Prathamesh Lajurkar

Morior Invictus🔥
IIM Bangalore alumnus.
Ex-Wealth Manger for HNI-UHNI.
Building the advisory platform everyday Indians need🦄

[Prathamesh Lajurkar @prathamsPOV]

@jukan05 Aren't these examples of what Soros called reflexivity?

[Prathamesh Lajurkar @prathamsPOV]

@1shankarsharma What a simplistically misleading analysis.

https://t.co/pKjEZUo5c9

[Prathamesh Lajurkar @prathamsPOV]

Your post misses the most important variable - inflation. Assume 5-6% inflation per year & calculate 'real returns'. You can preserve the nominal value of your money for a thousand years by simply being in cash - only to realize it doesn't by the same amount of stuff anymore.

[Prathamesh Lajurkar @prathamsPOV]

Your post misses the most important variable - inflation. Assume 5-6% inflation per year & calculate 'real returns'. You can preserve the nominal value of your money for a thousand years by simply being in cash - only to realize it doesn't by the same amount of stuff anymore.

[Shankar Sharma @1shankarsharma]

This beautiful lazy Saturday morning, sipping on the best coffee in the world ( available on Amazon US + some stores), smooth Caffè di Artisan Luxe Coffee, idly ran some 12 year NIFTY numbers & compared it to a Bank FD, both adjusted for taxes and risk. No conclusions. Just data.
Awaam kya kehti hai?

12-Year Performance Comparison (May 15, 2014 – May 15, 2026):
A. Nifty 50 TR Index (INR)
Post-Tax CAGR: 9.38%
Annualized Volatility: 15%
Tax & Risk-Adjusted Return: 0.617

B. Nifty 50 Index (USD)
Post-Tax CAGR: 5.11%
Annualized Volatility: 15%
Tax & Risk-Adjusted Return: 0.336

C. Bank Fixed Deposit (INR)
Post-Tax CAGR: 4.93%
Annualized Volatility: 0.25%
Tax & Risk-Adjusted Return: 19.720 ( + Return OF CAPITAL is guaranteed)

(Note: Nifty TR returns are adjusted for ~16% LTCG tax. Bank FD returns are adjusted for the 31.2% maximum marginal tax bracket. Ratios reflect post-tax CAGR divided by annualized risk -volatility.)

[Natural Philosophy @Naturalphilosy]

"Boredom: the desire for desires."

— Leo Tolstoy

[Vikas Vij @TheClubJunto]

India’s Growth Model Left Out Youth

(a) PLFS Data Released: In 70% districts, 20%+ youth not in job, not in education (b) Youth jobless rate 3X of overall rate (c) 40L engineers chasing 7L jobs (1 in 6) (d) Household burden to feed them rising.

K-Shaped Boom; Youth Job Bust

a. On 18 Sept 2026, Ministry of Statistics released the first-ever nationwide district-level PLFS data. In 70% of India’s districts, 20% or more youth (15-29) are in NEET category: Neither in Employment, nor in Education, nor in Training.

b. Worst Performers: Bihar, UP, Haryana, Punjab, and West Bengal (38% of India’s population): Two-thirds of districts in these 5 states have 25%+ NEET youth. Nationwide: 8.7 cr youth are in NEET (Total 37 cr youth: the world’s largest youth population in 2026.)

c. India’s unemployment rate is 5%; youth unemployment rate is 16% (3x). 8 out of 10 jobs are in informal sector. 19.4% of jobs are as “unpaid helpers” (helping in household enterprises.) That is 11 cr counted as “employed” without any pay.

d. 58% of unemployed youth (grads, post-grads, diploma) have been searching for work for over one year. Exactly half (28.9%) have remained unemployed for over two years. Youth graduate unemployment rate is highest in 40 yrs: SWI 2026 Data.

e. Engineering Talent: Foundit (ex-Monster dotcom) Sept 2026 report shows that 39.6 lakh active engineering candidates are chasing 6.7 lakh jobs. The study found there are 5.9 engineering candidates for every available engineering job in the country.

NYT & WSJ Reports

New York Times: 18 Aug

a. India’s college boom is leaving graduates in debt and without jobs. Families are draining their savings on private education & coaching. Education loans start accruing interest @ 10% p.a. Result for Jobless Youth: debt trap, depression, loss of self-worth.

b. India adds 1.2 cr to its working population every year. More than 60 lakh graduates every year. But India creates only 2.5 lakh new jobs a year paying more than ₹48,000 p.m. Over 40% of all college graduates under 25 are unemployed.

c. “There’s a lie that has been sold to young people: that a degree will get them a job,” NYT quotes an expert. “A national psychosis”: a ferocious competition for engineering degrees has created a private college & coaching industry, which is “monetizing youth’s desperation.”

Wall Street Journal: 14 Aug

In 2023, Jharkhand advertised for 583 govt posts for excise constable. More than 5 lakh people applied. Kundan Mehta, 25, was one of them. For the next 3 years, he studied for the exam, and also trained for the 10-km run (in 60 minutes) as part of the screening.

The night before the run, Mehta took a 5-hour train journey for the 10-km run in peak heat, sleeping in an open field. After at least 12 applicants collapsed and died during the run (possibly from the heat), the govt temporarily suspended the tests.

In April 2026, Mehta, who has a degree in computer applications, slept at the station the night before a 6-hour exam. He passed. But in July, he was informed that he hadn’t been selected for the job – his sixth failed attempt in 10 yrs to get a govt job.

ENDPIECE

India cannot build an export-competitive economy with protectionist policies for its domestic billionaires while private investment declines for 15 yrs along with zero R&D.

It’s time policymakers stop cheering India's family-owned top 1%, and ask the real question: What economic future awaits India’s youth?

@arabicatrader

[Hiroo Onoda @OnodaCapital]

The Podcast Industrial Complex will kill all of humanity. 10% chance of causing society-wide brain rot

[Prathamesh Lajurkar @prathamsPOV]

@paschals_robert @GovernorShapiro I think you have it in reverse. If people don't want it, people don't want it. It's the job of an elected official to oblige if they plan to get re-elected.

[Prathamesh Lajurkar @prathamsPOV]

@factpostnews Because they forgot to announce a deal. 🥲

[Paul Copplestone - e/postgres @kiwicopple]

who made this masterpiece ?

[Prathamesh Lajurkar @prathamsPOV]

@TheClubJunto It'd help to look beyond Nifty 50 every once in a while.

[Prathamesh Lajurkar @prathamsPOV]

@LukeGromen @awealthofcs For whatever reason, this second order analysis never earns its places in writings of this guy, Morgan housel and other popularists. To their credit - they know their audience.

[Prathamesh Lajurkar @prathamsPOV]

@riteshmjn @thevikassehgal Any particular reason he chose 2010 as the starting point?

[Prathamesh Lajurkar @prathamsPOV]

"Partnering with an American company to protect AI sovereignty."

Sometimes the jokes write themselves.

[RedboxGlobal India @REDBOXINDIA]

IBM AND SARVAM PARTNER TO ACCELERATE SOVEREIGN AI ADOPTION FOR INDIAN GOVERNMENT AND REGULATED FIRMS

[Prathamesh Lajurkar @prathamsPOV]

Iran most likely knew this, yet they played along. Why?

Optics. They didn't want to give anyone the opportunity to say "Look, these Iranians won't even engage in dialogue."

It was an extremely bold move that worked out for them.

[Afshin Rattansi @afshinrattansi]

REMINDER: J.D. Vance admitted the MoU was signed to refill global oil reserves and US weapons stocks, and then to ‘see where the hand is.’

The US knew it signed a deal on Iran’s terms, and had no intention of fulfilling it.

The MoU was used an opportunity to prepare for a resumption of the war.

[Prathamesh Lajurkar @prathamsPOV]

@abhisomayaji @REDBOXINDIA Haha, you got me!

[Prathamesh Lajurkar @prathamsPOV]

This data seems to confuse a lot of people. FII buying but index red? How?

The simple answer is buying happened beyond the indices you're tracking. Nifty 50, Sensex - negative. You're looking at these only most likely.

Nifty next 50, Midcap 150, Small Cap 250 - all positive.

[RedboxGlobal India @REDBOXINDIA]

FII/DII ACTIVITY FOR THE DAY

[Prathamesh Lajurkar @prathamsPOV]

@abhisomayaji @REDBOXINDIA This simply means that FII are selling Nifty-50 companies and are buying beyond those. Nifty next 50, midcap 150 and small cap 250 all were positive today.

[Prathamesh Lajurkar @prathamsPOV]

@InvestRepeat Never launch one scheme when you can launch two. And now you've given then idea for a third one.

[Prathamesh Lajurkar @prathamsPOV]

@zerohedge

[Prathamesh Lajurkar @prathamsPOV]

@ActusDei Future of HNI-UHNI clients? Sure. The 0.25% on a 1000 Cr assets earns enough to run a team of analsysts, RMs and ops.

Now pls do the math for 1000 clients of Rs 1 Cr each, add how many RMs and support people you'd need. The economics of fixed fee doesn't work out at scale imo.