Shriram Shivakumar

Personal Finance Professional | Follow 🤝🏻 for insights on trading, wealth management and personal growth!

[Shriram Shivakumar @SimpleWealthing]

Hi, I’m Shriram 👋

I help NRIs & HNIs grow wealth through practical financial strategies.

I tweet about wealth management, fintech tools, and NRI investing.

Follow along if you want your money to work harder than you do 💼📈

#WealthManagement #Fintech #NRI

[Shriram Shivakumar @SimpleWealthing]

Review your portfolio by exposure, equity vs debt, sectors and global linkages, not by the number of schemes you hold.

In uncertain times, clarity in allocation matters more than chasing returns.

#Investing #MutualFunds #FinancialPlanning #AssetAllocation

[Shriram Shivakumar @SimpleWealthing]

Global chaos. Oil spikes. Ongoing geopolitical tensions.
Yet most portfolios I review look the same.

In fact, I recently reviewed a portfolio with 30+ mutual fund schemes, a pattern I see more often than you’d expect.

[Shriram Shivakumar @SimpleWealthing]

Despite the number, most of it was overlapping exposure to the same markets and themes.

Diversification isn’t about the number of funds. It’s about how your money is actually allocated across risks.

[Shriram Shivakumar @SimpleWealthing]

Retail investors track NAV daily.

Experienced investors track allocation quarterly.

Action:
Check allocation drift instead of daily NAV movement.

[Shriram Shivakumar @SimpleWealthing]

Just received my AI Sashakt badge from IndiaAI Mission, MeitY, and Intel India for taking the AI Responsibility Pledge, under India AI Impact Summit 2026. You can earn one too! Visit https://t.co/xdQG8iP6rw and become a Responsible AI citizen! #AIPLEDGEINDIA

[Shriram Shivakumar @SimpleWealthing]

If your investment strategy depends on last year’s top performing fund, you don’t have a strategy.

You have hope.

Action:
Write down your asset allocation before looking at returns

[Shriram Shivakumar @SimpleWealthing]

Most Mutual Fund Distributors will lose relevance in 3 years.

Not because of regulations.
Because AI will outperform lazy advisors/distributors.

Action:
If you are a distributor, list one process you can automate this week.

[Shriram Shivakumar @SimpleWealthing]

Remember waiting days for that registered post to arrive, tracking it with bated breath?

From Sep 1, 2025, it’s all Speed Post—faster delivery, better tracking!

#IndiaPost #Nostalgia #MailMemories

[Shriram Shivakumar @SimpleWealthing]

NRIs: Planning to return to India?

Here are 3 things to fix BEFORE you move 🇮🇳
1. NRE/NRO cleanup
2. Global tax compliance
3. Investment portfolio rebalancing

Come home prepared — not panicked.
#NRI #MoneyTalks

[Shriram Shivakumar @SimpleWealthing]

SIP ≠ magic.

It’s a disciplined tool to invest regularly.

But what you invest in matters more.

A bad fund with SIP is like jogging on a broken treadmill.

You’re consistent… but going nowhere.

#PersonalFinance

[Shriram Shivakumar @SimpleWealthing]

Wealth isn't built by chasing returns.

It's built by avoiding big mistakes and compounding small wins.

Most HNIs I meet don’t need “10x” — they need “not 0.1x”.

Play defense first. #WealthWisdom

[Shriram Shivakumar @SimpleWealthing]

#Bonds #InvertedYield #USA #recession #recessionindicator

Is US heading towards a recession? Bond markets are indicating so!

Over the past 50 years, whenever the 10Y-2Y US treasury constant maturity crossed from below to above the zero percent line, it was followed by a major recession.

Examples:
1] Aug-Sep 2019: The curve crossed and it was followed by recession in 2020

2]May 2007: The curve crossed and it was followed by the infamous 2008 crash.

In Sep 2024, the curve crossed again. So, there is a high probability that we are staring at US recession soon.

[Shriram Shivakumar @SimpleWealthing]

Yes, #whatsapp is down #whatsappdown. So, please talk to people directly.

[Shriram Shivakumar @SimpleWealthing]

🔥 Current Tariff War:

Python accused of flooding global markets with open-source imports.
Rust slaps tariffs on unverified memory use.
JavaScript bans imports without CORS passports.
Swift levies 100% tax on non-Apple imports.
Go imposes no tariffs — just demands you format your code politely.

[Shriram Shivakumar @SimpleWealthing]

#ProgrammingHumor #DeveloperLife #TechSatire #Python #JavaScript #RustLang #SoftwareTrade #CORSWar #OpenSourceTariffs

If programming languages were countries, here’s how they’d handle trade—and yes, there's a full-blown tariff war happening. 💣📦

[Shriram Shivakumar @SimpleWealthing]

🧾 Trade Highlights:

Python (USA) 🇺🇸: Imports everything from everywhere (pip install world). Exports? If you know the name, you're in. Runs a huge trade deficit — but nobody questions it.
JavaScript (EU) 🇪🇺: Runs a perfect ES6-compliant trade. Export default, export named — smooth AF. But throws random CORS tariffs at honest importers.
C++ (Russia) 🇷🇺: Just launched Modules like it’s a new economic system. Still negotiating with its legacy #include debt collectors.
Go (Switzerland) 🇨🇭: Neutral, minimalist, and disciplined. Exports anything with a Capital Letter — no paperwork.
Rust (Germany) 🇩🇪: Obsessed with safety. You need a pub license, a lifetime agreement, and type clearances. Worth it, though.
Swift (China) 🇨🇳: Beautiful exports—but only if you’re inside the Apple ecosystem. Everything else is behind the Great Xcode Wall.
Ruby (Greece?) 🇬🇷: Loves open borders. Monkey patches flood the streets. Great food, risky imports.
Java (UK) 🇬🇧: Official, old-school. Doesn't "export"—just publishes classes and hopes for the best. Slapped with boilerplate tariffs.

[Shriram Shivakumar @SimpleWealthing]

Trading isn’t just about spotting opportunities—it’s also about avoiding traps.

Dead Cat Bounces are one of those traps.

Now you know what to look out for.

#Trading #StockMarket #DeadCatBounce

[Shriram Shivakumar @SimpleWealthing]

Ever heard of a "Dead Cat Bounce" in the stock market? 🐈‍⬛

It sounds morbid, I know—but it’s a real term, and it’s something every trader should understand.

Let me break it down 🧵👇

[Shriram Shivakumar @SimpleWealthing]

So how do you avoid getting trapped?

✔️ Don’t chase every bounce
✔️ Wait for confirmation (volume, reversal patterns)
✔️ Use stop losses
✔️ Stay emotionally detached

Remember: every bounce isn’t a bottom.