00:00I have met people in last 15-16 years who had to go to rehab to get away from trading.
00:06Wow.
00:07Leverage is a double-edged sword.
00:09You use it wisely, your investment multiplies.
00:12Use it unwisely, your pain multiplies.
00:14Even after the massive rally that gold has sealed,
00:16what you're saying, it is still a good idea to continue investing in gold and silver?
00:19Because, China, equation has changed now.
00:21So don't see gold as a way of making money at the moment.
00:25See it as a...
00:26US market has gone up so much and the valuations are now not making sense.
00:30Doesn't it make you apprehensive about investing in the US market?
00:35Bubble or no bubble, US exposure is important.
00:37If you're missing out on US, then you're missing out on a big chunk of it.
00:40Bitcoin was created in 2008.
00:42What was it used for?
00:43Coin, drugs, arms, combinations.
00:46Because Bitcoin or any crypto was untraceable, anonymous.
00:49That is the reason why it's central banks...
00:53Solana, right now, one point is $130.
00:54Imagine if you don't buy it at all.
00:57And after five years, the same crypto is at $5,000 or $6,000.
01:00What are you going to tell to yourself?
01:09Unpopular opinion, but Bangalore has become a disaster of a city today.
01:14While most states try to copy Bangalore,
01:17Hyderabad built a different label.
01:19And global investors are starting to notice.
01:21Instead of putting everything in one sector,
01:23they built specialized industrial clusters.
01:26First, the Pure Framework.
01:27Real infrastructure that exists today.
01:30A functioning metro.
01:31An outer ring road connecting every cluster.
01:33And an airport built for 34 million passengers.
01:37Hyderabad studied Bangalore's mistakes
01:38and removed the hidden cost of infrastructure downtime.
01:42Second, the Pure Framework.
01:4330 years of clusters built step by step.
01:47A 19,000 acre pharma city producing 40% of India's bulk drugs and half of its vaccines.
01:53AI city with Microsoft, Google and Amazon GCCs powered by triple IT Hyderabad and ISB.
02:00Then, aerospace and defense with Boeing, Airbus and Tata building for a 70,000 crore opportunity.
02:07You can't recreate three decades of ecosystems with tax breaks.
02:11That's the more.
02:12Third, net zero and ESG.
02:14Solar parks, wind corridors and green hydrogen and 50% boom and workforce target by 2030
02:21for a larger, more stable talent pool.
02:24Fourth, the Rare Framework.
02:26Leaders like Satya Nadella, Shantanu Narayan and Ajay Bangal
02:30all shaped by Hyderabad's institutions.
02:3340 years of leadership infrastructure already running.
02:36The thesis is simple.
02:38A $140 billion DSDP aiming for a $3 trillion at 15% CAGR across pharma, IT, aerospace and renewables.
02:48Link in bio for more information.
02:50So 2047 India, what could it look like?
02:53Well, what I can tell you is that India will be in the top three world economy.
02:57There is no doubt about it.
02:58So what our models tell us is that in a business as usual scenario,
03:02India will continue at its cruising altitude of between 6-7% growth.
03:08By the virtue of compounding, the base upon which the 7% applies keeps getting bigger.
03:13And now you have rate of population growth of 1%.
03:16You know, your income is getting bigger.
03:18The rate of growth is high.
03:20And the population is not growing as fast as it used to.
03:22Clearly, India will make it to higher middle income.
03:26And the country as a whole will be in the top three economies in the world.
03:29So that I can predict with certainty.
03:31Unless calamity happens, AI takes over the world and destroys humanity.
03:35India will do very well.
03:36The question is not whether it will do good, but whether it will do...
03:43Arjun, meet Sharon.
03:45Hi, your new boss.
03:46Sharon?
03:48Finance with Sharon?
03:49How did you get a job here?
03:51I mean, yeah, they hired me.
03:53No, no, no, no, no.
03:54Hello?
03:55This company only hires managers from IIT and IM.
03:58What goal mile did you do?
03:59I mean, I built a product that got acquired by your company.
04:02And they hired me.
04:04Built a product?
04:06Boss, this guy is a mechanical engineer.
04:09I've seen your LinkedIn.
04:10What product you'll build?
04:11Do you even know how to code?
04:12He's not lying.
04:13His app is processing 2 lakh transactions daily.
04:16Zero downtime.
04:17Better than what you and your team have been doing for the last two years.
04:20Wait, wait, wait.
04:212 lakh daily?
04:23That's impossible.
04:24That requires a minimum 10 people engineering team.
04:27What the fuck is it, man?
04:28I built it alone.
04:29In five days using Emergent.
04:32Emergent?
04:33What the hell is that?
04:34Some no-code tool like Wix for apps.
04:38You know that drag and drop button so all that shit.
04:40So it's an AI platform backed by Google.
04:42You describe what you want.
04:44And it builds production-ready apps.
04:46Full-stack.
04:47Front-end.
04:47Back-end.
04:48Database.
04:48Scaling.
04:49Everything.
04:50AI-generated code.
04:51Kuchbi.
04:52Boss.
04:53This is some garbage only.
04:54This is like chat, GPT, writing code.
04:56Anything is possible these days.
04:59Around 2.5 million people are already using it.
05:01They made $25 million in revenue in the last five months.
05:05And not your prototype shit.
05:06This is full-power production-ready app ready.
05:10So you're telling me that now anybody can build these days without engineers like me?
05:15Hello, Mr. IIT.
05:16The barrier isn't building anymore.
05:18It's about ideas, execution, and speed.
05:21You spent two years building your thing.
05:23I shipped this product in five days.
05:27So, which one is better?
05:28He had meetings about meetings.
05:30Well, I had emerging.
05:31Which is why Sharon is now a leading product.
05:34You'll start reporting to him from Monday at 9 a.m. shop.
05:36But boss, I went to IIT.
05:39So guys, the world is changing.
05:41If you are an engineer who is not adapting, then you will get replaced.
05:45Builders who can move fast will be the order of the world.
05:49So what are you waiting for?
05:50You don't need to know Python or what the hell a Kubernet is.
05:54All you need to do is click the link in my bio and start building now.
05:59I'm buying the Tata Sierra for 17 lakhs.
06:01Wow, Sharon.
06:04What if I tell you, instead of 17 lakhs, it can actually cost you just half of that.
06:09What?
06:09Even if I need time, they're only a 50% discount.
06:11What happened to this?
06:12So you must have bought this on a loan.
06:14Yes.
06:1417 lakh into, let's say, around 9% loan.
06:17Okay, four years you're taking.
06:18You'll pay 42,000 into EMI.
06:20That would be roughly 3 lakhs, 30,000 into interest and that's 20 lakhs, 30,000 for this car of
06:2617 lakhs.
06:27That's the normal people.
06:28In four years, for the 17 lakhs car, end of thing, 20 lakhs, 30,000.
06:32Okay.
06:32That's what normal people like me do.
06:34Yes.
06:34But what you should be doing, if you have a car lease policy, let's say the 17 lakh car, the
06:40lease rental would be around 47,500.
06:43Okay.
06:44And after the four years, you will pay 5% as a residual value, which is roughly, let's say 85
06:50,000.
06:50No, wait, wait, wait.
06:51This lease value of 47,000 for four years, how much is that?
06:53That would be 20 to like 80,000.
06:55So it's more expensive than taking the loan.
06:5722 lakhs versus 20 lakhs.
06:58What is this?
06:59That's what most people think.
07:01But all this car lease payment, which you're making, will not form part of your taxable salary.
07:05Oh.
07:06So if I bought the car under car loan, this EMI is not deductible with my salary.
07:10True.
07:10But if I do it through car lease, it can be shown as a deduction on my salary.
07:13So I end up paying lesser income tax.
07:15Perfect.
07:16So now, the total outflow, I understand, 20 to like 80,000 plus 85,000, which you pay as a
07:20residual, which is 23,65,000, which you will pay over four years.
07:24Okay.
07:25But you also have a driver for whom you are paying 25,000 as a seller.
07:28Yes.
07:29You also have a prox expense of petrol, 15,000.
07:32Yes.
07:32Plus, this is a good car, but still you have some maintenance.
07:35And let's assume that roughly, including insurance and maintenance, will pay roughly, let's say, 85,000 a year.
07:41Okay.
07:42Then, all these expenses also will not form part of your salary.
07:46If you have car lease policy from your office, your driver's salary.
07:49Petrol also, I can get up.
07:50Yes.
07:51Driver's salary, petrol, and this car lease.
07:53If you deduct all this, your taxable salary will drop to a significantly lower.
07:57And by this math, your car of this 70 lakh would be 9,97,000 to be precise.
08:05I'm calling the HR, right?
08:06Hello.
08:07Yeah, I am.
08:07If you want to know a detail about that, comment Tata, and I'll share a detailed breakdown about
08:12Carleys.
08:28From 2025 to 2050, you have to shift from BRICS to WPIC.
08:33This is where the action is going to happen.
08:34Absolutely, in the next 25 years.
08:36In year 2000, Goldman Sachs has come up with a term called BRICS, which is called Brazil,
08:41Russia, India, and China.
08:43And now, it is no more year 2000.
08:45It is 2025.
08:47We are moving away from BRICS to WPIC.
08:49What we call is Vietnam, Indonesia, Philippines, India, and China.
08:53You have to sell West, and you have to again invest into East.
08:57And I'll not be shying away by saying on your podcast, the time has come when the sun will
09:02again rise from the East.
09:06How do I know what are the mutual funds that I need in my portfolio?
09:09I'll give you a mantra for mutual funds.
09:12So, whatever your age is, for example, your age is 30, then 30% of your portfolio should
09:16be into large cap.
09:17And that's 70% of your equity mutual fund portfolio should be in mid cap and small cap.
09:22As your age moves forward, for example, you become 40, then your large cap should be 40
09:26because you need more safety.
09:28Right.
09:28And large cap come with a lot of safety.
09:30Mid cap and small cap come with a little lesser safety.
09:33Because as you grow up, right, you want lesser risk.
09:35Correct.
09:35So, that's the way it should be productive for your mutual fund portfolio.
09:39Got it.
09:42So, you're saying right now, whatever is happening in the country cannot sustain.
09:45Hopefully, cannot, should not happen for long.
09:47Otherwise, the banking system can collapse.
09:51If somebody is starting a 100 crore company and you have 100 crores, my suggestion is start
09:55a 300 crore company.
09:56If against your 100, you can borrow 200 more and start a bigger business.
10:00So, you're saying taking leverage is important to grow faster.
10:03What would be the questions that you would ask to analyze my business?
10:07Number one, I want to make sure you understand your cost of ****.
10:10Which, trust me, you bring 100 businessmen right now.
10:1398 would not know.
10:14It's a very fashionable statement to say a business is run for all the stakeholders.
10:19And I say that's nonsense.
10:20Business is run for one stakeholder and that is the owner.
10:23So, I have two golden rules.
10:25I don't know why I started this.
10:27No, no, this is very interesting.
10:28Please continue.
10:28No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
10:33no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
10:33no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
10:33no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
10:33no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
10:33no, no, no, no, no, no, no, no, no, no, no
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