SMC Global Securities Limited

📊UPI Market Share Snapshot (Dec '24) PhonePe leads the digital payments race with a dominant 48% share, followed by Google Pay at 37%, and Paytm trailing at 7%. The remaining 8% is split between Navi, CRED, and others. 🚀As India's UPI ecosystem continues to grow, market https://t.co/dLcRM2PZfR

4️⃣Choose the Right Instruments Here’s your investing toolbox: Mutual Funds → For hands-free investing Direct Stocks → If you enjoy deep dives REITs/Gold → For diversification & safety International ETFs → To own Google, Apple, Amazon 👉Match tools to your goals & skills

5️⃣Start Small — But Start NOW Even ₹500 or ₹1,000 is enough to begin Use RCA (Rupee Cost Averaging) to beat volatility 🔷Don’t wait for the perfect time 👉Time in the market > timing the market https://t.co/AoyZohOJoR

Bonus Tips (for peace of mind) Build an emergency fund (6–12 months of expenses) Get term + health insurance Don’t check your portfolio daily Stay patient — compounding takes time

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6️⃣Monitor, Rebalance, Repeat 📆Review your portfolio every 6 months If equity grows from 60% → 80%, rebalance it Reinvest dividends Stay consistent 👉Your portfolio needs maintenance—just like your health

3️⃣Decide Asset Allocation 🥳This is where the real magic happens This is how you split your money across: • Equity • Debt • Gold/REITs • Cash Asset allocation > Stock picking 👉It’s your financial GPS — ignore it and you’ll get lost https://t.co/RJ7JcGD6vM

2️⃣Understand Your Risk Profile There are 3 types of investors: 🔹Conservative → Prioritizes capital safety (FDs, debt funds) 🔹Moderate → Balanced risk-reward (mix of equity & debt) 🔹Aggressive → Chases high returns (stocks, crypto) Use an online profiler or just ask: https://t.co/OyazpvpucF

👉Discipline is your unfair advantage If you learned something new: 🔁Retweet to help others Like to stay financially prepared Reply if you want a beginner-friendly portfolio breakdown!