When Everyone Is Selling, I’m Doing This
by Neeraj Arora, a finance educator & co-founder of LEARNN CLUB
I’ve lost ₹1.5 crore in the last 16 days.
And I’m not selling a single rupee.
Here’s why:
In 2022, I watched people panic-sell the day Russia invaded Ukraine. Portfolios emptied overnight.
12 months later, Nifty was up 20%. Those same people? Still sitting in cash. Regretting.
₹95,00,00,00,00,000 wiped out in a single day. That’s 95 lakh crore. In 24 hours.
Sensex down 1,460 points in a day.
HDFC Bank hit a 52-week low.
My phone hasn’t stopped buzzing. “Neeraj sir, should I exit?”
I get it. I’m staring at the same red screens you are. The pit in your stomach? I feel it too.
But no. And I’ll tell you exactly why.
There’s a pattern called the “War Puzzle” that nobody talks about:
Markets don’t crash because of war.
Markets crash because of the fear before war.
The moment conflict becomes real , markets normalize it. Every single time.
Gulf War? Crashed before. Rallied after.
Russia-Ukraine? Crashed before. Rallied after.
This war? You’re living in the “before” right now.
The ceasefire will come. It always does.
And when it does, the rally will be violent.
The only people who’ll miss it are the ones who sold today.
Your portfolio isn’t broken.
Your patience is being tested.
There’s a difference.
I broke down the complete thesis in my latest episode of The Money Podcast powered by PowerUp Money.
♻️ Send this to one person who called you asking if they should sell.
How does this work?
You subscribe to my write-ups. (No cost at all)
Check your email after subscribing.
Shift “The Money Podcast” From Promotion or other tabs to your Main Inbox
Check whether The Money Podcast is in the promotion tab.
Click and Drag it to your Inbox.
Click yes on Do this for future Dialog box at the bottom left.
Also - add themoneypodcast@substack.com to your contacts in your email account