74 episodes

We talk about money because your friends and family won't.

In this podcast, two friends figure out money as they reach their late-20s. We have learned to invest by reading books, listening to podcasts, watching videos, and making mistakes. They are here to discuss these ideas with everyone.

There is a stigma around the topic of money, people don't want to discuss finance. We believe it's important to not only discuss finance but also master it.

We will be talking about budgeting, scheduling, investing in stocks, bonds, index funds, valuation, and a lot more all while sipping on coffee!

Cold Brew Money Atit Kothari and Tapan Desai

    • Business
    • 5.0 • 5 Ratings

We talk about money because your friends and family won't.

In this podcast, two friends figure out money as they reach their late-20s. We have learned to invest by reading books, listening to podcasts, watching videos, and making mistakes. They are here to discuss these ideas with everyone.

There is a stigma around the topic of money, people don't want to discuss finance. We believe it's important to not only discuss finance but also master it.

We will be talking about budgeting, scheduling, investing in stocks, bonds, index funds, valuation, and a lot more all while sipping on coffee!

    #73 - Warren Buffett, Charlie Munger, Michael Burry, And Mohnish Pabrai Are Buying These Stocks!? Super Investors 13F Filings For Q3 2021!

    #73 - Warren Buffett, Charlie Munger, Michael Burry, And Mohnish Pabrai Are Buying These Stocks!? Super Investors 13F Filings For Q3 2021!

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    Episode Start: 03:07

    US (source: https://dataroma.com )

    India (source: https://trendlyne.com/portfolio/superstar-shareholders/index/ )

    Previous Episodes:

    Q1 2021: https://coldbrew.money/47-what-are-the-billionaires-and-guru-investors-buying/

    Q2 2021: https://coldbrew.money/60-what-are-the-superinvestors-buying-in-q2-2021-u-s-a-india/

    Useful links:

    All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

    About Cold Brew Money: https://coldbrew.money/about/

    All Cold Brew Money Episodes: https://coldbrew.money/episodes/

    Cold Brew Money Tools: https://coldbrew.money/tools/

    Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

    Hosts:

    Atit Kothari: https://kothariatit.com/

    Tapan Desai: https://tapandesai.com/

    Atit’s Newsletter: https://atitkothari.substack.com/

    Tapan’s Newsletter: https://tapandesai.substack.com/

    Contact Us:

    Twitter: https://twitter.com/coldbrewmoney

    Instagram: https://www.instagram.com/coldbrewmoney/

    Disclaimer:

    The information in this video is general information only and should not be taken as constituting professional advice from Atit or Tapan. Atit and Tapan are not financial advisers. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances. Atit or Tapan are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this video.


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    • 26 min
    #72 - Five Lessons From The Psychology Of Money By Morgan Housel | Book Summary

    #72 - Five Lessons From The Psychology Of Money By Morgan Housel | Book Summary

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    Episode Start - 04:16

    Morgan Housel - Morgan Housel is a partner at The Collaborative Fund and a former columnist at The Motley Fool and The Wall Street Journal

    Lessons:

    1. Freedom

    2. Getting Wealthy vs. Staying Wealthy

    3. Wealth is what you don't see

    4. Confounding, Compounding

    5. It's a different game

    Useful links:

    All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

    About Cold Brew Money: https://coldbrew.money/about/

    All Cold Brew Money Episodes: https://coldbrew.money/episodes/

    Cold Brew Money Tools: https://coldbrew.money/tools/

    Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

    Hosts:

    Atit Kothari: https://kothariatit.com/

    Tapan Desai: https://tapandesai.com/

    Atit’s Newsletter: https://atitkothari.substack.com/

    Tapan’s Newsletter: https://tapandesai.substack.com/

    Contact Us:

    Twitter: https://twitter.com/coldbrewmoney

    Instagram: https://www.instagram.com/coldbrewmoney/

    Disclaimer:

    The information in this video is general information only and should not be taken as constituting professional advice from Atit or Tapan. Atit and Tapan are not financial advisers. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances. Atit or Tapan are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this video.


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    • 25 min
    #71 - How Much Money Do I Need For Retirement? Fireside Chat On Elon Musk Selling $TSLA Stocks & Web 3.0

    #71 - How Much Money Do I Need For Retirement? Fireside Chat On Elon Musk Selling $TSLA Stocks & Web 3.0

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    Timestamps:

    00:00 - Happy Diwali!

    01:07 - Elon Musk’s poll for selling $TSLA and solving world hunger with $6 Billion

    03:03 - Discussion on Web 3.0 and decentralised banking

    10:34 - How much money do you need to retire?

    Twitter Thread by 10-K Diver on the topic: https://twitter.com/10kdiver/status/1363230660479967232?s=20

    Article on Financial Freedom: https://www.lynalden.com/financial-freedom/

    Summary:


    Key idea 1: Set a financial independence goal. For example, "to amass a $2.5M portfolio in the next 20 years"
    You can arrive at this goal by making reasonable assumptions about expenses, inflation, withdrawal rates, etc.
    Key idea 2: Figure out what combinations of Saving (S) and Investing (I) will get you from your current state to your goal.
    Key idea 3: Periodically track your progress towards the goal.
    From time to time, you may need to modify the goal itself.
    After all, deciding on the goal is not an exact science. And a large part of it is based on personal preferences and circumstances, which can change over time.

    Useful links:

    All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

    About Cold Brew Money: https://coldbrew.money/about/

    All Cold Brew Money Episodes: https://coldbrew.money/episodes/

    Cold Brew Money Tools: https://coldbrew.money/tools/

    Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

    Hosts:

    Atit Kothari: https://kothariatit.com/

    Tapan Desai: https://tapandesai.com/

    Atit’s Newsletter: https://atitkothari.substack.com/

    Tapan’s Newsletter: https://tapandesai.substack.com/

    Contact Us:

    Twitter: https://twitter.com/coldbrewmoney

    Instagram: https://www.instagram.com/coldbrewmoney/

    Disclaimer:

    The information in this video is general information only and should not be taken as constituting professional advice from Atit or Tapan. Atit and Tapan are not financial advisers. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances. Atit or Tapan are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this video.


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    • 33 min
    #70 - Ray Dalio's Framework to Hedge For Inflation

    #70 - Ray Dalio's Framework to Hedge For Inflation

    In this episode we discuss:


    What is Inflation?
    What Causes Inflation?
    How inflation is measured
    Hyperinflation
    Strategies to use during high inflation

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    Timestamps:

    00:00 - Introduction

    01:00 - What is Inflation?

    05:00 - How is Inflation measured?

    08:00 - Reasons for Inflation

    10:00 - Average Inflation

    11:30 - Hyperinflation

    15:00 - Hedging against Inflation

    22:15 - Conclusion

    Resources:

    https://www.investopedia.com/terms/i/inflation.asp

    http://www.econpi.com/

    Useful links:

    All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

    About Cold Brew Money: https://coldbrew.money/about/

    All Cold Brew Money Episodes: https://coldbrew.money/episodes/

    Cold Brew Money Tools: https://coldbrew.money/tools/

    Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

    Hosts:

    Atit Kothari: https://kothariatit.com/

    Tapan Desai: https://tapandesai.com/

    Atit’s Newsletter: https://atitkothari.substack.com/

    Tapan’s Newsletter: https://tapandesai.substack.com/

    Contact Us:

    Twitter: https://twitter.com/coldbrewmoney

    Instagram: https://www.instagram.com/coldbrewmoney/

    Disclaimer:

    The information in this video is general information only and should not be taken as constituting professional advice from Atit or Tapan. Atit and Tapan are not financial advisers. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances. Atit or Tapan are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this video.

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    • 25 min
    #69 - Book Summary: Coffee Can Investing Formula

    #69 - Book Summary: Coffee Can Investing Formula

    Timestamps

    00:00 - Introduction

    3:55 - Coffee Can Investing

    8:30 - Philosophy

    12:55 - Expenses

    16:00 - Coffe Can Formula

    20:30 - Sales Growth

    22:00 - Return on Capital Employed

    25:45 - Summary

    27:00 - Putting it into Practice

    29:00 - Coffe Can Companies

    Notes:

    Kirby, in a note written in 1984,5 narrated an incident involving his client’s husband. The gentleman had purchased stocks recommended by Kirby in denominations of US$5000 each but, unlike Kirby, did not sell anything from the portfolio. This process (of buying when Kirby bought but not selling thereafter) led to enormous wealth creation for the client over a period of about ten years. The wealth creation was mainly on account of one position transforming to a jumbo holding worth over US$8,00,000 which came from ‘a zillion shares of Xerox’. Impressed by this approach of ‘buy and forget’, Kirby coined the term ‘Coffee Can Portfolio’, a term in which the ‘coffee can’ harks back to the Wild West, when Americans, before the widespread advent of banks, saved their valuables in a coffee can and kept it under a mattress.

    The Coffee Can Portfolio: Robust returns with a low degree of uncertainty

    Saurabh Mukherjee: Saurabh Mukherjea is the Founder and Chief Investment Officer of Marcellus Investment Managers. Current portfolio INR 5700 crores in Feb 2021.

    5 Key Take-Aways:

    Philosophy: 

    There is an overwhelming dominance of physical investments like gold and real estate in most Indian households’ portfolios. 88 percent of an Indian investor’s wealth is in gold and real estate, a dominance not seen in any other large economy of the world. Unlike the stock markets in some developed countries, the Indian stock market has very few great companies that sustain leadership over long periods of time. Coffee Can Portfolio using a simple construct: we use straightforward investment filters to identify ten to twenty-five high-quality stocks and then leave the portfolio untouched for a decade.

    Expenses:


    Transaction fees: Also called brokerage, it is the fee you end up paying every time you enter a transaction.

    Annual fees: This is more typical of funds (like mutual funds and PMS) wherein the fund manager charges an annual fee which can actually be paid on a monthly or quarterly basis as well.


    Hidden fees: In insurance products and structured products, it is not easy for investors to understand exactly what fees are being charged. In structured products,2 for example, the investor could be given a formula for the return on his principal but that is really the net return in his hands.

    Coffe Can Formula

    Sales Growth in double digits

    Return on Capital Employed

    Resources:

    GDP and other macro indicators: https://coldbrew.money/28-macro-indicators/

    https://www.reading.guru/coffee-can-investing-by-saurabh-mukherjea/

    https://www.moneylife.in/article/the-buy-and-forget-of-coffee-can-portfolio-forget-it/53221.html

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    • 31 min
    #68 - Ten Investing & Personal Finance Books That Everyone Should Read!

    #68 - Ten Investing & Personal Finance Books That Everyone Should Read!

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    Timestamps

    Rant on the weather (oops): 00:00

    Category - Personal Finance: 3:15

    - Total Money Makeover or I Will Teach You To Be Rich: 3:29

    - Money: Master The Game: 06:05

    - Automatic Millionaire: 8:44

    Category - Investing Philosophy: 10:02

    - Dhandho Investor: 10:15

    - Richer Wiser Happier: 12:52

    - Psychology of Money: 15:31

    Category - Investing, Valuing Business: 17:14

    - Rule #1 Investing:  17:30

    - Coffee Can Investing: 19:15

    Category - Investing (Advanced): 22:10

    - Bogleheads Guide to Investing: 23:37

    - Intelligent Investor: 24:50

    Honorary Mentions: 26:15

    Summary: 29:37



    Useful links:

    All Streaming Platforms for Cold Brew Money Podcast: https://coldbrew.money/links/

    About Cold Brew Money: https://coldbrew.money/about/

    All Cold Brew Money Episodes: https://coldbrew.money/episodes/

    Cold Brew Money Tools: https://coldbrew.money/tools/

    Buy Us A Coffee: https://www.buymeacoffee.com/coldbrewmoney

    Hosts:

    Atit Kothari: https://kothariatit.com/

    Tapan Desai: https://tapandesai.com/

    Atit’s Newsletter: https://atitkothari.substack.com/

    Tapan’s Newsletter: https://tapandesai.substack.com/

    Contact Us:

    Twitter: https://twitter.com/coldbrewmoney

    Instagram: https://www.instagram.com/coldbrewmoney/

    Disclaimer:

    The information in this video is general information only and should not be taken as constituting professional advice from Atit or Tapan. Atit and Tapan are not financial advisers. You should consider seeking independent legal, financial, taxation or other advice to check how the information relates to your unique circumstances. Atit or Tapan are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this video.


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    • 31 min

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