Suresh Hegde

AMFI Registered MF Distributor| Investment Strategist| Believer in asset allocation, not speculation| Simple Investing Advocate
Retweets are not endorsements.

[Suresh Hegde @sghegdes]

ಸ್ಮಿತವಿರಲಿ ವದನದಲಿ ಕಿವಿಗೆ ಕೇಳಿಸದಿರಲಿ ।
ಹಿತವಿರಲಿ ವಚನದಲಿ ಋತವ ಬಿಡದಿರಲಿ ।।
ಮಿತವಿರಲಿ ಮನಸಿನುದ್ವೇಗದಲಿ ಭೋಗದಲಿ ।
ಅತಿ ಬೇಡವೆಲ್ಲಿಯುಂ ಮಂಕುತಿಮ್ಮ ।।

[Suresh Hegde @sghegdes]

@Iamsamirarora Everything moves in cycles. When markets were doing well, many finfluencers mocked active funds and fund managers while aggressively promoting passive funds and the DIY approach. Now, we hardly see those narratives on social media.

[Suresh Hegde @sghegdes]

@Iamsamirarora @anuragsingh_as One can hegde Indian equities with gift city, hegde gift city with direct South Korean equity, hegde that with other equities. Finally hedge all these with PPF.

[Raghav Chadha @raghav_chadha]

𝗣𝗮𝘁𝗶𝗲𝗻𝘁 𝗗𝗼𝗺𝗲𝘀𝘁𝗶𝗰 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 must be 𝗥𝗲𝘄𝗮𝗿𝗱𝗲𝗱, 𝗻𝗼𝘁 𝗣𝗲𝗻𝗮𝗹𝗶𝘀𝗲𝗱.

I explained in Parliament how Investment in India remains heavily taxed, and why it needs to change.

[Suresh Hegde @sghegdes]

.@Iamsamirarora @ActusDei

[Suresh Hegde @sghegdes]

@ActusDei .@Iamsamirarora

[Ram Gopal Varma @RGVzoomin]

KANTAAAARRRAAA is FANTAAAASTICCCC .. All FILM MAKERS in INDIA should feel ASHAMED after seeing the UNIMAGINABLE EFFORT @Shetty_Rishab and his team put in the BGM, SOUND DESIGN, CINEMATOGRAPHY , PRODUCTION DESIGN and VFX ..Forgetting the CONTENT which is a BONUS , their EFFORT alone deserves #kantarachaoter1 to be a BLOCKBUSTER .. HATS OFF TO @HombaleFilms for uncompromisingly backing the creative team 🙏🙏🙏 and HEY @Shetty_Rishab , I can’t decide whether you are a GREATER DIRECTOR or a GREATER ACTOR 🙏🔥💪

[Narendra Modi @narendramodi]

ಶ್ರೀ ಎಸ್.ಎಲ್. ಭೈರಪ್ಪ ಅವರ ನಿಧನದೊಂದಿಗೆ, ನಮ್ಮ ಆತ್ಮಸಾಕ್ಷಿಯನ್ನು ಕದಲಿಸಿದ ಮತ್ತು ಭಾರತದ ಆತ್ಮವನ್ನು ಮುಟ್ಟಿದ ಒಬ್ಬ ಧೀಮಂತ ವ್ಯಕಿತ್ವವನ್ನು ನಾವು ಕಳೆದುಕೊಂಡಿದ್ದೇವೆ. ನಿರ್ಭೀತ ಮತ್ತು ಕಾಲಾತೀತ ಚಿಂತಕರಾಗಿದ್ದ ಅವರು, ತಮ್ಮ ಚಿಂತನಶೀಲ ಕೃತಿಗಳಿಂದ ಕನ್ನಡ ಸಾಹಿತ್ಯವನ್ನು ಶ್ರೀಮಂತಗೊಳಿಸಿದ್ದಾರೆ. ಅವರ ಬರಹಗಳು ಪೀಳಿಗೆಗಳನ್ನು ಚಿಂತಿಸಲು, ಪ್ರಶ್ನಿಸಲು ಮತ್ತು ಸಮಾಜದೊಂದಿಗೆ ಹೆಚ್ಚು ಆಳವಾಗಿ ತೊಡಗಿಸಿಕೊಳ್ಳಲು ಪ್ರೇರೇಪಿಸಿದವು.

ನಮ್ಮ ಇತಿಹಾಸ ಮತ್ತು ಸಂಸ್ಕೃತಿಯ ಬಗ್ಗೆ ಅವರ ಅಚಲವಾದ ಉತ್ಸಾಹವು ಮುಂದಿನ ದಿನಗಳಲ್ಲೂ ಜನರನ್ನು ಪ್ರೇರೇಪಿಸುತ್ತಲೇ ಇರುತ್ತದೆ. ಈ ದುಃಖದ ಸಮಯದಲ್ಲಿ ಅವರ ಕುಟುಂಬ ಮತ್ತು ಅಭಿಮಾನಿಗಳಿಗೆ ನನ್ನ ಸಂತಾಪಗಳು. ಓಂ ಶಾಂತಿ.

[Narendra Modi @narendramodi]

In the passing of Shri S.L. Bhyrappa Ji, we have lost a towering stalwart who stirred our conscience and delved deep into the soul of India. A fearless and timeless thinker, he profoundly enriched Kannada literature with his thought-provoking works. His writings inspired generations to reflect, question and engage more deeply with society.

His unwavering passion for our history and culture will continue to inspire minds for years to come. My thoughts are with his family and admirers in this sad hour. Om Shanti.

[Suresh Hegde @sghegdes]

@ShivAroor Please come to Sirsi (Uttara Kannada)

[Suresh Hegde @sghegdes]

Why complicate? A flexi-cap fund can do the job for a child’s education. But investors still crave 'special products'

#Investments

[Suresh Hegde @sghegdes]

@PORajuSingh @reliancejio @airtelindia @JioCare @DoT_India @JM_Scindia I am waiting for my refund from last 9 months. There is high chance you may not get refund.

@reliancejio will not refund.

Never trust @reliancegroup

[Suresh Hegde @sghegdes]

@JioCare Hi, I have sent a DM with all the details however I don't have any hope that the issue will be resolved. Its pending from last 8 months.

Going further I don't trust anything associated with Reliance.

@JioCare @reliancejio @reliancegroup @RIL_Updates @ril_foundation

[Suresh Hegde @sghegdes]

How Reliance Jio Defrauded Me...

#JioAirFiber @reliancejio @JioCare

[Suresh Hegde @sghegdes]

@b50 Reliance Jio

[Suresh Hegde @sghegdes]

@sandipsabharwal I know a senior citizen who avoids anything with the name 'Reliance' in it or related to it. Some brand impressions last a lifetime.

[Niranjan Avasthi @avasthiniranjan]

"Low Expense = High Returns" is a myth in active equity funds.

A widely held belief among investors is that lower expense ratios automatically translate to higher returns in equity mutual funds. While this may hold true if all other factors remain constant (like in passive funds) the reality in active equity funds is much more nuanced.

In these funds, where fund managers actively select stocks to generate alpha, the expense ratio, often a small percentage compared to the overall returns, does not significantly impact performance.

What Does the Data Show?

An analysis of all active equity funds over the last three years reveals that lower expense ratios have not consistently resulted in higher returns. In fact, there is no clear correlation between expense ratios and fund performance across categories.

Key points from the Data:

Largecap Funds:

Funds with a mid-range expense ratio (2.00–2.25%) delivered the highest average 3-year return (20.27%), outperforming even the lowest expense group (<1.75%) at 20.02%.

Flexicap Funds:

The highest average return (24.21%) was seen in the 2.00–2.25% expense bracket, not the lowest. Funds with expenses below 1.75% returned 21.28%.

Multi-cap Funds:

Here, the lowest expense group (<1.75%) did outperform others with a 29.91% return, but the highest expense group (>2.25%) also did well at 25.30%, showing no linear relationship.

Large & Midcap, Midcap, and Smallcap Funds:

In these categories, higher expense ratios often coincided with strong returns. For instance, in the midcap category, funds with expenses between 1.75–2.00% had the highest average return (27.71%), surpassing even the lowest expense group.

To Conclude…

The data makes it clear: there is no consistent pattern linking lower expenses to higher returns in active equity funds.

In several instances, funds with higher expense ratios have outperformed their lower-expense peers. This challenges the common notion that "lower expense = higher returns."

When evaluating active funds, it's crucial to look beyond just the expense ratio and consider the fund manager's skill, investment strategy, and alpha generating ability.

So next time someone claims that lower expenses guarantee higher returns, remember that the numbers tell a different story.

[Radhika Gupta @iRadhikaGupta]

For a long time we @EdelweissMF have had a campaign - Advice Zaroori Hai - because we believe handholding is necessary in any ones financial journey. This data proves why - yet again.

Incidentally one thing direct platforms and media and our entire ecosystem can to do create better investors, longer holding periods and a better shot at wealth creation... is stop the obsession with showing last 1 year returns. This statistic is very influential and not in a good way. It creates unrealistic expectations of returns and a perennial pointless search for the best performing fund. Talk and educate about rolling returns and if customers have to sort funds, let it be by 5 year rolling returns (not that sorting is a great idea!). We do this on our website, because we believe better education makes better investors and that job starts with us.

[Suresh Hegde @sghegdes]

@BeePatte @reliancejio @JioCare Its surprising to see the business practice of this big corporations. Never thought they will fail to refund the amount.

I have raised another complaint with consumer grievance portal. Lets see..

@JioCare @reliancejio @jagograhakjago @JoshiPralhad

[Suresh Hegde @sghegdes]

@jagograhakjago

[Suresh Hegde @sghegdes]

How Reliance Jio Defrauded Me...

#JioAirFiber @reliancejio @JioCare

[Suresh Hegde @sghegdes]

@rao_dyc @jagograhakjago I have tried raising complaint with Department of consumer affairs. I will raise one more complaint now.