Yerbol Karshyga

Founder @QInvesting.ai Building tools that make investing clearer. Solopreneur. MSc Financial Technology. Investing for more than 10 years.

[Yerbol Karshyga @karshigaerbol]

See what the AI would build for your savings. It's free: https://t.co/N2wW6jlOi0
The first 100 on the waitlist also get a free AI portfolio review and a 1:1 call with Yerbol.

Not investment advice.

[Yerbol Karshyga @karshigaerbol]

People say Buffett's giant cash pile means a crash is coming. Berkshire's own 10-Q tells a plainer story. 🧵

[Yerbol Karshyga @karshigaerbol]

The 10-Q never says crash, downturn or recession. It calls financial strength and redundant liquidity paramount. No buybacks that would cut cash, equivalents and T-bills below $30B.

[Yerbol Karshyga @karshigaerbol]

@sochanahinkabhi @SureshKBN Not a sell or hold call, but one question helps before any move: how much of this money do you need in the next few years, and how big a drop can you sit through? That decides the mix more than the last two months. Not investment advice.

[Yerbol Karshyga @karshigaerbol]

@lachimolalaaaaa 30 second version: it's not an investment, it's a type of account. You put money in, invest it inside, and the growth isn't taxed later. And 32 is not late at all. Not investment advice.

[Yerbol Karshyga @karshigaerbol]

@Slaymaker222 @darrelltalksfi @grok Fair worry. Simple filter: anyone promising returns or rushing you is out. Your money should sit in your own name at a regulated broker, and any plan should be something you can read and check yourself. Not investment advice.

[Yerbol Karshyga @karshigaerbol]

See what the AI would build for your savings. It's free: https://t.co/hbIJuVZZjq
The first 100 on the waitlist also get a free AI portfolio review and a 1:1 call with Yerbol.

Our model portfolio includes Apple, Nvidia and ExxonMobil. Not investment advice.

[Yerbol Karshyga @karshigaerbol]

In 2022, Isaac watched his crypto lose most of its value. Here's what the AI built when he set a $500 line first. 🧵

[Yerbol Karshyga @karshigaerbol]

If big US stocks fell 35%, the plan estimates about -$488, under his $500 line. The trade-off: mostly safe things, grows slowly.

[Yerbol Karshyga @karshigaerbol]

Model portfolio formed 1 Oct 2024 and rebalanced 1 Oct 2025. Past performance isn't a guarantee. Not investment advice.

[Yerbol Karshyga @karshigaerbol]

Our model portfolio just had 3 bad weeks in a row: -6.15% while the S&P 500 fell 1.26%. 🧵

[Yerbol Karshyga @karshigaerbol]

See what the AI would build for your savings. It's free: https://t.co/LyRqSxHsbh
The first 100 on the waitlist also get a free AI portfolio review and a 1:1 call with Yerbol.

[Yerbol Karshyga @karshigaerbol]

@Mysorebajjii If the SIP money has a long horizon and your emergency cash is already set aside, waiting for "another dip" is usually delay dressed as strategy. Keep the SIP, skip the timing game. Not investment advice.

[Yerbol Karshyga @karshigaerbol]

@hummingbirdmom4 First question is when you'll need the money and how much you actually withdraw each year. That decides more than today's screen. Keep it simple. Not investment advice.