Save Invest Repeat
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Financial Freedom | Stock Market | Mutual Funds | Crypto | Creating Sovereign Individuals
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⚡️ Google One
200 GB = ₹2,100
2TB = ₹6,500

⚡️ Zoho Zillum
500 GB = ₹2,520
2TB = ₹5,040

Zillum.com stores data inside India on servers (hardware) owned by Zoho themselves. And as per them, they don't train AI models with user data.

For family cloud storage, Zillum appears to be much more cost-effective than Google Photos (One).
Created this open source study material for people interested in improving health: SaveInvestRepeat.com/health

This will keep getting updated as more data comes in.
Today's Mutual Funds BUY & SELL Data:

⚡️ Following mutual funds BOUGHT Whirlpool at an average price of ₹1041
HDFC
Kotak Mahindra
Franklin Templeton

⚡️ Following mutual funds BOUGHT MTAR Technologies at an average price of ₹2444
Bajaj Finserv
Motilal Oswal

Selling came from promoters for both stocks.
Index Funds' last 10 years SIP data as of Nov 26th.

IndexFundInsights.com
It would be interesting if we had a GIFT City World Index Fund of Fund tracking something like VT or ACWI ETF.
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.

More discussion inside SaveInvestRepeat.com/community
You have just received your salary.

Don't forget:
⚡️ Save 'minimum' 30-40% of it.
⚡️ Don't leave all of it in Savings account or FD.
⚡️ Invest in yourself first (Courses, Study Materials, gym etc.)
⚡️ Invest most of that savings as per your asset allocation in index funds, gold, bitcoin.
quant Mutual Fund has shared its monthly note to unit holders.

⤷ Indian Rupee (USDINR) will soon reverse course.
⤷ Sell flow from FPIs is getting exhausted.
⤷ Sept quarter marks bottoming out of the earnings cycle.
⤷ Despite a degree of frustration among the investor base, we remain positive (on Indian market)

https://quantmutual.com/Admin/Factsheet/quant_Factsheet_December_2025.pdf
From the above 2 page note, 5 calls by quant Mutual Fund.

- @InvestRepeat
INR compared to USD

1983 = 10
2025 = 90

So INR has devalued at approx 5.37% CAGR for the last 4 decades.

- @InvestRepeat
History of India's fiat currency $INR, compared to US Dollar

1983 = 10
⌛️ 8 years

1991 = 20
⌛️ 2 years

1993 = 30
⌛️ 5 years

1998 = 40
⌛️ 10 years

2008 = 50
⌛️ 5 years

2013 = 60
⌛️ 5 years

2018 = 70
⌛️ 4 years

2022 = 80
⌛️ 3 years

2025 = 90
Mutual Funds that have applied for Meesho IPO

SBI
UTI
Axis
Tata
HSBC
Bandhan
Whiteoak
Mirae Asset
Invesco India
Franklin India
Motilal Oswal
Canara Robeco
Aditya Birla Sun Life
Edelweiss & Altiva SIF

- @InvestRepeat
Top 5 mutual funds with highest % of anchor investor portion in Meesho IPO:

1. SBI Balanced Advantage Fund: 8.4%

2. SBI Focused Fund: 7.58%

3. SBI Innovative Opportunities Fund: 5.33%

4. SBI Consumption Opportunities Fund: 2.05%

5. Aditya Birla Consumption Fund: 1.46%

- @InvestRepeat
Some make the mistake of setting up an auto-SIP & leaving it for years.

If you set up ₹100 SIP this year.
Next year, inflation-adjusted you're only investing ₹94 per month.

So actually with each passing year, you're investing lesser than the last year even if the INR amount showing up on the app screen says ₹100 SIP.

Make sure to increase your SIP amount each year. "Step-up SIP" is way more important than SIP.

IndexFundInsights.com
GIFT City fund's minimum first investment, minimum SIP (top up) amount are in USD.

Which means these amounts for investors will keep increasing as INR continues to fall.
It’s near to impossible for me to reply to 𝕏 DMs at this point.

I already have 100s of unread messages. Now 100s of bot messages on top of it.

I have switched on the “Message from Verified Users” just now to keep the DMs sane. Still lot of backlog.

Best is - you can ping inside SIR Community, I am very active there: SaveInvestRepeat.com/community