Nishant Batra CWM® 🇮🇳

Goal is to help as many families as possible to manage their finances better

Connect with us for - Ethical, Competent and Personalized Financial Guidance

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

We guide our clients for A to Z of all money matters:

1) Assessment of current finances and life circumstances:
Every client has unique life circumstances and therefore deserves a financial plan based on his life circumstances and not thumb rules.

2) Setting the right expectations:
It is very important to explain to client how different asset classes work and why they should not consider linear returns in equity. Once the client is convinced for reasonable returns with reasonable volatility the journey becomes easier.

3) Risk Management & Avoiding Common Mistakes:
Emergency Fund and four type of insurances - term, health, critical illness and personal accident. Critical Illness and Personal accident - a lot depends on affordability and lifestyle. We also guide our clients not to commit the age old same common investing mistakes.

3) Channelizing the cash flows:
Right from budgeting to channelising the investible surplus into different financial goals through suitable investment vehicles.

4) Goal Planning:
Planning for long term goals like retirement / kid's education or be it planning for short or medium term goals. We take conservative assumptions for long term goals, always better to have more money.

5) Tax Planning:
Planning the investments through right set of investment vehicles. Modifying the salary structure, sometimes explaining the importance of NPS and all to the employer. This plays an important role in net-worth of the client, 10-20 years from now. We have now started to file the income tax return as well for our clients.

6) Credit Card Guidance:
A decent amount of discount can be earned in the form of cashback, rewards and miles, if credit cards are utilised properly. We are not CC geeks but can pass on decent knowledge to clients.

7) Realigning the existing investments as per financial plan
We advise holistically on the current investments of the client to realign them as per the financial plan.

8) Managing the behaviour of the client & Availability like no other to answer the queries and doubt
The only thing left is to protect the plan from the investor himself/herself and respond to clinets' query on the same day (generally within the same hour). We do not follow any number of hours or number of calls format. We are always available for all the clients, irrespective of the portfolio size.

If you are looking for getting your finances sorted, please DM us or email me at [email protected]

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

How does the mutual fund structure works?

SEBI regulates everything, does periodical audits and create policies to safe guard the unitholder's (read: investor's) interest.

1) Record Keeping of units - buy, sell, SIP, SWP, STP - it's done by Registrar and Transfer Agents

2) The stocks, bonds, Gold bought by the schemes - these are held by the custodians. (Custodians are generally big Bank)

3) The Asset Management Company does all the marketing, builds a team of research and fund management people - who takes decisions as per market conditions and mandate of the scheme.

4) Trustees oversee that AMC is doing everything as per the regulations and mandate of the schemes.

5) Rating Agencies like CRISIL, ICRA provides the valuation of securities - for example all the bonds are not traded everyday, but accused interest needs to be accounted for every day.

6) A team of fund accountants does the job of NAV calculation which generally needs to be published by 11 PM on AMFI Website and Mutual Fund company website.

Most Important:
Even the settlement of these purchase and sell of shares, bonds and gold is done by the custodian.

So, even if your mutual fund company decides to run away with your money. It can not. The structure is water tight.

[Sumit @sumit_nathany]

@stepbystep888 The only thing useful from currencies is how their relative values are changing over the years. That's also needs to be understood with a lot of context.

And yes, a stronger currency has absolutely nothing to with quality of life.

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

If I have to make a road map for myself to reach 100 Crore of financial assets in next 20 years, I will divide it into 5 stages

🔸Stage 1
The most difficult part is to reach the first crore
(Incomes are low, short term goals line marriage, rentals and travel have an impact on savings)
Avoid big mistakes like LIC Policies, looking for multibagger stocks and F&O trading.
Must have decent health insurance.

🔸Stage 2
The second goal is to reach the 5 Crore target.
Easier than the first target but still very hard.
Compounding has lesser role and savings play the bigger role.
(After marriage double income, career growth, bigger savings pool)

🔸Stage 3
The third goal should be reach 10 Crore.
Compounding and savings both play equal role.
High income, bonuses, RSUs/ESOPs, Return on existing investments- sweet spot. Still challenging.

🔸Stage 4
The fourth target should be to reach anywhere between 40 to 50 Crore.
Only possible - if career is shaping well.

🔸Stage 5
The fifth goal should be the 100 Crore mark.
Compounding does the heavy lifting. Not that difficult once first four targets are met.

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

@Manikually The tweet is not about the currency depreciation and the discussion going on.

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

A lot of people think, stronger currency is a reflection of better quality of life.

Guys, go check the currency conversion rate of INR to Japanese Yen

1 Yen = 0.60 INR

Yet, Japan provides much better quality of life.

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

@mjchordia 100%

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

11% CAGR and till crying, good luck sir
🙏😊

[Aditya Trivedi @itsAdityaT]

No single Sip investor has gotten rich

The advisor got rich.
The AMC got rich.
The distributor got rich.

AMFI got rich running ads with your money.

You got a PDF statement showing 11% CAGR that doesn't account for inflation, taxes or their fees.

Congrats on breaking even.

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

2-3 years down the line - a lot of people will realise what FOMO mistakes are (hint: this tweet is being generated through Artificial Intelligence without any experience of market cycles)

😊🌸

[Niraj Dugar @contliving]

Let's invert the notion that SIP investors gave exit to FIIs. What would happen if there was no SIP support -

1. FIIs would continue selling? if they sold at 26k and at 23k, why wouldn't they sell at 20 or 21k when USD / INR 2 years back was at better levels?

2. Retail investors confidence in markets shattered? Many would swear to not look back at markets ever again.

3. Markets would fall to levels that would make it attractive for FIIs to return? Why? AI stocks are still doubling overnight.

4. Where would retail money go? Fixed income products unable to beat inflation? How would it help their retirement corpus?

5. Why did FII money leave? Better fixed income yields outside, AI trade, high taxes in India. Anything to do with strength of the balance sheets in India? Probably not.

6. Assuming that no SIP and markets didn't fall and all was well. where would the SIP Money go? Real estate or consumption - leading to markets doing well? Or gold or international markets? Leading to same forex problems?

In my view, it is good that local money has been able to support the markets. Future returns will not be as high as we have seen after 2008 crash or 2020 crash but it is definitely helping retail investors stay invested for longer. Longer tenure plus low teen returns are a fine combination to generate reasonable corpus in the long run which would not happen for most retail investors otherwise.

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

The social media outrage over incidents like "Chaiyya Chaiyya" on railway platforms or Garba at airports needs a balanced view.

Yes, such behaviour reflects poor civic sense and should be called out.

But let's also remember that these are often ordinary middle-class families who have worked incredibly hard to build better lives for themselves. They deserve some respect.

Civic sense isn't something most Indians are systematically taught - in school and universities.

We learn from what we see around us every day & unfortunately, our public spaces, infrastructure, and enforcement haven't always set the best examples.

Another reality of our times is the social media attention economy. People are increasingly willing to do extreme, unusual, or attention-grabbing things for likes, views, and followers. This isn't an India-specific problem; it's a global phenomenon.

Correct the behaviour. Educate. Create awareness.

But don't look down upon people who are themselves products of the environment they grew up in and the incentives created by today's social media culture.

[Niraj Dugar @contliving]

If I were to pick between NPS, PPF, and EPF for retirement, this is how I would prioritise -

1. Go for NPS. 14% in new regime.

2. If I haven’t hit 7.5 lakhs through employer NPS, opt for 12% EPF as well.

3. PPF only if I have incremental savings above and beyond allocating to equity.

PPF pays 7.1% and does not have any tax benefit in new regime. Clearly the least priority product for me. I continue to invest because of surplus but this is how I would plan it.

[Aureva Capital @AurevaCapital]

@stepbystep888 Good framework! But India's avg savings rate is ~15-20% of income. Your rates are higher great for long-term goals. Key factors: debt, dependents, lifestyle. Example: someone earning 6-12L may save 10-15% due to loans/EMIs.

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

How much savings rate should middle class families have, classified as per income

Income 3 to 6 lakhs per annum
Savings rate should be 20%

Income 6 to 12 lakhs per annum
Savings rate should be 30%

Income 12 to 24 lakhs per annum
Savings rate should be 35%

Income 24 to 50 lakhs per annum
Savings rate should be 40%

Income 50 lakhs to 1 Crore per annum
Savings rate should be 40%

Income 1 Crore to 2 Crore per annum
Savings rate should be 50%

Income 2 Crore and more per annum
Savings rate should be 60%

This is the least savings rate one should target.

Savings depends a lot on life circumstances, e.g. someone may have support from parents vs the others who have dependent parents

[Sambhav Daga @sambhavdaga]

LTCG was 0% for years.

Promoters exploited it to their advantage.

These promoters would form a shell company & get it listed. Then, pumps the price from ₹10 to ₹100. Sell the stock and book ₹90 as “long-term capital gains.”

Pay zero tax on LTCG.

Black money becomes white. Clean, legal, untraceable.

That’s why LTCG went to 10%. Then 12.5%.
Not to hurt retail investors. To plug a laundering loophole that was hiding in plain sight.

We love blaming the government for every tax hike.

This is a problem with how our mindset/DNA works and how we want to extract everything out for ourselves without paying anything back to the government.

The government is corrupt but then, as citizens we too are.

#LTCG

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

It would be very easy to turn this video into a clickbait post / rage bait post with captions like:

"Why can't India do this?" or "This is why Japan is decades ahead."

But that misses the point.

In this video, the work being done is fairly small. The trench is hardly 2 feet deep.

Yet notice the details:

• Proper barricading around the work area
• Red blinking warning lights on the barricades
• White lighting inside the trench for visibility
• Clear focus on preventing even a small accident

This level of execution doesn't happen by accident. It comes from a combination of planning, discipline, skilled labour, safety culture, and the willingness to spend money on things that many people may consider "too small to matter."

Can India do this?

Of course, in many places we already do. But replicating it consistently across millions of projects requires far more than good intentions. It requires better budgets, stronger processes, greater accountability, and a culture that values meticulous execution.

Travelling through Japan, one thing that stands out is not the size of the projects.

It's the attention to detail in the smallest ones.

[Niraj Dugar @contliving]

1. Most clients have more than 50% allocation to real estate.

2. With emi and other financial goals, there isn't much scope for more real estate.

3. Real estate isn't as transparent transaction as a mutual fund. Better off with REITs through mutual funds.

4. Lets not talk about ticket size risk😀

What Indian investors need is a deeper REIT market making it easy for every retail investor to allocate to real estate.

[Samir Arora @Iamsamirarora]

If flows don't change the market prices why do you blame SIP flows for holding up the market?

[Nishant Batra CWM® 🇮🇳 @stepbystep888]

Hills, River, Bamboo Forest -

Cleanliness - ⭐⭐⭐⭐⭐
Urban Planning - ⭐⭐⭐⭐⭐
People - ⭐⭐⭐⭐⭐

Japan ❣️

[Sahil Kapoor @SahilKapoor]

If US, Korea, Taiwan hasn't made you understand the importance of largecaps in this unequal world, nothing will.

[Dr. Anshul Sadhale @AnshulGains]

“Because of the war your coaching business will collapse.”

It didn’t, infact did the highest business this month.

Because people don’t come to me only for diet or workout.

Chat GPT already provides you that.

They want to talk and know I have faced similar difficulties as them.

How to control cravings when on 2 hour sleep?

How to stick to diet even when you’re stressed?

How to hit the gym on low days, when nobody supports you?

That’s real coaching.

We continue to thrive and produce exceptional results.