DHAN KI BAAT

Good morning 🌹🌹🙏🙏

Have a great day ahead 🌹🙏
👉 Today Note for financial awareness 🌹🌹🙏

6 most important Financial note to retired wealthy 🙏🌹

The good news is that if you invest right and start now, you will be able to collect that amount with ease. And the National Pension System (NPS) is the perfect place to save for your retirement.

1.At 60, you will start receiving a monthly pension, which will continue till you are alive. And the secret of getting a bigger pension is starting now. That's because you will be able to build a larger retirement corpus.

2.You not only secure your old age but also ensure your family is financially stable if anything happens to you. NPS gives the option of opting for a pension plan that continues paying pension to your spouse till they are alive.

3.After you cross 35, every year, a part of your investments is moved from stocks to FD-like instruments. This ensures that as you approach retirement age, your retirement savings are shielded from market volatilit y.

4.You are free to decide how much you want to invest every year. So you can start small and increase your contribution as you gain confidence. Just invest a minimum of ₹1,000 per year.

5.Investments of up to ₹50,000 NPS are eligible for a tax deduction. This is over and above the ₹1.5 lakh limit of Section 80C. So, you can save up to ₹15,600 extra every year

6.You not only save taxes on investing but also don't pay taxes on the returns or the final maturity amount. This triple tax benefit is available only on a couple of investment product.

Don't wait for more. Start saving for your dream retirement today.

Regards 🌹🙏
Veteran Finsys

👉 9 Financial lessons from Ramayan
🌹राम नवमी की शुभकामनाएं🌹

1. Secure your life :
You are not Laxman, and there is no Hanuman to get Sanjeevani for you.... so get health & life insurance today.

2.Set your budget :
Set "Laxman Rekha" of your financial budget and make sure not to cross it due to luring online discounts. Understand the difference between need and want .... be financially disciplined.

3.Contingency Fund :
Unexpectedly, Lord Ram was sent to 'Vanvas' for 14 Years and was forced to leave his luxurious Palace. Not everyone can live with such sudden changes in lifestyle. Have an adequate emergency fund to handle unforeseen circumstances, eg. COVID

4.Be Patient/Think Long Term :
During the 14 years of 'Vanvas', Lord Ram faced many ups and downs, including the kidnapping of Sita. Lord Ram patiently waited until the situation became favorable, rather than choosing shortcuts. Buy right stock and sit patiently. Stay invested for the long term, there is no shortcut to success.

5.Choose advisers wisely :
Kaikeyi took Manthara's advice... & Ramayan happened. Stay away from those trying to sell options and penny stock tips to make overnight money and you will loose ur wealth. Don't take advise from who are disguised as advisors for their own benefit.

6.Build a Corpus :
Lord Ram, Sita, and Laxman left Ayodhya with nothing. They patiently built their network and Vanar Sena over the years in order to reach the objective of defeating the Ravan. It takes patience to build a portfolio / corpus, to defeat inflation in the long run.

7.Cultivate discipline :
Lord Ram practiced "Dharma" in order to be right, responsible and disciplined in life. Apply a similar theory to your life. Save judiciously, spend carefully and invest wisely for a disciplined cumulative financial life.

8.Wipe your slate and start over :
14-day Lanka War marked the defeat of evil and set the stage for a new path. Similarly, forget bad decisions that you made in the past and make informed decisions to streamline your financial journey. Book losses faster and take profitable decisions with fundamental study on stocks.

9. Believe in karma : Continue to do good things and karma will eventually reach you. For buying right stocks you have to do ur own karma, study.... Rather believing on social media or any overnight advisory.

Happy Ram Navami 💐💐
Regards 🙏🙏🌹

Good morning 🙏🌹

Have a great day 🌹🙏

🌹Weekly MF News🌹

✴️ Smallcap mutual fund investors await release of 2nd round of stress test results - To be released by every 15th of the month

☑️ Total Demat A/Cs cross 15-crore mark for first time

✴️ Total SIP book touched Rs 19,270 cr per month in March 2024.

☑️ Total MF AUM of MF Industry is 53.40 lakh cr

✴️ Small & midcap funds record first outflows in 30 months in March

☑️ 21 mutual fund NFOs mobilised Rs 4,146 crore in March

✴️ GOLD AND SILVER AT LIFE TIME HIGH

☑️ IRDA : New Surrender value Guideline will be applicable for the Life Insurance cos from 01/04/2024

☑️ - AMFI issues standard process to transfer assets on demise of distributors

data compiled from ( Till 14/04/2024 )

Regards 🙏🌹
Veteran Finsys

*Dr. Babasaheb Ambedkar's life offers a wealth of wisdom. Here are 5 key learnings*

*Education is Power:-* Ambedkar faced social exclusion due to his caste, but through sheer hard work and dedication to education, he achieved great things. He believed education was the key to upliftment for marginalized communities.

*Fight for Justice:-* Ambedkar relentlessly fought against the caste system and championed the rights of Dalits and other oppressed groups. He inspires us to fight for a more just and equitable society.

*Importance of Self-Respect:-* Ambedkar advocated for self-respect and dignity for all. He encouraged people to challenge discrimination and believe in their own potential.

*Knowledge is Liberation:-* Ambedkar was a scholar and believed that knowledge empowers individuals and communities. He stressed the importance of critical thinking and questioning established norms.

*Continuous Learning:-* Ambedkar's life embodied the pursuit of lifelong learning. He constantly studied and advocated for the importance of keeping an open mind and adapting to changing times.

🌹🙏 शुभ प्रभात 🌹🙏

आपका दिन मंगलमय हो 🙏

आज का सीख 🌹🙏

5 सीख हैं जो आप *रॉल्फ डोबेली की पुस्तक, "द आर्ट ऑफ थिंकिंग क्लियरली"* से प्राप्त कर सकते हैं:
1. *हम व्यवस्थित रूप से अपनी क्षमताओं को अधिक महत्व देते हैं*:- हम अपने ज्ञान और निर्णय में अत्यधिक आश्वस्त होते हैं, जिससे खराब निर्णय हो सकते हैं। हमें अधिक विनम्र होने और हमारी सोच की सीमाओं को पहचानने के लिए प्रोत्साहित करती है।
2. *हम सब कुछ नियंत्रित नहीं कर सकते*:- हम अक्सर मानते हैं कि हम वास्तव में परिस्थितियों पर अधिक नियंत्रण रखते हैं। पुस्तक हमारे निर्णय लेने में यादृच्छिकता और संभावना को समझने के महत्व पर प्रकाश डालती है।
3. *पुष्टिकरण पूर्वाग्रह और भीड़ का अनुसरण करना*:- हम ऐसी जानकारी का पक्ष लेते हैं जो हमारी मौजूदा मान्यताओं की पुष्टि करती है और सामाजिक अस्वीकृति से बचने के लिए दूसरों के नेतृत्व का पालन करती है। पुस्तक खुले विचारों वाले होने और सबूतों का गंभीर मूल्यांकन करने की आवश्यकता पर जोर देती है।
4. *स्व-सेवारत पूर्वाग्रह और मानसिक लेखांकन*:- हम उन तरीकों से जानकारी की व्याख्या करते हैं जो हमारी आत्म-छवि की रक्षा करते हैं और निर्णय लेते हैं कि चीजों को कैसे प्रस्तुत किया जाता है, न कि उनके उद्देश्य मूल्य के आधार पर। पुस्तक हमें इन पूर्वाग्रहों से अवगत होने और विविध दृष्टिकोणों की तलाश करने के लिए प्रोत्साहित करती है।
5. *कमी और डूब लागत पर ध्यान केंद्रित करना*:- हम चीजों को अधिक महत्व देते हैं क्योंकि वे दुर्लभ हैं या क्योंकि हम पहले से ही उनमें निवेश कर चुके हैं, भले ही वे निष्पक्ष रूप से मूल्यवान न हों। पुस्तक हमें भविष्य के लाभों के आधार पर निर्णय लेना सिखाती है, न कि पिछले निवेश या भावनात्मक जुड़ाव के आधार पर।
Regards 🌹🙏
Veteran Financial services
7021038959
Investment Sahi...future sahi.

A Big thank You 💐💐😊🙏

Every year we celebrate 31st March as Financial Freedom Day - A day where we celebrate the contribution which the Mutual Fund Distributors have made to your life as Financial Guides. Guiding you through your financial journey and helping you achieve your financial goals.

Take this opportunity to send a personalised thank you message to your Mutual Fund Distributor.

Thank you so much 🙏🌹
Regards 🌹🙏

Good Night 🌹🙏

Good Morning 💐🌹🙏

Have a nice day 💞🙏

👉 today financial note:-
👇👇👇👇👇👇👇

Just 10 simple rules to take control of your finances:

Let’s understand each of these rules in detail.

1. THE NET WORTH RULE

This rule originated from 'The Millionaire Next Door' book. It has a simple way to determine if you are wealthy in the US. Multiply your age by your pre-tax annual income & divide by 10. If your net worth surpasses the result, you are wealthy.

There’s an Indian version of this as well. Some experts suggest using 20 instead of 10 as the divisor in the Indian context. For instance, say you're 30 and earn Rs 12 lakh annually. Your net worth should be at least Rs 18 lakh to earn the 'wealthy' title.

2. RULE OF 72

This helps you determine the time it will take for your investment to double. How does it work? Simply divide "72" by the rate of return you are earning. For example, with a 9% return, it will take 8 years (72/9) to double your investment.

3. RULE OF 70

This tells you the impact of inflation. Divide "70" by the inflation rate, you get the no. of years after which your money's worth will be half. If the inflation rate is 7%, your money’s worth will be half in 10 yrs.

4. 100-AGE RULE

It is a simple way to determine your equity-debt mix. Subtract your age from 100. The number you get is the percentage you can invest in equities. Rest should be in debt.

Example: If you are 30, invest 70% in equity & 30% in debt.

But it isn’t perfect.

If you are a beginner, you can take this rule as a reference for asset allocation. But as you evolve as an investor, it’s better to decide on an asset mix based on your goals. You can also add gold to your portfolio for optimizing risk and returns.

5. 50-30-20 RULE

This concept helps you create a budget by breaking your finances into three separate parts.

50% for needs

30% for desires

20% for investments

Of course, you can tweak it and invest more if you like. But don’t go below 20% to secure your future.

6. 6X RULE

It helps you decide how much money you must keep aside for emergencies. Before investing your money, you must save at least 6 months of expenses for a rainy day.

Say, your monthly expense is Rs 50,000. Keep 50,000 x 6 = Rs 3 lakh aside as a safety net.

7. 20X TERM INSURANCE

This rule recommends that your life insurance coverage must be at least twenty times your yearly earnings. For example, say, your annual income is Rs 5 lakhs. Then you must get a term life cover of 1 crore.

8. 40% EMI RULE

This one suggests your total loan EMIs should not exceed 40% of your income. Crossing this threshold means you're burdened with excessive loans. And that can result in missing out on investment opportunities and never achieving financial freedom.

9. 25X RETIREMENT RULE

It recommends having at least 25 times your yearly expenses as your retirement corpus. For instance, if your annual expense is Rs 12 lakhs, you must have a corpus of Rs 3.6 crores.

Pro Tip - Save more (30X or 35X) if you plan to retire early.

10. THE 10% HIKE RULE

This one highlights the importance of giving a hike to your investments.

Here’s an example:

Monthly SIP: Rs 5,000

Tenure: 30 yrs

Annualised return: 12%

Final Corpus: Rs 1.76 cr

But if you give your SIPs a 10% hike every year, your final corpus: Rs 4.42 cr

If you find a 10% hike challenging, you can go for a 5% or 3% hike as well. The key is to increase your SIPs as your income grows.

How to do it? Modify your existing SIP and increase the SIP amount 🙏

Hope it helps!

We put a lot of effort into creating such informative posts. If you learned something new, please SHARE to help us educate more people

Regards 🌹🙏
Veteran Finsys
7021038959

शुभ प्रभात 🌹🙏🙏

आपका दिन मंगलमय हो 💐🌹

👉 आज का शुविचार 🌹

*वेतन में वृद्धि न केवल जीवनशैली को उन्नत करने का अवसर है, बल्कि यह निवेश को उन्नत करने का भी समय है...*

एसआईपी के माध्यम से निवेश की प्रक्रिया म्यूचुअल फंड के माध्यम से इक्विटी बाजारों में निवेश करने का एक समय-परीक्षणित तरीका है।

एक अधिक शक्तिशाली उपकरण है *हर साल अपने एसआईपी निवेश को बढ़ाना*।

मान लीजिए 15-20%। यदि आपकी चालू एसआईपी राशि 30,000/- रुपये है, तो हर साल राशि को 3,000/- रुपये बढ़ाने पर विचार करें।

आपकी ओर से यह छोटी सी पहल और कार्रवाई एक दशक के बाद बहुत शक्तिशाली हो सकती है..

उदाहरण के लिए...20 वर्षों के बाद 30,000/- रुपये का एसआईपी लगभग 2.70 करोड़ रुपये की संपत्ति बना सकता है, जबकि एसआईपी राशि को सालाना केवल 3,000/- रुपये बढ़ाने से लगभग 4.5 करोड़ रुपये की संपत्ति बन सकती है।
(रिटर्न 12% माना गया है)।

यदि आप टॉप अप एसआईपी में रुचि रखते हैं तो कृपया 'हां' में उत्तर दें।

सादर आभार
आपका शुभचिंतक
संतोष कुमार साह

Good morning 🌹🙏🙏

Have a great day ahead ❤️

Weekly MF News 🌹

☑️ Absl mf changes min sip amount of its 25 funds to rs 100
✴️ Icici MF Restrict New investment in their small and MIDCAP funds . SIP, STP allowed ₹ 2lakh per PAN per month

☑️ 42,000 women MFDs manage Rs.1.70 lakh crore AUM: AMFI

☑️ Mismatch in name/DOB of an investor in PAN and MF folio to lead to transaction rejections

☑️ KYC rules to change: Uniform KYC for all — opening bank account to buying insurance to investing in stocks, mutual funds

✴️ Not just stress test, mutual funds also release 9 other data points

☑️ Franklin Templeton MF to empower transgender communities

✴️ SIP closure ratio at 27 month-low of 43% in February: AMFI data

✴️ Medical inflation driving up ticket sizes for retail health insurers

data compiled from Reserch

Regards 🌹🙏
Veteran Finsys

Good morning 🌹🌹🙏

Have a great day ahead 💐

*Decoding the Recent Stock Market Plunge*

The situation is a bit complicated. But let’s try to decipher. For the past 12 months mid and small cap stocks were running at a crazy pace. Regulators have been cautioning for last quarter or two.

*Things which caught market by surprise this month :*

1. It started with IIFL Finance episode where in the RBI overnight restricted them to stop disbursing fresh gold loans due to non-compliance of KYC rules.

2. SEBI came down heavily on JM Financials for misleading IPO financing and barred them from giving loans against shares and debentures. With JM being amongst the largest IPO financier, this restriction may dry up IPO funding in the near term.

3. Simultaneously SEBI cautioned *“the pagalpan”* in IPO subscriptions specially in SME. The recent ED raid on Hari Shankar Tibrewal (Zenith) and 13 other associated entities with interest in stock markets has also resulted in price damage in stocks they are associated with. This is causing some stocks that were rising on narratives rather than strong fundamentals to wilt under pressure as the sentiment turns weak. This has resulted into market participants turning cautious and backing-off from the margin lending against shares because of heightening regulatory focus. In market, sentiment can turn quickly and matter more than action

5. Due to this SEBI asked the mutual funds to restrict inflows in small and mid cap schemes and asked for stress test (to ascertain the time taken to sell 50% and 25% of the portfolio without eroding the gains accrued). Around seven MFs are said to have restricted inflows into mid-small cap schemes with more to follow in future.

6. Electoral bond issue could be another factor which is adding to the uncertainty.

7. As though this wasn’t enough, rumours that GQG – which emerged as the white knight last year when Adani group was in problem - is seller in Adani stocks to fund ITC buying is putting pressure on Adani stocks.

8. Further, SEBI earlier today announces ASM measures on around 300 mid and small cap stocks which is creating further panic.

All in all tough situation specially for retail investors. The case may be temporary but it’s difficult to say the time it will take some of the stocks to come back to normalcy. We suggest to stick with the leaders. Its time to realign the portfolio and cherry pick stocks by taking advantage of current volatility. Remember that volatility is part and parcel of the equities market.

*“Everyone has the brainpower to make money in stocks. Not everyone has the stomach. If you are susceptible to selling everything in panic, you ought to avoid stocks and mutual funds all together”* *– Peter Lynch, Manager, Magellan Fund at Fidelity Investments.*

Regards 🙏🙏🌹

Good evening 🙏🙏🌹

👉Weekly MF News 💐💐

✴️ A new policy to be formed to protect interest of mid and small cap investors: SEBI
☑️ Baroda BNP Paribas Innovation Fund NFO collects over Rs 900 crore
edelweiss technology fund collects 440 cr
SBI MF collects over Rs. 6700 crore from its thematic fund NFO.
✴️ MF industry AUM reached Rs.54.54 lakh crore in Feb 2024.
☑️ The gross SIP inflows also crossed Rs.19000 crore per month.
💥 27000 cr inflow in equity funds catagry except focused funds (500 cr out flow )
☑️ 22 NFOs collectively raised Rs.11,720 crore
💥 The SIP AUM reached an all-time high of Rs.10.52 lakh crore
☑️ Close to 50 lakh new SIP accounts were opened last month

👉data compiled from ( Till 10/03/2024 )

Regards🌹🙏
Veteran Finsys
7021038959

👉🌹🌹Weekly MF News

✴️ Soon, MF/insurance investors to simply need a bank KYC to invest their money

☑️ SBI, ICICI Prudential, HDFC lead the debt AUM league table
Overall, the top 30 fund houses manage debt assets of Rs.17 lakh crore.

✴️Agents/intermediaries will be held responsible for unclaimed amount of their clients. IRDAI said that agents and intermediaries will have to trace clients and update their contact details, bank account etc. across all unclaimed policies.

☑️ SEBI has issued a consultation paper on Ease of Doing Business

✴️ Total live sip count is 7.64 cr .
☑️ 3.67 cr live sip are from T30 loations
✴️ total 6.35 cr sips are in Growth plans
☑️ 45.63 lakh SIPs are in Hybrid funds
✴️ 28.40 lakh SIPs are in Indx funds
✴️ MF AUM to hit 100 lakh cr by 2030 : Axis Capital

🌹🌹🌷🌷🌷🌹🌹🌹
data compiled from ( Till 25/02/24)
Regards 🙏🌹
Veteran Financial services

Good Morning 🌹🌹🙏🙏
Have a great day ahead ❤️

# One common question which is asked everyday - ‘market ka kya lagta hai.. where do u see Nifty…’

Honest answer - I don’t know. no one does.

But in my 2 decades of investing - every 10-11 years Nifty becomes Sensex

In 2004 ( UPA)
nifty was ~2000
Sensex was ~6500

In 2014 (NDA)
nifty ~6500
Sensex 22000

2024
Nifty ~22000
Sensex 72000

2034
nifty ~72000 ??

Think long term & always look forward to corrections.

Regards 🌹🌹🙏
Veteran Financial services
7021038959

Good Evening 🌹🙏🙏

आज का शुविचार 🌹🌹🙏

*TAX-LOSS HARVESTING*

*VALID TILL* : 28TH MARCH 2024

➖Selling a security/stocks that has incurred a loss to help investors reduce or offset taxes on any capital gains income subject to taxation.

➖The sold security can be bought back or replaced by a similar one ( *Intraday square off not valid* )

*📝 Please Note*

*LTCG*: will be adjusted against long-term loss only

*STCG*: can be set off against both long-term capital loss and short-term capital loss

*Example:*

1) If an individual earns ₹1 lakh in Short-Term Capital Gains (STCG) this year, they must pay 15% of this amount as taxes, which amounts to ₹15,000.

2) Additionally, if the individual holds stocks with an unrealized loss of ₹60,000, they can sell these stocks to reduce their net STCG to ₹40,000. This would require paying 15% of ₹40,000, which amounts to ₹6,000 in taxes, resulting in a tax savings of ₹9,000.

3) This process of selling stocks to harvest losses and save on taxes is known as tax-loss harvesting.

Regards 💐💐🌹🌹🙏
Veteran financial services

Good Morning 🌹🌹🙏🙏

Have a great day ahead ❤️

👉 important notes:-

1: If you want to build wealth, you have to invest.

2: Don't invest in stocks /MF until you are ready.
Focus on financial wellness first.

3: Dealing with volatility is so much easier when your personal finances are hyper-conservative.

4: In the beginning, your savings rate is all that matters.
Over time, your investment returns become all that matter.

5: What’s risky in the short-term is safe in the long-term.
What’s safe in the short-term is risky in the long-term.

6: Rupee cost averaging makes market timing irrelevant

7: The business and its stock are 0% correlated in the short-term, but 100% correlated in the long-term.

8: Humans are born to be bad at investing.
Understand that your emotions are going to play all kinds of tricks on you along the way

9: You can't know everything.
Define when you know enough to make a decision.

Regards 🌹🌹🌹🙏
Veteran Finsys

Good Morning 🌹🙏
Have a great day ahead ❤️

🌹Weekly MF News:-

🔥 Equity funds report 35th consecutive month of net inflows

💥 Mutual funds' collects Rs 63,854 crore through NFOs in 2023

💥 MF industry AUM reaches Rs.53 lakh crore, SIP inflows at Rs.19,000 crore

🔥 With over Rs 1.30 lakh crore of retail assets each, HDFC MF, SBI MF and ICICI Prudential MF are the top 3 players in the retail segment.

💥 IAPs increase by 23%, reach expands by 45% . AMCs conduct 10,364 investor awareness programs for over 7 lakh participants during FY 2022-23.

🔥 Insurance pe*******on in India is 4%, lower than global average of 6.8%

💥 Now, ayurvedic and alternative treatments qualify for the entire sum insured

IRDAI has asked insurance companies to remove the cap on sum insured from AYUSH treatment.

💥 SEBI issues consultation paper to revise nomination norms , SEBI has invited views of AMCs, registrar and other market participants by March 08, 2024.

⭕️ NFO:-
⭕️ Bajaj Finserv Large and Mid Cap Fund
⭕️ Bank of India Multi Asset Allocation Fund
⭕️ HSBC Multi Asset Allocation Fund
⭕️ quant PSU Fund
⭕️ SBI Energy Opportunities Fund

Regards 🌹🌹🌹
Veteran Finsys
Santosh Kumar sah, MFD, IFA, IRDAI-Certified
7021038959

*शुभ प्रभात 🌹🌹🙏🙏
आपका दिन मंगलमय हो 🌹🙏🙏

आज़ का शुविचार 🙏🙏🌹🌹

*सेवानिवृत्ति योजना सर्वोच्च प्राथमिकता पर क्यों होनी चाहिए?*

1) युवा हमेशा एकल परिवार पसंद करते हैं। वे किसी भी बड़ों की कृपा के बिना हर तरह की आजादी के साथ रहना चाहते हैं।
2) आप क्या पसंद करेंगे... अपने स्वयं के बैंक बैलेंस के आधार पर सेवानिवृत्ति या अपने बच्चों के समर्थन पर निर्भर रहोगे। क्या आपको लगता है, मान लीजिए, आज से 15-20 साल बाद, आपके बच्चे आपका समर्थन या आपका पालनपोषण करेंगे? आज ही कई माता पिता अकेला जीवन बिता रहे है।
3) पश्चिमी देशों में आज भी , कुशल और अकुशल, युवाओंकी बेहद कमी है। वे भारतीय युवाओं को कई छूट और आकर्षक तनख्वाह दे रहे हैं, क्योंकि वे जानते हैं कि भारतीयों में भरपूर प्रतिभा और कड़ी मेहनत करने की प्रवृत्ति है। यदि आपका बच्चा होशियार और प्रतिभाशाली है, तो यकीं मानिये उसे विदेशी कॉर्पोरेट जगत द्वारा चुने जाने की पूरी संभावना है। आप अपने बच्चों से समर्थन खो सकते हैं।
4) आम तौर पर, पति आपकी पत्नी से पहले इस दुनिया को छोड़ देता है... क्या आप चाहते हैं कि आपकी पत्नी आपके बच्चों पर निर्भर रहे या अपने बचायी हुयी हुए निवेश रक्क्म पर।

ये तो अनेक बिन्दुओ में से कुछ बिंदु है । भविष्य की परिस्थितिया शायद और भी भयावह हो सकती है।

इसीलिए आज ही हमसे सम्पर्क कीजिये और अपने उज्जवल भविष्य के लिए उचित निवेश कीजिय।🌹🙏

आपका शुभचिंतक 🌹🌹

Good Evening 🌹🙏🙏

कुछ महत्वपूर्ण जानकारी शेयर करना चाहता हूं :-

🔹 Year 1981

10 gm Gold was Rs. 1800
1 kg Silver was Rs. 2700
Sensex was at 170

🔹 Year 2024

10 gm Gold 63000 (35x )
1 kg Silver: 75000 (27X )
Sensex: 72000 (423X )

Medical inflation in India is so high, most will go into poverty or problem, if there are any major health issues in family. Always cover yourself with health insurance.

👉और निवेश ज़रूर करें🙏🌹🌹

*आप Mutual Funds में निवेश कैसे करते हे??*

अगर आप खुद किसी *APP*📱 से करतें हो तो वह महज *एक टाईमपास* हो सकता है...🥱

अगर *बैंक*🏦 से करते हो तो हो सकता है कि, आप Mutual Funds की *असली ताकत 💪 को समझ ही नहीं पायें हो...*🤔

लेकीन अगर आप किसी *सलाहकार*👨‍🏫 के द्वारा करतें हो तो यह आपकी जोखिम क्षमता, आपका निर्धारीत समय एवमं आपका आर्थिक लक्ष हासिल करने के लिए हो रहा *एक गंभीर निवेश है...👍*

*सोच कर, समज कर, निवेश करे 🎯*

Regards🌹🌹
Veteran financial services

🌹 Good Morning 🌹🙏

Have a nice day 🌹🌷🙏

India's Growth on the fast track :-
*India's future like China's past! India transformed in less than a decade; different from 2013: Global investment banking firm Morgan Stanley report*

*In a short span of 10 years, India has gained positions in the world order with significant positive consequences for the macro and market outlook.*

*India's Decade of Transformation:*

*Forex*
◆ 2014- $285 Billion
◆ 2023- $603 Billion

*Corporate Debt as % of GDP*
◆ 2015- 65%
◆ 2023- 50%

*Foreign Direct Investment:*
◆ 2013- $22 Billion
◆ 2023- $46 Billion

*Mutual Fund Investment:*
◆ 2013- $100 Billion
◆ 2023- $500 Billion

*Electrified Railways:*
◆ 2013- 4,100 kms
◆ 2023- 28,100 kms

*Corporate Tax Rate:*
◆ 2013- 33.9%
◆ 2023- 22%

*RBI CPI Inflation:*
◆ 2013- 10%
◆ 2022- 4.7%

*Direct Benefit Transfer:*
◆ 2013- $0.89 Billion
◆ 2023- $32 Billion

*National Highways:*
◆ 2014- 25,700 kms
◆ 2023- 53,700 kms

*Airports*
◆ 2014- 74
◆ 2023- 148

*Digital Transaction as % of GDP*
◆ 2016- 4.4%
◆ 2023- 76.1%

*No. of IITs*
◆ 2014- 16
◆ 2023- 23

*No. of IIMs*
◆ 2014- 13
◆ 2023- 20

*No. of IIITs*
◆ 2014- 09
◆ 2023- 25

*No. of Institutes of National Importance*
◆ 2014- 75
◆ 2023- 149

*No. of AIIMS:*
◆ 2014 - 7
◆ 2023 - 25

*No. of Medical Colleges*
◆ 2014 - 385
◆ 2022 - 693

*Consider that household debt/GDP in India is just 19% vs. 48% for China and that only 2% of Indian households have life insurance. Manufacturing and services PMIs have rallied consistently since the end of Covid restrictions in contrast to the rapid fade seen in China. As well, real estate transaction volumes and construction have broken out to the upside.*

*The path taken by India since 2014 reveals that India is likely to get the tag of the third largest economy in 2027 (or FY28) based on actual GDP data as on March 2023, a movement of seven places upwards since 2014 when India was ranked tenth and two years earlier than our previous forecast of 2029.*

Regards
🌹🌹🌷🌷🙏🙏

Good Morning 🌹🙏🙏💐
Have a great day ahead 💐💐❤️

👉Every Trader Should Learn from Nitish Kumar that How to play from both sides...

मतलब चार्ट बदले तो आप भी बदल जाओ, चाहे लॉन्ग करो या शार्ट, बस पिच पर टिके रहो 😇😅💐🌹

*Kya Apka portfolio Nitishkumar jaisa Hai ?*

Har volatility main winner🤔

Regards
🌹🌹💐💐🌷🌷🙏

Guarantee a fikar-free educational journey for your little geniuses

To check out my own Tata AIA Life Insurance web page, click here –
https://web-link.co/7o491

🌹 Good Morning 🌹🙏🌹
*jay Shri Ram 🙏🙏🌹🌷
💐💐💐

*9 Financial lessons from Ramayan.*

*1. Secure your life :*
You are not Laxman, and there is no Hanuman to get Sanjeevani for you.... so get health & life insurance when you are healthy.

*2. Set your budget :*
Set "Laxman Rekha" of your financial budget and make sure not to cross it due to luring online discounts. Understand the difference between need and want .... be financially disciplined.

*3. Contingency Fund :*
Unexpectedly, Lord Ram was sent to 'Vanvas' for 14 Years and was forced to leave his luxurious Palace. Not everyone can live with such sudden changes in lifestyle. Have an adequate emergency fund to handle unforeseen circumstances.

*4. Be Patient/Think Long Term :*
During the 14 years of 'Vanvas', Lord Ram faced many ups and downs, including the kidnapping of Sita. Lord Ram patiently waited until the situation favorable, rather than choosing shortcuts. Stay invested for the long term, there is no shortcut to success.

*5. Choose advisors wisely :*
Kaikeyi took Manthara's advice which later resulted in separated family, hardships, loss of relationships, family disputes, and eventually Ramayana.
Stay away from those trying to sell Lucrative offers and quick rich schemes who are disguised as advisors and coaches for their own benefit.

*6. Build a Corpus :*
Lord Ram, Sita, and Laxman left Ayodhya with nothing. They patiently built their network and Vanar Sena over the years in order to reach the objective of defeating the Ravan. It takes patience to build a corpus, to defeat inflation in the long run.

*7. Cultivate discipline :*
Lord Ram practiced "Dharma" in order to be right, responsible and disciplined in life. Apply a similar theory to your life. Save judiciously, spend carefully and invest wisely for a disciplined financial life.

*8. Wipe your slate and start over :*
14-day Lanka War marked the defeat of evil and set the stage for a new path. Similarly, forget bad decisions that you made in the past and make informed decisions to streamline your financial journey.

*9. Believe in karma :* Continue to do good things and karma will eventually reach you.

*Have a great day ahead🌹* 🙏🙏🙏🙏

Kind Regards
Veteran financial services

🌹 Good Evening 🌹🙏💐

About Mutual fund
👉Most important Questions and answers for simplify investment Decision :-

Whether you’re a seasoned investor or just starting out, these questions and their answers about Mutual Funds (MF) will help you navigate the complex world of mutual funds. So, let’s get started!

1. What is a mutual fund?
A mutual fund is an investment instrument that pools money from various investors to invest in a diversified portfolio of securities such as stocks, bonds, gold & other commodities, and foreign markets or a combination of these. By investing in a mutual fund, individuals can gain exposure to a wide range of assets without needing to directly purchase them.

2. How do mutual funds work?
Mutual funds are managed by professional fund managers who make investment decisions on behalf of the investors. When you invest in a mutual fund, your money is combined with that of other investors which allows the fund to buy a variety of different assets. The returns generated by these investments are then distributed among the investors based on the number of units they hold.

3. What are the different types of mutual funds?
There are several types of mutual funds available, each catering to different investor goals, preferences, and risk appetites. Some common types include equity funds, debt funds, hybrid funds, and sector-specific funds. Equity funds invest primarily in stocks, debt funds focus on fixed-income securities like bonds, while balanced funds aim to provide a mix of both.

4. How do I choose the right mutual fund?
Choosing the right mutual fund depends on your personal financial goals, risk tolerance, and investment horizon. It’s crucial to conduct thorough research and seek professional advice.

5. What are the advantages of investing in mutual funds?
Investing in mutual funds provides numerous benefits. They offer diversification, professional management, liquidity, and affordability. Additionally, mutual funds allow investors to easily enter and exit the market, making them convenient for both beginners and experienced investors.

6. What are the risks associated with mutual funds?
While mutual funds provide growth potential, it’s important to be aware of the risks associated. Market fluctuations can impact the value of your investments, and some mutual funds carry higher risks than others. Additionally, poor fund management or economic downturns can negatively affect returns. Understanding these risks is crucial to making informed investment decisions.

7. How can I track and evaluate the performance of a mutual fund?
To track and evaluate the performance of a mutual fund, you can refer to various metrics such as the fund’s historical returns, Sharpe ratio, alpha, beta, standard deviation, expense ratio, turnover ratio, Treynor ratio, and benchmark comparison. Additionally, analyzing the fund’s consistency, risk-adjusted returns, and fund manager’s tenure can provide valuable insights. It’s a difficult task and requires expertise, so it’s advisable to take the help of a skilled financial expert.

8. Can I invest in mutual funds with a small amount of money?
Yes, you can invest in mutual funds with even ₹1000. Mutual funds offer Systematic Investment Plans (SIPs) that allow investors to start with minimal initial and monthly investments. SIPs also help in rupee cost averaging, meaning you can invest a fixed amount regularly, regardless of market conditions. This approach can be ideal for beginners or those with limited funds.

9. How do I redeem my mutual fund investment?
Redeeming your mutual fund investment is a straightforward process. You can fill out a redemption form provided by the fund house or make a request online. Your funds will be credited to your registered bank account within 1-2 business days. Do note that certain exit loads or taxes may apply, depending on the duration of your investment.

To Conclude
Mutual funds offer a convenient and accessible way to invest in a diversified portfolio of assets. By understanding the basics, assessing your financial goals, and conducting thorough research, you can make informed investment decisions. Remember to consult a financial expert and monitor your investments regularly.

Happy investing!

Regards
Veteran financial services
Santosh Kumar sah, MFD, IFA, IRDAI-Certified
7021038959