When you go out to dine in a fine restaurant you usually have two options. 1) Buffet where you pay and eat all that you want. Usually one over eats and lands up being stuffed. Also greed of eating makes you select food that you would otherwise not consider as your need. In the end your satisfaction actually falls. 2) In a la carte you land up ordering sometimes more and at other times the wrong dish causing unnecessary dissatisfaction. The fear of high prices makes you order some other item which does not seem good enough. You land up regretting for having ordered the wrong food. Eventually you have to order what you had initially passed off. More money spent, more wastage and your satisfaction actually falls. Another third approach is when the waiter has formed a relationship with you. He kind of knows what you and your family like. He decides the quantity of food and also the dishes that are popular and suitable to your family’s tastebuds. He orders a complimentary dess...

Having a security guard does not mean that your home should be burgled every night and that he should be fighting off the burglars every night. A guard provides us peace of mind. You are happy to have him standing in front of  your house day in and day out despite of theft. Even if several years pass and there isn’t any attempt of theft, we never regret having the security guard outside our house. In fact we will be happy to have him there for years together without any experience of theft. Likewise, having a Financial Advisor does not mean you need to engage him on a daily basis.  He too is like the security guard. The only difference being the security guard looks after your home while the Financial Advisor looks after your wealth. His being there gives us peace of mind because we know that while we may be busy with other work, he is looking after our wealth. He guards us against incorrect investor behaviour that we can show up from time to time He guard...

Starting is very important. Things fall in place as they come. Simple rules of investing 1) Start investing and just don’t think about it. Starting is the biggest step 2) Imagine the goals. Think about them. Goals are the inspiration that helps you sustain the efforts and keeps taking you forward. 3) Commit yourself to the journey by hiring a coach/Advisor to keep you on track, to prevent you from wavering from your path. 4) Ensure the money gets auto-debited every month so that your energy is not consumed every month in taking such decisions. An SIP serves this purpose. ------------------------------------------------- For investments, contact:                Samarth Holdings Address: Office 201, 2nd Floor,                Trade Net Building,               Viman Nagar                Pune. Mobile:...

The beauty of the hill station is because of the challenging road that takes you there. In the same way the beauty of wealth creation is because of the challenging road of volatility and patience that takes you there.  Premature withdrawals of funds might not give you the expected returns and hence will not fulfil your goals.  ------------------------------------------------- For investments, contact:                Samarth Holdings Address: Office 201, 2nd Floor,                Trade Net Building,               Viman Nagar                Pune. Mobile:   +91-9561733111, 8805111007 Email:     samarthholdings@aol.com ----------------------------------------------- Disclaimer:  None of the images are our creation. We have used images from sites like   www.pex...

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...

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.

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 b...

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.

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.