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

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.
.
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

TRUST PEOPLE - Secrets of Wealth creation

Secrets of Wealth creation:

TRUST PEOPLE

People who created wealth, were people who TRUSTED the most.

They TRUSTED anyone and everyone.

Trust people.... Only handful of people (say 1℅) may be dishonest.... rest are TRUSTWORTHY.... !!

Take away message..... it may be not only difficult and dangerous to trust anyone or everyone, but you can trust something which is regulated by Govt./SEBI and actively managed by a professionally qualified, highly trained, experienced and competent fund manager.... MUTUAL FUNDS...!!

Trust Mutual Funds for long term wealth creation.

To invest in Mutual Funds with extreme ease and to manage your investments later, through technologically upgraded and innovative tools.... Call....

NURTURE INVESTMENTS
98390-34761

An investor’s biggest enemy is the investor himself.

How Does Your Behavior Affects Your Returns on Your Investments?

It is a known fact that the returns of an investment instruments (say mutual fund) and the actual return of an investor vary significantly.

Why is that?

Before we take it up, let’s look at this question.

Is it advisable to continue SIP for ICICI Prudential Dividend Yield Equity Fund Growth Direct Plan (return of -3%) and ICICI Prudential Multi cap Fund Growth Direct Plan (return of 2.1%), Started SIP from May month (this year). Present performance of the funds is too low, Can you provide me a solution to switch with other funds or redeem at this moment.

I get such questions often. You can ignore the amount. I can add a few zeroes and easily it can be a question from another investor. I see it all around including with people I know and care about.

To a large extent, the question also contains the reason for the difference between investment returns and investor returns.

The investor behaviour is in stark contrast to what is required to get market returns. This difference is known as the behaviour gap.

Okay! What should be the ideal investor behaviour? ……….. A systematic approach where the investor would

1. Identify his goals
2. Define his own risk appetite
3. Assess his current financial situation (income, expenses, assets, liabilities)
4. Identify his asset allocation or how you will diversify your portfolio
5. Select the investment instruments in line with asset allocation and risk profile.
6. Review periodically and rebalance investments to derisk the portfolio and maintain asset allocation

But what does the investor actually do:

• Invests a tiny portion of his investment into mutual funds or stocks.
• Invests a disproportionate amount of time on this tiny investment portion.
• Becomes obsessed about the highest returns.
• Acts on hot tips promising 15% returns instantly.
• Churns frequently from one fund or stock to another.

Goals, risk, asset allocation are all thought of some hi-funda concepts with no role in this investor’s life. Consequently, his own behavior neutralizes the returns which his investment could have generated.

With zero focus on risk, asset allocation, diversification, rebalancing and the goals, the investor keeps running around like a plucked chicken.

Most investors lose money as well as confidence. They give up any hope of building a sensible and smart portfolio.

An investor’s biggest enemy is the investor himself.

And it is so difficult to beat this enemy.

It is not impossible though.

How to Change Your Behaviour?

This is how it can be done.

• Figure out your goals and the requirements and how will you diversify your portfolio. Then go after it like it is the only thing that matters.
• Save more and invest more – Specially, in the initial years of your life. More than changing funds, this will help you build the big number to let compounding magic work for you.
• Have patience. Stop expecting a mutual fund/stock to deliver immediately.
• You can do without generalised advice from friends, colleagues, family, blogs, portals, magazines to build their own portfolio (yes, it applies to this blog too). You have to put your own context to your investment decisions. An FD can be good for one and a debt fund for another.
• Don’t just try to ‘do it yourself‘. Also invest time to learn how to ‘do it yourself‘. Getting some help and advice doesn’t hurt.

Easier said than done.

What is your own behaviour with your investments? Are you working on changing it? Do share with us in the comments.

Rajiv Kapoor

9839034761

Why investors do not listen to good advice?

Many investors say they can't take risk but still go ahead and invest randomly for short-term gains  

Of late, in my sessions, I have been getting a lot of queries about bitcoins and cryptocurrencies.

I recently addressed a group of middle-aged college teachers who were averse to investing in equities but were keen to start investing in bitcoins as the next best investment after real estate.

When I informed them about the risks and tried to advise them against cryptocurrencies, I was met with disbelieving looks and the general attitude was of ‘we know it all’.

One of my co-worker’s 75-year-old uncle, who had invested in traditional investments all his life, called her to ask her to check if he had shortlisted the right funds for investment. All the funds being considered were the best performers of the past 1 year and included small-cap and sector funds.

To make matters worse, he was planning to hold these investments only for 2-3 years. Despite her warning him about the pitfalls of this strategy, he invested in these funds saying they had given 30% returns in the past 1 year and even if there is some volatility, he would still make 15% returns.

What amazes me is that time and again people continue to make the same mistakes. They say they can’t take risks but buy at high and sell at low, driven by short-term returns on instruments simply because they feel they have lost out on past returns.

As a financial educator, I find people to be very defensive about their investment choices. The same individuals would be buying stocks based on advice from relatives or co-workers or based on stock tips on TV channels and websites. In these cases, good advice is not believed, as people want to justify that they have done the right thing.

The same is true for traditional insurance investments. People don’t like hearing that they have invested in sub-optimal instruments, which had been the ‘go to’ investment for many decades. Generally, if the advice is in line with a person’s thinking, it is accepted; if it is not, then most would not believe it.

The issue is also that people like to hear about complex things. When they hear simple and good advice, they feel it is too basic. In my sessions, one of the most common questions is what is the right time to invest. And I am met with stares when I talk about remaining invested for the long term in simple instruments like mutual funds.

Many investors are also looking at different products to invest into each time and find the thought of investing in the same product regularly, boring.

Sometimes, individuals feel overwhelmed by matters of finance and are likely to do what they want to, despite getting good advice. With so much information on the internet and from other sources, people get confused, which leads to wrong decisions even though they may be getting the right advice, as is the case with my co-worker’s uncle.

Essentially, people don’t listen to good advice because: 

• they feel they know better, even though they have no experience,
• they don’t like hearing negative things about what they have invested in,
• they think complex-sounding investments are exotic, and
• they are confused.

Unfortunately, most investors learn the hard way and only a few actually make any change. Investors are happy to blame product manufacturers for losses, rather than their own behaviour.

Most investors seldom think of a financial plan or goal-based investing. In the case of college teachers, when asked about their goal for investing in cryptocurrencies, the common response was: ‘to get good returns’.

And this is the way most people invest in India, without a goal in mind.

Unfortunately, the number of financial planners is low and investors are not willing to pay for financial advice.

Government and the regulator needs to ensure that the critical subject of personal finance is included as part of the curriculum during college studies.

In the meantime, financial advisers and educators should take heart from this Agatha Christie quote: “Good advice is always certain to be ignored, but that’s no reason not to give it.”

Rajiv Kapoor

9839034761

KEEP PACE WITH TIME - INVEST IN MUTUAL FUNDS

आज से 5 या 10 साल पहले ऐसी कोई ऐसी जगह नहीं होती थी जहां PCO न हो। फिर जब सब की जेब में मोबाइल फोन आ गया, तो PCO बंद होने लगे.. फिर उन सब PCO वालों ने फोन का recharge बेचना शुरू कर दिया।अब तो रिचार्ज भी ऑन लाइन होने लगा है।

आपने कभी ध्यान दिया है..?

आजकल बाज़ार में हर तीसरी दूकान आजकल मोबाइल फोन की है।
sale, service, recharge , accessories, repair, maintenance की।

अब सब Paytm से हो जाता है.. अब तो लोग रेल का टिकट भी अपने फोन से ही बुक कराने लगे हैं.. अब पैसे का लेनदेन भी बदल रहा है.. Currency Note की जगह पहले Plastic Money ने ली और अब Digital हो गया है लेनदेन।

दुनिया बहुत तेज़ी से बदल रही है.. आँख कान नाक खुले रखिये वरना आप पीछे छूट जायेंगे..।

1998 में Kodak में 1,70,000 कर्मचारी काम करते थे और वो दुनिया का 85% फ़ोटो पेपर बेचते थे..चंद सालों में ही Digital photography ने उनको बाज़ार से बाहर कर दिया.. Kodak दिवालिया हो गयी और उनके सब कर्मचारी सड़क पे आ गए।

आपको अंदाजा है कि आने वाले 10 सालों में दुनिया पूरी तरह बदल जायेगी और आज चलने वाले 70 से 90% उद्योग बंद हो जायेंगे।

चौथी औद्योगिक क्रान्ति में आपका स्वागत है...

Uber सिर्फ एक software है। उनकी अपनी खुद की एक भी Car नहीं इसके बावजूद वो दुनिया की सबसे बड़ी Taxi Company है।

Airbnb दुनिया की सबसे बड़ी Hotel Company है, जब कि उनके पास अपना खुद का एक भी होटल नहीं है।

US में अब युवा वकीलों के लिए कोई काम नहीं बचा है, क्यों कि IBM Watson नामक Software पल भर में ज़्यादा बेहतर Legal Advice दे देता है।

*समय के साथ बदलने की तैयारी करो।*


HMT *(घडी)*
BAJAJ *(स्कूटर)*
DYNORA *(टीवी)*
MURPHY *(रेडियो)*
NOKIA *(मोबाइल)*
RAJDOOT *(बाईक)*
AMBASDOR *( कार)*

 मित्रों..इन सभी की गुणवक्ता में कोई कमी नहीं थी फिर भी बाजार से बाहर हो गए.!!
कारण...
*समयके साथ बदलाव*
*नहीं किया.!!*

इसलिए...
व्यक्तिको समयानुसार अपने व्यापार एवं अपने
*स्वभावमें भी बदलाव*
करते रहना चाहिएँ.!!

👉 *Update & Upgrade*
*Time to Time.!!*

समयके साथ चलिये और सफल रहिये

म्यूच्यूअल फण्ड अपनायें और समय के साथ चलें

Rajiv Kapoor
9839034761