Pratik

[Pratik @pratik9999]

@ActusDei @livemint @amrendra_86 @JoseyJohn @deeptibhaskaran Mint

[Yash shah @yosh1494]

Protect First. Invest Next.

In investing, it is easy to focus on market returns, portfolio growth, and the next big opportunity.
At Prayash, however, our first priority is not returns — it is your financial resilience.
The world is changing rapidly. AI-driven disruption, evolving job markets, business uncertainty, and rising healthcare costs have made financial security more important than ever. In India, a single medical emergency can significantly impact even financially disciplined families.
That is why our philosophy is simple:
Protect First. Invest Next.
Before committing meaningful capital to the markets, we strongly believe every family should build two essential pillars of financial security:
✅ Adequate Health & Term Insurance
So that a medical emergency or unforeseen life event never forces you to compromise your long-term financial goals or liquidate investments.
✅ 6-Month Emergency Reserve
A liquid contingency fund that acts as a buffer against job loss, business slowdown, or unexpected expenses.
Once this foundation is in place, we can pursue wealth creation with greater confidence, discipline, and peace of mind — knowing that your family’s financial future remains protected irrespective of market or life uncertainties.
If you haven’t reviewed your insurance coverage or emergency corpus recently, let’s connect and strengthen your financial foundation.

[Yash shah @yosh1494]

*Bengal Election Win.. Sentiment booster for Markets*

*- A Historic Political Shift*
BJP has won West Bengal for the first time ever, ending TMC's 15-year rule under Mamata Banerjee. The NDA alliance now governs 20 out of 28 states — an unprecedented political footprint across India.

- *West Bengal contributes ~6.15% to India's GDP and is the country's 6th largest state economy* . Historically seen as investor-unfriendly, *a new government could unlock major investment in manufacturing, logistics, and infrastructure in eastern India.*

- *Faster Policy Execution*
With Centre and state now politically aligned across 20 states, flagship schemes like PM Gati Shakti, PLI, and housing infrastructure should see quicker on-ground execution — a direct positive for sectors like cement, steel, power, and real estate.

- *The next major state election (Uttar Pradesh) is only in early 2027.* This gives the Modi government a clear, distraction-free window to focus entirely on economic growth, fiscal policy, trade deals, and governance. Markets have historically performed well in such politically stable periods.

-Investor Sentiment Gets a Boost..
Political stability at Centre + state level is a strong signal for both domestic and foreign investors. Capital flows into eastern India could accelerate, benefiting infrastructure, logistics, and real estate plays over the medium term.

Near term, markets may remain volatile and driven by Middle East geopolitical developments... However, over the medium term, BJP's Bengal win strengthens India's political stability, improves policy execution, and reinforces the long-term India growth story.

[Yash shah @yosh1494]

The Key challenge facing Indian Markets -
Above image shows how the global AI boom is driving massive gains for US markets (specifically US stocks exposed to AI) while causing Indian stocks to fall behind. Indian markets are underperforming because investors are moving their money away from traditional IT services (like TCS, Infy, HCL Tech) and toward high-growth AI technology in the US.

Result is the massive outperformance of US tech stocks!

#mutualfunds #investing #sip
#prayash

[Yash shah @yosh1494]

Why the Strait of Hormuz Remains the World’s Most Dangerous Chokepoint.

We have shared this article with our clients please read and let us know your views. Always up for a healthy discussion

The Strait of Hormuz - The World’s Most Critical Energy Chokepoint
https://t.co/VxhIsbeqOa

[Yash shah @yosh1494]

https://t.co/5KPCDvPQF8

[Pratik @pratik9999]

@airtelindia there has been an internet disruption since more than 24 hours now in Kandivali West Mumbai Area. Have raised complaints multiple time, all I get is automated replies. When can I expect services to resume?

[Pratik @pratik9999]

@sidcoins @ETPrime_com @nikhilt

[Pratik @pratik9999]

@marginalideas @hardlyavailable that is correct, Goldbees is backed by physical gold. Personally never invested in Goldbees, so you need to check correlation with INR gold prices if this is a good invt.

[Pratik @pratik9999]

@airindiain What about starting flights between India and UAE???? When can we expect?

[Pratik @pratik9999]

@Random_Gyan @dmuthuk @contrarianEPS @ayushmitt @unseenvalue @abhymurarka @hardlyavailable @nikhilt

[Pratik @pratik9999]

@michaelbatnick @morganhousel @hardlyavailable @nikhilt

[Pratik @pratik9999]

@nikhilt @hardlyavailable super super thread!

[Hardik @hardlyavailable]

Very insightful!

[Pratik @pratik9999]

@VallumConnect @hardlyavailable @nikhilt @leo__regulus Do read this..good perspective.

[Pratik @pratik9999]

@hardlyavailable @nikhilt @RushilDedhia Superb! why dint Dhoni think about this 😀

[Nilesh Shah @NileshShah68]

Nani Palkhiwala at the AGM in 1997
"I look upon those fifty years as lost decades. At the end of 50 years we are nowhere near the other asian countries which started with us at the same level and are today ahead of us economically and politically"
.....2....

[Pratik @pratik9999]

@kalrasam @TargetInvesting @hardlyavailable

[Basant Maheshwari @BMTheEquityDesk]

Indians like to protest against things that doesn’t affect them. Never seen anyone protest against economy,poverty & unemployment?That’s why no ‘Neta’ cares about our financial well being. Ironically, the instigators are super rich the followers stupid & unemployed. #CAASupport

[Hardik @hardlyavailable]

Everything you could do wrong in lending
1) Only Wholesale lending book, only 34 exposures in total~ heavily concentrated.
2) Only one sector - real estate lending.
3) Lend to only heavily banked groups
4) 5 exposures can erode your networth, highest exposure ~22% of networth