1. Investment is difficult because we make strategies based on past performance but lose conviction in the future performance. 2. Never retire. Only become financially independent so that you never retire 3. We see the last Bull market are as a “lost opportunity” to sell but see the next Bull market as an “impending opportunity” to buy 4. We see the last Bear market as an “opportunity lost” but the next Bear market as a “looming threat” 5. Selling should be something that’s done sparingly and associated with your goals and not what market prices are doing. For Investments contact: Samarth Holdings Cell: +91-9561733111 Email: chouguleanup@gmail.com Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.com ,   www.pixabay.com , Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyright of all the pictures are with their resp

Our Father please be our lead Keep us away from greed Let fear not come our way Let impatience be at bay And envy not be my possession My life be away from speculation For Investments contact: Samarth Holdings Cell: +91-9561733111 Email: chouguleanup@gmail.com Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.com ,   www.pixabay.com , Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyright of all the pictures are with their respective owners and if they object to our using them, we shall immediately remove the same.

Above image illustrates the pre and post-tax returns of both fixed deposits and debt funds. Following parameters has been considered for calculation. Investment amount: Rs.10,00,000/- Investment date : 11-Sep-2014 to 11-Sep-2017 Investment Horizon: 3 years FD in SBI bank interest rate : 9.04% (now it is some-where around 7.10% - 7.25%) Fund in comparison : Aditya Birla Sun Life Dynamic Bond fund. Holding a debt fund for 36 months qualifies for long term capital gain tax which get the benefit of indexation. We can clearly see that the post tax returns of debt fund is in surplus of Rs.85,721/- in this case. For investments contact: Samarth holdings Mobile: +91-9561733111 Email: chouguleanup@gmail.com Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.com ,   www.pixabay.com , Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyr

For investments contact - Samarth Holdings Mobile: +91-9561733111 Email: chouguleanup@gmail.com Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.com ,   www.pixabay.com , Google Images, WhatsApp, Facebook etc.Only the captions associated with the images relating to personal finance have been crafted by us.The copyright of all the pictures are with their respective owners and if they object to our using them, we shall immediately remove the same.

After every 2 months RBI (Reserve Bank Of India) has its monetary policy. In the monetary policy the RBI decides to either retain or cut the repo and reverse repo rates for the banks, depending on various factors like inflation, credit scenarios, liquidity etc. When the RBI cuts the repo rates, the banks also sub-sequently cuts their interest rates of loans (like home loan, personal loan, education loan, vehicle loans etc) thus they become cheaper to avail for the general public. Hence it sort of boosts the economy. But to stay in business, banks also cut the interest rates of fixed deposits and saving accounts. Interest rates on saving and FD's has fallen from 12% per annum to 7.25% per annum on an average. Today if you think depositing your funds in FD's, the post tax and inflation adjusted returns are nothing but peanuts. Various debt funds prove to be effective asset class in this scenario. They have out performed FD as asset class by giving 8.50% to as high as 12% per