@Nirmohi Great initiative. I have a stock which I don’t swear off forever but tracking.
Rajest Exports: Entered considering the Gold demand and they were refining gold with 35% of gold being processed worldwide. Fundamentals weren’t good and ultimately had to exit the stock at a loss. What I learnt is not to go just by what is shown. Whatever is shown needs to be backed by fundamentals and should show up in the price. No matter what anyone says, follow your process and be satisfied with what you gain from it.
After trying to do individual stocks investing since 2019, I believe it is not the right thing for my portfolio. Most of the times I have ended up buying at peak and sitting on losses for >1 year. I have realized my comfort level is with Index ETFs and Mutual Funds.
Never blindly buy into the banking sector just because it looks stable or “too big to fail.”
Remember the old saying: “The house always wins, unless you make your own luck.”
Banks are the house — they thrive on interest spreads, fees, and lending cycles. While retail investors often get trapped chasing short-term rallies, banks play the long game with your money.
If you want to succeed here, you can’t just sit at their table and hope for consistent winnings. You either:
Learn how to ride the sector cycles (NPA peaks, credit growth phases, rate cuts/hikes).
Or create your own “edge” by identifying which banks have cleaner books, stronger CASA ratios, and real growth in lending rather than just flashy valuations.
Otherwise, you’ll simply be another player funding the house’s profit.
@shraddhaSmart move—sometimes letting the index do the heavy lifting is the best strategy.