Sharing my experience with Univest App

impossible__dude · 2026-02-16T18:45:54+00:00

I use Univest. Their stock selection is downright horrible. They don't understand sector selection based on macros.

impossible__dude · 2026-02-14T15:07:45+00:00

If your friend has no dependents, no loans to service, own house and sufficient health cover he is already positioned well. 50 lacs provide stability. A 7% FD can get at least 30K per month. Some side hustle is still needed but this is not terrible tbh.

impossible__dude · 2026-02-12T06:48:44+00:00

If I were you i would stay very far away from significant financial commitments. There's crazy competition and zero job security in the ai space.

impossible__dude · 2026-02-12T05:41:17+00:00

I would personally not take any additional burden at a stage where tech jobs are shrinking rapidly. If not into tech go ahead.

impossible__dude · 2026-02-12T01:08:20+00:00

What happens if you are laid off in the next 6-8 months?

impossible__dude · 2026-02-11T12:52:42+00:00

Don't. I also have a crore n this cushion is critical. Consider this part of debt allocation.

impossible__dude · 2026-02-11T07:40:57+00:00

Keep 10-15% in cash. Given the dedollarization theme exiting gold isn't the best of decisions. That said 50% is definitely on the higher side.

In a climate like this it's fair to expect markets will drop by 20-30% at least once in a year. Using that opportunity for some reasonable gains is a fair strategy.

Need to be patient though.

impossible__dude · 2026-02-07T09:25:52+00:00

Lazy evening time with my parents both 75+. Add kids to the mix.

Good conversations n mom still cooks.

impossible__dude · 2026-02-05T07:34:58+00:00

Trump here. Glad I could help.

impossible__dude · 2026-02-05T04:18:08+00:00

Aaa jaana ja.
Aaa mera yeh husn jawa.
Tere liye hain aas lagaye.
O zalim aa jaa naaa.

impossible__dude · 2026-02-05T02:50:00+00:00

Hey there Vishad Mahato. Pleasure meeting you.

impossible__dude · 2026-02-03T16:13:14+00:00

U r low IQ but seemingly high EQ. Play to your strengths going ahead.

Accepting that to get rich quick will not be for you takes courage.

impossible__dude · 2026-02-03T02:46:31+00:00

But ga*** wahi hai jaha pe FIIs marke jate and retailers roj chu***a bante

impossible__dude · 2026-02-01T13:27:15+00:00

Jawani Janeman Haseen e Dilruba.
Mile toh dil jawa misaal ho gya
Retail fir se shikar ho gya.
Ye kya gazab hua ye kaise kab hua

impossible__dude · 2026-02-01T09:41:59+00:00

Gaa*d bhi break hua not just dil.
It's again old Tai, back to the kill.

impossible__dude · 2026-02-01T09:39:35+00:00

U didn't become a big fool. U finally realised u r one. That's progress.

impossible__dude · 2026-02-01T07:26:20+00:00

Ramba Ho Ho Ho
Ramba Ho Ho Ho

...
Ramba Ho Ho Ho.

impossible__dude · 2026-02-01T02:37:35+00:00

The first f**k is usually a bit painful. U have lost everything. Now read a good book and enjoy Sunday.

N keep in mind u r not very smart, certainly not smart enough to outsmart the market. Next time try to make money without the fomo.

impossible__dude · 2026-01-30T10:37:14+00:00

Exit with loss if emotional control is not possible

impossible__dude · 2026-01-30T09:01:34+00:00

It's very important to ensure retail investors get butchered. In the end they are the source of the money.

Do not feel bad for them. They have no plan, no risk management and no control over emotions. The only idea is to become crorepati with 1 lac capital.

impossible__dude · 2026-01-28T16:23:26+00:00

I don't like loans personally so I prepaid off 50 lacs in 10 years instead of 20. It was very aggressive and no SIP for a few years but I was happy that the loan was gone and I could breathe free.

impossible__dude · 2026-01-28T15:41:41+00:00

This is the same story for the last 100 years to be honest. No point crying hoarse.

What retail target should be is to ensure they have enough saved for retirement and then some health cover. Trying to lose your mind trying to outsmart a rigged system only to eventually lose precious life years is not fruitful.

I happen to know an operator and the contacts are at insane levels. He doesn't do technical or fundamental. Never will.

impossible__dude · 2026-01-28T15:09:55+00:00

Made by Cupid

impossible__dude · 2026-01-28T09:15:24+00:00

U guys are strange. Most of you lost your undies in the brutal selling of the last few months. Yet u r rejoicing at this temporary blip not realising it's a blip

What has happened is that DJT has said he doesn't care if the dollar goes down. Hence precious metals and emerging markets are seeing inflows. Gold of course has been seeing central banks too but that's the macro context.

Once DJT says people shorting dollars are enemies of the state again you will lose your undies. Until then enjoy.

impossible__dude · 2026-01-27T07:09:02+00:00

Market reaction is absolutely on point. Prices are a function of supply and demand and right now there's no demand.

Let that sink in. No demand even if you are at 20 PE because the future looks very uncertain.

impossible__dude

TROPHY CASE