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Neil Borate

@ActusDei • 100,846 subscribers

Editor-in-chief at thefynprint (Previously Personal Finance Editor, Mint)

Shorts

I decided to spend Diwali in Ravana's Sri Lanka! A small rebellion against firecrackers & pollution that have dulled the charm of Diwali in India. And it's been amazing! I'll talk about budget & costs once I'm back. But for now. Highlights: 1. Colombo's famous railway by the sea

I decided to spend Diwali in Ravana's Sri Lanka! A small rebellion against firecrackers & pollution that have dulled the charm of Diwali in India. And it's been amazing! I'll talk about budget & costs once I'm back. But for now. Highlights: 1. Colombo's famous railway by the sea

838,661 Aufrufe

Back to my annual Diwali getaway! Sri Lanka, my ❤️

Back to my annual Diwali getaway! Sri Lanka, my ❤️

142,938 Aufrufe

If you live in Mumbai, make a weekend trip to Pune this season. The train ride alone is worth it.

If you live in Mumbai, make a weekend trip to Pune this season. The train ride alone is worth it.

76,405 Aufrufe

Today I'm flying back to Mumbai from Sri Lanka. Anyone would like to exchange travel stories? Reply here. I'll DM. Saturday breakfast in Sobo - 9 ish. Will close it when 6-7 people confirm. If you're in Pune, can organize it for Sunday afternoon. Reply accordingly I'll also be writing about my trip & costs on Monday

Today I'm flying back to Mumbai from Sri Lanka. Anyone would like to exchange travel stories? Reply here. I'll DM. Saturday breakfast in Sobo - 9 ish. Will close it when 6-7 people confirm. If you're in Pune, can organize it for Sunday afternoon. Reply accordingly I'll also be writing about my trip & costs on Monday

27,327 Aufrufe

View of Nuwara Eliya in the morning. Temperature around 20 degrees. (Note: It has started raining a lot in the afternoon. Limits the scope of activities later in the day)

View of Nuwara Eliya in the morning. Temperature around 20 degrees. (Note: It has started raining a lot in the afternoon. Limits the scope of activities later in the day)

14,462 Aufrufe

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EPFO meeting yesterday has announced some alarming provisions: 1) Full withdrawal in case of unemployment will happen after 12 months vs 2 months currently 2) Full withdrawal of pension after 36 months rather than 2 months currently 3) 25% of your EPF, kept in EPF always!

EPFO meeting yesterday has announced some alarming provisions: 1) Full withdrawal in case of unemployment will happen after 12 months vs 2 months currently 2) Full withdrawal of pension after 36 months rather than 2 months currently 3) 25% of your EPF, kept in EPF always!

1,681,721 Aufrufe • vor 8 Monaten

I spoke to S Naren of ICICI today. He said: 1) We are not in a high return market. No AI boom. 2) Corporate profits to GDP are at a peak. Full podcast with him on our YT tomorrow. Please follow to stay updated.

I spoke to S Naren of ICICI today. He said: 1) We are not in a high return market. No AI boom. 2) Corporate profits to GDP are at a peak. Full podcast with him on our YT tomorrow. Please follow to stay updated.

58,098 Aufrufe • vor 18 Tagen

How can a city have a promenade with hawkers & crowds & yet be spotless? This is Galle face in Colombo. If they can do it, why can't Mumbai?

How can a city have a promenade with hawkers & crowds & yet be spotless? This is Galle face in Colombo. If they can do it, why can't Mumbai?

606,011 Aufrufe • vor 7 Monaten

NPS has changed so much! 1) Age 60 maturity gone. Now 15 yrs or age 60. Whichever is earlier 2) 80% can be taken out & annuity is down to 20% 3) MSF allows 100% equity. I sat down with Ranbheer Singh Dhariwal of Protean to discuss the reforms. #NPS #protean #partnered

NPS has changed so much! 1) Age 60 maturity gone. Now 15 yrs or age 60. Whichever is earlier 2) 80% can be taken out & annuity is down to 20% 3) MSF allows 100% equity. I sat down with Ranbheer Singh Dhariwal of Protean to discuss the reforms. #NPS #protean #partnered

41,480 Aufrufe • vor 17 Tagen

JP Morgan & HSBC downgraded India in 48 hours. Nifty is already down 9% from highs. JPMorgan bear case? Still BELOW current levels. 🐻 20,500 → -14% 📊 27,000 → +13% 🐂 30,000 → +26% Wall Street isn't calling it cheap yet. Is India a value buy or a value trap? 🧵

JP Morgan & HSBC downgraded India in 48 hours. Nifty is already down 9% from highs. JPMorgan bear case? Still BELOW current levels. 🐻 20,500 → -14% 📊 27,000 → +13% 🐂 30,000 → +26% Wall Street isn't calling it cheap yet. Is India a value buy or a value trap? 🧵

97,329 Aufrufe • vor 1 Monat

Why no mutual fund/influencer ever asks you to SELL!

Why no mutual fund/influencer ever asks you to SELL!

167,480 Aufrufe • vor 3 Monaten

One of my favourite stays in Mumbai. Sea Green (South) on Marine Drive. Rs 6.3k (breakfast included) Expensive but huge rooms & old world charm.

One of my favourite stays in Mumbai. Sea Green (South) on Marine Drive. Rs 6.3k (breakfast included) Expensive but huge rooms & old world charm.

583,032 Aufrufe • vor 1 Jahr

A US NRI asked me recently about which fund to invest in, having sold a property in India recently. I asked him to take the money back to the US.

A US NRI asked me recently about which fund to invest in, having sold a property in India recently. I asked him to take the money back to the US.

228,083 Aufrufe • vor 5 Monaten

Hotels in Colombo are cheap for Indians. Probably due to the Sri Lankan rupee depreciation against our rupee & my off peak travel timing. I booked this one (Granbell) for INR 6.8k per night. It was absolutely worth it. A 5-star in Mumbai will normally cost > 12k with tax

Hotels in Colombo are cheap for Indians. Probably due to the Sri Lankan rupee depreciation against our rupee & my off peak travel timing. I booked this one (Granbell) for INR 6.8k per night. It was absolutely worth it. A 5-star in Mumbai will normally cost > 12k with tax

697,368 Aufrufe • vor 1 Jahr

Your NPS is leaking money through commissions. The fix? Go direct. It's simpler than you think. Comment NPS or schedule a call with us at thefynprint — we'll walk you through it. #NPS

Your NPS is leaking money through commissions. The fix? Go direct. It's simpler than you think. Comment NPS or schedule a call with us at thefynprint — we'll walk you through it. #NPS

26,751 Aufrufe • vor 21 Tagen

Another great deal in South Bombay! The YWCA International Centre near Oval Maidan. Spacious double room with a balcony. 4.4k with breakfast & dinner incl. Open to all. YWCA = Young Women's Christian Association. I'm not a woman or Christian (young, maybe) but I could stay. 😅

Another great deal in South Bombay! The YWCA International Centre near Oval Maidan. Spacious double room with a balcony. 4.4k with breakfast & dinner incl. Open to all. YWCA = Young Women's Christian Association. I'm not a woman or Christian (young, maybe) but I could stay. 😅

322,690 Aufrufe • vor 11 Monaten

Zerodha will soon launch US stocks on Kite. This and much more was discussed at today's GIFT City Global Markets Conclave

Zerodha will soon launch US stocks on Kite. This and much more was discussed at today's GIFT City Global Markets Conclave

103,076 Aufrufe • vor 3 Monaten

GIFT City Funds vs Direct US or UCITS ETFs - Which is better? Note that GIFT City Funds have higher tax than direct. STCG of 42.7% vs slab rate in Direct LTCG of 14.95% vs 12.5% (13% with cess) on direct.

GIFT City Funds vs Direct US or UCITS ETFs - Which is better? Note that GIFT City Funds have higher tax than direct. STCG of 42.7% vs slab rate in Direct LTCG of 14.95% vs 12.5% (13% with cess) on direct.

32,374 Aufrufe • vor 29 Tagen

Personal Finance at its core is simple: 1) Emergency Fund 2) Health & Term Insurance 3) Equity for compounding 4) Diversification across countries & assets. After 10 years in financial journalism, I co-founded thefynprint. We give you: 1) A concierge service on financial questions like PF withdrawal, home loans, credit cards, global investing etc. 2) A WhatsApp community to discuss & share information 3) Webinars & meet-ups 4) Weekly digital magazine Subscribe to thefynprint. It is only Rs 400 per month.

Personal Finance at its core is simple: 1) Emergency Fund 2) Health & Term Insurance 3) Equity for compounding 4) Diversification across countries & assets. After 10 years in financial journalism, I co-founded thefynprint. We give you: 1) A concierge service on financial questions like PF withdrawal, home loans, credit cards, global investing etc. 2) A WhatsApp community to discuss & share information 3) Webinars & meet-ups 4) Weekly digital magazine Subscribe to thefynprint. It is only Rs 400 per month.

38,547 Aufrufe • vor 1 Monat

The system doesn't push this fund. It has barely any commissions and doesn't fit the India-only narrative. One of India's most savvy investors, S Naren puts most of his money in this fund amongst all the schemes he runs. Watch! Mail me to join our community. neil@thefynprint.com

The system doesn't push this fund. It has barely any commissions and doesn't fit the India-only narrative. One of India's most savvy investors, S Naren puts most of his money in this fund amongst all the schemes he runs. Watch! Mail me to join our community. [email protected]

147,527 Aufrufe • vor 5 Monaten

Bentleys Hotel behind the Taj is another one of my favourites. A checked floor, a balcony, space & trees. 4k a night.

Bentleys Hotel behind the Taj is another one of my favourites. A checked floor, a balcony, space & trees. 4k a night.

277,285 Aufrufe • vor 1 Jahr

Tax loss harvesting you can do: 1. Book losses to adjust against profits. 2. Book profits to use the 1.25 lakh tax free allowance 3. Family members buy when you sell. Avoid price leakage 4. Foreign stocks adjust against Indian. Read more in magazine

Tax loss harvesting you can do: 1. Book losses to adjust against profits. 2. Book profits to use the 1.25 lakh tax free allowance 3. Family members buy when you sell. Avoid price leakage 4. Foreign stocks adjust against Indian. Read more in magazine

62,800 Aufrufe • vor 2 Monaten

Jane Street made tons of money. Who lost? People like this Uber driver. Monthly earning 25k. F&O loss 2.5 lakh. Kudos to Sebi and Ananth Narayan for standing up for the ordinary Indian on the street. Excellent video by ANURAG

Jane Street made tons of money. Who lost? People like this Uber driver. Monthly earning 25k. F&O loss 2.5 lakh. Kudos to Sebi and Ananth Narayan for standing up for the ordinary Indian on the street. Excellent video by ANURAG

205,594 Aufrufe • vor 11 Monaten

7 reasons to invest outside India 1. No takeoff in AI, EV & Solar 2. IT under threat 3. No major manufacturing. 4. Commodity cycle. Imports oil & gold 5. Retail slowing. Gold ETF flows = equity funds. 6. Diversification & rupee fall 7. ACWI beaten India in all time periods

7 reasons to invest outside India 1. No takeoff in AI, EV & Solar 2. IT under threat 3. No major manufacturing. 4. Commodity cycle. Imports oil & gold 5. Retail slowing. Gold ETF flows = equity funds. 6. Diversification & rupee fall 7. ACWI beaten India in all time periods

77,886 Aufrufe • vor 3 Monaten

The day Groww lists at a premium, BSE quietly reveals the REAL number of RIAs (see video). The story: 1) Indians want free trading & MFs paid by F&O, loans etc. 2) They don't want to pay for advice. That must come free from influencers. Yes, MFDS exist & give advice. For now.

The day Groww lists at a premium, BSE quietly reveals the REAL number of RIAs (see video). The story: 1) Indians want free trading & MFs paid by F&O, loans etc. 2) They don't want to pay for advice. That must come free from influencers. Yes, MFDS exist & give advice. For now.

117,509 Aufrufe • vor 7 Monaten