Manny

Free speech advocate—raw takes on life & markets.
Financial literacy | Long-term wealth (No BS shortcuts) |
Golden Retriever dad 🐕

[Maninder Purewal @ManiWealthHQ]

Spent 2 months waiting for EPF eligibility.
Spent 3 hours fighting the EPFO portal/Umang app.
Got a 504 error and a "try after sometime."

Sir, I AM the sometime.
I have been the sometime for 2 months.

Withdrawing your own money in India requires:
✅ Patience
✅ Documents
✅ Aadhaar OTP
✅ Planetary alignment

[Manny @jattitude5]

@ManiWealthHQ @zomato @deepigoyal I bet even the current price post discount is also inflated.

Does this constitute business malpractice? @deepigoyal
@zomatocare

[Manny @jattitude5]

@Singhlicious @Akshat_World We cannot do much from here Gagan, thanks to policy makers.

No options, no margin accounts for US.

[Manny @jattitude5]

@ManiWealthHQ @imAbhishek9596 Some more food for thought.

https://t.co/wudJXjMwzS

[Anurag Singh @anuragsingh_as]

You can fool all people sometimes.
You can fool some people all the time.
You can’t fool all the people all the time.

#SIPs in India are designed horribly wrong with flawed data history.
Nobody in the world does it like this. Just a matter of time before it blows up.

[Maninder Purewal @ManiWealthHQ]

1/ Ever feel like building wealth in India is getting harder?
You're not crazy. It IS.

Recency bias makes us forget policy shifts.

Here is a 25-year timeline of how tax policies have slowly squeezed the Indian retail investor.
A thread 🧵👇

[Maninder Purewal @ManiWealthHQ]

Unpopular personal finance truth:

A Will matters more than your XIRR.

Most people with crores of assets don't have one. I've seen the aftermath. It's painful, prolonged, and entirely preventable.

If you're 30+, here's your Will checklist:

✅ Real estate (with full property details)
✅ Bank accounts & fixed deposits
✅ Demat & trading accounts
✅ Mutual funds & SIPs
✅ PPF / EPF / NPS
✅ Life insurance policies
✅ Gold & jewellery
✅ Vehicles
✅ Crypto & digital assets
✅ Business ownership stakes
✅ Outstanding loans & liabilities
✅ Named executor
✅ Registered copy (optional but smart)

One more thing:
Check your nominations match your Will. A wrong nomination overrides even a valid Will.

Your financial plan is incomplete without this document.

Write the Will. Protect the people you love.

#PersonalFinance #WillPlanning #MoneyMatters
https://t.co/bNSEBAYWCU

[Manny @jattitude5]

@IndiaNewGen No harm having these if they are placed right in your portfolio and serves as debt allocation.

EPF is only one which is not voluntary. see as first investment anyone start with in early years.

Not all got Fin literacy + tax optimization to start early

[Maninder Purewal @ManiWealthHQ]

Big meetings, bigger buzzwords. "Ease of living." "Ease of doing business."

But ground reality? One basic task = multiple govt office visits, unclear process, no accountability. In a world already rattled by Iran war, global instability & rising costs — India needs structural fixes, not more advisories.

The irony — we're not even asking for the world.
Just predictable processes. Clear requirements upfront. Someone accountable at the other end. Basic dignity of a citizen's time being respected.

That's not a luxury. That's the minimum.

Digital India is real progress. But the last mile is still broken. The portal exists — the officer who ignores it also exists.

The policy is announced — the implementation dies three levels below. That gap between declaration and delivery is where India keeps losing.

What's structurally broken is not a mystery — it's visible to anyone who has navigated a tehsil office, a municipal counter, or an RTO in the last year. The frustration is documented.

The diagnosis is easy.

Strong ground action is the only thing left to ask for. Action, not optics.

[Maninder Purewal @ManiWealthHQ]

@connectgurmeet "Fifty percent of something is better than a hundred percent of nothing."
— Han Lue, Tokyo Drift (2006)

Someone should send this to every tax authority that keeps hiking rates until businesses shut down or move offshore.

Tax smart. Not hard.

[Maninder Purewal @ManiWealthHQ]

Work on it, plan to get out of the loop........

End the rat race. We were not born to just do it..

Yesterday I was telling mom that now i no longer work for someone else,

she still said ' salary to ati thi na'.

Our folks have normalized it, like we were born to do it till we last..

[Maninder Purewal @ManiWealthHQ]

1/4 🔥 Heard 'Index Funds are ALWAYS Best'?

In India's dynamic market, that might be the 'Lazy Investor's' biggest LIE, draining your potential Alpha! 🧵

[Manny @jattitude5]

Also we just slipped to 7th position on Stock Market.

After Tiawan its South Korea --> South Korea overtakes India stock market | After Taiwan.

Now suddenly whole media parade is silent about it.

[Maninder Purewal @ManiWealthHQ]

We will hear lot more of these stories...

Dont kill the golden goose..

[Manny @jattitude5]

"हाथी के दाँत खाने के और, दिखाने के और"

[Dr Ranjan @DocRGM_]

A Complete Fake Show.

[Maninder Purewal @ManiWealthHQ]

The heroes we need are not influencers selling dreams.

They're ordinary people living below their means, taking responsibility, and building a better future one decision at a time.

https://t.co/tAnL5UMmXZ

[Manny @jattitude5]

@gurjota Never could imagine that living in NCR is a privilege.

[Maninder Purewal @ManiWealthHQ]

1/ Indians will spend lakhs on a number. 🧵

Not a stock. Not an asset.
A. Number. On a plate.

And I say this as someone who has done exactly that.

[Maninder Purewal @ManiWealthHQ]

🧵Everyone is talking about SIFs now.

A few years ago it was SIPs.
Then came AIFs.
Now SIFs.

But before you rush to invest, ask yourself:
"Is this good for my portfolio, or am I just suffering from New Product FOMO?"

Saw this post from @iRadhikaGupta and decided to dig deeper into SIFs, how they compare with AIFs, and whether most investors actually need them. 👇

https://t.co/rjs8mfw7Mm

[Manny @jattitude5]

Monsoon & Stock market 🤔🤔

[Maninder Purewal @ManiWealthHQ]

Only in India can rainfall become a stock market indicator. 🌧️📊

A weak monsoon can mean:

❌ Lower crop output
❌ Lower rural income
❌ Higher food inflation
❌ Pressure on consumption

A strong monsoon can mean the exact opposite.

Which is why investors track cloud formations almost as closely as quarterly earnings.

The Indian economy is still more connected to the monsoon than many realize.

Reading this: https://t.co/vtvcRHwZGw

[Manny @jattitude5]

At 50th ‘“end of the war” post negotiations.. celebratory dance

[Manny @jattitude5]

Hence many moved to politics as a profession, for their own well being.

[Maninder Purewal @ManiWealthHQ]

Most of us are not eligible for Pension anymore.

But in India, an MP/MLA can qualify for lifelong pension after serving for an extremely short period — in some cases even a single day after oath-taking.

And that’s not all taxpayers fund:

• Pension for life
• Multiple pensions (MP + MLA)
• Free/discounted housing
• Staff & office allowances
• Travel perks
• Security
• Medical benefits
• Subsidized canteens
• Lifetime prestige & influence

Meanwhile, the average salaried Indian:
EMI + tax + inflation + zero guarantees.