Steve Jobs hired John Scully who in turn fired Jobs from his job. Jobs came back and how. Jobs had vision and conviction The markets may turn volatile. It may get topsy-turvy. You may collapse from great height. But 1) If you are educated in personal finance 2) If you have a vision 3) If you have the conviction 4) If you have the discipline 5) If you practise asset allocation Your wealth will rise like a phoenix and you will stay sturdy like the rock of Gibraltar.  ------------------------------------------------------- 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 own...

Investments made in fixed deposits and various govt. bonds or even idle money lying in savings accounts are of no use, because the post-tax returns can hardly beat inflation. For a simple explanation of inflation, consider the following example: If today (this year) 1kg of apple cost Rs.100/- and if inflation is at 5%, then next year 1kg of apple will cost you Rs.105/-. So always consider inflation adjusted post tax returns while investing. 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 ,   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.

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

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

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...

Start young. You can't imagine the amount of wealth that you can create even if you start investing a year early. Mr. Warren Buffet started investing at the age of 11, but still regrets, as he could have started even earlier. For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

He was 30. He decided to take a loan and buy a house like the rest of his friends. For the next twenty years he paid an EMI of Rs.50000.However, this EMI of his became an impediment in his investment path and because he failed to do an SIP. After 20 years, he at 50 is without a job. He lives in the same house and can’t sell it. Life has come a full circle as he stands at the crossroads of life wondering what to do. A wife, parents and two children with just a house to live and a few lakhs in the bank with a long life ahead. These are those rare moments when one wishes for a shorter life. As he stood there wondering what went wrong, he could see something very clearly. “His EMI had hurt his progress?” Had he lived in a rented house which in those days would have cost him Rs 20,000 and had he invested the balance Rs 30,000 in an SIP instead, the wealth he would have made would have been Rs 6 cr. instead of the few lakhs that he currently had. Even if he were to li...