sandeep singh

IRS- 2015 | UPSC AIR- 463|

[Trading With Logic @Tradewith_kd]

If a Hindu man dies in India without making a will, who inherits his property?

Bookmark this post🔖 it may help you

1️⃣ First Priority → Immediate Family
Immediate family includes:
• Wife
• Son
• Daughter
• Mother
• Children of a deceased son or daughter

👉 If any immediate family exists, no one else inherits anything.
👉 Gender doesn’t matter — sons and daughters get equal share.

Example:
If a man leaves behind a wife, two sons and one daughter →
Total heirs = 4
Each gets 25% share.

2️⃣ Second Priority → Other Relatives
Includes:
• Father
• Brother
• Sister

👉 These relatives inherit one by one, not together.
👉 Think in rows — check row 1 first.
If even one person exists, other rows are skipped.

Example:
If father is alive →
Father gets 100% property.
Brother & sister get nothing.

If father is not alive →
Brother and sister share equally.

3️⃣ Third Priority → Agnates (Male Relatives)
Agnates = only male blood relatives (excluding immediate & close relatives).

Examples:
• Father’s brother
• Father’s brother’s son

👉 Property goes to the closest agnate (degree counting applies).

Degree rule example:
Father’s brother = 3 degrees
Father’s brother’s son = 4 degrees

👉 Entire property goes to the closest agnate.

4️⃣ Fourth Priority → Other Relatives
Relatives from both male and female sides, like:
• Mother’s brother
• Mother’s sister’s son

👉 Closest relative inherits.

If no close or male relatives exist:
👉 Property goes to the Government.

⚠️ Important Note:
Making a will avoids all this confusion.
Always make a will. Save your family from disputes.

[sandeep singh @singhsandeep617]

@Tradewith_kd Start early retire early 👌

[sandeep singh @singhsandeep617]

@Tradewith_kd True🔥🔥

[Trading With Logic @Tradewith_kd]

1 crore today buys a house.

1 crore in 20 years buys a car.

1 crore in 40 years buys a sofa.

At 7% inflation, your wealth shrinks faster than you think.

Invest in assets that grow faster than inflation.
Your future depends on it.

Most people think ₹1 crore is a lot of…

[Trading With Logic @Tradewith_kd]

INDIA–EU DEAL COULD CRASH
LUXURY CAR PRICES🔥🔥👇

EUROPEAN LUXURY CARS MAY BECOME
40–60% CHEAPER 😱

BMW, MERCEDES & PORSCHE
COULD SOON BE AFFORDABLE!

Luxury Car | Old Price | New Price | You Save
•BMW 3 Series
Old Price: ₹70 Lakh
New Price: ₹50 Lakh
You Save: ₹20 Lakh

•Mercedes E-Class
Old Price: ₹85 Lakh
New Price: ₹60 Lakh
You Save: ₹25 Lakh

•Audi A4
Old Price: ₹60 Lakh
New Price: ₹43 Lakh
You Save: ₹17 Lakh

•Porsche 911
Old Price: ₹2.0 Crore
New Price: ₹1.5 Crore
You Save: ₹50 Lakh

•BMW X5
Old Price: ₹1.25 Crore
New Price: ₹85 Lakh
You Save: ₹40 Lakh

•Mercedes S-Class
Old Price: ₹2.0 Crore
New Price: ₹1.4 Crore
You Save: ₹60 Lakh

India may slash EU car import duties from 100%

[Trading With Logic @Tradewith_kd]

He didn’t chase big money❌. He built systems🔥🔥👇
•SIP for future
•SWP for cash-flow
•Property for inflation hedge
•Debt for emergency buffer
•Business for growth

7 years later:
He didn’t get rich overnight →
He got rich forever.

Moral:
Don’t buy wealth.
Build systems that →
manufacture wealth daily.

Wealth isn’t chased, it’s engineered …

[Trading With Logic @Tradewith_kd]

INDIA POWER SECTOR BOOM 🔥
$500 Billion Investment Opportunity in Next 7 Years

Bookmark it🔖

STOCKS TO BENEFIT
1. NTPC – Renewable + thermal expansion

2. Power Grid Corp – Transmission capex leader

3. Tata Power – Renewables, EV and distribution

4. Adani Energy Solutions – Grid and transmission

5. JSW Energy – Green + storage push

6. NHPC – Hydro and green energy growth

7. KEC International – Power EPC and transmission

8. CG Power – Transformers & grid equipment

9. REC Ltd – Power sector financing & infrastructure lending

10. PFC (Power Finance Corp) – Backbone funding for power & renewable projects

11. Siemens India – Smart grids, electrification & automation

12. ABB India – Power equipment, grid automation & EV charging infra

13. Hitachi Energy India – HVDC, transformers & transmission tech

[Trading With Logic @Tradewith_kd]

Retirement Planning for IT couple , Husband age 32 wife 28.

Can they retire at 50 ?🔥🔥👇

He earns 1.5 lacs p.m
She earns 90k p.m

Household exp: 75k p.m
Home loan EMI: 75k p.m

Saves: 90k p.m
EPF investment: 30 lacs (8%)

Current Age: 32
Expected Retirement Age: 50
Life Expectancy: 85
Current Annual Expenses: 12,00,000
Current Inflation: 7%

Expected Pre Retirement Rate of Return: 12%
Expected Returns on Retirement Corpus: 11%
Expected Annual Increase in Yearly Income: 8%
Existing Investment (if any): 30,00,000

Retirement Years: 35
Number of Years Left for Retirement: 18
Appreciation in Existing Investment: 1,19,88,058
Expenses in First Year of Retirement: 35,42,596

Retirement Corpus Required: 8,70,98,168
Lumpsum Funding: 97,67,288
Monthly SIP Required: 1,06,533
Step-up SIP (8% step-up): 53,410

[Trading With Logic @Tradewith_kd]

How Smart People Invest Rs. 1,00,000/- Every Month

Bookmark it🔖

Mutual Funds👇

•Two Mutual Funds with International Exposure
•One Large Cap MF
•One Mid Cap MF
•One Small Cap MF
•One Flexi Cap MF

Allocation of Stocks✅
•IT Sector
•Auto Ancillary Sector
•Defense Sector
•Pharma Sector
•Capital Goods Sector
•Agro Chemical Sector
•Banking Sector

Allocation for Emergency Funds✅
•Home Loan EMI / Rent
•Car Loan EMI
•Child Education Fees
•Household Fixed Expenditure
•Health & Term Insurance Premium

Retirement Funds✅
•PPF and NPS (Long term)
•Saving the taxes as per the tax regime (Old / New)

Gold and Silver🔥
•For hedging the portfolio against geopolitical issues, market risks, etc.
•Reduces loss
•Decreases volatility

Allocation of Funds (₹1,00,000)
•Mutual Funds – Rs. 50,000/-
•Stocks – Rs. 20,000/-
•Emergency Fund – Rs. 10,000/-
•Gold & Silver – Rs. 10,000/-
•Retirement Funds – Rs. 10,000/-

Total – Rs. 1,00,000/-

[Trading With Logic @Tradewith_kd]

ARE YOU READDY FOR 6 BIG IPOs IN 2026?
(Approximate market cap during listing)

JIO
₹15 Lakh Crore

FLIPKART
₹6 Lakh Crore

NSE
₹5 Lakh Crore

PHONE PE
₹1.25 Lakh Crore

SBI MF
₹1.15 Lakh Crore

HALDIRAM’S
₹80,000 Crore

[Trading With Logic @Tradewith_kd]

₹10,0000 Invested for 1 Year (Metals)🔥🔥🔥

What magic did ₹1,00,000 do in 1 year?

If you had invested ₹1,00,000 in metals, today the value would be:

Silver → ₹3,33,180 (+233.18%)
Platinum → ₹2,85,780 (+185.78%)
Gold → ₹1,88,070 (+88.07%)
Copper → ₹1,58,000 (+58%)
Aluminium → ₹1,21,550 (+21.55%)

What’s the learning?
All metals don’t perform the same
Right asset selection = higher returns
Diversification is very important

More important than what you invest in is when and how much you invest.

[sandeep singh @singhsandeep617]

@TheTradingwolf0 Girlfriend 😂😂

[Trading With Logic @Tradewith_kd]

Don’t buy expensive House ?❌‼️👇

Do the Simple Calculation before buying Residential

Calculation👇👇

Home loan Rate – Rental Yield of that Area

Home Loan Rate – 8.75%
Rental – Rs. 20,000/-
Property Price – 01 Crore

Rental yield =
(20,000 × 12 ÷ 01 Crore) × 100 = 2.4%

Home loan Rate – Rental Yield of that Area
= 8.75% – 2.4% = 6.35%

If this figure is less than 04% → Cheap
If this figure is more than 06% → Expensive

[Trading With Logic @Tradewith_kd]

IT bachelors pay ₹200–250 for Swiggy dinner daily but want home food.
He delivers Mom-style dinner tiffin at ₹4,500/month (₹150/day).
680 subscribers across Bangalore IT corridors.
Monthly revenue: ₹30.6L.
Kitchen + packaging: ₹12L.
Delivery team: ₹4.8L.
Profit: ₹13.8L/month.
Quality over quantity. Premium pricing, home-cooked positioning.
Bachelor crowd has money, zero cooking skills. Perfect target market.

Moral:🔥🔥👇
“Swiggy fatigue is real. Home food emotion + convenience = premium pricing power.”