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🚨 My Current Portfolio Stocks: In Alphabetical Order 1. CARTRADE TECH 2. IDFC FIRST BANK 3. ITC 4. MANAPPURAM FINANCE 5. OLA ELECTRIC 6. RELIANCE INDUSTRIES 7. SBI FUNDS (Short Term) 8. WAAREE ENERGIES #Portfolio

EPF vs PPF vs NPS: Where should you invest for retirement? Three popular retirement investment options in India, but they serve different purposes. 1. EPF – Employees’ Provident Fund • FY 2025–26 interest rate: 8.25% • Interest-based returns • Low-risk, debt-oriented investment • Generally tax-exempt, subject to applicable conditions. 2. PPF – Public Provident Fund • Current interest rate (Oct–Dec 2026): 7.10% • 15-year maturity, extendable in 5-year blocks • EEE tax status: Investment, interest and maturity are tax-exempt, subject to applicable conditions. • Government-backed, long-term savings instrument. 3. NPS – National Pension System Market-linked returns based on asset allocation: • Equity (E): Approximately 11–12% long-term annualised returns • Corporate Bonds (C): Approximately 6–9% • Government Securities (G): Approximately 6–9% For context, NPS Tier I equity schemes recorded an average 10-year annualised return of around 11.75% in the latest November 2026 comparison. Returns vary by pension fund manager and asset allocation. My recommendation: Should you invest in PPF if you already have EPF and NPS? • EPF + NPS, limited debt exposure → PPF can help. • EPF + NPS + substantial FD investments → PPF may be unnecessary. • High equity exposure, low debt allocation → PPF is worth considering. • Already financially independent → Consider it only if you need long-term debt allocation. • Need liquidity within 5 years → Avoid locking money into PPF. My takeaway: PPF is an excellent product, particularly for those without EPF and NPS. However, having all three isn’t mandatory. EPF and PPF already provide overlapping debt exposure, while NPS offers market-linked growth potential. Choose based on your overall asset allocation, tax regime, liquidity needs and investment horizon. Don’t invest just because something offers tax-free returns. #EPF #PPF #NPS #PersonalFinance #RetirementPlanning

This is what you can expect from American Express at the end. No one is ready to believe them. Points are restored but not allowing to transfer or redeem them. #Amex #ccgeeks

Finally received all the MR points back after a roller-coaster ride. #Amex #ccgeeks

4 Asset Classes Every Investor Should Consider! Building wealth isn’t just about investing in stocks. A diversified portfolio should have exposure to different asset classes. The four asset classes I believe everyone should look at: 1. Equity – Wealth creation through stocks, mutual funds and ETFs. 2. Gold (Precious Metals) – Portfolio diversification and a potential hedge against uncertainty. 3. Real Estate – Long-term capital appreciation and rental income. 4. Fixed Income / Debt – Stability, predictable income and capital preservation. Asset classes I prefer to stay away from: • Digital Assets: Cryptocurrencies and other speculative digital assets. • Commodities: Crude oil, natural gas, copper, aluminium, zinc, platinum, silver, etc. Everyone has a different risk appetite and investment philosophy. These are my personal preferences, not universal investment rules. The goal isn’t to invest in everything. It’s to understand what you own, why you own it, and how it contributes to your wealth. Follow @balakoteswar on 𝕏 for more insights on investing and personal finance.

💯 agree. Real estate is not something that is predictable. I too won’t like REITs or physical real estate, but my portfolio needs stability and diversification with different asset classes as it has grown very big. I can’t go 💯 equity. Started diversification.

🇮🇳 Indian REITs: Trading at a Discount to NAV! A quick comparison of India’s 6 listed REITs based on market prices vs. latest reported NAV. Discount to NAV: • Embassy REIT – 20.0% • Brookfield REIT – 19.1% • Knowledge Realty – 12.1% • Mindspace REIT – 11.1% • Nexus Select Trust – 8.4% • Bagmane Prime – 6.3% 🔍 Embassy and Brookfield currently trade at the steepest discounts to their reported NAV. Remember: A discount to NAV doesn’t automatically mean undervaluation. Check debt, occupancy, rental growth and distribution yields before investing. Follow @balakoteswar on 𝕏 for more market insights. #REITs #IndianStockMarket #Investing

Motilal Oswal is aggressively buying Ola Electric 👇👇

🚨 Upcoming IPOs with Possible Shareholder Quota! Keep an eye on these potential IPO opportunities: • Reliance Retail – Reliance Industries • JSW One – JSW Steel / JSW Cement • IGX – IEX • Mahanadi Coalfields – Coal India • South Eastern Coalfields – Coal India • NLC India Renewables – NLC India • Hero FinCorp – Hero MotoCorp • Belstar Microfinance – Muthoot Finance 📌 Shareholder quota is subject to confirmation in the respective IPO offer documents. Track DRHP/RHP filings and record dates before investing. Bookmark this list! 🔖 Follow @balakoteswar on 𝕏 for more IPO updates. Source: upstox.com/news/market-news/…

✅ Bought some GOLDBEES (GOLD ETF) today

Ola Electric Results Today Ola Electric Stock is up +6.6% Ola Electric PP Stock is up +12.3%

I also hold 1. GOLDBEES (Gold ETF) 2. EMBASSY REIT (Commercial Real-estate)

17 days ago, on October 24, we crossed 4,000 followers. Today, we’ve reached another milestone — 4,500! 🎉 500 new followers in just 17 days! A big thank you to every single one of you for the incredible support, love and encouragement. ❤️ Let’s keep growing together!

✅ Official confirmation emails sent to all the Amex card holders. In bold letters👇 “we have decided to restore the Membership Rewards® points balance available on your Card Account as of 8 November 2026” I don’t see any apology from Amex. #ccgeeks

Yes, confirmed for me too. Amex will credit back the points that were stolen last night from my account. Huge congratulations to the #ccgeeks community 🎊 #Amex

Dear @AmexIndia, So, what happens to those MR points that I bought every year for INR 0.4 each and up to 10,000 points? Those were pooled under a single account at that time, but which account? We gave our own money to buy your MR points, thinking those will never expire and pooled under a single account. Poor Indians scammed by you.

But who would trust Amex and continue using its cards? Customers have already started avoiding spends to earn more rewards, only to risk losing those hard-earned points during future system outages. The 9/11 outage is a reminder that this isn’t just about earning rewards anymore; it’s about being able to trust Amex to protect them.