Riddham Jain

[Vijay Kedia @VijayKedia1]

Understanding Financial Asset Rotation (Part 1).

A Timeless Lesson for Every Investor.

Financial assets don't move in a straight line. They move in rotation.

Opportunity > Optimism > Narrative > Euphoria > Correction > New Opportunity .

The asset class changes.
The narrative changes.
The cycle changes.
But the pattern remains the same.

The post-COVID period (2020 - 2026) has perhaps been the clearest demonstration of this timeless pattern.

Like many global equity markets, the Indian equity market also recovered strongly after COVID. Between 2021 and September 2024, however, it emerged as one of the world's best-performing major markets, with countless stocks turning into multibaggers.

The narrative -India being the world's fastest-growing major economy -was true. But as valuations became richer, optimism gradually turned into euphoria, and investors needed to moderate their return expectations.

Market leadership then began to rotate.

Real estate gathered momentum.

Crypto became the next market darling. Narratives such as digital gold, institutional adoption and a new financial system dominated conversations. Retail participation surged. Optimism turned into euphoria before volatility reminded everyone that no trend lasts forever.

Gold then rallied , reinforcing its status as the preferred safe haven asset. Silver followed with even greater intensity. Narratives around AI, solar energy and electrification became increasingly popular. The themes were genuine, but eventually the narrative became larger than the valuation. Euphoria was followed by a sharp correction.

Industrial metals such as copper, aluminium and zinc became the next favourites. Electrification, infrastructure, energy transition and AI-driven demand became the dominant themes. Once again, optimism grew, valuations expanded, and these markets have now started softening.

The AI revolution then created another powerful wave. Technology leaders, semiconductor companies and markets closely linked to that ecosystem -particularly the US, Taiwan and Korea - became the new favourites.
This leadership too will eventually rotate .

Different asset classes. Different narratives. Different cycles. Same pattern. Different outcome for investors.

A good opportunity creates optimism. Optimism creates a narrative.
The narrative attracts more participants. Participation fuels euphoria.
Euphoria is followed by correction. And every correction quietly creates a new opportunity.

[Chay @i_am_chayyy]

Anyone from Bangalore who works from cafés regularly?

Looking for cafés with:

• Fast WiFi
• Plug points

Drop your favorites below ☕️ 💻

[Swati Gupta @hrswatigupta]

Rule #2: The Exact Email Script

Send this to the bank's fraud department and copy the dispute team:

"On [Date], I identified unauthorized transactions totaling $[Amount] on my card ending in [XXXX]. These were not authorized by me and occurred in [Location], where I was not present. Under the Visa/Mastercard Zero Liability policy, I am requesting an immediate provisional credit. Please confirm receipt and provide a reference number within 24 hours."

Email creates a timestamp. Phone calls create nothing.

[Swati Gupta @hrswatigupta]

Rule #1: Never Accept the Bank's Timeline. Cite the Network's Rule.

Visa, Mastercard, and Amex all publish zero-liability policies. Unauthorized transactions are not your problem. The bank must credit your account provisionally while they investigate.

When the agent says "90 days," reply:

"I am requesting a provisional credit under the Visa/Mastercard zero-liability policy, not the bank's internal timeline."

That sentence changes your ticket from "Fraud Investigation" to "Network Compliance."

[Ankit Dewan @ankitdewan]

https://t.co/dR41OaOQUh

[AKSHAT @akshat_money]

Axis Magnus Burgundy : The Ultimate 2026 Thread🧵

Covers:
❤️Full earn structure
❤️A to Z of transfer partners
❤️10+ tips
❤️Who should take this card

Mega🧵

Bookmark. You will need it later🔖

Follow @akshat_money for real analysis on credit cards. No fluff
#ccgeeks

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[Riddham Jain @riddhamjain]

@creditkeeda Very well explained, thanks! Very helpful
How to pay rent via MB cc ?

[Creditkeeda @creditkeeda]

Magnus Burgundy is one of those cards where neither the headline reward rate nor the annual fee tells the full story.

The real value comes from understanding the AEP cycle and timing large spends accordingly. Travel, rent, education, gift cards, forex, and even regular spends can become significantly more rewarding when planned around AEP months.

Calculator + full review 👇

https://t.co/5L2GSY8tAE

https://t.co/5IeJGtmaeN

#ccgeek #ccgeeks #ck

[Creditkeeda @creditkeeda]

✈️ Travel EDGE
Up to 24% return (60 RP per ₹200 up to ₹2L/month, 14% beyond that)
Arguably the best rewards rate available for flight bookings, though some premium cards can offer better value on hotel bookings.

🛍️ Grab Deals
Up to 24% return (60 RP per ₹200)
The accelerated component is capped at 5,000 RP per month, which works out to roughly ₹16,800 of spend. Beyond that, transactions continue to earn base rewards.

💳 Regular eligible spends
• 4.8% return up to ₹1.5L/month • 14% return beyond ₹1.5L/month
Among the most rewarding rates for high-spend cardholders.

🏠 Rent
Earns rewards at regular rates on up to ₹50,000 per month. A rare benefit, as most cards either exclude rent payments or offer reduced rewards. Rent spends are also counted towards the first ₹1.5L monthly spend threshold, helping unlock the accelerated 14% reward rate on spends beyond that point.

🎓 Education
Earns rewards at regular rates with no specific cap.
Education expenses can be a major spending category for many families, making this a meaningful benefit.

🌍 Forex Transactions
Forex markup is 2% + GST.
However, international spends earn rewards at the same rates as regular spends:
• 4.8% net return up to ₹1.5L monthly spend threshold
• 14% net return beyond ₹1.5L monthly spend threshold
Even after accounting for forex charges, Magnus Burgundy remains one of the few premium cards that can generate a positive net return on international spending, especially for cardholders regularly crossing the ₹1.5L monthly threshold.

🎁 Gift Cards
Earn rewards at regular rates.
This is where the card becomes especially interesting, as many categories that typically earn low or no rewards, such as insurance, utilities, and even gold purchases, can often be routed through gift cards.

[Vikram @Vikram10729557]

Divided by species United by problem 😂

[Leni @Leni1680234]

Japan somehow finds a way to save space in everything, even doors 😱😱😱

[Riddham Jain @riddhamjain]

@pk037 Thank you

[Riddham Jain @riddhamjain]

@pk037 - how much does M4B RM negotiate on forex charges? Any number - how much lower than the quoted rate of exchange? Saw your video on Interactive brokers

[Sangeetha @Sangeeta_cbe]

South or North? 🤩 Mundu drape variation from Kerala and Chaadra drape from Punjab

[Kshitija Sarda @kshitija_sarda]

Leh-Ladakh is not a vacation. It’s an adventure.

We went from 12th to 21st May, and here’s the real version of what you should know before planning it.

[Amit sehra @darsan44562]

5kg चूना+1kg सफेद सीमेंट+1/2kg फेविकोल+250ग्राम जिंक+100 ग्राम फिटकरी

सबको बाल्टी में अच्छे से घोलकर छत का पेंट करें और घर में लाएं बिना कूलर, AC के ठंडक..!

ऐसा करने से आपके घर का तापमान 45° सेल्सियस से 30° सेल्सियस पर आ जायेगा।

इसके लिए आपकों इस वीडियो दिखाए गए कार्य का अनुसरण करना है जिससे आपको गर्मी से काफ़ी राहत मिलेगी।

[DINESH K SEN @dks_230]

"लोग AC पर 20-30 हजार खर्च कर रहे हैं...
ये भाईसाहब ने छत पर जो किया, उससे 15 डिग्री ठंडक फ्री में!😱

[Do Baniye - Credit Cards, Travel & Lifestyle @DoBaniye]

Bengaluru:

1. Pizza 4Ps - Burrata salad pizza (made it to the list even this year!)

2. 23rd Street Pizza - New York style pizza, Soft serve, Soju picante (cocktail)

3. Muro - Pomelo chicken salad, Cocktails (Dirty Martini, Bloody Good Mary, Espresso Martini)

4. Lupa - Salmon piccata, Tiramisu

5. Foo - Blue rice, Thai curry, Hakka noodles, Lotus stem fries

6. Kuuraku - Ramen, Gyoza, Sake, Annin tofu with mango sauce, Matcha ice cream

7. Lavonne Cafe - Everything and the vibes! (A forever fav! Not visiting this cafe during X’mas feels criminal!)

8. Portland Cafe - Mulled wine (Best in BLR so far!)

[Farzam Hejazi @FarzamHejazi]

Tired of doing the same boring LinkedIn job search, connection requests, and referral requests every day?

I was too, so I built a Claude code plugin that handles it for me. In 3 months it helped me send 200 applications, get 70+ referrals, land 20 interviews and 6 offers, and a great new role at @Snowflake .

It pairs a simple job tracker with @claudeai code Desktop and the Claude Chrome extension to help:

• Finds and ranks new jobs daily
• Flags referral-needed companies
• Tracks applications, referrals, deadlines, and priorities
• Drafts and sends referral DMs from your resume
• Guides LinkedIn outreach without spreadsheet chaos

The goal is simple:

Spend less time doing repetitive LinkedIn tasks.
Spend more time preparing, interviewing, and talking to the right people.

Repo: https://t.co/3OkUhRbqWa

Want the plugin that automates the entire application flow, including submission?
Comment "CLAUDE" and I'll DM it to you.