Wise Investment Discussion
Despite all advantages, there’s never been a harder time to invest. There are too many choices, and there’s too much noise. We assume that more choice is always good. Our brains certainly tell us so.…
Blog
SIPs In Investing
SIP stands for Systematic Investment Plan. As the name suggests, it helps the investor allocate funds in a smart and disciplined manner. Timing the markets is a difficult task, but SIP eliminates that worry. With…
Financial Freedom
Create a system when it comes to investing. One of the simplest systems you can create is to view expenses as what is left are saving. Income-savings should be equal to expenses and not the…
ART OF INVESTING
A). Don’t get swayed by the calls of others. A long-term investor should never take his cues from a short-term investor or a trader. B). There is no one rational price to a stock. C).…
Investors Take Control
There are five key aspects of investing… Risk =Not knowing what you are doing Cost =Broking commission + Financial planning fee + loads structure + Administration fee + Subscription fee for magazines, stock research +…
Blame VS Responsibility
It is really easy to blame others for your financial problems. If someone else is at fault then you can avoid taking any action indefinitely. Blaming others look to the past. Taking responsibility looks to…
Preparing for a Profit Booking
Welcome to the October 2021. Robert Kiyosaki’s ‘Rich Dad, Poor Dad’ played a big role in triggering my interest in the world of money and finance. I am sure this is the case with quite…
Healthy Correction For Strong Bull Market
From last 2 months, there was a disconnect between the Sensex returns and portfolio returns. Good gain by Sensex and Nifty for 2021, yet many investors’ portfolios did not see a similar kind of buoyancy.…
Media and Analysts are rationalizing animals
I am often seen as a critic of media and sell side analysts. they promote what’s infancy and demote what’s falling off the cliff no, they don’t have any foresight, they rationalize what could have…
Don’t Be Afraid of the Market Crash
Last few months I am talking about profit booking at the index level, over the last few weeks, index starts showing the same. This isn’t because I had some insight into what the market was…
Myth–My money will be locked in mutual funds like other products
any investors think that in mutual funds their money is locked for a specific period. in case of mutual funds, most of the funds are open-ended funds, which means that you can invest any time…
Investing rules from John Templeton
John Templeton is one of history’s most famous and down-to-earth investors. The Templeton Growth Fund, which he launched in 1954, was made public in 1959. At that time, it had 5 funds and $66 million…
Sahi Advisor Jaruri Hai
After Roti, Kapda and Makaan (food, cloth and shelter), people must prefer buying insurance policies for protection and may look at mutual funds for savings. After demonetization, the corona pandemic has once again made many…
A Systematic Investment Plan
Everyone has dreams and goals—a new car, a bigger house, a family vacation to an exotic destination, and so on. But it is possible to achieve your dreams only if you work actively towards them.…
Keep the Powder Dry
Cash is like oxygen in a market crash. The opportunities to deploy additional cash may be limited. Plus, trying to time market is absolutely futile. However, you can have a very calibrated approach of allocating…
Secrets your bank will never tell you
Sharing my learning from 12 years in banking industries a to guide common people.Here are few secrets your bank will likely never tell you Bank employees are seriously stressed: A investigation into employees at five…
You are your biggest enemy
You will get different answers depending on whom, and when, you ask. In 1999, risk meant making less money than someone else. What many people feared was bumping into someone who was getting richer than…
Expect volatility and profit from it
When Benjamin Graham arrived on Wall Street, he had no idea he would one day be heralded as the father of value investing. Here is a essential principles that formed the bedrock of his investing…
Bulls in stock markets are roaring
I am wondering if anyone predicted the huge bull market in March 2020 say nearly 15 months ago. Even if anyone did, I am sure he would have been laughed at. And yet, here we…
Simple Wealth Building Habits
Here are few steps to growing your personal wealth through good financial habits. Be long stocks during bull markets. Exit stocks and go to cash during bear markets. Buy your home in an area that…
Investing Maths
The first rule of investing or trading is to avoid ruin (aka the big loss). At all costs. Why i say this let’s give you actual example: If you start with Rs 100, then a…
Myth=Can I partially withdraw from mutual funds
Yes, you can. Mutual funds can be redeemed in parts. You just have to choose the number of units you want to redeem or the amount you want to redeem (it will calculate the units…
Myth =Mutual funds of bigger and trusted brands are always better
Do you know that LIC also has mutual funds business? However, LIC mutual funds are one of the worst-performing funds across the whole MF industry. LIC mutual funds is not same as LIC insurance. In…
Secrets Of The Millionaire Mind: Rules To Learn From
Be Bigger Than Your Problem – Be Solution Oriented! Work out exactly what you want Unequivocally (clearly) commit to being rich. Once you do, the universe has a way of doing what it can to…
Myth–I can’t add more lump sum amount in my fund where I do SIP
A lot of investors feel that if they have started a SIP in a fund XYZ, then they can’t add additional money in the same fund under the same folio. It is not true. When…
The most important things to remember in investing
Importance of asset allocation – diversify between your security and your growth bucket. Diversify across asset classes, markets, and investment time frames. Do not wait for the perfect market time or scenario as that would…
Myth–Mutual Funds are not for retired investors
This is entirely false. There are various kind of mutual funds which are suitable for retirement needs. You can invest your hard-earned money in debt funds and keep them secure while it’s growing at a…
Myth–I should stop my SIP when markets are down
Unless you are an expert in understanding markets and how they will behave (which I think no one knows), it does not make a lot of sense to time your SIP’s. Just let them run…
Myth–I can’t skip an SIP payment once started
A lot of people are worried about what will happen if they skip the SIP in a particular month when they are low on funds? If your bank account does not have sufficient money for…
Quote-In The World Of Investing
When the gap between perception and reality is the maximum, the price is the best.
59X in Nearly 24 Years
First of all, 59X in 24 years isn’t our performance. Our track record advisory is for less the 3 years, with decent performance of all the portfolio that I have designed, be it bear market…
Secrets your bank will never tell you
Here are few secrets your bank will likely never tell you ULIP & Endowment plans insurance is useless : If you got a loan from your bank, your banker may have offered you different kinds…
Inflation And You
Rising inflation is hurting our wallets. How? Well, this is a touchy topic. It makes some people uncomfortable. After all, we like the idea that we are in control of our money. Unfortunately, this is…
Secrets Of The Millionaire Mind: Rules To Learn From
Get paid for your results, not your time Create things or systems that can earn money for you independent of their time input. This may be employing other people, setting up a franchise model or…
The MOST IMPORTANT THING
For every person who gets a good buy in an inefficient market, someone else sells too cheap
Factfulness: Biases that we need to overcome
The Straight-Line Instinct The general belief that trends go up in a straight line, for example – The population is rising steadily ever since the Industrial Revolution and it’s only natural to expect that it…
राज आपका बैंक आपको कभी नहीं बताएगा
यहां कुछ रहस्य दिए गए हैं जो आपका बैंक आपको कभी नहीं बताएगा, यह आपके लिए मेरा छोटा सा प्रयास है जो आपको एक बेहतर उपभोक्ता बना सकता है। यूलिप और बंदोबस्ती बीमा योजना बेकार…
राज आपका बैंक आपको कभी नहीं बताएगा
यहां कुछ रहस्य दिए गए हैं जो आपका बैंक आपको कभी नहीं बताएगा, यह आपके लिए मेरा छोटा सा प्रयास है जो आपको एक बेहतर उपभोक्ता बना सकता है। यूलिप और बंदोबस्ती बीमा योजना बेकार…
You Could Spend At Least 20 Years In Retirement! Are You Ready For It?
Dear reader, Life expectancy in India, and throughout the world today, is increasing. But this also means that people are living a lot longer in retirement. And it’s something they just hadn’t planned for financially…
Secrets your bank will never tell you
Here are few secrets your bank will likely never tell you Bank employees have targets to reach Think your banker is your best friend? Think again! They have daily, sometimes even hourly, targets to reach.…
Secrets Of The Millionaire Mind: Rules To Learn From
First admit you don’t know, then learn Rather than planning your finances, realign your focus to have different and more supportive money habits.
Creating ALPHA By Focus On Process
Over the course of years, investors had reinforced a positive view of the markets to commit more capital in mutual funds. However, the recent market downfall has shaken the confidence of investors and their ability…
In Equities and Life: There is never a free lunch
Many people start equity investing thinking its SO easy to get rich. They consider it a free lunch. Equity carries risk and hence you get higher return. in shorter time periods, risk looks absent completely…
सही एडवाइजर ज़रूरी है
एडवाइजर ज़रूरी है रोटी, कपडा और मकान (भोजन, कपड़ा और आश्रय) के बाद, लोग सुरक्षा के लिए बीमा पॉलिसी खरीदना पसंद करेंगे और बचत के लिए म्यूचुअल फंड देख सकते हैं। विमुद्रीकरण के बाद, कोरोना…
KISS
A Strategy in Financial Products: Keep It Simple Stupid ‘Keep it Simple Stupid’ phrase is mostly used in Management Books where it is taught that the simpler the solution would be, the more effectiveness it…
Automatic Cash in Your Bank Every Month
Automatic Cash in Your Bank Every Month PLUS Growth of invested amount? A well-crafted Mutual fund portfolio that allows holder to automate their monthly income, Plus growth of their invested amount. This portfolio is being…
Emotions Out of The Door, Please
That might have sounded rude… But trust us, we are just telling you what every investor should know and do. Many investors listen to ‘tips’ and end up investing in what they think are ‘winners’……
In The World of Investment And life: There is No free lunch
Many people start equity investing thinking its SO easy to get rich. They consider it a free lunch. Equity carries risk and hence you get higher return. in shorter time periods, risk looks absent completely…
Factfulness: Biases That We Need To Overcome
The Size Instinct The size instinct is the reason why you overestimate the things your fear instinct tells you to dread. How to overcome it: By putting things into perspective; lonely numbers seem impressive,…
Quote : In The World Of Investing
In stock market volatility is a measure of risk. Risk to us is- A) The risk of permanent loss of capital, or B) The risk of inadequate returns – Charlie Munger
Investing rules from John Templeton
John Templeton is one of history’s most famous and down-to-earth investors. The Templeton Growth Fund, which he launched in 1954, was made public in 1959. At that time, it had 5 funds and $66 million…
Secrets your bank will never tell you
Sharing my learning from 12 years in banking industries to guide common people . Are you the kind of person that has total confidence in your banker and who signs, without reading, everything that’s put…
Secrets your bank will never tell you
Sharing my learning from 12 years in banking industries to guide common people . Here are few secrets your bank will likely never tell you Businesses also have to pay fees when you use your…
We Shoot Ourselves in the Foot
Which of these should investors do: A. Buy low, sell high (i.e., make a profit) B. Buy high, sell low (i.e., losing money) We all know that “A” is the right answer to the…
राज आपका बैंक आपको कभी नहीं बताएगा
क्या आप उस तरह के व्यक्ति हैं जिसे अपने बैंकर पर पूरा भरोसा है और जो आपके सामने रखी हर चीज को बिना पढ़े हस्ताक्षर कर देता है? यदि हां, तो यह लेख आपके लिए…
असल संपत्तियां- Rich Daddy Poor Daddy
मेरे संसार में, असल संपत्तियां निम्न श्रेणी मे आती है: ऐसे कारोबार, जिनमें मेरे मौजूद रहने की जरूरत नही है: मैं उनका मालिक अवश्य हूँ, लेकिन दूसरे लोग उनका प्रबंधन करते है, या आम भाषा…
The Alpha Strategy
Almost all actively managed diversified equity mutual fund schemes primarily aim to generate alpha by “not mirroring the index”. But not all schemes are successful. In fact generating alpha has become a real challenge…
Challenges faced by Affluent Investors community
LESS or NO TIME We know you are pressed for time. Jobs are demanding and you are at a stage in life where you have to focus too much into your skill development and growth…
Challenges faced by Affluent Investors community
No Structure We know that most of the investors are good at “starting”. However wealth creation is not about just starting, its often the tiny first step. You also have to review your actions, track…
Things I look for before taking a client!
COACHABLE We work with clients who have the ability to adapt and to improve as required. You should be open to suggestions and not be too adamant in your thinking.
Things I look for before taking a client!
PROCESS ORIENTED We work with clients who appreciate the processes and structures and its role in creating results. If you are someone who wants results on day 1 or with short time, we are not…
Things I look for before taking a client!
LONG TERM VISION We work with clients who have a long term vision for themselves and who understand that wealth creation takes time. If you look at for short term results, we are not the…
Things I look for before taking a client!
COMMITTED We work with clients who are really focused & committed to their financial goals and being wealthy If you keep disturbing your wealth creation process for short term temptations, we might not be a…
Things I look for before taking a client!
FRIENDLY We don’t need just a client, but rather a friend with whom we can work constantly over many years. We want to make sure it’s a professional, yet friendly and quality relationship with you…
Things I look for before taking a client!
MINIMUM TICKET SIZE To make sure that we can provide continuous services and support over long term. We take clients with a minimum ticket size of SIP : Rs 25,000 per month or Lumpsum :…
Retire Rich Strategy
The Retire Rich Strategies have been created based on the investor’s age group and suitable risk appetite. Early Retirement Strategy is meant for the young and middle aged individuals of less than 45 years. The…
In the World of Investing
True Investment Greatness is knowing deeply, all the Risks present in a given Investment, and then deciding what is acceptable risk and what is unacceptable risk. सही निवेश में यह महत्वपूर्ण है कि , गहराई…
Sahi Advisor Zaroori Hai
Do you look for the cheapest surgeon, the cheapest lawyer or the cheapest school? Then why look for the free advice cheap Financial Advisor ? The lowest fees? Especially when the value is comparable in…
Factfulness: Biases That We Need To Overcome
The Negativity Instinct Thinking that things are getting worse, for example – Most people hear all the time news of terroristic attacks and watch crime related shows and think the world is getting more violent…
Forget About Goals, Focus On Systems Instead
Goals are about the results you want to achieve. Systems are about the processes that lead to those results. If you want better results, then forget about setting goals. Focus on your System instead. A…
Incentives- Silent Killer
The maximum fees are for recommending equity. “All behaviour, good or bad, is always driven by incentives, and equities incentivise their salespeople far more than any other asset class. Even if equities don’t always deliver…
It will measure but not so soon
How recent episode make investor biased: to think that lockdown has happened again so nifty will go down 40% like last yr – dumb to think that small and mid-cap will crash because they crashed…
Challenges Faced by Affluent Investors Community
Half Baked Knowledge We hate saying this, but often investors read something on internet and then they think they know the whole game. With some limited amount of reading, you dont get the whole perspective…
Challenges faced by Affluent Investors community
NO Confidence We know you have read about personal finance and what to do. However when its time to take the real action, its not easy to take action with full confidence. There is always…
Why most Human Fund Managers underperform Markets
The word around us is a bewildering medley of pure noise. In such a chaotic daily environment, the brain’s protective mechanisms kick in. And that is to batten down the hatches. And resort to underanalysed,…
Invest In Asset
The debts of the middle class are the assets of the banks. Few understand this. मध्यम वर्ग के ऋण बैंकों की संपत्ति हैं। कुछ इस बात को समझते हैं।
RISKS- In Investment
There is no such thing as a Risk Free world, True Investment Greatness is knowing deeply, all the Risks present in a given Investment, and then deciding what is acceptable risk and what is unacceptable…
Letter To Investors
Dear Investor Over the last 3 years, I have been helping investors in learning about money matters, have interacted with literally many investors on their money matters. I have seen enough of how investors create…
Mutual Fund Myths Uncovered For First Time Investors Myth #2
Myth #2 – I can’t stop SIP in between once I start it Another myth that stops investors from entering mutual funds is that they think starting SIP for X yrs, is a commitment they…
The MOST IMPORTANT THING
All investors can’t beat the market since, collectively, they are the market. Before trying to complete in the zero-sum world of investing, you must ask yourself whether you have good reason to expect to be…
Quote-In The World Of Investing
Look at market fluctuations as your friend rather than your enemy.
Retirement Planning
It is impossible to foretell how your retirement would turn out to be, but with a plan, you can control its broad direction. There are many myths around retirement, but you do not have to…
Keep Emotions In Control
In the good times, investing is like planting a tree (money) and watching it grow. In bad times it is about managing risk and one’s emotions. Markets are driven by two emotions – fear and…
पीयूष के माध्यम से निवेश क्यों ??
We focus on what builds wealth. You spend time on things that matter to you. हम इस बात पर ध्यान केंद्रित करते हैं कि संपति कैसे बनाती है। आप उन चीजों पर समय बिताए ,…
Bonds Explained?
A company may need money for a variety of purposes. It may want to expand its business, build a new plant, buy machinery, buy new land to build a factory, or even purchase another company.…
Factfulness: Biases That We Need To Overcome
It’s a human tendency to be bored with stories of everyday incremental progress, and to focus on the negative — for which the 21st century provides much material. This has made cynics of most of…
In Present Ongoing Situation
किसी भी नेता, अभिनेता के भरोसे न रहे, क्योंकि वे सभी आप के भरोसे है, अपनी देखभाल स्वयं करे
MATHS
Math is the greatest tool for success and Math doesn’t lie. गणित सफलता का सबसे बड़ा साधन है और गणित झूठ नहीं बोलता।
Rich Dad Poor Dad – Rules Decoded
The real money is in training our mind to be financially intelligent, we will be willing to take risks and invest in opportunities that others do not see. वास्तविक धन हमारे दिमाग को वित्तीय रूप…
Mutual Fund Myths Uncovered For First Time Investors
Are you one of those investors who are still away from mutual funds investments because you do not have enough understanding about it or have a lot so myths about them? Every day we get…
एक अच्छी शुरुआत एसआईपी (SIP)
जैसा कि नाम से पता चलता है, यह निवेशक को स्मार्ट और अनुशासित तरीके से धन का आवंटन करने में मदद करता है। बाजारों मे हमेशा सही समय का आकलन एक मुश्किल काम है, लेकिन…
Quote : The MOST IMPORTANT THING
Remember, your goal in investing isn’t to earn average returns; you want to do better than average. Thus, your thinking has to be better than that of others.
Quote : The MOST IMPORTANT THING
Second level thinkers know that, to achieve superior results, they have to have an edge in either information or analysis, or both.
Quote- In The World Of Investing
Don’t fall in love with your Investment; they don’t know you own them. अपने निवेश के साथ प्यार में मत पड़ो; वे नहीं जानते कि आप उनके मालिक हैं.
Quote : In The World Of Investing
Behave according to what is rational, rather than what is fashionable. जो फैशनेबल है, उसके बजाए तर्कसंगत के अनुसार व्यवहार करें
Quotes : The MOST IMPORTANT THING
First-level thinking is All investors can’t beat the market since, collectively, they are the market. Before trying to complete in the zero-sum world of investing, you must ask yourself whether you have good reason to…
Beta And Alpha
Beta is a measure of volatility relative to a benchmark, such as the Nifty 50. Alpha is the excess return on an investment after adjusting for market-related volatility and random fluctuations. Alpha and beta are…
Rich Dad Poor Dad – Rules Decoded
The book Rich Dad, Poor Dad is one of the best selling personal finance books of all time. It is so popular because it explains the principles of how the wealthy think versus how the…
Quotes
Savings will not make you rich, only SMART investments do that.
Quotes
Savings will not make you rich, only SMART investments do that.
Quote
Managing money requires more skill than making it.
Why Me ?
We are Adding Alpha and subtracting Beta in your investment portfolio. Why we talk about Alpha & Beta : MEASURABLE IS RELIABLE
RBI Printing Currency To Keep Government Happy
The government of India issues financial securities known as government securities or government bonds, in order to finance its fiscal deficit or the difference between what it earns and what it spends. Banks, insurance companies,…
Rich Dad Poor Dad – Rules Decoded
Rich Dad Poor Dad was first published in 1997, and has racked up sales of 32 million copies in more than 51 languages. Endorsed by many celebrities, this book stayed on the New York Times…
Quotes
True investors realize that ‘get rich quick’ usually means ‘get poor quicker’.
World Of Investing
Everything should be made as simple as possible but not simpler ~ ALBERT EINSTEIN It’s not supposed to be easy, Anyone who finds it easy is stupid – CHARLIE MUNGER
Rich Dad Poor Dad – Rules Decoded
Buy revenue generating assets You must know the difference between an asset and a liability, and buy assets. If you want to be rich, this is all you need to know. It is rule number…
Talk To Me
We know a bit about building, growing and retaining wealth. We have been doing it a long time. We are the Trusted Financial Advisors to some of the Family for years. Keeping you One Step…
Rich Dad Poor Dad – Rules Decoded
Rich Dad Poor Dad was first published in 1997, and has racked up sales of 32 million copies in more than 51 languages. Endorsed by many celebrities, this book stayed on the New York Times…
Virus Is Not Risk.
It is an uncertainty. Learn to differentiate between the two please. Risk is measurable, like the odds of winning on any roll of a fair dice. Uncertainty is not measurable. It is and unknown unknown.…
Quote
Pushing yourself, listening, a simple rule for life and work James Clear – Author of , Atomic Habits
Quotes
Advice doesn’t have to be complimented to be good.
SMART Investing
Goals to finish targets If you are finding it tough to cope up with your targets then the problem might be the unrealistic time table that you have set. Work on it again realistically and…
Quotes
Focus on the business rather than the business channel.
Rich Dad Poor Dad – Rules Decoded
Rich Dad Poor Dad was first published in 1997, and has racked up sales of 32 million copies in more than 51 languages. Endorsed by many celebrities, this book stayed on the New York Times…
Rich Dad Poor Dad – Rules Decoded
“Workers work hard enough to not be fired, and owners pay just enough so that workers won’t quit.” – Robert Kiyosaki
Quotes
When the gap between perception and reality is the maximum, price is the best despite past opportunities the future holds more promises.
मन के अंदर की बात
हम नौकरी करने के लायक रह ही नहीं गए है. प्रबंधन का प्रबंधन करना हमारे बस की बात नहीं है, दुनिया भर के मैनेजमेंट गुरु entrepreneurship पर मोटी मोटी किताबें लिखते हैं, पर कोई ये…
Daily Quotes
Money is everywhere, it affects all of us, and confuses most of us. पैसा हर जगह है, यह हम सभी को प्रभावित करता है, और हम में से अधिकांश को भ्रमित करता है।
Rules for Successful Investing
One of the simplest and most effective way to make money in stock market offer to investors, it transfer money from the active to the patient investors. No matter how great the effort, success in…
Income from Stocks
Stock returns are driven by two critical factors: dividends and earnings. Without dividends, which are made possible by earnings, an investment in any stock would be purely speculative in nature. Why are dividends and earnings…
8% SAHI HAI- Monthly Income-Portfolio
PIYUSH BHARGAVA Date of Report: 01/04/2021 Portfolio Transaction Summary Report (As On Date) Purchases Initial / Cost Market Abs. Fund Purchases SWP’s Amount Value Ret.(%) XIRR(%) Client Name: S S :00007 Axis 199990 9100 191830…
Quotes
“The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth in what seems to be an instant.” – Robert Kiyosaki
Quotes
Spending money to show people how much money you have is the fastest way to have less money
Not Everyone Should Pick His Own Invetments
Despite the growing popularity of investing, not everyone is suited to manage his or her own financial market investments, it is not a matter of pride if you are able to do it or a…
SAVE MONEY
The only factor you can control, one of the only things that matters. The first idea – simple, but easy to overlook-is that building wealth has little to do with your savings rate.
Never Marry Your Investment
Welcome to the world of investing So many investors have an ongoing love affair with one particular stock. These investors have a strong emotional connect to such stock or company. For example, one of my…
Stay Calm And Invest
The battle between the bulls and bears is giving traders sleepless nights. Just when you think the bulls have gained the upper hand the bears attack…and vice versa. The market volatility of 2021 will surely…
07 Apr
Don’t take anything at face value, even if it is from the experts or ‘gurus’ Learn to question. Something our education system doesn’t teach enough of
COMPOUNDING
Compounding is hard to imagine concept but if used effectively can create enormous wealth over a long period of time, with very little investment Compounding is the only reason you should be investing. As human…
02 Feb Investors Play your Own Game
As in life, so in investing, we often wear masks and pretend to be someone else. We listen to others except for our own selves while making investment decisions. And now with the plethora of…
Will be Very Different from 2021
I believe it’s time to be more cautious. The easy money has been made. The low-hanging fruits are now rare. We can’t take comfort from past winners. It’s been a great year for the bulls.…