Happy to see so many community members learning from the group.

More happy to see people helping out each other to learn different concepts and get started on their FIRE journey.

SIR Community Group: SaveInvestRepeat.com/community

⚡️ Compounding is powerful & elusive.

Elusive because for first 7-8 years of your SIP journey, you won't even realise its power.

And powerful because after those first 7-8 years - it will feel like another person is also doing SIP for you in your portfolio.

- @InvestRepeat

For now,

Zcash (ZEC) has good technology.

Monero (XMR) has good adoption.

Value
Quality
Momentum
etc.

All of these factors have "cycles" and are mainly for "traders". You have to time the cycle to get return. 1 factor doesn't "always" work.

If you're a long-term investor, stick to broad market index funds or flexi/multi cap funds.

- @InvestRepeat

Amazon Groceries costs me less than if I buy those same exact groceries from my nearby shop.

And I'm not even calculating the travel & time cost to go pick those groceries up from the shop.

Interesting.

- @InvestRepeat

5 reasons why Index Funds are better (And "return" is NOT a reason)
https://www.saveinvestrepeat.com/index-fund-better-than-active-fund/

Donate at least 2% of your monthly income to 'effective organisations'.

And there are many effective organisations in desperate need of money.

Some are listed here HinduInitiatives.com

⚡️ PPFAS gets approval for two GIFT City Fund of Funds - S&P 500 and Nasdaq 100.

Minimum initial investment is ₹4.5 Lakh and then minimum SIP or lumpsum amount is ₹45K

Tax at fund not investor level. 42.7% if redeemed within 2 yrs, 14.95% after 2 yrs. 0% estate tax.

- @InvestRepeat

Job market is brutal in India. Please focus on increasing income & have an investment plan.

With 70L 'current' CTC & 18 years experience, savings shouldn't be depleting so fast; if finances are planned well in advance.

Also MOST IMPORTANT is - Focus on increasing income and income sources. Time is running out, you have to wake up to the brutal reality now. 🙏

Just for people who have no idea on where to start their study - I literally wrote a 14-page study material that lists 22 different practical income source ideas. Go through it today & please start executing: SaveInvestRepeat.com/income

Among the top 10 AUM Large Cap Funds

⚡️ 60% funds failed to generate even 1% alpha over Nifty 50.

⚡️ 70% funds failed to generate 2% alpha over the index.

IndexFundInsights.com

Among the top 10 AUM Flexi Cap Funds with 6 years history

⚡️ 50% funds failed to generate even 1% alpha over Nifty 500.

⚡️ 60% funds failed to generate 2% alpha over the index.

IndexFundInsights.com

Mutual Funds BUY & SELL Data:

⚡️ Today Tata and WhiteOak Mutual Fund BOUGHT Max Financial at an average price of ₹1681

Selling came from promoters.

- @InvestRepeat

Among the top 10 AUM Mid Cap Funds

⚡️ 70% funds failed to generate even 1% alpha over Nifty Midcap 150.

⚡️ 80% funds failed to generate 2% alpha over the index.

IndexFundInsights.com

PPFAS Flexi Cap Fund Cash Holding History.

- @InvestRepeat

✅ All the datasets I share on the WhatsApp channel too: https://whatsapp.com/channel/0029Va9aeRjHQbS9P2Akma2p

So all data in 1 channel will help with ease of access for everyone for studying.

Among the top 10 AUM Small Cap Funds with 6 years history

⚡️ When compared with Nifty Smallcap 250 - 70% funds generated more than 1% alpha & only 30% generated over 2% alpha.

⚡️ When compared with Nifty Midcap 150 - 70% failed to generate even 1% alpha & 80% failed to generate 2% alpha.

In the dataset, why I included a comparison of smallcap active fund with Midcap index - https://freefincal.com/small-cap-mutual-fund-beat-benchmark/

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

As usual, PPFAS and Nifty 50 index fund continue to receive new inflows.

HDFC Flexicap remains in the list like last time. Bandhan Small Cap goes in & out of this most bought list.

quant's schemes continue to get heavily dumped.

https://kuvera.in/blog/top-news-and-market-movers-this-week-21st-nov-2025/

Data on average volatility of different debt fund category. Its based on annualised last 3 years data.

Many use debt funds in their retirement bucketing strategy (Bucket 1) so pulled this data for them. Data as of 20th Nov.

- @InvestRepeat

Real Estate is the most popular washing machine in India.

Corrupt Indians are converting their black money to white with ease while pushing home prices artificially high - choking honest tax-paying middle class with EMIs.

Indian Govt should bring strict money laundering laws in Real Estate. Without massive action, in coming years people won't be able to afford homes at all.

SIR Community is now reaching 1000 members. 🎉

Probably the best online group for people trying to achieve FIRE in India.

Will increase the difficulty level to join, once the community hits 1k members: SaveInvestRepeat.com/community

Index Funds' last 4 years SIP data. So far most strategy indices have performed poorly as per risk adjusted return. Let's see what future holds.

IndexFundInsights.com