mithesh v m

[mithesh v m @mitheshvm]

Congrats Spain 🤝👍
Well deserved title 🏆
Sheer dominance against former champions 💪

[FIFA @FIFAcom]

Spain lift the @FIFAWorldCup trophy for the second time in their history! 🏆🇪🇸

[mithesh v m @mitheshvm]

It’s a positive news for me !

I don’t know the benefits.

But, regularly play racquet sports - badminton or tennis for past 15 years.

My reasons

1) it makes me happy 😃
2) it makes me fit without boring me 💪
3) it gives me good friends👬 and energy

[mithesh v m @mitheshvm]

@Amara_Bengaluru I congratulate him for changing strategy as situation has changed.

I have also followed him. But, didn’t blindly follow his advice and stocks. He has helped me a lot in building my investment strategy.

Everyone gives something to learn!

[mithesh v m @mitheshvm]

This simple choice resulted in a 4% difference in returns.

So, my friends, if you are in your 30s and 40s max out your equity portion in NPS

[mithesh v m @mitheshvm]

Your choice matters !

I was having a talk with friend, and we started to discuss personal finance.

I was happy to know that his company contributes significant amount every month to his NPS account.

But, what he said next surprised me 😮

[mithesh v m @mitheshvm]

He, said his returns on NPS is 8% only.

He was surprised when I shared that my NPS returns always remained in 11 to 14% band.

Basically,majority of his investment was going to debt instruments whereas I had maxed out my equity contribution.

[mithesh v m @mitheshvm]

@Nithin0dha @Vivek_Investor LTCG STCG and STT - true

[mithesh v m @mitheshvm]

@Nithin0dha @Vivek_Investor Investors taking money out - true

[mithesh v m @mitheshvm]

@Nithin0dha @Vivek_Investor 4) Rupee situation - agreed

[mithesh v m @mitheshvm]

@Nithin0dha @Vivek_Investor 3) Rich valuation - Not completely true. May be true for some sectors or some companies. But, still there are many good companies with good valuation now.

[mithesh v m @mitheshvm]

@Nithin0dha @Vivek_Investor 2) yes, we don’t have any true AI plays. But all AI companies will need India and Indian companies. In IT / Internet boom also, we didn’t had any core players. But, Indian companies have benefitted. So, AI will benefit Indian companies too.

[mithesh v m @mitheshvm]

@Nithin0dha @Vivek_Investor Appreciate their opinion.

But, some counter points here

1) India is not geopolitically exposed. It’s seen in a great position now. India has diversified its oil supply from almost all oil supply countries. So, oil shock don’t bother India much now, compared to 10 years ago

[mithesh v m @mitheshvm]

Basics of Stock investing

1) You understand the business and you know from where the profit is generated

2) You understand the longevity of business and profitability of the company

3) You know when to invest

4) You know your target price

5) you have the patience 😃

[mithesh v m @mitheshvm]

This is comparison of my Portfolio with Nifty 50. I was able to generate 3 to 10 alpha and beta is close to 1.

Self reminder to hold tight and ride this bad phase

[mithesh v m @mitheshvm]

You have been tracking your favourite stocks for a good valuation.

Now, they are available at good valuation.

Are you buying them or waiting wondering what will happen tomorrow ?

Yes, market benefits the one who have the patience. But, it also favours the brave

[Ramanuj Mukherjee @law_ninja]

The most dangerous person in any industry right now is not the AI expert. It is the domain expert who learned AI.

And almost nobody understands why.

Let me explain.

India produces roughly 1.5 million engineers every year.

A huge number of them are now learning AI. Watching YouTube tutorials. Getting certifications. Building chatbots that talk to PDFs.

LinkedIn is full of them. "AI/ML enthusiast." "Prompt engineering certified." "Building the future with Gen AI."

Most of them are unemployable.

Not because they lack technical skill. But because they lack context. They know how the tool works. They have no idea what problem to point it at.

Now look at the other side.

A CA with 15 years of experience who spent 2 months learning AI tools: he knows exactly where the pain is in an accounting workflow.

He has felt it in his bones. He knows that the real bottleneck isn't the balance sheet. It is the 47 WhatsApp messages it takes to collect one client's documents and various OTPs.

He doesn't need someone to explain the problem. He lived the problem for 15 years.

When this person learns AI, something terrifying happens. He doesn't just optimize. He eliminates.

A litigation lawyer in Kolkata who handles bail matters.

She spent 20 years drafting the same kind of applications with minor variations. She learned Claude Code in 3 weeks. Now she generates first drafts in 4 minutes that used to take her junior 4 hours. Also, she can map evidence and find contradictions in the prosecution case that would have taken a team of 20 juniors without AI. She can even simulate how a judge may react based on a judicial profile model she creates of a judge.

She didn't learn "AI." She learned how to give a machine the context she already had in her head.

That is a completely different thing.

The AI expert builds a generic document summarizer. Impressive demo. Works on anything. Understands nothing.

The domain expert builds a bail application drafter that knows the difference between what Prosecutor A argues v Advocate B. Knows which judges want shorter arguments. Knows that the medical ground needs to be in the second paragraph, not the fifth.

No AI course teaches this. No certification covers this. This is 20 years of courtroom experience compressed into a prompt.

This is why the domain expert is more dangerous.

The AI expert sees technology. The domain expert sees the bottleneck.

And the bottleneck is where all the money is.

Real example. A garment exporter in Tirupur. He processes 200 orders a week. Each order requires email parsing, PO data entry into Tally, production schedule updates, shipping documents, buyer follow-ups.

Currently: 2 data entry operators. 8 hours each. 5 days a week. Errors constant. Follow-ups missed. Buyers frustrated.

An AI engineer looks at this and says "let me build a custom NLP pipeline."

The exporter's son, a 24-year-old commerce graduate who spent 6 weeks learning Claude Code, looks at this and says "Papa, I'll build you a system that reads your buyer emails and whatsapp queries, enters PO data into Tally, and sends WhatsApp follow-ups automatically."

Not with drag-and-drop. With actual code. Written by AI. Guided by a kid who understands his father's Tuesday afternoon better than any engineer ever will.

He didn't write the code himself. He described the problem to Claude Code and it built the connectors, the parsers, the integrations. In days, not months.

Built in 3 weeks. Runs on a Rs 200 per month GCP server. No data entry operators needed.

The AI engineer would have quoted Rs 15 lakh and taken 6 months to make something remotely usable. The commerce graduate did it for almost nothing. Because he wasn't solving a technology problem. He was solving his father's business.

This is the pattern everywhere.

And the tools available today make it absurd.

Claude Code and Cursor don't just help you code. They build entire applications from a conversation. You describe what you want. It writes, tests, and deploys. The barrier between "I understand the problem" and "I built the solution" has collapsed to near zero.

But coding tools are just the beginning. Look at what else exists right now:

HeyGen and ElevenLabs. A single domain expert can now create professional video content and voiceovers in any language. That CA in Jaipur? He can create a client onboarding video in Hindi, English, and Marathi. Personalized. Professional. Without a camera, a studio, or a production team.

Kling and Runway. Generate product videos, explainer content, visual demos. The Tirupur exporter can send his international buyers a product showcase video generated from photographs of fabric samples. No videographer. No editor. No 2-week turnaround. No filming budget.

OpenClaw and similar AI agent platforms. Build autonomous agents that don't just automate a task but run entire workflows end to end. Client intake to document generation to follow-up. Without a human in the loop.

Hermes and open-source models you can run locally. Process sensitive client data without sending it to the cloud. A law firm that won't put case files on ChatGPT can run Hermes on a local machine and get the same AI power with full confidentiality.

This is the new stack. Not no-code drag-and-drop. Not Zapier. Not "if this then that."

The stack is: AI that builds software + AI that creates content + AI that runs autonomously + AI that runs privately.

And any domain expert can learn it.

The doctor who learns this stack will build better diagnostic workflows than any health-tech startup. Because she knows that the real problem is not diagnosis. It is that patients lie about their symptoms, forget their medication history, and bring reports from 3 different labs in 3 different formats. She uses Claude Code to build a patient intake system. ElevenLabs to create voice-guided instructions in the patient's language. An AI agent to chase lab reports automatically.

The teacher who learns this stack will build better learning tools than any ed-tech company. Because he knows that the problem is not content delivery. It is that a student who failed the last test is too embarrassed to ask a doubt in front of 40 classmates. He uses Claude Code to build a private doubt-clearing bot. HeyGen to create video explanations that feel personal. Kling to generate visual demonstrations of physics concepts that no textbook can show.

The HR manager who learns this stack will build better hiring workflows than any recruiting platform. Because she knows that the problem is not resume screening. It is that hiring managers don't read the JD they approved, and then reject candidates for not matching a JD they never actually wanted. She uses an AI agent to align JDs with actual team needs before posting. Claude Code to build a candidate evaluation system tuned to what actually predicts success in her company.

Domain knowledge is the moat. This new AI stack is the weapon.

The combination is unstoppable.

Here is what this means for you.

If you are a domain expert in any field, your 10 or 15 or 20 years of experience just became the most valuable asset in the market. Not less valuable. More.

Every frustration you had. Every broken process you complained about. Every time you said "there has to be a better way." That was training data. Your training data.

You don't need to become a programmer. You don't need a CS degree. You don't need to understand transformer architectures.

You need to learn the new stack:

1. How to talk to AI and get what you want (prompting): 2 weeks
2. How to build apps and tools with Claude Code or Cursor: 3-4 weeks
3. How to create content with HeyGen, ElevenLabs, Kling: 1-2 weeks
4. How to deploy AI agents that work autonomously: 2-3 weeks
5. How to read a business process and map it: you already know this

The entire stack. Under 3 months. No CS degree. No coding bootcamp.

The AI experts are competing with each other. Fighting over the same startup jobs. Building demos that impress other AI experts.

The domain expert who learns this stack has no competition. Because nobody else has their context.

The CA who builds his own practice management system with Claude Code. The lawyer who runs case research on a local Hermes model with full confidentiality. The factory owner's daughter who creates multilingual buyer presentations with HeyGen and closes international orders her father never could.

These people are not on AI Twitter. They are not posting demos. They are not collecting certifications.

They are quietly making themselves irreplaceable.

The most dangerous person in any room is not the one who knows the most about AI.

It is the one who knows the most about the problem.

And just learned enough AI to solve it

[mithesh v m @mitheshvm]

‘Invest 10k in index everytime it falls by 1% ‘ is a great rule to start with

[mithesh v m @mitheshvm]

I get many queries like ‘which stock to buy now?’

My standard answer is ‘don’t invest in direct stocks, if you don’t know which stocks to buy’.

Holding stocks requires high conviction which comes only from analysis.

Best way to start investing in equities is by buying index

[mithesh v m @mitheshvm]

Set your priorities right !

This is the single mantra to sort out any problem in life.

When you set your priorities right and work towards it, you will never get lost.

Below are my priorities

1) Health
2) Family
3) Money
4) Wealth
5) Purposeful Life

What are yours ?

[Vijay Mallya @TheVijayMallya]

I would like to heartily congratulate the new owners of RCB. I wish them the very best and Godspeed with the most valuable IPL franchise. When I bought the franchise in 2008 for INR 450 crores, most people laughed at me and criticised my investment as a vanity project. Behind my much touted madnesses was building the Royal Challenge brand and hence I named the franchise RCB. Immensely gratifying to see my INR 450 crore investment grow to INR 16,500 crores. RCB will always remain a part of my DNA with indelible memories including picking the young Virat Kohli who is now amongst the best in the World. To all RCB fans who came on board during my stewardship and beyond, a grateful thank you and please continue to support RCB the Lion of Bengaluru. Namaskara.