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Marcellus Investment Managers

@MarcellusInvest • 63,319 subscribers

We help the Indian Middle Class build sustainable long-term wealth. Reg. details: MIPL: https://t.co/RyWxWeT6xc MCP: https://t.co/B944wiTFNb

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$Did you know the Indian stock market has given zero returns in half of the time periods over the last 30 years? 📉 While equities are great, they don't always make you money. In fact, a pure stock portfolio exposes your hard-earned savings to massive drawdowns, like the 60% crash we saw in 2008. The secret to stress-free retirement planning? Sensible Asset Allocation. 📊 By diversifying equally across: 🇮🇳 Indian Equities 🌍 Foreign Equities 📄 Bonds 🥇 Gold 💵 Cash ...you can target stock-market-like returns with only a fraction of the risk. (This exact mix only dropped ~6% in 2008!). Plan your life goals with a customised free asset allocation: #AssetAllocation #PersonalFinance #NIFTY50$

Did you know the Indian stock market has given zero returns in half of the time periods over the last 30 years? 📉 While equities are great, they don't always make you money. In fact, a pure stock portfolio exposes your hard-earned savings to massive drawdowns, like the 60% crash we saw in 2008. The secret to stress-free retirement planning? Sensible Asset Allocation. 📊 By diversifying equally across: 🇮🇳 Indian Equities 🌍 Foreign Equities 📄 Bonds 🥇 Gold 💵 Cash ...you can target stock-market-like returns with only a fraction of the risk. (This exact mix only dropped ~6% in 2008!). Plan your life goals with a customised free asset allocation: #AssetAllocation #PersonalFinance #NIFTY50

Marcellus Investment Managers

44,232 просмотров • 20 дней назад

India's banking system looks healthier than it has in years. Bad loans are falling. Defaults appear under control. The RBI's Financial Stability Report paints a reassuring picture. But dig a little deeper into the same report and a different story begins to emerge. ⮞ Household debt has reached a record high as a percentage of GDP. ⮞ Nearly half of household borrowing is now for consumption rather than asset creation. ⮞ Between 5% and 10% of retail borrowers may already be borrowing simply to service existing debt. ⮞ Early signs of stress are rising even as headline bad loan numbers continue to improve. The interesting part isn't that the data is hidden. It's that both the optimistic and the cautious interpretations come from the very same RBI report. So, what should investors make of it? Watch the full analysis between Saurabh Mukherjea and Nandita Rajhansa, CFA as they unpack what the RBI's Financial Stability Report is really saying and what it could mean for India's economy, markets and your portfolio:

India's banking system looks healthier than it has in years. Bad loans are falling. Defaults appear under control. The RBI's Financial Stability Report paints a reassuring picture. But dig a little deeper into the same report and a different story begins to emerge. ⮞ Household debt has reached a record high as a percentage of GDP. ⮞ Nearly half of household borrowing is now for consumption rather than asset creation. ⮞ Between 5% and 10% of retail borrowers may already be borrowing simply to service existing debt. ⮞ Early signs of stress are rising even as headline bad loan numbers continue to improve. The interesting part isn't that the data is hidden. It's that both the optimistic and the cautious interpretations come from the very same RBI report. So, what should investors make of it? Watch the full analysis between Saurabh Mukherjea and Nandita Rajhansa, CFA as they unpack what the RBI's Financial Stability Report is really saying and what it could mean for India's economy, markets and your portfolio:

Marcellus Investment Managers

11,338 просмотров • 13 дней назад

Indian equities give zero returns half the time, and FDs quietly destroy your wealth through inflation. So, where should you actually invest? If you want to build wealth without losing sleep, chasing last year's top-performing asset is a losing game. In our latest podcast, Saurabh and Ishaan break down a smarter approach: the simple Multi-Asset Portfolio. By balancing Indian Equities, Global Equities, Gold, Debt, and Cash, this framework has historically delivered ~11.3% long-term returns with just one-fourth the volatility of the Nifty 50. It is the ultimate strategy to smooth out the bumps and stay invested for decades. Crush risk and safely compound your wealth with a free customized financial plan: Watch the full breakdown in the comments below!

Indian equities give zero returns half the time, and FDs quietly destroy your wealth through inflation. So, where should you actually invest? If you want to build wealth without losing sleep, chasing last year's top-performing asset is a losing game. In our latest podcast, Saurabh and Ishaan break down a smarter approach: the simple Multi-Asset Portfolio. By balancing Indian Equities, Global Equities, Gold, Debt, and Cash, this framework has historically delivered ~11.3% long-term returns with just one-fourth the volatility of the Nifty 50. It is the ultimate strategy to smooth out the bumps and stay invested for decades. Crush risk and safely compound your wealth with a free customized financial plan: Watch the full breakdown in the comments below!

Marcellus Investment Managers

26,455 просмотров • 1 месяц назад

India's Savings are Disappearing RBI's numbers tell a story of a silent shift in the Indian household. Net household savings have hit a 50-year low; to find a time when we saved this little, you have to go back to 1977. As Saurabh and Nandita discuss in our latest podcast, the "Middle Class Dream" is increasingly being fueled by a record-breaking borrowing binge—but not for the reasons you might think. Household borrowing (excluding home loans) has hit 34% of income. This is a historical high and significantly surpasses levels seen in the US, China, or other large economies. This surge is unique—it isn’t driven by asset creation like buying homes or such, but by unsecured consumption and lifestyle maintenance. If the cost of living continues to double every 8 years while savings evaporate, the math for retirement becomes the challenge of a lifetime. Watch the full discussion to understand how you should reframe your perspective on wealth and debt: #MarcellusPodcast #SavingsCrisis #IndianEconomy #PersonalFinance #WealthManagement #DebtReality #CoffeeAndInvesting

India's Savings are Disappearing RBI's numbers tell a story of a silent shift in the Indian household. Net household savings have hit a 50-year low; to find a time when we saved this little, you have to go back to 1977. As Saurabh and Nandita discuss in our latest podcast, the "Middle Class Dream" is increasingly being fueled by a record-breaking borrowing binge—but not for the reasons you might think. Household borrowing (excluding home loans) has hit 34% of income. This is a historical high and significantly surpasses levels seen in the US, China, or other large economies. This surge is unique—it isn’t driven by asset creation like buying homes or such, but by unsecured consumption and lifestyle maintenance. If the cost of living continues to double every 8 years while savings evaporate, the math for retirement becomes the challenge of a lifetime. Watch the full discussion to understand how you should reframe your perspective on wealth and debt: #MarcellusPodcast #SavingsCrisis #IndianEconomy #PersonalFinance #WealthManagement #DebtReality #CoffeeAndInvesting

Marcellus Investment Managers

71,127 просмотров • 6 месяцев назад

Across the high-rises of Bangalore, Hyderabad, Pune, and Mumbai, a staggering $150 billion in wealth is currently tied up in ESOPs. On paper, India’s executive class has never been richer. But here’s the uncomfortable truth: Wealth you cannot diversify is risk you cannot manage. Many professionals don’t realize that up to 60% of their life’s savings is concentrated in their employer’s stock. This creates a dangerous blind spot, fueled by four cognitive traps: loyalty bias, endowment bias, fear of taxes, and status quo bias. Why do we instinctively value stock we own more than cash? And why does doing nothing feel safer than selling? In the full episode, we dissect these psychological hurdles. The smartest minds in finance know: Concentration creates wealth, but diversification preserves it. Watch the full breakdown here: #ESOP #WealthManagement #BehavioralFinance #Bangalore #StartupsIndia #MarcellusPodcast #RationalInvesting #CoffeeAndInvesting

Across the high-rises of Bangalore, Hyderabad, Pune, and Mumbai, a staggering $150 billion in wealth is currently tied up in ESOPs. On paper, India’s executive class has never been richer. But here’s the uncomfortable truth: Wealth you cannot diversify is risk you cannot manage. Many professionals don’t realize that up to 60% of their life’s savings is concentrated in their employer’s stock. This creates a dangerous blind spot, fueled by four cognitive traps: loyalty bias, endowment bias, fear of taxes, and status quo bias. Why do we instinctively value stock we own more than cash? And why does doing nothing feel safer than selling? In the full episode, we dissect these psychological hurdles. The smartest minds in finance know: Concentration creates wealth, but diversification preserves it. Watch the full breakdown here: #ESOP #WealthManagement #BehavioralFinance #Bangalore #StartupsIndia #MarcellusPodcast #RationalInvesting #CoffeeAndInvesting

Marcellus Investment Managers

48,496 просмотров • 8 месяцев назад

Recent Income Tax data reveals a startling truth for the Indian middle class: over the last 10 years, average earnings for this cohort crawled from ₹10.23 lakhs to just ₹10.69 lakhs. While your nominal pay stayed nearly flat, the urban cost of living comfortably doubled in that same period. We call this the "Double Whammy": A. Stagnant Wages: Hardly any rise in actual earnings over a decade. B. Soaring Costs: A reality where expenses are doubling every 8 years. The result? A record-breaking boom in retail borrowing just to maintain a basic lifestyle. If your income isn't outperforming this math, you are falling behind. Watch the full discussion on why the "Middle Class Dream" is under the pump:

Recent Income Tax data reveals a startling truth for the Indian middle class: over the last 10 years, average earnings for this cohort crawled from ₹10.23 lakhs to just ₹10.69 lakhs. While your nominal pay stayed nearly flat, the urban cost of living comfortably doubled in that same period. We call this the "Double Whammy": A. Stagnant Wages: Hardly any rise in actual earnings over a decade. B. Soaring Costs: A reality where expenses are doubling every 8 years. The result? A record-breaking boom in retail borrowing just to maintain a basic lifestyle. If your income isn't outperforming this math, you are falling behind. Watch the full discussion on why the "Middle Class Dream" is under the pump:

Marcellus Investment Managers

40,662 просмотров • 7 месяцев назад

Is India Facing a Capital Exodus? The Alarming Outward Trend of FDI and FII Foreign Direct Investment (FDI) and Foreign Institutional Investment (FII) are flowing out of India at an unprecedented pace. Indian promoters are increasingly choosing to move capital and manufacturing westward rather than reinvesting domestically. Key factors driving Indian businesses to invest heavily in America instead of India include: ▶ Cheaper Industrial Land: Lower costs for setting up physical infrastructure compared to sky-high prices in India. ▶ Affordable Working Capital: Better access to cheaper financing and lower interest rates. ▶ Less Red Tape: Fewer regulatory hurdles and compliance hassles. ▶ The Tariff Wall: The strategic advantage of operating inside US borders to completely bypass adverse import tariffs. This trend of outward FDI represents a long-term structural shift that is expected to carry on for several years. 📺 Watch the full analysis by Saurabh and Nandita here: 👉 #FDI #FII #IndianEconomy #BusinessStrategy #GlobalTrade #Manufacturing

Is India Facing a Capital Exodus? The Alarming Outward Trend of FDI and FII Foreign Direct Investment (FDI) and Foreign Institutional Investment (FII) are flowing out of India at an unprecedented pace. Indian promoters are increasingly choosing to move capital and manufacturing westward rather than reinvesting domestically. Key factors driving Indian businesses to invest heavily in America instead of India include: ▶ Cheaper Industrial Land: Lower costs for setting up physical infrastructure compared to sky-high prices in India. ▶ Affordable Working Capital: Better access to cheaper financing and lower interest rates. ▶ Less Red Tape: Fewer regulatory hurdles and compliance hassles. ▶ The Tariff Wall: The strategic advantage of operating inside US borders to completely bypass adverse import tariffs. This trend of outward FDI represents a long-term structural shift that is expected to carry on for several years. 📺 Watch the full analysis by Saurabh and Nandita here: 👉 #FDI #FII #IndianEconomy #BusinessStrategy #GlobalTrade #Manufacturing

Marcellus Investment Managers

13,638 просмотров • 1 месяц назад

India is producing more graduates than ever before. Yet, quality white collar jobs are becoming harder to find. The numbers point to a structural shift: ➤ Nearly 5 million graduates enter the workforce each year, but only around 1.7 million salaried graduate jobs are created. ➤ Graduate unemployment is close to 30%. ➤ AI is likely to add further pressure on traditional white collar employment. What do these changes mean for careers, wealth creation and India's future? Saurabh Mukherjea and Nandita Rajhansa explore the forces reshaping India's labour market and what professionals, parents and investors should be thinking about. Watch the full episode:

India is producing more graduates than ever before. Yet, quality white collar jobs are becoming harder to find. The numbers point to a structural shift: ➤ Nearly 5 million graduates enter the workforce each year, but only around 1.7 million salaried graduate jobs are created. ➤ Graduate unemployment is close to 30%. ➤ AI is likely to add further pressure on traditional white collar employment. What do these changes mean for careers, wealth creation and India's future? Saurabh Mukherjea and Nandita Rajhansa explore the forces reshaping India's labour market and what professionals, parents and investors should be thinking about. Watch the full episode:

Marcellus Investment Managers

12,486 просмотров • 1 месяц назад

India's Massive $12 Billion Donation to Wall Street. Yes, you read that right. That's effectively what's happening in the Indian F&O market right now. According to the latest data, 90% of retail investors are losing money. We're witnessing a massive capital outflow—roughly $12 billion a year—from hard-working families in small-town India to sophisticated institutional desks using state-of-the-art algorithms built by PhDs in math and physics. The "easy money" narrative is hurting the demographic that needs wealth creation the most: the 30-40-year-old middle-class earner. The hard truth? If you're trading F&O without an edge, you aren't a market participant. You're the liquidity. So, how do we stop the bleeding? Watch the full discussion where Saurabh and Nandita cover this and more in detail: #Economy #MarketReality #RetailInvestor #RiskManagement #MarcellusPodcast #India #FinancialPlanning #CoffeeAndInvesting

India's Massive $12 Billion Donation to Wall Street. Yes, you read that right. That's effectively what's happening in the Indian F&O market right now. According to the latest data, 90% of retail investors are losing money. We're witnessing a massive capital outflow—roughly $12 billion a year—from hard-working families in small-town India to sophisticated institutional desks using state-of-the-art algorithms built by PhDs in math and physics. The "easy money" narrative is hurting the demographic that needs wealth creation the most: the 30-40-year-old middle-class earner. The hard truth? If you're trading F&O without an edge, you aren't a market participant. You're the liquidity. So, how do we stop the bleeding? Watch the full discussion where Saurabh and Nandita cover this and more in detail: #Economy #MarketReality #RetailInvestor #RiskManagement #MarcellusPodcast #India #FinancialPlanning #CoffeeAndInvesting

Marcellus Investment Managers

37,843 просмотров • 7 месяцев назад

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