Tuesday, May 22, 2018


Paisa Wise Rupee Foolish!!!

Two hunters are out in the jungle when suddenly one of them collapses. His pulse is gone and his eyes are glazed. The other guy yanks out his cell phone and calls the emergency services.

He gasps, “My friend is dead! What should I do?

The operator says “Calm down, sir. I can help. First, let’s make sure if he’s really dead.”

After few moments of silence, the operator hears a loud gunshot. Back on the phone, the guy says “OK, now what?”

(I am sure you guessed what happened!!!!)

The hunter was dumb but given the high adrenaline and panicky situation, the operator’s question wasn’t brilliant either, was it?

There’s some truth to the saying – the quality of your questions determine the quality of solutions. Computer programmers know this very well. They call it GIGO, i.e., garbage in garbage out.

Was there any Analysis by the operator?
Was there any Background check done??

With the Internet, world’s information is available at your fingertips. You can find anything about everything. Google isn’t just a search engine. It’s a verb.

Don’t know something? “Google it.”

Want to invest? "Google It"!!!!
No matter how intelligent the searching algorithm is, Google can't be your Advisor, Doctor, Lawyer...
It just cannot.

You need actual REAL PERSONS to guide you.
To understand you.

Just Googling for everything leads to JUNK.
PURE JUNK. Thats it....

If you have a Heart Attack....sure you can go to Google ....find how to come out of it.....but is it worth trying?
What about Risk??

Likewise....go ahead and invest DIRECTLY in Stock Markets but what about the Risk?
Your HARD EARNED money is at stake.

Think about it!!

Thanks to one of my investors for forwarding this story....

Also visit http:/http://https://t.me/MutualFundWORLD/

Sunday, May 13, 2018


LIFESTYLE INFLATION impact is undeniable and it is a bigger killer than even Inflation!

I know Inflation.....but whats this new term.....Lifestyle Inflation?”
Let me explain with an example

Mr.AtiBhudi : “My present Monthly expenses is about Rs.20,000. Prof.Kent, can you help me understand how much I require in 30 years from now, when I am 60?”

Prof.Kent: “Thats a very interesting question, Mr.AtiBhudi. If we calculate at 7% inflation (which is average of last 38 years), our expenses will DOUBLE EVERY 10 YEARS. So, that means, you will be needing about Rs.1,60,000 per month at the age of 60.” “But” Prof.Kent continued “I have not calculated Life Style Inflation here”

The confused Mr.AtiBhudi : What is this life style inflation? Never heard of it!”

Prof.Kent: “Ha....Let me explain. Few years ago, we used to have VadaPav for Rs.5 and today we can get the same VadaPav for about Rs.15. But, tell me how many times you went and had a Burger instead of Vadapav? Many times...isnt it? And this Burger cost STARTs from Rs.50. This jump from Vadapav (Rs.15) to a Burger (Rs.50) is called LIFE STYLE INFLATION

The Professor continued This is just one example. There are many such happening to you without you realising.
Like, earlier you were thrilled to be going to GOA every couple of years, but now you want to explore Thailand, Sri Lanka.....isnt it??
And of course, upgrading your iPhone!!!

The Biggest reason why LifeStyle Inflation happens is because YOU “COULD” and not because you “NEED” TO!!!”

Mr.AtiBhudi grumbled : “Oh no, so you mean to say I will be requiring MORE than Rs.1.6 lakh per month?!”
Prof.Kent: “ Yes....you guessed it Right Mr.AtiBhudi”

Mr.AtiBhudi : “Okay....now tell me how much life style inflation should I consider?”

Prof.Kent: “Now....thats very confusing as there is no set Lifestyle Inflation figures as such. But, having said that....we can check with Lifestyle Products like Branded Shoes, Jewellery, Watches, Car, Bike,etc and safely assume the Lifestyle Inflation to be around 10%”

Prof.Kent continued : “With this 10% assumed Lifestyle Inflation, your Expenses will be DOUBLED EVERY 7 YEARS (and not 10 years as assumed earlier), which in turn means....you require about Rs.3.5 Lakhs per month at your age of 60!
And, you will be a needing a corpus of (in simple terms.....Rs.3,50,000 per month * 12 months & 25 years) Rs.10 CRORES as your RETIREMENT KITTY

Mr.AtiBhudi was shellshocked “Oh My God!!! Prof.Kent...I can never hope to retire comfortably then

Prof.Kent:”Dont get depressed Mr.AtiBhudi. You can retire comfortably. Its not Rocket Science. You will be needing to invest just Rs.18,000 per month till you retire (that is...for the next 30 years) to reach the targeted Rs.10 crores!!! (The Investment Value will be Rs.64.8 lakhs)

Mr.AtiBhudi jumped in disbelief : “WOW!!! Only Rs.18000 per month. How come so less can get me such a huge huge amount of Rs.10,00,00,000!!!!??”

Prof.Kent laughed and said “That, Mr.AtiBhudi, is called the POWER OF COMPOUNDING

Excited Mr.AtiBhudi : “Prof.Kent, lets start a SIP of Rs.18,000 for my Retirement Kitty right now!”

All the Best, 
Srikanth Matrubai
SriKavi Wealth

Await my article on HOW TO AVOID LIFESTYLE INFLATION and more on this topic in coming days. 

Also do visit & join my TELEGRAM channel  http:/http://https://t.me/MutualFundWORLD/

Special thanks to Dr.Ankit Ajmera for basic idea