Today I learned: Despite bear market & crypto crash, Wallet of Satoshi is on track to do a record number of bitcoin (lightning) payments this month.

⚡️ They're averaging over 12,500 payments/day. That's more than 8 transactions per min just from 1 lightning payments app.

These are all real BTC payments for real usage. Interesting to see what bitcoin's lightning network can achieve next year.

(Pic Credit: Kevin Rooke)

- @InvestRepeat

Net worth is more about habits and less about money.

☀️ ₹ 🧘‍♂️

(A) Large Cap
NIFTYBEES / Navi Nifty 50 Index Fund
JUNIORBEES / ICICI Nifty Next 50 Index Fund

(B) Mid/Small Cap
MID150BEES / SBI Nifty Midcap 150 Index Fund
Quant / Canara Robeco Smallcap Fund

The younger you are the more allocation you should have to (B). As you grow older (A) should have higher % allocation in portfolio.

- @InvestRepeat

SIR isn't here to make you feel better.

SIR is here to make you be better.

Fu₹k comfort.

In the next ~10 mins, ₿itcoin will add another block to its ledger. It is doing this exact same thing continuously for the last 13 years despite multiple attacks, bad articles, bans etc.

I can't do anything to stop it.
You can't do anything to stop it.
Modi can't do anything to stop it.
Biden can't do anything to stop it.

That's a revolutionary achievement in itself. You can love it or hate it, but it will add another block full of transactions in approximately next 10 mins.

- @InvestRepeat

🕉 Hindu Routine

4AM to 8AM = Satvic Time (Sacred)
8AM to 4PM = Rajasic Time (Activity)
4PM to 8PM = Satvic Time (Sacred)
8PM to 4AM = Tamasic Time (Inactivity)

During the 'Sacred Time' you do puja, yoga, workout etc.
During 'Activity' you finish all your work & during 'Inactivity' you sleep.

This is the cheat code to become successful in health, wealth & spirituality.

- @InvestRepeat

If I had to start my investing journey today, I would have done monthly SIP (near its iNAV) in these ETFs for the next 30 years

⚡️ MON100 (Nasdaq 100)

⚡️ NIFTYBEES (Nifty 50)

⚡️ JUNIORBEES (Nifty Next 50)

⚡️ MID150BEES (Nifty Midcap 150)

- @InvestRepeat

BREAKING: SEBI has penalized DSP Nifty ETF for keeping its total expense ratio (TER) too low.

DSP wanted to keep Nifty ETF TER at 0.07% by paying some fees from their own pocket to push for more adoption. Actual TER should have been 0.16%. So SEBI has fined ₹1 lakh from trustee & AMC.

- @InvestRepeat

In the new year, opt out of Surveillance Economy and join the Sovereign Economy.

🌞 Use the following:

• Browser - Brave.com
• Search - search.brave.com
• Email - Proton.me
• Messenger - Signal.org or Telegram Secret Chat
• Notes- StandardNotes.org
• VPN - IVPN.net or Mullvad.net
• Payments- Monero (XMR)

Financial Freedom = Discipline

Nifty Next 50 Index Fund or ETF (In last 19 years)
⤷ Monthly SIP = ₹10,000
⤷ Current Value = ₹1 Crore+
⤷ CAGR (Annual Return) = 14.16%

Financial Freedom = Discipline

- @InvestRepeat

ELSS Fund is one of the most underrated investment products. Some benefits:

✅ Tax rebate under 80C
✅ Works like a Flexicap Fund
✅ 3 yrs lock-in so forces you to stay disciplined

Real wealth can be generated here while saving tax.

- @InvestRepeat

Telegram EXCLUSIVE - Sharing this only for the Telegram SIR Community.

☀️ Kings & Queens, this Weekend Learning: https://youtu.be/m0LVciwbj4o

2022 Year review

💪 Health: In my best health due to combination of yoga & targeted supplements.

💰 Wealth: Net Worth increased by 44.4%. (Net Worth is not portfolio return. It's combination of return, income etc.)

☀️ Happiness: This year I got more spiritual than ever - closest to bhagavan. Getting into regular meditation, japa & puja.

Transparency time - Dec 2022:

💸 Savings rate
Last month 17.10%
All-time average 52.04%

💰 Net Worth increased by 7%

📈 Above chart is my overall portfolio performance Vs BSE Sensex Index in last 4 years (all-time CAGR 14.3%)

Transparency time - Investing in Dec 2022:

✅ New Position:
None

🔼 Increased Position:
Nifty 50 (NIFTYBEES)
Nasdaq 100 (MON100)
Nifty Next 50 (JUNIORBEES)
Nifty Midcap 150 (MID150BEES)
Emergency Fund (Quant Liquid Fund)

🔽 Decreased Position:
None

❗️ Exited:
None

Earlier job market was about competition among people. Now job market is about competition among people + AI APIs.

So things like this will anyway increase. Manager himself is under pressure from senior manager to close deals.

Please start working on increasing 'income' and 'income sources', else slavery is guaranteed.

In case you have no idea where to start, here is a study material: SaveInvestRepeat.com/income

Tanishq's Rivaah Golden Advantage scheme has matured.

Invested: ₹1,00,000
Got: ₹1,43,000 worth of gold (& some discount in making charge)
Return: 43% (Too high due to gold's sharp rise)

In this plan they allocate gold grams per instalment, not sure if any other jeweller is providing such scheme. Most just lock-in the money.

- @InvestRepeat

Mutual Funds platform Kuvera released last week's platform data.

As usual, PPFAS, HDFC Flexi Cap & Nifty 50 index fund continue to receive new inflows.

quant's schemes continue to get heavily dumped. Motilal's Flexi Cap joins the 'most sold' list too.

https://kuvera.in/blog/top-news-and-market-movers-this-week-28th-nov-2025/

As per a study done by Whiteoak Mutual Fund - The longer you stick to a equity SIP, the higher the chance of decent return (XIRR).

- @InvestRepeat

Transparency time - Nov 2025:

💸 Savings rate
Last month 82.13%
All-time average 63.7%

💰 Net Worth increased by 0.38% MoM.

Above chart shows my total net worth when calculated in different assets or currency.

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