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Economic Times
03-08-2025
- Business
- Economic Times
'India not needed...': Finfluencer Akshat Shrivastava shares why the next 10 years will be tough for Indian stock markets
Synopsis Akshat Shrivastava warns that Indian stock markets may face challenges due to India's limited role in the global AI race. He argues that India lacks the advantages of cost-effectiveness or a premium consumer base, hindering its participation in the AI-driven economic transformation. This innovation gap, according to Shrivastava, will negatively impact India's relative economic standing and stock market performance. Agencies Indian markets Finance educator and content creator Akshat Shrivastava has said that Indian stock markets could face a challenging next decade, arguing that India does not have a meaningful role in the global artificial intelligence (AI) race. Shrivastava linked India's future economic and market performance to its relative position in global technological began by stating that economies are shaped by innovation cycles. From Dutch shipbuilding and the UK's Industrial Revolution to US-led factory automation, he said each major economic shift has been led by disruptive technology. 'Wealth does not appear out of thin air. It is systematically build on the back of technological innovation,' he to him, AI is now becoming that next core innovation shaping the global economy—comparable to the internet boom of the late 1990s. AI is driving transformations in energy, manufacturing, learning, and computing, he said, adding that with tools like large language models (LLMs), 'anyone can technically reap the benefits of coding, without being a coder.'Explaining the global innovation structure, Shrivastava referenced the 'hub and spoke' model, where a few countries act as innovation hubs while others operate as peripheral beneficiaries. In the past, India benefited from this structure by becoming a spoke in the US-led IT outsourcing boom. — Akshat_World (@Akshat_World) However, Shrivastava suggested India is missing out in the current wave. 'China and US: are in a AI race. China has already built massive energy reserves (US is catching up). US has already built massive tech reserves (and one could argue China is catching up). This is the new arms race,' he wrote. Shrivastava raised a direct question: 'Why is India needed in this AI race?' He dismissed three possible advantages—data harvesting, cost-effective infrastructure, and a large consumer market—as either already exhausted or ineffective in India's case.'Can we lower the cost for AI infrastructure? (we have very high cost of energy and poor leakages in infra; so we can't). We can't build giga-factories. This is the reason why our manufacturing sucks,' he wrote. On the demand side, he pointed out that 'getting users to pay 20$/month is a challenge for LLMs right now.'According to Shrivastava, India lacks both a cost advantage like China and a premium-paying consumer base like the US. 'So where does India fit in the AI race?' he asked, answering that the country may see isolated economic success stories but will fall behind in global comparison.'Now of course: as the world becomes more productive. India will benefit too. That's obvious. Standard of living will improve. But, 'compared' to other countries, it will fall,' he said. He blamed 'decades of regressive economic policies, unnecessary pride and inability to look at things rationally' for the current concluded that this innovation gap will reflect in the markets. 'All this will reflect into the stock market. There is a reason why since 2020: FIIs have been consistently existing our markets,' he said, referring to foreign institutional investors reducing their positions in India. (Disclaimer: This article is based on a user-generated post on X for informational purposes. has not independently verified the claims made in the post and does not vouch for their accuracy. The views expressed are those of the individual and do not necessarily reflect the views of Reader discretion is advised.)
Time of India
16-07-2025
- Business
- Time of India
If your salary is low, Akshat Shrivastava says weekends are the most important days of the week
In a world where financial advice often feels like it's tailored for high-income earners, Akshat Shrivastava 's latest X (formerly Twitter) post offers a refreshing and grounded take on wealth-building—one that's made for the many, not the few. The INSEAD alumnus and founder of Wisdom Hatch shared a three-step formula for achieving financial stability, even with a modest salary. His suggestions aren't about overnight success or viral gimmicks, but about deliberate, mindful choices that compound over time. Be a Weekend Creator, Not Just a Consumer 'If my salary was low, here are 3 things I would start doing right away,' Shrivastava wrote, setting the tone for an introspective and action-oriented thread. His first step? Rethink how you spend your weekends. 'Switch from being a consumer to a creator,' he urges, advising people to stop passively scrolling or binge-watching and instead, begin creating—be it through writing, building, or learning. His mantra for weekends is simple yet transformative: 'Use your Saturdays for learning. And Sundays for creating/building.' It's a call to shift from idle consumption to intentional creation, slowly building skills and side hustles that can evolve into income streams. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like War Thunder - Register now for free and play against over 75 Million real Players War Thunder Play Now Undo — Akshat_World (@Akshat_World) Rethinking Education: Value Over Vanity The second point takes aim at one of the most emotionally loaded decisions for any parent—education. Shrivastava, a seasoned educator and entrepreneur himself, challenges the notion that elite schools guarantee success. 'There is no major upside to elite private education anymore,' he writes, highlighting Kendriya Vidyalayas and other low-frills schools as not only adequate but wise. You Might Also Like: Akshat Shrivastava shares 5 hard-hitting lessons to escape the middle-class trap, busts popular investing myths His take is bold, yet backed by a growing movement that favours values, effort, and parental engagement over brand-name schooling. 'Sending your kids to shiny schools might not necessarily be good,' he notes, a sentiment that resonated deeply with several netizens. Savings: The Power of a Nest Egg Finally, Shrivastava talks about the underrated but crucial step—savings. 'Some savings is better than none,' he states, emphasizing that the size of the amount is secondary to the habit of saving itself. He calls savings "iteration capital"—the freedom fund that allows people to leave toxic jobs, take sabbaticals, or even pursue passion projects. 'The benefits can't be truly captured in terms of money,' he adds. It's a compelling reminder that financial security is not just a spreadsheet goal—it's an emotional one too. Mixed Reactions, But Mostly Resonance While most netizens applauded Shrivastava's practical wisdom, reactions ranged from admiration to sarcasm. One user wrote, 'Creation > consumption. Simplicity > status. Freedom > flex.' Another quipped, 'Bro really said: Become a weekend billionaire, let your kids build character in broken benches, save from salary that vanishes on the 3rd of every month.' Yet, even amid the sarcasm, the message hit home for many. You Might Also Like: Great at coding, yet stuck with old thinking: Is India wasting its 'economic supremacy' potential? Akshat Shrivastava explains A particularly thoughtful response pointed out, 'People need to read and reread point 2. Most parents believe in shiny school = great career… even average schools can give the best results.' What makes Akshat Shrivastava's thread noteworthy is that it doesn't romanticize struggle—it rationalizes it. For anyone feeling stuck in the loop of a low paycheck and rising expectations, his three-step strategy isn't a shortcut, but a sturdy ladder. Build, rethink, save—that's the rhythm he suggests. And in doing so, he reminds us that sometimes, it's not about how much you earn—but how intentionally you live with what you have.
Time of India
12-07-2025
- Business
- Time of India
Great at coding, yet stuck with old thinking: Is India wasting its 'economic supremacy' potential? Akshat Shrivastava explains
India may have some of the world's best engineering minds, but true technological dominance remains a distant goal. Financial educator and entrepreneur Akshat Shrivastava has drawn attention to the widening gap between India's potential and its current trajectory, attributing the stagnation not to a lack of talent, but to systemic misalignments. Historical Patterns of Power and Technology In a post shared on social media platform X, Shrivastava highlighted that throughout history, civilizations that led in technology also held economic power. Citing examples from Mesopotamia and Rome to modern giants like the US and China, he emphasized that tech dominance has consistently paved the way for economic supremacy. The pattern is clear, he noted—nations that invest in and embrace innovation inevitably shape global influence. India's Untapped Talent Pool Despite having a highly skilled engineering workforce, India has not yet translated its talent into global tech leadership. Shrivastava suggested that while the nation takes pride in its technical graduates and innovation hubs, there remains a visible hesitation toward emerging technologies. As an example, he pointed out that mainstream attitudes toward blockchain and cryptocurrency remain skeptical, with many still dismissing these sectors as unstable or speculative. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Play War Thunder now for free War Thunder Play Now Undo — Akshat_World (@Akshat_World) Cultural and Structural Challenges Beyond just technology adoption, Shrivastava criticized certain old societal trends that, in his view, reflect a lack of scientific temperament. He expressed concern over the growing acceptance of pseudoscience, gambling, and astrology, suggesting these are signs of regression rather than progress. He also referenced India's reluctance to fully embrace app-based services, contrasting it with the country's ongoing reliance on traditional systems like local taxi unions. Misaligned Incentives at the Core The real hurdle, Shrivastava argued, lies in the incentives that drive political and economic decisions. According to him, while economic growth rewards forward-looking, tech-driven planning, politics often favors short-term populist moves that do not necessarily align with long-term innovation goals. This divergence, he said, is what holds India back from achieving true tech supremacy. Shrivastava's reflections come at a time when India is trying to position itself as a global tech hub, yet faces challenges in execution and policy alignment.
Time of India
09-07-2025
- Business
- Time of India
Akshat Shrivastava shares 5 hard-hitting lessons to escape the middle-class trap, busts popular investing myths
Investor and entrepreneur Akshat Shrivastava , known for his candid insights on personal finance and macroeconomics, has once again stirred a timely conversation—this time through a sharp, no-nonsense X (formerly Twitter) post about the middle-class struggle in India . Drawing from his own journey of 'escaping' the middle class, Shrivastava offers five hard-earned lessons that challenge conventional beliefs about money, investment, and success in modern India. 'Making money in India is tough': Shrivastava's financial reality check Akshat begins his thread with an unsparing truth: building wealth in India isn't just difficult—it's like trying to sprint with an anchor tied to your legs. Taxes, inflation, and a deeply layered broker economy create obstacles that go unnoticed by many. 'Earn, save, hustle—make money. Investing alone won't make you rich. So stop with the trading BS,' he writes, calling out those who rely too heavily on market shortcuts rather than building income through strategic action. His insight hits home for many in the middle class who are caught between aspiration and affordability. The dream of financial security, he suggests, won't be realized by passive investing or trading gimmicks. Instead, it demands consistent income growth, discipline, and smarter money choices. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Cardiologist Reveals: The Simple Morning Habit for a Flatter Belly After 50! Lulutox Undo — Akshat_World (@Akshat_World) Investing isn't optional; bad investing is While he calls out the illusion of quick wealth through trading, Shrivastava firmly advocates for investing—but only the kind that outpaces inflation. 'Growing your wealth at 5% post taxes, when inflation is at 10%, is stupidity at scale,' he warns. The message is clear: fixed deposits and low-yield savings aren't just outdated—they're dangerous. Without sound investment strategies, the middle class risks silently slipping toward poverty, despite earning and saving regularly. Be contrarian and break away from the herd Perhaps his most provocative advice is to think differently. Shrivastava urges people to be contrarian in their financial strategies, particularly when it comes to mainstream products like SIPs and mutual funds . While these tools are often pushed as safe long-term investments, he suggests they may not be enough to generate transformative wealth. 'It might very well become the new ULIPs,' he writes, alluding to the once-popular insurance-linked investment plans that fell out of favor due to hidden costs and underperformance. You Might Also Like: Akshat Shrivastava once earned Rs 10,000 per month. Now saves 95% of his income, thanks to one rule The parasite of the Indian economy Shrivastava takes aim at what he calls India's 'broker economy,' where intermediaries at every level—from real estate to finance—shave off value from individual earnings. 'They eat into everything like parasites,' he notes. His advice? Cut the middlemen wherever possible—be it in buying property, investing in stocks, or starting a business. The digital age offers tools for direct access—it's time the middle class starts using them. See the problem, solve the problem, and stay realistic His final lesson leans into mindset but with a hard edge. 'Being positive does not mean living in la-la land,' Shrivastava says. Instead, it means acknowledging the systemic flaws, finding practical solutions, and moving forward with resilience. In a world saturated with motivational fluff, his brand of realism strikes a rare balance between hope and hard truth. A voice of experience Akshat Shrivastava's credentials lend weight to his words. An INSEAD alumnus and founder of Wisdom Hatch , he has built multiple businesses and mentored hundreds of students into top global universities. His background in strategy, consulting, and investment positions him as more than just an influencer—he's a seasoned financial thinker who understands both the global economy and the Indian middle-class psyche. His X thread may be hard to digest for some, but perhaps that's precisely what makes it necessary. In an economy where the rules are constantly shifting and the margins of error are slim, Akshat's brutally honest advice offers not just financial guidance—but a mirror. You Might Also Like: Akshat Shrivastava on exam race in India: 'There is life outside IIT/ UPSC/ CAT/ NEET. Your talent could be used to...'
Time of India
10-06-2025
- Business
- Time of India
The ₹1 crore illusion: Why financial advisor Akshat Shrivastava says your money won't be worth what you think in the future
Imagine owning a 2BHK flat valued at ₹1 crore. Now imagine that, a year later, without any damage or market crash, its value drops to ₹90 lakh. That kind of loss would feel devastating to most people. But according to finance educator Akshat Shrivastava , this is exactly what's happening to your wealth every year—only it's not as visible. In a post on X, Shrivastava wrote, 'Imagine that your 2BHK flat is worth ₹1 crore. The next year, its value falls to ₹90 lakh. How would you feel? I guess pretty bad, right? What if I tell you: this is actually happening—without you even taking a note of this.' — Akshat_World (@Akshat_World) His point is not about real estate prices falling. It's about the value of money itself quietly eroding over time. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Air strikes, Operation Sindoor answer to those imposing war on country: CM Yogi Adityanath The Economic Times Undo The real culprit: Currency devaluation Shrivastava explains that the real threat to your wealth is currency devaluation . This isn't just about the rupee weakening against the dollar. It's about your money losing its ability to buy the same things it could a year ago. Over time, this loss in purchasing power adds up. One of the main reasons for this, he says, is that governments can print money whenever they choose. And they often do. After the COVID-19 pandemic, for example, the United States printed nearly 20% of its total money supply in just one year. While this helped stimulate the economy in the short term, it also flooded the system with cash, pushing prices up and reducing the value of existing money. Live Events Inflation is quiet, but it's costing you When more money is chasing the same amount of goods and services, prices naturally rise. This is inflation in action. And it's not just a theoretical concept—it affects your everyday life. Shrivastava breaks it down clearly, 'If the rate of money printing is 10%, and your post-tax deposit rate is 6%, your money is losing 4% of its value each year.' In simpler terms, if you're keeping your money in a savings account or fixed deposit, and inflation or money printing is rising faster than your interest earnings, you are effectively becoming poorer over time. Your money may appear to grow on paper, but in reality, it buys you less. Why most people don't notice or care Despite the seriousness of the issue, Shrivastava believes that most people remain unaware or indifferent. He attributes this to a lack of financial education and a general disinterest in economics. 'People don't protest. Because most of them don't bother with economics. Cricket and politics keep them busy,' he said. This lack of awareness allows inflation to quietly erode wealth year after year, without most people even realising it. How to defend your wealth To protect against this slow but steady loss, Shrivastava recommends investing in assets that tend to hold or increase in value over time. These include stocks, high-quality real estate, gold, and Bitcoin. 'Stocks, (good quality) real estate, gold, and Bitcoin are all hedges,' he said. However, he also cautions that these investments are not risk-free. Timing matters. Buying the right asset at the wrong time can still lead to poor returns. To illustrate this, he offered a real-world example, 'If you would have bought BTC on its 2021 high, you would have made 0% returns for 3 years—even though its 10-year CAGR is 88%.' This means that even assets with strong long-term performance can deliver flat or negative returns if purchased without proper analysis or timing. The bigger problem: Knowing how to invest properly Shrivastava believes that the real challenge is not just choosing the right assets, but knowing how to invest wisely. This includes understanding when to buy, how to evaluate value, how much to invest, how much cash to keep for emergencies, and when to take profits. 'Most people don't know how to execute these points: what assets to buy when, how to analyse value, how much to buy, how much cash to keep, and how to book profits,' he explained. Without this knowledge, even the best investment options can fail to protect your wealth. Practical advice for everyday investors Shrivastava's advice is straightforward and practical. He encourages people to diversify their investments rather than keeping all their money in one place. He also stresses the importance of learning about economics and financial planning, even if it seems complex or dull at first. He advises against chasing trends or hype, urging people to focus on value and long-term growth instead. Most importantly, he reminds us that building wealth takes time and discipline—but losing it can happen quickly if we're not careful. Shrivastava's message is clear and urgent. Inflation is real. Currency devaluation is happening. And if you're not paying attention, your savings may already be worth less than you think. 'Every year, their wealth keeps going down—in real terms,' he warned. The solution is not panic, but preparation. Stay informed. Invest wisely. And don't let your money sit idle while the world around it changes.
