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/

Time ⏳ = Money 💵

You should calculate how much your time is worth. And do everything possible to increase that.

Example:
Your monthly income is ₹30,000. So your hourly value is just ₹41.5. Your single focus should be to increase that hourly value.

- @InvestRepeat

In 2004, STT was introduced & LTCG removed.

In 2018, LTCG was reintroduced.
In 2024, LTCG was increased.

One was meant to replace the other. But now both STT and LTCG exist for equity.

- @InvestRepeat

✅ Don't forget to join SIR's WhatsApp channel: https://whatsapp.com/channel/0029Va9aeRjHQbS9P2Akma2p

All the best posts are collated there for easier access.

If you're an Index Fund / ETF investor, you will never feel like No. 1

One year, Growth funds will win.
Then, Value funds will win.
Then, momentum funds will win.
Then, some others will win.

In 10+ year time frame, you'll see you're always in Top 5 without doing anything.

IndexFundInsights.com

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.

Be financially disciplined in 2026.

- @InvestRepeat

Monthly SIP: ₹1,00,000
Annual Return: 12%
Years: 10

Amount invested: ₹1.2 Crore

Approx gains
Without inflation: ₹1 Crore
Inflation adjusted: ₹43.3 Lakh

Inflation cuts your gains by more than half.

- @InvestRepeat

Paid online courses or books are much better than free ones.

It's not about the content in Paid Vs. Free, but how the brain reacts.

Once your brain knows that you paid ₹999 for an online guide, your brain will give its best to suck every piece of knowledge out of that guide.

- @InvestRepeat

3 magic words for everyone trying to achieve financial freedom while residing in India: SaveInvestRepeat.com/community

So many men in their 20s are wasting their entire lives trying to find a woman.

Then they end up marrying someone while they're still broke & get divorced eventually.

Apps like Tinder & Bumble have made this entire path to destruction, more fun & gamified.

Seems like ₹1 Crore is now the average price of a decent home in Tier 1 cities.

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

Without Govt action, in coming years Indians won't be able to afford homes at all.

- @InvestRepeat

Transparency time - Dec 2025:

💸 Savings rate
Last month 89.03%
All-time average 64.03%

💰 Net Worth increased by 1.7% MoM.

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

More discussion inside SaveInvestRepeat.com/community

"Do whatever you love" is the worst advice I hear from these young motivational speakers.

🔑 Do whatever it takes.

You really think that the copper billionaire somewhere in China loves copper. He dreams about Copper in his sleep?

He doesn't care. He does whatever it takes.

Pulled the 2025 data and here is the portfolio audit:
https://www.saveinvestrepeat.com/sir-portfolio-audit-2025/

Transparency time - Investing in Dec 2025:

✅ New Position:
None

🔼 Increased Position:
Bitcoin
PPFAS DAAF
Flexi Cap Fund

🔽 Decreased Position:
None

❗️ Exited:
ELSS Fund

Specific fund level discussion in SaveInvestRepeat.com/community

Big Tech and AI - What they have?

🔘 Apple = Users

🔘 Nvidia = Chips

🔘 Amazon = Servers + Some data

🔘 Meta = Servers + Lot of data + Some LLMs + Users

🔘 Microsoft = Servers + Lot of data + Widely used LLMs + Enterprise Users

🔘 xAI = Servers + Lot of data + Widely used LLMs + Users

🔘 Google = Chips + Servers + Lot of data + Widely used LLMs + Users

- @InvestRepeat

🚨 A1 Finance Research study finds ‘regular’ mutual fund plans leave investors up to 50% worse off than ‘direct’ plans over 10 years due to compounding distributor commissions.

The study shows mutual fund commissions eroded over 25% of investor wealth in 80% of schemes in 10 years.

One more interesting data point on management fee, attached in image above.

IndexFundInsights.com