What is Recency Bias in Investing?

RECENCY BIAS in investing refers to the tendency to give excessive weight to recent events, trends, or performance when making investment decisions. 

It leads to overemphasizing recent returns and underestimating long-term risks/ opportunities. 

This bias can result in poor investment decisions, increased risk exposure and/or  missed opportunities.

Just ask yourself  ........... Are you suffering from "RECENCY BIAS" ?

Investing in Equity Portfolios: Tough Times or Opportunity?

Many of who are investors in Equity Portfolios and who have invested in equity (either through direct stock portfolio, equity mutual funds or ULIPs) would have been going through some tough times when checking their current equity portfolio values. Media had also played its part in fuelling the negativity among investors.

My intention in this article is to be pragmatic and practical about the whole stuff.

Equity investments are not for regular income, linear returns, liquidity and stability. For that, one should invested in PSU Bank Fixed Deposits or Savings Account. The core to investing in equities is returns, returns and returns.

Equity oriented investments are to give a kicker in one’s portfolio. They are volatile and can massively underperform stable investments in the shorter time frame and sometimes longer time frames such as these. However, over longer time frames (predominantly) they can massively outperform stable asset classes.

So that brings us to a million-dollar question, how much of our wealth should one invest in equity portfolios. There is no right answer but with my experience, the following points will help:

1. Invest that money which you do not require for a minimum of 5 years. After 1 year, ask this question again and take appropriate actions. Continue this process each year.

2. Invest that money which even if it goes down by 25-50% in the short term (like a year) does not give you sleepless nights and disturb your lifestyle. Such events may happen at regular intervals. We are reminded of March 2020 (30% fall) or subprime crisis in 2008-09 (60% fall).

3. Invest after you have enough balances for your emergencies and you do not have to depend on equity markets for your survival.

4. Invest ideally a minimum of 25% and a maximum of 50% of your financial wealth in equity portfolios. This will reduce the shock on your overall wealth during bad phases and help you to be patient with your equity investments.

5. Regular investing is a good way to reduce the risk of market timing. Invest more during the volatile phase to reduce acquisition costs.

6. The portfolio should have a low-cost bias as the higher cost can eat into returns over some time. Towards this end allocation to low-cost direct equity mutual funds and index funds would help.

7. 50% of one’s portfolio could be the core portfolio which gives domestic and international diversification. These should be held for longer time frames. Ideally, passive index funds tracking larger companies would be the most suitable.

8. The remaining 50% could be satellite portfolios consisting of direct stocks, active equity funds, international funds orthematic funds. These need to be exited as and when the target returns are achieved. These might have higher costs.

9. Allocation to equity portfolio through Unit Linked Insurance Plans (ULIPs) is perfectly avoidable for their non-transparency, illiquidity and higher costs.

10. Rebalance one’s portfolio ruthlessly or if target returns are achieved in some portions of the portfolio. Track your holdings once or maximum twice a year. You do not have to check their values daily. Tracking does not increase returns.

The current situation:

I have been often asked this question whether it is a good time to invest in equity-oriented portfolios now. My simple take is “Ask yourself will COVID-19 be with us after 5 years?” If the answer is a clear NO, then we are already late in investing. Equity portfolios are already up between 15% to 30% from March 23 when the equity markets hit their rock bottom recently.

For all those who are still waiting for things to be clear for starting your equity investing do note that “if you are late to the party and the music is loud enough…you probably will be washing vessels of your friends”. Join the party now.

To those pessimistic investors who had not so good an experience in the last 5 years with their equity investments including regular investments, I have only one thing to say. Hang on- The next 5 years will wash away the sins of the past 5 years. If possible, invest more now.

To those investors who had some bitter experience in debt mutual funds including Franklin Templeton winding up 6 of their debt mutual funds, do note there is no point in cribbing. Move on and keep investing in equity as per your overall allocation. Equity markets will reward your current pain. And FT will gradually pay most of the money.

Just to close- Equity portfolios will give you all the pain, torture and suffering in the short term. But wealth was never made easy.

Stay safe, follow social distancing but do not miss a once in a lifetime opportunity with COVID investing.

We request you to get in touch with us at 9839034761 or rajivfcs@gmail.com, for strategies to create long term sustainable wealth.

Wishing you all a safe and exciting investment experience.

10 Business Ideas to Make Money in Corona Crisis

Business Ideas to Make Money during Corona Crisis – Corona Crisis is creating severe problems for everyone. Businessmen, as well as job people everyone is affected due to this crisis. Most of the people are searching for business ideas and ways to make money during this uncertain time. If you are one of them, here is readymade help. Here is a list of 10 Small Business Ideas that can help you make a lot of money in the corona crisis.

All these business ideas are demand-based and likely to give a very good profit during Corona Crisis. So, let’s get started with some of the best business ideas that can help you to make money.

10 Business Ideas to Make Money in Corona Crisis

#1 Face Mask Business

The demand for face masks is increasing and likely to remain steady in the days to come. This gives birth to a new business called a face mask business. In this business, you need to manufacture face masks and sell them in the market.

Face masks are of different types such as N95 Mask, Cloth Mask, Surgical mask, etc. To begin with I would recommend a cloth mask. It is easy to manufacture a cloth mask. You just need a sewing machine and fabric for making a mask. Once you get grip on the mask you can customize and also go for fancy mask production.

# 2 Face Shield Business

 

Face Shield business is the next business idea on the list. The demand for face shield is growing due to the corona crisis. Many people have started using a face shield as part of PPE. In face shield business you can either manufacture face shields or do trading of the face shield.

The raw material required for making a face shield is easily available. You can manually make a face shield or go for mass production using machines. You can earn a very good profit margin in this business.

#3 Sanitizer Making Business

The usage of Hand Sanitizer is very high. Hand sanitizer is a powerful tool against bacterial and viral infections especially COVID-19. So, it is but natural that sanitizer will become part of our life. So, starting a sanitizer business make sense.

You require sufficient knowledge for starting this business. You can take help from an expert or recruit manpower for this business. You also need to take approval from the government to start this business.

#4 PPE Kit Business

PPE Kit is a personal protective equipment kit. The usage of PPE kit is mandatory for medical staff and people staying outside on the field for the long term during the coronavirus crisis. So, it is obvious that PPE kits are in huge demand. PPE kits include multiple things mask, face shield, goggles, protective gowns, gloves etc.

PPE Kit can be made at home or can made in the factory using mass production. You require expertise and knowledge in order to make PPE kit. Your kit should pass a quality test before mass production.

 

#5 Cleaning Services

The demand for cleaning services is increasing due to the COVID-19 outbreak. People want office equipment and furniture to sanitize multiple times in a day. Thus starting the cleaning services business is a very good business option. In this business, you need to take a contract from small companies for cleaning services. You require cleaning staff to start this business. It is a growing business option with very good potential.

#6 Vegetable Business

The next business idea is a vegetable business. It is an evergreen business. Vegetables are required by almost every human being for living. In this business, you need to do the trading of vegetables. If you have sufficient manpower you can think of doing home delivery of vegetables also.

#7 Retail Product Business

Retail products or grocery items are usually in demand during Corona Crisis. If you have a small shop you can think of starting a retail product business. The investment required for this business is moderate. You need to work on the supply chain to withstand in this business in the current situation.

#8 Family Meal Delivery Service

Breakfast or food delivery business is next on the list. Many families still prefer readymade Nasta (breakfast) or Meal. If you are a good cook and prepare breakfast or meal in bulk this business is for you. It is easy to start low investment high-profit business options. You require manpower for the delivery of food items.

#9 Medicine Home Delivery Business

Medicine is one of the essential items nowadays. Due to the corona crisis, people do not prefer to go outside. So, starting a medicine home delivery is a very good business option. You operate virtually from home and collect the order over telephone or WhatsApp. You need manpower for doing the delivery of medicine and related items. Once you establish yourself in this business, you can plan to make an app for accepting orders online.

#10 Fruit Business

Starting a fruit business is next on the list of business ideas. Fruits always remain in demand despite uncertainty. Fruit helps in increasing immunity. So, fruits are likely to remain in demand during Corona Crisis. If you have a small shop or a suitable place you can start your own fruit business. It is a low investment high return business option.

Successful Investing

A successful investor has infinite patience, which is his unique attribute.

He has patience to be able to do nothing for years and then suddenly to dare to put all his money into an idea when he finds one ........... When there are no opportunities, he prepares diligently.

And then when an opportunity comes, he takes strong action.

This is an excellent quality of a successful investor.

Nurture Investments
Kanpur.
9839034761
Good people, humble disposition, professionally qualified.

https://nurtureinvestments.business.site/

I will make good money

I will make good money, in  3-4 years from now..... I am 100 ℅ confident and 100℅ sure.

I have used this opportunity to invest more in these difficult days, in my existing mutual funds' portfolio..... And you .... ?

For earning fortune, in investing, it's not only the asset in which you invest should be good, but also the investor, should be  equally good.

He should be full of conviction, trust and patience.

If you are an investor with patience, you will make good money in Equity Mutual Funds...

https://m.economictimes.com/markets/stocks/news/if-you-are-an-investor-with-patience-will-make-good-money-in-equity-funds/articleshow/75187127.cms

Nurture Investments
Kanpur.
9839034761
Good people, humble disposition, professionally qualified.

https://nurtureinvestments.business.site/

Advantages of Preferring us as your Investment Advisor:

1.   We educate our investors, so that he can take informed investment
decisions, without greed and fear or any other emotional imbalance.

2.   We offer online platform to enable our investor:

(i)     to invest in all funds across all
AMCs.

(ii)     To invest or trade in equities, IPOs,
Bonds, NFOs, NPS, PPF, etc.

(iii)    to remain in touch with his
investments. Investor can, review the performance, access the historical
details, manage, transact and generate reports for long term and short term
capital gains with extreme accuracy at anytime 24x7.

(iv)    to do goal based investing, map all his investments with the respective goals and keep track the performance by
auto-generated reminders, review and evaluate various reports.

(v)    to manage investments of his all family members from a single login.

(vi)    to share his login ID and password to his dependents to show his complete investments and liabilities.

(vii)   to generate one click reports for all
types investments.

(viii)  to avail pre-approved loans with in 24 hours to tide over short-term liquidity crisis, with complete online process
without requirement of signing even a single paper.

(ix)    to review portfolio performance, with my expert help and take informed decisions.

(x)    to view short term and long term capital gains.

3.   We keep sending educative messages and emails to educate our investors
so that they may generate consequent better returns from their investments.

4.   We strongly believe in asset allocation strategy and keeping that in
mind we offer MARS (Mutual Fund Automated Rebalancing Scheme), a product which is combination of different AMC's mutual funds and is a unique kind of robot advisory.

And what’s more………… all the above facilities are FREE ………… that is the
value addition services that we offer.

NURTURE INVESTMENTS
KANPUR
9839034761

Good people, humble disposition and professionally qualified

http://nurtureinvestments.business.site/

IT DID NOT OCCUR TO ME THAT IT IS THE BEST TO INVEST MORE WHEN MARKETS ARE DOWN

Remember, there is an opportunity in every crisis and the deeper the crisis, the better the opportunity can be. But some people are not capable of seeing it.

People often tend to panic and sell their investments when markets are down rather than investing more at cheaper values.

And this wisdom, is often earned through experience and for high price..... !!

Don't let the present crisis be a missed opportunity later.

Come to us and invest with absolute faith and confidence.

Nurture Investments
Kanpur
9839034761

Good people, humble disposition, professionally qualified.

http://nurtureinvestments.business.site/

Invest in crisis

Sensex 29815    28.03.2020

Great time to invest in Equity Mutual Funds or to start fresh SIPs..... !!

Every fund selling at huge discount.... it's just a temporary phase....!!

If you are alive 60 days from now, you will regret losing this opportunity, says Basant Maheshwari .....

https://m.economictimes.com/markets/stocks/news/if-you-are-alive-60-days-from-now-we-will-regret-losing-the-equity-opportunity-of-march-2020-says-basant-maheshwari/articleshow/74824500.cms

For smooth investing and answering all your queries .....  I am just a call away.

Take advantage of our highly advanced technologically upgraded e-platform to view and to transact in all your investments by just click of the mouse.

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

Health Insurance - A must for you

BUY HEALTH INSURANCE WHEN YOU DON'T NEED IT, BECAUSE YOU CAN NOT BUY IT WHEN YOU NEED IT

Do you know what does your existing health insurance policy covers...?

Port your existing health insurance policy to Apollo Munich Health Insurance for wider cover and easy claim disposal.

WORRIED about the Rising cost of Medical Treatments? 🙁

Confused about which Mediclaim Policy to buy and how to compare best and suitable policy? 🤔

💡Offering top of the line insurance plans designed for you.

📢 Benefits of BUYING policies from  us.

💡 Compare Premium and Features instantly 📑

💡 Policy Process and Issuance max. 15-30 mins. ⏳

💡 Get INSTANT policy soft copy on mail id 📧

💡 View Cashless Hospitals nearby your location 🏥

💡 View Policy Wordings & Brochures 🔍

💡 Buy Policy from Anywhere and at Anytime 🌎

💡 Get heavy discount on premium.

Get all your queries settled before you buy Health Insurance.

Take informed decision.

For further details, do let us know and give us an opportunity to serve you better.

NURTURE INVESTMENTS
Kanpur
📞 9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

Accumulate 7.61 lacs from SIP of Rs 6000

Nurture Investments Kanpur 9839034761
Your Rs 6,000 per month SIP can become Rs 7.61 crore; here is how... click on the link below...
https://www.zeebiz.com/personal-finance/news-mutual-fund-calculator-your-rs-6000-per-month-sip-can-become-rs-761-crore-here-is-how-120499

Start SIP in Equity Mutual  Funds for long term wealth creation.

Take advantage of our highly advanced technologically upgraded e-platform to view and to transact in all your investments by just click of the mouse.

Generate numerous user friendly reports for your analysis and review.

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

Sundaram Balanced Advantage Fund NFO

You always wanted to invest when the markets were depressed and also wanted to exit when the markets were at peak ..... !! ... But that always remained so difficult for you to do .... you could never implement your wishful thinking.

..... But not any more... !!

PRESENTING...

*Sundaram Balanced Advantage Fund*

New Fund Offer at an offer price of Rs 10 per unit.

NFO
Opens on : 14.02.2020
Closes on : 28.02.2020

It's an open ended dynamic asset allocation fund.

Striking the right balance between risk and reward with flexible moves.

If you have been thinking to start for long but were confused ... then this is the right time and the right fund for you to start 

Don't miss this opportunity .... !!

Watch the video ....

https://youtu.be/EL9WxyZtQ4M

Invest with confidence.

It's extremely easy to invest ..... you just have to call .....

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

Get Rs 80,000 per month

पायें हर महीने 80 हजार रुपये,
इस स्कीम में 10 हजार रुपये निवेश कर .... यहां जानें सबकुछ.....

Check out this article: If you invest 10 thousand in SIP scheme, get 80 thousand rupees every month, know everything here...

That's the power of SIP that everyone doesn't know... !!
https://www.lokmatnews.in/india/if-you-invest-10-thousand-in-sip-scheme-get-80-thousand-rupees-every-month-know-everything-here/

*..... पर ये इतना आसान भी नहीं है, अधिकतर लोग तो इस बात पर तो विश्वास ही नही करेंगे, और जो करेंगें उनका विश्वास भी, स्टॉक बाज़ार के आगे आने वाले झटकों से टूट जाएगा। वो लोग ये समझेंगे की ये सब मार्केटिंग गिम्मिकस है।*

इतने लम्बे समय तक, you must remain invested in good funds.

.... और इसीलिए आपको चाहिए मेरी मदद...

या तो आप अपनी गलतियों से सीखे या फिर मुझसे .... फैसला आपका ..... !!

No one can teach you better than me.

Passionate to help you.

सीखे उससे जो खुद एक सफल निवेशक है।

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

No Direct Equity Please

Nurture Investments Kanpur 9839034761

6 reasonably valued stocks with solid financials
https://m.economictimes.com/wealth/invest/6-reasonably-valued-stocks-with-solid-financials/articleshow/73605641.cms

These were good stocks to buy on 27.01.2020, ie the time, when this article was published. If no significant price change has occurred since then you can still buy these stocks.

But who would tell you when to book profits or to exit from these stocks, if sometimes in future it becomes extremely important for you to do that for saving your hard earned money from being lost.

No one....!!

So it might happen that at the end of say 2 - 3 years you might be sitting on loss.

So don't you think, it's far far better to invest in mutual funds, where you have a qualified fund manager to watch your portfolio and take timely action.

You think, you can beat performance of a Mutual Fund Manager? OK fine, just try your luck, do it now?

But if if you ask me, I would not advise you to play that luck-game with your hard earned money.

Instead of doing that I would suggest you to start SIP in Equity Mutual funds and get rich slowly.

Wealth built up slowly stays forever.

If you think that you can get rich quickly, there are bright chances that you might get poor quickly.

Rest your wish....!!

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

Start Investing Now

The best time to plant a tree was 20 years ago, the second best time is now.

It is never too late to start investing for your retirement.

Start today by investing in Mutual Funds. Build retirement corpus, gradually.

And the best way to do that is to start SIP in Equity Mutual funds.

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

How OP Katta started with a few SIPs in mutual funds and made a few crores in 13 years

Nurture Investments Kanpur 9839034761

How OP Katta started with a few SIPs in mutual funds and made a few crores in 13 years

Katta says he got scared in the 2012-13 period when even after five years, his returns were low. "I was discouraged by the low returns my investments were giving even after five years....!!

Read more...

http://www.ecoti.in/YjqCka

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified

nurtureinvestments.business.site

SIP inflow all time high in Dec 2019

With mutual-funds clocking higher and higher every month, inspite of volatile markets, don't you feel left out, that you have still not started investing or having started your exposure is very very less in mutual funds ...isn't this true that though your income has increased in past few years but you haven't increased your SIP....!!

Check out this news....

Mutual funds clock highest ever monthly SIP collection in December 2019.

https://economictimes.indiatimes.com/mf/analysis/mutual-funds-clock-highest-ever-monthly-sip-collection-in-december/articleshow/73154466.cms

Start investing in mutual funds now because you will have to do that some day and then that day would be too late.

I am your staunch well wisher. I am, because I am passionate about making people wealthy, self dependent and financially free and that is what is, desired from me by the regulator and the government, who has authorised me to promote free financial education to everyone.

Trust me, treat me a God sent help to you for your overall well being.

Financial matters are complex and there is nothing wrong in discussing things with your friend. Especially when the friend is a Qualified Professional, volunteering for the cause, himself.

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified

nurtureinvestments.business.site

How to safeguard your portfolio?

How to safeguard your equity portfolio when market is not in tune with reality...

Once you have invested in a stock, that's not the end of it; at every stage, one has to review it.

The concept of knowing when to sell a stock is as important as buying the right stock at the right time.

One should always invest and book profit in a staggered manner.

If you don’t have that expertise, you may lose all your hard-earned money.....

https://m.economictimes.com/markets/stocks/news/how-to-safeguard-your-equity-portfolio-when-market-is-not-in-tune-with-reality/articleshow/73094559.cms

So instead of all that isn't it better to invest in Equity Mutual funds.....

Build your portfolio with confidence in staggered manner through SIP in Equity Mutual funds.

Never redeem, never stop your SIP, let it be for LONG TERM.

Long term means 20 - 30 years, you will be amazed the amount of wealth you will build that way.

And if that is the time you need to give to your investments then definitely you should take help of a guide, a mentor, who can take you along through all ups and downs of your wealth creation journey.

Passionate to help you to create wealth ....!!

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

nurtureinvestments.business.site

Top 10 Most Regrettable Mistakes Retirees Made In Their 20s....!!

Top 10 Most Regrettable Mistakes Retirees Made In Their 20s....!!

https://www.forbes.com/sites/chriscarosa/2019/09/06/top-10-most-regrettable-mistakes-retirees-made-in-their-20s/amp/

What do today’s retirees regret most about the decisions they made in their 20s (at least as it applies to making them ready for retirement)?

#1: Thinking You Know Everything
#2: Delaying Saving
#3: Missing Free Money
#4 Saving Too Little
#5 Using Retirement Money Before You Retire
#6: Investing Too Timidly
#7: Investing Emotionally
#8 Failing to Plan
#9: Believing Everything Will Go According to Plan
#10: Giving Up

Start SIP in Equity Mutual funds for long term wealth creation. Take advantage of our highly advanced technologically upgraded e platform to view and to transact in all your investments by just click of the mouse.

I am your *ONLY* friend in this world who wants to see you prosper.

I passionately help families/small businesses discover wealth-building strategies.

nurtureinvestments.business.site/

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified

Your parents are not your emergency fund And Your children not your retirement fund...!!

Your parents are not your emergency fund

And

Your children not your retirement fund...!!

https://economictimes.indiatimes.com/mf/analysis/your-parents-are-not-your-emergency-fund-children-not-your-retirement-fund/articleshow/72833523.cms

Nurture Investments
Kanpur
9839034761

Tips for Mutual Fund investing

Enjoying the present is good, but living for the future is also essential.

Investing can help in securing that future.

In fact, an early investment allows developing the habit of controlled spending by focusing on budget and cutting expenses when needed.

Read the article below... it will give you good idea on investing in mutual funds, which are the only option available to you, when it comes to investing.

How to make the most of Mutual Fund, SIP: Top tips.....

https://www.financialexpress.com/money/mutual-funds/how-to-make-the-most-of-mutual-fund-sip-top-tips/1793278/

Start SIP in Equity Mutual funds for long term wealth creation.

Take advantage of our highly advanced technologically upgraded e platform to view and to transact in all your investments by just click of the mouse.

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified.

Investing with out Professional help?

DIY stands for "Doing It Yourself"

Now read the article below....

DIY investing could result in a messy portfolio and meagre returns ......

https://www.livemint.com/money/personal-finance/diy-investing-could-result-in-a-messy-portfolio-11575193064210.html

So why not to seek professional help ....... especially when you have a friend who is more than passionate to help you....??

Take SERIOUS steps now to secure your future ....!!

You will retire one day, for sure, whether you prepare yourself for that or you don't ...!!

😊
Happy SENSIBLE investing.

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified

Plan Your Retirement Now

We all work so hard, all our life, so at-least our retirement should be early and luxurious... Isn't it....?

But in absence of a plan we can mess-up our retirement too.

Most of the people purchase LIC policies which seemingly would give good returns and end up just with meagre returns and insufficient protection.

While, few others start retirement planning when they actually retire.

Retirement planning, should be done while you are young and earning.

Plan your retirement SERIOUSLY today....!!

Any difficulty....? take our friendly help for free.....!!

Nurture Investments
Kanpur
9839034761
Good people, friendly disposition and professionally qualified.

Are you Lending or Investing?

Are you Lending or Investing?

Want to create wealth, you need to be an investor and not a lender, unless lending is your business.

Know the difference between lending and investing.

Investing is when you put your money in an ASSET where no one can guarantee the returns that the asset would generate with respect to time.

And if the returns are guaranteed with respect to time, it isn't investing, its lending.

Don't confuse investing to lending.

Have doubts talk to me. I'll explain you.

Before taking any step with respect to your money, decide whether you want lend or invest.?

There is another interesting definition of investing....

When you invest, you are buying a day you don't have to work.

😊

Happy Investing

Nurture Investments
Kanpur
9839034761
Good people, humble disposition and professionally qualified

She thought that she was investing but actually she wasn’t

Like you, she also thought that she was investing but actually she wasn’t ......!!

Press the link below to read more ....... !!
https://m.economictimes.com/mf/analysis/she-accumulated-rs-32-lakh-and-thought-she-was-investing-but-she-wasnt/articleshow/72271853.cms

When you invest  you are buying a day you don't have to work.

Start investing now, it's a good habit.

Start SIP in equity mutual funds for long term wealth creation.

SIP is best way of investing also because you don't have another option to invest with that small sums of money which you save every month. Isn't it ?

Learn concepts of wealth creation from your dear friend, who is passionate to help you in your long journey of work and money management.

Nurture Investments
Kanpur
9839034761
Honest people, humble disposition and professionally qualified.

Sensex Nifty & Economy

Question: Why should I be concerned about economy of the country ??

Answer : That's because if economy will do well then it's almost certain that my investments would also do well.

Question : Does it mean the economy is doing well, if the sensex/nifty is trading a record high ?  So what Sensex and Nifty going high actually mean ??

Answer : Stock prices (and so sensex and Nifty ) are driven by demand and supply, which in turn, are driven by how people feel about future prospects of companies / economy of the country.

But it must be remembered that such feelings are often driven by emotional biases such as greed and fear.

So while generally, you could say that a rising market means investors expect companies (and perhaps the economy) to do well in the near future, such assessments may nothing always prove to be correct.

Question : So what should I do, to take advantage of growing economy of our country ??

Answer : Simple, invest in Mutual Funds. When you invest in mutual funds you are actually investing in the economy of the country.

Read more at  ...... https://lnkd.in/fpEE7ZR

To invest SENSIBLY in Mutual Funds, call.....!!

NURTURE INVESTMENTS
Kanpur
9839034761

Retirement Planning

Why working till whenever is a risky retirement strategy ...!!

https://www.nytimes.com/2019/05/16/business/retirement-layoff-working-longer.html

Working longer can be a good way to improve retirement security.

However, you might have to take an early retirement.

The most common causes for unexpected early retirement are health problems and job loss.

Are you prepared for that .... ??

When you aren't having right retirement strategy in place, what to say about retiring early.

Come sit with me. Plan your retirement. And if you have already planned discuss it's appropriateness with me.

People do retirement planning at the time of their retirement .... that's the time when actually no planning is possible.

Retirement planning, you should start the day you start earning.

Be good to yourself.

Don't think, that you won't ever retire.

Don't turn blind eyes to the realities of life.

NURTURE INVESTMENTS
Kanpur
9839034761

Can't Climb Mountain in One Day

You can not climb a mountain in a single day. Keep walking, be steady, be honest to yourself, have faith in every step you take.

Start SIP in Equity Mutual Funds now.

Take advantage of our highly advanced technologically upgraded e-platform to view and transact in all your investments by just click of the mouse.

Take our help for free. We are good people with humble disposition and professionally qualified.

NURTURE INVESTMENTS
Kanpur
9839034761

Continuing with SIPs in falling markets, important for solid long term returns

Continuing with SIPs in falling markets, important for solid long term returns ..... !!

Read on.... !!

https://www.moneycontrol.com/news/business/personal-finance/continuing-with-sips-in-falling-markets-critical-for-solid-long-term-returns-4554671.html

Start SIP in Equity Mutual Funds for long term wealth creation.

Take advantage of our highly advanced technologically upgraded e-platform to view and transact in all your investments by just click of the mouse.

Nurture Investments
(Honest people, friendly disposition & professionally qualified)

Your only friend who wants you to be rich.

Nurture Investments
Kanpur
9839034761

STRUGGLING FINANCE TO FINANCIAL INDEPENDENCE

From struggling finances, to financial independence, with full retirement planning and preparedness for expenses in near future..... that's my journey of last 20 years.

I am thankful to God for helping me to come all that way.

Howsoever intelligent and qualified an individual might be, often he is the one who is ignorant of things that really matter, in his own case.

Come sit with me on a cup of tea, I can really help you to make your walk-through your financial life joyful.

NURTURE INVESTMENTS
Kanpur
9839034761

IF 10 YEARS WAS MINIMUM LOCK-IN PERIOD FOR MUTUAL FUND

If minimum lock-in period was 10 years for every Mutual Fund investment, would you invest in Mutual Funds ?

Indians saved in Real Estate, Gold Jewellery & Insurance Policies.

No price discovery, no worries.

Unfortunately, Mutual Fund which is the best product, but with daily NAV, has suffered the most because of irrational, crazy and distracted investor-behavior.

Invest in Mutual Funds for long term wealth creation.

You will never be able to make money in Mutual Funds unless you invest through us.

Trustworthy. Genuine people. Good disposition. Best advice. Professionally qualified.

NURTURE INVESTMENTS
Kanpur
9839034761

DO YOU WANT TO STOP YOUR SIPs ?

After loosing good money in stock market in 2005, I switched to mutual funds and started investing from 2005 onwards in Mutual Funds through SIP mode.

But after completing 3 years of SIP investing in Mutual Funds also, there were negative returns, in my portfolio, due to markets crashing in 2008.

I witnessed huge negative returns in the crash of 2008 and also in 2012 and 2015 respectively.

But some how I had good faith in Mutual Funds and I continued investing with full faith and remained invested in all market ups and downs.

In those days real estate was an asset class which probably no one could avoid investing in. But because, I wasn't having enough money, courage and time to invest in real estate, I had to remain with mutual funds for all my investing needs.

I made many mistakes, as there was no one who could have guided me.

Google, YouTube and internet were also in their nascent state then.

Today, I can call myself as financially independent, which I could do by controlling my emotions and NOT stopping investing in bad times, which has eventually enabled me to attain Financial Independence by this age.

So whatever, I know its because of my first hand experience (but for you, I am there to help and educate you)

I have neither been watching the news channels that forecast markets nor have been listening what people say will happen in stock market in near future.

I have learnt that once someone decides that he will be a long term passive investor, becoming short term or changing his mindset frequently will give him costly experience and learning ...and nothing more.

SCARED - MY INVESTMENT NOT GIVING RETURNS

Rise and fall in market is inevitable.

Only those investors are fearful in the sinking markets who think, that the markets would never come up again, which doesn't seem to be logical from any degree of prudence.

History tells us that all bull markets have been preceded and followed by the bears, always.

Don't over-think about the markets. You already know and understand fully-well, the nature of the market.

Just recall, the fact, that at the start of your investing journey you were enthusiastically prepared for remaining invested for at least 5 years and also to invest more during bear phase.

Don't get disheartened by the notinal variations in your invested corpus.

If your investments are not giving good returns, it's time to be patient or you may also treat it as an opportunity to invest or at least top up your SIPs with one or two installments.

Good times would soon be back.

In your memories you would though treat this as missed opportunity, later.

All the best.

Understand investing, understand life.

Read the article below....!

How investors gain from a market fall - Times of India - http://toi.in/RKdtEa/a31gj

Nurture Investments
Kanpur
9839034761

HEALTH INSURANCE

Future is unpredictable and uncertain. No one can predict the time of illness or an accident.

You save bit by bit but in case of an unfortunate event you would spend all your savings in one go.

Don't let medical emergencies drill a hole in your pocket.

Buy a sensible Health Insurance plan today.

No investment plan is worth-while, unless you have an adequate Health Insurance.

If you care for your family and if you care for your finances, you should have Health Insurance.

In simple words, a sensible man, would always have a Health Insurance.

You have time and money for every thing, including those things which spoil your health but you don't have time and money for something which can be so helpful in an unfortunate hour of distress  .... that's a paradox and so unfortunate.

If you think you don't need a health insurance plan .... think again.

I bless you with good health and all good things in life.

But before I do that, I have adequate health insurance for myself, my family and even for my staff.... And you ...??

And yes .... One more thing ....!!
"Online insurance plans are cheaper." This is a misconception.

Checkout premium with a representative before you buy a Health Insurance plan.

Buying insurance after discussing with your financial advisor or a representative might be a better alternative, besides he might be helpful later, in various ways.

Nurture Investment
Kanpur
9839034761

TERM LIFE INSURANCE

Term Life Insurance:

Know The Benefits And The Reasons Why You Need A Term Life Insurance.

Life Insurance advertisements have been circling around us for as long as we can remember. As kids, we saw many ads talking of being there for your family at every step even after our existence meets its end. Such advertisements had a huge impact on our families as it made our parents aware of the importance of life insurance. What followed was an increase in the number of people opting for life insurance. If you happen to be one of those who has life insurance, opting for Term Life Insurance will only add on to the benefits that you already have within your reach. And if you are one of those who hasn’t got any life insurance so far, then the Term Life Insurance is the best one to start with.

What is Term Insurance?

Term Insurance provides financial protection to the beneficiaries in case of death of the life insured during the term of the policy. It is the most affordable form of life insurance coverage. The Term Life Insurance has been specially designed to take the utmost care of the family members in case the bread-earner passes away. Once a person gets this insurance he/she can be assured that his/her family will be financially taken care of even in their absence. With the insurance helping them out at every step, the family of the insurer can lead a normal, healthy life without worrying about cutting down on their lifestyle. While picking out an insurance plan, you’ll need to be careful a lot of things. It has to be an educated choice as in the end it concerns your family. Your choice should be able to help your family maintain their lifestyle, inflation should be kept in an account and lastly, it should take care of your existing liabilities preventing the worries of EMI repayments.

Benefits of Term Life Insurance

A term life insurance is the simplest form of financial protection to the beneficiaries in case of death of the life insured during the term of the policy. It acts as that pillar of support that will keep the family of the insurer afloat, financially. The term plan offers peace of mind with affordable premiums and a life cover that the insurer can choose depending on his/her family’s lifestyle and financial needs.

Some of the benefits of getting a term life insurance are mentioned below.

# Large life insurance cover at affordable prices are possible.

# It protects your loved ones against any sort of unforeseen event.

# It can also cover your financial liabilities.
Term life insurances also help the insurer during critical illness.

# It also offers tax benefits on premium paid and the payout received.

# Supplementary income is given in case of loss of income due to accidental disabilities or illness.

Why should you get a Term Insurance Plan?

As already mentioned above Term Life Insurances not just protect the insured's family in the absence, it also extends support if the one taking the insurance is critically ill. Not just that, it comes with a lot of other benefits, all of which have already been mentioned in the above paragraph.

Useful Features of Term Insurance Plans

Some of the useful features of Term Life Insurances are mentioned below.

# Most cost-effective plan.

# The Policy Premium is to be paid only till retirement.

# With term life insurance you will have the flexibility to receive the payout as a monthly income in addition to a lump sum amount.

# Choose riders to make your term plan more comprehensive.

# At major life-stages, you can enhance/increase the insurance cover.

# Term Life Insurance you get variants of life insurance plans to pick from at major life-stages like, young and married, married with no children, married with young children, parents with children in school, nearing retirement. All of these stages come with their own variant.

What are Riders in Term Life Insurance?

In order to enhance the base policy coverage, Riders are opted for. These are additional optional features. There are many riders that can be attached to the base term plan. A few built-in riders are offered by most of the companies. It is crucial to check whether the Riders are an inbuilt feature in the same policy plan or can be opted for as an add-on to the policy.

Types of Riders in Term Life Insurance.

Most common Riders in Term Insurance are:

# Accidental Death Benefit Rider.

# Accidental Total and Permanent Disability Rider.

# Critical Illness Rider.

# Waiver of Premium.

# Accelerated Death Benefit Rider.
# Hospital Cash Rider.

Reasons Why Term Insurance is Affordable

# There is no investment component involved. It is a pure insurance plan.
The nominee will be paid by the insurance company only in a case where the life assured dies during the policy period.

# The online purchase of term insurance helps save a lot of money on administration and other charges.

# You will have to pay only a sum of 2-3% of your annual income for a cover of 20 times of your annual income.

NURTURE INVESTMENTS
KANPUR
9839034761

RICH IN SHORT TIME ??

Start SIP in Equity Mutual Funds for long term wealth creation. Take advantage of our highly advanced technologically upgraded e-platform to view all your investments and transact online just by click of mouse.

NURTURE INVESTMENTS
9839034761

I WANT TO HELP

THIS MESSAGE NOT FOR MONEY, NO COMMERCIAL MOTIVE INVOLVED – SIMPLY WANT TO HELP …………. !!

Just to share with you, there has actually been time in my life which
lasted few years when I wanted to end my life.

YES you read it right.... I wanted to commit Suicide.

I had friend, who ditched me. I could never communicate with my parents who were themselves in constant respective struggles of their own. I was a loser all through. I was almost sure that whatever I would do I will fail.

When this was all going on with-in me, no one was knowing about this.

So, I really know what it really means when someone is DEPRESSED or wrecked.

My entire schooling has been from the best School (Jaipuria) of Kanpur, where teachers contributed to my misery further. Insult and punishment for not completing the home-work was an every-day ritual of my school life.

Those days, teachers were allowed to insult and beat students with hands, stick, rod and fist.

I have experienced failures, crisis, ignominy, frustration and struggle.

Today, it has been a long time that I have come up of all negativity and
bad times.

I consider myself happy, extremely self reliant, commanding dignity,
financially independent, having many friends. Blessed with good family,
friends and lot of professional work.

I therefore practice humility and gratitude on daily basis and remain
reminded of my own mortality each moment.

I am so-very PASSIONATE, therefore to help people to live happily and
peacefully.

If you are the one who is right now going through any crisis, depression or a problem you can just anytime talk to me for a friendly help.

Even if you don't consider me a friend still, I promise to do whatever the best I could have done for my dearest friend.

And if this message doesn't mean anything to you, then please forward it to someone whom you think might be in need my help.

You can know more about me by searching me on Google....

..... Just search for "Rajivfcs" or "Rajiv Kapoor Kanpur"

I am conspicuously present on Twitter, Linked in, Facebook, YouTube, what'sapp and Google plus.

You can visit the following links to know more about me

www.rajivfcs.weebly.com <http://www.rajivfcs.weebly.com>

www.rajivfcs.blogspot.com <http://www.rajivfcs.blogspot.com>

www.facebook.com/rajivfcs/ <http://www.facebook.com/rajivfcs/>

Whatever might be your age, whatever problem you might be having, studies, health, legal, financial, career or just anything worth worrying about....
Just share with me.  Mere sharing your problem will make you lighter and happier………… and this is nothing for money, no commercial motive involved.

Good day. May God be with you always.

Rajiv Kapoor

BSc, LLb, FCS, IFA

Member ICSI,  KITBA, Rotary Club, Cawnpore club and Ganges club

9839034761

What to Do With Losing Stocks in Your Portfolio

What to Do With Losing Stocks in Your Portfolio
I recently met Shyam my old friend who owns 45+ stocks in his portfolio, most of which are bad businesses – he realizes that – and are deep into losses despite the decent run in the stock market over the last few years.

“What should I do with these stocks?” he asked me. And he is not the only one who’s asked me this question in the past. I have met numerous people over the past few years who have held on to bad businesses and losing stocks in their portfolios, and not knowing what to do with them.

One way people look at such stocks is – “Oh, this XYZ stock is already in a deep loss. What would I get by selling it anyways?”

Another way is – “I will sell this ABC losing stock only when I get my capital back. I don’t mind holding it for the long run.”

Well, this second thought is what creates a lot of “forced” long term investors – people who stay invested in a bad stock for the long term because they don’t think they have an option to sell it.

Nobody Likes Losing
That’s true! So why do people hang on to losing investments?

Because selling feels even worse.

The pain of a loss is substantially greater than the pleasure from a gain, researchers of investment behaviour have found.

People will go to great lengths to avoid pain. Accordingly, our inclination when facing a financial loss is to convince ourselves that the asset is going to bounce back and we will at least break even.

“It’s only a paper loss,” people would tell themselves. “It’s not a real loss until I sell.”

Anyways, one suggestion I gave to my friend’s brother was to hold on to businesses he knows are “obviously” good, and sell the ones he knows are “obviously” bad, irrespective of what those stocks have done in the past.

“Your cost price does not matter when you are looking to decide what to do with a stock in your portfolio,” I told him. “What matters is today’s stock price – assuming it’s a good business and you are looking to buy that stock afresh today – and your expected returns from it over the next 10 years.”

If you wouldn’t buy more of a stock today on which you have a loss, sell it. Don’t wait to “get even.” Chances are there are better ways to invest your money.

No well-managed store keeps obsolete goods in inventory; neither should you keep losers in your investment portfolio.

And if you think “How much more can it fall from here on?”, please note that every 90% loss begins with a 10% loss, and then goes to 20%, then 30% and so on. So, when you realize you’ve made a mistake in the matter of stock selection, it’s better to take the loss sooner, not later.

In his Owner’s Manual, distributed to Berkshire Hathaway shareholders in 1999, Warren Buffett wrote –

Do not think of yourself as merely owning a piece of paper whose price wiggles around daily and that is a candidate for sale when some economic or political event makes you nervous. We hope you instead visualize yourself as a part owner of a business that you expect to stay with indefinitely, much as you might if you owned a farm or apartment house in partnership with members of your family.

Now, “indefinitely” is a long time. Although Buffett was talking about his own company, Berkshire Hathaway, his advice applies to any well-run company. With regard to Berkshire‘s portfolio of companies, he noted in his 1996 letter to shareholders that…

We continue to make more money when snoring than when active. … You simply want to acquire, at a sensible price, a business with excellent economics and able, honest management. Thereafter, you need only monitor whether these qualities are being preserved.

The last sentence gives us the first clue about when to sell: if the company no longer provides “excellent economics” or is no longer run by “able, honest management.” Thus, if your original investment thesis is no longer valid, consider getting out regardless of the stock price.

Time and time again, investors take profits by selling their appreciated investments (“Oh, what if I lose my gains!”), but they hold on to stocks that have declined in the hope of a rebound (“I want to get my money back!”).

If you don’t know when it’s time to let go of hopeless stocks, you can, in the worst-case scenario, see the stock sink to the point where it is almost worthless – a permanent loss of capital.

There is no guarantee that a stock will bounce back after a long decline. While it’s important not to underestimate good stocks, it’s equally important to be realistic about investments that are performing badly (because the underlying business is bad).

Recognizing your losers is hard because it’s also an acknowledgment of your mistake. But it’s important to do that sooner than later.

Don’t be afraid to swallow your pride and move on before your losses become even greater.

“And then,” as I advised my friend’s brother, “Start with a clean slate, and this time, please do it sensibly.”

My Tweets

08.09.2018
False humility is a higher form of ego. When we genuinely realise how little we know, how limited our understanding is and we don’t even know what we don’t know; ego automatically reduces and humility increases.

11.09.2018
Money need not necessarily provide freedom. It only gives option to pursue freedom. For many, financial success further entangles them into slavery.
 

17.09.2018

If future looks certain and clear, it’s likely that we’re underestimating risk.

SHOULD ONE BE FRUGAL ??

SECRETS OF WEALTH CREATION

SHOULD ONE BE FRUGAL ??

Living life is miserable, if you hate your job and can’t afford to quit because you can’t miss even a week without pay.

If you live below your means and save 10% of every paycheck, you’ll have a very good cushion for emergencies within a year. In 5 years, you’ll have roughly 6 months salary saved - that takes away a lot of stress and worry.

Once you learn to live frugally, it becomes a bit of a game. I know which is the cheapest (and good quality) restaurant in my area, which store has the cheapest groceries and which store saves me the most on medicines. I take out cash at the beginning of the month and see if I can stretch it for the whole month. I drive a well maintained 5 year old Nissan Sunny that looks elegant. I am member of Cawnpore Club and hence prefer to use the services of the club to the fullest. Clubs, offer the best and very low cost luxuries facilities to its members, I invest the money so save in mutual funds and have been patiently multiplying even the small sums of the moneys so invested and earn even more.

As a result, I can retire right now and be just fine.

However, I am not “penny wise and pound foolish” - I value my time and don’t take things too far. I’m frugal - not cheap.

I tip well at restaurants, hire the best to consultants and pay my staff well. I happily pay for quality items that will last for years.

This all thought process and life style comes from being an investor - I know how hard it is to make a 10% return so if I can stretch my money by 10% or more that’s like getting a tax free gain.

I never indulge in impulse buying of luxuries.

I am deeply influenced by reading about many frugal millionaires on google - the “quiet money” that will pay for quality, but not pseudo luxury brands. Many people who look rich have a lot of debt and are just “pretending” to be wealthy. One small crisis and they would lose it all.

You may read https://thecollegeinvestor.com/5656/5-millionaire-neighbor-telling/ and such other articles on google. They are very helpful.

Being reasonably frugal helps you build a cushion for the inevitable emergencies in your life. You won’t make smart financial decisions when your back is against the wall and you have to decide which bills to pay or what possessions to sell to make ends meet. The larger that cushion, the more peace of mind you’ll have. And that as they say, is priceless.

RAJIV KAPOOR
CERTIFIED INVESTMENT ADVISOR
9839034761

CAN WE BUY HAPPINESS ??

CAN WE BUY HAPPINESS ??

Lakshmi finishes her work at the construction site and goes to a grocery store.

She realises that she doesn’t have enough money to buy all items.

So she removes the sugar packet from the basket and convinces herself to have sugarless tea till she gets her salary. She leaves disappointingly.

-------------------------

Anita has come to the largest mall in city to buy a new business suit and Breitling watch for his son.

On the way, she sees her favourite bakery selling their best chocolate cake. She wants to buy.

But she knows that she can’t have it because of her diabetes. She leaves disappointingly.

---

Arun is in a faraway city hunting for a job. He feels depressed as nothing is working out for him. He wants to talk to his mother to feel relieved.

But he has very little money to spend on calls. He is sad.

Krish ran away from his house at an younger age. He got into import and export business and made a lot of money.

He has the most expensive phone, but he feels very lonely as he doesn’t have any genuine person to share his happiness with. He is sad.

---

Anant is an athlete.

He wishes he had enough money to buy shoes so that he could run like other athletes.

Kamat is a millionaire.

He wishes that he had legs so that he could walk like other people.

---

The bottom-line is:

happiness = f (money, love, health, time, work, ……)

Happiness comes in different sizes through different variables.

Money is only one such variable. It can buy you happiness sometimes.

At all the other times, it doesn’t matter whether you have one hundred or one million, happiness will still be far away from you.

Rajiv Kapoor

Investment Advisor

9839034761

BE THANKFUL

Sharing one BIG secret of my progress and happiness. I am GRATEFUL.

I am grateful to everyone..... including the inanimate things which I use on daily basis. Being Grateful makes me adjusting, patient and loving..... !!

Be grateful and see how life becomes a romance....!!

Appreciation can change a day, change a life. Your willingness to put it into words is all that is necessary - Margaret Cousins

I try to say THANKS frequently. Initially that was a word. Sometimes with no meaning at all. But having used it for long now and having understood the power in that word, I now mean it to the fullest whenever I utter that word. 

I have seen the sparkle in the eye of the person to whomsoever I have said THANKS.

I try and appreciate when someone including those who are paid to do their job that way ie a servant or a shopkeeper does anything for me. 

It maybe the smallest thing but a little thank you with a smile never hurts anyone. It creates two people happy, who may spread that happiness further creating even more happiness.

Happiness is all that required to conduct our life affairs sensibly or Happiness is life itself. 

Be grateful and Happiness will find its way to your heart and life.

BE A DISCIPLINED INVESTOR

In investing the difference between most brilliant and the dumb is insignificant. What matters is the discipline and not how lucky or brilliant you are.

Be a disciplined investor. Start SIP in Equity Mutual Funds for long term wealth creation.

Take advantage of our highly advanced technologically upgraded e-platform to view all your investments through a single login.

View, manage, transact and monitor all your investments at your fingers ease.

Solid knowledge, professionally qualified, genuine advice, courteous disposition, passionate to help you.... your friend forever

Rajiv Kapoor
Kanpur
9839034761

LIVE SIMPLY

Secrets of Wealth Creation

Live simply... !!

A house and a car to impress friends, relatives and neighbours are the two biggest cause of stress for most of us. Isn't it ??

People want to look rich, instead of being actually wealthy...!!

Things costlier in monetary terms, might not always be valuable...!!

Focus on wealth creation, so that you may live happy and contented. Take care of yourself.

No one will extend financial help to you in the hour of distress.

Consider yourself wealthy even while you lead a simple life.

Wealthy people often practice frugal lifestyle.

Rajiv Kapoor
Certified Investment Advisor
9839034761
Kanpur

RETIREMENT AND YOU

Many people opt for premature retirement, much before they are 60 years of age. This decision could be guided by medical, personal or professional reasons, or a combination of them. If you are also looking at premature retirement, you will need to make several changes, both big and small, in your strategy. You will have to shape your portfolio keeping the new goal in mind. You will also have to adapt to the new realities, both on the emotional and financial fronts. Here is how you should approach the issue and deal with the challenge.

THE BIG PICTURE

Ask yourself the fundamental question: What will I do after retirement? If you don't have a clear answer, you might be in for tougher times. Also, get an idea of the kind of planning and investments required.

An early retirement might also require you to develop some new skills. Have an action plan for it. With rising life expectancy, the non-earning period spans almost 25 years for people retiring at 60. For those retiring early, it could be as long as 35-40 years. A longer retired life will mean a longer battle with the ill-effects of inflation. Accept that an early retirement may entail compromises and tweak your spending accordingly.

KICK-START PLANNING

Your first step would be to get a fix on the retirement age. Next, prioritise your financial goals and have targets (in terms of the money needed) for each of them. Remember, the timing of some of your major financial goals, such as children's higher education and wedding, could well happen after retirement, if you exit prematurely.

INVEST RIGHT

Keep substantial savings in growth investments, such as stocks, equity mutual funds, real estate and gold, as, apart from giving you confidence, they help you create a buffer for uncertain times. Equities help you offset the damage caused by inflation, generating highest returns among all asset classes over the long term. Ideally, put 60-80 per cent of your assets in equities. Earmark each portfolio for a particular goal and, as you near it, start moving funds from volatile equities to less volatile debt assets to preserve the accumulated capital.

ADDRESS HOME ISSUES

By the time your retire, you should own a house and, ideally, have paid off the home loan. If you don't plan to work after retirement, consider relocating to a place with a lower cost of living.

SECURE COVERS

Ensure that you have a pure term insurance plan. Also, get health covers for yourself and your family members. Managing unforeseen risks is equally important while creating wealth and chasing goals.

GET THE SECOND CAREER EDGE

A second career will position you better for meeting your financial goals. This is because besides regular pension, it will also bring you a monthly paycheque. Some of your unmet goals can be met through this income stream, although depending entirely on it is not suggested.

MASTER THE BASICS

When you are planning, assume your age of retirement a little lower than what you would otherwise expect and your life expectancy slightly higher. This will ensure that you have an adequate surplus to meet contingencies in old age. Find out how much you should invest every month to save for an adequate retirement corpus. You can try systematic investment plans (SIPs) that capture the power of compounding. The earlier you start an SIP, the more your money will grow. Keep loans in check, especially unconstructive debt, such as credit card and personal loans.

Last but not least, have a plan B in place to tackle any negative surprises.

Don't Chase Returns, Focus on Process and Quality

How much ever you develop knowledge, there would be many better than you. If you develop emotional balance, there is very less competition.

Overreaching for returns many a time ends in wealth destruction instead of creation. Instead of quick returns, focus on sustainable wealth creation.

Don’t look only at returns, especially short term. Look at the quality of process. Long term outcomes are primarily determined by process quality.

Mutual funds are best option for those who want to harness the power of equity but may lack time or expertise in stock picking

Invest with confidence, take advantage of my little knowledge and experience.

Make your investing a blissful experience with our high-tech e-platform. View and manage all your investments by a single intelligent login.

Rajiv Kapoor

9839034761

ONE WEIRD MONEY SAVING IDEA

Buying a car v/s Uber or ola:

An analysis.

Any car in india cost atleast Rs 6,00,000

Scrap value after six year - Rs 1,00,000

Net amount goes in effective Life of six year Rs 5,00,000

Nos of days of six years is 2200 days So Rs. 5,00,000/2200 = Rs. 230 /day.

Yearly insurance Rs 15000 = Rs 41/day

Daily petrol minimum = Rs 100/Day

After every 3 years tyre & Battery change charge Rs 25,000 i.e. = Rs. 23/day

Yearly maintenance of Car Rs 9000 i.e = Rs 25/day.

If driver employed =Rs 300/day Plus interest loss on Car buying amount @8% on Rs 6,00,000 = Rs 131/day

So total daily expenses just after buying new car = Rs 850/day

So friends until you pay Rs 850 daily to hire a cab you are effectively in gain travelling in uber or ola.

RAJIV KAPOOR
9839034761