GabbarJi007

Love making things happen ; Sales Professional & Equity Market Enthusiast

[Aditya Garg @AdityaGargINC]

DDLJ was released in 1995, 31 years ago.
Europe in 1995 appears more developed than India in 2026.

[Nabila Jamal @nabilajamal_]

#BREAKING

Karnataka to Issue Permanent Residence Certificates for Voter Roll Revision. DKS Urges Citizens to Enrol in SIR Drive

Karnataka Chief Minister DK Shivakumar has announced that the state govt will issue permanent residence certificates to help citizens complete the Election Commission's Special Intensive Revision (SIR) process

He also urged eligible voters to participate in the SIR drive and complete their registration

The certificates will be available both online through the Seva Sindhu portal and offline

"Whoever wants a residence certificate will get it both online and offline" @DKShivakumar

[GabbarJi007 @PrateekDh]

@RajeevRai @IRCTCofficial This is amritkaal and this is amrit food. Please have it asap

[GabbarJi007 @PrateekDh]

@stockifiabhijit So you think Nirmala was taking decision on her own ? For your information Shaktikanta das was himself involved in lot of budget prep in NDA era.

[Vikas Vij @TheClubJunto]

Nifty 50 SIP Returns (2005–2024): 6.7% CAGR

SIP Sales Pitch: Returns @ 12-15% CAGR. The Reality: Returns @ 6.7% CAGR in Nifty 50 SIP over the last 20 years. 9.65 crore active SIP contributing Indians should know the facts.

SIPs: Myth vs. Reality

a. Last week's JP Morgan report said SIPs are now the MF industry’s demand anchor, contributing 77% of equity MF & hybrid MF net inflows. Monthly SIP inflows in May 2026 were up 48% YoY.

b. Brokers sell SIPs showing a past track record of 12-15% CAGR annualized returns. In reality, the actual 20-year Nifty 50 SIP CAGR, pre-tax, pre-fees was only 6.68%. (Source: Peer-reviewed Arxiv study, 2005–2024, available online).

c. When a Mutual Fund reports "10-yr return of 15%", that 15% applies only to the investor who invested a lump sum 10 years ago and never touched it.

But the average SIP investor tops up during rallies and stops during declines. So, actual return (XIRR) is much lower in the real world.

d. In other words, the 15% return only works for the SIP investor who entered in a bear market, never panicked, never switched from one fund to another, invested through every crash, and held until the exact date the broker did his calculations for 15% CAGR.

Why Real-World Returns are Low?

a. A 2026 FundsIndia study published in the mainstream financial media analyzed Nifty 50 TRI (total return index) returns from 1999 to 2026.

b. If you invested a lump sump in Nifty 50 TRI in 1999 and remained invested till 2026 (YTD), you would earn 13.3% CAGR over 27 years.

c. But if you missed just 15 best trading days in the last 27 years, your portfolio lost 2/3rd of its value. (You only earned 8.8% CAGR).

If you missed 30 best days, your portfolio lost 85% of its value. (You earned 5.7% CAGR – lower than FD returns and not even beating inflation).

If you missed 50 best days, your portfolio lost 94% of its value. (You earned 2.3% CAGR over 27 years.)

d. 7 of the 10 best days occurred within two weeks of the 10 worst days. This means investors who panic during crashes usually miss the strongest rebounds.

For example, if you panicked and stopped SIP during Covid, you would have missed some of the “best trading days” in Nifty history that followed when market rebounded.

e. SIPs Destroy SIPs: SIPs are designed to gain from market corrections. At market lows, an SIP buys more units for the same amount (rupee-cost averaging).

But when there is a flood of SIP liquidity, market volatility is removed systematically. SIPs lose their natural advantage.

That’s why Charlie Munger says passive investing works best when relatively few people are doing it.

Where are Rich SIP Investors?

a. Anurag Singh @anuragsingh_as who has extensively written on the SIP “illusion” asked in a 2024 article in ET: “Why isn’t the previous generation rich if SIPs delivered such fantastic returns?”

b. When old SIPs keep closing and new SIPs keep opening, only the broker makes money. Even if investors switch from one fund to another, it still kills the compounding as soon as you stop one fund.

c. In 2024, Anurag said: “Small-cap SIPs jumped nearly 4X after FY21, and are currently 50% more than large-cap SIPs. (Large-cap money was switched to small-caps.) What kind of SIP education brokers are giving to investors?”

d. SIP Stoppage Ratio is a metric that tells how many SIPs are stopped or switched every month (and thereby lose the compounding effect). It is the ratio of SIPs discontinued to new SIPs started in a given month.

SIP Stoppage Ratio in early to mid 2024 ranged from 50% to 60%. Market was rising, and more SIP accounts were being opened at peak prices. Stoppages increased in 2025 as prices declined.

SIP Stoppage Ratio in 2026:

Jan: 74.8%
Feb: 75.6%
Mar: 101.06%
Apr: 101.1%
May: 95.5%

Stoppage ratio trend shows SIP investors follow this cycle:

Market Rises: Start SIPs

Market Falls: Stop SIPs

Market Recovers: Those who stopped miss the rebound.

Market Peaks: Those who stopped return to make new SIPs.

When there is deep pessimism in the markets, it is the worst time to stop SIPs. But human mind is not wired to handle extreme pain of loss. Most investors simply give up, cut their losses, and move on with their life.

Endquote

“If investing weren’t hard, everyone would be rich.” – Charlie Munger

@arabicatrader

[GabbarJi007 @PrateekDh]

@Iamsamirarora Also samir sir, is it necessary for someone to tell truth about an option to necessarily provide an alternative??

[GabbarJi007 @PrateekDh]

@Iamsamirarora So samir sir, if public do not have any other option, they should not be fed truth about the only option they have ?

[GabbarJi007 @PrateekDh]

@ActusDei I think by 2047 indian govt will build world class websites, but nothing till 31 dec 2046 pls

[Jeetu Besla @JeetuBesla]

बाला साहेब ठाकरे की सुनील दत्त साहब से नहीं पटती थी..उस वक्त संजय दत्त AK-56 रखने के अपराध में जेल में थे और सुनील दत्त बहुत दुखी थे.. मैने बाला साहब से कहा आप फादर फिगर ऑफ महाराष्ट्रा हो आप महाराष्ट्र के गॉड फादर हो आप चाहेंगे तो संजय दत्त बाहर आ सकता है।

मैंने बाला साहब ठाकरे जी से कहा सुन���ल दत्त साहब बहुत बड़े देश भक्त है आप उनकी मदद करो मैं अटल जी से, आडवाणी जी, से मनोहर जोशी जी से सबसे मिला दत्त साहब के लिए।

उस दिन मनोहर जोशी शिवाजी पार्क में मुख्यमंत्री पद की शपथ ले रहे थे मैं नीच बैठा हुआ था बाला साहब ने इशारे में मुझे ऊपर मंच पर बुलाया और भाषण देने को कहा कि आपका भी हमारी सरकार बनने में बड़ा योगदान है।

मैंने बाला साहब ठाकरे से एक ही चीज़ मांगी कैसे भी संजय दत्त की मदद कीजिए उससे गलती हो सकती है लेकिन वो टेररिस्ट नहीं हो सकता.. बाला साहेब ने भी स्वीकार किया सुनील दत्त देश भक्त है और उनकी मदद करनी चाहिए।

[Sanjay K Jha @whoskj2]

Modi is on a 3-day state visit to Seychelles. India's PM indeed has so much time to waste. Seychelles has a population of 1.25 lakh and is hardly a factor in geopolitical power matrix. And we have to digest the lofty claim that Modi never takes leave; he is always at work.

[Jawhar Sircar @jawharsircar]

Another Junket in Ocean & Palm Paradise — at our expense!
He seriously needs help for
OCD on luxurious life and
jet setting at our expense.
Can he get our naval outpost that was kicked out by Seychelles? No.
Does Crony No 1 require
some sifarish for
profiteering?

[First Squawk @FirstSquawk]

Joe Biden on Trump:

Trump has made billions of dollars since returning to the White House. It's simply stunning to me. He has no shame, and frankly it's embarrassing for the country.

But Trump couldn't care less. Making money off the presidency is one of the reasons he wants to be president.

[Priyanka Gandhi Vadra @priyankagandhi]

युवाओं, जागो!!! जब तक अपनी आवाज़ बुलंद नहीं करोगे, तब तक तुम्हारे भविष्य के साथ यही आतंक चलता रहेगा। एक बार फिर से तुम्हारे साथ धोखा हुआ है। महाराष्ट्र में TET का पेपर लीक हो गया और परीक्षा टल गई।

NEET, CBSE, SSC, CUET और अब TET... यह सिलसिला बंद तभी होगा जब आंदोलन खड़ा करके अपनी ताक़त दिखाओगे। जब तक ऐसा नहीं होगा, तब तक भाजपा सरकार और प्रधानमंत्री जी की तुम्हारे प्रति कोई जवाबदेही नहीं बनेगी। न वे परीक्षाओं में भ्रष्टाचार पर लगाम लगायेंगे, न तुम्हारे भविष्य की ज़िम्मेदारी लेंगे।

[GabbarJi007 @PrateekDh]

@dahi_kachorie @Swiggy if this is true, congratulations you are heading for bankruptcy soon . I anyways have stopped using your platform because you maintain crazy high pricing for same restaurant

[GabbarJi007 @PrateekDh]

@IndianGems_ Infact he forgot to tell when his granddaughter was born , she cried Modi first thing

[GabbarJi007 @PrateekDh]

@PropositoyVida In india we keep onion. @JM_Scindia

[GabbarJi007 @PrateekDh]

@SimpleAditya_9 @nsitharaman Nirmala mam I think would be elevated to finance minister of the world and hence she is leaving india FM job

[GabbarJi007 @PrateekDh]

@Cryptified_Soul Massive loss for Indians if she is removed. She is capable of being Finance minister for world. She has been instrumental in finding gaps and taxing people heavily

[GabbarJi007 @PrateekDh]

@DivaJain2 Thank you Divya. We will soon credit 2k for this supporting govt tweet to your account

[amit kilhor @amitkilhor]

We should refuse to pay taxes till the time Government proves our CITIZENSHIP to us.🤣

#passport #citizenship