tag:blogger.com,1999:blog-73560005558072716342024-03-18T18:26:22.616+05:30GOODFUNDSADVISORSrikanth Matrubai is known as the WEALTH ARCHITECT. He is practitioner of Wealthy Habits and author of Amazon Best Selling Book DON'T RETIRE RICH.
We strongly urge to follow your Advisor. This blog is purely for information.
However, we strongly suggest you to consult a Financial adviser.
This blog is purely for information purposes only and we do not take any responsibility whatsoever as the blog content may be changed from time to time and is generic in nature. Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.comBlogger354125tag:blogger.com,1999:blog-7356000555807271634.post-13025881286094004632022-08-12T09:58:00.004+05:302022-08-12T09:58:26.644+05:30DECLARE YOUR FINDEPENDENCE DAYNamaste and Happy Independence Month!
<br /> India got its Independence this month, when do you plan to get your Financial Independence?
<br /><br /> When you are declaring your “FINANCIAL INDEPENDENCE DAY” ??
<br /><br /> Why do we say it's Independence Day and not Freedom Day?
<br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEglkrPYUzoR3QTYpGM_bQKRVaL1IJMDb-9uX-m2kA0dh8e3dpg4NMWAOzNXWLXsP0FdmnwFSTdt0Bf3_AZPgTuqKIgABKfIelmU-DDzDwhkuVegMFs5syoAGc-F0YAOsDSlAWr-tDK0iRKsvah_phRsSFX1fq1EHxeSmYIS0F4Tw2wGiB6mAiOlBKZ3" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="522" data-original-width="639" height="522" src="https://blogger.googleusercontent.com/img/a/AVvXsEglkrPYUzoR3QTYpGM_bQKRVaL1IJMDb-9uX-m2kA0dh8e3dpg4NMWAOzNXWLXsP0FdmnwFSTdt0Bf3_AZPgTuqKIgABKfIelmU-DDzDwhkuVegMFs5syoAGc-F0YAOsDSlAWr-tDK0iRKsvah_phRsSFX1fq1EHxeSmYIS0F4Tw2wGiB6mAiOlBKZ3=w640-h522" width="640" /></a></div><br /><br /> Financial Freedom means having no debts or financial obligations and also the ABILITY to purchase assets without having to rely on debt.
Financial Independence means you have so much money that your money (wealth) supports the lifestyle you want
<br /><br /> Know more about this and get more insights in our article in our blog SRIKAVI MONEY
You can read the article here <div><a href="https://srikavimoney.blogspot.com/2021/08/financial-freedom-vs-financial.html" style="background-color: #fff4f5; color: blue; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" target="_blank">https://srikavimoney.blogspot.com/2021/08/financial-freedom-vs-financial.html</a></div><div><br /></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjNf_2tn-nImi2fKcAxAhIP1w1c46XD2rp_sZ6CGx1ZcfHphGDfN-keukmXKD94j1OI9Q3-So58O5Pl8xQ4NkvJ-Kf4uw7ytxJw3FEhpfLjAwRxoK-Chk2X_xBCnKRHL8B4opB6ZyHuOT5cHiBfpLQX1SLe9lZfSYJgJ5i6_s8Y6SjLCBcevGTTRZ3A" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="1219" data-original-width="1280" height="381" src="https://blogger.googleusercontent.com/img/a/AVvXsEjNf_2tn-nImi2fKcAxAhIP1w1c46XD2rp_sZ6CGx1ZcfHphGDfN-keukmXKD94j1OI9Q3-So58O5Pl8xQ4NkvJ-Kf4uw7ytxJw3FEhpfLjAwRxoK-Chk2X_xBCnKRHL8B4opB6ZyHuOT5cHiBfpLQX1SLe9lZfSYJgJ5i6_s8Y6SjLCBcevGTTRZ3A=w400-h381" width="400" /></a></div><br /><br /></div><div><br /></div>
You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
<div dir="ltr" style="text-align: left;" trbidi="on">
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-7692248449066422602021-04-25T14:50:00.004+05:302021-04-25T19:59:13.441+05:30Give POWER to your investments the T20 Way<iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/Z7Ou2eu7Uoo" title="YouTube video player" width="560"></iframe>
>New video published on YOUTUBE<div><div><br /></div><div>The first 6 overs of T20 is the best to hit Big Sixes and Fours. </div><div>The first 6-10 years of YOUR Earning Years are the best to save and Invest MAXIMUM. </div><div>How ?</div><div>And Why?</div><div>Know more in this eye-opening video</div></div><div><br /></div><div><br /></div><div>You can read the article here </div><div><a href="https://srikavimoney.blogspot.com/2021/04/power-play-your-investments-to-score.html" style="background-color: #fff4f5; color: blue; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" target="_blank">https://srikavimoney.blogspot.com/2021/04/power-play-your-investments-to-score.html</a></div><div><br /></div><div><br /></div><div><br /></div>
All the best, <div>Srikanth matrubai</div><div><br /></div><div><br /></div><div><br /></div><div><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Srikanth Matrubai Author of the Amazon Best Seller </span><b style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"><u>DON'T RETIRE RICH</u></b><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"></span><a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" style="background-color: #fff4f5; color: blue; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" target="_blank" www.goodfundsadvisor.in=""></a><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"></span><div class="separator" style="background-color: #fff4f5; clear: both; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; text-align: center;"></div><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Do read the book and give your valuable feedback and request you to post positive comments on the Amazon. </span></div><div><br /></div><div><a href="https://amzn.to/3cHUM6M" style="background-color: #fff4f5; color: blue; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" target="_blank">https://amzn.to/3cHUM6M/</a><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"> </span></div><div><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"><br /></span></div><div><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">You can purchase the book on amazon and flipkart </span></div><div><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"><br /></span></div><div><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Please subscribe to my TELEGRAM channel </span><a href="https://t.me/MutualFundWORLD//" style="background-color: #fff4f5; color: blue; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" target="_blank">https://t.me/MutualFundWORLD/</a></div>Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-50267990739504182022021-04-25T13:14:00.006+05:302021-04-25T14:43:09.626+05:30<div><br /><p class="has-vivid-purple-color has-text-color has-large-font-size" style="background-color: white; box-sizing: inherit; color: #9b51e0; font-family: Poppins; font-size: 2.25em; margin: 0px 0px 21px;"><strong style="box-sizing: inherit;"></strong></p><div class="separator" style="clear: both; text-align: center;"></div><strong style="box-sizing: inherit;"><br />HOW TO TURN YOUR HOME LOAN INTEREST FREE ?</strong><p></p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;">Namaste and Greetings</p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;">Would you like to make your loans INTEREST FREE?</p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;"><br /></p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;"><br /></p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;"><strong style="box-sizing: inherit; color: black; font-family: "Times New Roman"; font-size: medium;"></strong></p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;">Would you like to get back all the Interest Paid to Bank at the end of your Home Loan Tenure?</p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;">Yes….</p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;">Its definitely possible to make your Home Loan free.</p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;">Interested?</p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;"><br /></p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;"><br /></p><p style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin: 0px 0px 21px;">then our new blog on this in</p><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="color: #800180; font-size: medium;"><a href="https://srikavimoney.blogspot.com/2021/04/make-your-home-loan-interest-free-heres.html" style="background-color: transparent;" target="_blank">https://srikavimoney.blogspot.com/2021/04/make-your-home-loan-interest-free-heres.html/</a><span style="background-color: transparent;"> </span></span></p><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="background-color: transparent;"><br /></span></p><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="background-color: transparent;"><br /></span></p><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="background-color: transparent;"><br /></span></p><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="background-color: transparent;"><br /></span></p><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="background-color: transparent;"></span></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr style="background-color: white; font-family: Poppins;"><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-ikRRUs9RnV8/YIUyPOpZKTI/AAAAAAAAKgw/DPOijzHwruQS648swFaD4gHWp72tmY-TgCLcBGAsYHQ/s1039/Home%2BSIP.png" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="938" data-original-width="1039" height="578" src="https://1.bp.blogspot.com/-ikRRUs9RnV8/YIUyPOpZKTI/AAAAAAAAKgw/DPOijzHwruQS648swFaD4gHWp72tmY-TgCLcBGAsYHQ/w640-h578/Home%2BSIP.png" width="640" /></a></td></tr><tr style="background-color: white; font-family: Poppins;"></tr></tbody></table><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="background-color: transparent;"><br /></span></p><p style="background-color: white; box-sizing: inherit; margin: 0px 0px 21px;"><span style="background-color: transparent;"> You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.</span></p></div><div dir="ltr" style="text-align: left;" trbidi="on">
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-63118294710739151972021-03-07T20:34:00.006+05:302021-03-07T20:39:38.182+05:30FINANCIAL ATMANIRBHAR FOR WOMEN !! Here's how<div><p class="MsoNormal">Greetings, </p><p class="MsoNormal">Thank you very much for your continued patronage. </p><p class="MsoNormal">Do continue to shower your blessing on me </p><p class="MsoNormal"><br /></p><p class="MsoNormal">Have posted a new article on my new blog SRIKAVI MONEY</p><p class="MsoNormal"><br /></p><p class="MsoNormal">Here is the link </p><p class="MsoNormal"><br /></p><p class="MsoNormal">FINANCIAL ATMANIRBHAR FOR WOMEN </p><p class="MsoNormal"><b><span style="font-size: large;"><br /></span></b></p><p class="MsoNormal"><b><span style="font-size: large;"><a href="https://wealthyhabit.in/2021/03/07/financial-atmanirbhar-for-women/" target="_blank">https://wealthyhabit.in/2021/03/07/financial-atmanirbhar-for-women//</a>/</span></b></p><p class="MsoNormal"><br /></p><p class="MsoNormal">Do make sure you share with all your women friends and women contacts. </p><p class="MsoNormal">Must read article</p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><b><i><span face=""Verdana",sans-serif" style="color: red; font-size: 16pt; line-height: 107%;">WOMEN, YOU TOO CAN BECOME
FINANCIALLY ATMANIRBHAR. HERE'S HOW<o:p></o:p></span></i></b></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">Covid has proved beyond doubt what we all knew all along
that WOMEN are experts at saving make every rupee count. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">It's because of this quality that many households could
survive the financial crises that they had to face during covid. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">A Big hand to all the Womenfolk out there!<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><u><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">If women can be scientist, lawyers, doctors
and even India's Finance Minister then they DEFINITELY CAN INVEST BETTER AND
BECOME FINANCIALLY FREE. <o:p></o:p></span></u></p>
<a href="https://wealthyhabit.in/2021/03/07/financial-atmanirbhar-for-women/" target="_blank">https://wealthyhabit.in/2021/03/07/financial-atmanirbhar-for-women//</a>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">8. <o:p></o:p></span></p>
<p class="MsoNormal"><b><u><span face=""Verdana",sans-serif" style="color: #002060; font-size: 16pt; line-height: 107%;">Most important is to make sure
that YOU HAVE ADEQUATE TERM INSURANCE &
HEALTH INSURANCE</span></u></b><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">Term Plan should be the FIRST PRIORITY before anything
else. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">It will protect dependents from the risk of loss of income
due to the untimely demise of the breadwinner. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">Women tend to outlive men and its absolutely paramount to
have Health Insurance and an adequate one. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">The ballooning healthcare costs can drain out any corpus
in no time and Health Insurance can mitigate this risk. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">And when taking Term Insurance, make sure your spouse is
taking the policy under the </span><i><u><span style="color: #002060; font-family: "Times New Roman",serif; font-size: 16pt; line-height: 107%;">MARRIED
WOMEN'S PROPERTY ACT (MWP). <o:p></o:p></span></u></i></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">(Read more about MWP in my other article in this blog). <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">MWP will ensure that in case of unforeseen events, your
spouse's assets go ONLY TO YOU even in case of extreme situations like Family
disputes, business loss, etc<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">Also, read </span></p><p class="MsoNormal"><i><span style="font-family: "Times New Roman",serif; font-size: 18pt; line-height: 107%;">http://www.goodfundsadvisor.in/2020/07/does-your-finances-has-financial-mask.html<o:p></o:p></span></i></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">This particular article gives more than 30 practical
ideas on how to earn sitting at home. In fact, almost 90% of the ideas shared
here can be started with virtually ZERO expenses and in very little time.<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">A new study by Fidelity Investments “</span><i><span style="font-family: "Times New Roman",serif; font-size: 18pt; line-height: 107%;">found
that women earn higher returns on their investments than their male
counterparts by about 0.4 percent. This number may seem small at first glance,
but can have a significant impact over time</span></i><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">,”<o:p></o:p></span></p>
<p class="MsoNormal"><b><u><span style="color: #002060; font-family: "Times New Roman",serif; font-size: 16pt; line-height: 107%;">So, in nutshell, you need
NOT BE A DAMSEL IN DISTRESS...<o:p></o:p></span></u></b></p>
<p class="MsoNormal"><b><u><span style="color: #002060; font-family: "Times New Roman",serif; font-size: 16pt; line-height: 107%;">but shine as A SAVIOR IN
SHINING ARMOUR <o:p></o:p></span></u></b></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">Regards, <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">Srikanth Matrubai<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">SRIKAVI WEALTH<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;">Author : DONT RETIRE RICH<o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face=""Verdana",sans-serif" style="font-size: 16pt; line-height: 107%;"> </span></p></div><div><br /></div><div><br /></div><div><br /></div>
You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
<div dir="ltr" style="text-align: left;" trbidi="on">
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-6494386107947318052020-10-12T14:02:00.002+05:302020-10-12T14:03:16.294+05:30NEW ARTICLE ON SRIKAVI MONEY BLOG<div>Greetings, <br />Thank you very much for your continued patronage. <br />Do continue to shower your blessing on me </div><div><br /></div><div>Have posted a new article on my new blog SRIKAVI MONEY<br /><br />Here is the link </div><div><br /></div><div><br /></div><div><br /></div><div>
<a href="https://srikavimoney.blogspot.com/2020/10/is-my-money-safe-in-mutual-funds.html" target="_blank">https://srikavimoney.blogspot.com/2020/10/is-my-money-safe-in-mutual-funds.html/</a> </div><div><br /></div><div> Do visit and share your valuable feedback, comments, and suggestions. </div><div><br /></div><div>Regards, </div><div>Srikanth Matrubai</div><div>Proud MUTUAL FUND DISTRIBUTOR</div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div>Please note
</div><div><br /></div><div><br /></div><div>https://srikavimoney.blogspot.com/2020/10/is-my-money-safe-in-mutual-funds.html</div><div><br /></div>
<a href="https://srikavimoney.blogspot.com/2020/10/is-my-money-safe-in-mutual-funds.html" target="_blank">https://srikavimoney.blogspot.com/2020/10/is-my-money-safe-in-mutual-funds.html/</a>
You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
<div dir="ltr" style="text-align: left;" trbidi="on">
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
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Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com1tag:blogger.com,1999:blog-7356000555807271634.post-70954697738336167972020-10-12T13:56:00.002+05:302020-10-12T13:56:12.498+05:30New blog SRIKAVI MONEY <div>Greetings, <br />Firstly, thank you very much for your co-operation. <br />Due to some regulations, I will NOT BE USING THIS BLOG FOR THE NEXT 6 MONTHS. <br /><br />I am on the way to become a REGISTERED INVESTMENT ADVISOR (RIA) and till then all my new blogs will be published on </div><div><br /></div><div><br /></div><div>. <a href="https://srikavimoney.blogspot.com" target="_blank">https://srikavimoney.blogspot.com/</a> </div><div><br /></div><div>Please visit that and continue to bless me</div><div><br /></div><div>. <a href="https://srikavimoney.blogspot.com" target="_blank">https://srikavimoney.blogspot.com/</a> </div><div><br /></div><div>Do visit <b><a href="https://srikavimoney.blogspot.com" target="_blank"><span style="color: #2b00fe; font-family: arial; font-size: large;">https://srikavimoney.blogspot.com/</span></a></b></div><div><br /></div><div><br /></div>
You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid<div dir="ltr" style="text-align: left;" trbidi="on">
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<div class="separator" style="clear: both; text-align: center;">
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Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-69183489761447535782020-09-28T14:17:00.006+05:302020-10-06T12:05:16.411+05:30THE BOUNCE BACK BY SENSEX-NIFTY AND TEWATIA!!!<div><div><span style="font-family: verdana;"><img border="0" data-original-height="851" data-original-width="800" height="245" src="https://1.bp.blogspot.com/-x9UbqNC5XuY/X3GgFVNJi-I/AAAAAAAAJug/-qzlInWSFAwi5QKbYc6vYw8RvanVLLu-ACLcBGAsYHQ/w400-h245/Tewatia.png" style="color: #010101; font-size: 14.6667px;" width="400" /></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">The Love affair with Sports continues !</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><br /><br /><br /></span></div><div><span style="font-family: verdana;">THE EQUITY Markets after a 2000 points fall bounced back 1000 plus point within couple of days. </span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">The Equity Markets doesn't want to give up after a dismal last week..</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">It has bounced back in the last 2 days like Rahul Tewatia did at the end of his innings for Rajasthan Royals (RR) against KXIP (Kings XI Punjab) in the IPL game yesterday.<br />Chasing the target of 224,He walked in at 100/2 in the 9th Over, He had a shaky start 8*(19)to his innings, He was eating away too many balls & struggling to make contact with the ball..<br /><br />The commentators & fans watching the game were criticizing him for letting his team down & wanted him to get out asap & He was putting too much of pressure on Samson who was going very well from the other end.. The required run-rate kept increasing all the time.. Soon, Samson got out for 85(43) when RR needed 63 runs to win from 24 balls..</span></div><div><span style="font-family: verdana;"><br /><span style="font-size: medium;">On Twitter, there was a frenzy mocking Tewatia's innings. <br /><span style="color: #010101; line-height: 107%;">CricViz showed a negative batting impact of Tewatia while
most veteran cricketers including Aakash Chopra called for <b>destigmatisation of
retired hurt</b> in a bid to tactically allow the struggling batsman to go bat to
the pavilion at will allowing another, a better-placed teammate at the crease</span></span></span></div><div><span style="font-family: verdana;"><span style="color: #010101; font-size: 11pt; line-height: 107%;"><br /></span></span></div><div><span style="font-family: verdana;"><span style="color: #010101; font-size: 11pt; line-height: 107%;"><br /></span></span></div><div><span style="color: #010101; font-size: 11pt; line-height: 107%;"><span style="font-family: verdana;"><br /></span></span></div><div><span style="color: #010101; font-size: 11pt; line-height: 107%;"><a href="https://1.bp.blogspot.com/-n_NEo6OsUsA/X3Gg3K1MHtI/AAAAAAAAJus/Km_9Qzu5acwVFf9RDFhy3newC5mfYhEqACLcBGAsYHQ/s893/Tewatia%2Btwitter%2B.png" style="font-size: medium; margin-left: 1em; margin-right: 1em; text-align: center;"><span style="font-family: verdana;"><img border="0" data-original-height="754" data-original-width="893" height="533" src="https://1.bp.blogspot.com/-n_NEo6OsUsA/X3Gg3K1MHtI/AAAAAAAAJus/Km_9Qzu5acwVFf9RDFhy3newC5mfYhEqACLcBGAsYHQ/w632-h533/Tewatia%2Btwitter%2B.png" width="632" /></span></a></span></div><div><span style="color: #010101; font-size: 11pt; line-height: 107%;"><span style="font-family: verdana;"><br /></span></span></div><div><span style="font-family: verdana;">Cottrell comes to bowl the 17th Over, Tewatia whacks him for 5 Sixes in that Over..Hits One more Six in the next Over takes RR closes to winning target. </span></div><div><span style="font-family: verdana;">\Jofra Archer at the other end hits couple of Sixes to get them closer to the target..<br />Tewatia gets out 53(31), when RR needed 2 runs to win from 7 balls..</span></div><div><span style="font-family: verdana;"><b><u><br />But, he had done the job for his team..</u></b></span></div><div><span style="font-family: verdana;">Tom Curran hits a Four & RR creates history,It was the Highest Successful chase in IPL..</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><b><u>The Investors who were thinking that there will be a deeper correction in the equity markets after last week's fall & sold their holdings needs to learn the lessons from Rahul Tewatia's innings..</u></b></span></div><div><span style="font-family: verdana;"><b><u><br /></u></b></span></div><div><span style="font-family: verdana;"><b><u>#NEVER GIVE UP..</u></b></span></div><div><span style="font-family: verdana;"><b><u>😊😊</u></b></span></div></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">Never get worried about people's reactions (or the Market falls) when you have invested in good STRONG fundamental stocks/funds. <br /><br />It is also to be appreciated the Coach's foresight and faith in Tewatia. <br />Likewise, you need to understand your MFD's choice of investments may go through pain for a brief period. <br />But, history has proved innumerable times that </span></div><div><span style="font-family: verdana;"><span style="color: #800180; font-size: x-large;"><b><u><br /></u></b></span></span></div><div><span style="font-family: verdana;"><span style="color: #800180; font-size: x-large;"><b><u>CORRECTION IS TEMPORARY </u></b></span></span></div><div><span style="font-family: verdana;"><span style="color: #800180; font-size: x-large;"><b><u>AND </u></b></span></span></div><div><span style="font-family: verdana;"><span style="color: #800180; font-size: x-large;"><b><u>GROWTH IS PERMANENT !!</u></b></span></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><br /></span></div><div><p class="MsoNormal"><o:p><span style="font-family: verdana;"> </span></o:p></p>
<span style="background: white; color: #222222; font-size: 11.5pt; line-height: 107%;"><span style="font-family: verdana;">T20 Cricket can never be
written off. Archer and Tewatia proved exactly why taking the game deep is
perfect because a few hits here and there can change the entire course of the
game</span></span></div><div><span style="background: white; color: #222222; font-size: 11.5pt; line-height: 107%;"><span style="font-family: verdana;"><br /></span></span></div><div><span style="background: white; color: #222222; font-size: 11.5pt; line-height: 107%;"><span style="font-family: verdana;">Hold on to your investments during corrections and the benefits will be visible sooner than later. <br />Just make sure you too take your investments deep. <br /><br /><br /></span></span><div class="separator" style="clear: both; text-align: center;"><span style="font-family: verdana;"><br /></span></div><span style="font-family: verdana;"><br /><br /></span><div class="separator" style="clear: both; text-align: center;"><span style="font-family: verdana;"><br /></span></div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">Regards, </span></div><div><span style="font-family: verdana;">Srikanth Matrubai</span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;"><br /></span></div><div><span style="font-family: verdana;">Thanks to liberal inputs from our dear friend HARISH, who is huge fan of Sports and has equal passion towards Money Making. <br /><br /></span></div><div><span style="font-family: verdana;"><br /></span></div><span style="font-family: verdana;">
You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
</span><div dir="ltr" style="text-align: left;" trbidi="on"><span style="font-family: verdana;">
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
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</div><span style="font-family: verdana;">
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-71000307945486017722020-09-09T14:43:00.012+05:302020-09-09T15:56:16.863+05:30FOMO and Punishment by Sehwag !!<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Courier New, Courier, monospace;"><br />One of my oldest friend in this field <b><u>HARISH KUMAR</u></b> is a huge fan of Sports and passionate about Investments. </span><br />
<span style="font-family: Courier New, Courier, monospace;">He is very grounded and gets rar</span><span style="font-family: "Courier New", Courier, monospace;">ely excited or depressed. </span></div><div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Courier New, Courier, monospace;">He almost always gives excellent analogies relating to Sports and here is one of his sharing. </span></div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on"><img border="0" data-original-height="645" data-original-width="1280" height="314" src="https://1.bp.blogspot.com/-5opBACmkYzs/X1ito3s26pI/AAAAAAAAJrs/g-nj49fYwc8YsoomquP7GLypJpYW7N6pwCLcBGAsYHQ/w625-h314/Cricket%2Band%2Binvestment.jpg" width="625" /><br />
<br />
<br />
<br />
<br />
<span style="font-family: arial;"><br />
<br />
<span style="color: purple;"><b><u>THE BACKGROUND BEHIND THE RAPID RISE SINCE MARCH LOWS : </u></b></span><br />
<br />
Financial Economy(Markets) will always recover first..much before the Real Economy does..<br />
<br />
The theory of watching the Inflation, GDP Numbers,Earnings of the companies for each & every quarter happens in the ideal scenario(I.e..When the Interest rates are above the acceptable levels).<br />
<br />
Markets are in the Power Play Mode..<br />
<br />
During the Lower interest rates phase in the economy, the markets will discount 4-5 years earnings in just 1-2 years..<br />
<br /></span>
<span style="font-family: arial;"><br />
<span style="color: blue;"><br /></span>
<b><span style="color: blue;">JUST A TRAILER ! </span></b><br />
<br />
What we have seen so far(I.e..in the last 5-months) is just a trailer..<br />
<br />
I m not saying that Sensex will go to 45-50K in a straight line..It will take its own path.<br />
<br />
I strongly feel that we should be at those levels in the next 3-5 Quarters.<br />
<br />
<u>I will give an example..</u><br />
If a Company has got Rs,10000 Crs Debt on the Balance Sheet..<br />
@10% interest rate, they were shelling out 1000 Crs as interest to the financial institution they had borrowed from..<br />
<br />
After Covid, @ 8%, they will be paying them 800 Crs.<br />
200 Crs will be the savings for the company without even breaking the sweat.<br />
If the Company was declaring 1000 Crs profit earlier will show 1200 Crs profit in the future.<br />
<br />
If you consider 20% increase in the profits for the next 4 years..<br />
20*4 = 80%<br />
<br />
Consider there is decline of 20% earnings for this Financial year..</span><br />
<span style="font-family: arial;"><br />
80-20 = 60%.<br />
<br />
I have not accounted for any growth in the profits of the company due to increase in the future sales, expansion capabilities bcoz of lower interest rate regime..etc.<br />
<br />
1 + 1 will not become 2 in Equity Markets always..it can become 3,4,5 sometimes..😃😃<br />
<br />
<u><b>3 things could happen in the next 2-3 Quarters.</b></u><br />
<br />
1) Most of the investors, who have not seen any returns in the last 2-3 years & having the tendency to compare their Equity investments to FDs, Gold...etc will exit at current levels +/- 5% .<br />
<br />
2) All those investors who have not invested in the last 4-5 months & expecting the Markets to test March lows would lose patience & start entering slowly & finally invest big at 45K + levels when the economy would be functioning normally next year.<br />
<br />
3)The Fixed Income Investors who wouldn't be happy with 5% returns will be entering the markets through MFs after April..Bcoz of the low base effect..<br />
Most of the funds after April 2021 will be showing 30,40,50%.. One year returns..<br />
<br />
👆The Quantum of Money flow will be driving the markets in the short to medium term & not the earnings & GDP..<br />
<br />
& I haven't accounted for the Corporate tax cuts which was announced last September..<br />
That's not yet played out fully..<br />
<br />
Above are the reasons, Why I was bullish on equities from April onwards..<br />
<br />
<b><u><span style="color: purple;">THE CRICKET CONNECTION : </span></u></b><br />
<br />
The Behaviour of many investors in the last 4 months reminds me of the situation <i>Mohammad Sami</i> and <i>Mohammad Yousuf,</i> The Pakistan fielders were in the <u>India Vs Pakistan Test match at Multan in 2004</u>...when they dropped <i><b>Sehwag</b></i> on 68 & 77 respectively...The rest was history,<br />
He went on to score the First Triple Century for India in Test Cricket..<br />
[The Virus had given a fantastic opportunity for the Investors to invest at lower levels during March-May,But most of them missed the opportunities like Sami & Yousuf on a good batting track in the first innings,<b><u>(Huge global liquidity)</u></b>,Sehwag took the control later].<br />
<br />
As & when the boundaries & Sixes were scored by Sehwag after the dropped catches, The cameras were focusing on Sami & Yousuf..</span><br />
<b><u>(As & when the Markets started scaling higher & higher..There was disbelief..They started Cursing the markets for scoring too quickly).</u></b><br />
<span style="font-family: arial;"><br />
Sami took Sehwag's Wicket eventually,but it was too late..History was created..<u>Sehwag had scored the First Triple Century for India & the 2nd Fastest Triple Hundred then.309(375),</u> which was bettered by him 4 years later against SA in 278 balls at Chepauk in 2008<b>..<u>(New/Fresh Market highs will be created before most of the investors realise it).</u></b><br />
<br />
The Master Blaster also added to their woes by scoring 194*.<br />
<b><u>(The Big Bulls like RJ & Porinju have joined the party from the last month or so)..</u></b><br />
<br />
Yousuf was going to his bowlers Sami,Shoaib Akhtar & Saqlain frequently to give them some tips to get Viru's wkt. But, Viru batted them out of the game <br />
<b><u>(The Market experts tried their best to get the Markets down quickly..</u></b><br />
<b><u>Posted stories of Robinhood & Abhimanyu stories because of jealousy,But in Vain.)</u></b><br />
<br />
India declared the innings for a mammoth 675/5.[Not everything is lost now..We are in a situation currently in the markets looking from a 3 years perspective)where we were 173/2 after losing Akash Chopra (42) & Dravid (6).<b><u>.(short term corrections).</u></b><br />
The Little Master has joined Sehwag at the Crease..]<br />
<br />
Pak lost by an innings & 50+ runs..<br />
<b><u>(We can beat inflation by a bigger margin & create huge wealth in the medium to long term)...</u></b><br />
<br />
👆Howzzaaaatt Guys ??😃</span><br />
<br />
<br />
<a href="https://1.bp.blogspot.com/-duJ4w5rPa_c/X1icUYUTCdI/AAAAAAAAJrY/WcM8IFhWBeswU-RMvnKRXWV90NoxGgYAgCLcBGAsYHQ/s1600/Cricket.png" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="450" data-original-width="800" height="351" src="https://1.bp.blogspot.com/-duJ4w5rPa_c/X1icUYUTCdI/AAAAAAAAJrY/WcM8IFhWBeswU-RMvnKRXWV90NoxGgYAgCLcBGAsYHQ/w625-h351/Cricket.png" width="625" /></a><br />
<span style="font-family: arial;"><br />
<br />
<b><span style="color: purple;">SIMILAR STORY : </span></b><br />
Rohit was dropped on 4 by Thisara Perera during his record-breaking ODI knock of 264 from 173 deliveries against SL in November 2014 at Eden Gardens..<br />
<br />
The Costliest/Expensive drop in ODI Cricket History..😃<br />
<b><u>(The Expensive drop/missed opportunity/rally ever for the Investors in the Global markets of around 50%in less than 6 months).</u></b><br />
<br />
When markets correct running for cover or trying to salvage what is left is never a good option . If our country has to prevail markets has to do well.<br />
Ultimately markets are nothing but the reflection of our economic well being. The current interest rate scenario makes us less competitive.<br />
<br />
<b><u>You need an an approch like V-I-R-U to defeat the V-I-R-U-S.</u></b><br />
<br />
Regards,<br />
Harish Kumar</span><br />
<a href="https://1.bp.blogspot.com/-6q6zxfvIb0c/X1icUgYNKpI/AAAAAAAAJrc/VeR1BnXkoB8lrgRBi6y13RSn6KL9GrMEACLcBGAsYHQ/s1600/Harish%2BKumar.jpeg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="853" height="200" src="https://1.bp.blogspot.com/-6q6zxfvIb0c/X1icUgYNKpI/AAAAAAAAJrc/VeR1BnXkoB8lrgRBi6y13RSn6KL9GrMEACLcBGAsYHQ/s200/Harish%2BKumar.jpeg" width="200" /></a><br />
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<b><u>SRIKANTH MATRUBAI's take : </u></b><br />
Cricket and Investing has so many common similarities.<br />
In Cricket....you aim to win the match.<br />
In Investing, you aim to WIN the goals of Life.<br />
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In game, you can afford to LOSE but in Investing, you cannot afford to LOSE....definitely not in the LONG TERM.<br />
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Like a FREE HIT in Cricket, there are some rare times in Investment, when you get REAL GOOD OPPORTUNITY to make money and this March downturn was one such lifetime opportunity.<br />
But, you should be GROUNDED in your thinking and thought process to identify the same and make use of it.<br />
Here, in this blog, we have posted more than half a dozen articles during the March/April downturn extolling our readers to not only STOP getting worried about the Market falls but we also encouraged to consider looking at putting SOME LUMPSUM money.<br />
<br />
Remember, for a bowling unit, a Batsman at the crease for a long time (even if he is not scoring) is more dangerous than a New Batsman.<br />
<b><u>Stick to looking at STAYING AT THE CREASE and make use of any BAD BALLS (market falls). </u></b><br />
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Do get in touch with your Advisor and continue your journey towards Financial Independence.<br />
All the best,<br />
Srikanth Matrubai<br />
</span><div class="separator" style="clear: both; text-align: center;">
<span style="font-family: arial;"><br /></span></div>
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<br />
You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-37291027249297457592020-08-21T21:11:00.004+05:302020-08-21T21:12:40.164+05:30GANESHA SHOWS THE WAY TO FINANCIAL FREEDOM <div dir="ltr" style="text-align: left;" trbidi="on">
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Lord Ganesha is worshipped before beginning anything auspicious, so, this is a great time to START your journey towards becoming FINANCIALLY FREE.<o:p></o:p></div>
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Lord Ganesh is revered as the Lord of Beginnings and Remover of Obstacles.<o:p></o:p></div>
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Lord Ganesha is one who is loved by young & old alike.<o:p></o:p></div>
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<b><span style="color: purple; font-size: large;">THE BIG HEAD </span></b><o:p></o:p></div>
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Lord Ganesha's BIG Head indicates us to Aim BIG and achieve BIG.<o:p></o:p></div>
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Our Financial Plan should be such that we achieve something BIG in life.<o:p></o:p></div>
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Obviously this means that our focus should be on LONG TERM GOALS<o:p></o:p></div>
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<b><span style="color: purple; font-size: large;">SMALL EYES :</span></b><o:p></o:p></div>
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Our Financial Plan should take into all the small Nitty Gritty Minute Details which could create obstacles in achieving our Long Term Goals. <o:p></o:p></div>
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The Small eyes shows that we need to CONCENTRATE on minute things which look small but not actually be so.<o:p></o:p></div>
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Remember : A Small Leak can sink a HUGE SHIP!<o:p></o:p></div>
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LARGE EARS :</span></b><o:p></o:p></div>
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A saying goes "A Good Listener is a Good Leader".<o:p></o:p></div>
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When you listen with open mind, you LEARN and when you learn, you implement, and when you implement, YOU WILL GROW. <br />
Keep your Ears Wide open to absorb knowledge from all corners and listen to Experts whenever & wherever possible especially when it is from a person like SRIKANTH MATRUBAI!!!<o:p></o:p></div>
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<b><span style="color: purple; font-size: large;">SMALL MOUTH : </span></b><o:p></o:p></div>
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The Small Mouth of Lord Ganesh is a indication to us to Talk Less, Talk Sense and Work More. Also dont be loud mouthed with your Finances, discuss your investment plans only with trusted persons like SRIKANTH MATRUBAI!!<o:p></o:p></div>
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<b><span style="color: purple; font-size: large;">SHARP SINGLE TUSK : </span></b><o:p></o:p></div>
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The Single Pointed Tusk of Lord Ganesh indicates us to discard Duality from our minds. Have a Clear Cut Definite Goal and Focus on 1 Goal at a time and then move on to another. Dont jump from one target to another in between without reason.<o:p></o:p></div>
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<o:p><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: x-small;"><b><u>YOUTUBE VIDEO</u></b></span></o:p></div>
<div class="MsoNormal">
<span style="font-size: x-small;">Request you to also watch this cute video which explains about Financial Freedom.</span><br />
<span style="font-size: x-small;">Watch with your family</span></div>
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<i><span style="font-size: x-small;">https://youtu.be/viTXJOh6jWw</span></i></div>
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<a href="https://youtu.be/viTXJOh6jWw" target="_blank"><span style="font-size: x-small;">https://youtu.be/viTXJOh6jWw/</span></a><br />
<span style="font-size: x-small;"><br /></span>
<span style="font-size: x-small;"><br /></span></div>
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<span style="font-size: x-small;">Lets get to learn the lessons on Financial Freedom through this beautiful story. </span></div>
<div class="MsoNormal">
<span style="font-size: x-small;">See this video with your family.</span></div>
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<a href="https://1.bp.blogspot.com/-uUjDLIcTu80/Xz_pv1PQexI/AAAAAAAAJo4/6gUPVoOQHaAD7oZ4350kUNdRmSYWC_gmACLcBGAsYHQ/s1600/Wealth%2BGanesha%2B2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="528" data-original-width="1600" height="210" src="https://1.bp.blogspot.com/-uUjDLIcTu80/Xz_pv1PQexI/AAAAAAAAJo4/6gUPVoOQHaAD7oZ4350kUNdRmSYWC_gmACLcBGAsYHQ/s640/Wealth%2BGanesha%2B2.png" width="640" /></a></div>
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<b><span style="color: purple; font-size: large;">LARGE TRUNK : </span></b><o:p></o:p></div>
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Your Financial Plan should have the flexilbility and adaptibility to recognise and weed out the Rotting Apples and retain performers. Very important in an ever changing circumstances. Remember a Trunk has the Capacity to uproot a Tree and at the same time, even pick a Needle!<o:p></o:p></div>
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Your Plan should be that Flexible!!<o:p></o:p></div>
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<b><span style="color: purple; font-size: large;">LARGE STOMACH : </span></b><o:p></o:p></div>
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The Large Stomach shows us that our Plan should have the wherewithal to withstand and digest the Volatility. It should have an ideal mix of Debt, Balanced and Equity Funds.<o:p></o:p></div>
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Develop to Digest all the volatility. Have patience. The BIG Stomach shows Acceptance.<o:p></o:p></div>
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While some funds/Stocks could look hugely attractive with all indications of being the next multibagger, stay calm, let the news flow filter out and the dust settle and take required action once the Air is cleared.<o:p></o:p></div>
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Your Portfolio (like Lord Ganesh’s Stomach) should have the capacity to absorb everything and digest the same. <o:p></o:p></div>
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<o:p> </o:p><a href="https://1.bp.blogspot.com/-4-UP9lFDKlE/Xz_pv-Y3DSI/AAAAAAAAJo0/4I1Tt2Ae4gs6_Qf25bw1wdKWa-tWjEDoQCLcBGAsYHQ/s1600/Wealth%2BGanesha%2B3.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="602" data-original-width="1552" height="248" src="https://1.bp.blogspot.com/-4-UP9lFDKlE/Xz_pv-Y3DSI/AAAAAAAAJo0/4I1Tt2Ae4gs6_Qf25bw1wdKWa-tWjEDoQCLcBGAsYHQ/s640/Wealth%2BGanesha%2B3.png" width="640" /></a></div>
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<b><span style="color: purple; font-size: large;">MOUSE : </span></b><o:p></o:p></div>
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Lord Ganesha's vehicle is the small MOUSE.<o:p></o:p></div>
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Mouse cuts Ropes that Bind. Cut desires that make you spend more and prevent from Investing.<o:p></o:p></div>
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Keep Desire of Devil under Control.<o:p></o:p></div>
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Ride it rather than making it scare you.<o:p></o:p></div>
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Control the desires (mouse) or the Desires will destroy your wealth<o:p></o:p></div>
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Even tough the Modak is next to it, the Mouse dare not eat the same without permission of Lord Ganesh.<o:p></o:p></div>
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<b><span style="font-size: 14.0pt;">Likewise, no profit booking without your Advisors' consent.<o:p></o:p></span></b></div>
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<i><u><span style="color: purple; font-family: "verdana" , sans-serif;">ANOTHER POINT REGARDING MOUSE : </span></u></i><o:p></o:p><br />
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Mouse has the ability to see even in Dark.<o:p></o:p></div>
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Know how to see the light even in Dark times. Follow your the path shown by your Advisor and stick and you will reach the LIGHT.<o:p></o:p></div>
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Control the Mouse (Desires) and you will see LIGHT!!<o:p></o:p></div>
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MOUSE also indiciates that even the Mightest depend on the smallest.<o:p></o:p></div>
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So, a small SIP could easily make you the CROREPATI.<o:p></o:p></div>
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Yet another thing having the small Mouse as his vehicle shows that Lord Ganesha believes in humility and Simple Living. Learn to live within your means. <br />
Don’t care, if your neighbours have a Mercedes or Rolls Royce, focus on YOUR capability and comforts (you never know how much EMI they are paying for that show off and how much stress they are going through to maintain that lifestyle !)<o:p></o:p></div>
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<b><span style="color: purple; font-size: large;">ONE FOOT ABOVE ANOTHER FOOT : </span></b><o:p></o:p></div>
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Ganeshaji is usually seen sitting with 1 leg folded and other on the Ground.<o:p></o:p></div>
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Meaning aim for the Sky but be rooted to the Ground.<o:p></o:p></div>
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Aim for a BILLION even a ZILLION but know your capacity and aim for achievable Goals!!<o:p></o:p></div>
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Having a Goal too high could lead to disappointment.<o:p></o:p></div>
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Accept your limitations and work towards realistically achievable goals.<o:p></o:p></div>
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<b><span style="color: #7030a0;"> </span></b><a href="https://1.bp.blogspot.com/-4ut6b5KYyIA/Xz_pxLQRQEI/AAAAAAAAJo8/9VYCnNf4X1sjuGj0NWP5-eOG5-AYdwMkgCLcBGAsYHQ/s1600/Wealth%2BGanesha%2B4.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="613" data-original-width="1531" height="256" src="https://1.bp.blogspot.com/-4ut6b5KYyIA/Xz_pxLQRQEI/AAAAAAAAJo8/9VYCnNf4X1sjuGj0NWP5-eOG5-AYdwMkgCLcBGAsYHQ/s640/Wealth%2BGanesha%2B4.png" width="640" /></a></div>
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<b><span style="color: #7030a0; font-size: large;">ELEPHANT HEAD :</span></b><span style="color: #7030a0;"> </span><br />
Many investors tend to start believing that having invested for so many years, I am the expert now….<br />
NO….continue to take the guidance of your ADVISOR whose full time job is to monitor the markets and your portfolio. Better to use your head wisely by wearing the BRAIN of your Advisor and avoid needless pitfalls in the Wealth Creation Journey. <o:p></o:p></div>
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<b><span style="color: #7030a0; font-size: large;">GANESHA TURNS UP ONCE A YEAR:</span></b><span style="color: #7030a0;"> </span><br />
There is no need for you to keep looking at your portfolio valuation every day. <br />
Lord Ganesha turns up once every year. <br />
Have a Review of your Wealth Creation Journey once a year with your Advisor and that should be more than enough. <br />
Remember, if there is something extraordinary events that can affect or affected your portfolio, your Advisor would definitely get in touch with you and do the necessary realignment. <o:p></o:p></div>
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<b><span style="color: purple; font-size: x-large;">FINALLY, THE MODAK : </span></b><o:p></o:p></div>
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the Delicious Modak/Kadabu is awaiting for you at the end for your patientce, sharp focus as a Reward.<o:p></o:p></div>
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Modak is digestive aid and full of Proteins. And this Prasad is given at the End of the Pooja and you too will get your DESERVING REWARD when you stick to your Financial Plan and follow the advise of your FINANCIAL ADVISOR.<o:p></o:p></div>
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<o:p><a href="https://1.bp.blogspot.com/-uS2jPMStOXA/Xz_pxAjrWtI/AAAAAAAAJpA/PwYIC5k_yvwWgVtdJg5X7kfdlY0QFwcvwCLcBGAsYHQ/s1600/Wealth%2BGanesha%2B5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="610" data-original-width="708" height="550" src="https://1.bp.blogspot.com/-uS2jPMStOXA/Xz_pxAjrWtI/AAAAAAAAJpA/PwYIC5k_yvwWgVtdJg5X7kfdlY0QFwcvwCLcBGAsYHQ/s640/Wealth%2BGanesha%2B5.jpg" width="640" /></a></o:p></div>
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<b><u><span style="font-size: large;">Post Script : </span></u></b><o:p></o:p></div>
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Many images of <b><u>Lord Ganesha has a Snake wrapped on HIS Stomach. </u></b><o:p></o:p></div>
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This indicated <b><u><span style="color: purple;">PROTECTION OF CAPITAL (Profit)</span>.</u></b><o:p></o:p></div>
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It also indicates controlling of things which cause us unrest.<o:p></o:p></div>
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For a Successful Financial Plan, it is necessary to do constant review, monitoring and need to book profit/protect Capital in case of extraordinary events.<o:p></o:p></div>
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Best of luck,<o:p></o:p></div>
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May Lord Ganesha bless you with Health, Wealth and Happiness.<o:p></o:p></div>
<div style="margin: 0in;">
Srikanth Shankar Matrubai<o:p></o:p></div>
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<o:p><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;"><b><u>YOUTUBE VIDEO</u></b></span></o:p></div>
<div class="MsoNormal">
Request you to also watch this cute video which explains about Financial Freedom.<br />
Watch with your family</div>
<div class="MsoNormal">
<i><span style="font-size: large;">https://youtu.be/viTXJOh6jWw</span></i></div>
<div class="MsoNormal">
<br />
<a href="https://youtu.be/viTXJOh6jWw" target="_blank">https://youtu.be/viTXJOh6jWw/</a> <br />
<br />
<br /></div>
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Lets get to learn the lessons on Financial Freedom through this beautiful story. </div>
<div class="MsoNormal">
See this video with your family.</div>
<br />
<br />
You are strongly encouraged to consult your financial planner before taking any decision regarding this investment. The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid. <br />
Srikanth Matrubai Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b> <a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a> <br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon. <a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a> You can purchase the book on amazon and flipkart Please subscribe to my TELEGRAM channel <a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-63591331823300770632020-08-09T16:48:00.028+05:302020-08-13T21:26:02.391+05:30What to do if your fund is underperforming<div><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Is Your fund is <b>under performing</b>?<br />
Is Your friend’s portfolio is doing <b>better</b> than you?<br />
Do you feel like Wanting to <b>switch</b> some funds</span></p><div class="separator" style="clear: both; text-align: center;"><br /></div>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Do you feel like Wanting go for an entirely another
asset class altogether? Maybe Gold?<o:p></o:p></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt;"> </span></p>
<p style="line-height: 15pt; margin: 15pt 0in 0in;"><span style="font-size: 14pt;">You have good amount of
cash to invest? You Do not want to miss
the rally?<o:p></o:p></span></p>
<p style="line-height: 15pt; margin: 15pt 0in 0in;"><span style="color: #800180; font-size: x-large;"><br />
<em>It takes character to sit there and do
nothing. I didn’t get to where I am by going after mediocre opportunities.</em><o:p></o:p></span></p>
<p align="right" style="box-sizing: border-box; line-height: 15pt; margin: 15pt 0in 0in; text-align: right;"><span style="color: #800180; font-size: x-large;"><em style="box-sizing: border-box;"> ─ Charlie Munger</em><o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; line-height: 107%;"><span style="color: #800180; font-size: x-large;"> </span></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Remember, often…. the itch to take some action affects
most investors whenever there is volatility in
the markets and when a risk event happens (like the present COVID). <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">And every delay in taking action increases the bouts of
excitement / frustration. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">And then there is this factor of <b>FOMO (The Fear Of
Missing Out). </b><br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Never let Greed / Fear takeover your behavior. Its always good to take a decision rationally after weighing all the pros and cons. </span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Before going ahead, you are advised to go
through this article so that you make a BETTER Decision. <br /><br /><o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<h1 style="text-align: left;"><span style="line-height: 107%;"><span style="color: #800180; font-family: arial; font-size: x-large;"><u>THE SHEEP’s ITCH </u></span></span></h1>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">There was this Sheep which had the bad habit of always
<u>rubbing its neck</u> against wall, tree, or pole to which it was tied to clear its ITCH. <br />
One day its Owner tied the sheep to a wooden Pole which was placed <u>horizontally.
</u><br />
The sheep with its bad habit of rubbing, could not find any object to rub its
neck and started getting restless<br />
To its luck (?), it found a sword hanging before it. <o:p></o:p></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><br /></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><a href="https://1.bp.blogspot.com/-Q4ZDkoes5qE/XzVhhoz7LNI/AAAAAAAAJm4/_krnPywfd_MSQXZeFbCyqhIFiGdkvu0lwCLcBGAsYHQ/s1280/Sheep%2Bitching.jpg" imageanchor="1" style="background-color: white; font-family: "Times New Roman"; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="720" data-original-width="1280" src="https://1.bp.blogspot.com/-Q4ZDkoes5qE/XzVhhoz7LNI/AAAAAAAAJm4/_krnPywfd_MSQXZeFbCyqhIFiGdkvu0lwCLcBGAsYHQ/s640/Sheep%2Bitching.jpg" width="640" /></a></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">The Sheep, gleefully, stretched out its neck to relieve its itching. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">And yes, as you guessed, the Sheep’s neck slowly
started getting cut and <span style="color: red;">blood</span> started oozing out. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">The Sheep was enjoying the rub as it gave great pleasure.
<o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">After few moments, it started feeling pain in the neck
and was horrified to find <span style="color: red;">blood </span>oozing out. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">It started bleeding and kicking around to escape
itself but there was no one around to help it out. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">And by the time, the Sheep’s owner came back, the Sheep
had collapsed and died. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">What’s the connection between a Investment World and
the Sheep Analogy?..........<b><u>The ITCH to be ACTIVE! </u></b><b><u><span style="font-size: 14pt; line-height: 107%;">Its in being inactive that TRUE WEALTH is
created.</span></u></b></span></p>
<p class="MsoNormal"><b><u><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></u></b></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Where is the need to sell/buy/switch if the job is getting
done? <br />
<br />
Yes. Portfolio Reviews are absolutely necessary, but changes are not !!</span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><br />
Unless the fund performance has deviated too much or there is another top class
alternative….no need to do the tinkering. </span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><br />
Yes. Sometimes the fund may be under-performing but it makes sense to analyze
the reasons behind the under-performance. </span></p><p class="MsoNormal"><span style="line-height: 107%;"><span style="color: #2b00fe; font-family: verdana;"><i><br />
Are the peers doing better than this fund?</i></span></span></p><p class="MsoNormal"><span style="line-height: 107%;"><i><span style="color: #2b00fe; font-family: verdana;"><br />
Has there been a continuous under-performance?</span></i></span></p><p class="MsoNormal"><span style="line-height: 107%;"><i><span style="color: #2b00fe; font-family: verdana;"><br />
Has the fund changed its mandate itself?</span></i></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><i><br />
</i>There could be a huge list of reliable and valid reasons why this
particular fund is not performing as per expectations. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">You are better off looking at the <b><u>entire portfolio</u></b>
with a holistic approach than just focusing on 1 or 2 under-performing fund. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Your Wealth Journey would see lots of variation and go
through troublesome periods. Invariably,
there are going to be couple of years of huge gains, and there could be more
than 4-5 years of flattish / negative growth. <br />
What matters is whether your portfolio is on track to achieve the goals intended
<o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Being ACTIVE and taking ACTION for the sake of taking
action is definitely not the answer. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Sometimes, the best thing would be to JUST DO NOTHING.<o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Yes…its very difficult to convince yourself NOT TO DO
ANYTHING when everyone around you is hyper active. You will definitely going to
see the effects of the <b>FOMO (Fear Of Missing Out). </b><o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">But, as written in my book DON’T RETIRE RICH, you are
better focusing on JOMO <b>(Joy Of Missing Out) rather than FOMO. <o:p></o:p></b></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><b> </b></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">And please do not think I am asking you to be
complacent. Not at all. <br />
You are being encouraged to take RATIONAL decision wherein you analyse the
situation in a relaxed way and without being in a hurry. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><br /></span></p><div class="MsoNormal" style="background-color: #fff4f5; font-size: 12pt; margin: 0in 0in 0.0001pt;"><span style="background: white; line-height: 17.12px;"><span style="font-size: 18.6667px;"><br /></span><b><u><span style="color: purple; font-size: large;">CORRECTIONS ARE TEMPORARY<o:p></o:p></span></u></b></span></div><div class="MsoNormal" style="background-color: #fff4f5; font-size: 12pt; margin: 0in 0in 0.0001pt;"><span style="background: white; line-height: 17.12px;"><b><u><span style="color: purple; font-size: large;"><br /></span></u></b></span></div><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"></span></p><div class="MsoNormal" style="background-color: #fff4f5; font-size: 12pt; margin: 0in 0in 0.0001pt;"><span style="background: white; line-height: 17.12px;"><b><u><span style="color: purple; font-size: large;">GROWTH IS PERMANENT</span></u></b><span style="font-size: 14pt;"><o:p></o:p></span></span></div><div class="MsoNormal" style="background-color: #fff4f5; font-size: 12pt; margin: 0in 0in 0.0001pt;"><b style="font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 14pt; text-indent: -0.25in;"><span style="color: purple;"><br /></span></b></div><div class="MsoNormal" style="background-color: #fff4f5; font-size: 12pt; margin: 0in 0in 0.0001pt;"><b style="font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 14pt; text-indent: -0.25in;"><span style="color: purple;">TAKE RATIONAL DECISION.</span></b></div><div><span style="background: white; line-height: 17.12px;"><div class="MsoListParagraphCxSpMiddle" style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"><span style="font-size: 14pt; line-height: 19.9733px;">Never ever take decisions based on either Fear or Greed.<br />Do not act in Panic or Excitement.</span></div></span></div><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><b style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"><u><span style="color: purple; font-size: large;">THE HISTORY OF BIG FALLS & THE BIGGER BOUNCE BACKS : </span></u></b><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><b style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"><u><span style="color: purple; font-size: large;"><br /></span></u></b><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Year 1992 - Sensex down by 54% in a year and up by 127% in next 1.5 yrs.</span><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Year 1996 - 40% down in 4 years and 115% in next year</span><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Year 2000 - 56% down in my 1.5 years and 138% up next 2.5 years.</span><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Year 2008 - 61% down in 1 year and 157% up in next 1.5 years</span><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Year 2010 - 28% down in 1 year and 96% up in next 3 years</span><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><br style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;" /><span style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;">Year 2015 - 22.3% down in 1 Year and 25% up in next 7 months</span></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><a href="https://1.bp.blogspot.com/-udt0DrXL2-c/XzVhCxFumQI/AAAAAAAAJmk/Bj5tuHCRJKsgHW8KBe51cqz_P6zwdUGhwCLcBGAsYHQ/s1024/Correction%2B3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1024" data-original-width="930" height="640" src="https://1.bp.blogspot.com/-udt0DrXL2-c/XzVhCxFumQI/AAAAAAAAJmk/Bj5tuHCRJKsgHW8KBe51cqz_P6zwdUGhwCLcBGAsYHQ/s640/Correction%2B3.jpg" /></a></span></p>
<p class="MsoNormal"><span style="line-height: 107%;"><b><u><span style="font-family: arial; font-size: x-large;">AVOID AVERAGING:</span></u></b><span face="" style="font-family: "times new roman", serif; font-size: 14pt;"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><br />
Do not average Consistently under-performing funds. <br />
There is no point in averaging an under-performer, especially if the future does
not look rosy enough and there are good alternatives available. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">This is more applicable to the Sector / Thematic funds
as these types of funds requires constant monitoring and actually do require regular
taking of ACTION!<o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">As long as the fund is aligned to your goals and progressing
as per schedule, it shouldn’t bother you if the markets are running away or if
other funds which is not in your portfolio are giving mega returns. <o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><br /></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><u>BORING IS BEST WHEN IT COMES TO WEALTH CREATION. </u><o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">BEING AGILE and looking out for opportunities and to
prevent wealth destruction is definitely on but BEING OVERACTIVE for the sake
of being active is a STRICT NO-NO. <span style="color: #1d2129;">Avoid
overthinking and overanalysing.</span><br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><span face="" style="background: white; color: #666666; font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><b><u>DO REMEMBER : </u></b></span></p><p class="MsoNormal"><span face="" style="background: white; color: #666666; font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">Please DO REMEMBER that
SELLER is selling because he feels that fund (and the underlying Stock) will
not Go up Further. At the SAME TIME BUYER feels that Stock is likely to go up<o:p></o:p></span></p>
<p class="MsoNormal"><span face="" style="background: white; color: #666666; font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;">MOVEMENT of Stock
Market is result of COLLECTIVE sychological Behaviour of THOUSANDS of
Investors(SELLERS & BUYERS).</span><span face="" style="color: #666666; font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><br />
Movement in Stock Markets and Asset Classes is a result of Collective
Phychological Behaviour of lakhs of Buyers and Investors <span style="background: white;"><o:p></o:p></span></span></p>
<p style="background: white; margin: 0in 0in 15.75pt;"><span style="color: #333333; font-size: 14pt;">Don’t try to
be either overcautious or over adventurous. <br style="box-sizing: inherit; mso-special-character: line-break;" />
<!--[if !supportLineBreakNewLine]--><a href="https://1.bp.blogspot.com/-79TCcRqgvjk/XzVhC-mVI7I/AAAAAAAAJms/eSddMqAbteIHDUHMIiv9GxJLj59LU2GWgCLcBGAsYHQ/s640/Correction%2Bimage.png" imageanchor="1" style="font-family: "times new roman", serif; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="494" data-original-width="640" src="https://1.bp.blogspot.com/-79TCcRqgvjk/XzVhC-mVI7I/AAAAAAAAJms/eSddMqAbteIHDUHMIiv9GxJLj59LU2GWgCLcBGAsYHQ/s0/Correction%2Bimage.png" /></a></span></p><div class="separator" style="clear: both; text-align: center;"><span style="color: #333333; font-size: 14pt;"><br /></span></div><span style="color: #333333; font-size: 14pt;">
<!--[endif]--><strong style="box-sizing: inherit;"><o:p></o:p></strong></span><p></p>
<p style="background: white; margin: 0in 0in 15.75pt;"><strong><span style="color: #333333; font-size: 14pt;">Do
not SELL at funds without proper analysis</span></strong><span style="color: #333333; font-size: 14pt;"> and turn your paper loss into
permanent loss<o:p></o:p></span></p>
<p style="background: white; box-sizing: inherit; margin: 0in 0in 15.75pt;"><span style="color: #333333; font-size: 14pt;">And at the same time, do not
jump and start ramping equity by putting your entire 100% at one go.<o:p></o:p></span></p>
<p style="background: white; box-sizing: inherit; margin: 0in 0in 15.75pt;"><strong><span style="color: #333333; font-size: 14pt;">Stick to Asset
Allocation</span></strong><span style="color: #333333; font-size: 14pt;">. Don’t
go overboard on debt or equity or any asset class for that matter. <br style="box-sizing: inherit; mso-special-character: line-break;" />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size: 14pt; line-height: 107%;"><span face="" style="font-family: "times new roman", serif;">Its apt to take an example given by </span><u style="font-family: "times new roman", serif;"><i>BRAIN TRACY </i></u></span></p><p class="MsoNormal"><span style="font-size: 14pt; line-height: 107%;"><span face="" style="font-family: "times new roman", serif;"><i><u><br /></u></i></span>
<i style="font-family: arial;"><span class="fontstyle01"><span style="line-height: 107%;">When an airplane
leaves Chicago for Los Angeles, it is off course 99 percent of the time. This
is normal and</span></span> <span class="fontstyle01"><span style="line-height: 107%;">natural and to be expected. The pilot
makes continual course corrections, a little to the north, a little to the</span></span>
<span class="fontstyle01"><span style="line-height: 107%;">south. The pilot
continually adjusts altitude and throttle. And sure enough, several hours
later, the plane</span></span> <span class="fontstyle01"><span style="line-height: 107%;">touches
down at exactly the time predicted when it first became airborne upon leaving
Chicago. </span></span><span class="fontstyle01"><b><span style="line-height: 107%;">The
entire</span></b></span></i><b><i><span style="font-family: arial;"> </span></i><span class="fontstyle01"><b><span style="line-height: 107%;"><i><span style="font-family: arial;">journey
has been a process of approximations and course adjustments</span></i><span face="" style="font-family: "times new roman", serif;"><o:p></o:p></span></span></b></span></b></span></p>
<p class="MsoNormal"><span class="fontstyle01"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></span></p>
<p style="background: white; margin: 0in 0in 15.75pt;"><span style="color: #333333; font-size: 14pt;">Apt
adjustments wherever required is an absolute necessity. But trying to be busy
in Wealth Creation is not the way to go. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><br /></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span face="" style="font-family: "times new roman", serif; font-size: 14pt;"> A person taking a photo-copy (xerox) of a 10,000 page book definitely looks busy and for a pretty long time too. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span face="" style="font-family: "times new roman", serif; font-size: 14pt;"> </span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;"><br /></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;">WHAT TO DO THEN ?</span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;"><br /></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;">1. Stick to Basics......to your Asset Allocation</span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;"><br /></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;">2. Focus on Your Goals. </span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;"><br /></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;"><br /></span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;">Do NOT convert your Paper Loss into Permanent Real Loss</span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;">Don’t forget..</span></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: times new roman, serif;"><span style="font-size: 18.6667px;">“ALL BEAR MARKETS HAVE ONE THING IN COMMON…….THEY END” !!</span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: times new roman, serif;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><span style="font-family: times new roman, serif;"><a href="https://1.bp.blogspot.com/-egKdPhx3D2E/XzVhC1ts3NI/AAAAAAAAJmo/s0ESP9qaVhMzRAqWTOhvl9TYi-IdgSa8gCLcBGAsYHQ/s712/Correction%2Bbounce%2Bback.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="492" data-original-width="712" src="https://1.bp.blogspot.com/-egKdPhx3D2E/XzVhC1ts3NI/AAAAAAAAJmo/s0ESP9qaVhMzRAqWTOhvl9TYi-IdgSa8gCLcBGAsYHQ/s640/Correction%2Bbounce%2Bback.jpg" width="640" /></a></span></div><span style="font-family: times new roman, serif;"><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /></span><p></p>
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<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><b>Make your roots strong. </b><br />
Ensure that you have a Super Strong Portfolio capable of weathering all storms
and having sufficient exposure to all
types of asset classes with the right percentages and allocation. If the roots
are strong, the need to take ACTION seldom arises. <br />
But, do note, regular Portfolio review and monitoring is a definite YES. <o:p></o:p></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"><br /></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif;"><span style="font-size: 18.6667px;">*WEALTH WISDOM* </span></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif;"><span style="font-size: 18.6667px;"><br /></span></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif;"><span style="font-size: 18.6667px;">The best thing to do from a money point of view in a prolonged bear market is just NOT ACT.</span></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif;"><span style="font-size: 18.6667px;">Big strategic decisions shouldn’t be made in the middle of a storm, your mind is too clouded often to think straight.</span></span></p><p class="MsoNormal"><br /></p><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><span style="font-family: "arial black", sans-serif;"><span style="color: purple; font-size: medium;"><u><b>TREAT EQUITY LIKE YOU TREAT LAND AND GOLD</b></u></span></span></div><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><br /></div><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><span style="font-family: verdana, sans-serif;">The biggest issue with Indian Investors that when</span></div><ol style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px;"><li style="margin: 0px 0px 0.25em; padding: 0px;"><div style="margin-bottom: 0in;"><span style="font-family: verdana, sans-serif;">GOLD prices fall, their first reaction is....GOOD.....Now I can buy more</span></div></li><li style="margin: 0px 0px 0.25em; padding: 0px;"><span style="font-family: verdana, sans-serif;"><br /></span></li><li style="margin: 0px 0px 0.25em; padding: 0px;"><div style="margin-bottom: 0in;"><span style="font-family: verdana, sans-serif;">When Land Prices fall, their reaction is ….CHALEGA....I AM HOLDING FOR LONG TERM</span></div></li></ol><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><span style="font-family: verdana, sans-serif;">But when the same investors's mutual fund or equities fall, their reaction is....</span></div><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><span style="font-family: verdana, sans-serif;">I<i>S THE END OF STOCK MARKETS....<br />Has my money gone??<br />Let me Take out whatever is left!!</i></span></div><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><br /></div><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><span style="font-family: verdana, sans-serif;">When anyone is looking at selling off Real Estate and the land rates have fallen by 30%, their ONLY reaction is.....”W<i>HY SHOULD I SELL NOW?? ITS DOWN BY 30%....i WILL WAIT</i>”<br />but, the same investor, will not even blink when it comes to selling Equities even at a loss!!</span></div><div style="background-color: #fff4f5; font-family: Georgia, Utopia, "Palatino Linotype", Palatino, serif; font-size: 15.4px; margin-bottom: 0in;"><h2 style="font-size: 22px; margin: 0px; position: relative;"><b>DO NOT ALLOW YOUR NOTIONAL LOSS TO TURN INTO PERMANENT LOSS!!</b></h2><div><b><br /></b></div><div><b><br /></b></div></div><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><span style="font-size: 18.6667px;"><span face="" style="font-family: "times new roman", serif; line-height: 107%;"></span></span></p><p class="MsoNormal"><br /></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> Finally, I leave you with the thought and that is .....</span></p><p class="MsoNormal"><span style="line-height: 17.12px;"><b><span style="color: #800180; font-family: arial; font-size: x-large;">BETTER TO TAKE A DELAYED WISE DECISION THAN TAKING A EARLY WRONG DECISION<o:p></o:p></span></b></span></p><p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"></span></p><p class="MsoNormal"><span style="line-height: 17.12px;"><b><span style="color: #800180; font-family: arial; font-size: x-large;"> </span></b></span></p><p class="MsoNormal"><span style="line-height: 17.12px;"><span style="font-family: arial; font-size: x-large;">All the best, </span></span></p><p class="MsoNormal"><span style="line-height: 17.12px;"><b><span style="font-family: arial; font-size: x-large;">Srikanth Matrubai, </span></b></span></p><p class="MsoNormal"><span style="line-height: 17.12px;"><b><span style="font-family: arial; font-size: x-large;">Author, DON'T RETIRE RICH</span></b></span></p><div class="separator" style="clear: both; text-align: center;"><b><span style="font-family: arial; font-size: x-large;"><br /></span></b></div><p></p><p class="MsoNormal"><span style="line-height: 17.12px;"><b><span style="font-family: arial; font-size: x-large;">RVCC</span></b></span></p>
<p class="MsoNormal"><span face="" style="font-family: "times new roman", serif; font-size: 14pt; line-height: 107%;"> </span></p>
<p class="MsoNormal"><o:p> </o:p></p></div><div><br /></div><div><br /></div><div> You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.
The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.<div><div dir="ltr" style="text-align: left;" trbidi="on">
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<div class="separator" style="clear: both; text-align: center;">
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Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart </div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on"><a href="https://1.bp.blogspot.com/-FKZkjt7M2Ts/Xy_aPkrEaiI/AAAAAAAAJlI/Ls7r9oDR5K82VKioR8kTH3dxSCqdMN1xQCLcBGAsYHQ/s1778/amazon%2BBest%2BSeller.png" style="font-family: "times new roman", serif; font-size: 18.6667px; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="946" data-original-width="1778" src="https://1.bp.blogspot.com/-FKZkjt7M2Ts/Xy_aPkrEaiI/AAAAAAAAJlI/Ls7r9oDR5K82VKioR8kTH3dxSCqdMN1xQCLcBGAsYHQ/s640/amazon%2BBest%2BSeller.png" width="640" /></a></div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on"><br /></div><div dir="ltr" style="text-align: left;" trbidi="on"> Please subscribe to my TELEGRAM channel
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</div></div>Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com1tag:blogger.com,1999:blog-7356000555807271634.post-58147734253725673192020-07-22T18:01:00.001+05:302020-07-26T17:09:22.933+05:30MINDSPACE REITs - should it occupy your Wallet Space ?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Namaste and Happy Morning, </span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Last month the <span style="background: yellow; mso-highlight: yellow;">Gold
Bonds</span> would have gladdened the hearts of the female fraternity and now
for the males, something which will gladden their hearts is coming. Yes, it’s
the REAL ESTATE offering in the form of <b>MINDSPACE BUSINESS PARKS REIT</b>s
Issue. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">The Confidence need to be appreciated! Mindspace Business Parks
REIT is coming out with IPO in the midst of the Century's biggest crises, the
Covid pandemic. The fact that it did not hold back the issue waiting for the
pandemic to go away or reduce shows the supreme confidence it has in the
success of the issue.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">What gave them such supreme confidence?<br />
Lets probe further. </span></div>
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</span><b><u><span style="background-color: #f3f3f3; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="color: purple;">MINDSPACE BACKGROUND :</span></span></u></b><span style="color: #002060; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"> </span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Mindspace Business Parks REIT is backed by the <b>K.Raheja Corp
group and Blackstone. <br />
</b>It owns top quality office space portfolio located across <i><u>Mumbai,
Hyderabad, Pune, Chennai</u></i>, etc. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">The Total Leasable Area of Mindspace Business Parks <b>is 295 Lakhs sq feet,</b> easily one of the largest Grade-A office portfolios in
India. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Company Portfolio has 5 integrated business parks with superior
infrastructure and amenities (such as restaurants, crèches and outdoor sports
arenas) and 5 quality independent offices. Some of its properties include <i>Mindspace,
Inorbit Mall, The Square, Commerzone.<o:p></o:p></i></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Of these 295 lakh sq feet, <u>already 230 Lakh sq ft are
completed</u>, leased out and yielding rent. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Approx. 85% of its Gross Contracted Rentals are derived from
Multinational companies and nearly 40% from Fortune 500 Companies. Some of the tenants of the company include mix
of top class multinational and Indian companies namely <i>Accenture, Qualcomm,
Barclays, JP Morgan, UBS, Facebook, Capgemini and Amazon.<o:p></o:p></i></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Mindspace Business Parks REITs counts IT services firm <i><u>Accenture</u></i>
as its biggest tenant. Accenture accounts
for 8.7% of Mindspace Business Parks’ annual rental income, occupying 1.9
million sq. ft of office space.</span><br />
<span style="color: #203864; font-family: "verdana" , sans-serif;"><span style="font-size: 18.6667px;">As of March 31, 2020, Mindspace REIT’s Portfolio is well diversified with 172 </span></span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 18.6667px;">tenants and no single tenant contributed more than 7.7% of its Gross </span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 18.6667px;">Contracted Rentals.</span></div>
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<b><u><span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="background-color: #f3f3f3; color: purple;">WHAT IS REIT ?</span><span style="color: #203864;"><o:p></o:p></span></span></u></b></div>
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REIT is Real Estate Investment Trust, is similar to Mutual Funds wherein the money is
pooled and invested in <i><u>Commercial Real Estate Assets</u></i>. REITs earn rental
income from their properties, which is distributed to the Unitholders. So, while MF invest in Stocks, gold, bonds,
etc, the underlying asset in REITs gets invested in actual physical Real
Estate. <o:p></o:p></span></div>
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<span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Exactly similar to a Mutual Fund, REIT too will
have a Sponsor which establishes a Trust.</span><span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><br />
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<b><u><span style="background-attachment: initial; background-clip: initial; background-color: #f3f3f3; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="color: purple;"><br />
SO, HOW EXACTLY DOES A REIT WORK : </span></span></u></b><br />
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</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">1. A REIT (like a Mutual fund) collects money from Investors.</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">2. These monies are invested across Rent Generating Properties.</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">3. The REIT collects the Rent</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">4. The REIT distributes the Rent to Investors via periodical Dividend.</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">5. The Capital Value is reflected in the NAV</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<b><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Regulations in India mandate that these REITs have to pay out 90%
of the distributable Cash Flows to the unit
holders.</span></b><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"> And REITs are supposed to have minimum <i><u>80% in COMPLETED AND
INCOME GENERATING real estate properties. <br />
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">So, REITs allow lay investors to have exposure to High-Quality Rent
Yielding properties which would otherwise be unaffordable. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Yes, REITs are also listed in Stock Markets and traded like any
other Equity Shares and hence have no liquidity issues which a typical Real
Estate will face. <o:p></o:p></span></div>
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<span style="background-color: white; color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;">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 !!</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">This is the 2nd REIT issue to hit the Indian Markets after Embassy
Office Parks. BTW, Blackstone is the investor even in Embassy Reits. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Despite subdued equity markets, Embassy REIT fetched a return of
25% over the last one year<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">“Embassy REIT distributed ₹18.8 billion to investors for its first
year as a listed REIT. That is a dividend yield of 8.1%," said a person
close to Blackstone.<o:p></o:p></span></div>
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<b><u><span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="background-color: white; color: purple;">WHATS GOOD ABOUT THE ISSUE </span><span style="color: #203864;"><o:p></o:p></span></span></u></b></div>
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<b><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">1.</span></b><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Owning a Real Estate is a challange both financially and legal hassles,
REITS is an easy simplified asset class to own the same without owning it
Physically.</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
2. No Lock-In</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">You as Investor can enter or exit the REIT as per your wish and convenience
unlike an actual Real Estate which has its own problems. 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</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
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3. Best way to have exposure to Real Estate. Affordable as you can buy a fraction
of the property by buying just a few units <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">4. In addition to the Dividend returns, there is scope for Capital Appreciation
which will be captured in the price of the listed unit of the REIT. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">5</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"> . Since REITs are mandated to distribute 90% of
the surplus distributable Cash Flow, in form of dividends there is a good scope
for Regular Income. </span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
6. Real Estate is one of the
Most non-transparent asset class and REIT aims to reduce that as it is regulated
by SEBI and will be managed by Professional Managers (just like Mutual Funds)</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
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</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">7. DEBT ALTERNATIVE</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">A good alternative to Fixed Deposits and Bonds as the returns in REITS are
more or less assured due to regular rents.</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
7. GEOGRAPHICAL
DIVERSIFICATION TOO:<span style="font-size: 14pt; line-height: 107%;"><br />
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Since REITS will be investing
in Different Geographical locations and mostly in Rental generating assets, it
offers Investors a Good Diversification Option.</span><span style="font-size: 14pt; line-height: 107%;"><br />
</span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: 14pt; line-height: 107%;"><br />8. The issue proceeds will be used to pay off Debts thus the yields could see an uptick.<br />
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<b><u><span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="color: purple;">WHAT’S NOT GOOD :</span></span></u></b><span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="color: purple;"> </span><br />
<span style="color: #203864;"> </span><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">1. Typical Real Estate Industry Issues like a
Bear Market could affect Capital gains</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
3. The Average Rental Yield is
not very attractive in India at present (at about 5% to 8%).</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
</span><span style="background: #fff4f5; color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><br />
4. Since REITS are listed in the
stock markets, the demand/supply mechanism could affect the price of the listed
entity and it could be quite volatile. They are not steady and flat. NO Sir!<span style="font-size: 14pt; line-height: 107%;"><br />
</span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: 14pt; line-height: 107%;">And Short-term performance could be awful.</span><span style="font-size: 14pt; line-height: 107%;"><br />
</span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: 14pt; line-height: 107%;">In fact, in the US, Dow Jones REIT Index fell 17% in 2007 and 39% next
year!<o:p></o:p></span></span></div>
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<b><u><span style="font-family: "verdana" , sans-serif; line-height: 107%;"><span style="color: purple; font-size: large;">WHAT EXPERTS SAY :</span></span></u></b><span style="font-family: "verdana" , sans-serif; line-height: 107%;"><span style="color: purple; font-size: large;"> </span></span></div>
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Savilis India's Anurag finds REITs attractive who feels that in addition to the
7% dividend returns, </span><u><span style="color: blue;">there is good scope for Capital growth giving a
potential DOUBLE DIGIT returns over 3-5 years period</span><span style="color: #203864;"><o:p></o:p></span></u></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="color: #203864;">Once the reduction in Interest rates playing out, </span><span style="color: blue;"><u>an investor
can expect up to 11-14% returns over three-five years</u>,</span></span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">" said Nishant
Agarwal, managing partner and head, family office, ASK Wealth Advisors.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Mindspace has indicated that it is expecting a good 10.6% growth in
Revenue this fiscal (and this is post Covid pandemic disruption)<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="color: #203864;">“Typically, commercial leases are six to nine years long or more,
with a rent escalation clause. </span><span style="color: blue;"><u>This makes REITs less volatile than other
investment avenues</u>,"</span></span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"> said Samantak Das, chief economist and head of
research, JLL India, a real estate consultancy firm.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="color: #203864;">Geojit's Vinod says that the Outlook for Commercial Properties do
not look very positive going forward. And especially, </span><u><span style="color: blue;">for short-term, the
risk is high.</span><span style="color: #203864;"><o:p></o:p></span></u></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="color: #203864;">And as Axis's Subramaian says, </span><u><span style="color: blue;">REITS is a 5-7 year story.</span><span style="color: #203864;"><o:p></o:p></span></u></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><u><span style="color: blue;"><br /></span></u></span>
<span style="font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 107%;"><span style="background-color: white; box-sizing: border-box; color: #282828; font-family: "Noto Serif", serif; font-size: 18px; font-weight: 700; margin: 0px; padding: 0px;">IIFL Securities has recommended the issue for investors seeking returns similar to the debt asset class. IIFL further says </span></span><span style="background-color: white; font-family: "Noto Serif", serif; font-size: 18px;"><span style="color: blue;">Collection of 98 percent of rent during the last three months with an additional 0.8 million square feet being leased ensures relative robustness of the model. It has a strong balance sheet to ensure inorganic growth opportunities.</span></span></div>
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<b><u><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 18.0pt; line-height: 107%;">SHOULD YOU INVEST ?<o:p></o:p></span></u></b></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Investing in REIT is like investing in a <u>combo of Equity and
Fixed income. <o:p></o:p></u></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Though it has more or less a stable return in form of regular
dividends, it also has price volatility in stock markets too. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">In fact, in the US, the <u>REITs have been MORE CONSISTENT</u> in
delivering top performance than even the S&P 500. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">The records show that in the US and other developed markets,
investors invest in REITs not to beat the Stock Market but for <u>regular
income</u> as by Law, REITs have to mandatorily pay out at least 90% of their
net earnings as Dividends. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">REITs, although listed, do not always move in the same direction as
the stock market as the under lying asset is Commercial Real Estate and thus
provides <u>Good Diversification</u>. <o:p></o:p></span></div>
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<b><i><u><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">The FTSE NAREIT All Equity REITs index has outperformed the S&P
500 by more than 1% per year over 47 year period of May 1972 to Dec 2019. <o:p></o:p></span></u></i></b></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">In fact, post lockdown, Mindspace has actually leased out FRESH
0.7msf area across various properties and the weighted average rent achieved
was ACTUALLY HIGHER than the Market rents in the area. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">According to a July 6 report by property consultant firm Anarock,
at 14% return on investment (ROI), India REITs outperformed BSE Realty Index.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Investors need to <u>treat REITs as income-generating assets</u>,
which can deliver slightly higher returns than fixed deposits over the long
term.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Mindspace REITs unit's NAV as on 31.03.20 stood at Rs. 319.50. On
this basis, the issue is priced at a P/BV of 0.86 and the issue is offered at
275 levels. <o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Analysts say the offer is a good bet for investors who are looking
for a safer investment option as compared to equities and an assured return
over a two-three year period.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Investors looking at REITS for a longer time frame of 5-7 year plus
and more as a Diversification tool can consider going for it. <br />
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"> Regards, </span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif;"><span style="font-size: 18.6667px;">Srikanth Matrubai, </span></span></div>
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<b><u><span style="background: rgb(255 , 244 , 245); font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;"><span style="color: purple;">TAX ANGLE :</span></span></u></b><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;"><br /></span><b><u><span style="background: rgb(255 , 244 , 245); color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;"><br /></span></u></b><span style="background: rgb(255 , 244 , 245); color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;">1. Dividends were supposed to be TAXED IN THE HANDS OF THE INVESTORS but later a change in the Finance Bill 2020 was announced post covid outbreak wherein DIVIDENDS EARNED FROM REITs WILL BE EXEMPT IN THE HANDS OF THE UNITHOLDERS.</span><br />
<span style="line-height: 19.9733px;"><span style="background-color: white;"><span style="color: #203864; font-family: verdana, sans-serif; font-size: 18.6667px;">Thus,</span><span style="color: purple; font-family: Arial, Helvetica, sans-serif; font-size: large;"><b><u> </u></b></span></span></span><span style="color: purple; font-family: Arial, Helvetica, sans-serif; font-size: large;"><b><u><span style="background-color: white;">The dividends received from REIT are tax-free.</span><span style="background-color: white;"> </span></u></b></span><br />
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<span style="color: #203864; font-family: "verdana" , sans-serif; line-height: 19.9733px;"><span style="background-color: white;"><span style="font-size: 18.6667px;"><br /></span></span></span>
<span style="color: #203864; font-family: "verdana" , sans-serif; line-height: 19.9733px;"><span style="background-color: white;"><span style="font-size: 18.6667px;"><br /></span></span></span><span style="background: rgb(255 , 244 , 245); color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;">2. Short Term Tax (sold within 3 years) is 15% of Gains</span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;"><br /></span><span style="background: rgb(255 , 244 , 245); color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;">4. Dividends received will be ADDED TO THE INCOME OF INVESTOR AND SHALL BE CHARGED TO TAXED AS INTEREST INCOME</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;"><br /></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;">Point No. 1 </span><span style="background-color: white; font-family: "roboto" , "arial"; font-size: 16px; letter-spacing: 0.4px;">The amendment, however, clarifies that the DDT exemption will be given only for the companies which have not migrated to the new corporate tax regime.</span></div>
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<b><span style="color: blue; font-size: large;">The dividend portion of income from REIT being non-taxable, lends a significant advantage to a retail investor.</span></b></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;"><b><u>OFFER DETAILS</u></b><o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">When Mindspace REIT will open?<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">The Mindspace REIT opens on Jul 27, 2020 and closes on Jul 29,
2020.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">What is the lot size of Mindspace REIT?<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Mindspace REIT lot size is 200 Shares and the minimum order
quantity is 200 Shares.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">How to apply for Mindspace REIT?<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">You can apply in Mindspace REIT online using ASBA as payment
method. ASBA IPO application is available in the net banking of your bank
account. Note that UPI is not an option in Mindspace REIT public issue. Read
more detail about apply IPO online through ICICI Bank, HDFC Bank, SBI Bank,
Kotak Bank and Axis Bank.<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Opens on: Monday, July 27th 2020<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Closes on: Wednesday, July 29th 2020<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">The issue has been underwritten by TOP insititutions like Morgan
Stanley, Citigroup, CLSA, Kotak, UBS, Ambit, etc<o:p></o:p></span></div>
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<span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14.0pt; line-height: 107%;">Rs.4500/- Crs. (Fresh issue. Rs.1,000/- crs & Offer for sale
Rs.3,500/- crs)<o:p></o:p></span></div>
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Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
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Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a><br />
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<span style="color: #203864; font-family: "verdana" , sans-serif; line-height: 17.12px;"><span style="font-size: x-small;"><br />You are strongly encouraged to consult your financial planner before taking any decision regarding this investment.<o:p></o:p></span></span></div>
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<span style="line-height: 17.12px;"><span style="font-size: x-small;"><span style="color: #203864; font-family: "verdana" , sans-serif;">The views expressed here is the authors personal views and should not be interpreted as a recommendation to invest/avoid</span></span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: xx-small;">.</span><span style="color: #203864; font-family: "verdana" , sans-serif; font-size: 14pt;"><o:p></o:p></span></span></div>
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com4tag:blogger.com,1999:blog-7356000555807271634.post-21828073250297011852020-07-19T15:04:00.000+05:302020-07-19T15:04:39.120+05:30DOES YOUR INCOME HAS A FINANCIAL PROTECTION MASK ?<div dir="ltr" style="text-align: left;" trbidi="on">
AN ARTICLE ON HOW AN HOUSEWIFE CAN HELP A FAMILY'S FINANCES GET A FINANCIAL MASK....<br />
Must Read..Must Share<br />
<br />
Namaste,<br />
9 out of 10 people I interact these days is resigned to fate and the only words that come out of their mouth is...<i><span style="color: purple; font-family: "arial" , "helvetica" , sans-serif;">"Never expected this.....Let life take me wherever it wants me to". </span></i><br />
Its almost as if they have resigned to fate and have left behind all their desires, future goals, vision in pre-Covid World.<br />
<br />
The 1 out of 10 who isn't looking bleak or dull is the one whose finances has not been affected as much as others.<br />
<br />
How?<br />
Does his finances has a MASK?<br />
A mask like we wear for our protection from Covid,<span style="color: purple; font-family: "courier new" , "courier" , monospace;"><b> is there any Mask which can protect our Finances from Disasters ?</b></span><br />
<br />
Yes and NO.<br />
<br />
NO....because Covid is something which even the Best of Experts, Best of Financial Planners and the Best of Astrologers were not able to foresee and thus stumped every single person in this Universe.<br />
If any expert says I saw it coming….either he is God or he is lying.<br />
Unprecendented, ruthless and almost decimated every previous notion about SAFE businesses.<br />
<br />
YES, because these peope indeed have a MASK which is protecting their finances.<br />
Readers of our blog would remember that we keep stressing that<span style="color: purple;"> <i><u>THERE IS A LIMIT TO REDUCE YOUR SPENDING BUT THERE IS NO LIMIT TO YOUR EARNIN</u></i>G</span>. And we have always encouraged our readers to FOCUS ON POSITIVES AND EARNING MORE.<br />
<br />
<span style="color: blue; font-family: "verdana" , sans-serif;"><b><br /></b></span>
<span style="color: blue; font-family: "verdana" , sans-serif;"><b><br /></b></span>
<span style="color: blue; font-family: "verdana" , sans-serif;"><b>LEARN SOMETHING NEW</b></span><br />
Since you do have lot of time at your disposal, seriously consider learning new ways of earning income.<br />
Improve your skill set so that you can earn more.<br />
Consider learning a new technology or skill.<br />
<a href="https://1.bp.blogspot.com/-4bQHspW7pao/XxQRsopPhqI/AAAAAAAAJh8/Qv_bjE8GQqUiJIL-oQCUfQrlDPsqI2G1ACLcBGAsYHQ/s1600/Housewife%2Bworking%2B2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1023" data-original-width="682" height="640" src="https://1.bp.blogspot.com/-4bQHspW7pao/XxQRsopPhqI/AAAAAAAAJh8/Qv_bjE8GQqUiJIL-oQCUfQrlDPsqI2G1ACLcBGAsYHQ/s640/Housewife%2Bworking%2B2.png" width="426" /></a><br />
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The HUGE irreversible change that COVID has done is ....it has taken away the s<u><span style="color: purple;">hift/focus AWAY from Labor-intensive jobs towards more Creative-thinking jobs. </span></u><br />
Earlier what mattered more was the strength in your arms, legs and backs. But there has been a clear to the Brain Power, although this was happening earlier too but the COVID has propelled this to NEVER BEFORE seen levels and will only increase further. Complete paradigm shift HAS ALREADY taken place.<br />
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<span style="font-family: "times" , "times new roman" , serif; font-weight: normal;"><i><br /></i></span><div style="text-align: left;">
<span style="color: #351c75; font-family: "times" , "times new roman" , serif; font-weight: normal;"><i>Do read my book DONT RETIRE RICH and give your valuable feedback and request you to post positive comments on the Amazon. <a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a></i></span></div>
</h4>
<a href="https://1.bp.blogspot.com/-LF5KsYkybuA/XxQQAL3PdaI/AAAAAAAAJhs/yVEQ5Kw76I0McI3eOs1K2gtKPipQ3_itACLcBGAsYHQ/s1600/Dont%2Bretire%2Brich%2BBest%2Bseller.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="450" data-original-width="800" height="225" src="https://1.bp.blogspot.com/-LF5KsYkybuA/XxQQAL3PdaI/AAAAAAAAJhs/yVEQ5Kw76I0McI3eOs1K2gtKPipQ3_itACLcBGAsYHQ/s400/Dont%2Bretire%2Brich%2BBest%2Bseller.png" width="400" /></a><br />
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<span style="color: blue; font-family: "verdana" , sans-serif; font-size: large;"><b><u>WHAT DOES THIS MEAN TO YOU ?</u></b></span><br />
This simply means that you can now EARN from the COMFORTS of your Home. NO need to commute daily 1 hour in crowded buses/metro.<br />
<br />
Running an house is not just managing kitchen. And with COVID, males are also in the house and definitely can manage the kitchen.<br />
So, why dont you, the humble housewife start earning.<br />
Yes...why not?<br />
because <u><span style="color: purple;"><b>now its the BRAIN power that is more in demand rather than Muscle Power. </b></span></u><br />
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<br />
What me....? An housewife earning? How? No chance... There is no way I can earn more".<br />
<br />
I would say "Why not? There is huge number of ways you can earn.<br />
Why dont you do PART TIME job?<br />
Why dont you do Tutions at home?<br />
Why dont you do Tailoring at home?<br />
Why dont you write articles during spare time?<br />
Why dont you learn a new hobby (cake making, cloth bag making,etc) and start earning?<br />
<br />
<b><span style="color: purple;">If the intent is there to LEARN AND EARN, the routes will AUTOMATICALLY open up.</span></b><br />
Especially learning new things like Cloth Bag making may even open up loads of money to you.<br />
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.<br />
And, they are earning MORE THAN WHAT THE SALARY THEY WOULD HAVE GOT.<br />
<br />
So, it all boils down to FOCUSING ON EARNING MORE<br />
<br />
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.<br />
<br />
<br />
Concentrate your energies and focus your expertise on Earnings. We have shared some simple and easy ways to earn by sitting at home. So, you, the humble housewife, can show that you too are not only capable of managing kitchen but also managing the entire household expenses.<br />
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<span style="color: purple; font-size: large;"><br /></span>
<span style="color: purple; font-size: large;">1. Online Tutoring</span><br />
<span style="color: purple; font-size: large;">2. Proof Reading</span><br />
<span style="color: purple; font-size: large;">3. Online Surveys</span><br />
<span style="color: purple; font-size: large;">4. Blogging</span><br />
<span style="color: purple; font-size: large;">5. Videos on Cooking/beauty</span><br />
<span style="color: purple; font-size: large;">6. Make Masks</span><br />
<span style="color: purple; font-size: large;">7. Data Entry</span><br />
<span style="color: purple; font-size: large;">8. Homemade Clothes</span><br />
<span style="color: purple; font-size: large;">9. Wooden toys</span><br />
<span style="color: purple; font-size: large;">10. Hand Bags</span><br />
<span style="color: purple; font-size: large;">11. Hair Decoration Accessories</span><br />
<span style="color: purple; font-size: large;">12. Greeting Card</span><br />
<span style="color: purple; font-size: large;">13. Scented Candles</span><br />
<span style="color: purple; font-size: large;">14. Gift Baskets</span><br />
<span style="color: purple; font-size: large;">15. Pillows</span><br />
<span style="color: purple; font-size: large;">16. Painting/Drawing</span><br />
<span style="color: purple; font-size: large;">17. Home made Soaps</span><br />
<span style="color: purple; font-size: large;">18. Plantation</span><br />
<span style="color: purple; font-size: large;">19. Hats</span><br />
<span style="color: purple; font-size: large;">20. Embroideries</span><br />
<span style="color: purple; font-size: large;">21. Tailoring</span><br />
<span style="color: purple; font-size: large;">22. Graphic Design</span><br />
<span style="color: purple; font-size: large;">23. Hanger</span><br />
<span style="color: purple; font-size: large;">24. Lip Balm</span><br />
<span style="color: purple; font-size: large;">25. Belt</span><br />
<span style="color: purple; font-size: large;">26. Perfume</span><br />
<span style="color: purple; font-size: large;">27. Statues</span><br />
<span style="color: purple; font-size: large;">28. Customised Cups</span><br />
<span style="color: purple; font-size: large;">29. Leggings</span><br />
<span style="color: purple; font-size: large;">30. Bread</span><br />
<span style="color: purple; font-size: large;">31. Cookies</span><br />
<span style="color: purple; font-size: large;">32. Ornaments</span><br />
<span style="color: purple; font-size: large;">33. Furniture</span><br />
<span style="color: purple; font-size: large;">34. Rubber Stamp</span><br />
<span style="color: purple; font-size: large;">35. Picture Frames</span><br />
<span style="color: purple; font-size: large;">36. Knitted Prodcuts</span><br />
<span style="color: purple; font-size: large;">37. Curtains</span><br />
<span style="color: purple; font-size: large;">38. Gift Items</span><br />
<span style="color: purple; font-size: large;">39. Photography</span><br />
<span style="color: purple; font-size: large;">40. Language Translating</span><br />
<span style="color: purple; font-size: large;">41. Sell old stuff at home (there are buyers for Antique)</span><br />
<span style="color: purple; font-size: large;">42. Affiliate Marketing</span><br />
<span style="color: purple; font-size: large;">43. Remote Accounting</span><br />
<span style="color: purple; font-size: large;">44. Paid Reviews</span><br />
<span style="color: purple; font-size: large;">45. Remote Call Center</span><br />
<span style="color: purple; font-size: large;">46. Chocolate Making</span><br />
<span style="color: purple; font-size: large;">47. Cake Making</span><br />
<span style="color: purple; font-size: large;">48. Sanitizer Making </span><br />
<span style="color: purple; font-size: large;">49. Counselling<br />and the easiest and the one you can definitely give a try</span><br />
<span style="color: purple; font-size: large;"><br /></span>
<span style="color: purple; font-size: large;">50. </span><span style="color: purple; font-size: x-large;">Home Cooked Food</span> (this should be the easiest. There are many bachelors who work from home but crave for home cooked food who can be your customers)<br />
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<a href="https://1.bp.blogspot.com/-u0r9fWPnl8w/XxQRspRAVtI/AAAAAAAAJh4/BjHPxMqy1T8HDCXzroWwnoPoUCLnZjFbwCLcBGAsYHQ/s1600/Housewife%2Bworking.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="544" data-original-width="1132" height="306" src="https://1.bp.blogspot.com/-u0r9fWPnl8w/XxQRspRAVtI/AAAAAAAAJh4/BjHPxMqy1T8HDCXzroWwnoPoUCLnZjFbwCLcBGAsYHQ/s640/Housewife%2Bworking.png" width="640" /></a><br />
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<br />
In fact, almost 90% of the ideas shared here can be started with virtually ZERO expenses and in very less time.<br />
You can get complete details on each of these above simple ideas on YouTube and other social media sources.<br />
Come on, show the World that you are not just on par with men but can even better them.<br />
<br />
All the best,<br />
Regards,<br />
Srikanth Matrubai<br />
<br />
<br />
<span style="font-family: "courier new" , "courier" , monospace;">Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
</span><br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<span style="font-family: "courier new" , "courier" , monospace;">Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
<br /><br />You can purchase the book on amazon and flipkart
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-22087734081391366582020-07-09T18:39:00.001+05:302021-05-14T14:30:40.485+05:30SHOULD YOU INVEST IN SOVEREIGN GOLD BONDS ?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "times new roman" , serif; font-size: 18pt;">A foodie needs an excuse to eat. </span><b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;"><br /></span></b><span style="font-family: "times new roman" , serif; font-size: 18pt;">A Gold lover does not even need an excuse to splurge on Gold and occasions like Akshaya Tritaya is the BIGGEST festival for any Gold lover!!</span><b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;">.</span></b><b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;">In fact, Akshaya Tritiya or not…..Gold continues to remain a perennial favourite of Indians.</span></b><b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;"><o:p></o:p></span></b></div>
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<b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;">The Government of India is issuing 2020-21 Series IV from July 6 to July10.</span></b><b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;"><o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , serif; font-size: 16.5pt;">The issue price for the SGB is <b>Rs.4852</b> per gram of Gold.</span><span style="font-family: "times new roman" , serif; font-size: 16.5pt;"><o:p></o:p></span></div>
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<span style="font-family: "times new roman" , serif; font-size: 16.5pt;">Those who apply online will get a DISCOUNT OF RS.50 PER GRAM meaning you will be issued SGB at <b>Rs.4802 per gram of Gold.</b></span><b><span style="font-family: "times new roman" , serif; font-size: 16.5pt;"><o:p></o:p></span></b></div>
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<b><i><u><span style="font-family: "arial" , sans-serif; font-size: 14pt;">FEATURES : </span></u></i></b><span style="font-family: "arial" , sans-serif; font-size: 14pt;"><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">1. Open for subscription on 10 July and closes on 14th July.</span><br /><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">2) Bonds will have a denomination in multiples of 1 unit = 1gram of Gold</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">3) Tenor = 8 years)</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">4) Price 2780 (mkt value 2830).............the Previous series was issued at 2901 (50 less than the then market value of 2951)</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">5)Interest 2.5% pa payable semi-annually.......The interest shall be paid in half-yearly rests and the last one shall be payable on maturity along with the principal.</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">6) Minimum 1 gm of Gold, Maximum 4kg of Gold</span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: 14pt;"><o:p></o:p></span></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 14pt;">7) Each underlying unit will track and mirror the price of Gold</span><span style="font-family: "arial" , sans-serif; font-size: 14pt;"><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">8) SGB available in Demat and physical format. (Here physical means Paper format).</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">9) Investments can be made in name of Minors</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">10) Indian Residents, HUFs, Trusts, Charitable Establishments, Universities are eligible<br />11) KYC required (same as when buying physical Gold) : Aadhar Card, PAN, Passport,etc</span></span><span style="font-family: "arial" , sans-serif; font-size: 14pt;"><o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 14pt;">12) Exit option available after 5<sup>th</sup> year</span><span style="font-family: "arial" , sans-serif; font-size: 14pt;"><o:p></o:p></span></div>
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<b><i><u><span style="font-family: "verdana" , sans-serif; font-size: 14pt;">POSITIVES :</span></u></i></b><b><i><u><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"> </span></u></i></b><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">1. Gold is lower than the lowest slab of 5% and is taxed only on @3%.</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">But, this SGB does NOT have even this LOWEST tax.</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Yes, SGB is TAX FREE.</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">2. Additional return of 2.5% per year (not compounded, but annual)</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">3. Tax Free if held till maturity (physical gold is taxed)</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">4. No making charges</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">5. Purity of 999</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">6. Can be used as Loan collateral</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">7. No "fund Management Charges" compared to Gold Funds or Gold ETFs</span></span><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;">8. Ample Liquidity</span><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;">9. The Bonds carry Sovereign Guarantee !</span><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;">10. These Bonds can be used as a collateral for Loans.</span><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;">And</span><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;">Gold is taxed at rates even lower than the LOWEST slab of 5% of GST at just 3% and is definitely attractive Taxation wise but these SGB Bonds are exempt from even GST!!</span><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><o:p></o:p></span></div>
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<b><span style="background: rgb(255, 244, 245); font-family: "verdana" , sans-serif; font-size: 14pt; line-height: 19.9733px;">NEGATIVES :</span></b><b><span style="background: rgb(255, 244, 245); font-family: "verdana" , sans-serif; font-size: 11.5pt; line-height: 16.4067px;"> </span></b><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt; line-height: 16.4067px;"><br /><span style="background: rgb(255, 244, 245);">1. Interest is taxable</span><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 11.5pt; line-height: 16.4067px;">2. Liquidity option available only if it is in Demat Form.<br /><span style="background: rgb(255, 244, 245);">3. If sold before maturity, Capital Gains will be taxed at 20% (though Indexation benefit is available)</span><br /><span style="background: rgb(255, 244, 245);">4. Reduced Interest is at 2.5% (the first 6 tranches the interest was 2.75%)</span><span style="background: rgb(255, 244, 245);"><o:p></o:p></span></span></div>
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<span style="background: rgb(255, 244, 245); font-family: "verdana" , sans-serif; font-size: 11.5pt; line-height: 16.4067px;">5. No option of adding more Bonds when Gold falls as the entry is fixed for a limited period only. </span><span style="font-family: "verdana" , sans-serif; font-size: 12pt; line-height: 17.12px;"><br /></span><span style="background: white; font-family: "verdana" , sans-serif; font-size: 12pt; line-height: 17.12px;">investments in gold ETF attracts TER (total expenses ratio) of 0.48- 1.18 per cent per annum of the total assets. No such charge involved with Sovereign Gold Bonds if they don’t exit through the exchanges</span><span style="line-height: 17.12px;"><br /><span style="color: purple; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><b><u><br /></u></b></span></span><span style="line-height: 17.12px;"><span style="color: purple; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><b><u><o:p></o:p></u></b></span></span></div>
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<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 906px;"><colgroup><col style="mso-width-alt: 7082; mso-width-source: userset; width: 149pt;" width="199"></col><col style="mso-width-alt: 7879; mso-width-source: userset; width: 166pt;" width="222"></col><col style="mso-width-alt: 7850; mso-width-source: userset; width: 166pt;" width="221"></col><col style="mso-width-alt: 9386; mso-width-source: userset; width: 198pt;" width="264"></col></colgroup><tbody>
<tr height="28" style="height: 21pt;"><td class="xl72" colspan="4" height="28" style="height: 21pt; width: 679pt;" width="906"><span style="color: purple; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><b><u>Comparison between Physical Gold, Gold ETFs and Sovereign Gold Bonds</u></b></span></td></tr>
<tr height="26" style="height: 19.8pt;"><td class="xl70" height="26" style="height: 19.8pt;">Parameters</td><td class="xl70" style="border-left: none;">Physical Gold</td><td class="xl70" style="border-left: none;">Gold ETF</td><td class="xl70" style="border-left: none;">Sovereign Gold Bond</td></tr>
<tr height="70" style="height: 52.2pt;"><td class="xl71" height="70" style="border-top: none; height: 52.2pt;">Investment limit</td><td class="xl68" style="border-left: none; border-top: none;">No limit</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="221">Minimum 1 gram and maximum no limit</td><td class="xl67" style="border-left: none; border-top: none; width: 198pt;" width="264">Minimum 1 gram and maximum 4 KG for an individual (as per rules for SGB 2020-21).</td></tr>
<tr height="46" style="height: 34.8pt;"><td class="xl68" height="46" style="border-top: none; height: 34.8pt;">Safety and security</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="222">Higher risk of theft than other forms</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="221">More safe in terms of reduced risk of theft</td><td class="xl67" style="border-left: none; border-top: none; width: 198pt;" width="264">Safer in terms of reduced risk of theft</td></tr>
<tr height="70" style="height: 52.2pt;"><td class="xl68" height="70" style="border-top: none; height: 52.2pt;">Total returns</td><td class="xl68" style="border-left: none; border-top: none;">Lower than actual return on gold*</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="221">Lower than actual return on gold*</td><td class="xl67" style="border-left: none; border-top: none; width: 198pt;" width="264">Higher than actual return on gold (Due to the interest paid on the bond during holding period)</td></tr>
<tr height="46" style="height: 34.8pt;"><td class="xl68" height="46" style="border-top: none; height: 34.8pt;">LTCG</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="222">LTCG applicable after 3 years</td><td class="xl68" style="border-left: none; border-top: none;">LTCG applicable after 3 years</td><td class="xl67" style="border-left: none; border-top: none; width: 198pt;" width="264">LTCG applicable after 3 years. (No capital gain tax if held till maturity)</td></tr>
<tr height="46" style="height: 34.8pt;"><td class="xl67" height="46" style="border-top: none; height: 34.8pt; width: 149pt;" width="199">Can it be used as collateral for loan?</td><td class="xl68" style="border-left: none; border-top: none;">Yes</td><td class="xl68" style="border-left: none; border-top: none;">No</td><td class="xl68" style="border-left: none; border-top: none;">Yes</td></tr>
<tr height="46" style="height: 34.8pt;"><td class="xl68" height="46" style="border-top: none; height: 34.8pt;">Tradeability / Liquidity</td><td class="xl68" style="border-left: none; border-top: none;">Conditional**</td><td class="xl68" style="border-left: none; border-top: none;">Tradeable on exchange</td><td class="xl67" style="border-left: none; border-top: none; width: 198pt;" width="264">Tradable on exchange. You can redeem from 5th year onwards.</td></tr>
<tr height="23" style="height: 17.4pt;"><td class="xl68" height="23" style="border-top: none; height: 17.4pt;">Lock in period</td><td class="xl68" style="border-left: none; border-top: none;">No</td><td class="xl68" style="border-left: none; border-top: none;">No</td><td class="xl68" style="border-left: none; border-top: none;">5 years</td></tr>
<tr height="46" style="height: 34.8pt;"><td class="xl68" height="46" style="border-top: none; height: 34.8pt;">Purity of gold</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="222">Purity check is a big concern</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="221">High (as it is held in electronic form)</td><td class="xl67" style="border-left: none; border-top: none; width: 198pt;" width="264">High (as it is held in electronic form)</td></tr>
<tr height="70" style="height: 52.2pt;"><td class="xl68" height="70" style="border-top: none; height: 52.2pt;">Storage cost</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="222">Can be high if kept in locker (locker cost)</td><td class="xl67" style="border-left: none; border-top: none; width: 166pt;" width="221">Low (held in demat form). Demat account charges may be spread over several securities.</td><td class="xl67" style="border-left: none; border-top: none; width: 198pt;" width="264">Very low (The bond is issued by RBI and is held in the books of central bank.)</td></tr>
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<a href="https://1.bp.blogspot.com/-EXNrDo_-HAw/XwcWt1_UGbI/AAAAAAAAJgM/-2LrEUB9wUggJEh98Ai7modDlJg-jaVGQCLcBGAsYHQ/s1600/Gold%2B3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="1280" height="425" src="https://1.bp.blogspot.com/-EXNrDo_-HAw/XwcWt1_UGbI/AAAAAAAAJgM/-2LrEUB9wUggJEh98Ai7modDlJg-jaVGQCLcBGAsYHQ/s640/Gold%2B3.jpg" width="640" /></a></div>
<span style="font-family: "arial black" , sans-serif; font-size: 11.5pt;"><br /></span><u><span style="font-family: "arial black" , sans-serif; font-size: 18pt;">HOW TO BUY :</span></u><span style="font-family: "times new roman" , serif; font-size: 11.5pt;"><br /></span><u><span style="font-family: "times new roman" , serif; font-size: 18pt;"><br /></span></u><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: "verdana" , sans-serif;"></span>1. Through your Stock Broker.....Units will be credited to demant<br />
2. Through Post Office....will be issued Physical Bond (when selling, not you WILL have to convert them to demat form)<br />
3. Through Banks (both physical and demat mode available)<span style="font-family: "times new roman" , serif; font-size: 11.5pt;"><br /></span><span style="font-family: "verdana" , sans-serif; font-size: 11.5pt;"><br /><br /><b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">THE BIGGEST ATTRACTION</span></b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> for me is that this SGB gives me Interest of 2.5% pa (on base value) and mirrors the prices of Market Value of Gold.</span><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Neither Physical Gold, Gold Mutual Funds or Gold ETFs pay any Interest.</span><br /><b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">For a Gold lover, SGB is a GOD SENT WINDOW to invest in Gold (expecially as it is GST free!!)</span></b><br /><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">SGB is definitely the BEST choice if you want to buy Gold but if you want to create Wealth and become rich.....no .....the asset class of Gold itself is not the right one...</span><br /><br /><br /><span style="font-family: "arial black" , sans-serif; font-size: 20pt;"><o:p></o:p></span></span></div>
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<span style="font-family: "arial black" , sans-serif; font-size: 16pt;">BEFORE INVESTING IN SGB.....ask yourself</span><span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><o:p></o:p></span></div>
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<span style="font-family: "arial black" , sans-serif; font-size: 16pt;">WHY you are investing?</span><span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><o:p></o:p></span></div>
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<span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">If it is for Returns = <b><u>Please don’t</u></b></span><b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-size: 16pt;"><o:p></o:p></span></b></span></div>
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<span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">If it is for Safety of Capital = <u>Okay (Gold tends to give returns in line with Inflation)</u></span></span><u><span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><o:p></o:p></span></u></div>
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<span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">If it is as an alternative to Gold = <u>Yes....Please Go ahead</u></span></span><u><span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><o:p></o:p></span></u></div>
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<u><span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><br /></span></u><span style="font-family: "arial black" , sans-serif; font-size: 16pt;">If it is to diversify = <u>Yes. ...Please go ahead</u></span><u><span style="font-family: "arial black" , sans-serif; font-size: 16pt;"><br /></span></u><span style="font-family: "times new roman" , serif; font-size: 11.5pt;"><br /><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">But, do note....DO NOT....have more than 5-10% of exposure to Gold</span></span><span style="font-family: "times new roman" , serif; font-size: 11.5pt;"><o:p></o:p></span></div>
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<b><u><span style="font-family: "verdana" , sans-serif; font-size: 14pt;">SO WHAT SHOULD I DO ?<o:p></o:p></span></u></b></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Stick to Asset Allocation.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Gold alone does not make you Rich or Wealthy.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Invest ONLY if you are sure to hold till Maturity.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Invest ONLY if your Asset Allocation indicates you need to have more Gold exposure.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Even if we assume just a 5% increase in Gold prices in 8 years.....the returns will be much higher due to the additional interest of 2.5% being given by Govt.<o:p></o:p></span></div>
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<i><span style="font-family: "courier new"; font-size: 14pt;">For example, if you invest Rs.50,000 in this bond and the same will appreciate to say...73872...you will actually get an extra Rs.10,000 which is 2.5 pa interest that the Govt is giving you.<o:p></o:p></span></i></div>
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<i><span style="font-family: "courier new"; font-size: 14pt;">So you will end up with Rs.83872/- which is a return of 6.68% CAGR<o:p></o:p></span></i></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-size: 12pt;">Realistic example of 1 gm...</span></span><br />
<span style="font-family: "verdana" , sans-serif;">20% on 4802.....which is Rs.5762 per gm</span></div>
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<span style="font-family: "verdana" , sans-serif;">Please note INTEREST IS TAXABLE and is payable every 6 months. </span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Cost wise, SGB is really very effective even compared to Gold ETFs but cost is not everything.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">You need to look at Liquidity too.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Even if you are lover of Gold and accept the benefits that SGB does offer....do not forge the dictum “DONT PUT ALL YOUR EGGS IN 1 BASKET”<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">While this refers to Different asset class...it could be referred to Gold too.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">Do not put everything into SGB....do have bit of exposure to Gold<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: 12pt;">The next series will be open from August 3 to August 7 and wil be the Series V</span><span style="font-family: "verdana" , sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="background: white; font-family: "verdana" , sans-serif; font-size: 12pt;">“</span><span style="background: white; font-family: "verdana" , sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="background: white; font-family: "verdana" , sans-serif; font-size: 12pt;">If you have an eight-year horizon, SGBs are the best choice given the interest income and LTCG tax</span><span style="background: white; font-family: "verdana" , sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<br />
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<br />
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</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-14592987149612613482020-06-10T20:41:00.003+05:302020-06-10T20:41:51.302+05:30WEALTH CREATION LESSON FROM COPPER BEECH TREE<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<br />
Greetings,<br />
My friend on a recent visit to the Lyautey's estate at Thorey noticed a hugely attractive tree and asked the Guide about it.<br />
<br />
Brimming with pride, the Guide said..."<i><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">Sir...this is a <b>Cooper Beech Tree</b> and is more than 100 years old. It was planted by Marshall Lyautey who was a General in Napoleon's army</span></i>"<br />
<br />
The guide continued "<i><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">General Lyautey used to love GREENERY and possessed an huge garden with variety of trees. One day he and his gardener were looking over the Estate and the Gaint Trees planted there from all over the World. </span></i><br />
<i><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">Lyautey said to the Gardener "I do not see Copper Beech Tree". </span></i><br />
<i><span style="color: blue; font-family: Arial, Helvetica, sans-serif;">The Gardener signed and said "It is a slow growing tree and takes more than 100 years to reach maturity. Hence didn't plant</span></i>".<br />
<br />
The Marshall replied "<span style="color: blue; font-family: Arial, Helvetica, sans-serif;"><b>There is no time to lose...Plant it this afternoon</b></span>" !!!!<br />
<br />
<br />
<br />
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<a href="https://1.bp.blogspot.com/-uLX17SyfG08/XuD2TuIeKuI/AAAAAAAAJZM/Oe8Vlo_ijbUWsa6HKtB_c7rMgb2F-sP8QCLcBGAsYHQ/s1600/Copper%2BBeech%2BTree.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="640" height="400" src="https://1.bp.blogspot.com/-uLX17SyfG08/XuD2TuIeKuI/AAAAAAAAJZM/Oe8Vlo_ijbUWsa6HKtB_c7rMgb2F-sP8QCLcBGAsYHQ/s640/Copper%2BBeech%2BTree.jpg" width="640" /></a></div>
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<br />
Just imagine the far farsightedness of the Marshall.<br />
<b>Whoever plants the Copper Beech Tree will never see it fully grown and thus you need <u><i>REAL LONG TERM VISION to plant it. </i></u></b><br />
<br />
Now, even after planting, after you, someone should take it forward, nurture with patience, love and care and make sure it actually grows properly.<br />
Besides, the tree during its growth stage will definitely face huge challenges in terms of Cyclones, Floods, Famine, Pest, all of which will play their part in blocking the growth.<br />
<br />
But, <u>TRUE tree lovers will go ahead and plant it. </u><br />
<br />
These trees when fully grown reach heights in the range of 65-110 feet and live for 200 years plus sometimes as long as 400 years.<br />
<br />
The tree is truly huge and requires about 5-6 adults holding hands to ring its trunk.<br />
<br />
It takes GUTS/COURAGE and real long term vision to plant a tree that takes 150 years to mature.<br />
<br />
True Wealth Creators actually have a lesson to learn from this tree…<br />
<br />
You need to have this kind of patience, vision, discipline, faith to CREATE HUGE WEALTH<br />
<br />
<b><u><span style="color: blue;">Actually, to create WEALTH, you dont wait for that long and in fact, you can ACTUALLY SEE AND EXPERIENCE THE WEALTH YOURSELF. </span></u></b><br />
<b><u><span style="color: blue;"><br /></span></u></b>
<b><u><span style="color: blue;">What is needed is Discipline, Vision, Focus and Faith. </span></u></b><br />
<br />
And the magic of you being WEALTHY AND PROSPEROUS is sure to be a reality.<br />
<br />
Do you have that VISION?<br />
<br />
If yes...welcome on board.<br />
<br />
No.....DEVELOP the <b>Wealthy Habits</b> shared regularly by Srikanth Matrubai on his tweets, facebook posts, blogs, Telegram channel and no one can stop you from being a SUPER WEALTHY person.<br />
<br />
All the best<br />
Regards,<br />
Srikanth Matrubai<br />
<br />
<br />
By savings, you’re buying your future.<br />
By borrowing, you’re selling your future. And by investing , you are creating your future.<br />
Read my book <b><span style="color: purple;">DON'T RETIRE RICH </span></b>and become SUPER WEALTHY by implementing thoughts shared<br />
Kindle version<br />
https://amzn.to/2QRnjNY<br />
<br />
#dontRetireRich<br />
#savings<br />
#investing<br />
<br />
<br />
<br />
<br />
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-50542928212734105062020-06-01T18:02:00.006+05:302020-08-13T19:04:39.869+05:30INTERESTING LESSON FROM THE WORLD'S 1ST TRUE LONG TERM INVESTOR!<div dir="ltr" style="text-align: left;" trbidi="on">
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Greetings,<br />
<br />
The Founding Father of America, <b><u>Benjamin Franklin</u></b>, who was also a Scientist, Innovator left such a legacy that his INVESTING BRILLIANCE continued to help thousands of Americans even after 200 years of his Death.<br />
<br />
<i><b>How did he do this?</b></i><br />
<br />
When he died in 1790, he left a<b> will</b> which gifted 1<b>000 Pound Sterling ($4,500)</b> each to 2 of his favourite cities.....his native Boston and his adopted city Philadelphia.<br />
<br />
But he put a <b>condition</b> on Using this Gifted Money.<br />
<i><br />
</i> <span style="font-size: large;"><i>He stipulated that the Gift money had to be put in a Trust which would earn Compound Returns over the next 200 years. </i></span><br />
<span style="font-size: large;"><i>However, after 100 years, each city was allowed to use 75% of the corpus on Public Utilities (Road, School, Parks, etc) and continue to put the remaining 25% for compounding growth. </i></span><br />
<br />
<a href="https://1.bp.blogspot.com/-N9bNqFfQJns/XtTxumRZ7zI/AAAAAAAAJX8/KxtXRD_TUO8n6iRFRrVXNbMgahrlX7o9ACLcBGAsYHQ/s1600/Benjamin%2BFranklin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="745" data-original-width="1280" height="372" src="https://1.bp.blogspot.com/-N9bNqFfQJns/XtTxumRZ7zI/AAAAAAAAJX8/KxtXRD_TUO8n6iRFRrVXNbMgahrlX7o9ACLcBGAsYHQ/s640/Benjamin%2BFranklin.jpg" width="640" /></a><br />
<br />
The Corpus would grow by lending Principal young Entrepreners who would want to set up their own businesses.<br />
It was assumed that the borrowers would repay the Loan with interest and thus the Size of the Corpus would grow.<br />
<br />
The funds were thus given to small businessmen and eager entrepreneurs who wanted to start a business.<br />
The loans were given at nominal rates even lesser than what Banks used to charge.<br />
<br />
<span style="color: purple; font-size: large;"><b><u>SO....WHAT HAPPENED TO THE CORPUS ?</u></b></span><br />
<br />
Accordingly, after 100 years, the BOSTON fund had <b>grown to US$3,91,000 </b>and as instructed, the corpus were spent on Public Works including setting up of the Benjamin Franklin Institute of Technology by spending about $3,22,490.<br />
<br />
<b>And after 200 years, in 1990, the Boston fund corpus had grown to US$50,00,000</b><br />
<br />
The Philadelphia fund also was used wisely. The city's 1st library, its 1st hospital, street lights and The University of Pennsylvannia,etc came up from the fund set up by Benjamin Franklin.<br />
Philadelphia also used the corpus to cover the public debt.<br />
The Philadelphia had grown to about half of Boston corpus<br />
<br />
Finally, after 200 years, in 1990, the balance corpus was handed over to the Franklin Institute in Philadelphia and the Benjamin Franklin Institute of Technology in Boston.<br />
<br />
<br />
<br />
<br />
<br />
There were many destruction and disasters that happened during these 200 years<br />
<i>The 1812 War</i><br />
<i>The Civil War</i><br />
<i>The World War 1</i><br />
<i>The Great Depression</i><br />
<i>The World War 2 </i><br />
<i>and many recessions</i><br />
<br />
<br />
Benjamin Franklin believed that money left untouched and allowed to grow is the best recipe for TRUE FINANCIAL SUCCESS and he proved it with this True Live Example.<br />
<br />
This is a true blue example of Benefits of Starting Early and Staying the Course when it comes to a Long Term Goal.<br />
And of course, a great way of leaving a legacy.<br />
<br />
In a sense, Benjamin Franklin was the FIRST REAL LONG TERM INVESTOR.<br />
<br />
Regards,<br />
Srikanth Matrubai<br />
BEFORE INVESTING KNOW THIS.....<br />
It was in 1962 that NASA knew how to put a man on the moon. However they actually put a man on the moon only in 1968. Why?<br />
<br />
Simply because NASA had to perfect the art of bringing him back.<br />
<br />
Likewise, Just investing and getting a BIG Corpus is not enough.<br />
Do you know how to handle the Withdrawals???<br />
PLAN FOR THAT TOO!!!<br />
<br />
Get more of such facts and knowledge from the best selling book<br />
DONT RETIRE RICH<br />
Kindle version<br />
https://amzn.to/2QRnjNY<br />
<br />
<a a="" amzn.to="" href="https://www.blogger.com/null" http:="https://amzn.to/2QRnjNY" https:="" njny=""></a> <br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br />
Srikanth Matrubai Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b> <a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a> <br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon. <a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a> You can purchase the book on amazon and flipkart Please subscribe to my TELEGRAM channel <a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
</div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-51443469591928820322020-05-07T19:47:00.000+05:302020-05-07T19:47:09.102+05:30HAVING DIFFICULTY SAVING MONEY ? Here's some practical tips<div dir="ltr" style="text-align: left;" trbidi="on">
Having Difficulty saving money ?<br />
<br />
Especially after the hard slap by COVID pandemic, even the majority of higher middle class too would say "yes"....its getting a tad difficult to save money, forget about investing.<br />
<br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">The Monthly Rent</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">The Monthly salary to Maid</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">The Utility Bills</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">The Annual School Fees</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">The festivals</span></i><br />
<i><span style="font-family: "courier new" , "courier" , monospace;"><br />
</span></i> These are some of the few things which keep pegging away at our income month after month without a break.<br />
Majority of people are living paycheck to paycheck and just keep hoping that the next month would be better and keep slogging away.<br />
But there is a huge gap between <b><span style="font-family: "times" , "times new roman" , serif;"><i>WANTING TO SAVE & ACTUAL SAVING</i></span></b>. Especially , due to rising inflation and salary hike not matching up-to the hike in expenses.<br />
However, there is a ray of hope, all this stress can be avoided if some simple steps are taken and adhered to.<br />
Oh Really ?<br />
Yes. You indeed CAN get out of this financial stress.<br />
Lets look at some of them.<br />
<br />
<a href="https://1.bp.blogspot.com/-4v3VbFp0JII/XrQRVf-St-I/AAAAAAAAJS0/sTpnpPRSHaIrZRH8YJlw6x5Tmfs8SGkEgCLcBGAsYHQ/s1600/Savings%2BImage.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1343" data-original-width="1600" height="536" src="https://1.bp.blogspot.com/-4v3VbFp0JII/XrQRVf-St-I/AAAAAAAAJS0/sTpnpPRSHaIrZRH8YJlw6x5Tmfs8SGkEgCLcBGAsYHQ/s640/Savings%2BImage.png" width="640" /></a><br />
<br />
1. The Most effective Money Saving tip that works for almost every one is....<b><u><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">HAVE A GOAL</span></u></b>.<br />
Even if it is a smallish goal of getting a new Mobile in in next 6 months, just the thought of getting WHAT YOU DREAMT OF will motivate you to save.<br />
Gradually start increasing the amount as well as the time-frame of the Goal<br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">Mobile after 1 year</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">A 2 Wheeler after 2 years</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">Laptop in 4 years</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">Family vacation to Europe in 5 years</span></i><br />
<i><span style="font-family: "times" , "times new roman" , serif; font-size: large;">Own House in 10 years</span></i><br />
Having a particular goal ahead of you makes it easier for you to self-displine and actually save for the same and eventually achieve.<br />
You can start with a very small goal of say,<br />
Buying a Watch of Rs.2000 in 6 months<br />
This will inculate the habit of SAVING into your genes and will help you in getting displine<br />
<br />
<br />
2. <b><u>DIFFERENT ACCOUNT FOR DIFFERENT PURPOSES : </u></b><br />
<br />
I myself followed this technique and it is working brilliantly for me.<br />
I have 4 Bank Accounts and each one is designed for different purposes<br />
Bank A is for my DAILY TRANSACTIONS which could include Groceries, Petrol, Rent, etc.<br />
The balance will be carried forward such that you have 2 months of expenses in the bank. Only if the balance exceeds 2 months of expenses then it goes into Bank D.<br />
<a href="https://1.bp.blogspot.com/-oKOqAp6duXo/XrQRVGnH2eI/AAAAAAAAJSw/4nT1E2KgiT0bIr38oMIZGv3ovJCtrxpxwCLcBGAsYHQ/s1600/sAVINGS%2BIMAGE%2B2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="518" data-original-width="1575" height="210" src="https://1.bp.blogspot.com/-oKOqAp6duXo/XrQRVGnH2eI/AAAAAAAAJSw/4nT1E2KgiT0bIr38oMIZGv3ovJCtrxpxwCLcBGAsYHQ/s640/sAVINGS%2BIMAGE%2B2.png" width="640" /></a><br />
<br />
Bank B is for Spendings like Hotels, Shopping, etc<br />
I never cross the limit in this account, (or in any account for that matter).<br />
In fact, I make sure that there is still good percentage of money left over by the end of month.<br />
The balance is carried forward and every quarter or so, 50% of this balance is moved to Bank D.<br />
<br />
Bank C is for INVESTMENTS and Savings<br />
My most favourite account.<br />
In fact, the dividends also get credited to this account and that too gets added up making my kitty grow more.<br />
I am very strict in ensuring that 30% of my income should straight away go to this account whatever may be the circumstances.<br />
And in turn, from this account it gets invested into various asset classes like Equities, Debts, Gold, REIT, etc.<br />
Any balance left over is straight away invested in Liquid funds till I review the overall portfolio and do the Asset Allocation.<br />
<br />
<br />
<br />
Bank D is for Back-Ups and Emergencies<br />
I very rarely use this account.<br />
Whatever is left over at the end of the year, 50% is carried forward and the 40% is typically for SPECIAL TREAT to myself and my family in form of an outing or a Gadget.<br />
And the rest 10% is for Spending on MY EDUCATION.<br />
I too need to be constantly upgrade isnt it?<br />
<br />
<br />
3. <b><u>HAVE A BUDGET : </u></b><br />
The most famous of them all. But not very effective because human mentality very rarely sticks to budget.<br />
But, sticking to Budget is the best way to go about saving money.<br />
In fact, you would have noticed that whenever you have a LIST OF THINGS to buy when you go to Supermarket, you spend less.<br />
But, whenever you go JUST LIKE THAT....the budget shoots up.<br />
So, its always better to WRITE things you actually require and go for shopping.<br />
<br />
Other tips could include<br />
Using only Debit Card rather than Credit Card unless you know how to use them effectively.<br />
<br />
<br />
4. <b><u>HAVE PROTECTION :</u></b><br />
The major reason majority are not able to SAVE Money is that whatever they would have managed to save vanishes whenever a illness strikes the family. In fact, sometimes, even their thoughtfully saved long term savings is dipped into, hitting their long term plans for a toss.<br />
This can be achieved by having a simple Term Insurance Plan and a Basic Health Insurance.<br />
This way, you willl also become more confident and concentrate on SAVING, INVESTING money for future goals than keeping it away waiting for another illness to strike.<br />
<br />
<br />
<br />
<br />
5. <b><u>Focus not on Retiring Rich but F.I.R.E</u></b>.<br />
F.I.R.E is Financially Indepedent Retire Early which willl ensure that you are able to ENJOY your retirement and not having to constantly worry whether your retirement kitty is getting eroded and will last your lifetime.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br />
F.I.R.E.<br />
is the ability to live comfortably without the fear of running out of money ever.<br />
<br />
F.I.R.E in fact ensures that you continue to enjoy the lifestyle that you have at present and in fact, scale up too inspite of not having a Job or a Monthly Fixed Income Source.<br />
<br />
<br />
I have highlighted all these in more more details and simplistic ideas in my book <b><u><span style="font-size: large;">"DON'T RETIRE RICH". </span></u></b><br />
<br />
<span class="fontstyle0">Kindle version</span><span class="fontstyle0"><i>https://amzn.to/2QRnjNY</i></span><br />
<span class="fontstyle0"><i><br />
</i></span> <span class="fontstyle0"><i><br />
</i></span><span class="fontstyle0">Paperback Version</span><span class="fontstyle0"><i>https://amzn.to/3cHUM6M</i></span><br />
<span class="fontstyle0"><i><br />
</i></span> <span class="fontstyle0"><i><br />
https://bit.ly/34FLdBn</i></span><span class="fontstyle0">On Flipkart</span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br />
Regards,<br />
Srikanth Matrubai<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
Srikanth Matrubai Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b> <a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a> <br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon. <a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a> You can purchase the book on amazon and flipkart Please subscribe to my TELEGRAM channel <a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-51897832303155928512020-04-08T15:59:00.000+05:302020-04-20T12:38:49.451+05:30MONEY LESSONS FROM COVID<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Greetings, <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">The sharp,
unforeseen, unprecedented, ruthless butchering of Stock Prices across the Globe
has stunned not just the lay investors but even the Experts. <br />
If any expert says <i><span style="font-family: "courier new" , "courier" , monospace;"><span style="color: blue;"><b>I saw it coming</b></span>…</span></i>.either he is God or he is lying. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;">A market crash of more than 40 per cent in a matter of one
month is completely unprecedented. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;">Your friends, parents, Insurance agent would be now sitting
on your head and showing you with GLEE how <i><span style="color: blue; font-family: "courier new" , "courier" , monospace;"><b>if you had put money in FD, you
would have got more…</b></span><br /><span style="color: blue; font-family: "courier new" , "courier" , monospace;"><b>Only if had taken that Money Back Plan…..<o:p></o:p></b></span></i></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;"><span style="color: blue; font-family: "courier new" , "courier" , monospace;"><b><i>See even your 3-5 years sip is less than SB returns</i></b></span><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="font-size: 14pt;">Let them…</span><br /><b style="font-size: 14pt;">
They rarely get chance…..</b><br /><span style="font-size: 14pt;">
Let me tell you…</span><br /><span style="font-size: 14pt;">
A sip of Rs.10,000 in </span><b style="font-size: 14pt;"><u>BIRLA GENNEXT FUND</u></b><span style="font-size: 14pt;"> for 45 months…</span></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="font-size: 18.6667px;"><br /></span><i><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;">Invested Amount = 4,50,000</span></i></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><i><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;">Market Value = 4,09,000</span></i></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;"><i><br /></i></span><span style="font-size: 14pt;">
i.e. Rs.4,50,000 invested was worth just 4,09.000…less than invested value even
after nearly 4 years of SIP. </span><br /><span style="font-size: 14pt;">
But….the average normal sip tenure is for 5 years and if the same was continued<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;">At the end of 5 years…<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;">Your 60 sips of Rs.10,000 <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;"><i>Invested Value = Rs.6,00,000<o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;"><i>Market Value = Rs.9,10,000 </i></span><span style="font-size: 14pt;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;"><i><br /></i></span></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;">(doubled in 15 months)<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;">And the same continued till 175 sips would have been<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;"><i>Amount Invested = Rs.17,50,000<o:p></o:p></i></span></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: large;"><i>Market Value = Rs.63,13,931</i></span><span style="font-size: 14pt;"><o:p></o:p></span></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="font-size: 14pt;">So at the 45</span><sup style="font-size: 14pt;">th</sup><span style="font-size: 14pt;"> month, the investor would have
definitely faced ridicule and doubted himself and his advisors ability….</span><br /><span style="font-size: 14pt;">
but as I have told so many times..</span></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><span style="font-size: 18.6667px;"><br /></span><b><u><span style="color: purple; font-size: large;">
CORRECTIONS ARE TEMPORARY <o:p></o:p></span></u></b></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><b><u><span style="color: purple; font-size: large;"><br /></span></u></b></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><b><u><span style="color: purple; font-size: large;">GROWTH IS PERMANENT</span></u></b><span style="font-size: 14pt;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="background: white; line-height: 107%;"><b><u><span style="color: purple; font-size: large;"><br /></span></u></b></span></div>
<div class="MsoNormal">
<span style="background: white; font-size: 14pt; line-height: 107%;">Remember, your friend, your insurance agent, none of them are
responsible for your Wealth Creation. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">We as your
Well Wishers, MFDs, hand hold you and do try to make sure you reach your goal
but if, some investors, do behave irrationally and REMOVE their money at this
time of the market inspite of our prodding….we can only wish them good luck. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="line-height: 107%;"><span style="font-size: 14pt;">This COVID
pandemic has made us learn some lessons which we should never forget to make
sure we </span></span></div>
<div class="MsoNormal">
<span style="line-height: 107%;"><i><span style="color: magenta; font-family: "arial" , "helvetica" , sans-serif; font-size: large;">DON’T RETIRE RICH</span></i><span style="font-size: 14pt;"> </span></span></div>
<div class="MsoNormal">
<span style="line-height: 107%;"><span style="font-size: 14pt;">but actually </span></span></div>
<div class="MsoNormal">
<span style="line-height: 107%;"><span style="color: magenta; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><i>F.I.R.E & RETIRE WEALTHY. </i></span></span></div>
<div class="MsoNormal">
<span style="line-height: 107%;"><span style="color: magenta; font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><i><br /></i></span><span style="font-size: 14pt;">
Actually, I would say <b>RE-LEARN</b> because its always the same lessons but maybe
the reasons and the method would be different each time. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><b><span style="color: purple;"><span style="font-size: 14pt; line-height: 107%;">1.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--></span></b><span style="font-size: 14.0pt; line-height: 107%;"><b><span style="color: purple;">EMERGENCY FUND IS A MUST. </span></b><br />
Those who followed our blogs would have definitely kept barest minimum of 3
months of Expenses in an Emergency Fund and for them…it would sure prove to be
NECTOR in these times. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;"><br />
Yes….it seems so stupid at times to see your 6 months of expenses earning you
5.5% to 6% in a liquid fund when other instruments are giving you double digit
returns., but as insisted by us so many times….each asset class has its place
in the Sun and Emergency Fund is for Emergencies…..which the current LOCKDOWN
has turned out to be. <br />
The value of Emergency Fund is in front of your eyes now. Its for those period
of time, when there is a shortfall in income. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><b><span style="color: purple;"><span style="font-size: 14.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">2.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--></span></b><span style="font-size: 14.0pt; line-height: 107%;"><b><span style="color: purple;">HEALTH INSURANCE IS A MUST</span></b><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Sadly, even the literate class (especially the young millennials)
consider Health Insurance as a money going into the drain. <br />
I’m healthy….why do I need Health Insurance is the refrain. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Well, COVID pandemic and any illness as such does not look at the fact
whether you are young or physically active…it can affect anyone, anytime. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Better to be safe than sorry. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">And, by the way, almost all Insurance companies have now COVID into your
existing policy. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-Iw4-yveQyqE/Xo2mgX--BFI/AAAAAAAAJOg/i-WecAIap4YsQxtCi6zhpzdtjuqeUjwkACLcBGAsYHQ/s1600/VOLATILITY%2B2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1489" height="400" src="https://1.bp.blogspot.com/-Iw4-yveQyqE/Xo2mgX--BFI/AAAAAAAAJOg/i-WecAIap4YsQxtCi6zhpzdtjuqeUjwkACLcBGAsYHQ/s400/VOLATILITY%2B2.jpg" width="371" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><b><span style="color: purple;"><span style="font-size: 14.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">3.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--></span></b><span style="font-size: 14.0pt; line-height: 107%;"><b><span style="color: purple;">DO NOT SELL BLUECHIP TO RETAIN THE
JUNK</span></b><br />
The biggest mistake investors do in these kind of crashes is that to cover
losses or pay the margin money, they tend to sell shares/funds which are in
profit and retain those that are in losses. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">And we all know, that Blue Chips and High Quality stocks / Funds are the
ones which have fallen the least and
they are ones getting punished (by getting sold) to retain the JUNK stocks/funds.
Instead of selling off your asset, you
can consider taking a loan on your Mutual funds, shares, insurance, gold, house.
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><b><span style="color: purple;"><span style="font-size: 14.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">4.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--></span></b><span style="font-size: 14.0pt; line-height: 107%;"><b><span style="color: purple;">ASSET ALLOCATION IS A MUST. </span></b><br />
If prudent Asset Allocation would have been adhered to, you wouldn’t have been
in 100% equity. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">And it would have made sure that your Debt portion would have protected
your overall portfolio to a large extent. <br />
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<span style="font-size: 14.0pt; line-height: 107%;"><br />
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<!--[endif]--><o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="color: purple;"><span style="font-size: 14.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">5.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--></span></b><span style="font-size: 14.0pt; line-height: 107%;"><b><span style="color: purple;">BUDGETING NEVER GOES OUT OF FASHION. </span></b><br />
The rising income tends to make people ignore Budgeting. But the COVID has
ensured that you relearn and restart to respect the Budgeting of your Expenses.
<br />
Budgeting will decide where your income will go. <br />
Cutting down on Wants and focusing on NEEDS is the 1<sup>st</sup> step to
become WEALTHY. <br />
Budgeting is not about becoming stingy. Its just understanding the priority of
the expense ladder and ensure there is no Leakage in your Cash Outflow. <br />
You cannot control whether your job is safe or not but you can control your
impulse buying and avoid unwanted expenses. <o:p></o:p></span><br />
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span>
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<!--[if !supportLists]--><b><span style="color: purple;"><span style="font-size: 14.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">6.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--></span></b><span style="font-size: 14.0pt; line-height: 107%;"><b><span style="color: purple;">TAKE RATIONAL DECISION. </span></b><o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Never ever take decisions based on either Fear or Greed. <br />
Do not act in Panic or Excitement. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Remember, you are not the only person to be affected by this COVID
Pandemic. Do not get emotional and take rash decision which could put your
finances into a mess. <br />
Take action only after consulting your well wishers and your Advisor. </span><br />
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span>
<span style="font-size: 18.6667px;"><span style="color: purple;"><b>7. AVOID DEBT : </b></span></span><br />
<span style="font-size: 14.0pt; line-height: 107%;">Avoid debt like a plague.....rather like a Corona !!!!</span><br />
<span style="font-size: 14.0pt; line-height: 107%;">Not just now even post Corona crises when things become normal...you are encouraged to strongly avoid DEBT.<br /><br />
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<span style="font-family: "calibri" , sans-serif; line-height: 107%;"><b><span style="color: purple; font-size: large;"><i>WHAT YOU
SHOULD DO NOW : </i></span></b></span></div>
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<span style="line-height: 107%;"><span style="color: purple; font-family: "calibri" , sans-serif; font-size: large;"><b><i><br /></i></b></span><span style="font-family: "calibri" , sans-serif;"><span style="font-size: 14pt;">
1. Cancel all Money </span><span style="font-size: 18.6667px;">Leakages</span><span style="font-size: 14pt;"> like
unwanted subscription, multiple SIM cards, etc<o:p></o:p></span></span></span></div>
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<span style="font-family: "calibri" , sans-serif; font-size: 14.0pt; line-height: 107%;">2.
Automate Savings and Payments, be it
your SIP investments, Rds, etc. This makes sure you do not miss out on your
payments and savings. <o:p></o:p></span></div>
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<span style="font-family: "calibri" , sans-serif; font-size: 14.0pt; line-height: 107%;">3. Get
rid of all debts gradually starting with the High Interest Ones like the Credit
Card Bills, etc<o:p></o:p></span></div>
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<span style="font-family: "calibri" , sans-serif; font-size: 14.0pt; line-height: 107%;">4. If your
finances do allow, make use of the Market Fall and increase your SIP and in
fact, invest Lumpsum over and above the SIP amount. <o:p></o:p></span></div>
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<span style="font-family: "calibri" , sans-serif; font-size: 14.0pt; line-height: 107%;">5. If
your Asset Allocation and Risk Profile allow, shift some part of your Debt money into Equities.</span><br />
<span style="font-family: "times new roman" , serif; font-size: 13.5pt; text-indent: -0.25in;"><span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"><br /></span></span>
<br />
<div style="text-indent: 0px;">
<span style="text-indent: -0.25in;"><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-family: "calibri" , sans-serif;"><span style="font-size: large;">6 </span><span style="font-size: 18.6667px;"> </span></span></span></span><span style="font-family: "times new roman" , serif; text-indent: -0.25in;"><b><u><span style="font-size: large;">Save more!</span></u></b></span></div>
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<span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><span style="color: blue;">
Save more ? In these tough times…No..I’m not crazy…<br />
Just look at your spending for the last 6 months and from March 15<sup>th</sup>
till now….you will be pleasantly surprised to see that you would have spend (on
an average) at <b>least 40% LESS than your normal spending. </b><br />
All your unwanted spending like Movies, Hotels, Malls, Travel is all curtailed. <br />
Okay…..some percentage maybe inevitable but still at least 25% CAN be saved. <br />It just proves how much MORE you can save. Isnt it?<br />
Go ahead and SAVE IT. <br />
Increase your Emergency Fund Corpus<br />
Increase your Health Insurance cover<br />
and of course, route the savings to Equity Mutual Fund and make sure that you
just </span><b><i><span style="color: #073763;">DON’T RETIRE RICH BUT F.I.R.E & RETIRE WEALTHY. </span></i></b><o:p></o:p></span><br />
<span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><b><i><span style="color: #073763;"><br /></span></i></b></span>
<span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><b><i><span style="color: #073763;"><br /></span></i></b></span></div>
<span style="font-family: "calibri" , sans-serif; font-size: 14.0pt; line-height: 107%;">
</span><br />
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<span style="font-family: "times new roman" , serif; font-size: 13.5pt;">No…I am not promoting mutual funds or stock
markets, but it’s a hard fact that Equities (Business) is the best asset class
to create True Wealth and this could well be one of the best times ever to
invest and create Big Wealth. <o:p></o:p></span></div>
</div>
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<em><span style="font-family: "calibri" , sans-serif; line-height: 107%;"><b><span style="color: purple; font-size: large;">FINALLY,
</span></b><span style="font-size: 14pt;"><o:p></o:p></span></span></em></div>
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<span style="background: white; font-family: , serif; font-size: 14pt; line-height: 107%;">It
has been proved beyond doubt so many times that the investments should be HELD
and infact investments INCREASED during challenging times. <br />
If not, the Paper loss, will become PERMANENT loss. </span><span style="background: white; font-family: "proxima-nova" , serif; font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<i><span style="background: rgb(255 , 244 , 245); font-family: "georgia" , serif; font-size: 11.5pt; line-height: 107%;">DO NOT PANIC AND
TAKE ANY DRASTIC DECISION.<br />
LOOK AFTER YOURSELVES, not just physically but emotionally and psychologically.</span></i><span style="background: white; font-family: "proxima-nova" , serif; font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<i><span style="color: blue; font-size: large;"><span style="background: white; font-family: , serif; line-height: 107%;">Raat
Bhar Ka hia mehman andhera</span><span style="background: white; font-family: , serif; line-height: 107%;"><o:p></o:p></span></span></i></div>
<br />
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<i><span style="color: blue; font-size: large;"><span style="background: white; font-family: , serif; line-height: 107%;"><br /></span></span></i></div>
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<span style="background: white; font-family: , serif; line-height: 107%;"><i><span style="color: blue; font-size: large;">Kiske
roke ruka hai savera</span></i></span><span style="background: white; font-family: "proxima-nova" , serif; font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<span style="background: white; font-family: , serif; font-size: 14pt; line-height: 107%;"><br />
The Rise of MORNING SUN is guaranteed even after the darkest of Nights. <br />
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<span style="background: white; font-family: , serif; font-size: 14pt; line-height: 107%;">All
the best, <br />
Srikanth Matrubai</span><span style="background: white; font-family: "proxima-nova" , serif; font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<br />
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com1tag:blogger.com,1999:blog-7356000555807271634.post-56700180952857052562020-04-02T13:04:00.001+05:302020-04-03T12:15:50.994+05:30HOW TO GET OUT OF FINANCIAL MESS.....CORONA SE DARO NA - PART 4 ....<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://1.bp.blogspot.com/-pBVdVhDW74A/XoWU65iQY9I/AAAAAAAAJMc/vGLXrE-tfVQuDmnx0Bk7-DzAdEYXnksqACLcBGAsYHQ/s1600/CORONA%2BMESS%2B1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="450" data-original-width="938" height="306" src="https://1.bp.blogspot.com/-pBVdVhDW74A/XoWU65iQY9I/AAAAAAAAJMc/vGLXrE-tfVQuDmnx0Bk7-DzAdEYXnksqACLcBGAsYHQ/s640/CORONA%2BMESS%2B1.jpg" width="640" /></a></div>
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Shanti Kumari was working from home for the past 2 months.
This was even before the Coronovirus pandemic hit the World. <br />
Last week, out of blue, she got an email that since her company’s business has
slowed down, they did not need her services anymore. <br />
Just last week, her husband, Rohit, who worked as Cashier in a local Darshini
told her that his hotel has removed 6 workers and his boss has already that
either you take 50% pay cut or look for another job. <o:p></o:p></div>
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This was a SIXER from both ends. <br />
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Even though we are healthy, almost everyone has been hit
hard by the coronavirus with regard to Finances. <o:p></o:p></div>
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It has spared no one. This is truly unprecedented. <br />
Almost all types of workers and employees are either working from home or have
no work at all as their offices/factories are closed. <o:p></o:p></div>
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Nobody knows for sure when it will be safe to open offices,
factories, shops again. <o:p></o:p></div>
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India has come to standstill. <o:p></o:p></div>
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The biggest casualty has been the Workers who get paid in
hourly or daily basis. <o:p></o:p></div>
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<br />
First thing you should do is <o:p></o:p></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]-->1.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: large;">1. </span></span><span style="color: purple;"><b>DO NOT PANIC AND TAKE ANY DRASTIC DECISION. </b></span><br />
This pandemic has affected not just you but the entire World and hence you are
not alone who is suffering this pain. Do not get emotional and take rash
decision which could affect your finances in a massive way. Be calm and take
action only after considering all scenarios. Preferably consult your Financial
Advisor and/or your Well wishers. <o:p></o:p></div>
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The good news is that Govt is trying to help in its own
ways. <o:p></o:p></div>
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<!--[if !supportLists]-->2.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></div>
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<br /></div>
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<!--[endif]--><a href="https://1.bp.blogspot.com/-dIdV-y8iKbM/XoWU68rLFqI/AAAAAAAAJMY/cHsVd0EcrXcqlwWcbMFawEWaV5K_yTBUQCLcBGAsYHQ/s1600/CORONA%2BMESS%2B3.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="464" data-original-width="620" height="298" src="https://1.bp.blogspot.com/-dIdV-y8iKbM/XoWU68rLFqI/AAAAAAAAJMY/cHsVd0EcrXcqlwWcbMFawEWaV5K_yTBUQCLcBGAsYHQ/s400/CORONA%2BMESS%2B3.jpg" width="400" /></a><span style="font-size: large;"> 2. </span>The next thing you must do is <span style="color: purple;"><b>LOOK AFTER
YOURSELVES</b>, </span>not just physically but emotionally and psychologically. <br />
It is natural to get depressed and be down on energy and lack appetite in these
circumstances. Be why focus on things which you cannot control. <br />
The only thing in your control right now is your HEALTH. Focus on what you can
control and do that effectively. Avoid alcohol, sugary food, etc. <o:p></o:p></div>
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<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]-->3.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: large;">3. </span><span style="color: purple;"><b>DO NOT SELL FAMILY SILVER</b></span></span>Instead of selling off your prized assets,
consider alternatives. <br />
You can take loan on your Investments, You can take loan on your Insurance,
even on your PPF. <br />
check all alternatives. Only if its inevitable only then you should consider
selling your Blue chip shares or other prized assets. <o:p></o:p></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]-->4.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="color: purple; font-size: large;"><b>4. </b></span><span style="color: purple;"><b>DO NOT SKIP PAYMENTS</b></span><br /><span style="font-size: xx-small;"> </span></span><!--[endif]-->DELAY payment of bills and loans, wherever possible.
There is no shame in delaying payments when you are facing a crises. DO NOT COMPLETELY
STOP making the payment. Consider making part payment. Talk to your creditors.
Tell them about your situation. <br />
Since they too are aware of this situation, they could consider giving you relief.
Make use of that. <br />
Even some landlords are flexible when it comes to collecting rents. <o:p></o:p></div>
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If the situation is truly bad, do not worry
about your credit rating and delay the payments. <br />
Most importantly, if the situation turns desperate, do make use of the RBI MORATORIUM. <o:p></o:p></div>
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<!--[if !supportLists]-->5.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: large;"><b>5. </b></span><br /><span style="font-size: xx-small;"> </span></span><!--[endif]--><b><span style="color: purple;">Build an Emergency Fund</span></b>. Yes…its too late to
save for this emergency but its not late to create an Emergency BUDGET based on
your reduced level of income. Start with MOST important expenses like Food,
Medical costs, etc which are uncompromisable. And gradually scale up. Eliminate
all unwanted and non-need expenses without mercy. <br />
But if you do have an Emergency fund as recommended by me innumerable times, it
will be NECTOR in these troubled times. <br />
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<a href="https://1.bp.blogspot.com/-vI0ZtPGclwA/XoWU6xcuCBI/AAAAAAAAJMU/XeSdz0KSkLEzui5GXgWnc9_hUVoIM-K6gCLcBGAsYHQ/s1600/CORONA%2BMESS%2B2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1200" height="240" src="https://1.bp.blogspot.com/-vI0ZtPGclwA/XoWU6xcuCBI/AAAAAAAAJMU/XeSdz0KSkLEzui5GXgWnc9_hUVoIM-K6gCLcBGAsYHQ/s320/CORONA%2BMESS%2B2.jpg" width="320" /></a></div>
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<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: large;"> 6.<br /><span style="color: purple;"><b>REDUCE YOUR EXPENSES</b></span></span></span><!--[endif]--><br />Do remember that due to this LOCKDOWN, many
number of expenses have reduced and even eliminated (Going out for <b>food, movies,
travel</b>, etc) .<br />Yes....maybe vegetables prices may have increased but these are mainly due to supply constraints and things will be back to normal once lockdown ends.<br /><br />You would have not got a list of <b>NEEDS & COMFORTS</b>Be unrelenting and ruthless in removing unwanted expenses.<br />This the best chance for you to reduce your expenses permanently.<br />And since you do have lot of
time at your disposal, consider reducing some more expenses like saving on
Groceries by CLEANING out your Fridge, freezer, pantry, etc . do your clothes
ironing yourself, etc<br />
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<!--[if !supportLists]-->7.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: large;">7.<br /><b><span style="color: purple;">LEARN SOMETHING NEW</span></b></span></span><!--[endif]-->Since you do have lot of time at your disposal,
seriously consider learning new ways of earning income. <br />
Improve your skill set so that you can earn more. <br />
Consider learning a new technology or skill. <br />
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<!--[endif]--><o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: large;"> 8. <span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><br /></span><!--[endif]--><b><span style="color: purple;">Do not hesitate to take part time job. </span></b></span><br />
Even in this pandemic there are job opportunities for Delivery Boys, Pharma
companies, Grocery stores, etc. <br />
Talk to them and offer your services. You could be lucky and get a decent pay. <br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]-->9.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: large;">9. </span></span><!--[endif]--><b><span style="color: purple; font-size: large;">Connect with friends and loved ones. </span></b><br />
This will not only keep in happy shape mentally but also could help in form of
finances (in extreme cases). And if push comes to a shove, do not hesitate to
take help from them to tide over the crises. There is no SHAME in asking for
help from those you trust and believe in. <o:p></o:p></div>
<div class="MsoListParagraphCxSpLast">
<br />
<br />
FINALLY, <br />
Do note that like all crises that have hit humanity, even this pandemic will be
won over soon. The challenge is to make sure that you do not fall into a FINANCIAL
BLACK HOLE. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<o:p><br /></o:p></div>
<div class="MsoNormal">
<o:p>In a nutshell, </o:p></div>
<div class="MsoListParagraphCxSpFirst">
<i>DO NOT PANIC AND TAKE ANY DRASTIC DECISION. <br />
LOOK AFTER YOURSELVES, not just physically but emotionally and psychologically.
<br />
Instead of selling off your prized assets, consider alternatives.<o:p></o:p></i></div>
<br />
<div class="MsoListParagraphCxSpLast">
<i>There is no shame in delaying payments (rbi
emi)<br />
budgeting<br />
Consider learning a new technology or skill.</i><o:p></o:p></div>
<br />
<br />
Regards,<br />
Srikanth Matrubai<br />
<br />
<br />
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com2tag:blogger.com,1999:blog-7356000555807271634.post-75853554903585471862020-03-30T20:34:00.001+05:302020-04-07T15:01:12.859+05:30EMI HOLIDAY BY RBI – BEWARE - YOU COULD GET TRAPPED !<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
<span style="font-family: "poppins";">RBI’S MORATORIUM ON EMI COULD LEAD YOU INTO A TRAP</span></div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
Greetings,<br />
The CORONA Pandemic impact has forced RBI to step in to offer relief to borrowers who obviously are facing huge Liquidity crunch.</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
RBI has ALLOWED Banks and Financial Institutions to provide a moratorium of 3 months to all TERM LOAN Borrowers.</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
RBI has clarified that the Credit Score of the borrowers will not get impacted due to Moratorium.</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
<span style="font-family: poppins;"><b>Dont be under the false assumption that pausing your HOME LOAN EMI for 3 months will mean that your LOAN TENURE will also get extended by 3 months. </b></span></div>
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
<span style="font-family: poppins;"><b>As shown in the image, it can get extended by as much as 10 months!</b></span></div>
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
<span style="font-family: poppins;"><b>A huge price for the comfort of 3 months. </b></span></div>
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
<span style="font-family: poppins;"><b><br /></b></span></div>
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
<a href="https://1.bp.blogspot.com/-03Exrm1GYWM/XoWt2SosquI/AAAAAAAAJMw/iOXSoCTeO6UJHgs_4CPiQlUVz6ZuzvYNgCLcBGAsYHQ/s1600/emi%2Bdeferrment.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="507" data-original-width="1359" height="238" src="https://1.bp.blogspot.com/-03Exrm1GYWM/XoWt2SosquI/AAAAAAAAJMw/iOXSoCTeO6UJHgs_4CPiQlUVz6ZuzvYNgCLcBGAsYHQ/s640/emi%2Bdeferrment.png" width="640" /></a></div>
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
<br /></div>
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
Lets get more details</div>
<div style="color: black; font-family: "Times New Roman"; font-size: medium;">
<br /></div>
</div>
<ol style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.5em; padding: 0px 0px 0px 2em;">
<li style="box-sizing: inherit;"><strong style="box-sizing: inherit;">IS THIS A WAIVER OF LOAN?</strong></li>
</ol>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
No…This is not a waiver of Loan…its just a sort of <em style="box-sizing: inherit;">EMI HOLIDAY.</em><br />
Please understand, Moratorium means DEFERMENT. So, suppose your loan was supposed to end in June 2021, it will now end in September 2021 (3 months postponement).</div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<ul style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.5em; padding: 0px 0px 0px 20px;">
<li style="box-sizing: inherit;"><strong style="box-sizing: inherit;">Will my CREDIT CARD dues be deferred?</strong><br style="box-sizing: inherit;" />Yes. That can be deferred. But, don’t forget the INTEREST!<br style="box-sizing: inherit;" />You will be charged interest for the 3 months and you do know the Interest that Credit card companies charge !!!! </li>
<li style="box-sizing: inherit;"><strong style="box-sizing: inherit;">My EMI gets deducted by ECS every month…. So in April will there be no deduction ?</strong><br style="box-sizing: inherit;" />There could be!!!!<br style="box-sizing: inherit;" />Note….RBI has not “Instructed” but only “Allowed” the Banks to give this 3 month EMI Holiday. It’s up to the Bank to give or not..<br style="box-sizing: inherit;" />Hence you need to request the bank for the deferment</li>
<li style="box-sizing: inherit;"><strong style="box-sizing: inherit;">Is my HOME LOAN covered for deferment?</strong><br style="box-sizing: inherit;" />Yes. All types of Term Loans are covered for deferment.<br style="box-sizing: inherit;" />Home Loan, Education Loan, Car Loan, even BUSINESS LOAN is covered.<br style="box-sizing: inherit;" />But, make sure to contact your Bank and request for deferment</li>
<li style="box-sizing: inherit;"><strong style="box-sizing: inherit;">My loan is not with any Bank but with a NBFC. Am I eligible?</strong><br style="box-sizing: inherit;" />Yes. Indeed, you are. RBI has very clearly mentioned that it has ALLOWED all Banks and Financial Institutions to grant EMI Holiday based on their discretion.</li>
</ul>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
So, NBFCs like Bajaj Finance, IndiaBulls Fiinance, etc are also eligible for this.</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
</div>
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</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
</div>
<ul style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.5em; padding: 0px 0px 0px 20px;">
<li style="box-sizing: inherit;"><strong style="box-sizing: inherit;"><em style="box-sizing: inherit;">It looks like a huge benefit to me!</em></strong></li>
</ul>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
Not exactly. The interest is not waived off…. It will continue to get accumulated and you will have to pay the EMI Holiday 3 months interest too immediately after the 3 months of Moratorium !!<br />
<br />
<br /></div>
<div style="background-color: white; box-sizing: inherit; margin-bottom: 21px;">
<div style="color: #333333; font-family: poppins; font-size: 16px;">
<strong style="box-sizing: inherit;">FINALLY,</strong></div>
<br />
<span style="font-family: poppins;"><b><br /></b></span>
<span style="font-family: poppins;"><b><br /></b></span>
<div style="font-family: poppins; font-size: 16px;">
<span style="color: #333333;">Please understand that a moratorium only leads to POSTPONEMENT of your EMI payments and not Waiver as such. </span></div>
<div style="font-family: poppins; font-size: 16px;">
<span style="color: #333333;">And the postponement will </span><b><span style="color: purple;">INCLUDE INTEREST FOR THE POSTPONED PERIOD. </span></b></div>
<div style="font-family: poppins; font-size: 16px;">
<span style="color: #333333;">Hence, use it only under Exceptional Circumstances. </span></div>
<div style="color: #333333; font-family: poppins; font-size: 16px;">
If your financial position allows you the luxury of continuing with paying the EMI. Go ahead and do make the payment.</div>
<div style="color: #333333; font-family: poppins; font-size: 16px;">
This will help you reduce your debt burden. And also, in case you need, fresh loans will be easy based on your payment history.</div>
</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
And if you have credit card…. <em style="box-sizing: inherit;">PLEASE PAY THE DUES</em>….don’t extend it.</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
<strong style="box-sizing: inherit;">Credit card companies charge a compound annual interest rate of anywhere between 36% to 42%.</strong></div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
Moreover, credit card interest gets charged an additional 18% GST</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
I would rather say that this EMI HOLIDAY is a TRAP as it increase your INTEREST OUTGO and keep you in EMI JAIL for further 3 months.</div>
<div style="background-color: white; box-sizing: inherit; margin-bottom: 21px;">
<div style="color: #333333; font-family: poppins; font-size: 16px;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-dWTalC6_nPs/XoIKTw9b9uI/AAAAAAAAJK0/gCj1uV2sQ3MwApI7WdzpC14_3uoCvHAyQCLcBGAsYHQ/s1600/rbi%2Bemi1.png" imageanchor="1" style="font-style: italic; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="243" data-original-width="412" height="376" src="https://1.bp.blogspot.com/-dWTalC6_nPs/XoIKTw9b9uI/AAAAAAAAJK0/gCj1uV2sQ3MwApI7WdzpC14_3uoCvHAyQCLcBGAsYHQ/s640/rbi%2Bemi1.png" width="640" /></a></div>
<br /></div>
<span style="font-family: "poppins";"><span style="color: #333333;">Even for </span><b><u><span style="color: purple; font-size: large;">Home Loan</span></u></b><span style="color: #333333;">...the EMI Holiday could become a trap in the sense, it increases your burden considerably. </span></span><br />
<span style="color: #333333; font-family: "poppins";">To illustrate....</span><br />
<span style="color: #333333; font-family: "poppins";">Suppose </span><br />
<span style="color: blue; font-family: "poppins";"><i>Home Loan = 50 lakhs</i></span><br />
<span style="color: blue; font-family: "poppins";"><i>Rate of Interest = 8.5%</i></span><br />
<span style="color: blue; font-family: "poppins";"><i>3 months Moretorium period</i></span><br />
<span style="color: blue; font-family: "poppins";"><i>Additional interest will be</i></span><br />
<span style="color: blue; font-family: "poppins";"><i>50 lakhs *8.5%*3/12 = 1.06 lakhs</i></span><br />
<span style="color: purple; font-family: "poppins"; font-size: large;"><b>Your additional burden will be Rs.1,06,000/-</b></span></div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
Avoid….unless you don’t have an alternative.</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
Regards,</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
Srikanth Matrubai<br />
<br />
<br />
<br /></div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
<i>Srikanth Matrubai Author of the Amazon Best Seller <strong style="box-sizing: inherit;">DON’T RETIRE RICH</strong></i></div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
<em style="box-sizing: inherit;">Do read my book DON’T RETIRE RICH . </em><br />
<i>Kindle version<span style="box-sizing: inherit;"> https://amzn.to/2QRnjNY</span></i><br />
<i>Paper back version : <span style="box-sizing: inherit;"><a href="https://amzn.to/3cHUM6M" style="background-color: transparent; box-sizing: inherit; color: #dd2323; text-decoration-line: none;">https://amzn.to/3cHUM6M/</a> </span></i><br />
<i>The book is available on Amazon, Kindle, Flipkart</i><em style="box-sizing: inherit;"></em></div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
</div>
<div style="background-color: white; box-sizing: inherit; color: #333333; font-family: Poppins; font-size: 16px; margin-bottom: 21px;">
<em style="box-sizing: inherit;">Please subscribe to my TELEGRAM channel <a href="https://t.me/MutualFundWORLD//" style="background-color: transparent; box-sizing: inherit; color: #dd2323; text-decoration-line: none;">https://t.me/MutualFundWORLD/</a></em></div>
<div class="separator" style="clear: both; text-align: center;">
<em style="box-sizing: inherit;"><a href="https://t.me/MutualFundWORLD//" style="background-color: transparent; box-sizing: inherit; color: #dd2323; text-decoration-line: none;"><br /></a></em><a href="https://1.bp.blogspot.com/-Fi7aM0VWthA/XomsOIi5wLI/AAAAAAAAJNY/AqwtpjEDwPgQpMGS6EVonpEWC0yhAJPbgCLcBGAsYHQ/s1600/Interest%2Breduced.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="920" data-original-width="1125" height="522" src="https://1.bp.blogspot.com/-Fi7aM0VWthA/XomsOIi5wLI/AAAAAAAAJNY/AqwtpjEDwPgQpMGS6EVonpEWC0yhAJPbgCLcBGAsYHQ/s640/Interest%2Breduced.jpg" width="640" /></a></div>
<br />
<br />
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a>
You can purchase the book on amazon and flipkart
Please subscribe to my TELEGRAM channel
<a href="https://t.me/MutualFundWORLD//" target="_blank">https://t.me/MutualFundWORLD/</a></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-51401878756389003372020-03-28T10:14:00.000+05:302020-03-28T10:14:13.498+05:30CARONA SE DARO NA - 3 BACK TO THE BASICS <div dir="ltr" style="text-align: left;" trbidi="on">
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<br /></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-vmxsO2E5jE0/Xn7VnDc6mQI/AAAAAAAAJKU/ERhFWMpMNwc5DxA2ncZuF0jnlEMcgZdcwCLcBGAsYHQ/s1600/corona%2B1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1136" data-original-width="920" height="640" src="https://1.bp.blogspot.com/-vmxsO2E5jE0/Xn7VnDc6mQI/AAAAAAAAJKU/ERhFWMpMNwc5DxA2ncZuF0jnlEMcgZdcwCLcBGAsYHQ/s640/corona%2B1.jpg" width="518" /></a></div>
<span style="font-size: 14.0pt; line-height: 107%;">Greetings, </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br />
Hope you are all safe in the confines of your home. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">The <b>CORONA</b>
virus is spreading across the Globe. What started as a <i>“Chinese” </i>problem has
quickly capitulated into a “Global” problem. <br />
Its something which hasn’t been seen by anyone alive till now. </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br />
We have only HEARD but never seen. </span><br />
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span>
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="line-height: 107%;"><b><u><span style="color: purple; font-size: large;">TRULY A BLACK SWAN EVENT !!</span></u></b></span><br />
<span style="line-height: 107%;"><span style="color: purple; font-size: large;"><b><u><br /></u></b></span></span>
<span style="line-height: 107%;"><a href="https://1.bp.blogspot.com/-gvZz5sNE_rw/Xn7VmjpxkqI/AAAAAAAAJKM/8YZb6diBFy4xnjC3lBMEYUkl0fL6yVLOACLcBGAsYHQ/s1600/bLACK%2BSWAN.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="731" data-original-width="1280" height="227" src="https://1.bp.blogspot.com/-gvZz5sNE_rw/Xn7VmjpxkqI/AAAAAAAAJKM/8YZb6diBFy4xnjC3lBMEYUkl0fL6yVLOACLcBGAsYHQ/s400/bLACK%2BSWAN.jpg" width="400" /></a><span style="color: purple; font-size: large;"><b><u><br /></u></b></span><span style="font-size: 14pt;"><br />
</span></span><br />
<span style="line-height: 107%;"><span style="font-size: 14pt;"><br /></span></span>
<span style="line-height: 107%;"><span style="font-size: 14pt;"><br /></span></span>
<span style="line-height: 107%;"><span style="font-size: 14pt;">The unprecedented chaos, Worldwide Lock-down, has sent economies into a shock. </span><br /><span style="font-size: 14pt;">
Its now LIFE first…”</span><i style="font-size: 14pt;"><span style="font-family: "times" , "times new roman" , serif;">If we survive, we will think of money</span></i><span style="font-size: 14pt;">”.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">It took less
than 2 months for Humans to get into the mindset of </span><span style="line-height: 107%;"><span style="font-size: large;"><b>MONEY IS NOT EVERYTHING.</b></span></span><span style="font-size: 14.0pt; line-height: 107%;"> It
can wait. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Even
Olympics has been postponed (It was inevitable given the terrifying devastation
that’s going around the World). <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">These events
has proved yet again…..<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 14.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">1.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-size: 14.0pt; line-height: 107%;"><u>THERE IS NO STOCK MARKET GENIUS</u><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-size: 14.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">2.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-size: 14.0pt; line-height: 107%;">You cannot time the Market<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
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<br /></div>
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<i><span style="font-size: 14.0pt; line-height: 107%;"><span style="font-family: "times" , "times new roman" , serif;">So, is there anything at all which is like a light at the end
of tunnel ?</span><o:p></o:p></span></i></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br />
Nothing, as of now…<br />
However, what this shocking turn of events has however, proved that the Good
Old <b><u>SIP</u></b> is still the best way to invest in the Stock Markets.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">We all know, how it buys LESS units when markets are high and most
importantly, buy you MORE UNITS in falling
markets (and huge number of units in these kind of falls) and helps us EARN<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">The humble SYSTEMATIC INVESTMENT PLAN (SIP) is the true blue MARKET TIMER.
<br />
Its buy low and sells high. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Markets have fallen earlier but not at this velocity. <br />
Its has been ferocious, sharp and terrifying to say the least. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
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<b><u><span style="line-height: 107%;"><span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;">Just stick to BASICS.</span></span></u></b><span style="line-height: 107%;"><span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"> </span></span></div>
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<span style="line-height: 107%;"><span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"><br /></span><span style="font-size: 14pt;">
1. Don’t try to be either overcautious or over adventurous. </span><br /><span style="font-size: 14pt;"><b>
Do not SELL at these prices</b> and turn your paper loss into permanent loss <o:p></o:p></span></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">And at the same time, do not jump and start ramping equity by putting
your entire 100% at one go. <o:p></o:p></span></div>
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<br /></div>
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<span style="font-size: 14.0pt; line-height: 107%;">2 <b>Stick to Asset Allocation</b>. Don’t go overboard on debt or equity or any
asset class for that matter. <br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="line-height: 107%;"><span style="font-size: 14pt;">3.</span><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"><span style="font-size: large;">3. </span></span></span><span style="font-size: 14.0pt; line-height: 107%;"><b>Focus on YOUR GOALS. </b><br />
If your Goal is 5 years away….no need for you to tinker with your equity
investments. If your goal is less than 2 years….strongly stay in Debt/arbitrage.
Don’t become adventurous and invest in Equity to make some quick money. <o:p></o:p></span></div>
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<br /></div>
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<br /></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Yes…we do encourage you to look at investing some part of surplus money
you have as LUMP-SUM and at the same time, we strongly recommend that you take
an Expert’s advise. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><i>Is this the bottom ?</i> </span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">It may not be so but it definitely is close to
bottom is the majority of Experts feeling. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Once the vaccine is found for CORONA, (which is inevitable), sooner or
later, the markets should start its Upward journey and it could be well like a
Hockey stick graph upward. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Many MNCs are already thinking and moving towards closing their
facilities in China and setting them up in India. A huge positive for India. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">The stimulus package announced by Govt across the World and in India too
has shown that the Governments are ready to help businesses stand up quickly on
their feet and start running. Very good sign. <o:p></o:p></span></div>
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<br /></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Don’t forget..<o:p></o:p></span></div>
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<b><i><span style="font-size: 14.0pt; line-height: 107%;">“<span style="color: purple;">ALL BEAR MARKETS HAVE ONE THING IN COMMON…….THEY END</span>” !!<br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><o:p></o:p></span></i></b></div>
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<span style="font-size: 14.0pt; line-height: 107%;">We urge you to stay safe.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Spend time with family. <br />
Meditate. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Read books (my recommendation would be DON’T RETIRE RICH !!) <o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">BTW, <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">My SIPs are continuing and I did do so Lumpsum investments too. <o:p></o:p></span></div>
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<br /></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Regards, <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span style="font-size: 14.0pt; line-height: 107%;">Srikanth Matrubai<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast">
<a href="https://1.bp.blogspot.com/-PsJRVYZVlGQ/Xn7Vm-dtCXI/AAAAAAAAJKQ/NlWXUoHtW5Mb9nuy2tbVnr24g7h0-yjxgCLcBGAsYHQ/s1600/Carona%2B2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1156" data-original-width="917" height="640" src="https://1.bp.blogspot.com/-PsJRVYZVlGQ/Xn7Vm-dtCXI/AAAAAAAAJKQ/NlWXUoHtW5Mb9nuy2tbVnr24g7h0-yjxgCLcBGAsYHQ/s640/Carona%2B2.jpg" width="505" /></a></div>
<br />
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-34868984952950921492020-03-21T16:26:00.004+05:302020-03-21T19:20:26.103+05:30CORONA SE DARO NA! - PART 2 - Brutal and ferocious <div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: 14.0pt; line-height: 107%;">Greetings, <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">If I had
asked you, dear investors, about a month back </span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">“<i><span style="font-family: "times" , "times new roman" , serif;">What would you feel if you could
buy Indian bluechips like HDFC BANK, ITC, RELIANCE, TCS at 25 % less</span></i>” ?<br />
You would have jumped up from the seat and would have exclaimed “<i><span style="font-family: "times" , "times new roman" , serif;">Oh…I would love
that</span></i>”. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Good Monsoon,
Corporate Rate Cut, Good Liquidity, Interest Rate cut, IIP improving all these
positive things were just about converging to give Good returns to Equity
investors when COVID-19 (Corona Virus) hit like a Tsunami. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Tsunami is
too mild a word as this pandemic has left in its trail brutally devastating
affecting more countries than World War II. And its not even over yet !!!<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Unprecedented
fear and panic gripped investors is evident in the ferocious fall in the
Sensex/Nifty. Not just bad companies,
good companies and even great companies were pretty much thrown away by Panic
stricken investors. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Even <b><span style="background-color: red; color: yellow;">Gold</span></b>
was not spared. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Pretty much
every asset class demolished.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Millennial
investors who had never seen a True Bear Market and were displaying false
bravado on every fall got a real scare and a lesson which I learnt way back in
1992 itself. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Last month’s
dream of 25% fall is now a reality and has actually turned into a nightmare as the
fall has been much more than 25%. The fall has been lethal, lightning quick, ferocious and across
the board where even the Bluest of Blue chips hasn’t been spared. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Many experts
fear that this could lead to World Wide Recession !<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"><b>CORONA is
bigger than 9/11, bigger than 1918 flu pandemic, bigger than the Great
Depression of US. </b><o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">It’s pretty
obvious that many economies across the Globe is affected including India but is
the damage permanent?<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Beyond
Repair?<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Absolutely
Not !!!<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Yes...it
will take time but Humans have seen these kind of disasters before (1918 flu)
and come out stronger. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
<b><u><span style="font-size: 14.0pt; line-height: 107%;">CANNOT
ANTICIPATE FOR UNKNOWN<o:p></o:p></span></u></b></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">In 1942, in
a German unit, there were 104 Tanks. Most sophisticated and technologically
advanced. But, shockingly, right at the time when it was most needed in a
Battle, only 20 were operable. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Engineers
quickly found the issue. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">During weeks
of inactivity, Field Mice has nested inside the vehicles and eaten away
insulation covering the electrical systems. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Germans had
the best equipment but were defeated by...err...mice.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">No engineer
had anticipated this !<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">How could
they ?<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><u><span style="font-size: 14.0pt; line-height: 107%;">EXPERIENCE
SAYS : <o:p></o:p></span></u></b></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">One thing that
I have observed in my 29 years of Stock Market Experience that whenever equities
fall rapidly especially due to a panic or an exaggerated event, the bounce back
has been equally lightning quick. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Being in the
2<sup>nd</sup> stage of the Virus, in about a month’s time, we should be CORONA
VIRUS FREE (just like China is today) and then the bounce could happen. Whether
it will happen immediately, before that or after that is a mere guess but IT
WILL HAPPEN for sure. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">If you have
observed GOLD too has fallen by 15% but when I meet investors and ask about
their view on Gold, they are actually happy Gold has fallen and intend to buy
more. <br />
Why give step-motherly treatment to Equities ?<br />
In fact, history has proved time and again that Equities beat Gold by a fair
distance in all time frames across geographies. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">The accompanying
graphs shows how the Markets have always bounced back and that too with renewed
vigor. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;"> </span><a href="https://1.bp.blogspot.com/-pjnBlT-vuKg/XnXyBYTJLbI/AAAAAAAAJJE/_5zvk_c86e8rK0o4XVQRNVzAbQRl3-J0wCLcBGAsYHQ/s1600/Correction%2Bimage.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="736" data-original-width="954" height="492" src="https://1.bp.blogspot.com/-pjnBlT-vuKg/XnXyBYTJLbI/AAAAAAAAJJE/_5zvk_c86e8rK0o4XVQRNVzAbQRl3-J0wCLcBGAsYHQ/s640/Correction%2Bimage.png" width="640" /></a><br />
<br />
So apt to remember Baron Rothschild famous advise "The time to buy is when the blood is running in the streets".<br />
The full statement was ...<br />
<b><u>THE TIME TO BUY IS WHEN THE BLOOD IS RUNNING IN THE STREETS.....EVEN IF IT IS THE BLOOD IS YOUR OWN"!!!</u></b><br />
<br />
<br />
<br />
<br />
<br /></div>
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<b><u><span style="font-size: 14.0pt; line-height: 107%;">WHY ARE PROMOTERS
INCREASING STAKE ? !!<o:p></o:p></span></u></b></div>
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<span style="font-size: 14.0pt; line-height: 107%;">The
Promoters of Indian companies seem to know something which we don’t know or
choosing to ignore. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Several of
them are INCREASING their stakes in their companies in this battered time. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">More than
200 company promoters are making full use of the Big fall and buying their own
company shares at rock bottom prices. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">TATAs bought
Rs.569 crores worth of Tata Chemicals<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Rs.457
crores of Tata Steel<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Rs.178
crores of Indian Hotels<o:p></o:p></span></div>
<div class="MsoNormal">
<img height="354" src="https://1.bp.blogspot.com/-53iWgq3MWr0/XnXzXi--eZI/AAAAAAAAJJY/8G_LX5FcGcgIhXLONI6VubZqiXxMM_qpACLcBGAsYHQ/s640/promoter-snip-2.webp" width="640" /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Suzuki has
acquired Rs.135 crores of Maruti Suzuki<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Bajaj family
brought Rs.91 crores of Bajaj Auto<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Rs.50 crores
of Bajaj Holding<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">Rs.36 crores
of Bajaj Finserve<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">All these
purchases by these promoters only goes to prove how much confidence they have
in their company’s growth. Are they foreseeing what we cannot foresee?<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><u><span style="font-size: 14.0pt; line-height: 107%;">WHAT
ABOUT THE GOOD NEWS?</span></u></b><span style="font-size: 14.0pt; line-height: 107%;"><br />
1. Good Monsoon<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">2. Corporate
Rate Cut<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">3. Good
Liquidity<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">4. Interest
Rate Cut<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">5. Improving
IIP<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 14.0pt; line-height: 107%;">It seems
that investors and experts alike have suddenly forgotten all the good news. <br />
But once the tide turns…. the experts themselves will be talking about these
positive points and by that time, the markets may have already zoomed. <o:p></o:p></span></div>
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<b><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">Media in general hardly reports good news.</span><br style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">Many victims are fully recovered and it clearly shows it is not a deadly disease.</span><br style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">If someone is in quarantine, in a couple of weeks time, chance of cure is very high, but this news was not spread!!!</span><br style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">CARONA IS CURABLE.</span></b></div>
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<b><u><span style="font-size: 14.0pt; line-height: 107%;">What
is the way forward for you :</span></u></b><span style="font-size: 14.0pt; line-height: 107%;"> <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Someday soon
all negatives will vanish, some businesses may get disrupted, some businesses
will emerge, some fund managers will identify them too along with the existing good
businesses. We need to stay put, don't jump out of the roller coaster during
the run. Every time these downslides are not the same, some will be steeper
some will be less steep. The more the steep fall the quicker the recovery will
be.<o:p></o:p></span></div>
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<b><u><span style="font-size: 14.0pt; line-height: 107%;"><br />
1. Be Calm.</span></u></b><span style="font-size: 14.0pt; line-height: 107%;"> <br />
I know its difficult when you see your portfolio getting eroded day by day (in
fact, hour by hour) but that’s the best thing to do now. Don’t be tempted to
take action just for the heck of it. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">2.<b> DONT USE LIQUID MONEY FOR EQUITIES : </b></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Do NOT
touch your Emergency Fund for investing into Equities just because they are so
attractively valued. Its time to be intelligent not adventurous. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">3. <b>DO NOT SELL </b><br />If you
are in Cash Crunch, DO NOT SELL your stocks. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Do not
convert your Paper Loss into Real Loss. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">If the
stocks/funds continue to sit there, there is definite potential of capturing
all future growths. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">4.<b> STAGGER YOUR PURCHASES : </b><br />If you do
have spare cash/spare money to invest…do not go FULL HOG right now….Invest
about 25% and stagger your investment. <o:p></o:p></span></div>
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<b><u><span style="font-size: 14.0pt; line-height: 107%;">5. DO
NOT STOP YOUR SIP.</span></u></b><span style="font-size: 14.0pt; line-height: 107%;"> <br />
Don’t make the absolute silly mistake of stopping your sip. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">6.<b> TAKE A LOAN IF REQUIRED : </b><br />If you
have are in Cash Crunch, you can consider taking a Loan on your Stock/Mutual
fund portfolio. <br />
Yes…there are dime a dozen firms that are ready to offer loans at about 50% of
your equity valuation. <br />
And the rates too are quite decent. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"><br />7. <b>SHOW PATIENCE</b> :<br />Never go
for Spectacular. Be Happy with the Slow and Steady Approach. Believe in being
ABOVE AVERAGE In both UP and DOWN markets. That should be enough. <o:p></o:p></span></div>
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<span style="background: #f9f9f9; color: #111111; font-family: "arial" , sans-serif; font-size: 14.0pt; line-height: 107%;">You've heard the old
adage, <i>it's not timing the market, it's time in the market.</i> And at times
like these, it's really important to remember that.</span><span style="font-size: 14.0pt; line-height: 107%;"><o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"> </span><a href="https://1.bp.blogspot.com/-QWpbmxeTS8A/XnXx_yrIF6I/AAAAAAAAJJA/0CKJlaR65potNY_pTCxevthMHnrLWL4xACLcBGAsYHQ/s1600/SrikanthMatrubai91DiversifyEnglish.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1600" data-original-width="1489" height="640" src="https://1.bp.blogspot.com/-QWpbmxeTS8A/XnXx_yrIF6I/AAAAAAAAJJA/0CKJlaR65potNY_pTCxevthMHnrLWL4xACLcBGAsYHQ/s640/SrikanthMatrubai91DiversifyEnglish.jpg" width="594" /></a></div>
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<b><u><span style="font-size: 14.0pt; line-height: 107%;">BACK
TO BASICS :</span></u></b><span style="font-size: 14.0pt; line-height: 107%;"> <br />
One good thing that these BIG DECLINES do is…it makes us go back to BASICS. <br />
We should never forget the basics. <br />
In the pursuit of new knowledge…. basics tend to get ignored. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">The BEST way
to prevent the spread of the Corona Virus is a simple thing of WASH YOUR HANDS.
<br />
And it’s a Basic hygienic thing to do. <br />
But humans do not like to do simple things. They are awed by Complex ones.<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">And at the
same time, they forget the basics. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">To get back
on track, just follow simple basics. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Wash your
hands to kick out Corona Virus<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Do Asset
Allocation to increase your overall Returns <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;"> BTW, when its equities, be prepared for the
Long Haul !<br />
<br />
Regards, <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 107%;">Srikanth
Matrubai<o:p></o:p></span></div>
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<br /></div>
<br />
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<br /></div>
<br />
Srikanth Matrubai
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b>
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a>
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-48211170226531710172020-03-14T13:23:00.001+05:302020-03-21T16:21:08.220+05:30CORONA SE DARO NA ! Part 1 - Kick out the Carona Fear<div dir="ltr" style="text-align: left;" trbidi="on">
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There are 12 months, 12 Zodiac Signs, 12 gods of Olympus, etc and thus 12 is considered as COMPLETE NUMBER and Number 13 is considered as Unlucky as it comes immediately after 12.<br />
<br />
And on <b>Friday the 13th</b> March 2020, the Black Swan event which we keep fearing has made its entry in the form of <span style="color: red;"><b><u>CORONA VIRUS</u></b> </span>sending the World Markets into a tailspin with almost unprecedented fear and causing extreme panic.<br />
<br />
<img alt="Image shows the first page of the comic." height="225" src="https://www.hindustantimes.com/rf/image_size_960x540/HT/p2/2020/03/13/Pictures/_ae534edc-64f5-11ea-b9c4-de60b7b69f97.PNG" width="400" /><br />
<br />
The Indian Stock Markets have fallen by more than 20% and was still volatile.<br />
<br />
I used the word <b><u>ALMOST</u></b> unprecedented, meaning there were precedence earlier too.<br />
The most prominent one I recall is the <b><u>2008</u></b> Fall.<br />
In that fall, Indices fell by more than <b><u>61% </u></b>and even big institutions toppled over and I would say was much more brutally devastating.<br />
<br />
But, those who held on to their investments had a great fruitful returns.<br />
The quality portfolios giving bigger returns.<br />
People remember the 61% fall, but very few remember the immediate next years returns of 157% positive !!!<br />
In fact, History shows that each BIG FALL year is followed by a BIGGER Gain year !<br />
<br />
<br />
Today, <b><u>March 13th 2020</u></b>, the Stock Markets touched lower circuit on the opening bell and was closed for 45 minutes.<br />
Historically, whenever the markets have touched the Lower Circuits, the returns have been from 15% to 25% within a year.<br />
So, the chances of you getting better return from hereon is much more.<br />
<div>
<br /></div>
<br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"><b><u>CARONA SE DARO....NA !</u></b></span><br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"><b><u><br />
</u></b></span> History is replete with attacks of virus on Humans. And history also tells us that Humans tend to very quickly develop immunity against that virus.<br />
The scientists too are working overtime to tackle the virus.<br />
The solution seems to nearer than ever before.<br />
I think the Coronovirus is over hyped....<br />
I am not at all denying its threat but I am pretty sure the fear is over hyped.<br />
<br />
<br />
Such massive falls have always been swift and sharp catching even experienced investors off guard.<br />
At the same time, the bounce back have always been equally quick.<br />
<br />
<br />
<b><u><span style="color: purple;"><span style="font-size: x-large;">POSITIVES IGNORED :</span> </span></u></b><br />
<b><u><span style="color: purple;"><br /></span></u></b>
There are many positives which has been brushed under the carpet.<br />
1. The fall in Crude and other commodity prices is a huge plus for India helping us control inflation and interest rates.<br />
2. The Forex Reserves are at all time High.<br />
3. The Markets are now at very attractive valuations, especially compared to the last 15-24 months.<br />
4. Nifty Earnings Yield more often than not trades at a good discount to Bond Yield.<br />
Whenever Nifty earnings Yield has exceeded the Bond Yield (its nows exceeding by 45bps), the returns have tended to be huge.<br />
5. Good Monsoon<br />
6. Trailing PE of Nifty is now 23.7<br />
and Market Capt to GDP is ony 68%<br />
<span style="font-size: large;">7. And one more positive thing which many have completely forgotten is the <span style="color: blue;">Reduction in Corporate Tax Rates</span>. </span><br />
<span style="font-size: large;">This rate cut will improve the profit margin of Indian companies resulting in higher EPS and consequently higher stock prices. </span><br />
<div>
<br /></div>
<span style="font-size: large;"></span> <span style="font-size: large;"><br />
</span> <b><u><span style="color: purple; font-size: large;">THE HISTORY OF BIG FALLS & THE BIGGER BOUNCE BACKS : </span></u></b><br />
<b><u><span style="color: purple; font-size: large;"><br />
</span></u></b> Year 1992 - Sensex down by 54% in a year and up by 127% in next 1.5 yrs.<br />
<br />
Year 1996 - 40% down in 4 years and 115% in next year<br />
<br />
Year 2000 - 56% down in my 1.5 years and 138% up next 2.5 years.<br />
<br />
Year 2008 - 61% down in 1 year and 157% up in next 1.5 years<br />
<br />
Year 2010 - 28% down in 1 year and 96% up in next 3 years<br />
<br />
Year 2015 - 22.3% down in 1 Year and 25% up in next 7 months<br />
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<a href="https://1.bp.blogspot.com/-9_dXTDk1Pfc/XmvDLwj9CAI/AAAAAAAAJGw/FU_LFw3gmvkzFP3qaFxb1LTD8Kdl20xfACLcBGAsYHQ/s1600/Correction%2B1.png" imageanchor="1" style="font-weight: 700; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="555" data-original-width="892" height="396" src="https://1.bp.blogspot.com/-9_dXTDk1Pfc/XmvDLwj9CAI/AAAAAAAAJGw/FU_LFw3gmvkzFP3qaFxb1LTD8Kdl20xfACLcBGAsYHQ/s640/Correction%2B1.png" width="640" /></a><br />
<br />
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">EVERYONE TAKES ABOUT THE 2008 FALL</span></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">Many keep asking me....."is this the repeat of 2008 Fall"??</span><br />
<span style="font-family: "verdana" , sans-serif;"><br />
THE SENSEX FELL FROM 20873 ON 8TH JANUARY ALL THE WAY DOWN TO 8160 ON 9TH MARCH 2009</span></div>
<div style="margin-bottom: 0in;">
…<span style="font-family: "verdana" , sans-serif;">..</span></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">..</span></div>
<div style="margin-bottom: 0in;">
…</div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">BUT, IT ROARED BACK TO 21,000 BY 5TH NOVEMBER 2010.</span><br />
<span style="font-family: "verdana" , sans-serif;">It was down by almost 61% but ROARED BY BAY 157%</span><br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;">The Bounce Back is always sharper and BIGGER each time!!!</span><br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"><br />
</span> <span style="font-family: "verdana" , sans-serif;"><a href="https://1.bp.blogspot.com/-vDykuH6-DoI/XmvDL_BmPSI/AAAAAAAAJG0/PnslAZVyvR0ZJk__0ICvr6PmMQsqnb3zwCLcBGAsYHQ/s1600/Correction%2B2.png" imageanchor="1" style="font-family: "Times New Roman"; font-weight: 700; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="559" data-original-width="896" height="398" src="https://1.bp.blogspot.com/-vDykuH6-DoI/XmvDL_BmPSI/AAAAAAAAJG0/PnslAZVyvR0ZJk__0ICvr6PmMQsqnb3zwCLcBGAsYHQ/s640/Correction%2B2.png" width="640" /></a></span><br />
<br />
<span style="font-family: "verdana" , sans-serif;"><br />
</span></div>
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"><b><u>By the way, <span style="font-size: medium;">Mukesh Ambani</span> has last nearly 2.80 lakh crores in the last 3 weeks...</u></b></span><br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"><span style="color: purple;">yes, you read it right about </span><span style="color: blue;"><b><u>28,00,00,00,00,000</u></b> </span></span><span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;">but he is not selling off any of his shares/company assets in panic and THAT'S THE REASON HE IS THE RICHEST (oh sorry, now the 2nd Richest) IN ASIA.</span><br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;">He is absolutely unnerved, calm and going about his business in his usual manner. </span><br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;">Why and how ?</span><br />
<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;">Simple....he is not worried about the day to day variation/volatility but clearly focussed on the LONG TERM WEALTH CREATION. </span><br />
<span style="color: purple;"><span style="font-family: "verdana" , sans-serif; font-size: large;">He is a true follower of <b><u>#DON'T RETIRE RICH</u></b> philosophy</span>. </span><br />
<span style="color: purple;"><br />
</span> <span style="color: purple;">Lets take a cue from him and understand that the portfolio valuation may be showing LESS today but it certainly DOES NOT MEAN WEALTH IS ERODED FOREVER. </span><br />
<span style="color: purple;"><br />
</span> <a href="https://1.bp.blogspot.com/-WxS_12nqPmU/XmvDL_MjHWI/AAAAAAAAJG4/Xc8vfw1Q8B0z6mYRXmAX2cOdY1DLEqlRgCLcBGAsYHQ/s1600/Correction%2B3.png" imageanchor="1" style="font-weight: 700; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="555" data-original-width="894" height="396" src="https://1.bp.blogspot.com/-WxS_12nqPmU/XmvDL_MjHWI/AAAAAAAAJG4/Xc8vfw1Q8B0z6mYRXmAX2cOdY1DLEqlRgCLcBGAsYHQ/s640/Correction%2B3.png" width="640" /></a><br />
<br />
<span style="background-color: white; color: #222222; font-family: "roboto" , "robotodraft" , "helvetica" , "arial" , sans-serif; font-size: 16px;">“Unless you can watch your stock holding decline by 50% without becoming panic-stricken, you should not be in the stock market.” – </span><b style="color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 16px;">Warren Buffet</b><br />
<br />
<br />
<br />
<br />
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<br /></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "arial black" , sans-serif;"><span style="color: purple; font-size: medium;"><u><b>TREAT EQUITY LIKE YOU TREAT LAND AND GOLD</b></u></span></span></div>
<div style="margin-bottom: 0in;">
<br /></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">The biggest issue with Indian Investors that when</span></div>
<ol>
<li><div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">GOLD prices fall, their first reaction is....GOOD.....Now I can buy more</span></div>
</li>
<li><span style="font-family: "verdana" , sans-serif;"><br />
</span></li>
<li><div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">When Land Prices fall, their reaction is ….CHALEGA....I AM HOLDING FOR LONG TERM</span></div>
</li>
</ol>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">But when the same investors's mutual fund or equities fall, their reaction is....</span></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">I<i>S THE END OF STOCK MARKETS....<br />
Has my money gone??<br />
Let me Take out whatever is left!!</i></span></div>
<div style="margin-bottom: 0in;">
<br /></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">When anyone is looking at selling off Real Estate and the land rates have fallen by 30%, their ONLY reaction is.....”W<i>HY SHOULD I SELL NOW?? ITS DOWN BY 30%....i WILL WAIT</i>”<br />
but, the same investor, will not even blink when it comes to selling Equities even at a loss!!</span></div>
<div style="margin-bottom: 0in;">
<h2>
<b>DO NOT ALLOW YOUR NOTIONAL LOSS TO TURN INTO PERMANENT LOSS!!</b></h2>
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<b><br />
</b></div>
<div>
<b><br />
</b></div>
</div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;">History has proven to us that Gold and Real Estate take many many years to recover from a Bearish run and History has also proven to us that Equities take very little time to not only recover but also deliver superior returns than these 2 asset classes.</span></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<b><u>FINALLY, </u></b><br />
<b><span style="color: blue;"><br />
</span></b><b><span style="color: blue;">If your Direction is Right.....you just need to keep on Walking. <br />
There will be stones on the way....you will have to negotiate them and move on.<br />
Dont turn away looking at the number of stones. </span></b><br />
<b><span style="color: blue;"><br />
</span></b> <b><span style="color: blue;">So, when the Direction is right....in this case...our Direction is Wealth Creation and our vehicle also right...that is the EQUITY MUTUAL FUNDS...then there is absolutely no need to keep looking at the NAV on a daily or even a Weekly basis.</span></b><br />
<b><span style="color: blue;"><br />
</span></b> <b><span style="color: blue;"><br />
</span></b> <b><span style="color: blue;"><br />
</span></b> <b><span style="color: blue;">Sometimes it makes great sense to be like an Ostrich and ignore the noise all around.</span></b><br />
<a href="https://1.bp.blogspot.com/-03I5mUib5fo/XmvDOPBLBJI/AAAAAAAAJG8/JyPDOBbGwiAx0ITprtOQ-rnI2zdkSi4BgCLcBGAsYHQ/s1600/Fear%2Band%2BGreed.png" imageanchor="1" style="font-weight: 700; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1512" data-original-width="1143" height="640" src="https://1.bp.blogspot.com/-03I5mUib5fo/XmvDOPBLBJI/AAAAAAAAJG8/JyPDOBbGwiAx0ITprtOQ-rnI2zdkSi4BgCLcBGAsYHQ/s640/Fear%2Band%2BGreed.png" width="482" /></a><br />
<br />
<div>
<br /></div>
<b><u><br />
</u></b>Do not ignore EQUITIES.<br />
<b><span style="color: purple;">Equity still remains the BEST ASSET CLASS to Create True Wealth. </span></b><br />
Yes...its full of fluctuation, volatile and tests your patience but its return generating capacity has never been doubt.<br />
<br />
<br />
Hence, you are strongly recommended to contact a Good Proved Advisor and retire with Freedom...Financial Freedom.<br />
Never, fall into the trap of Direct.<br />
Dont become <span style="color: purple;">PAISA WISE RUPEE FOOLISH</span>.!!!!!!<br />
<br />
Better to pay 1% than to lose sleep over the entire 100% and even be at a situation where you lose the principal itself.<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
We also urge you to read<br />
<br /></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;"><a href="http://www.goodfundsadvisor.in/2017/08/learnings-from-sudden-fall-in-markets.html">http://www.goodfundsadvisor.in/2017/08/learnings-from-sudden-fall-in-markets.html</a></span></div>
<div style="margin-bottom: 0in;">
<br /></div>
<div style="margin-bottom: 0in;">
<span style="font-family: "verdana" , sans-serif;"><a href="http://www.goodfundsadvisor.in/2018/07/markets-at-all-time-high-but-my-mutual.html">http://www.goodfundsadvisor.in/2018/07/markets-at-all-time-high-but-my-mutual.html</a></span></div>
<div style="margin-bottom: 0in;">
<br /></div>
<div style="margin-bottom: 0in;">
<a href="https://www.blogger.com/%3E%3Ca%20href=" http:="" markets-at-all-time-high-but-my-mutual.html="" target="_blank" www.goodfundsadvisor.in=""></a><a font-family:="" href="http://www.goodfundsadvisor.in/2018/07/markets-at-all-time-high-but-my-mutual.html/%3C/a%3E%3C/div%3E%3Cspan%20style=" quot="" sans-serif="" verdana=""></a><a href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html">http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html</a></div>
<div style="margin-bottom: 0in;">
<br /></div>
<br />
<br />
Regards,<br />
Srikanth Matrubai<br />
Author of the Amazon Best Seller <b><u>DON'T RETIRE RICH</u></b><br />
<a a="" href="http://www.goodfundsadvisor.in/2018/07/read-and-understand-this-before.html" http:="" read-and-understand-this-before.html="" target="_blank" www.goodfundsadvisor.in=""></a> <br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon.<br />
<br />
<a href="https://amzn.to/3cHUM6M" target="_blank">https://amzn.to/3cHUM6M/</a></div>
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You can purchase the book on amazon and flipkart<br />
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Please subscribe to my TELEGRAM channel <br />
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-87701842759017250092020-03-08T15:53:00.003+05:302020-03-08T15:53:39.836+05:30WOMEN : HERE'S HOW TO BE FINANCIALLY INDEPEDENT<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<br />
The women of 21st century are equal to men in every aspect and therefore should plan their financial portfolio to have a independent and stable life. Gone are the days, when only asset, where women used to invest was gold.<br />
<br />
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/--K-ZwNa5NBE/XmTDimvIVcI/AAAAAAAAJFY/pqTRhL1QjSUJk9k1z9zRFraG8ifzZCEywCLcBGAsYHQ/s1600/Profit%2BPlus%2BArticle.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1280" data-original-width="1016" height="640" src="https://1.bp.blogspot.com/--K-ZwNa5NBE/XmTDimvIVcI/AAAAAAAAJFY/pqTRhL1QjSUJk9k1z9zRFraG8ifzZCEywCLcBGAsYHQ/s640/Profit%2BPlus%2BArticle.jpg" width="508" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">My Women's Day article published in PROFIT PLUS, Kannada Magazine</td></tr>
</tbody></table>
<br />
Every women should invest in diversified options for her financial fitness and independence. There are various options for women to invest her money like equities, liquid funds, gold bonds, insurance covers, real estate, if possible<br />
<br />
<span style="font-size: large;">1. <b><u><span style="color: purple;">Buy Less Gold Jewellery and rather look at alternate Gold Options. </span></u></b></span><br />
If you are buying Gold Jewellery returns, then the bad news for you is that gold jewellery does not provide recurring returns or interest income, infact it is never sold at a prevailing gold rate, due to additional making charges.<br />
If you like investing in gold, you should go for Sovereign Gold Bonds, Gold ETFs and E-gold as they provide regular interest income, safety and have no making charges unlike jewellery.<br />
<br />
BEST way to invest in Gold is via the <b><u>Sovereign Gold Bonds. </u></b><br />
SGB is a tax-free, risk-free method of buying and accumulating Gold.<br />
In fact, besides the appreciation (whatever) from Gold, you get an additional incentive of 2.5% interest on the Initial Invested Amount.<br />
<br />
<br />
<span style="font-size: large;">2. <b><u><span style="color: purple;">Restrict your urge to shop </span></u></b></span><br />
Women are oftenn tagged as shopaholics.<br />
Going overboard with your shopping spree with readily available plastic money or EMI options can diverge you from being a prudent spender to an extravagant spender. It does not mean that you kill your passion for shopping, but it is essential to draw a line between need and greed for shopping. Of course, one should indulge in the things which give you happiness (shopping could be one of those). But, it is also essential to manage your finances ideally and try to channelize them in a productive saving vehicle<br />
<a href="https://1.bp.blogspot.com/-XXOtjzjIQIw/XmTHI8aK5JI/AAAAAAAAJFk/DaJKghlAl0olnvFd37Me24cpYO6TM5P2wCLcBGAsYHQ/s1600/Women%2B1.webp" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="602" data-original-width="602" height="640" src="https://1.bp.blogspot.com/-XXOtjzjIQIw/XmTHI8aK5JI/AAAAAAAAJFk/DaJKghlAl0olnvFd37Me24cpYO6TM5P2wCLcBGAsYHQ/s640/Women%2B1.webp" width="640" /></a><br />
<br />
<span style="color: purple; font-size: large;"><u><b><br /></b></u></span>
<span style="color: purple; font-size: large;"><u><b>3. Don’t rely solely on your partner for financial actions</b></u></span><br />
Women cook healthy meals, look after the well-being of our family, but they miss out on being financially healthy. This is where a woman has to take charge and be more involved in money matters.<br />
<br />
All in all, it is not just essential but imperative for a woman to be as ‘aware’ about the essence of financial investments and hence making the right financial decisions!<br />
<br />
When finances are concerned, they aren’t as confident and knowledgeable about financial matters as men. This problem persists even as women handle many of their families’ routine money management duties, like paying bills and making many purchasing decisions.Thus, it is important to be financially literate and take an active part in your own and your family’s financial decisions.<br />
You and your spouse make a TEAM and thus your participation is vital and inevitable.<br />
<br />
<br />
<span style="color: purple; font-size: large;"><b><u>4. Diversify your portfolio:</u></b></span><br />
<br />
Diversification of investment portfolio is always recommended by experts. It helps in risk division and get effective returns. This women's day invest in various options like equities, mutual funds, gold bonds, Fixed deposits, PPF savings, insurance plans etc.<br />
<br />
A women does not like saving too much, she loves having cash and buying things herself. But for being an independent and financially rich, she should invest in various options like equity, fixed deposits, PPF, insurance covers, real estate etc<br />
<br />
<br />
Financial control is the biggest tool in your hand. Use it, and use it well.<br />
<br />
<span style="color: purple; font-size: large;"><u><b>5. Instill Financial Displine in your Children too :</b></u></span><br />
Since women tend to more closely connected with kids, its much easier for them to instill the seeds of financial discipline in their children.<br />
Make them aware of the steps involved in operating bank accounts, the pitfalls of wrong investing, etc.<br />
Teach them the importance of Financial Goals and the advantages of starting early.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-6NV63albadw/XmTHJMN-krI/AAAAAAAAJFo/Tmb0qEE6oPUbYh_JPM6hNjtPU4yM_uV5wCLcBGAsYHQ/s1600/Ladies%2Bfirst.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="663" data-original-width="800" height="530" src="https://1.bp.blogspot.com/-6NV63albadw/XmTHJMN-krI/AAAAAAAAJFo/Tmb0qEE6oPUbYh_JPM6hNjtPU4yM_uV5wCLcBGAsYHQ/s640/Ladies%2Bfirst.jpg" width="640" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
FINALLY,<br />Women need to remember that its a matter of fact, that Women tend to LIVE LONGER than men and at some point of time, they HAVE to mange finances on their own.<br />So, the earlier they learn to handle the better.<br /><br />
<br />
<br />
All the best<br />
Srikanth Matrubai<br />
Author of <b><u><span style="color: purple;">DON'T RETIRE RICH </span></u></b><br />
Certified Volatility Coach<br />
<br />
<br />
<br />
<br />
<br />
You can subscribe to my TELEGRAM channel
Become Wealthy by following the habits of what the Wealthy do.
Join my Channel WEALTHY HABITS and change your habits and have only WEALTHY HABITS.
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Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-731729967600623382020-02-25T15:34:00.001+05:302020-02-25T15:34:39.400+05:30Get A Kick Without Blowing Your First Salary: Here’s How<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="background: white; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><i>“I am thinking of starting an EMI with my first salary for an
upcoming apartment. So that, 5 years hence, I will have my own house,</i>” remarked
Bhola to his neighbor Mr. Kent, who is a financial advisor.</span></div>
<div style="background: white; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><br /></span></div>
<div style="background: white; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; vertical-align: baseline;">
<a href="https://1.bp.blogspot.com/-U8IcgmTbMk0/XlTw9SlxRlI/AAAAAAAAJDE/gaCVKpIj_Ngq0cNl3pkdX5QPyLcugwd5wCLcBGAsYHQ/s1600/Salary.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="770" data-original-width="1245" height="394" src="https://1.bp.blogspot.com/-U8IcgmTbMk0/XlTw9SlxRlI/AAAAAAAAJDE/gaCVKpIj_Ngq0cNl3pkdX5QPyLcugwd5wCLcBGAsYHQ/s640/Salary.png" width="640" /></a></div>
<div style="background: white; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; vertical-align: baseline;">
<br /></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“<i>But, you
already have a home, Bhola. What will you do with the new one?</i>” asked Kent. “<i>I
will rent it out and earn from it</i>,” said Bhola, with a sense of pride in his voice. <o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><b>“NO!"</b> nearly screamed Kent. </span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">"<i>Don’t be
stupid. Unless you intend to stay, do not buy a house. Giving for rent is as
good as giving for charity. Otherwise, the house will own you rather than you
owning the house!</i>”<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">Kent continued:
“<i>If you start an EMI and lose your job in between, how will you manage it?
Then, you will have a neither a house nor job. There are other things for you
to set right before thinking of buying a house for investment purpose.”</i><o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><i>“Like?</i>” wondered
Bhola. Kent took a deep breath.<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“<i>Begin with
start paying off your education loans, if any. By the way, you will be getting
tax benefit too on the education loan</i>.”<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">Bhola smiled.
“<i>Thankfully, I have very little loans. Dad helped in cleared most of it for
me</i>”.<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“S<i>ee, Bhola, I
have seen many youths splurging on fancy clothes, restaurants and all kinds of
trivia to show off their new found earning potential. My blood boils when I see
this. The biggest asset you and the youths who land a job in their early
twenties is TIME</i>.”<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“I<i>f you save
just Rs.10000 now for the next 30 years, at 15% you will have
Rs.5.63.crores.For the same Rs.10000, even if you delay by 10 years (which a
majority of earners do), you will be having just Rs.1.32crores – more than 65%
drop!Look at the difference – it’s more than Rs.4.16 crores!Use maximum of your
salary now to save and invest</i>.”<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 0.0001pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">Bhola asked
“<i>But, where do you start</i>?” <br />Kent laughed <i>“Not so soon Bhola, first get some
basic things in order. Start with a <b>Life Insurance </b>to begin with</i>. "</span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“<i>Life Insurance?
But, why? I am not yet married and have no dependents,</i>” a shocked Bhola
reacted. <br />“<i>Yes. Life Insurance. Life Insurance is not just to protect your loved
ones, but is a part of a complete financial plan. Besides, since the premiums
are frozen, it will work out to be very cheap when you buy it early. And, the
biggest advantage once your life is covered is that even if there is some material
change in future the insurance coverage continues. Next comes <b>Health
Insurance</b></i><b>.</b>”<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 0.0001pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">Flexing his
muscles Bhola shot back, “I<i> am fit and very healthy. Do you think I need Health Insurance"</i> ?<o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“<i>Yes, Bhola, you
are young, fit and have a very good lifestyle, but what if there is an accident
or a hospitalization due to depression or overwork or some other reason? Since
you are young and free from any medical complications, the premium will be
lower and you will be given comprehensive coverage compared to the one who is
10 years older than you" </i><o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><i>"But, I am covered by my company's Group Mediclaim" interrupted Bhola. </i></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“<i>Your company
will be covering you under Group Mediclaim. But, then,, the cover
will be generally insufficient and will tend to have lots of limits and
exclusions. And, besides, you never know when your company changes its
insurance coverage policy.</i><o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“<i>Normally, there
will be a waiting period for certain diseases. All these will have to be
covered if you continue with the same insurer for 4 years or so. Besides, of
course, there is tax benefit too!”</i><o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“<i>Next, you never
know when you may lose your job or overshoot your expenses towards a function
in house, an illness forcing you to quit your job, a friend asking for hand
loan, etc. Just like death and taxes, risk is also inevitable. Towards these,
you need to create an emergency fund for yourself."<br /><br />Kent continued.....<o:p></o:p></i></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><i>“Have about 2-3
months of expenses in emergency fund. But, since you have just started earning,
start with a smaller amount and gradually increase this whenever your finances
permit. And, use this fund for emergencies only.<o:p></o:p></i></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><i>“After all this
comes the investment part. Ensure that you save at least 20% of your income. In
fact, since you will have fewer expenses, you should aim for saving a higher
percentage of your income.<o:p></o:p></i></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><i>“If you have
time to do research, regularly keep track of companies, only then consider
direct equities, but otherwise, you are better off investing in mutual funds.
Indian mutual funds have a good track record of consistently beating the
benchmark of Sensex and Nifty. Choose funds wisely and learn where to invest.”</i><o:p></o:p></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">Kent stopped and looked at Bhola, who was jotting down on his Pocket Dairy. </span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><br />Oh....<br />"that looks quite exhaustive to me.....but if you are saying....then it will definitely will be in my benefit. Come lets go ahead. Tell me where to begin" ? Bhola</span></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;"><br /></span></div>
<div style="background: white; box-sizing: border-box; margin: 0in 0in 15pt; vertical-align: baseline;">
<span style="color: #34495e; font-family: "Lato",sans-serif;">“As they say,
<b><u>‘well begun is half done.’”</u></b><o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: x-small;"><o:p>This article of mine was first published in BankBazar blog<br /> </o:p><a href="https://blog.bankbazaar.com/get-a-kick-without-blowing-your-first-salary-heres-how/">https://blog.bankbazaar.com/get-a-kick-without-blowing-your-first-salary-heres-how/</a></span></div>
<br />
<span style="font-size: x-small;"><br /></span>
<span style="font-size: x-small;"><br /></span>
<span style="font-size: x-small;">You can subscribe to my TELEGRAM channel
Become Wealthy by following the habits of what the Wealthy do.
Join my Channel WEALTHY HABITS and change your habits and have only WEALTHY HABITS.
http://t.me/joinchat/AAAAAEh49fBN2bkUQnFKIQ
If you have already downloaded Telegram App just type https://t.me/WealthyHabits and JOIN
</span></div>
Srikanth Matrubaihttp://www.blogger.com/profile/07335299272346323938noreply@blogger.com0tag:blogger.com,1999:blog-7356000555807271634.post-85153268698970098022020-02-13T16:11:00.000+05:302020-02-15T09:56:49.595+05:30DO SMALL CAP FUNDs MAKE SENSE ?<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" style="text-align: left;" trbidi="on">
The deluge of Small Caps NFO is sure to make investors look at the Small Caps with lots of curiosity.<br />
Especially with the sluggish return the Small Cap space has generated in the past 2 years.<br />
In fact, the Small Cap has been battered for the past 2 years.<br />
<br />
<br />
Majority of Wealth Managers opine that Small Cap generate higher alpha in the coming years, especially post the SEBI recategorisation.<br />
Small Cap universe is large and majority of them are NOT covered by analysts.<br />
<br />
Small Caps tend to RISE MORE in a rising market and similarly FALL STEEPER in a flat/Bear Market.<br />
Thus, timing the entry/exit in Small Caps is imperative to maximise returns.<br />
And a SIP investment would make sense, unless one is sure of the market trend in near term.<br />
<br />
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<a href="https://1.bp.blogspot.com/-95-OsZha-ak/XkTOISSbmMI/AAAAAAAAJAA/xJLrHsVWWogmfCJu7ZmrGd1nB6QoGLtrwCLcBGAsYHQ/s1600/Small%2BCap%2Bperformance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="723" data-original-width="1069" height="432" src="https://1.bp.blogspot.com/-95-OsZha-ak/XkTOISSbmMI/AAAAAAAAJAA/xJLrHsVWWogmfCJu7ZmrGd1nB6QoGLtrwCLcBGAsYHQ/s640/Small%2BCap%2Bperformance.jpg" width="640" /></a></div>
<i><u><br />
</u></i> <i><u>CHECK THE ABOVE IMAGE : </u></i><br />
<i><u><br />
</u></i> This the performance report as on yesterday when the Small cap index is still down by 35% from Jan 2018 Peak!!!<br />
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Power of Small caps especially when we are addressing the long term goal.<br />
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Small is not SMALL when it comes to giving returns....<br />
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No compromise on any other funds.<br />
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<b><u>VOLATILE JOURNEY :|</u></b><br />
Equities themselves are volatile and Small Caps more so.<br />
The journey could be very very painful. Especially when there is a sell off in Equity Markets, its the Small Caps which not only bear the maximum brunt but also the first to get SOLD off.<br />
Small caps are for investors who prefer HIGH RETURN and dont mind the accompanying HIGH RISK AND HIGH VOLATILITY that comes with the Small Cap space.<br />
<a href="https://1.bp.blogspot.com/--oVVbBlGo_c/XkUjeYir6KI/AAAAAAAAJAg/SGYjl3XW-QEr05Vkt89YGhROtpTodQ0cwCLcBGAsYHQ/s1600/ITI%2BSmall%2Bcap%2Bfund1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="844" data-original-width="1590" height="338" src="https://1.bp.blogspot.com/--oVVbBlGo_c/XkUjeYir6KI/AAAAAAAAJAg/SGYjl3XW-QEr05Vkt89YGhROtpTodQ0cwCLcBGAsYHQ/s640/ITI%2BSmall%2Bcap%2Bfund1.jpg" width="640" /></a><br />
<b><u><span style="color: purple;"><br />
</span></u></b> <b><u><span style="color: purple;">IS IT A GOOD TIME TO INVEST IN SMALL CAP NOW:</span></u></b><br />
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The data definitely says so.<br />
The Small Cap PE is now at 37.6 (feb 2020) down from the highs of 100 in Jan 2018.<br />
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The average discount of Small Cap Index with Large Cap Index is 15 but now its at a unbelievable 34%.<br />
Definitely attractive.<br />
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Hence, its not without reason that 2 NFOs on SMALL CAPs have hit the market.<br />
ITI SMALL CAP FUND<br />
IDFC EMERGING BUSINESS FUND<br />
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IN fact, IDFC is coming out with an NFO after 10 years.<br />
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<span style="color: purple; font-family: "verdana" , sans-serif; font-size: large;"><b><u>POSITIVES : </u></b></span><br />
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The good thing is that majority of Small Caps are owned by Domestic investors and FIIs selling would have little or no impact.<br />
Small Caps are typically under-researched, mostly undervalued and underowned thus providing the opportunity for maximum gains.<br />
Hence, the stock picks become the MOST important factor when it comes to Small Caps in particular.<br />
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<span style="color: purple; font-size: large;"><b><u>NEGATIVES</u></b></span><br />
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1. <span style="background-color: #ffeef4; color: #222222; font-size: 16px;">Small Caps are not only highly volatile, but they also suffer from low volume and less liquidity.</span><br />
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Although, Small Caps tend to be very volatile, they can give your portfolio a much needed 'alpha' adding to the overall returns. The volatility associated with small caps tend to get evened out over a period of time. SIP Investment would be the BEST method to maximize your returns from this Fund.<br />
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If you can DIGEST the accompanying High Volatility and ready to see RED in your portfolio for 2-3 years at a stretch, then Small Cap space is for you.<br />
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It would be unwise to ignore Small Caps just because they are volatile. Use the SIP route to diminish the Volatility and actually make it your friend to get good returns.<br />
In fact, Small Caps are a must in ANY portfolio and should form anywhere between 5% to 20% depending on each case.<br />
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Small Caps gave a return of as high as 60% plus per annum in 2015/2016 but saw deep correction in 2108 and 2019.<br />
in fact, in 2018 & 2019, while Large Caps were UP by 15%, the Mid Caps were DOWN by 15% and SMALL CAPS EVEN WORSE.....DOWN BY 31%.<br />
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In fact, it is this particular data that Mutual fund companies are showing investors and telling them Small caps are cheaper now than anytime before.<br />
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<span style="color: purple; font-size: x-large;"><b><br />
</b></span> <span style="color: purple; font-size: x-large;"><b><u>OUR TAKE : </u></b></span><br />
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We always advocate against TIMING THE MARKET.<br />
But sometimes, it does make sense to make use of anomalies that Equity Market keeps throwing up.<br />
The Small Caps have been butchered for the past 2 years where even top quality companies kept hitting new lows.<br />
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We also have always suggested to look at the MUTUAL FUND route towards equity exposure especially when it comes to under-researched SMALL CAP space.<br />
Hence, you can consider going for Small caps as such.<br />
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Although 1 year is a very small period....<br />
In 2019, Axis Small gave return of 37% where as HDFC Small Cap gave a NEGATIVE return of 1%.<br />
What this data reveals is that its always makes SENSE to take guidance from an Advisor.<br />
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Dont become #paisawiserupeefoolish and lose your hard earned money by investing DIRECTLY without proper guidance.<br />
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Do contact your Advisor who will be in a better position to judge your Risk Appetite and invest accordingly.<br />
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<a href="https://1.bp.blogspot.com/-qNAw9nCJREI/XkUmMFLYupI/AAAAAAAAJAw/zWgGBHR6dDQ_cQbyeIz33hywc0i5ei_cgCLcBGAsYHQ/s1600/DSP.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="592" data-original-width="1545" height="244" src="https://1.bp.blogspot.com/-qNAw9nCJREI/XkUmMFLYupI/AAAAAAAAJAw/zWgGBHR6dDQ_cQbyeIz33hywc0i5ei_cgCLcBGAsYHQ/s640/DSP.png" width="640" /></a></div>
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<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14px;"><b><u><br />
</u></b></span></span> <span style="color: purple; font-family: "helvetica" , "arial" , sans-serif; font-size: large;"><b><u>This amazing data shows how SMALL CAPS HAVE BOUNCED BACK after major falls. </u></b></span><br />
<span style="color: purple; font-family: "helvetica" , "arial" , sans-serif; font-size: large;"><b><u>The BOUNCE has been sharper, larger, and BIGGER. </u></b></span><br />
<span style="color: purple; font-family: "helvetica" , "arial" , sans-serif; font-size: large;"><b><u>So if you are intending to investing in a small cap, and if you do see a fall....just STAY PUT. </u></b></span><br />
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<span style="color: purple; font-family: "helvetica" , "arial" , sans-serif; font-size: large;"><b><u>The reversal will happen quicker and it will happen in a BIG way. </u></b></span><br />
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<b><u>BEFORE INVESTING IN SMALL CAPS (OR EVEN EQUITIES) KNOW THIS......</u></b></div>
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<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
By nature, we try to avoid pain. But nothing worthwhile is ever achieved without going through pain.</div>
<div style="background-color: white; color: #1d2129; display: inline; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-top: 6px;">
Markets may not give any returns for three years and give 3 year returns in the 4th year.</div>
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<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="color: purple; font-size: x-large;"><b><br />
</b></span></span></div>
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<div class="separator" style="clear: both; text-align: center;">
<span style="color: purple; font-size: x-large;"><b>INVEST IN SMALL FUNDS ONLY IF YOU ARE READY TO SEE NEGATIVE RETURNS FOR AT LEAST 3 YEARS </b></span></div>
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14px;"><br />
</span></span>Go for small caps but preferably via SIP mode and make sure that the investment is for pure long long term only.<br />
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<u>YOU ARE STRONGLY ENCOURAGED TO TAKE THE GUIDANCE OF A COMPETENT FINANCIAL ADVISOR WHO WILL BE IN A BETTER POSITION TO GUIDE YOU ON THE FUNDS/ASSETS TO INVEST.</u><br />
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Regards,<br />
Srikanth Matrubai,<br />
Author <i><span style="color: blue;">"DON'T RETIRE RICH"</span></i><br />
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