Saurav Singh @sauravsingh12

Day dreamer...passionate abt bikes...gymaholic…my business is my business none of your business…tweets are my personal opinions..proud to be 🇮🇳 Mumbai Joined April 2010

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Dr Shivam 'da' @angryoldman27

4 months ago

Life is so unpredictable.. you go for a vacation, and terrorists shoot you. You go to a trophy parade and it ends in a stampede. You go in a flight for work/vacation, and it crashes. You are studying in your hostel, and the plane falls on you.

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Saurav Singh @sauravsingh12

12 months ago

So very sad to hear the news of #RatanTata passing away. May you rest in peace sir.

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Saurav Singh @sauravsingh12

12 months ago

I saw someone in AC local who opened a pack of chips and ate and then threw the rapper in the train then the same person got up and gave seat to an elder women. Moral compass moves both sides? Confused @mumbaimatterz @RoadsOfMumbai

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Saurav Singh @sauravsingh12

a year ago

Amidst the entire #Coldplayindia concert tickets controversy is #BookMyShow which is a private firm and doesn’t owe explanation to anyone. This is what happens in a monopolistic space. They can do whatever the hell they want.

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Saurav Singh @sauravsingh12

a year ago

Found this analysis very interesting for people figuring out when to withdraw from MFs and various other investment instruments. Though this analysis is of 2016 it still holds true in today's market

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Saurav Singh @sauravsingh12

a year ago

Gold and Silver would have provided a negligible return. Only equity would have provided a real rate of return of around 9%. 9) Gold’s real rate of return of 2.54% is made possible due to rupee significantly depreciating between 1980s to early last decade. 10/n

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Saurav Singh @sauravsingh12

a year ago

These numbers matter a lot. This is what our wealth would have grown after adjusting for inflation. Since we know the tax details for each asset class and for our income, we can work out the return after taxes too. FD would automatically turn negative. 10/n

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Saurav Singh @sauravsingh12

a year ago

8) After adjusting for inflation, the asset classes have grown by following annualized rate in real terms– FD: 0.72%, Gold: 2.54%, Silver: 1.35% and Sensex: 8.46% ( 10.46% including dividend yield). 9/n

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Saurav Singh @sauravsingh12

a year ago

7) What we should look for is real returns (i.e.) returns after inflation and taxes. Since tax differs from each asset class and income category, I’ve taken only inflation and excluded taxation. Inflation is common for all. 8/n

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Saurav Singh @sauravsingh12

a year ago

6) If Rs.1 lakh has been kept under the mattress instead of being invested, it’s value has come down to mere Rs.5208 (i.e.) purchasing power of rupee reduced by whopping 95% over 37 year period. 7/n

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Saurav Singh @sauravsingh12

a year ago

FD: 8.39%, Gold: 10.21%, Silver: 9.02% and Sensex: 16.13% (18.13% if dividend yield is as assumed above) 5) When we talk about returns, we’ve to talk about inflation too. The average annualized inflation for the above period is 7.67%. 6/n

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Saurav Singh @sauravsingh12

a year ago

Sensex return works out to Rs.4.76 crores. 3) To put it another way, during last 37 years: Fixed Deposits has multiplied wealth by 20 times Gold by 37 times Silver by 24 times Sensex by 253 times 4) In terms of percentage 6 years return (as given above) is as follows- 5/n

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Saurav Singh @sauravsingh12

a year ago

FD: Rs.19.75 lakhs, Gold: Rs.36.53 lakhs, Silver: Rs.24.46 lakhs and \U0001f4b0Sensex: Rs.2.53 crores. 2) Unlike other assets mentioned above, Sensex has dividend yield in addition to capital growth. Assuming a dividend yield (duly reinvested) of 2% on an average, the 4/n

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Saurav Singh @sauravsingh12

a year ago

That is the year from which Sensex came into existence with base as 100. 1) Assume you’ve invested Rs.1 lakh each in FD, gold, silver and Sensex 37 years ago. As of 31’st March 2016 the value is as follows- 3/n

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Saurav Singh @sauravsingh12

a year ago

For the last 5 years, I’ve made it a practice to give performance comparison of various asset classes: Sensex (Equity), Fixed Deposit (Debt), Gold and Silver and the impact of inflation on them beginning from the financial year 1979-80. Why 1979-80? 2/n

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Saurav Singh @sauravsingh12

a year ago

FD Is Only For Emergency Fund Not For financial Goals I'm Sharing Some fact & Figure that Will Help you to Understand Why It is Not the right decision. 37 years of performance: Sensex, Fixed Deposits, Gold and Silver 1/n

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Fundamental Investor ™ 🇮🇳 @FI_InvestIndia

a year ago

A Middle Class Person wants to Buy 2 Wheeler for his family. He works hard, saves money & test rides a Honda Activa 110 CC. He feels it is good. He enquires the cost. Ex Showroom Price is ₹75000. He realises that this price includes 28% GST (around ₹17000). 28% YES, THAT'S…