T M Subrahmanya swamy QPFP®|CFP®

AMFI registered mutual fund ,SIF distributor,Gift city investments.
professional member, Council of Financial planners, Bengaluru.
Chapter head, MFDAK, Mysuru.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

An useful update! https://t.co/krAMfQZvDd

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@deepakshenoy @CapitalmindMF We are proud that you took off as a first AMC from Namma Bengaluru!
On this day of Dr.Rajkumar,the legendary hero of Karnataka, we wish your AMC also grow like a legend in the coming journey of Indian economy!
ಅಭಿನಂದನೆಗಳು!

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@CouncilofFP It's nice that @CouncilofFP is gearing up for writing a new prompt for personal finance professionals!

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@Vivek_Investor It all depends whether one is in search of Viveka or happy with Aviveka!

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

I tried to create an image on Basavajayanthi with #grok,#chatgpt,#copilot & #claude today & the winner is #claude only as rest neither understood kannada nor any such context returning a horrific text with improper image.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@elonmusk May be right that AI could drive massive productivity and justify income support—but UBI alone isn’t a silver bullet. Inflation may stay low only if supply (especially housing/services) keeps up. Real challenge: distribution of AI wealth, not just demand.
( when prompted!😊)

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@ActusDei @thefynprint It's foolish to conclude anything in this AI world! Wait & watch!

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@elonmusk If your Car can train human beings for sustainable living by nudging, it will be of great help to our civilization!

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

A life to be lived for long with curiosity, purpose & spirit resonates with this finding.....

[Deep Psychology @DeepPsycho_HQ]

A HARVARD psychologist says: “if you’ve achieved nothing by 25, you’ve avoided the most destructive illusion of youth”

> In 2021, a Harvard psychologist surprised a lecture hall with an unexpected statement:

“If you haven’t accomplished much by 25, you may have escaped one of youth’s biggest illusions.”

At first, the room laughed.
She wasn’t kidding.

> The illusion of early success.

In your early 20s, the brain seeks quick proof of worth ~status, attention, rapid achievements.

But psychologists warn that chasing recognition too soon can lock people into roles or paths they never consciously chose.

They decide too early… and spend years trying to undo it.

> The exploration phase.

Research on career development suggests that people who explore more before 30 often build stronger long-term directions.

Testing ideas.
Making mistakes in public.
Changing course.

At 25 it looks like confusion ….but by 35 it often turns into clarity.

People who feel “behind” in their mid-20s frequently gain something others miss:

Perspective.
Patience.
And a clearer sense of what truly matters to them.

That foundation often leads to better decisions later on.

At the end of the lecture, the psychologist left the students with one final thought:

“You’re not meant to have life fully figured out at 25.”

“You’re meant to discover who you’re not.”

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@deepakshenoy @CapitalmindMF It was an interesting session on positioning of funds in the current environment.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

A sensible one specially made for today!
https://t.co/90FW5FU3FS

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@dmuthuk These leaders were too focused on the "old" digital transformation (moving to the cloud/mobile) and were caught off guard by the "new" intelligence transformation (LLMs). However, both have since pivoted their entire companies to "AI-First" strategies to close that gap.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@dmuthuk Sir, it's same for all fields, either professionals get empowered or overpowered!
Everything boils down to democratization of knowledge.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@mysurucitycorp @Star_Of_Mysore
@mysurucorp
Hope concerned authorities act in the interest of the public at the earliest.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

Art of importing inflation!

[Ajay Bagga @Ajay_Bagga]

US wholesale prices rose by more than forecast in December, suggesting companies are increasingly passing on tariff costs at the risk of keeping inflationary pressures elevated.

[Council of Financial Planners @CouncilofFP]

COFP Monthly Meet (10 Nov 2025) explored India’s growth drivers with Niket Shah, CIO, @MotilalOswalAMC and the power of client loyalty with Avneet Arora CFP®. Insights on earnings cycles, structural shifts, NPS, and referral-led growth.

#COFP #MotilalOswalAMC

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@dmuthuk Knowledge & patience is what differentiates professional investor from the average market participant who is driven by emotion, noise, and the urge for quick returns.

[Muthukrishnan Dhandapani @dmuthuk]

Yesterday someone from an investment banking called me and said that they would make me preferred investor in pre IPO placements. They seems to have read my tweets on Beacon Trusteeship and Freshara Agro. I politely refused and explained the following.

I said I'll buy a company at a time and price I want. It is ok if I don't get such opportunities too. There are many stocks available in the market.

Beacon Trusteeship came out with an IPO last year at Rs.60 per share. The issue was oversubscribed a whopping 465 times. It got listed at a 50% premium and went as high as Rs. 150 or Rs.200 (different websites give different numbers).

Some time ago, the same company was available at Rs.50, lesser than IPO price, after getting oversubscribed 465 times a year ago. I started buying around Rs.50. My average cost of acquisition of more than 1% stake is Rs.69, just Rs.9 more than IPO price and way below listing price.

Why I'm giving this example is even if you like a company, as far as possible, don't buy during IPOs, when investment bankers set the price. Except for a few, most of these companies would available at reasonable valuations in future. You decide the time and price of entry. Don't let investment bankers do that.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

@elonmusk Employ all existing language professors of the world & make sure queries are understood in any language with its culture code & answered in the same way so that seeker need not put additional efforts to get desired output this saving lot of energy.

[T M Subrahmanya swamy QPFP®|CFP® @myvalueresearch]

Buyer beware!
Your ignorance is your biggest risk while investing in unregulated gold instruments!

[Muthukrishnan Dhandapani @dmuthuk]

Very important. Please make a note of this.