaps have turned positive, suggesting that market breadth is finally broadening.

Another fascinating statistic is the dispersion of returns.

The gap between the best and worst performer over the last year is:
• Nifty 50: 88%
• Midcap 150: 156%
• Smallcap 250: 308%

Even in the so-called “safer” large-cap universe, the spread between winners and losers is remarkably wide.

Looking only at index returns can be misleading. Breadth tells you how many stocks are participating, while dispersion tells you how rewarding stock selection has been. It’s been a classic stock picker’s market.

Data as on 30th June 2026.

#IndianMarkets
#StockMarket
#Nifty
#Midcaps
#SmallCaps
#MarketBreadth
#Investing
#EquityMarkets
#ActiveInvesting

[Roshni Nayak @GoalBridge]

Closing loan vs Investing in mutual funds and service EMI via Systematic Withdrawal Plan (SWP). Does the math work out in reality compared to an excel sheet. Check out in my latest column published in @ET_Wealth

(SEBI RIA No - INA000016038)

[Roshni Nayak @GoalBridge]

@SanketD_ET @ET_Wealth Nicely covered Sanket, Myth 4 is a common & dangerous one I have come across.

[Vijay Shekhar Sharma @vijayshekhar]

World Number 1 from India !
Congratulations Srishti Kiran ���🏼👏🏼👏🏼

[Roshni Nayak @GoalBridge]

@kayezad @ET_Wealth @sruthijith This is quite insighful! Great work ET Wealth team.

[Mark Manson @Markmanson]

Everything that matters most in life will sometimes bore you.

Your marriage will bore you.
Your career will bore you.
Your kids will bore you.

But boredom isn’t a sign that you chose wrong. It’s a signal that you have chosen to make something more important than your own momentary pleasure. It’s the hidden fee that comes with purpose and meaning.

[Roshni Nayak @GoalBridge]

@b50 @titanwatches The web series is well made, a compelling story worth sharing. I thought you would rather ask who has bought Titan shares after watching the web series:)

[Harsh Goenka @hvgoenka]

A week ago, she couldn't afford her hotel room. A sports drink company were kind enough to pay her hotel bill.
Today, Maja Chwalińska is playing the French Open final.
Ranked 114 in the world, she had to qualify just to enter the tournament.
Nine wins later, she has earned more prize money than in her entire life career, with a minimum of $1.6 million.
A reminder that sometimes life can change in just one week.

[Radhika Gupta @iRadhikaGupta]

Pessimism gets headlines. Optimism makes money.

[Amit Kumar Gupta @amitgupta0310]

India’s underperformance is far more structural and fundamental than these micro and cyclical issues which most people keep pointing towards. That's why it pays to be realistic on India's stock market prospects. You stay grounded and can make money in all phases of markets. Only stubborn bulls and bears get so much caught up in their views about India that they forget first rule of stock market - economy is not stock markets!

[Roshni Nayak @GoalBridge]

@amitgupta0310 Very timely and sensible post. Economy is not stock markets!

[Roshni Nayak @GoalBridge]

With markets falling, there are smart investors who wish to invest in a company just bcoz its stock price is falling. And then keep on averaging. It is imperative to remember that not everything that falls is a cheap buy!

[Roshni Nayak @GoalBridge]

In personal finance, the biggest leaks come from social obligations dressed up as financial decisions. A mediocre, expensive product bought from relative/friend lingers in the portfolio, because exiting it feels awkward. The costliest words investors struggle to say is 'NO'.

[Roshni Nayak @GoalBridge]

Glad to be invited by @Network18Group to be part of investor awareness campaign in collaboration with AMFI. Here is the you tube link of the brief video on goal based planning. This video byte is also presently running on @CNBCTV18News & @CNNnews18
https://t.co/1AdBbMMgus

[Roshni Nayak @GoalBridge]

@readswithravi Fooled by Randomness - Nassim Taleb