Tuesday, September 17, 2019

DONT REDUCE EXPENSES ....DONT STOP YOURSELF FROM BECOMING RICH !!

My latest article in the Kannada Magazine PROFIT PLUS titled
DONT REDUCE EXPENSES.......DONT STOP YOURSELF FROM BECOMING RICH went viral within a couple of days it getting printed.





The headlines was curious and attractive enough.
But regular readers of mine already would be knowing what exactly I intend when I say DONT REDUCE EXPENSES.

A normal layman is always concerned about the costs and expenses.
Especially the day to day expenses.
Last month, it was about Onions touching Rs.100 per kg,
This month, its about Crude and consequently PETROL rising
and next month, he will be worried about the expenses he is going to have in form of Dasara and Deepavali.

Its essential that you need to COME OUT OF THE MINDSET OF always thinking of Expenses and rather divert it to the much more impactful INCREASING INCOME.









I always keep telling my investors that
"there is a limit to how much you can save on expenses....
But there is NO LIMIT to how much you can EARN!

If you ask, the majority will say "Expenses is in my hands but Income is not"

I would actually say BOTH INCOME AND EXPENSES IS IN YOUR HAND.
You just need to understand and focus your energies on both, especially INCOME.
By default, our genes, thinking, action, everything is focussed on HOW TO SAVE, HOW TO SAVE, HOW TO SAVE.


But, step back a little and think, if the same time, energy had been spent on HOW TO EARN, HOW TO EARN, HOW TO EARN, your life would have been a much much wealthier one. 

That does not mean, be a spendthrift. Controlling expenses is the 1st step to getting your finances right. If you don’t know how to control your expense, you won’t be able to save.
Please note that I have used the word “Control” not “Cutting”.

Some would come running and say
"Hey Srikanth, I am a salaried. My income is FIXED. There is no way I can earn more".

I would say "Why not? There is huge number of ways you can earn. 

Why dont you do PART TIME job?
Why dont you do Tutions at home?
Why dont you do Tailoring at home?
Why dont you write articles during spare time?
Why dont you learn a new hobby (cake making, cloth bag making,etc) and start earning?

If the intent is there to LEARN AND EARN, the routes will AUTOMATICALLY open up.

Especially learning new things like Cloth Bag making may even open up loads of money to you.
In fact, I have seen some of investors actually resigning from their MAIN jobs and now doing full time business in what started as a Hobby for them. 

And, they are earning MORE THAN WHAT THE SALARY THEY WOULD HAVE GOT.

So, it all boils down to FOCUSING ON EARNING MORE 


I agree, that learning a new hobby/skill takes time and implementing it and making it successfully even more, but look at the reward you will get.....because once you are successful, mark my words, you will be achieving your goals much more earlier than you ever imagined. 


Concentrate your energies and focus your expertise on Earnings.



Then, only then, you will become a Contented Man even while being a Common Man!



There is a LIMIT TO SAVING but THERE IS NO LIMIT TO EARNING.




WHAT ABOUT RISK IN BUSINESS??

Risk is something that can cause bankruptcy or severe loss of capital. 

Hence its absolutely imperative that you have sufficient back-up before venturing out on your own. 


HAVE A FOOL PROOF PLAN
You need to PLAN.
In fact, even in the Roman times, some intelligent Slaves would earn enough money to buy themselves freedom from slavery and even get slaves of their own!!












Learn to Earn
Earn to Learn.
Keep on adding skills to your Portfolio.
Then you will keep on increasing your income and no one can stop you from becoming RICH. 



"Be an eagle who soars above the clouds so the rain clouds don't deter him."

All the best,
Srikanth Matrubai




Request my readers (specially Kannada readers) to subscribe the magazine PROFIT PLUS




You can send an email to them at profitpluskannada@gmail.com and/or mediam146@gmail.com


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

5 STAR FUND DOES NOT MEAN YOU HAVE INVESTED IN THE BEST


5 STAR FUND DOES NOT MEAN YOU HAVE INVESTED IN THE BEST


A fund which is rated 5 STAR by Morning Star, 4 Star by Value Research fell 30% in a single day.
And it was a Debt fund to the boot !!!!!!


I have seen almost every single DIRECT investing in funds going by these ratings. God save them.
Not just investors even some newcomers to the Advisory field blindly go by the ratings alone and invest the hard earned money of investors.
And this type of a DISASTER will result in  ensuring that investors  never ever coming back to Mutual funds

Almost all ratings give max weightage to PAST PERFORMANCE and every single mutual fund communication carries the disclaimer PAST PERFORMANCE MAY NOT BE REPEATED and yet !!!!!!!!!


 In fact, I clearly remember VALUE RESEARCH had given a damp squib fund like TAURUS LIQUID FUND A FIVE STAR RATING even as the fund continued to buy the JUNK paper of BALLARPUR INDUSTRIES !!


And you know what…these ratings keep changing, sometimes even on a quarterly basis.
Then what ? Will you keep shifting your money from 1 fund to another ?

Ratings is more of an indication on how the fund has performed IN THE PAST rather than how its going to do in the future.
Fund performance depend on huge number of factors and recent performance could have seen a spike due to various factors including NEWS.
The biggest factor is of course the HOLDINGS of the Mutual fund scheme.




You need to remember that ALL MUTUAL FUNDS GO THROUGH A CYCLE OF GOOD AND BAD TIMES.
What you need to look is
CONSISTENCY,
the underlying securities,
the management pedigree and that’s it.


That’s it? Enough ?
Well, to be begin with….this should suffice but actually, you are better off actually
talking to the fund manager,
even the research team supporting the fund manager,
going through the securities the fund is holding,
the changes in management in the fund, if any and
a host of financial ratios like the
Alpha,
Beta,
Risk Reward Ratio,
Turnover Ratio, etc and most importantly FUTURE GROWTH POTENTIAL.

Too heavy?
Well….thats exactly why you need a Financial advisor.
Does that mean Financial advisors don’t make mistakes.
Financial Advisors are NOT GODs and hence they will definitely make some mistake here and there, but it’s absolutely definite that a Financial Advisor will make far far lesser mistake than a DIY investor and a far less riskier and smaller mistake.


How ?
Simple because the Financial Advisor’s bread and butter depends on HOW WELL HE KNOWS THE IN & OUT OF THE PRODUCT.
He does a lot of research
He interacts with the Fund Team, the peers, the research gurus almost on a daily basis and is definitely much more closer to information that’s not in public domain and is thus in a capacity to take well-intentioned decision before things actually come in TV or paper.

PERFORMANCE OF MUTUAL FUND’s HOLDINGs = PERFORMANCE OF MUTUAL FUND

Analyzing each holding within funds is no small task. A financial advisor is in much better position to do this job than you.
The tom-toming of GO DIRECT and save 1% may look very good and make you feel BRILLIANT.
One mistake and you will look like a STUPID FOOL and not just that but also burn a huge hole in your pocket.
A classic case of PAISA WISE RUPEE FOOLISH.





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

Friday, September 6, 2019

AVOIDING MR.PONZI

Charles Ponzi, an Italian immigrant settled in America launched a Scheme in 1920s promising investors to DOUBLE their money in 90 days.
The idea seemed very realistic wherein Mr.Ponzi would simply sell the American Stamps at 6 cents against the cost of the 1 cent of the original International Postal Reply coupons.  Clear 600% profit.
Word soon spread about this Italian Financial Magician.

Mr.Ponzi always wear Expensive suits and a charmer with a sweet tongue and great wit.
At its peak, the scheme had nearly 50,000 investors with about $15 million invested (easily at least $200 million of today).

Of course, whenever money making is so easy....something will be wrong and very soon the scheme went BUST and COLLAPSED.
It was later revealed that Mr.Ponzi was paying off old investors from the money he got from new investors and the balloon had to bust some day.
Clear case of borrowing from Peter to pay Paul !

And as it happens in almost all cases, 99% of Mr.Ponzi's investors were from Working class.


Very soon, all types of frauds connected with investment came to be known as PONZI scheme.

THATS HOW THE PONZI NAME GOT ATTACHED TO ALL FRAUDELENT SCHEMES 

Just recently there was a fraud in Bangalore where an ex-serviceman promised high return....high ?....no it was sky high....the return was 5% was 5% per week.....60% per annum and as expected the scheme collapsed.

Remember

IMA JEWELSSHARADAROSE VALLEYQNETEMU FARMSSPEAKASIASTOCKGURU



When you go through all these frauds and ponzi schemes, one common thing which is distinctly noticeable is that they ALL PROMISED HIGH RETURNS without delcaring any risks involved.

I would dare rise my head to say that the ultimate blame must go to the investors themselves.
Greed clearly out shined Common Sense !



Any scheme that promises higher return than 15% should immediately trigger doubts in your mind.




Equity does give you 15% and even above that (so does Real Estate in some cases) but they do over long periods of time and with lots of volatility.

In fact anything even above 12% rings ALARM BELLS in me.

Any investor who brings to my notice about these types of Ponzi shcemes and asks my opinion about them....I simply say that only the returns may come but NOT THE CAPITAL.

The best way to understand whether a scheme is fraud or genuine is when the scheme DISCLOSES THAT IT MAY CARRY RISK OF CAPITAL.

In fact, I have never ever put money in Chit funds throughout my life.
My best friend, who runs a Lodge believes only in Chit fund and he is entitled to his opinion but I have already seen him losing even his Capital in 2 schemes.



BEST WAY TO IDENTIY IF ITS A PONZI SCHEME

1. SKIN IN THE GAME : 

The most amusing part of the PONZI  story is that Charles Ponzi himself did not invest his own money in his schemes and instead preferred a palty 5% per annum return schemes like the Bonds, etc !!!!

No SKIN IN THE GAME for him.

So you need to check whether the Promiser himself is putting his money where he is telling us and if yes....how much percentage.
Some operators are smart and invest a portion of money to showcase that they are genuine.....ask them "If the scheme is so good, why are you not putting your entire wealth into it"



2. THE REGULATORY ASPECT :
Whether the scheme comes under the watchful eyes of any regulator. Ask whether the same is registered or regulated by authorities like the RBI, SEBI, AMFI, IRDA, PFRDA, etc

3. BECOME MORE AWARE
Try to find more about the scheme from INDEPENDENT sources (not company website). Anything new/exotic should be throughly researched and cross-verified.

4. WHEN THE SELLING IS AGGRESSIVE
More often than not, the Pyramid/Ponzi schemes will have Aggressive sellers either because of the huge commission they get or the rewards associated with the selling.

5. WHEN THE RETURNS ARE HIGH
If the Bank FD is say 7% and the returns promised is 14% immediately become suspicious. Anything above 12% should always invite doubt and its better to lose an opportunity than to lose your shirt.

6. UNVIABLE MODEL : 
Whenever the model of money making seems confusing or too easy it is a sure shot sign of a Ponzi scheme in the making. Money making is not very easy. If it was easy everyone would rush in.
And whenever any scheme is confusing....move away if you dont understand the concept. Of course, do try to understand but if it stays confused and something very exotic, AVOID

7. TRACK RECORD
Who is promoting the scheme? How is their historical payout record? These things need to be throughly checked and only when satisfied go ahea



d.


Its very simple, if the scheme is so good, why are they not putting their entire money and only a part.
BETTER TO BE SAFE THAN SORRY








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

Tuesday, July 2, 2019

STORY OF MR.BELIEVABLE AND MR.UNBELIEVABLE

I normally almost always Analogies to connect with my Audience.....be it my Investors or fellow Advisors.

This particular Analogy was CREATED by me and used to present the benefits of Investing in Equities in a very simplistic way.

I had used this when I was doing a seminar for Teenagers.





THE STORY :

Once upon a time, in a city there lived 2 friends.
They were strangely named MR.BELIEVABLE and his friend was named MR.UNBELIEVABLE.


One day, Mr.UNBELIEVABLE felt very sick and he understood he was dying.
He called his wife and said
“Look Dear, I am dying and I am sick of this idiotic name UNBELIEVABLE. On my graveyard, do not write any name. You can put any image, a saying, or write anything say a poem, phrase, anything but not my name. I do not want to carry this idiotic name to the graveyard”
Very soon, he died.
His wife, as per his last wish, did not write his name on the graveyard but did write something which meant the same as his name.....MR.UNBELIEVABLE.
She wrote
“Here lies a man who became very wealthy by
a) Investing in Fds
b) Taking only Endowment Plans
  1. Doing Day Trading in Stock Markets”

Whoever passed by the grave and saw the wordings exclaimed “its UNBELIEVABLE!!!!!”

So, this way, Mr.Unbelievable wish was fulfilled




Likewise, his friend MR.BELIEVABLE too became very sick one day and he too understood that he was dying.
He called his wife and said
“Dear, I am dying and I am sick of this idiotic name BELIEVABLE.
On my Gravestone, please do not write any name.
You can any image, a saying or write anything....a poem, a phrase, anything but not my name on the graveyard. .
I DO NOT want to carry this idiotic name to the graveyard”
Very soon, Mr.BELIEVABLE also died. 


His wife, as per his last wish, did not write his name on the graveyard but did write something which mean the same as his name.....BELIEVABLE
She wrote...

“Here lies a man who became very WEALTHY by
a) Investing in Equity Mutual Funds
b) Taking only Term Insurance
  1. Most importantly, having SRIKANTH MATRUBAI (SRIKAVI WEALTH) as his advisor!!!!”

Whoever passed by the grave and saw the wordings could not but exclaim “its BELIEVABLE”

So, this way, Mr.BELIEVABLE 's last wish was fulfilled.

This, my friends, is the story of Mr.BELIEVABLE and MR.UNBELlEVABLE.

Regards,
Srikanth Matrubai

Audio version of this
https://soundcloud.com/srikanth-matrubai/story-of-mr-unbelievable-mr



http:/http://https://soundcloud.com/srikanth-matrubai/story-of-mr-unbelievable-mr/














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

Sunday, March 17, 2019

THE ERA OF RITEs STARTS IN INDIA

Real estate is something every Indian understands well and like Gold, that Attachment for AT LEAST EK GHAR is at the zenith of every Indian's heart.
And REITs seems to be a good alternative for those who cannot afford to invest big time in Real Estate.

Buying a REIT is the most transparent way to own Real Estate for a Lay Man.




WHAT IS THIS REIT ?

Real Estate Investment Trust, known more popularly in its short name, REIT is similar to Mutual funds.
A REIT collects money from Investors and invests in Real Estate Properties (commercial and residential) with the intention to generate FIXED INCOME through Rents.

Since the earning is from RENT, which can be monthly, quarterly, Half Yearly or even Yearly, REITS pay, typically, dividends on a Half-Yearly basis.

NOTE :
Indian Laws specifically say that REITS can invest only in those properties that are at least 80% completed.

SEBI came out with list of DOs and DONTs for REITs way back in 2014 and in US, REITs are in vogue for quite a long time and more than 300 are registered and about 40,000 commerical Properties in the US are owned by REITs !!

SEBI, to begin with, has mandated the MINIMUM investment to Rs.2 lakhs and just recently further reduced it to Rs.50,000.

STRUCTURE OF A REIT : 



Exactly similar to a Mutual Fund, REIT too will have a Sponsor which establishes a Trust.



SO, HOW EXACTLY DOES A REIT WORK : 

1. A REIT (like a Mutual fund) collects money from Investors.
2. These monies are invested across Rent Generating Properties.
3. The REIT collects the Rent
4. The REIT distributes the Rent to Investors via periodical Dividend.
5. The Capital Value is reflected in the NAV

PLEASE NOTE : 
Land: In India, REITs cannot invest in land. But in mature markets, REITs can own raw land and develop it or sell it when they think there is appreciation on the price. Also, there are REITs which invest in land of farming.

TAX ANGLE :

1. Dividends are Tax Free in hands of Investors

2. Short Term Tax (sold within 3 years) is 15% of Gains
3. Long term tax (sold AFTER 3 years) will be at 10% of Gains.
4. Dividends received will be ADDED TO THE INCOME OF INVESTOR AND SHALL BE CHARGED TO TAXED AS INTEREST INCOME

Point No.1 says
Dividends will be taxed in the hands of the Company and not in the hands of Investor (unlike a Dividend of Equity shares which are taxed post 10 lakhs Dividend Income)


Point NO.4 says
The Dividend will be ADDED to the overall income of the Investor and will taxed accordingly.
It could be NIL in case of small investor and even 30% in case of HNIs




ADVANTAGE
1.
Owning a Real Estate is a challange both financially and legal hassles, REITS is an easy simplified asset class to own the same without actually owning it Physically.

2. No Lock-In
You as Investor can enter or exit the REIT as per your wish and conveneince unlike an actual Real Estate which has its own problems

3. You can even sell the REITS in the Stock Markets making it very very liquid. The REITs will be listed on both the NSE AND BSE

4. Since SEBI has mandated that 90% of the Distributable Cash flows must be distributed with the Unit Holders, there is a good scope for regular income.

5. Real Estate is one of the Most non-transparent asset class and REIT aims to reduce that as it is regulared by SEBI and will be managed by Professional Managers (just like Mutual Funds)

6. DEBT ALTERNATIVE
A good alternative to Fixed Deposits and Bonds as the returns in REITS are more or less assured due to regular rents.

7. GEOGRAPHICAL DIVERSIFICATION TOO :

Since REITS will be investing in Different Geographicals and mostly in Rental generating assets, it offers Investors a Good Diversification Option.

8. GOOD SOURCE OF REGULAR INCOME:
REITs are mandated to distribute 90% of profits in form of dividends which is distributed quarterly making REIT a convenient way to have a Steady stream of Interest Income.





DISADVANTAGE
1. Huge entry at Rs.2 lakhs. This could impact small investors.
Yes..SEBI has indicated that it will be soon reducing the same to Rs.50,000 but for now its out of bounds for huge number of small investors.
Please note : Once it is listed, trading will be for a minimum lot of Rs 1 lakh. 

2. Typical Real Estate Industry Issues like a Bear Market could affect Capital gains

3. The Average Rental Yield is not very attractive in India at present (at about 5% to 8%).

4. The biggest point you should note is that REITs could be very very volatile. They are not steady and flat. NO Sir !
And Short term performance could be awful.
In fact, in the US, Dow Jones REIT Index fell 17% in 2007 and 39% next year!



SO WHAT SHOULD YOU DO ?

If you your Asset Allocation is skewed towards Equities and needs more of Debt, REIT could make a great alternative asset class.
Going forward, more tighter regulations and more players will only be making REITS a much more attractive asset.

Do not invest as a proxy Real Estate Play (at least not now, as yet)

Another point to be noted is....Motilal Oswal in its note has says that Embassy Reit is priced at 20% DISCOUNT to its NAV and offers a yeild of 8.25% per annum. 



And Chairman of CBRE, Anshuman says "We estimate 12% to 14% overall returns over a 5-7 year period"


Some analysts have gone as far to predit a return of 12% to 14% POST TAX !!!
This may seem far-fetched for now, at least
US Reits have given returns around 6% to 8% and shockingly Infrastructure Investment Trusts (similar to REITs) are actually trading BELOW their Offer Price.
So....capital appreciation should not be the criteria to invest.
Interest Income, yes.


So, overall, if you are sure that you are in for LONG TERM, wont mind volatility, want steady cash flows, you can GO AHEAD WITH INVESTING IN EMBASSY REITS.

EMBASSY REITS IPO : 
Bangalore based Real Estate Gaint EMBASSY GROUP under its group company EMBASSY OFFICE PARKS, is coming up with India's FIRST ever REIT (Real Estate Investment Trust) aiming to raise around Rs.4750 crores.
 The issue has a price band of Rs 299-300 per unit and will close on March 20. The total issue size is 12,95,56,000 units.


Embassy Office Parks is a Joint Venture between the Embassy Group and US Private Equity Gaint BLACKSTONE.

The Embassy Office Parks has about 33 Million Square Feet of Office and Hospitality assets under this REIT spread across 7 properties and 4 cities Mumbai, Bangalore, Pune and Noida.











Minimum Bid is 800 units. 
One unit is priced at Rs.300
So minimum bid is at Rs.2.40 lakhs
Multiples of 400 units
Hence multiples in 1.6 lakhs. 





GOOD THINGS 
1. Out of 33 Million sq foot, 24 million is already operational

2. Out of this 24 million, more than 95% is already operational and yielding a Rental Income of over Rs.2,000 crore annually.

3. Besides, the Embassy REIT will be adding another 42 Million sq foot of property very shortly.

4. Embassy has its properties in the right places namely Bangalore, Noida, Mumbai and Pune.
All highly attractive cities for MNCs.
And especially Bangalore and Noida are growing at DOUBLE DIGIT since 2013.

5. Embassy REIT also has a ROFO (Right of First Offer) for 2 Under construction properties in Chennai and Hyderabad.

NOT SO GOOD THINGS 
1. Nearly 49% of Embassy REITs rental incomes from Technology companies which raises a huge concentration risk.

2. Embassy REITs is heavily skewed towards MNCs.
This could cut both ways and especially very badly during Meltdown as MNCs are known to be ruthless when it comes to cost cutting.



WHAT SHOULD YOU DO ?

The anchor book has been in huge demand with investors like
Fidelity, Citigroup, Morgan Stanley, Capital Group, TT International, Schroders, Kotak Mahindra Life Insurance, Damanis already investing huge sums of money.

This shows the apptetite for REITs and an unexplored virgin asset class.
The Net Distributable Cash Flow for Embassy REIT is at a appreciable rate of 8.2% for period between FY 16 and FY 18.
This definitely looks attractive and one can consider going ahead with investing in the EMBASSY REIT.
The returns (albeit in single digits) is more or less assured due to RENTAL income and thus can be considred for DEBT portion of your portfolio.

Do take your Financial Advisor's advise before taking any decision. 

All the best.
Regards,
Srikanth Matrubai



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

Tuesday, March 12, 2019

TIME ENTRY EXIT LIKE ZIDANE!!


BREAKING NEWS !!!
Zinedine Zidane returns to Real Madrid: ‘When the president called, I could not say no’
Link
https://bit.ly/2ET3ZJk

Zinedine Zidane exited right at the peak of the Bull market for Real Madrid during last May.(After winning 3 Successive Champions league trophies).

He was sitting on the sidelines for the last 10 months & watching the massacre/rout happening at the Club, (Similar to the mass slaughter of small & midcaps last year)., while he was enjoying his break/holidays.

He was enjoying what the Coaches(Julen Lopetegui & Santiago Solari),The Club President(Florentino Perez) & the Players were going through after he departed.. 

Similar to what the AMCs,Fund Managers, Advisors & the Investors were going through in the last 1 year.


He knew that this would have happened to him as well,if he had stayed with the club..
But,he knew the Exit strategy very well.

When the  Club President asked him to be the Coach once again after they went through a bad patch, He latched on to the opportunity once again. 

Zinedine Zidane teaches us very important lessons in investing,

Whenever the going is good,Don't take it for granted..Kindly re-analyse the situation & then take a decision..

When Cristiano Ronaldo departed from Real Madrid to Juventus after he had differences with Perez.
 Zidane knew that the Prime performer is leaving the club after scoring 451 goals in 438 games for Real Madrid in 9 years..
It is tough to replicate the success they had in the recent past without him,Bcoz CR7 was the mainstay,where Zidane's strategies/plans revolved around.

There were lot of expectations by the Fans & the Management after reaching the Pinnacle of success..
After the BIG underperformance by the  Club in the last one year.
The expectations of the fans & the management will be less.
(Similar to the low returns expectations by investors after a bear market.)

Zidane picks up the mantle again as a Value Investor.

Patience & Decision making is key to success..

He has never harmed his reputation after lot of things went wrong with the club in the current season.

The Club's President,Fans & Players are looking forward for him with breath of fresh air..

I will end with WARREN BUFFET's famous quote which the FRENCHMAN(ZIDANE)has executed perfectly..

"Be fearful,When others are Greedy,Be Greedy,when others are fearful".




Also note...
Zidane is not GOD or 100% perfect.
As player...he acted on impulse and headbutted opposition player Materazzi in 2006 World Cup finals and regeretted later for a long long time. Just like Retail Investors do.....getting carried away by Bull Markets and trying to do something like a Superman!!



We are here talking about Zidane the Coach and not the player.

Investors shouldn't react like the Football player Zidane or RM FC President Florentino Perez..

They should react like the Coach/Manager Zinedine Zidane..

Fantastic transformation in the behaviour from a Player to a Coach..
👏👏👏


The story of Zidane the player and Zidane the Coach also shows that an ADVISOR is an absolute must.
An Investor behaves like Zidane the player.
But under an able Advisor...he transforms himself and becomes much matured.
You, as an investor, cannot learn all the lessons AFTER MAKING THE MISTAKES BY YOURSELF.
That would be pure disaster.
An Advisor would have seen all such mistakes made by innumerable investors and would have drawn a blueprint of
WHATS GOOD AND WHATS NOT GOOD for investment.
you need to follow the Advisor for your benefit.



If you do not know when to enter and when to exit....
just follow 

a) Your Advisor
or
b) Asset Allocation. 


All the best...
Regards, 
Srikanth Matrubai


========================================================================================================================================================================================================================


We Professionals too need a break and as Financial advisors its all the imperative that we took regular breaks.
On Similar pattern, I am also a member of a Sports Group in Whatsapp where we discuss almost all sports thats happening on the Planet with lots and lots of passion.

Sometimes, our DNA of Investments does come into picture and we tend to compare the sporting events/achievements/failures to Wealth Creation.

Our group has experts across the Sporting spectrum and most importantly the entire group consists of only those associated with Wealth Creation and hence the perception is completely different from the normal routine.

In our group one Mr.HARISH KUMAR is absolutely brilliant in his analysis.
The above is one of his analysis in the group.
With his due permission, I have posted the above.

Thank you HARISH  for being gracious enough to let our readers get the connect between Zidane and Investment!!!!





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

Tuesday, January 8, 2019

LIFESTYLE INFLATION ARTICLE IN PROFIT PLUS

The Good news continue to flow in the new year 2019 too....
Your wishes has ensured that my articles continue to get published across.
This is a new article on LIFESTYLE INFLATION published in Kannada Magazine
PROFIT PLUS


http://www.goodfundsadvisor.in/2018/05/beware-of-lifestyle-inflation.html/


LIFESTYLE INFLATION the BIGGEST
 "HITA SHATRU"  
(an ENEMY who acts as a Friend but is actually plotting your downfall)!!




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




Read this article too https://www.goodfundsadvisor.in/2018/06/financial-lesson-from-pharaohs-dream.html/ Read my article on LIFESTYLE INFLATION...












Request all my Kannada readers to consider subscribing to the magazine PROFIT PLUS....it should be very beneficial. I have attached the Subscription details

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