Girish

🐘🦏

[Girish @kpai4]

@Balunatesh @vishwas_rakho ಬೇಡ ಸ್ವಾಮಿ , ಕಾಂಗಿ ಗಳಿಗೆ ವೋಟ್ ಹಾಕದೆ ಮಂಗ್ಳೂರ್ 8th Richest ಡಿಸ್ಟ್ರಿಕ್ಟ್ ಆಗಿದೆ . ಇನ್ನು ಕಲ್ಬುರ್ಗಿ ಆಗೋದು ಬೇಡ.

[Girish @kpai4]

@hashermohammed @moneycontrolcom He is Irish citizen.

[Ida Turan 🇮🇷 @iranidaturan]

The reason Trump isn’t rushing to save Saudi is that Bab el-Mandeb is not Hormuz. Hormuz is an energy choke point. Closing it directly raises gas prices in US, and Trump has a stake in that.

Bab el-Mandeb is the route for consumer goods going from China to Europe. That’s mainly their problem.

Saudi keeps saying this is an international waterway and everyone has to help. That’s true. Now let’s see if China and Europe actually show up.

For months the UAE worked with Trump, joined the Abraham Accords, helped on Hormuz, and took a position against regime in Iran.

Saudi did the opposite. They didn’t even let Trump use the American base in Saudi to hit the regime. When it came to reopening Hormuz, they stepped aside. They sent a big team to Tehran for Khamenei’s funeral. Then instead of joining the Abraham Accords, they launched the Mecca Pact.

Now they have to live with that. @realDonaldTrump doesn’t mind if MBS sees the consequences of those bad calls.

That Barak Ravid article didn’t come out of nowhere either. Trump wanted it out there to make MBS look stupid, which he is.

[Girish @kpai4]

@Fintech03 If u have pronation then try Asics Gel kayano
If u are looking for stability then go for Brooks
If u want cushion try Adidas Evo SL
For walking try On cloudmonster

[marcjush @marcjushm]

England 🏴󠁧󠁢󠁥󠁮󠁧󠁿

[ManZone @ManZonex]

Casio MPT-1370L
So cheap so good

[Machiavelli Bot @UnmodernmanBot]

Success is largely genetic. You need to be born with a subset of pre-determined traits, in order to be successful by metrics of human performance:

- High Intelligent (Ability to solve complex problems)
- High conscientiousness (Ability to work long hours without tiring out)
- Low Agreeableness (Task prioritisation and defense against exploitation and manipulation)
- Low Neuroticism (Ability to deal with extreme amounts of stress)
- A sense of never ending restless (insatiable greed, i.e ambition)

[Malay Krishna @Malay4Product]

Pulling off the Vande Bharat Express on this route is fascinating because the route has a 55‑kilometre stretch of mountain.

Between Sakleshpur and Subrahmanya Road, the railway line drops down the Western Ghats. The gradient there is 1 in 50, which means for every 50 metres, it also drops a metre.

Dozens of tunnels. Sharp curves one after another. Trains crawl through it at around 25 kmph.

It is so steep that the section has catch sidings, which are dead end tracks built beside the main line. If a train ever loses its brakes going downhill, it gets diverted into one of those and stopped by the ground itself.

That is the level of risk railway engineers plan for on this stretch.

For years the safety commissioner kept heavy restrictions on running passenger trains through it.

A proper day train between Bengaluru and Mangaluru was talked about for two decades and kept getting pushed back.

But two things changed that.

First, what Vande Bharat is.

A normal train has one locomotive at the front pulling twenty dead coaches behind it. Going uphill, all the power comes from one point. Coming downhill, all the braking effort has to be managed from one point too, which is exactly what you do not want on a 1 in 50 slope.

Vande Bharat is not that.

It is a self propelled trainset, meaning motors sit under several coaches along the length of the train. Power is spread out, so it climbs better.

And braking is spread out too, with the motors themselves acting as brakes on the way down and feeding energy back into the overhead line instead of turning it all into heat on brake pads.

The rake used in this trial is also fitted with Automatic Emergency Braking, specifically for controlled descent.

The second change happened in December 2025.

Indian Railways finished electrifying that 55 kilometre ghat section, which was one of the toughest remaining unelectrified gaps in the south.

With that done, the entire Bengaluru to Mangaluru route is electric end to end. No electricity through the ghat meant no Vande Bharat through the ghat.

So what is this trial for.

The trial was a timing trial for the full route.

It left Yesvantpur at 6:05 am, stopped at Hassan, Sakleshpur and Subrahmanya Road, and was scheduled into Mangaluru Central at 2:25 pm.

That is 363 km in 8 hours 20 minutes. The return leaves Mangaluru at 3 pm and gets back at 11 pm.

The interesting detail is that South Western Railway's own headquarters has told officials that 8 hours 20 minutes is too high and asked them to bring it down.

So the timetable being tested is a starting point.

Now right now, getting from Bengaluru to Mangaluru means a 7 to 8 hour bus ride down NH-75, or a flight, or a train.

The fastest existing train on the route, the Bengaluru to Kozhikode Express, takes about 9 hours 23 minutes.

Many trains on this line also skip Mangaluru itself to save time. This one runs during the day, in both directions, and drops you at Mangaluru Central.

Coastal Karnataka sends a lot of people to Bengaluru. Students, hospital patients, families, the huge Mangaluru diaspora working in the city.

A comfortable morning departure that gets you there by afternoon, and an afternoon return, is game changing for them.

Yes, 363 km in 8 hours 20 minutes works out to an average of about 44 kmph. By Vande Bharat standards that is slow. Anyone expecting a four hour ride is going to be disappointed, and that is not the train's fault.

The mountain sets the ceiling. The right comparison here is the bus and the existing 9 hour 23 minute train, not a Rajdhani on flat ground.

The bigger picture is that this is what Indian rail growth actually looks like now. Not just new trains.

[Navroop Singh @TheNavroopSingh]

ARAMCO refinery in a JV with RIL in Maharashtra never fructified thanks to Aghadi Government and then post 2022 Ukraine war dynamics changed.

What Reliance did was simple but yet it hurt Aramco: from 2022 onwards it aggressively bought discounted Russian Urals, securing barrels that were $6–$12 cheaper than Middle Eastern supplies, and ran them through the world’s largest refining complex at Jamnagar.

The economics were unbeatable. By 2025, Russian crude made up 36–50% of Reliance’s intake, compared to just 3–10% before 2022, and in the first half of 2025 alone Reliance exported over 21 million tonnes of refined fuels to Europe.

These were volumes that Aramco once supplied, and as Indian cargoes docked in Europe, Saudi diesel was displaced. The Saudis lost contracts, lost market share.

Riyadh through its Public Investment Fund (PIF) and mining arm Ma’aden announced a $540 million investment in the Reko Diq project.

Saudi Arabia’s Manara Minerals, a joint venture between PIF and Ma’aden, began negotiating a 15 percent stake in Reko Diq valued at nearly $1 billion.

Yasir Al-Rumayyan, the governor of the PIF, chairman of Ma’aden and chairman of Saudi Aramco. Al-Rumayyan is not only the architect of Saudi mining investments but also a close ally of Donald Trump.

He has been photographed alongside Trump at UFC events, golf tournaments, and political fundraisers. More importantly, the PIF invested $2 billion into Jared Kushner’s private equity fund, Affinity Partners, shortly after Trump left office in 2021.

This direct infusion of Saudi capital into Kushner’s ventures cemented a deep financial and political alignment between the Trump family and Riyadh.

In 2023, the Saudis injected $2 billion into Pakistan’s central bank, enabling Islamabad to unlock an IMF bailout, and promised further investments in projects like the Reko Diq mine.

Munir speaking about India’s refining of Russian crude, the word of putting Jamnagar refinery as a target isn’t organic.

Even America’s Treasury Secretary Scott Bessent targeted RIL for Arbitrage over Russian Oi. That was the Wahabi Oil in Washington DC money speaking !

The Wahhabi oil lobby knows how to work the levers of Washington, and the pressure campaign against India’s Russian crude play is being dressed up as strategic necessity for both Aramco’s recovery and America’s desire to protect the dollar system.

Saudi wants the European share back, the Americans want US & Venezuelan Oil to replace Russian crude basket of India. Russia crude as of date nearly makes up 40-50% of India’s Crude Basket.

It is Russian crude the saved India from energy shock during the middle east conflict. India & Russia have both defied US sanctions and rather settling Oil trade bi-laterally through Vostro Accounts mechanism.

Pakistan, predictably, is being recycled as a proxy in this pressure game by both America & Saudi Arabia.

Pakistan’s bid to relevance happened after Saudi Arabia started funding and rehabilitating it since 2022-23. And now it has a mutual defence pact with KSA & Turkey which has blessings of United States.

[Girish @kpai4]

@libcrusader Only someone like you, who clearly knows nothing about Mangalore and gets their entire worldview from X, could come up with this kind of nonsense.

[Girish @kpai4]

@iamsachiniv They don't want centre to take all the credit so they are diverting the issue.

[Girish @kpai4]

@avataram Beautiful watch.

[Girish @kpai4]

@dumbupole Too soon to judge DKS , he is pro development unlike his predecessor.

[Reads with Ravi @readswithravi]

And as Carl Jung said, no matter how isolated you are and how lonely you feel, if you do your work truly and conscientiously, unknown friends will come and seek you.

[Girish @kpai4]

@MAHESH79989822 @bhatinmaai That was unfair to Karnataka, since the station is located in Karnataka.

[Girish @kpai4]

@MAHESH79989822 @bhatinmaai Yes, but the amount a state receives for development and infrastructure from the Central Gov depends, to some extent, on the revenue it generates. If I’m not mistaken, the Kerala Gov used to collect taxes on parking, advertising, and catering services at Mangalore Railway Statio.

[Abhi @_Avykt]

90% of Palakkad division’s revenue came from Mangalore but they never gave any interest to improving railway infra in Dakshin Kannada

Infact one of the last stretches of rail electrification in India was here. Such parasites

It’s over for Palakkad division now.

[Girish @kpai4]

@RishiJoeSanu Lol, Mangalore is hardcore right-wing. The Communists wouldn’t even get 100 votes here. Mangalore is anything but Kerala—it’s honestly an insult to even compare us. We have excellent healthcare and education, something you clearly can’t claim for Kerala.

[Ramkumar | Structured Investing @Ramkuma66261700]

Most investors choose a Multi-Asset Fund by looking at just one number:

Returns.

But a Multi-Asset Fund has a different job from a pure equity fund.

It is supposed to combine equity, debt, gold and other assets to deliver a better investing journey across market cycles.

So I analysed the funds matrix posted by @Mf360WW
using not just returns, but also:

→ Standard Deviation
→ Sharpe Ratio
→ Sortino Ratio
→ Long-term CAGR
→ SIP returns

The results were interesting.

1) Quant Multi Asset: The Return Machine
Quant is the clear leader in absolute returns:
• 3Y: 23.27%
• 5Y: 20.70%
• 10Y: 18.94%
• 10Y SIP Return: 22.30%

And importantly, the risk-adjusted metrics are also strong:

• Sharpe: 1.30
• Sortino: 1.99

Yes, volatility is relatively higher at 11.86%.

But Quant's numbers suggest that investors were compensated well for that additional risk.

Takeaway: Quant appears to be the strongest fund for investors prioritising long-term wealth creation, provided they can tolerate relatively higher volatility.

2) WhiteOak Capital: The Risk-Adjusted Superstar

Now look at these numbers:

• 3Y Return: 17.65%
• Standard Deviation: 5.09%
• Sharpe: 1.94
• Sortino: 2.43

The return is lower than Quant.

But the volatility is less than half.

This is why risk-adjusted returns matter.

A fund delivering 18% with 5% volatility may offer a much smoother investment journey than a fund delivering 23% with 12% volatility.

WhiteOak has the strongest Sharpe and Sortino profile in this dataset.

The caveat?

The track record is still short.

Great 3-year numbers need to survive a full market cycle before we can draw stronger conclusions.

3) ICICI Prudential: The Balanced Compounder
ICICI Prudential may not have the flashiest numbers.
But it has something more valuable for many retail investors:
Consistency.

• 3Y: 16.17%
• 5Y: 17.51%
• 10Y: 15.73%
• Standard Deviation: 8.58%
• Sharpe: 1.07
• Sortino: 1.23

This is a strong combination of:

Good long-term returns
Lower volatility
Proven 10-year history

Takeaway: For someone looking for a potential core multi-asset allocation, ICICI Prudential stands out.

4) Nippon India: The Interesting Middle Ground

Nippon India has produced:

• 3Y: 20.55%
• 5Y: 16.50%
• Standard Deviation: 9.49%
• Sharpe: 1.29
• Sortino: 1.62

This is perhaps one of the most interesting combinations in the dataset.

It has delivered returns closer to the aggressive funds.

But with volatility lower than Quant.

Its Sharpe ratio of 1.29 is almost identical to Quant's 1.30.

That suggests strong return efficiency.

Nippon India deserves a closer look.

5) SBI Multi Asset: The Smoother Ride
SBI isn't the highest-returning fund.

But it has delivered respectable long-term performance with relatively controlled risk:

• 3Y: 16.57%
• 5Y: 14.31%
• 10Y: 12.29%
• Standard Deviation: 8.34%
• Sharpe: 1.15
• Sortino: 1.46

The numbers suggest a smoother journey.
And that matters more than many investors realise.

Because the biggest risk for a retail investor isn't always volatility.

Sometimes it is their own behaviour.

A portfolio that falls 35% may cause an investor to panic and exit.

A smoother portfolio that compounds at a slightly lower rate may ultimately produce a better real-life investor return.

6) Here is the most interesting comparison:

Quant vs WhiteOak

Quant:

→ Return: 23.27%
→ Volatility: 11.86%
→ Sharpe: 1.30

WhiteOak:
→ Return: 17.65%
→ Volatility: 5.09%
→ Sharpe: 1.94

So which one is better?
There is no universal answer.
It depends on what you want.

If your priority is:

Maximum growth → Quant

If your priority is:

Maximum return efficiency → WhiteOak

If your priority is:

A proven long-term core holding → ICICI Prudential

If you want:

A balance between growth and risk → Nippon India

If you prefer:

A relatively smoother journey → SBI Multi Asset

The biggest mistake investors can make is assuming:
Higher returns = Better fund
Not necessarily.

A fund may generate higher returns because it:
• Takes more equity exposure
• Has higher exposure to small and midcaps
• Takes concentrated positions
• Has more aggressive asset allocation

That doesn't automatically mean it is a superior investment.

The real question is:

How much return did the fund generate for every unit of risk it took?

That's where Sharpe and Sortino ratios become useful.

My quantitative shortlist from this analysis:

Quant Multi Asset — Best absolute returns

WhiteOak Capital Multi Asset — Best risk-adjusted statistics

ICICI Prudential Multi Asset — Strong long-term balanced profile

Nippon India Multi Asset — Attractive growth-risk combination

SBI Multi Asset — Established smoother compounder

But this is only Step 1.

Before investing, I would also analyse:
1. Current equity, debt and gold allocation
2. How actively the fund changes asset allocation
3. Portfolio overlap with your existing equity funds
4. Fund manager tenure and investment process
5. AUM growth and its impact on flexibility
6. Maximum drawdowns during market crashes
7. Rolling 3-year and 5-year performance
8. Tax implications

Because in Multi-Asset Funds, the real edge may not come from picking the best stocks.

It may come from something much more powerful:

Knowing when to own equities, debt, gold — and when to rebalance between them.

Don't just ask: “Which Multi-Asset Fund gave the highest return?”

Ask:

“Which fund delivered attractive returns with a level of volatility that I can actually live with for the next 10 years?”

That is probably the more important investment question.

Past performance is not indicative of future returns. This analysis is based on historical quantitative data and should be combined with qualitative due diligence before making investment decisions.

[Girish @kpai4]

@ajonit If I am not mistaken Tanishq has highest making charges.