Amit Upadhyaya

Check out this podcast with PowerUp Money. I have shared my key learnings on FIRE .

https://youtu.be/W3OhOuExhHI?si=DFq5a...

8 hours ago (edited) | [YT] | 3

Amit Upadhyaya

Your parents can help you save taxes!

Most of us spend hours researching which mutual fund to invest in. Very few think about how it's taxed and who owns it.

Sometimes, that decision quietly makes a difference years later.

Let's decode this with a simple story.

Meet Yash and Kartik.

Yash invests ₹50,000 every month into an equity mutual fund.

Kartik does something slightly different.
His father is a retired school teacher living in a village. Every month, Kartik sends him ₹30,000 for household expenses. His parents live a simple life and don't need all of it, so around ₹20,000 typically remains after expenses, which his father chooses to invest in an equity mutual fund in his own name.

At the same time, Kartik invests ₹30,000 every month in an equity mutual fund in his own name.

After 3 years (assuming a 12% annual return), here's where they stand:

Yash
- Invested: ₹18.0 lakh
- Portfolio Value: ₹21.54 lakh

Kartik's Family
- Kartik: Invested ₹10.8 lakh → Portfolio Value: ₹12.92 lakh
- Father: Invested ₹7.2 lakh → Portfolio Value: ₹8.62 lakh

- Combined Family Portfolio: ₹21.54 lakh

Now imagine the market remains completely flat for the next year. No gains. No losses. Time simply passes, and both decide to redeem their investments.


- Yash pays around ₹28,600 in capital gains tax.
- Kartik's family pays around ₹13,000.

Why? Because the long-term capital gains exemption is available separately to Kartik and his father, as the investments are held in their respective names.

Same wealth. Nearly half the tax.

The mutual fund didn't create this difference.

A financially aware family—and good tax planning—did.

Sometimes, the smartest investment decision isn't choosing a better mutual fund. It's understanding how the rules work and planning around them.

Note: This concept generally does not work the same way for a spouse or a minor child, because the clubbing provisions may apply, causing the investment income to be taxed in your own hands instead.

This is a simplified educational illustration based on the current LTCG rules for equity mutual funds (including the ₹1.25 lakh annual exemption). Tax laws and individual circumstances vary, so consult a Chartered Accountant or tax professional before implementing any strategy.

#DecodedByAmit

3 days ago | [YT] | 36

Amit Upadhyaya

India's biggest-ever IPO... where will most of Jio's IPO money go?

1 week ago | [YT] | 10

Amit Upadhyaya

There is a lot of Buzz around the Jio platform IPO. In this post, we have decoded the JIO platform IPO in a simple and actionable way that is easy for retail investors to understand.

Please share your comments and understanding about this.

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1 week ago | [YT] | 38

Amit Upadhyaya

After spending the last two years deep in the personal finance rabbit hole, I’ve realised something unexpected: I’ve actually become less certain, not more.

But look at any comment section or finance debate, and you’ll see the exact opposite. Everyone is desperate to pick a side.

It’s always Global vs. India, Equity vs. Gold, Active vs. Passive, or App X vs. App Y. And once people pick a camp, they defend it as their lives depend on it.

I used to think this was just pure overconfidence, but now I think it’s just about comfort. Belonging to a tribe gives you emotional safety, lowers your cognitive load, and hands you a ready-made identity. You don’t have to question your portfolio every day because your "camp" has already decided what's right.

The problem is that the real world doesn't care about our camps. Valuations, technology, and investor behaviour are constantly changing.

If you actually want to grow—both in investing and in life—you have to get comfortable sitting in the grey. And let's be honest, the grey sucks. It’s uncomfortable. It requires you to constantly learn, question yourself, and admit when you're wrong.

That’s exactly why I don't try to hand out easy answers in my content. I’d rather help people think.

Because answers change, the ability to think doesn't.

1 week ago | [YT] | 67

Amit Upadhyaya

How do you file your tax returns?

And share how satisfied you are with your approach. Any pros and cons of your approach, do share with others also.

And if you haven't filed your returns, then once watch my latest video on tax saving techniques on Mutual Fund investments. Some tricks can be useful to you.

https://youtu.be/2kLJFvYxork

1 week ago | [YT] | 9

Amit Upadhyaya

Is India’s power sector entering a permanent boom—or are we missing the bigger picture? 🤔⚡

With global tech giants pouring billions into Indian data centres, power and energy stocks have been surging. But there's a heavy resource cost attached to this growth that rarely gets talked about.

I’ve decoded the entire trend in this carousel—from the massive market drivers to a critical reality check. Swipe left to check it out and let me know your take in the comments! ➡️

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2 weeks ago | [YT] | 38

Amit Upadhyaya

Fed Results Out! Rates Held Steady, but what does it mean to you ??

Policymakers hint at rate hikes ahead. Here is what it means for your portfolio.

Date: 18th June 2026

####### DecodedByAmit #########

In our last post, we hinted that the Fed would hold rates steady. And that's exactly what happened.

--- KNOW THIS BEFORE YOU READ AHEAD ---

Before we dive into the results, here is some quick context:

• Meeting Schedule: The Fed meets exactly 8 times a year, once every six weeks. Today was the 4th meeting of 2026.
• The Decision Makers: It's not one person deciding the rates. There are 19 FOMC members, and 18 submitted their rate forecasts this time. The new Chair, Warsh, played it carefully and did not submit his.
• The "Dot Plot": This is a chart where each Fed policymaker anonymously marks where they think interest rates will be at year-end. Think of it like a vote, but with dots instead of hands.

--- WHAT HAPPENED YESTERDAY? KEY TAKEAWAYS ---

Here is a breakdown of the actual announcements and market reactions:

• Rates Held Steady: The rate remains at 3.50%–3.75%—exactly as expected, by a unanimous decision.
• Dot Plot Shifted "Hawkish": The committee is leaning towards tightening, not easing. The median rate forecast for the end of 2026 moved up to 3.8%, meaning a rate hike is now on the table for the remaining 4 meetings.
• Hike Expectations: 9 out of 18 policymakers now see at least one rate hike this year. Traders are pricing in a possible hike as early as October.
• Inflation Forecasts Spiked: Inflation estimates were revised sharply higher—from 2.7% (in March) to 3.6% (in June) for 2026.
• Market Reaction: US markets reacted immediately with a drop. The Dow fell 410 points, the S&P 500 was down 1%, and the Nasdaq fell 1.3%.

(Note on the Dot Plot: More members now expect a rate hike before 2026 ends. That's exactly what is making the markets nervous.)

--- WHAT DOES THIS MEAN FOR US IN INDIA? ---

Foreign Institutional Investors (FIIs)—the big global investors who move thousands of crores—have already been pulling money out of India. Just in the last three months alone, they sold over ₹2.5 lakh crore worth of Indian stocks.

Yesterday's Fed tone gives them even more reason to continue. The logic is simple: When US bonds give safe, decent returns—and now with the possibility of rates going even higher—why would a global fund take the risk of staying in India? They'd rather park their money safely in America.

The Chain Reaction to Watch:
• FII Outflows Continue -> Selling pressure builds on Indian stocks.
• Rupee Stays Under Pressure -> The dollar strengthens as money flows back to the US.
• Imports Get Costlier -> A weaker rupee means higher import costs, which quietly pushes up prices at home.

--- AMIT'S TAKE ---

This is not a reason to panic and sell. India's fundamentals are not shaken. However, things may stay a little uncomfortable for Indian markets for a while. We are not expecting the return of FIIs very soon.

At the same time, this hawkish approach will keep a strain on US companies' budgets, which means IT spending will remain muted. No doubt that Indian IT stocks opened negatively after this news. So IT recovery is still far.

We'll keep decoding this for you as it unfolds.

#DecodedByAmit

3 weeks ago | [YT] | 39

Amit Upadhyaya

Why the Fed Meeting in Washington Should Matter to You

Over the last few months, you may have noticed two things in the news. Foreign investors have been selling Indian stocks, and the Rupee has been losing value against the Dollar. Most people treat these as two separate headlines, but they actually come from the same place — the US bond market.

--> Why money is moving to the US

Right now, US government bonds are giving returns of 4-5%, and they are among the safest investments anywhere in the world. So a large global investor naturally asks a simple question — why take on the risk of putting money into a market like India when the US is offering similar or better returns with almost no risk attached? That question alone explains a large part of why money is leaving emerging markets like India and heading back to the US.

--> Why are US returns so high in the first place?

The reason is inflation. For the last couple of years, the US central bank (the Fed) kept interest rates high on purpose, because higher rates make borrowing and spending more expensive, which slows the economy and eventually brings prices down. That approach has worked reasonably well, but it came with a side effect — it made US bonds far more attractive, and that pulled in money from across the globe.

The Fed is now in a tough spot
Raise rates any further, and the US government's own debt becomes more expensive to service, which is a problem since the country is already carrying a massive amount of debt. Cut rates too quickly, and there's a real risk that inflation creeps back up before it's properly under control. Caught between these two outcomes, the Fed has mostly chosen to do neither — for now, it's simply waiting and watching.

--> What today's meeting actually tells us

Most market participants expect interest rates to stay unchanged in today's meeting. What people are really watching isn't the decision itself, but the language the Fed uses afterwards — whether they hint at future rate cuts, and how they're reading inflation and growth. Closer to home, the RBI is dealing with a fairly similar challenge of its own, with inflation, oil prices, and global uncertainty leaving it little room to make any bold moves. Both central banks, for now, seem to be choosing caution over action.

--> Why this matters to you

Money tends to move toward wherever it gets better returns, and right now that place is the US.
As long as US bonds stay this attractive, foreign investors are likely to keep allocating more capital there instead of markets like India, which can mean
** Slower returns for Indian equities in the near term and continued pressure on the Rupee.
** A weaker Rupee makes all dollar-priced imports costlier in rupee terms, which means pressure on the Indian economy

--> The bigger picture

A policy meeting happening in Washington might seem completely disconnected from your daily life in India, but it really isn't. The global financial market is interconnected through currency markets, bond yields, and foreign investment flows, and eventually to your portfolio and your monthly budget. That's the kind of interconnected market we're all investing in today.

Share your views in the comments.

Keep watching this space for more such commentary that matters to you.

3 weeks ago | [YT] | 20

Amit Upadhyaya

Quiz 1 - What percentage of Nasdaq companies' revenue comes from outside the US?

3 weeks ago | [YT] | 21