POWER OF DOING NOTHING - IN INVESTING

Many investors believe that better returns require constant action -buying, selling, switching, reacting.

In reality, some of the most powerful forces in investing are invisible and quiet.

The Power of Doing Nothing

Markets reward time, not activity. Every unnecessary action increases the risk of bad timing, costs and emotional mistakes.

The Power of Saying Nothing

Not every headline needs a response. Markets make noise every day, but wealth is built by ignoring most of it.

The Power of Ignorance

Being unaware of daily market ups and downs is often healthier than being hyper-informed. Too much information leads to anxiety, not returns.

The Power of Patience

Compounding works only when it is allowed to work. Interrupting it midway is like pulling out a plant every week to check its roots.

The Power of Silence

Markets recover quietly. Panic is loud; growth is silent.

The Power of Meditation

A calm mind makes better financial decisions. Emotional investing—driven by fear or greed—has historically destroyed more wealth than market crashes.

Successful investing is not about outsmarting the market, but about outlasting emotions.

Often, the most profitable decision is simply to stay invested and let time do its job.

 

WHAT HAPPENS WHEN YOU REDEEM DURING A MARKET FALL?

Imagine a situation……… :

 

* Markets fall → NAV becomes cheaper

* You decide to redeem everything

 

What does that really mean?

 

* You sold all your units in the evening at a low NAV

* Next morning, when prices are low and attractive…

* You are no longer invested

* You skip the very day when investing actually makes the most sense

 

So exiting in a falling market is not just “protecting money” ………

 

it is choosing not to invest when prices are on sale

 

When markets fall, continuing to stay invested means you are buying at lower price.

Redeeming at that time means you are refraining to buy exactly when prices are attractive.

 

It’s like stopping to invest exactly when the market is offering discounts and choosing to invest when prices go up again.

 

 “Markets don’t hurt investors by falling. Investors hurt themselves by getting out when markets fall and coming back when markets rise.”

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 🏥

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💡 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