Monthly Archives: February 2026

Needle moves

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Hey.

After all our verbal outbursts, …

… point to be noted is, …

… that what’s moving the needle in India is last evening’s development with the US.

Sentiment in India chooses to move with the money.

Till there’s a change in status, licence to print is with the US.

Noted. Where does this leave us?

First up, we’re not pumping in funds upon coming spike. Funds already went in during recent corrections. We’re amply invested.

So, how do we maximize on the spike?

That’s easy. We let it unfold. If it’s big enough, and goes beyond our critical mass, we start exiting as our trailing stops get hit.

What’s going to be the size of our exit?

That’s a personal choice.

Please remember, that there are no permanent bedfellows in business. One presidential mood swing, and we’ll crash into buying territory, That’s the reason to exit beyond critical mass. Definition of critical mass is up to you.

Now we come to size of exit.

Make your own thumb rule. You see, we are functioning at Markets 5.0.5. We make our own rules. We don’t follow. We choose to lead instead.

I’ll share with you my own exit rule, so that you get a bit of a drift as to options prevailing. I will only exit as per my 6 month liquidity constraints. That’s it. No more. No less either. Why? To me, it makes more sense to remain in this market as much as possible. That’s when the Indian markets are giving multibagger returns. And, I’m playing this game in the first place – to generate multibaggers.

For me, creation of just enough liquidity is a mere happening along the path.

Freedom

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What’s the thin line…

…one can tread upon…

…and still lead a satisfying financial life?

Firstly, spending, needs to be met.

Simultaneously, surplus-generation is a must.

Surplus needs to be invested, and must be allowed to compound.

However, no lifestyle requirement stays unmet.

Decent?

Yes. But a very thin line to tread upon.

Why?

For most, more than required gets spent.

For very few, more than required gets invested.

Where do we want to be? Somewhere in between, so that we don’t scrounge our life away, which is not going to solve the equation owing to nagging regrets later.

Having said that, to get a satisfactory investment corpus compounding more sooner than later, saving during the first chunk of life becomes a central theme. This entails being frugal, which goes against the urge to spend freely. How does one win this battle? Many don’t actually. What’s required is a seemingly slow upwards spiral on the back of one’s invested savings. Slowly spiralling upwards, there eventually comes a tipping point, where savings contribute so meaningfully, that one has reached financial freedom. Congratulations. Big one.

It’s ok to reach financial freedom at 50. Even at 60. At 40 it might make us do immature stuff. No one’s ever too far away from losing it all.

Having reached financial freedom, we need to maintain it till we’re alive. We don’t have the 30 odd years to rebuild financial freedom. Once there, we just sheer don’t let it go, because…

… our financial freedom becomes an umbrella for everyone who we encounter in life, from that point onwards.