dilchahtahai: June 2025

Sunday, June 29, 2025

20 Dividend Stocks for next 20 Years

Dividend Stocks for next 20 years:

ABBV
AVGO
AXP
BHP
CAT
COST
ELV
GRMN
HD
MAR
META
MSFT
O
PEP
PGR
QCOM
SBUX
SPG
T
WM

Saturday, June 28, 2025

What is Business?

In earlier blogs, we explored some fundamental questions like: What is money? Where is money? These may sound simple, but understanding them helps us see how the world operates. And once we begin to grasp how the world works, it becomes much easier to understand how the stock market works too.

At the heart of the stock market are businesses. So, a natural next question is:

What is a business?

I’m not asking for a dictionary definition—you can find that anywhere. I’m asking you to think about it in your heart.

Here’s a simple way to see it:
If you buy something for $8 and sell it for $10, you have the potential for a business. But it’s not a true business until you can do this repeatedly, and consistently, to a group of customers. Once you can do that, you have a business.

Of course, there’s much more to building a real business, but this is the core idea. This is exactly how Warren Buffett started as a child. He would buy 10–15 newspapers and deliver them house to house, making a small profit on each one. By the age of 9 or 10, he was already learning how business works—and that understanding was key to his future success.

When we invest in the stock market, it’s essential to understand what business a company is in, and whether that business has a future.

Again, what is a business?
Buying something for $8 and selling it for $10 is a start, but it isn’t a monopoly or a defensible business since you are simply reselling something you didn’t create. Anyone else can potentially do the same thing.

Now, compare that to a restaurant that creates a unique biryani from scratch and sells it. It isn’t a true monopoly (others can also make biryani), but if your recipe creates loyal customers, you have something unique—a small moat around your business.

Contrast this with a liquor store or a shoe store, where you’re buying and reselling products without adding much unique value. It’s not as defensible, and competition can easily undercut your prices. However, even these “simple” businesses require skill, capital, and hard work. It’s not easy.

In fact, running a business is incredibly difficult:

1 million businesses shut down in the U.S. every year.
1.2 million new businesses open annually, showing the spirit of entrepreneurship, but many fail:
- 20% fail within the first year.
- 50% within five years.
- 65% within ten years.

Why do so many businesses fail? Because expenses are relentless and profit margins are thin.

Think for a moment: Can you list five common business expenses?
If you can, you already have a decent understanding of how businesses operate.

Some of these expenses include:

Salaries for employees
Rent for your store or warehouse
Utility bills (electricity, internet, etc.)
Insurance
Office supplies
Marketing costs
Accounting and tax services

And there are many more.

If your business isn’t adding unique value, your margins will stay small. If you buy something for $8, you may only be able to sell it for $10 or $11. If you try to sell it for $12, competitors will undercut you quickly, limiting your pricing power.

This is why many businesses fail.

Now, shifting gears back to the stock market, let’s talk about understanding businesses at a high level.

Most businesses operate in one of two ways:
1️⃣ They sell products (physical goods).
Examples: Nike sells shoes. Coca-Cola sells beverages.

2️⃣ They sell services (non-physical offerings).
Examples: Netflix offers a subscription streaming service. Uber provides ride services.

A few exceptional businesses do both, and these are often stronger investments:

Apple sells you an iPhone (product) and then offers Apple Music, iCloud, and other subscriptions (services).
Tesla sells cars (product) and also offers software subscriptions for self-driving features (service).
Home Depot sells home improvement products and offers installation services.
Best Buy sells electronics and provides installation and support through Geek Squad.

Businesses that can combine products and services often have stronger, more resilient business models and can create additional revenue streams while building customer loyalty.

Thank you for reading (or listening). Understanding what a business truly is, and how it survives and grows, will make you a much better investor—and will help you see the stock market not just as numbers on a screen, but as a collection of living, breathing businesses you can understand, evaluate, and potentially own for the long term.

Thursday, June 19, 2025

The Compounding Crew !!!

🏡 Welcome to The Compounding Crew!

https://chat.whatsapp.com/CEYyDNEWicp4X1g98SF8IO

This is a community for people passionate about building long-term wealth through smart investing, market insights, and shared learning. We’ve organized it into focused groups so you can easily find what fits your interest:

📈 Stock Discussions 🇺🇸📊

The original and most active group for real-time market talk, stock ideas, and Q&A.

🏦 Viral’s Long Term Investing

High-conviction, long-term stock picks from Viral, with performance updates to inspire and educate.

📰 Viral’s News & Views

Handpicked market-moving news, analyst upgrades/downgrades, and Viral’s perspective on key developments.

📊 Viral’s Options Flow/Picks

Options trades, call/put flows, LEAPS, and smart derivatives strategies shared by Viral.

⚡️ Viral’s Trade Tracker

Short- to mid-term trades with entry points and charts—showing what was bought and why, based on setup and conviction.

📚 Knowledge Vault

A read-only archive of books, blogs, market notes, motivational content, and timeless investing wisdom curated by Viral.

🏀 Sports & Chill

Game banter, sports talk, and casual fun with like-minded investors.

💬 Community Lounge

For off-topic discussions, general chat, and community bonding.

🚀 Let’s grow together!

If you’re enjoying the community, please invite friends or family members who are genuinely interested in finance, markets, or building wealth. The bigger we grow, the stronger we compound—together.

📘 Group Guidelines for Asking Questions – Please Read Before Posting

Hey everyone – I truly appreciate your curiosity and eagerness to learn. That’s exactly how we grow as a community. So yes – please ask questions! But to keep things smooth, relevant, and useful for all 400+ of us, here are some simple guidelines to follow:

✅ 1. Avoid Personal DMs

Please do not message me directly with stock or trade questions. If everyone did that, I’d never survive 😅
Ask in the group — your question might help others too. I’ll respond when I can.

🔍 2. Search Before Asking

Before posting, please search the group for the ticker or topic. Your question might’ve already been answered recently. Saves time and avoids repeat discussions.

📄 3. Check Pinned Info / Blogs First

If your question is about how I trade, invest, or use tools — check the group description, pinned messages, or blogs. Many FAQs are already answered there.

📚 4. Do Some Homework First

Before asking, please show a bit of effort. For example:

“Saw heavy PLTR puts expiring next week – thinking of exiting. Your thoughts?”
“NVDA chart looks weak — worth a quick trade short-term?”

This helps me give you better, quicker feedback.

🧠 5. Trading ≠ Investing – Be Clear

Always mention your intent:

Are you a trader (looking for 1-day, 1-week, or 1-month move)?
Or an investor (1-year, 3-year, 10-year view)?

Clarity helps everyone give you the right perspective.

Also: if you don’t have separate accounts for trading and investing, PLEASE consider doing that — it’s critical for clarity and success.

⏰ 6. Avoid Long-Term Questions During Trading Hours

During live markets, let's focus on real-time setups and trades.
If you’re not planning to act today, ask your question after market hours or on weekends.

🏷 7. Use a Tag for Questions: #AskViral

Please tag me and use something like #AskViral so I can come back to it later if I miss it during a busy session.
This way, I can easily find and answer it during evenings or weekends.

🙏 Thank you for being part of this community. Let’s keep learning and helping each other — and please help me help you better by following these simple steps.

– Viral

Saturday, June 14, 2025

1 Winner is greater than 10+ Losers in Long Term Investing

Top 10 Losers Total = $9341 ; Top Winner: PLTR: +$19437. In the long run, 10 years plus, Your Top Winner will cover up losses from 100's of losers. IF YOU DO NOT SELL (winners or losers).

As of June 14, 2025.

Updated Recurring Buy Lists for the year 2025

As of June 14, 2025, Following tables shows the daily recurring buy list for 200 Plus Stocks.

Top 200 Stocks in My Robinhood Portfolio by Allocation (%)

Below are the top 200 stocks in the Robinhood investment portfolio, ranked by percentage allocation (based on dollar amount): Date: 14, June, 2025.

PLTR
CVNA
NVDA
NFLX
CRWD
UBER
SE
QQQ
MELI
TOST
SPY
FXI
INDA
DKNG
ERJ
COST
IWM
RBLX
HOOD
NET
SHOP
SPOT
AMZN
META
SMCI
APP
OKTA
MSTR
CMG
AFRM
ABNB
DASH
BABA
GRMN
AXP
NU
SOFI
Z
QYLD
CROX
TTWO
COIN
HIMS
ONON
MAR
TSLA
BAC
ANET
RYLD
COF
CELH
CHWY
PSEC
C
EXPE
SBUX
MNDY
DECK
PANW
MDB
TTD
ROOT
CYBR
MOH
BA
SPG
PYPL
AMBP
SCHD
LRCX
FND
JEPQ
BIDU
DIVO
ISRG
ASAN
T
WING
ON
NIO
DAL
QCOM
LYFT
WDAY
BJ
PTON
O
UPST
CFG
ZS
WHR
SNPS
TPR
DKS
FOUR
BYD
NCLH
WYNN
ABBV
TWLO
QQQJ
HUBS
DPZ
PEP
LULU
HD
PINS
ZIM
JD
AXON
DIS
COMM
FDX
PATH
WM
KWEB
H
BHP
NOW
DDOG
VEEV
AI
SHAK
TEAM
ULTA
D
NTR
TGT
MTCH
CPNG
MGNI
ROKU
REAL
OSCR
LYV
MDT
CRM
BOOT
ETSY
LMND
DBX
NTES
ELV
ENPH
DOCU
MU
AVGO
FUTU
PGR
HUM
BROS
XPEV
PFE
DXCM
RUN
OUT
BKNG
TKO
HLT
TXT
RIVN
IQV
XYZ
U
YELP
ZM
MCHP
AMD
FROG
PDD
GOOGL
BGS
NOC
TXRH
TSCO
JOBY
NLY
MATV
DOCS
CWH
GPC
APPS
MMM
DUOL
NEE
ADBE
TLT
RCL
DHI
OXY
SNOW
KTOS
PAGS
DGX
BMBL
BLDR
LLY
FTNT
UPS
BL

Sunday, June 8, 2025

Introduction to the Whatsapp Group

Hi everyone, and thank you for joining the group/Community:

(https://viralpatel15.blogspot.com/2025/06/the-compounding-crew.html)

A quick intro — my name is Viral Patel. I live and breathe the stock market — it's a genuine passion of mine. I've been trading and investing for a long time now. Like many, I’ve had my fair share of ups and downs — especially with options, where I once ended up with just $5 left in my Robinhood account. That experience forced me to rethink my entire approach and reverse-engineer a strategy that actually works.

Back then, I could only afford "peanuts," and in 2021, I made a lot of random buys (remember when ROKU was $400?). But 2022 brought incredible buying opportunities — NVDA, SMCI (back when it was $8, pre-split), PLTR at $8, and more. A simple dollar-cost averaging approach helped me ride those picks into a strong 2023 and 2024.

Of course, markets are cyclical. Whether we’re entering another bear phase or not, I keep things simple: I buy small amounts every day — automatically set up through Robinhood — and I don’t plan on selling my core holdings anytime soon. I fully expect some losers, but so far, my big winners have more than made up for them.

One key strategy that’s helped me: I keep two separate accounts — one strictly for long-term investing (never selling), and another for trading. In my trading accounts (yes, I have multiple), I do everything from day trading to swing trades and even longer holds. I don't always care what the company does — if the chart looks good, I’m in and then I’m out. I also trade options, mostly LEAPS.

In this group, I’ll share what I’m buying, sometimes the reasoning behind it, along with any news, insights, or strategies that might help us all grow. I’m also a huge cricket fan, so expect the occasional cricket post too.

Some of my friends here have known me for 25 years — they won’t hesitate to pull my leg, and honestly, I wouldn’t want it any other way. But if you're new, please be kind! 😄

Feel free to ask questions !!!

One request to everyone - Things get extremely busy during “Trading Hours”; That is in between 9.30 to 4.00. I am doing lot of multiple things at a time. I also have a Day Job (which means meetings and pings and actual work etc), I am following through on news, checking chart of a stock in a multiple time frame (hourly, daily, weekly, monthly), checking options flow, checking various other technical parameters (such as relative volume, RSI), also monitor stock related news (Geo Political or what stable genuis has to say and what not)…So I understand you have a question, but try to have that after hours, so I dont get distracted answering it. Unless it is a very slow day with nothing much happening.

I spend 80 hours a week in the market (no kidding), I am mostly aware of what is happening in the market and why it is happening…or at least I have a theory or logic about it. I can be wrong too. Also when I a stock lands in my hand, I have to decide, whether it is good for long term (then it goes in the investing bracket) vs trading bucket. Within Trading, whether I want to trade it through options or buy stocks. Do I want to buy a Leap or monthly option. There is a lot that goes on behind every trade I take. I share 80% of it (as long as I am confident, it can benefit someone else), There are risks I take (such as yolo SPX options on daily basis or ER trades (I try not to), but that I wont share, because thats just coin toss, You never know its going to work or not.

When time permits, please read some of these blogs written by me:

https://viralpatel15.blogspot.com/2021/03/stock-market-beginner-advice.html

https://viralpatel15.blogspot.com/2022/01/ideal-allocation-of-money.html

https://viralpatel15.blogspot.com/2024/08/building-stock-portfolio.html

https://viralpatel15.blogspot.com/2022/04/my-favorites-stock-compilation-list.html

https://viralpatel15.blogspot.com/2022/05/ronald-read-robinhood-portfolio.html

https://viralpatel15.blogspot.com/2022/12/robinhood-portfolio-recurring-buying.html

https://viralpatel15.blogspot.com/2023/12/2023-portfolio-performance.html

https://viralpatel15.blogspot.com/2023/12/2024-stocks-picks.html

https://viralpatel15.blogspot.com/2024/12/stock-picks-2025.html

https://viralpatel15.blogspot.com/2024/12/list-of-stocks-with-highest-allocation.html

https://viralpatel15.blogspot.com/2025/05/stock-options-portfolio-rules.html

https://viralpatel15.blogspot.com/2025/04/5-are-actually-million-dollars.html

https://viralpatel15.blogspot.com/2025/04/1-million-to-invest-today-for-10-years.html

https://viralpatel15.blogspot.com/2024/12/where-can-we-learn-about-stock-market.html

https://viralpatel15.blogspot.com/2024/10/big-tech-25-trillion-valuation-by-2030.html

https://viralpatel15.blogspot.com/2025/05/book-chapters-or-youtube-sessions.html

HAVE A SEPARATE TRADING and INVESTING ACCOUNT.

I know it is a big question - whether you are a trader or an investor, and it will take probably years to find the true answer. Not everyone is a good trader, and not everyone is a good investor. Very difficult to do both. You dont have to decide, you are a trader or investor, but least you can do is have 2 separate accounts. One for Trading and One for Investing. Accounts are free to open and it will clear lot of confusion in your mind.

The ones you buy for “Investment” —> have a life long committment to that. If not entire life - at least very very long term - 20 years if possible …10 may be…Least you should do is buy it for 5 years. Buy only those company shares, which you know them well. The Usual Suspects…Apple, Google, Meta, Microsoft, NVDA, Costco, Nike, Pepsi, Target, Disney …bla bla bla…not all but the ones that you like but at least you know that company is not going to closed down in 5 or 10 years….Most will be there for next 20.

The other Risky ones —> You buy them in a “Trading” account. Some times longer dated trade like 12 months, 24 months, 3 years….some short dated. Once a stock is in your trading account for more than 12 months, may be you like that stock…such as Uber, or Robin Hood or Palantir, and if you understand that company better, then you can move it to Investment account/category.

Now about Trading —> use this mantra: “TREND IS YOUR FRIEND”….If it is not trending, not worth buying it…For example: Air Bnb might be a good stock or good company, but its not trending for last 12 months, it will be sideways…Just ignore it until it is trending. Secondly, Learn to read Chart. At a very least, you should know about moving averages. Its just one thing. It will take only 15 minutes to learn it. Learn it. It will be very helpful.

Saturday, June 7, 2025

Book Chapter introduction

What is money?

If you ask different people, they will have different answers related to this, but more or less, they will fall in the categories of below 10 responses.

Money is power.
Money makes the world go round.
Money doesn’t buy happiness, but it pays the bills.
Money talks, everything else walks.
Money is a mirror—it reflects who we are and what we value.
Money is the root of all problems—and solutions.
Money comes and goes, but expenses never stop.
Money is a tool, not the goal.
Money is survival in today’s world.
Money isn’t everything, but it sure makes life easier.

In my humble opinion, With money comes financial freedom—and the peace of mind that relieves most of life’s stress.

Where is money?

Nowadays, nearly every Hollywood blockbuster begins with a sweeping aerial shot—hovering above cities, landscapes, or oceans—to give the audience a wide-angle view of the world they’re about to enter. Similarly, before diving further, it helps to zoom out and look at the big picture: Where is the money actually concentrated in our world today?

What follows is a high-level overview—a financial "drone shot," if you will—of global and U.S. economic assets and flows. While many of these numbers may seem familiar, when viewed together, they offer a much broader perspective of how wealth, debt, and value are distributed across sectors.

These are roughly estimated figures as of June 2025, pulled from the most recent available data and credible sources.

130 Trillion in Entire World “Bond” Market.
110 Trillion in Entire World Stock Market.
55 Trillion in US Housing Market
52 Trillion in USA Stock Market
50 Trillion in USA Bond Market.
36 Trillion USA Govt Debt
27 Trillion GDP United States.
26 Trillion US Commercial Real Estate:
14.5 Trillions is total worth of Gold in the entire World.
14.5 Trillions in IRA Accounts.
10.2 Trillions in Wages each year in USA.
8 Trillions in 401K accounts
7.3 Trillions in US Corporate Profits
6.7 Trillions in Money Market Funds.
6.5 Trillion United States Govt Spending
4.6 Trillion United States Govt Revenue
2.74 Trillions worth of total CryptoCurrency in the world.
2.3 Trillions US dollars in circulation.
2.1 Trillions in US Students Debt
1.6 Trillions in Credit Card Debt
1.5 Trillions in US Car Loans Debt

• • 0.5 Trillion worth of Gold Reserve in USA

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