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

WANT TO PURCHASE CAR....

Unbelievable....😳

Did you know that you can purchase a car (say Honda City) after 5 years with an .....SIP of Rs 7000 per month, with yearly top up of Rs 1000 and initial investment of just Rs 1 lac.

SIP Amount:   7,000
Tenure (Months): 60
Rate of Return: 15.00%
Top Up Amount:   1,000

Top Up Frequency: Yearly

Initial Investment Amount:   100,000

Investment Amount:   640,000
Maturity Value:   991,370

Isn't that simple.... !!

I can give you many more such financial planning tips depending upon your future needs and life plans ....!!

Good Day

Rajiv Kapoor
9839034761

TIME IMPORTANT FACTOR IN WEALTH BUILDING

In wealth building time plays important role.

Your risk decreases and wealth multiplies with time. The more you stay invested more you gain, as power of compounding works as income generating machine. So sincere advise to you in all good faith and in keeping all your interest in mind, start early, don’t let the time to elapse for no gain.

Just go through the illustration, below:

Mr Gupta started investing in Equity SIPs when he was of 25 years of age @ Rs 5000 per month.

Mr Saxena was a friend of Mr Gupta and was of exactly the same age.

One day Mr Gupta told about SIPs to Mr Saxena, who became interested in investing in SIPs. He thought that since he is now late in starting his investment journey hence he should be starting @ Rs 15000 per month ie thrice the amount which Mr Gupta was investing.

Both Mr Gupta and Mr Saxena continued in their respective SIPs upto their respective age of 60 years.

Mr Gupta invested Rs 21 lacs over a period of 25 years. On the other hand Mr Saxena invested Rs 27 lacs over a period of 15 years.

At the end of the 60th year Mr Gupta’s wealth stood at Rs 5.70 crores WHEREAS Mr Saxena’s wealth stood at Rs 92 lacs only.

(The above example is based on assumption @ 15% CAGR, which is considered as average return in equity mutual funds in long term)

SO START EARLY ………

To start your SIP make use of our technically upgraded e-platform especially designed for your convenience to make your investing a blissful experience.

With the help of our e-platform you can continuously monitor your portfolio and realign /re-balance it to your goals on a regular basis.

Realigning /rebalancing your portfolio not only reduces the risk but also helps you achieve your goals.

Happy Investing... !!

Rajiv Kapoor
9839034761

IMPORTANT FINANCIAL TIPS

Some very important financial tips that everyone should know ....

1. Avoid buying property on loans as it eats most of your earnings unless you have a clear plan for its repayment. It's important to monitor cash flow. Though, the house will be your asset, your liability will be much more.

2. Start a SIP at a very young age. Try to save atleast 15–25 % of your earnings.

3. Avoid buying a car unless you use it everyday.
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4. Do not let this sentence scare you. “Mutual fund investment are subject to market risk. Please read the offer documents carefully before investing”. Most people avoid investing in mutual funds just because of this one warning. Yes, there is a market risk, but look at the history and growth of mutual funds.

5. Try having a simple wedding.

6. Atleast 20% of your wealth should be liquid so you can utilize it when necessary.

7. Considering inflation, you are actually losing money if it is in savings bank account. Do not keep huge money in savings bank account.

8. If you invest in stocks, pay due attention.

9. If you invest in stocks have a separate account for delivery investment and Intraday investment. It is easy to monitor this way and also makes tax calculation easy

10. Do not have a belief that property and car make you rich. Its what you save and invest, that is important.

11. Never invest in insurance for returns. Insurance is not an investment option. It is a risk management tool.

12. Never use credit cards for lavish spending. Use credit cards intelligently and for needs not for wants.

13. Cancel all credit cards before you die. Or inform family about all your accounts, credit cards, loans and saving now itself.  Even a small residue will cost your family much.

14. Invest on yourself and then on other investments.

15. Always try to balance your earnings with your savings first, then on  spending and loans. Never take unnecessary loans. Always have reserve and utilise them and unless no other go never take loan.

16. Always have a plan for future events on your career, life, spending and finance.

17. Always have a reserve on your savings for contingency and urgent situations.

18. Your personal life and health are the most important investment. Do have a regular health check and do healthy workout every day.

Stay healthy and live happily.

Rajiv Kapoor
9839034761

IS IT GOOD PRACTICE TO BUY A STOCK AT 52 WEEK LOW ?

Whenever a reputed company falls drastically, people tend to buy it thinking its available at attractive price.

Buying stocks that are in a downward price is the most common mistake among novice investors.

The typical scenario for this particular mistake is an inexperienced investor looking for stocks near their 52-week lows. The novice wrongly assumes that if a stock is near its low for the year then it must be "low" and therefore is an opportune position to be bought.

Often, investors convince themselves that buying a stock from the 52-week lows list is not a risky proposition because of that stock's low price relative to past earnings, book value, or some other measure of value.

But in reality, buying a downtrend stock is always risky, as you are betting against the entire market's assessment of the company's earnings trend. If a stock is making a serious decline it is because market participants know some facts about the company's future earnings potential - facts that you may not be aware of no matter how well you research the company.

 Rajiv Kapoor
9839034761