------------------------------------------------- For investments, contact:                Samarth Holdings Address: Office 201, 2nd Floor,                Trade Net Building,               Viman Nagar                Pune. Mobile:   +91- 8805111007 Email:     samarthholdings@aol.com -----------------------------------------------

Before we begin this article, we would like to wish you a very happy new year. We begin the year with a slew of resolutions. Type in 'Common New Year resolutions' in Google and you get the usual suspects: losing weight/joining the gym are typically at the top, while a few not so regular ones like learning a new language or hobby also find a mention Have you ever made a New Year resolution and failed to keep it? Don't worry, you've got company: just 8% - that's right, EIGHT percent! - of people stick to their resolutions for the entire year. Spending less and earning more typically winds up somewhere on these lists of common resolutions, but should be higher! On that note here is a list of 4 financial resolutions we think you ought to keep and follow (we certainly try our best to!): 1.Avoid Bit-Cons!: There will be many such stories and manias that you'll encounter in your investing lifetime. Don't fall for these cons or stories. Keep your fi...

When people say "investment in stocks and mutual fund are very risky" and you see tag-lines after every stocks/equities related advertisements like "Mutual funds are subject to market risk, please read the offer document carefully before investing", one must understand the reward that one is willing to receive after taking the risk. There is always a 'risk-to-reward' ratio attached to any given financial instrument. Speaking broadly risk is not only attached to financial instruments but also it is linked to our day-to-day activities.  Like waking up in the morning (falling from bed is a risk), taking a bath (slipping and falling in the bathroom is a risk), ironing your clothes (electric current is a risk), travelling to office (accident is a risk), walking in rain (hitting by lightning is a risk), working at office (natural calamities like earthquake is a risk) so on and so forth. We never pay attention to such risks, even if they are much larger than...

Long, long ago, there lived a monster in a tiny village. The villagers were terrified of it and felt that their hamlet was cursed to have such a creature living in their midst.  Several men tried to fight the monster. One man attacked it with a sword, but the creature grabbed the weapon, and almost magically pulled out another sword—twice as large, twice as sharp—and cut the attacking man in half. At another time, a villager set off with a huge wooden club to clobber the monster. The monster responded by slamming him with a wooden club twice as heavy as the one he had brought along. On yet another occasion, a villager tried to set the monster on fire. But the monster merely opened its mouth to swallow the fire; and in return, spewed leaping flames that roasted the poor man. Scared by these incidents, the village folk gave up trying to fight the monster. They began to believe that this was their lot and they would have to learn to live with it. Then, one day, a lit...

It all started one lazy Sunday afternoon in a small town near Toronto in Canada. Two school-going friends had a crazy idea. They rounded up three goats from the neighbourhood and painted the numbers 1, 2 and 4 on their sides. That night they let the goats loose inside their school building. The next morning, when the authorities entered the school, they could smell something was wrong. They soon saw goat droppings on the stairs and near the entrance and realized that some goats had entered the building. A search was immediately launched and very soon, the three goats were found. But the authorities were worried, where was goat No. 3? They spent the rest of the day looking for goat No. 3. There was panic and frustration. The school declared a holiday for the students. The teachers, helpers and the canteen boy were all busy looking for goat No. 3, which, of course, was never found. Simply because it did not exist. Likewise investors spend their precious time in pursui...

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...

Ben Graham is considered to be the father of value investing and Warren Buffet's guru.  His focus was on value stocks - companies that were trading far below the value of their assets.  Graham said investors should analyse a company's financials and come up with intrinsic value and buy the company only when it's trading below the intrinsic value. The best stocks of this nature are those that trade at least one-third below their net current asset value (current assets minus liabilities). There are plenty of diversified equity mutual funds available in the MF industry which follows 'value style investment' approach that of Ben Graham and Warren Buffet. If you have a long term horizon, then these funds will surely reap decent benefits and will be a wealth creators. For investments contact: Samarth Holdings : +91-9561733111 Email: chouguleanup@gmail.com Disclaimer:  None of the images are our creation. We have used images from sites like   www.pexel.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.

When MSD started playing well as a youngster for this college, there were a few people watching him. As time went by and he started playing at a higher level, the crowd started getting bigger and bigger and today a billion hearts beat for him when he takes his guard and gets ready to face the bowler.  This is like the power of compounding. Discipline, dedication and patience in investing rewards the investor with the power of compounding turning millions into billions. One more short lesson that we can learn from the champ is that MSD’s first love wanted to announce their relationship but MSD kept saying that they have a lot of time.  But she passed away in a tragic accident conveying the message that we don’t have a lot of time. In fact time is a very limited resource and one must never waste time whether it is in life or in investing.  The first 10 years in a 30 years investment cycle, contributes 82% of the wealth that gets created at the end of the in...

MSD’s career started on a bad note. His initial scores were so bad that he was not sure whether he would even get a chance to play the next match. And then he scored and scored big .  Even in investing, one must not lose heart if the ‘returns’ in the beginning are less than expectation.  Just keep at it and soon the ‘returns’ will start to look good. So give your investment time. In MSDs case Saurav Ganguly, the skipper knew it and persisted with him. Later in his career MSD himself showed patience with Ravindra Jadeja till he came good. For Investments contact: Samarth Holdings: +91-9561733111 E-mail: chouguleanup@gmail.com

MSD’s was feeling very depressed one day when his boss told him that life throws different kinds of balls on us.  Some balls are meant to be hit, some defended, some to be left aside and bouncers are to be ducked. Whatever be the case one must never ever give up but instead show patience and resolve to play on and on because that is the path to score big in life.  Ironically that is also the path to create big wealth because even in SIP investing the market throws different kinds of balls at the investor.  Market volatility at times makes one feel enthusiastic and at other times can leave one depressed. But in order to create serious wealth one needs to show resolve to traverse the volatile path by sustaining one’s SIP irrespective of the mood of the market. For investments contact: Samarth Holdings: +91-9561733111 Email : chouguleanup@gmail.com

From a 1000 in 1996 to 10000 in 2017 it has been a great journey. It has seen some hiccups during the same, but all in terms of healthy corrections. Don't get missed out from the journey ahead. Invest and stay invested ! For more details contact Samarth Holdings: +91-9561733111 Email : chouguleanup@gmail.com

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...

When people make choices, sometimes they have a good understanding of the probability of something happening whilst other times the situation is ambiguous, whereby the probability of the event is unknown. In such situations, people are more likely to choose the former situation, preferring a known probability over an unknown probability. Investing in Fixed Deposits is preferred because the outcome is clear unlike investing in a mutual funds despite the fact that mutual funds beat Fixed Deposit returns hands down. For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

Early retirement plans will have tremendous effect on the sum receivable when you retire. Today if your age is 25 years. A year long delay for starting a SIP of Rs.5,000/- a month, which means Rs.60,000/- for a year, you miss Rs.31,67,977/- (Thirty one lakh, sixty seven thousand Rupees) after 35 years when you retire.  (Calculated by 12% avg. return from a fund compounding annually.) For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

Imagine you are moving at 10km per hour and your friend is moving at 11 km per hour. After 6 minutes they are only 100 m (1/10th of 1km) apart which is not very significant. You can literally see each other. After an hour you are 1 km apart. You can no longer see each other but still you aren’t all that far from each other. If you wish you can meet each other easily. But after 10 hours you are 10 km apart and after 100 hours you are 100 km apart. Now you are in two different cities. It’s too far to meet each other. Perhaps you have to speak over phone. Likewise investing in a fixed deposit of 6% per annum or investing in a mutual fund of 10% per annum does not make a huge difference when invested for a period of 1 year or even for that matter for a period of 2 years. However, if you were to invest for a period of 10 years to 15 years, the 4% difference but nearly 100%. Hope this explains why even a 4% difference in returns cannot be ignored in the long term and moreov...