Once again Betaal was seeking out Vikram. It had been a while since he had run into him and the puzzle of “duration in debt fund investing” was giving him sleepless nights. But this was to change soon as he spotted Vikram walking in the forest. As usual he flew towards him and landed on him. Vikram smiled. He too was expecting to meet his ghost friend. Said Betaal, “Explain “duration” in debt funds. I need to know in your style.Tell me or I shall crush your skull into many pieces.” Vikram, never one to care about such empty threats kept smiling. However, Vikram loved the challenge of making concepts easy. “So here we go Betaal with your lesson for the day. Imagine you are allowed to set up a food stall. In one case you get a contract to set up the stall in the market for just two days at a time And in the second case you get to set up a stall for the entire year. Now tell me Betaal in which of the two cases you will you be able to forecast your sales better?” ...

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 w...

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...

Today the Indian stock market index, NIFTY, touched the benchmark figure of 10,000 point. Today goes in the history of the indian markets for achieving this sensational figure. But the question is, have you benefitted from it ? If yes then your investment efforts have paid off well and you should hope for many more benchmarks to attain in the coming years.  If no, then, any dip/correction in the market is an opportunity to get in. In the equity market every-day is an opportunity. Start an SIP. Stay committed to your investments and have patience.  Start small grow big and reap the benefits. For more details contact Samarth Holdings: +91-9561733111 Email : chouguleanup@gmail.com

I read the story of the Garbage Truck and received the best investment lesson of my life. Here is how it goes:- One day, I hopped into a taxi and took off for the airport. We were driving in the right lane when suddenly, a black car, jumped out of a parking space right in front of us. My taxi driver slammed the brakes, skidded, and missed the other car by just inches! The driver of the other car whipped his head around and started yelling at us. My taxi driver just smiled and waved at the guy. I mean, he was really friendly. So I asked, “Why did you just do that? This guy almost ruined your car and sent us to the hospital!” This is when my taxi driver taught me what I now call, ‘The Law of the Garbage Truck’ He explained, “Many people are like garbage trucks. They run around full of garbage, full of frustration, full of anger, and full of disappointment. As their garbage piles up, they need a place to dump it and sometimes they’ll dump it on you. NEVER take it per...

If you see, in the year 2006-2007 the nifty index was in the range of 3000-3500. As time passed, there were new policies introduced by the government, new trade norms were happening between countries, companies from various sectors were benefiting hugely by economic steps taken forward in the direction of growth. Today the Nifty has crossed 9600 mark.  Investors wealth tripled in this period. Stronger the nation, healthier the indexes.  Happy investing. For more details contact: Samarth holdings Mobile: +91-9561733111 Email: chouguleanup@gmail.com