Investing Essentials

  🇺🇸 Is the U.S. a “Dead Economy”? A Deep Dive into Debt, Dependency, and Decline The United States has long been the engine of global capitalism, a beacon of innovation, and the issuer of the world’s reserve currency. But beneath the surface of its $26 trillion GDP lies a troubling reality: a national debt of $36.9 trillion , a debt-to-GDP ratio of ~139% , and a growing reliance on borrowed money to sustain its economic heartbeat. Is the U.S. economy still thriving—or is it quietly becoming a zombie economy , animated by debt but hollowed out by unsustainable practices? 📉 The Anatomy of American Debt 1. Debt Explosion The U.S. debt has grown fivefold in 20 years , ballooning from ~$7 trillion in the early 2000s to nearly $37 trillion today. The government borrows $6.6 billion per day , just to stay afloat. Interest payments alone are projected to exceed $1 trillion annually by 2026 , rivaling defense spending. 2. Who Funds the U.S.? Source Amount % of Total Debt Domestic Invest...

🇺🇸 The Ripple Effect of U.S. Tariffs in 2025: Who Really Pays the Price? As the Trump administration doubles down on tariffs in its 2025 trade policy overhaul, global supply chains are feeling the heat — and so are American wallets. From automobiles to avocados, nearly every import is affected. But are tariffs really leveling the playing field? Or are they just shifting the cost burden elsewhere? Let’s break it down — country by country, sector by sector — and uncover who truly pays for protectionism . 🌍 Top Exporting Countries to the U.S. (2024)           🌎 Rank Country Import Value (USD) Key Export Sectors 1           China      $438.9B           Electronics, Furniture, Apparel 2           Mexico      $505.9B           Automobiles, Agriculture, Machinery 3      ...

📈 Growth vs. Profit: The HDB Financial Services FY25 Puzzle HDB Financial Services (HDBFS), a high-growth NBFC backed by HDFC Bank, posted a 19% jump in its loan book —crossing ₹1.03 lakh crore in FY25. However, its profit after tax (PAT) slid approximately 11–12% , largely due to rising provisioning and weakening asset quality. Let’s unpack the numbers and what they mean for investors: 1. Loan Book & Interest Income Surge Loan portfolio reached ₹1,03,343 crore, up 19.2% YoY ( ipocentral.in , indiaipo.in ). Interest income soared 24% to ₹13,835 crore ( ipocentral.in ), supporting strong top-line growth. The loan book is wide-ranging, including enterprise, asset finance, and consumer loans, and serves over 1.9 crore customers across 1,771 branches ( unlistedzone.com , ipocentral.in ). 2. Profit Dip & Rising Provisioning PAT dropped to ₹2,176 crore from ₹2,461 crore (-11.6%) ( stockmarkets.co.in ). Provisions nearly doubled to ₹2,113 crore , reflectin...

🛡️ 2025: The Year of the Defence Boom — What It Means for Global Security and Your Portfolio Global tensions—ranging from cyberattacks and Iran–Israel escalation to NATO–Russia stand-offs—are triggering an unprecedented surge in defense spending worldwide. Global military budgets jumped to $2.7 trillion in 2024 , marking the sharpest rise since the end of the Cold War ( sipri.org ). Europe led the charge with a 17% boost in spending , hitting $693 billion; Israel’s defense outlay rose 65% to $46.5 billion, the highest annual surge since 1967 ( sipri.org ). This isn’t just about bigger armies—it’s about modernized arsenals, cyber warfare capabilities, and tech-driven systems . NATO members have committed to ramping up defense budgets to 5% of GDP by 2035 , a goal the U.S. championed ( theguardian.com ). Who’s Buying What—and Why Governments are securing advanced capabilities—and forging strategic partnerships: 🇵🇱 Poland is acquiring state-of-the-art fighter jets and...

  Why the Israel-Iran Conflict Isn’t Shaking Indian Investors Global markets are on edge. Crude oil prices have surged, gold has crossed ₹21 lakh/kg, and uncertainty is brewing across financial ecosystems. Yet, Indian equities have remained impressively stable. Is this investor complacency? Not at all. It’s a reflection of India’s structural resilience and strategic positioning . No Iranian Oil = No Immediate Shock India hasn’t imported crude oil from Iran since 2020 due to U.S. sanctions. For Indian markets, this conflict doesn’t introduce a new variable—it revives an old one that’s already been priced out. With zero direct reliance on Iranian oil , India has no immediate energy supply shock. The market sees it as a distant geopolitical flashpoint, not a domestic disruption. Russia Has Replaced Iran—At a Discount India has quietly restructured its oil import strategy. As of 2025, 35–40% of India’s crude oil comes from Russia, offering both reliability and deep discounts ...

  🚀 The RETT Technique: Build a Trading System That Actually Works Most traders lose money not because technical analysis doesn’t work—but because they don’t have a reliable, data-backed system. Over the years, I’ve developed a simple yet powerful 4-step framework to build trading systems that perform in bull markets, bear markets—even during recessions. I call it The RETT Technique. Let’s break it down. 🔍 R – Read Trading Books with Backtested Results Start by studying books that offer concrete rules and verifiable backtests —not just vague theory or motivational fluff. Why this matters: 📘 You get a real working framework—saving you months of trial-and-error 📊 You gain confidence through credible, tested data 👨‍🏫 The author’s reputation is on the line, ensuring higher quality content As you read multiple such books, you’ll start noticing recurring principles behind successful strategies. That’s your cue to move to the next step. 🧠 E – Extract the Cor...

  Why Most Traders Lose Money with Technical Analysis (And How to Fix It) Technical analysis promises precision. With tools like RSI, MACD, Fibonacci retracements, and Stochastic indicators, it seems like you should be able to beat the market. And yet… most traders still lose money. Why? Because indicators alone don’t make you profitable. How you use them—and whether you follow a system—matters more than the tools themselves. Let’s break down the real reasons traders fail, and how you can flip the script. ❌ Mistake #1: Trading Without a Plan No plan = chaos. Most traders obsess over the perfect entry , thinking it’s the key to success. But markets are unpredictable, and the truth is: 👉 Perfect entries don’t exist. What really matters is what you do after you’re in the trade. Ask yourself: What if the trade goes against me? When will I take profits? What’s my stop-loss strategy? What happens after a big win or a streak of losses? A good trading plan answers a...

  Swiggy vs. Zomato: Unlocking Growth & Profitability in India’s Food-Tech Market Introduction India’s food-tech industry is one of the fastest-growing and most dynamic sectors today. Fueled by rapid digital adoption, changing urban lifestyles, and the rise of e-commerce, it has become a hotbed of innovation and investment. At the center of this transformation are Swiggy and Zomato , two titans that have redefined how India eats. While both platforms are synonymous with convenience and scale, their business models, financial performances, and expansion strategies differ significantly . This article dives deep into their operations—covering everything from revenue streams and quick-commerce dynamics to unit economics and investment risks—helping investors assess where the real value lies. Market Overview: The Rise of India’s Food-Tech Sector India’s online food delivery market is poised to surpass $30 billion by 2030 , growing at a CAGR of 15% . Several macro and structur...