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...

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?” ...

'News' is nothing more than noise. The less one is exposed to it the better life around looks.   From an investing stand point, the more we expose ourselves to 'News', the higher the chances of making investing mistakes and blunders. News thrives on negativity ; negative images; negative stories; negative words.  The 'News' anchor invariably makes one believe that equity investing is suicidal because markets are a curse upon us. Unfortunately people spend a lot of time "listening" to 'News' and in a sense "News" has become the source of education. Therefore, I always say that people are not "uneducated in personal finance". They are in fact "wrongly educated". Therefore, for Financial Advisors the challenges are two fold.  First we have to make investors 'unlearn' and then we have to make them 'learn'. A lot of 'trash' accumulated over the years has to be ...

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...

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.

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...

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 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

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

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

SIP - Systematic investment plan is a healthier option for investing in mutual funds, just like yoga which leads to healthier life. Some of the advantages of SIP investment are: Low cost of entry. Averages out the NAV movement to give stable returns. No personal attention needed to time the markets. No personal attention needed to time the markets. Better option for long term continuous investment. For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

Conventionally real-estate in India is considered to be a safer and a productive investment option rather than other asset classes.  But it makes sense to buy a home or a commercial shop if you are using it for living or you have a business running in your shop. Which means it should suffice the primary need of shelter.  Equity based mutual funds in terms of investment option have performed well, compared to that of real estate, over the years. Lets see this with an example. My friend's dad once bought a flat for investment purpose in the year 2007 for 21Lakhs. It was a cozy little 1-bhk flat situated in the budding areas of Pune. He met me few days back, he said that "yaar, abhi mere flat ki value 50 lakh ho gayi hai, more than double in 10 years" he said it with a smile. I said okay. :) If you look at it closely then his flat in Pune has generated just 13.8% annually. If his dad would have invested the same amount in a good balanced fund in the year 2007 the...

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...