Nilesh Todarmal

  In 2024, India saw 91 IPOs — a remarkable number. But here’s what’s even more remarkable (and worrying): as per SEBI, 54% of retail investors sold their IPO allotment within a week , and 43% exited on the listing day itself . What does this tell us? That the Indian primary market has become the new secondary market . That investors are no longer investing — they’re chasing . And most caught in this chase? Our youth — energetic, ambitious, digitally empowered , but financially disoriented. 🟠 From Wealth Creation to Quick Gains Traditionally, IPOs were seen as a way to participate in a company’s long-term growth — where patient capital met promising business models . The goal was clear: wealth creation. But today? IPOs are being treated like lottery tickets . Buy on allotment. Sell on listing. Profit? Great. No profit? Next shiny object. This isn’t investing. This is speculation. 🔴 Influencers Over Financial Literacy Our youth is drowning in financial content — ...

📢 Today, we explore a critical question: Are you building your career or gambling on stocks? With 90% of retail investors losing money in the market, it’s time to rethink your priorities. According to a SEBI study, only 10% of traders make consistent profits, while professionals who focus on upskilling see an average salary increase of 15-20% annually. So, which side do you want to be on? 📢 🚨 The Harsh Reality: Are You Making the Same Mistake? Did you know that 90% of retail investors in India lose money in the stock market ? Yet, professionals like Prasad and Sagar are spending hours every day chasing 'smart investments'—while their careers take a backseat. Are you making the same mistake? 🎭 The Illusion of “Smart Investing” Meet Prasad , an Assistant Manager in R&D at a leading automotive company. A dedicated professional, he once spent his days innovating. But recently, his mornings start with stock market tips from Telegram groups , lunch breaks are spent debating...

Picture this: you’ve been diligently building a portfolio with the help of your financial planner. It’s designed to meet your life goals—be it your child’s education, buying your dream home, or securing your retirement 🏠🎓💼. Then one day, a wealth manager or bank relationship manager (RM) tells you, “Look at the small-cap and mid-cap funds! They’ve grown by 30% this year! Your portfolio isn’t keeping up.” Suddenly, doubt creeps in. Is my portfolio being managed properly? Should I be chasing higher returns? 😟 Pause for a moment. Ask yourself: are you investing for returns or to reach your life goals? 🎯 Let’s dive into this together. 🏊‍♂️ The Misleading Comparison Game: Are You Falling for It? 🧐 Here’s a common scenario I’ve seen countless times. Let’s take Rakesh. He had a goal to buy a home in five years and had invested in a balanced portfolio with 35% in equity and 65% in debt, tailored to his time horizon and risk tolerance 🏡. One day, his bank RM called him, excitedly poin...

On the occasion of Teachers' Day , I would like to dedicate this post to one of my greatest teachers – Warren Buffett , the legendary investor and financial mentor. 🌟 Many of us associate Teachers' Day with our school or college days, but as we grow in our careers and lives, we realize that teachers come in many forms. They can be family, friends, mentors, or even people we admire from a distance. For me, Warren Buffett has been a guiding light in my financial journey, teaching invaluable lessons that have shaped my career as a financial planner. Why Warren Buffett is My Teacher of Finance 📚 Warren Buffett’s teachings are not just about making money. They are about discipline, patience, and the importance of making sound financial decisions that stand the test of time. Here are a few lessons I've learned from him: The Power of Compound Interest 💰: "The greatest force in the universe is compound interest." This statement by Buffett reminds me that wealth is bui...