Hariharan Jayakumar

CEO of @silomarkets, a rewards brokerage for long-term investors.
Follow for market insights, fintech ideas, and lessons from building the company.

[Hariharan Jayakumar @jhariharan72]

Gamification isn’t the problem in finance.

What we chose to gamify is.

Spend more. Trade more. Check your portfolio more. Take another position.

The app usually benefits when you do more.
But good long-term investing often looks like the opposite:
Buy good assets. Keep adding. Leave them alone.

That tension is why we started Silo.

We’ve raised over $2.5 million to build a brokerage that rewards long-term investors for owning assets, not constantly trading them.

Own the stocks and ETFs you were already planning to own, let them compound, and earn meaningful rewards along the way.

Rewards you can redeem for travel and experiences you actually care about.

I spend most of my time thinking about markets, incentives, investor behavior, and what it takes to build a financial company from scratch.

If those topics are up your alley, consider following along. I’ll be sharing what we learn as we build.

[Hariharan Jayakumar @jhariharan72]

@livewithoscar Curious how RED OMNI handled the whipsaw days this year, those are usually where signal systems earn their keep or fall apart. Does the webinar cover live trade examples or mostly theory?

[Hariharan Jayakumar @jhariharan72]

@Wilmichels good on you for flagging this. most of these schemes follow the same script too, fake regulatory badges, unverifiable addresses, testimonials that can't be traced. worth checking domain age and whois info before anyone sends a dime honestly

[Hariharan Jayakumar @jhariharan72]

@BIT_CAPITAL123 honestly the "transparent" claim only means something if the dashboard shows historical data too, not just live snapshots. can you pull utilization rates from 3 months ago to see how rates behaved during volatility? that's the real test imo

[Hariharan Jayakumar @jhariharan72]

@Green_Traders0 the 90, 91 crash recovering in 182 days despite being almost as deep as 86, 88 is interesting. guessing liberalization reforms right after gave it a stronger tailwind than the earlier one had

[Hariharan Jayakumar @jhariharan72]

@Technicaltheory 20% moves like this always make me wonder how much room is left before it cools off. anyone tracking the volume on this breakout? that usually tells you if its real buying or just short covering pushing it up

[Hariharan Jayakumar @jhariharan72]

HDFC Bank being a "safe" large cap bet for so many years is exactly why this stings for fund managers. When the blue chip stock underperforms, funds overweight on it can't just quietly rotate out without triggering bigger tracking error issues.

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kinda ironic that the stock everyone parked money in for "stability" ended up dragging down returns the most. safety and past performance aren't the same thing, but people conflate them all the time when picking funds.

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[Hariharan Jayakumar @jhariharan72]

@Norine07367107 "Nnidia" and "Amazou" typos are a dead giveaway this isn't some retired Merrill Lynch guy. Real advisors don't drop random price targets on twitter with a link at the end either. Classic pump scheme setup, be careful.

[Hariharan Jayakumar @jhariharan72]

@DrChengdiaoFan web3 gaming tokens have a rough track record honestly, most launch with big ecosystem claims then volume dies within months. what's actually live right now vs still roadmap stuff? genuinely curious how many real users are on it today.

[Hariharan Jayakumar @jhariharan72]

@scott_scof15032 @Daejinxyz yeah settlement is where most of these markets quietly fall apart. you can have a fun question and still get a mess if "resolves yes" depends on someone's judgment call after the fact. rules should read like a contract, not a headline

[Hariharan Jayakumar @jhariharan72]

@holantei @Delta @stockmarket high delta ITM options basically move like the stock itself but you're paying less cash for the same exposure. the OTM lottery ticket crowd forgets theta decay eats them alive even when they're directionally right but too early

[Hariharan Jayakumar @jhariharan72]

@BaccGrey the "bart simpson pattern" thing is funny but honestly half these chart shapes are just pareidolia, people see what they wanna see after the move already happened. curious if anyone's actually backtested it or its just vibes

[Hariharan Jayakumar @jhariharan72]

@ExecuteTheModel Break evens on the right bias always sting more than a straight loss tbh, feels like the market owed you something. At least NQ paid you back on the retest, that's the part worth studying not the ES miss.

[Hariharan Jayakumar @jhariharan72]

@marketsday Dow at 51,828 is wild to type out. feels like just yesterday 30k was the big psychological level everyone obsessed over. wonder how much of this run is real earnings growth vs just multiple expansion at this point.

[Hariharan Jayakumar @jhariharan72]

@MySoctr what's actually driving the move this week, sector rotation or just broad index strength? Nifty charts alone don't tell you if it's 5 stocks doing the heavy lifting or genuine breadth across the board

[Hariharan Jayakumar @jhariharan72]

@moneymurmur honestly the fee thing is underrated even at small numbers. 1% a year sounds tiny but over 30 years that's often 25, 30% of your total gains gone, just for someone to pick stocks that mostly track the index anyway

[Hariharan Jayakumar @jhariharan72]

@jasper_saunders SPIVA data shows something like 85, 90% of active large cap funds underperform the S&P over a 15 year stretch. The few survivors that beat it, you have to ask if it's skill or just luck showing up in a big enough sample.

[Hariharan Jayakumar @jhariharan72]

@AbsurdOnToday the fact that this needed "formal research notes" to justify is kinda funny. brokers see options volume dying on meme stocks and just need a new casino floor. college football has way less liquidity to absorb that kind of money though

[Hariharan Jayakumar @jhariharan72]

@SIMstackinvest tbh I don't think it's just ignorance, a lot of people genuinely can't spare $50 a month after rent and bills. the "just start investing" advice kinda skips over that reality for a big chunk of people

[Hariharan Jayakumar @jhariharan72]

@PrestigeGrimsby Antique flipping has a real learning curve though, knowing what's actually worth buying takes years of getting burned on bad purchases. Curious how long before they started turning consistent profit vs just breaking even on trips.

[Hariharan Jayakumar @jhariharan72]

@StatiSense 16.85% on the 2038 paper vs 16.79% on the new 2036 is barely any premium for locking up money 2 extra years. Feels like the market's betting rates ease off sooner rather than later, otherwise that spread should be wider.