NJ Mars

https://www.njwebnest.in/esaathi/index.php/nj-mars

Pull your funds off the market when it is at top and re-invest when the valuations are pretty low …….. you always wished something like this could you do ever …… didn’t you ???

Congratulations !!!! you have that now …. Presenting MARS - MUTUAL FUNDS AUTOMATED REBALANCING SCHEME….

Check out the link below for more details.

http://www.njwebnest.com/esaathi/index.php/nj-mars

Kindly take out some time from your busy schedule to understand MARS. It’s simple …… worth giving a try.

I am investing through this.

You too can invest in MARS as one time lumpsum (min lumpsum Rs 1 lac)  and also through SIP (minimum SIP Rs 10000).

There is no management fee and no hidden cost.

Want more details talk to me ….

WHAT ABOUT YOU ?... TAKE CARE...

February 2, 2016

WHAT ABOUT YOU ?... TAKE CARE...

Sensex is low. Market PE is cheap. This is just the right time to enter the equity markets.

But if I purchase shares, it may be a risky proposal, I may lose my money.

That is so true but where there is risk there is a reward. So what to do?

I think I should be taking help of a professional who is well qualified in buying and selling shares and direct him to invest in shares on my behalf... or will be even better to employ such an individual so that he keeps my investments well monitored... isn't it a better idea?

Yes it is fantastic idea, but doesn't seem viable.... I wish I could have employed a fund manager for managing my investments without making any payments to him, but that neither looks possible nor viable.

Let me think.... I think I am mistaken.... that is very much possible... I can do that by investing through Mutual Funds.

But are mutual funds not risky? They are but since they are monitored, by a qualified fund manager, risk is minimal.

But what if I further want to keep risk at bay.... I think instead of investing in one go, I should be investing small sum of money at regular intervals for further reducing my risk.... so why not invest through SIP mode, that will further reduce my risk. Will it not?? Yes it will.

But I don't have any extra money to invest, as all that I earn I spend and whatever I save I have to invest in tax savings investments under section 80C.

Don't worry that's absolutely not a problem... I think investing in an ELSS funds would be just appropriate for me ..... and that is exactly what I have been looking for.

I got it... I got it .... I am so happy I got it....

So I now stop this monologue and rush to buy an ELSS fund before the close of instant financial year and will also start a SIP in an ELSS fund so that for next year my 80C investment is automatically taken care of....

Hurray that's so fantastic I am sure I will create more wealth now....

What about you?? Take care...

Rajiv Kapoor
FCS
9839034761

Equity markets – Don’t rationalize the irrational

Equity markets – Don’t rationalize the irrational

It is said that most equity investors know the price of everything but the value of nothing. The markets are obsessed with price. In the short-term, price is determined by marginal opinion. As John Burr Williams in his book The Theory of Investment Value says, “Today’s opinion will make today’s price, tomorrow’s opinion, tomorrow’s price!”

Today, world over, rapid changes in opinion lead to rapid changes in price. One key reason for rapid opinion change (hence price change) is global integration of economies and markets. Take India for instance. Here, we have –

• Low import tariffs, leading to landed-cost dollar pricing for many products
• Limited capital account controls, leading to free inflow and outflow of FII and FDI monies
• Real-time global news flow, thanks to the internet.

These factors combine in various ways to keep creating short-term noise, influencing short-term stock prices. However, the underlying businesses that these stocks represent are not that volatile. Their value changes at a price which is unaffected by short-term noise and more influenced by longer term fundamentals such as –

• Quality of business – competitive landscape, return on investment, etc
• Quality of management
• Growth in medium- and long-term earnings.

 Equity markets tend to be highly irrational in the short-term but fairly rational in the long-term. So, investors are advised NOT to rationalize the short-term irrational prices of stocks, but instead, focus on the long-term rational value that their underlying businesses deserve.

Winner in equity markets = Strong emotional construct + Time-tested investment philosophy

Warren Buffett has said, “A simple rule dictates my buying: Be fearful when others are greedy, and be greedy when others are fearful.” Thus, in equity markets, winners will be those with a strong emotional construct, especially when managing public money.

A strong emotional construct will need to be complemented by a time-tested investment philosophy, a simple and clear investing process, and most important, courage and discipline to practice the philosophy/process through vagaries of the market.

In conclusion

The above discussion is aptly captured by Benjamin Graham in The Intelligent Investor, “In the short run, the market is a voting machine but in the long run, it is a weighing machine.”

Going forward, short-term irrationality may go to extreme levels. As investors, we must capitalize on these opportunities. We have to sharpen our techniques not only to buy right, but also to sell stocks at irrational extremes.

Time to be Happy

Time to be happy is now,
Place to be happy is here,
And the way to be happy is to make someone happy,
And have a little heaven right here...

Sensex slips over 800 points

Blood bath at Dalal Street

Sensex Slips over 800 points today ………. This is Good opportunity to invest….

History suggests that investments made in depressed markets fetch wonderful returns ever after.

I have few SIPs so am making additional purchases in the same /respective schemes.

In case you are looking for making investments under 80C, buying ELSS Funds at this time may be just the right advice for you.

Don’t be scared of losing your money ……. Stay invested with confidence.

You will do good to yourself in long term.

Wishing you wealth and health always

Invest in Mutual Funds for long term wealth creation... ACT NOW...

The best tax saving investment: Should you invest in PPF or ELSS

The best tax saving investment: Should you invest in PPF or ELSS