u/gpu_in_your_cash

Why do you work? Why do you give your blood, sweat, stress, and headaches?

To accumulate real purchasing power. To accumulate gold. Nothing else matters.

If your salary rises 50% but gold rises 40%, your real raise is tiny. If your investments rise in rupees but buy less gold, are you actually richer?

A person earning ₹30k in 2010 could buy more gold than someone earning ₹1.2 lakh today.

So here’s a better benchmark: Measure your wealth in gold terms.

If two girls had 100 grams of gold, and one sold it to invest in a mutual fund delivering 25% XIRR, but later ended up with lower gold purchasing power, then she lost wealth in real terms.

The other simply preserved her gold — and preserved her purchasing power.

There is no reason not to buy the S&P 500.

The babus never worried about forex when they settled their kids abroad. The child of every babu seems to have at least a million dollars in an overseas account.

But they did not bring in those dollars. It was the sweat of the SWE that earned them.

Not the import-export traders who deplete dollars before bringing back a small surplus. Not the bankers who siphon off the SWE’s salary through scam policies. Not the MPs and MLAs who use the SWE to convert black money into white at 100x valuations.

The dollars belonged to the SWE, and there is no reason for the SWE to tolerate the babu anymore.

Keep buying the S&P 500. It was your money in the first place.

There is no reason not to buy the S&P 500.

The babus never worried about forex when they settled their kids abroad. The child of every babu seems to have at least a million dollars in an overseas account.

But they did not bring in those dollars. It was the sweat of the SWE that earned them.

Not the import-export traders who deplete dollars before bringing back a small surplus. Not the bankers who siphon off the SWE’s salary through scam policies. Not the MPs and MLAs who use the SWE to convert black money into white at 100x valuations.

The dollars belonged to the SWE, and there is no reason for the SWE to tolerate the babu anymore.

Keep buying the S&P 500. It was your money in the first place.

Just look at Shashi Tharoor’s asset declaration:

₹9.33 Crore in direct overseas US equities.

₹2 Crore in US Treasury Securities (literally funding the US government).

₹3.46 Crore in foreign corporate bonds.

He even owns an actual US Bitcoin ETF and active US options.

Here are the benifits of the non dollar fetchers and dollar deleters of India :

Indian Chief Justice of India (CJI) monthly basic salary is 2,80,000 INR.

Supreme Court Judges receive a monthly basic salary of 2,50,000 INR.

High Court Chief Justices earn a monthly basic salary of 2,50,000 INR.

High Court Judges earn a monthly basic salary of 2,25,000 INR.

Lower court district and civil judges receive base salaries between 77,840 INR and 1,44,840 INR.

Judges receive a rent-free official bungalow, an official vehicle with a driver, free water and electricity, a phone allowance, a sumptuary allowance, a medical allowance, a standard robe grant, 24/7 personal security, and a lifetime pension equal to 50 percent of their last drawn basic salary.

Members of Parliament (MPs) receive a consolidated monthly payout of 2,86,000 INR. This includes a monthly base salary of 1,24,000 INR, a monthly constituency allowance of 87,000 INR, and a monthly office allowance of 75,000 INR. MPs also receive a daily allowance of 2,50,000 INR when attending parliamentary sessions.

MPs receive 34 free domestic flights per year, unlimited free first-class train travel for themselves and their spouses, rent-free housing in New Delhi, 50,000 units of free electricity annually, 400,000 litres of free water annually, free telephone connections, and a lifelong monthly pension of 31,000 INR plus 2,000 INR extra for every year served past their first term.

Members of Legislative Assemblies (MLAs) have salaries set by their respective states. Gross monthly payouts range from roughly 1,05,000 INR in lower-tier states like Tripura up to 2,50,000 INR or 4,000,000 INR in high-tier states like Telangana and Maharashtra.

MLAs receive state travel coupons, priority access to state-run guest houses, local phone allowances, and interest-free or low-interest loans from the state treasury to buy vehicles.

None of these people bring in dollars to India. None of the journalists, middlemen, brokers, bring in dollars to India.

Gold for Indian women is not a “barbaric relic.” It is one of the oldest balance sheets in civilization.

Now think about what the government itself admits:

* A married Indian woman can hold around 500g gold without seizure during tax searches. * At 2026 prices, that is close to ₹1 crore. * Yet the same middle class is constantly told: “Don’t buy gold.” “Do SIP.” “Lock money in NPS.” “Think long term.”

Then suddenly during forex stress, PM Modi asks Indians to avoid buying gold for a year to protect forex reserves.

Because unlike financial assets:

* gold cannot be printed, * cannot be diluted by ESOPs, * cannot be inflated away through endless liquidity, * cannot go to zero because of accounting fraud.

If the State itself implicitly accepts that:

* household women may culturally and legally hold nearly ₹1 crore worth of gold, * and gold imports materially affect forex stability,

then gold is not a “dead asset.”

It is monetary power.

Meanwhile, financial marketing has convinced an entire generation that:

* staring at CAGR dashboards, * SIP screenshots, * and app portfolios

equals wealth creation.

The real benchmark is:

* grams of gold, * barrels of oil, * dollars, * land, * energy purchasing power.

Not just bigger rupee numbers on a screen.

And notice the contradiction:

When households buy gold:

* suddenly forex matters, * CAD matters, * imports matter.

The system praises gold when central banks buy it. The system mocks gold when households buy it.

India’s households did not preserve wealth for centuries through PowerPoint presentations and SIP calculators.

Government never asks you to stop buying mutual funds.

But they effectively banned the tax advantages of foreign mutual funds in the 2023 Budget.

But they want unlimited NRI dollars in FCNR accounts.

But they want the increased NRE deposit limit now raised to 10%.

But they want dollars for 100% FDI in insurance, private schools, and hospitals.

But they all travel for six months to London and Paris, staying in flats owned by them.

But they never tell you that mutual funds made Ola, Anant Raj, Nirav Modi-linked ecosystems, and middlemen richer and richer, while retail investors lost tons of gold in purchasing power every month by doing SIPs.

If retail investors had bought gold instead of blindly doing SIPs, retail would have been a little richer, and the already-rich promoters and middlemen in India would have been a little less rich.

“Don’t buy gold, think about forex,” they say.

Meanwhile, since 2024:

* a sitting High Court judge faced a Supreme Court probe after allegations of huge cash being discovered at his residence following a fire, * inquiry reports mentioned “four to five sacks” of burnt currency notes, * a Supreme Court-appointed panel reportedly said misconduct was proved and recommended removal proceedings, * an IRS officer was arrested in a bribery case where raids allegedly recovered ₹1 crore cash and 3.5 kg gold, * and citizens openly questioned why ordinary taxpayers are lectured about forex while corruption cases involve cash and bullion.

But the lecture is always for the salaried taxpayer earning in white money.

The honest citizen pays taxes from disclosed income, while corrupt networks allegedly move wealth through cash, bullion, hawala, foreign property, and offshore systems.

“Mutual fund nahi, gold sahi hai.”

Retail chose mutual funds.

And now retail suffers.

If Modi truly wanted to reduce forex outflow, he could have banned:

* Foreign medical treatment for politicians and public figures like Raghav Chadha, Lalu Yadav, Ramdev, and others * Haj subsidies and other state-funded foreign expenditures * Foreign “study tours” for every MLA, babu, and taxpayer-funded bureaucrat * Government officers from travelling abroad at public expense while their children study overseas * Gold holdings and foreign assets acquired through corruption

But that never happens.

Instead, the burden is pushed onto salaried, tax-paying citizens who earn in white money and are constantly told to consume less, travel less, buy less gold, and pay more tax.

Tharoor stock market portfolio reveals he sends 250k abroad per year in usd, goyal is a broker for Ambani and so was his father and so will be his son.

Every minister, every journalist across inc, bjp, cpim, left, app, whatever has their sons waiting in line for a green card. Who gave them dollars ?

Every government job holder has his son waiting for abroad education, who gave them dollars ?

Only exceptions are Yogi Modi and arnab.

That's why all journalists don't dare to speak against the war mongering trump expect arnab.

The simplest solution to forex outflow is:

* Ban corruption *

Ban cash transactions in real estate

Ban foreign trips for every judge and every babu

Ban foreign medical treatment for leaders like Lalu, Chaddha, Sonia, and Yogi

Ban money transfers abroad for the children of babus and every government employee

But Modi won’t do it.

Instead, he will ask white-money-earning citizens to bear:

* 44% income tax, * plus 20% TCS in dollar terms, * and 33% capital gains tax in rupee terms.

Yes, read that again. Reread

Meanwhile, people in the corridors of whisper own three flats in Dubai, and every tehsildar has relatives settled abroad.

They never cared about forex.

Judges never care about forex when taking bribes in gold from corrupt builders.

MPs and MLAs never care about forex while spending billions every week on foreign tours.

From FY2016-17 to FY2025-26, Indian households transferred roughly:

₹15,18,666 crore

into mutual fund SIPs.

Now convert that into real money.

At roughly ₹1,80,000 per 10 grams of gold:

1 tonne of gold ≈ ₹1,800 crore

Which means:

₹15,18,666 crore ÷ ₹1,800 crore

= ~844 tonnes of gold

Think carefully about what this means.

In just one decade, salaried Indians redirected wealth equivalent to nearly:

844 tonnes of gold

into financial markets.

That is larger than the official gold reserves of most countries on Earth.

Your grandfather accumulated metal.
You accumulate fund units.

Your ancestors stored wealth outside the system.
You store wealth inside the system.

Why did you do this?

The EPS Of those companies are never going to come back.
There will be no higher bidder for those company stocks.

50% of the mutual fund money has gone into ipo accounts via fpo, qip, dilution, and is never coming back. Some companies are deleted at all.

Take example of Ola. there will be no bidder for the ola stock in the future who is willing to give you an exit.

You think SEBI is going to save you?

Now examine the architecture.

Dr. Sarat Kumar Malik spent:
– over 23 years inside SEBI
– around 10 years connected to RBI functions
– retired as Chief General Manager from SEBI in 2020

Then later appeared as:

– Independent Non-Executive Director at String Metaverse Ltd
– Chairperson of its Nomination and Remuneration Committee

Simultaneously linked with:
– 5paisa Capital Ltd
– Spacenet Enterprises India Ltd

Now examine the second layer.

Arvind Jadhav:
– 1978-batch IAS officer
– former Chief Secretary of Karnataka
– former CMD of Air India

Then later appears as:
– Independent Director at String Metaverse
– Chairperson of Audit Committee

Simultaneously, a February 2024 CBI chargesheet names alleged irregularities connected to a ₹225 crore procurement matter involving IBM and SAP during the Air India period.

Now add the intersecting corporate layer.

Vivek Kumar Ratakonda:
– Non-Executive Director at String Metaverse
– linked to restructuring processes involving both RNIT AI Solutions and String Metaverse

Then the financing layer:

Promoters linked to Quick Heal Technologies, including Sanjay Katkar and associated HNI investors, participated in the ₹26.33 crore preferential allotment tied to RNIT AI’s expansion into government-oriented projects during March 2026.

The loot is right in front of you

Both of these companies had People from SEBI in the board while the promoters of this company were banned from SEC in US

SEC fraud action against Longfin Corp and CEO Venkata S. Meenavalli: SEC Litigation Release No. 24492 and permanent officer/director bar settlement: SEC Litigation Release No. 24706

You really think the system is in your favor?

Now think what happened, 2 days back, Mr asishs kichodia entered quick heal

you can connect the dots

https://www.reddit.com/r/IndianStockMarket/comments/1ppt0qp/a_real_data_centre_stock_versus_warrant_issuing/

https://www.reddit.com/r/StockMarketIndia/comments/1lkgwg1/i_was_begging_all_of_you_to_buy_real_companies/

Here are some of the gems of last two years

"and according to you who are these real companies ? I saw your post history and you are criticizing every company listen in the stock market it seems - tcs ; infos ; wipro etc : idk why you have such a doomer mentality
Do share your "real companies" which you recommend buying stocks of."

"Shit. I just went through his previous posts, He tends to lean toward pessimistic views and often sees things through a lens of conspiracy theories.

There may also be underlying mental health disorder contributing to this perspective."

https://www.reddit.com/r/IndianStockMarket/comments/1hvt10y/comment/m5znroq/

"Op might be suffering from some mental illnesses such as bipolar or schizophrenia. Any sane person would have stopped by this point."

"This guy is full of bs.

Investing or trading in the stock market is only about money and profit. Not about the company you buy and how high level work it does. Because at the end of the day, it's about the money you made in the stock. Don't get me wrong, the growth trajectory of the company matters but my profit matters more than that.

I can buy a high tech firm at PE of 10 with great fundamentals but if it doesn't make me money, what am i gonna do with it?. It's all about buying low and selling high.

It doesn't matter if e2e network is a support company and anantraj is not a real data center company. If I earned 50% or 100% on my invested amount be it 1 lakh or 50 lakh, I hardly care if anantraj discovers kryptonite or not."

"Thanks I just checked my pc specifically data disk there is anant Raj written on it, so how much quantity of anant Raj would you recommend?"

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Go ahead guys

ED HAS RAIDED ANANT RAJ AND TAARC BOTH

SAMSUNG IS MOST PROFITABLE COMPANY OF 2026 AND MICRON STOCK IS TO THE MOON WHEN IT WAS SHARED IT WAS 60

But you all of you, wanted to go in anant rajj

NOW SUFFER

The ongoing discourse regarding the "Forex Drain"—recently highlighted by Vice President Jagdeep Dhankhar—has brought sharp focus to the financial habits of India's elite. While high-profile figures like Shashi Tharoor, Piyush Goyal, and members of the judiciary frequently utilize the Liberalised Remittance Scheme (LRS) to fund elite foreign education and offshore residencies for their heirs, the domestic investor is left to navigate a heavy fiscal landscape of GST, STT, and TDS.

• 1962/1963 Gold Control Rules: Following the Indo-China War, Morarji Desai (under Nehru) banned the manufacture of gold jewellery above 14-karat fineness and mandated the declaration of all non-ornamental gold holdings.
• 1965 Gold Bond Schemes: The government launched several 15-year Gold Bond schemes, including National Defence Gold Bonds, to encourage citizens to exchange physical gold for tax-exempt, interest-bearing certificates.
• 1968 Gold Control Act: This legislation prohibited citizens from owning gold in primary forms such as bars or coins and imposed strict licensing requirements on goldsmiths to curb smuggling.
• 1975 Voluntary Disclosure Scheme: During the Emergency, the government introduced a scheme encouraging households to disclose undeclared wealth, including gold, although participation remained limited.
• 1990 Gold Control Repeal Act: Recognizing that the 1968 Act had failed to reduce demand and had instead fueled a massive black market, the government repealed the law to liberalise the market and collect official import duties.
• 2013 Chidambaram's Import Curbs: To combat a record Current Account Deficit, Finance Minister P. Chidambaram increased gold import duties to 10% and banned the import of gold coins and medallions.
• 2013 The 80:20 Rule: The RBI mandated that 20% of all imported gold had to be exported as jewellery before any new imports were permitted.
• 2015 Modi Government Gold Schemes: Prime Minister Modi launched the Sovereign Gold Bond (SGB) and Gold Monetisation Scheme to shift physical demand into paper assets and mobilize "idle" household gold.
• 2016 PAN Requirement: The government mandated PAN card disclosure for all gold purchases exceeding ₹2 lakh to increase transaction transparency.
• 2024 Budget Duty Revision: In a major policy shift, the government slashed gold import duties to 6% (down from 15%) to reduce smuggling incentives and support the domestic jewellery industry.

Here is what happens when you buy gold:

• MPs and MLAs cannot touch it.
• Adani cannot touch it.
• Nirav Modi cannot touch it.
• Anil Ambani's Reliance Power cannot touch it.
• Gensol cannot touch it.
• Mutual funds cannot hand it to Bhavish through an FPO or IPO and then later acknowledge losses.
• They cannot funnel it into companies facing ED raids.
• They cannot transfer ₹600 crore to a sticker company through an IPO.

You are being gaslit by:

• “Gold is an unproductive asset.”
• “Gold drains forex.”
• “Gold means capital markets are strained.”

News flash:

• From Nehru to Rahul, from judges to Goyal, from Sitharaman to Manmohan, to Jyoti Basu — they have all overseen or enabled the draining of enormous amounts of capital out of India for foreign education, offshore assets, and flats in London for their families.
• Indian family businesses such as Wipro, Infosys, Reliance, and many traditional promoter-led companies have generated trillions from India while transferring wealth across family offices, holding structures, trusts, wives, sons, and grandsons.
• Despite being wealthier than many Chinese firms for decades, they built neither globally dominant chip companies, nor LLMs, nor MOSFET manufacturing ecosystems. Even Adani eventually stepped back from the hard work of building a semiconductor plant.

Zepto is coming for your money in 2026. They want ₹12,000 Crore. But where does that money actually go?

For the last 5 years, you’ve been told that "Long-Term Investing" is your path to wealth. It’s a lie sold by people too weak to farm and too lazy to code. These bankers and fund managers have one skill: Picking your pocket on the 5th of every month.

1. The Private Game: A few VCs (Nexus, Glade Brook, StepStone) bid up Zepto’s price in private rooms where you aren't invited. They’ve already planned to take ₹2,100 Crore out through "secondary sales" before the IPO even starts.
2. The Retail Trap: They need a "higher bidder" to take the dead weight off their hands. That’s YOU.
3. The SIP Pipeline: Every month, ₹35,000 Crore flows into Mutual Funds via SIPs. The managers—who get paid their fat salaries regardless of whether you make a profit—use your money to bid for Zepto’s "Scam EPS."

• Paytm: You transferred ₹18,300 Crore. EPS is still a ghost. You bought a stone.
• Zomato: You transferred ₹9,375 Crore for the "promise of hunger." The fruit is microscopic.
• Nykaa/CarTrade: Thousands of crores transferred directly into old owners' pockets. The EPS? Near zero.

The Zepto Transfer:
Zepto is still losing thousands of crores. They are selling you "growth," but they are really selling you a transfer slip. They take the cash; you take the "paper stock" and a prayer that someone even more foolish will buy it from you later.

Why Bother?
If you give money to a friend and he doesn't pay back, you confront him. When a Mutual Fund manager takes your money to fund a VC's exit from a failing business, you do nothing. You are being slaved by middlemen who profit from your hope while locking in their own wealth today.

The Only Move:
Force-cancel the SIP.
The only reason these "scam" stocks have a price is because your monthly money is forced into the market to bid for them. If the SIPs stop, the middlemen lose their salaries, the VCs lose their exit, and the "theft" stops.

Stop being the "Higher Bidder" for someone else's vacation home. Stop the transfer.

1. Arvind Jadhav (Independent Director, String Metaverse)

• Administrative Background: A 1978-batch IAS officer of the Karnataka cadre, Jadhav retired as the Chief Secretary of Karnataka in 2016. He previously served as the Chairman and Managing Director (CMD) of Air India from 2009 to 2011.
• Current Role: He is currently the Chairperson of the Audit Committee and an Independent Director for String Metaverse Limited.
• CBI Chargesheet (2024): In February 2024, the Central Bureau of Investigation (CBI) filed a chargesheet against Jadhav regarding alleged irregularities in a ₹225 crore software procurement deal involving IBM and SAP in 2011. The allegations claim he bypassed standard tendering procedures to select the ERP software on a nomination basis.

1. Dr. Sarat Kumar Malik (Independent Director, String Metaverse)

• Regulatory Background: Dr. Malik is a veteran of the Securities and Exchange Board of India (SEBI), where he served for 23 years (1997–2020), rising to the position of Chief General Manager (CGM). Prior to SEBI, he spent 10 years as a Research Officer and Manager at the Reserve Bank of India (RBI).
• Current Role: He serves as an Independent Non-Executive Director for String Metaverse Limited (since 2024). He also holds board positions at 5paisa Capital Limited and Spacenet Enterprises India Limited.
• Corporate Function: At String Metaverse, he is the Chairman of the Nomination and Remuneration Committee. His presence is intended to provide a regulatory shield, ensuring that capital maneuvers—such as the recent Offer for Sale (OFS) and Bonus Issues—align with SEBI governance norms.

The money follows a closed circuit. Data confirms a transition from taxpayer budgets to private equity multipliers via institutional "nodes."

1. The Shell Pivot (The Multiplier)

• RNIT AI Solutions: Pivoted from a defunct lighting shell (Autopal) with zero revenue to ₹51.50 Crore in FY26.
• The Profit Surge: Net profit jumped 66.7% to ₹12.02 Crore.
• The Valuation: Strategic HNIs (Katkars/Shah) bought in at ₹50/share in March 2026. Within 60 days, the price hit ₹78.90, creating a ₹15.21 Crore paper gain on a ₹26 Crore investment.

2. The Administrative Anchor (The Gatekeepers)

Board members provide the "Institutional Trust" needed to bypass standard market friction:

• Arvind Jadhav (Independent Director): Former Chief Secretary of Karnataka and CMD of Air India. Faces a 2024 CBI chargesheet for a ₹225 Crore software deal awarded on a "nomination basis" (no tender).
• Dr. Sarat Kumar Malik (Independent Director): A 23-year SEBI veteran (Former Chief General Manager). He provides "Regulatory Insurance" while fellow board members and promoters executed Contra Trade violations in late 2025.

3. The Revenue Valve (The State Flow)

The "AI" is the legal wrapper for state-wide mandates:

• The Mandate: Policy shifts by N. Chandrababu Naidu and Nara Lokesh (Andhra Pradesh) and D. Sridhar Babu (Telangana) mandated AI attendance.
• The Flow: State agencies (APTS/TGTS) awarded contracts for 1.3 Million students. This taxpayers' money fuels the 43.8% EBITDA margins reported by the company.

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Both the companies stole your money, converted politicians money and you are left as a bag holder.

tl;dr

SEBI Workers SIT ON THE BOARD OF A SCAM COMPANY WHICH DOES PUMP AND DUMP AND ADMITS TO CONTRA TRADING.

In May 2026, insolvency proceedings against Prime Focus Limited were admitted by the NCLT under India's Insolvency and Bankruptcy Code. What shocked investors wasn't just the admission—it was the timing. The stock had just completed a 200% rally.

Here's what actually happened.

## The Debt Problem Nobody Mentioned

Over a decade, Prime Focus debt exploded from ₹823 crore to ₹5,255 crore. That's ₹4,400 crore in new borrowing.

But the company wasn't generating enough cash to service this debt. Free cash flow was negative or barely positive for years. Interest costs alone hit ₹120-150 crore annually. The math didn't work.

By 2024, banks knew this. Refinancing became impossible. The company was on borrowed time.

The people running it knew this too.

## What They Did Instead of Being Honest

Rather than admit the problem, they waited for a narrative. In 2024, the AI boom provided it.

Prime Focus announced:

- BRAHMA AI (a new "enterprise AI platform")

- Metaphysic acquisition ($1.43 billion valuation claimed)

- Transformation into an "AI creator company"

The stock market loved it. Nobody asked if they actually hired AI researchers. Nobody asked if they published papers or built actual AI models. The word "AI" was enough.

The stock went from ₹100 to ₹330 in 18 months.

## The Transfer Mechanism

Here's where money actually moved.

While retail investors were buying at ₹250, ₹280, ₹300, ₹330—the people running the company were selling at those same prices. Institutional money fled simultaneously (FII holdings crashed from 11% to 3%).

At the same time, the company issued massive new shares in something called a QIP (qualified institutional placement). They said this money was for "growth" and "AI investments."

It wasn't.

The money was used to service existing debt. To pay interest. To refinance maturing loans. To keep the balance sheet from collapsing immediately.

Here's the result: if you owned 100 shares in 2024, by late 2025 your ownership became 39 shares of the same company. You were diluted 61%. But you didn't notice because the stock price was ₹300.

## The Numbers

Promoters captured approximately ₹5,400 to ₹6,800 crore in gains.

Let me put that in terms everyone understands:

**At current gold prices, guess the price of gold?.**

That gold came from somewhere. It came from the accounts of retail investors who bought the stock at ₹300+ believing they were investing in the future.

## What Happened Next

By April 2026, the restructuring accelerated. Assets were moved to offshore entities. A trading window closed (preventing insiders from further selling). Lenders tightened conditions.

By May 6, 2026, creditors moved to NCLT. Within weeks, insolvency was admitted.

Meanwhile, promoters had already taken their ₹6,000 crore. That's how much kg of gold? It's sitting in their accounts now. Some in London. Some in Dubai. Some converted to actual gold.

Over the past five years, people were told that long-term investing would make them wealthy. Fair enough.

But look carefully: who told you this?

The very people who profit by taking a portion of your salary on the 5th of every month. These bankers and managers are too physically weak to be farmers in India, and too intellectually deficient to code or master physics and mathematics.

So, what do they do instead?

• They pick pockets.
• They steal.
• They commit theft.

How do they do it? They sell you the illusion of future wealth while locking in their own salaries from your pocket today. Think again: if all SIPs (Systematic Investment Plans) stopped, you wouldn't necessarily lose money in the future, but these middlemen would lose everything right now.

I began peeling back the layers of mutual funds and arrived at these conclusions:

• Ask yourself: Why do you bid for anything at all?
• You bid; you don’t "buy." You buy a vegetable to eat it. You bid for a paper stock only in the hope of selling it to a higher bidder later.
• Your profit is simply the difference between your bid and a future bid—and even then, the government takes its 12.5% cut.
• Who will bid for your stock in the future? Someone from the future. But why? Either they are fooled, or they believe there will be an even higher bidder after them.

The only legitimate reason for a higher bid is if the stock becomes more valuable because its earnings increase. The oldest rule of investing is: Stocks are slaves to earnings.

Anything else is gaslighting—including the claim that long-term investing in Indian markets is "real" investing. In reality, it is often money laundering designed to provide exits for insiders while the mutual funds take their cut.

Over the last five years, retail investors have funneled ₹35,000 crore annually into SIPs for these middlemen to bid on their behalf. What did these mutual funds do? They bid for companies with "scam" EPS (Earnings Per Share).

Those stocks will never reach the EPS levels required to justify their prices. New investors will never buy them because they were fundamentally bad to begin with.

How do they gaslight you? They say:

• "So what? It’s only 0.001% of the AUM (Assets Under Management)."
• "So what? Your ₹500 SIP is meaningless."
• "So what? Retail money is too small to move the market."

But think again: the EPS of those companies hasn't recovered even after six years.

Now, wrap this into a loop: every month, these mutual funds bid for new "scam" stocks, handing your money over to the same VCs. Every month, they buy into scams and transfer the assets to new names, while the owners remain the same.

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. Paytm (One97 Communications)

• The Transfer: ₹18,300 crore transferred from your bank account to provide an exit for early VCs.
• The Result: EPS has remained negative (roughly -₹27 to -₹10) for 5 years; your transfer bought a stone that produced zero fruit.

2. Zomato

• The Transfer: ₹9,375 crore transferred from your bank account based on the promise of future hunger.
• The Result: EPS stayed negative until a tiny ₹0.40 blip in 2024; you paid a "bid" price for a harvest that barely exists.

3. PB Fintech (Policybazaar)

• The Transfer: ₹5,710 crore transferred from your bank account while the company was losing massive amounts of money.
• The Result: After 4 years of negative fruit, it finally hit a small positive EPS (₹14) only after the stock price had already collapsed.

4. CarTrade Tech

• The Transfer: ₹2,999 crore transferred from your bank account directly into the pockets of old owners (OFS).
• The Result: EPS has been flat and near-zero for 5 years; the "transfer" gave you a stone that was dead on arrival.

5. Nykaa (FSN E-Commerce)

• The Transfer: ₹5,352 crore transferred from your bank account at an insanely high "bid" price.
• The Result: EPS is a microscopic ₹0.15 to ₹0.50; you would need several lifetimes for this "fruit" to equal the money you transferred.

-- Question for you

When you give money to your friend and he does not returns, at least you can confront him,

When you take money from a banker, he confronts you and kills your kids and parents.

But when a mf manager is taking money from you and bidding for scam EPS and transferring money to the same elite circle, you are doing what? The bankers, agents, and middlemen have slaved you

You earn 100. The judges take 30, MPs and MLAs take another 10, and the RBI siphons at least 5% via TCS from your remaining savings. You’re left paying EMIs for a flat owned by a judge who acquired it for nothing. You buy a car from a showroom owned by a local politician and fuel it at a pump run by the IAS mafia.

You send your child to a school built on land owned by a lobby of judges, journalists, and factory owners who exploit child labour. You breathe air thick with ethanol fumes while the Minister’s daughter enjoys a Facebook salary in the US. You return home to eat toxic food because the local FSSAI officer was bribed to look away. After paying off the electricity mafia, the cycle repeats. As your health and finances fail, you end up in a hospital owned by yet another politician—where your insurance is denied because the IRDA has been compromised by bribes. You lose your neurons, your money, and your life."

The elite’s only goal is to keep your salary low in terms of gold. If you don't act, you will end up with nothing while they walk on carpets of gold.

Want to fix it? Here is how:

• Take your health seriously. Every hour you spend on a treadmill is a "short sell" against the private equity firms that own hospital chains. They have projected you as a future consumer just to justify billion-dollar valuations and CEO salaries.
• Stop letting judges exploit your marriage. They have already decided that your RSUs and your flat belong to them through the "legal cut" of a divorce.
• Cut out the middlemen. Agents, bankers, and fund managers produce nothing of value. They are not farmers, they are not soldiers, and they are not coders—they exist only to consume the salaries of those who actually build.
  • Remove farmers, and India starves.
  • Remove soldiers, and India is invaded.
  • Remove coders, and India goes bankrupt in a week.
  • Remove 90% of bankers and 100% of LIC agents and fund managers, and there is zero negative impact. India is more beautiful without these leeches.
• The Gold Truth: Gold’s XIRR has outperformed the Nifty XIRR since 1996. Read that again. Do not let them gaslight you with the claim that "you can't eat gold." From 2011 to 2019, the Nifty failed to beat "milk-level" inflation, even while gold was flat and crude oil was negative.

Stop entertaining these leeches. Keep buying gold. Start gym , no waling 10k steps does not count, stop being a consumer of these so called smart watches and health test apps. The real test of your health till age of 40 is ability to lift and run and starve for 46 hours without troubles.

You earn 100. The judges take 30, MPs and MLAs take another 10, and the RBI siphons at least 5% via TCS from your remaining savings. You’re left paying EMIs for a flat owned by a judge who acquired it for nothing. You buy a car from a showroom owned by a local politician and fuel it at a pump run by the IAS mafia.

You send your child to a school built on land owned by a lobby of judges, journalists, and factory owners who exploit child labour. You breathe air thick with ethanol fumes while the Minister’s daughter enjoys a Facebook salary in the US. You return home to eat toxic food because the local FSSAI officer was bribed to look away. After paying off the electricity mafia, the cycle repeats. As your health and finances fail, you end up in a hospital owned by yet another politician—where your insurance is denied because the IRDA has been compromised by bribes. You lose your neurons, your money, and your life."

The elite’s only goal is to keep your salary low in terms of gold. If you don't act, you will end up with nothing while they walk on carpets of gold.

Want to fix it? Here is how:

• Take your health seriously. Every hour you spend on a treadmill is a "short sell" against the private equity firms that own hospital chains. They have projected you as a future consumer just to justify billion-dollar valuations and CEO salaries.
• Stop letting judges exploit your marriage. They have already decided that your RSUs and your flat belong to them through the "legal cut" of a divorce.
• Cut out the middlemen. Agents, bankers, and fund managers produce nothing of value. They are not farmers, they are not soldiers, and they are not coders—they exist only to consume the salaries of those who actually build.
  • Remove farmers, and India starves.
  • Remove soldiers, and India is invaded.
  • Remove coders, and India goes bankrupt in a week.
  • Remove 90% of bankers and 100% of LIC agents and fund managers, and there is zero negative impact. India is more beautiful without these leeches.
• The Gold Truth: Gold’s XIRR has outperformed the Nifty XIRR since 1996. Read that again. Do not let them gaslight you with the claim that "you can't eat gold." From 2011 to 2019, the Nifty failed to beat "milk-level" inflation, even while gold was flat and crude oil was negative.

Stop entertaining these leeches. Keep buying gold. Start gym , no waling 10k steps does not count, stop being a consumer of these so called smart watches and health test apps. The real test of your health till age of 40 is ability to lift and run and starve for 46 hours without troubles.