Turns out Sankaran Naren's majority of personal net worth is in ICICI Prudential "Passive" Multi-Asset FoF - ₹153 Crore to be precise.

So CIO of one of the largest AMCs of India with decades of market experience, actually invests in index funds (just keeps rotating sectors within the FoF).

This is despite ICICI having an actively managed Multi Asset Fund.

The lesson is there.

IndexFundInsights.com

🇮🇳 Indian Marriage System

Laws in favour of Husband

Laws in favour of Wife
+ 498A
+ HAMA
+ Dowry Act
+ Section 25 Alimony
+ Domestic Violence Act
+ Section 24 Maintenance
+ Section 377 Unnatural Sex
+ Section 125CrPC Maintenance
+ Now Marital Rαpε

"Men & Women are equal" 🤡

Two main factors to achieve financial freedom

1. High Income
2. Decent Inheritance

If you're planning for FIRE, you need to have at least one of the above two.

SaveInvestRepeat.com/income

✅ 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.

"Look how much this lifeboat (bitcoin) wobbles. So unstable.

The main ship (fiat) is flooded with water but it wobbles much less. The captain claims it's sinking by 5.37% a year, but it's more stable!"

SaveInvestRepeat.com/bitcoin

Probably the only folks who can FIRE with just salary are tech folks, especially these FAANG & Big4 tech employees.

Not all, but majority of other sectors' employees won't be able to do ₹1 lakh+ SIP each month after family expenses. (Excluding some unique cases)

They need more income sources.

SaveInvestRepeat.com/income

Holding too much cash (₹, $) in a bank account is extremely risky since August 15, 1971.

Some learned this the hard way. And others will learn it in the future as they refuse to learn from others' losses/mistakes.

Not all debt is 'good debt'. Roughly speaking,

🏦 Home loan @ 8% = Doubles debt in 9 years.

💳 Credit card interest @ 36% = Doubles debt in 2 years.

Credit cards should only be used by people who don't need them. Paying the pending amount on time is super important.

- @InvestRepeat

Final call for 2025: Join India's best FIRE community.

Inside the group, everyone chasing financial freedom while helping others in the process. Doing this alone is difficult & boring, that's why this group: SaveInvestRepeat.com/community

Physical gold in personal custody is very different from Gold ETFs.

Bitcoin stored in a self-custodial wallet is very different from Bitcoin ETFs, or BTC held in an exchange.

Few understand these.

Most of Indian middle-class have:

Car Loan: ₹8-12 lakh
Wedding: ₹15-20 lakh
Home Loan: ₹40-60 lakh
Education Loan: ₹10-20 lakh
Other EMIs: ₹5-10 lakh

That’s ₹1 Crore+ in spending/debt even before reaching 30.

This is a lifetime debt-trap for many young Indians.

- @InvestRepeat

If you could really see how I spend my day-to-day time, you would say "this is boring"

And you're actually right. This 'boring' is the reason why I am the wealthiest, healthiest & happiest I have ever been.

What most call boring is actually discipline.

🕉 Hinduism is one of the most decentralized religion in the world.

It doesn't have 1 official god.
It doesn't have 1 official guru.
It doesn't have 1 official book.

And that's why it survived so many attacks by centralized entities in the past & will continue to do so in the future.

I keep getting questions about best supplements for health, I have a free & open source Study Material on it: SaveInvestRepeat.com/health

Tata Consultancy Services (TCS)

2024 Dividend: ₹75/share
2025 Dividend: ₹128/share

Dividend Growth: 70%
Salary Growth for employees: 5%

Employees - they're working for money.
Shareholders - money is working for them.

- @InvestRepeat

Last day of 2025 - Great time to sit & check out this year's income.

If 2025's income is 10% more than 2024's income, you have done decently.
If you added at least 1 new income source, then you have done great.

Continue the momentum. But if one of the above you couldn't achieve, please start focusing on increasing "income" & "income sources".

In case you're confused where to start, please check the study material: SaveInvestRepeat.com/income

Make 2026, one of the highest "income" year for you.

If you don't understand the concept of losing "purchasing power", this is for you.

How much gold you would get for ₹1 lakh:

2015: ~38 grams
2020: ~21 grams
2025: ~8 grams

Without preserving purchasing power, you can't build wealth.

- @InvestRepeat

Just saw, currently 50% discount ongoing on GoSats Elite Card.

A VISA debit card that pays cashback in gold or bitcoin (instead of INR or points).

So you gain more if price of gold or BTC goes up. In case you want to check, I have wrote in detail about it already: https://www.saveinvestrepeat.com/how-to-earn-bitcoin-in-india/