Amit Upadhyaya

🚨 Is the Thematic Mutual Fund Hype Finally Over? 🚨

If you’ve been tracking mutual funds in FY26, there’s a massive shift happening right now. Inflows into Sectoral and Thematic Funds have completely collapsed—crashing by a staggering 97% in recent monthly tracking to just ₹170 crore (down from over ₹5,700 crore!).

Here is what’s going on behind the scenes:
1️⃣ NFO Drought: The madness of constant New Fund Offers (NFOs) has dried up. Without shiny new themes to chase, investor interest has cooled off.
2️⃣ Aggressive Profit Booking: Smart money is moving. Redemptions have surged significantly as investors lock in gains from previous bull runs.
3️⃣ The Shift to Safety: Investors are rotating their money out of high-risk, concentrated sectors and moving back into diversified equity like Flexi-Cap, Multi-Cap, and Large-Cap funds.

💡 The Takeaway: Financial experts are warning retail investors to limit thematic/sectoral exposure to just 10-15% of their portfolio. Core allocations should stay in diversified funds.

Are you still holding onto thematic funds, or are you moving to diversified options? Let me know in the comments! 👇

1 day ago | [YT] | 19

Amit Upadhyaya

Check out my latest Podcast with PowerUp Money -

https://youtu.be/E3AKKWtR7Ss?si=mbHTW...

1 week ago | [YT] | 4

Amit Upadhyaya

Friends, This is a very critical video for Indian Stock and Mutual fund investors. You will understand if Indian market is really fair valued or not right now. And what path should investors should take -


https://youtu.be/CXVhwGR-uUo

2 weeks ago | [YT] | 7

Amit Upadhyaya

Friends, global investing is becoming important for long term investors, and the right app is the most critical start. A wrong app can limit your choices. So check out this exhaustive video on the best Apps for Global Investing. It's a must watch.

https://youtu.be/Hmu1d5G2eU4

1 month ago | [YT] | 8

Amit Upadhyaya

Friends, you asked for it, I made it!

I have created a video on the most asked Funds on my channel. This is not just a review of funds but a framework to analyse any fund.

https://youtu.be/q_j0_2TqzwQ?si=qkWhc...

1 month ago | [YT] | 13

Amit Upadhyaya

Trying something new ! 🕒

Friends, for a long time, I’ve shared my videos on Thursday evenings. However, I’ve noticed a pattern: many of you dive into these learning and finance topics during the weekend when you have the "fresh brain" space to focus.

The experiment? I’m moving this week's video to Saturday morning.

My goal is to catch you right as the weekend starts, rather than catching you at the end of a long work week. I want to see if this helps the video stay "fresh" in your feed exactly when you're ready to watch.

Quick question for you—when is your favorite time to catch my deep dives?

1 month ago | [YT] | 8

Amit Upadhyaya

Today's market has given a great run-up due to the ceasefire announcement.

Nifty 50 - +3.95%
Nifty Small cap - +3.97%
Nifty Small cap - +3.91%

No one knows whether this rally will continue or not, only time will tell.

But events like today can help you understand your portfolio in a better way.

Open your MF (tomorrow morning) or Stock portfolio (even now) and check, compare to the Index, how your portfolio has performed. Has it done better than Index, worse than Index or is it in line with it?

If it has done better or worse, try to find a reason. Like in my case, it was 4.71% up because -

1. I had rotated some money into some quality and beaten-down stocks
2. I had exposure to the defensive sector, like Banking and Finance, which rebounded faster - BankNifty - +5.6%

It's a good opportunity to learn more about your portfolio and the consequences of your investment choices. Mutual NAVs will be reflected tomorrow, and at that time, you can do a similar analysis on your MFs and see if your MF portfolio is also in line. Upside capture is a very important part of portfolio construction. When markets go up, your portfolio should do better than the broad index. This tells how good a portfolio construction you have done.

Build the habit of using positive and negative momentum to learn more about your investments.

Share your findings. I would love to see how this community performed today.

1 month ago | [YT] | 17

Amit Upadhyaya

🚀 Help me build the future of this Channel !

One year ago, this channel was a one-person experiment. Today, 55,000+ of you trust this platform for financial decisions. To take our research, simulations, and insights to the next level, I am looking for my first core team member.

Role: Financial Research & Growth Partner (Open for Internships too!)
Location: Pune (Preferred for in-person ideation) / Hybrid
Experience: 0–2 Years

What you’ll do:

Run deep-dive simulations (SIP vs. Lumpsum, market cycles, etc.)
Decode SEBI/RBI trends and macro-economics.
Turn raw data into the "Math" behind our video scripts.
Leverage AI tools to stay ahead of the curve.

Who you are:

Deeply curious, data-obsessed, and a first-principles thinker. Whether you're a student (Intern) or a young professional (Partner), if you love digging into Excel and financial data until it makes sense, I want to hear from you.

Why Join?

Direct mentorship, total ownership of your work, and a front-row seat to building a top-tier finance brand in India. No corporate 9-to-5 grind—just high standards and big goals.

How to Apply:

Send your 1-Page CV + a brief intro on why finance interests you to:
📧 teamamitupadhyaya@gmail.com

Subject Line: YT Financial Research Partner – [Your Name] [City]

Let’s build something much bigger. Forward this to someone who’s a perfect fit!

1 month ago | [YT] | 65

Amit Upadhyaya

Aaj mujhe apna next video ka script complete karna tha.
Bilkul mann nahi kar tha.

Camera ke saamne baithna, script sochna — sab kuch heavy lag raha tha.
Tab socha — kya main sirf motivation pe chal raha hoon? Agar haan, toh bahut mushkil hoga.


Sach yeh hai — motivation toh aata jaata rehta hai. Jo cheez mujhe roz show up karati hai woh hai ek purpose.

Ek aur insaan tak financial independence ka message pahunchana. Ek aur subscriber jo pehli baar sochega apne paison ke baare mein.

Motivation ne start karaya. Purpose ne jaari rakha.

Maine yehi seekha hai, aap jo bhi bana rahe hai — habit, investment portfolio, koi skill — sirf motivation pe mat chaliye.

Ek purpose dhundhiye.

Purpose he hai, jo hard days mein kaam aata hai.


Anyway — back to the script. 😄

1 month ago (edited) | [YT] | 78

Amit Upadhyaya

The Income Tax Act, 2025, officially kicks in today — and for corporate employees, this isn't just a routine update.

It brings some fundamental changes. It can make your April Salary look slightly different.

So here's the breakdown I wish someone had sent me when I was navigating my first major tax change as a salaried professional.

✅ The changes that actually work in your favour

1️⃣ Metro expansion for HRA
If you live and pay rent in Bengaluru, Hyderabad, Pune, or Ahmedabad, you now qualify for the 50% HRA exemption.
Earlier, only Delhi, Mumbai, Chennai, and Kolkata got this.
→ A meaningful tax saving.

Finally, Pune gets promoted to Metro 🙂

2️⃣ Children's education allowance: ₹100 → ₹3,000/month
Hostel allowance: ₹300 → ₹9,000
Meal vouchers: tax-free up to ₹200 per meal
→ Leads to further tax savings.
→ These numbers hadn’t moved in decades.

Took a while, but ₹100/month was never going to educate anyone. 🙂

3️⃣ Full & Final settlements within 2 working days
Anyone who has left a job knows the anxiety of chasing dues.
→ That changes now.

My HR friends won’t be thrilled about this one 🙂

⚠️ The changes that will need some adjustment

1️⃣ The 50% Basic Pay rule
Basic must now be at least 50% of CTC.
→ Retirement corpus improves
→ In-hand salary may dip slightly

2️⃣ Company car perquisite
Taxable value revised upward
→ Check your TDS

But the real impact is not in the rules.
It’s in how you respond to them.

🛠️ Three things worth doing this week

1️⃣ Revisit old vs new regime
Don’t carry forward last year’s decision blindly

2️⃣ Review your flexible benefits
Most companies won’t optimise this for you

3️⃣ Do a quick cash flow check
Higher PF → lower in-hand → adjust SIPs/EMIs if needed

If your payslip surprises you this month,
spend 20 minutes fixing it — not 11 months adjusting to it.

1 month ago | [YT] | 27