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This is a historic moment for India and for the entire world of space exploration. The successful launch of Chandrayaan-3 is a testament to the hard work and dedication of the ISRO team. It is also a reminder of India's growing leadership in the field of space technology.

I am so proud of what you have accomplished. Your hard work and perseverance have paid off. You are an inspiration to us all.

I wish you all the best in the upcoming months as you continue to work on the Chandrayaan-3 mission. I am confident that you will achieve great things.

Jai Hind!

It’s time to make your money work for you. Investing your money is the most reliable way to build wealth over time.

Before you put your hard-earned cash into an investment vehicle, you’ll need a basic understanding of how to invest your money the right way.
Mutual funds come to relieve you from all the hassles.
Just get clarity on a) Your Goals; b) Your budget; c) Your risk tolerance and begin your long-term wealth creation.
if you need to see the power of compounding, you need to give it time. This holds true for market linked investment, including Mutual Funds. With Mutual Funds and especially Equity Mutual Funds, the long-term benefit of `giving time and compounding shows its benefit`, is well known.
We are here to help. Feel free to Call or message NOW for further information or to fix up an appointment to discuss further!!

Retirement planning is important for every one. The earlier you start the better it is.
Act now and contact us top start a retirement plan.

In a survey that conducted in 2021 among our women clients, we found that (a) education of children and (b) wedding of daughters were women’s top financial goals.

This goal-specificity of savings distinguished the financial behavior of women from that of men.
While being good in savings, women fall short when it comes to investing. Financial history tells us that stocks outperform all other asset classes in the long run. In India stocks have outperformed all other asset classes in the long run. The BSE Sensex (100 in 1979) has appreciated to above 60,000 now (October 2021) giving a CAGR of around 16 percent.
“To make money from the stock market, you need an average man’s intelligence, but ten men’s patience,” is an adage in the stock market. It is a fact that women have more patience than men. Therefore, potentially they can be great investors.
Call us or write or message to know more about various asset classes and their risk-return profile, NOW.
We are here to help.

In India most of us do not have formal Pension plans or policies offered through social security net.

It is a purview of only certain privy Government employees or employees of large corporate houses. These are very few examples considering the large population of our country.
We all are income generating machines till our retirement age or till certain health emergencies. When we are at the peak of our career, we must focus on generating an alternate/ additional source of income through our savings and investments. The early we take this decision, the better is the wealth generated and higher is the income expected from such corpus.
The advances in medical science have increased the life expectancy of people. Hence, as we live longer, we will need more money for their medical as well as day to day expenses.
These expenses that we need must be covered by the income that we earn passively from our investments.
Think long term. Think for additional income though your investments. We are here to help!
Feel free to Call or message NOW for further information or to fix up an appointment to discuss further!!

There are many things in our life that we want to accomplish.

It’s our dreams that make life big as well comfortable and easy for our family. But, most of the time we stop ourselves from planning itself as we assume that these ideas are too far-fetched. However, most goals can be achieved by proper planning at every stage.
Define your financial goals and then take a step-by-step approach to achieve them, as below: -
1: Know what you want to achieve
There are some goals that are common to all, and then there are few which are unique to each of us. Remember to set goals that are relevant and you will feel more motivated to work towards it.
2: Be specific about your goal
When you say things like, I want to save for children’s education, or for their marriage, or for retirement or for the house we all dream, we must be clearer. While setting a financial goal, you have to be more specific. For example, I want to save Rs 30 Lakh for children’s education, or Rs 30 lakh for down payment of the dream house. Being specific always wins.
3: Be realistic
While defining your goals, you need to consider your income and expenses and growth potential, so that the goal is realistic.
4: Attach a time-frame
Write a timeline for each and every goal
5: Invest Right
if you need to see the power of compounding, you need to give it time. This holds true for market linked investment, including Mutual Funds.
With Mutual Funds and especially Equity Mutual Funds, the long-term benefit of `giving time and compounding shows its benefit`, is well known.
We are here to help.
Feel free to Call or message NOW for further information or to fix up an appointment to discuss further!!

Good time to invest in debt funds

Debt funds did not do well in 2022 and had a lackluster performance of an average return of 3-5 per cent, as they saw the prices of their holdings going down. This is because when interest rates rise, bond prices fall and since debt mutual funds need to mark their net asset values (NAV) to the market daily, the bond prices dropped and NAVs suffered.
But now with the interest rates expected to be near their peaks, Bond yields have stabilized. The yield curve in India is flat and in US it is significantly inverted. This means that market is expecting to inflation to fall and rate cuts by central banks going ahead a falling interest rate cycle may benefit fix income investor by way of capital gain in addition to accrual income.
Good time to invest in debt funds, one can consider categories like AAA rated bond funds with average maturity duration of 3-5 years, G sec funds or funds which have predominant allocation in G sec.

"Trading effectively is about assessing probabilities, not certainties."

When it comes to trading, it's more important to focus on understanding the likelihood of different outcomes and making decisions based on those probabilities, rather than trying to predict the future with certainty.

"Data vs. Information vs. Knowledge vs. Wisdom"

(Data)
Data is raw, unanalyzed, unorganized material that is the result of observing events, environments, and ourselves by our senses and modern sensors.
(Information)
Information is the set of data that has already been processed, analyzed, and structured in a meaningful way to become useful, and usually represents patterns that can be recognized from data.
(Knowledge)
Experience and intuition lead to knowledge, which makes sense of information within the context surrounding that information.
(Wisdom)
Wisdom represents human beliefs, purposes, values and judgement which allows us to make decisions based on knowledge.

What is NPS
National Pension System (NPS) is a voluntary, defined contribution retirement savings scheme designed to enable the subscribers to make optimum decisions regarding their future through systematic savings during their working life. NPS seeks to inculcate the habit of saving for retirement amongst the citizens. It is an attempt towards finding a sustainable solution to the problem of providing adequate retirement income to every citizen of India.
Under NPS, individual savings are pooled in to a pension fund which are invested by PFRDA regulated professional fund managers as per the approved investment guidelines in to the diversified portfolios comprising of Government Bonds, Bills, Corporate Debentures and Shares. These contributions would grow and accumulate over the years, depending on the returns earned on the investment made.
At the time of normal exit from NPS, the subscribers may use the accumulated pension wealth under the scheme to purchase a life annuity from a PFRDA empaneled Life Insurance Company apart from withdrawing a part of the accumulated pension wealth as lump-sum, if they choose so.

Benefits of NPS
• Flexible- NPS offers a range of investment options and choice of Pension Funds (PFs) for planning the growth of the investments in a reasonable manner and monitor the growth of the pension corpus. Subscribers can switch over from one investment option to another or from one fund manager to another.
• Simple – Opening an account with NPS provides a Permanent Retirement Account Number (PRAN), which is a unique number and it remains with the subscriber throughout his lifetime. The scheme is structured into two tiers:
o Tier-I account: This is the non-withdrawable permanent retirement account into which the regular contributions made by the subscriber are credited and invested as per the portfolio/fund manager chosen of the subscriber.
o Tier-II account: This is a voluntary withdrawable account which is allowed only when there is an active Tier I account in the name of the subscriber. The withdrawals are permitted from this account as per the needs of the subscriber as and when required.
• Portable- NPS provides seamless portability across jobs and across locations. It would provide hassle-free arrangement for the individual subscribers while he/she shifts to the new job/location, without leaving behind the corpus build, as happens in many pension schemes in India.
• Well Regulated- NPS is regulated by PFRDA, with transparent investment norms, regular monitoring and performance review of fund managers by NPS Trust. The account maintenance costs under NPS are the lowest as compared to similar pension products across the globe. While saving for a long-term goal such as retirement, the cost matters a lot as the charges can shave off a significant amount from the corpus over 35-40 years of investment period.
• Dual benefit of Low Cost and Power of compounding: Till the retirement, pension wealth accumulation grows over the period of time with a compounding effect. The account maintenance charges being low, the benefit of accumulated pension wealth to the subscriber eventually become large.

Great example from Ronald Reid (Investing Story)

Morgan Housel's book 'The Psychology of Money' gives excellent lessons on financial planning.
Ronald Reid made headlines around the world at the time of his death in 2014. He was among 4,000 of the nearly 3 million Americans who died that year, whose net worth was more than $8 million.
Reed worked at a gas station fixing cars for 25 years and mopping floors for 17 years. The man, who once worked as a janitor, left $2 million to his stepchildren and more than $6 million to a local hospital and library. The discipline followed by Reed to maximize savings is excellent. He did it in good blue-chip stocks and kept patience while investing.
Here I want to emphasize on discipline regarding financial planning. You should be disciplined about your spending and investments. It is this discipline that assures you that you can achieve your set goals and that too within the same time frame. That's why it is said that financial planning is a practical aspect, which leads you to financial freedom.

Common mistakes that investors can make.

1. Not having a well-defined investment strategy: Without a clear investment plan, it can be difficult to make informed decisions and achieve long-term investment goals.
2. Timing the market: Trying to time the market by attempting to buy low and sell high is a common mistake. This strategy is often unsuccessful and can result in missed investment opportunities.
3. Chasing returns: Investing in an asset just because it has performed well in the past is not a sound investment strategy. This often leads to buying high and selling low.
4. Not diversifying: Not diversifying investments across different asset classes, such as stocks, bonds, Gold and real estate, increases the risk of portfolio losses.
5. Ignoring fees and taxes: High fees and taxes can significantly impact investment returns over the long term, so it's important to consider them when making investment decisions.
6. Emotional decision-making: Letting emotions guide investment decisions can lead to impulsive buying and selling, which can be detrimental to investment returns.
7. Failing to rebalance: Not rebalancing an investment portfolio can result in an allocation that is not in line with an investor's goals and risk tolerance.
8. Not staying informed: Ignoring financial news and market trends can lead to missed investment opportunities or exposure to unnecessary risk.
9. Investing too much in one stock: Putting too much money into one stock increases the risk of losses if the company performs poorly.
10. Lack of Professional expert advice: Expert advice is based on years of experience, education, and training. Without this expertise, individuals may make decisions based on insufficient or incorrect information. Expert advice can help identify new opportunities and help streamline processes and optimize performance.

By avoiding these common mistakes and taking a disciplined approach to investing, investors can improve their chances of achieving their long-term investment goals.

It’s not whether you’re right or wrong, but how much money you make when you’re right and how much you lose when you’re wrong..... George Soros

Investing is a long-term strategy and is not a get-rich-quick scheme. It requires patience, discipline, and a thorough understanding of the market and the assets you are investing in. Before making any investment decisions, it is important to have a clear investment strategy, set investment goals, and understand the risks involved.

There is no one-size-fits-all approach to investing, as each individual's financial situation, investment goals, and risk tolerance are unique. It is recommended to consult with a financial advisor or professional to help determine the best investment strategy for your specific needs and circumstances.

“It is never too early to begin planning for your retirement.”

Given the work you do; you might have made plans for your retirement. You want to enjoy life after retirement with your spouse, not worrying about anything.
A crucial aspect of retirement planning is to get done with major financial responsibilities during the working years. By having a fair idea of when you would like to retire, you will have a duration in mind within which you need to plan to pay for various obligations.
“Do not save what is left after spending but spend what is left after saving.” Warren Buffet.

The accumulated wealth over time will give coverage against unseen financial emergencies. Remember, saving money is essential to meet substantial expenses, avoid debt, ease the financial burden in the retirement phase, and leave a financial legacy.
Connect with your wealth Manager or financial planning manager for applying for a Pension Plan.

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Normally you will get the following formula when you search for How to achieve your financial goals?

Follow a 3step process and get closer towards your goal: -
1) Assess Your Risk Profile
2) Choose A Goal
3) Invest

If we turn our big dreams into smaller goals, we can achieve them!
And, in case of financial goals, we can reach there even faster by making the right kind of investments.
Well, for goals that are at least 5 years away, you should be investing in Equity Mutual Funds. While there are a lot of fund categories, you can stick to large cap funds or multi cap funds.
For goals you want to achieve in 1-3 years, the focus should be on capital preservation with some growth and for that debt mutual funds are ideal. If you don’t want to take too much risk, stick to low-risk liquid funds or ultra-short duration funds in the category.
And lastly, for your medium-term goals, things you want to achieve in 3-5 years, you can go for Aggressive Hybrid Funds. They combine the best of both equity and debt into one fund. So, while you get growth, there is some cushion too in the form of debt.
Call us or write or message, to know more about how can you save and invest for your life goals, NOW !
We are here to help.

Ideally, your net worth needs to be positive, which means the money you own is greater than the money you owe.

As you keep repaying your loans and fixed liabilities, your net worth increases gradually.
Having a personal balance sheet helps to know what you own and what you owe! It’s a pretty powerful tool to take your finances to the next level. It’s a statement wherein you can jot down your assets and liabilities. The difference between your assets and liabilities shows your personal net worth.
Before getting started, pull together your bank statements and other proofs of the liabilities. Then, list down your assets like the bank balance, investments, home value, and value of other assets. Take a sum of all the assets to arrive at the total value of your assets.
Investing can be a great way to channelize the extra cash and counter inflation. It can be used to grow wealth and divert it to goal accomplishment. The earlier you start investing, the better.
“Investing can be a bridge between where you are and where you want to be.”
Set up an appointment with your financial advisor or planner to know further.

'Invest Right' is perhaps the most important step and unfortunately, most people go wrong when it comes to investing.

The share market is always on the move and volatility is a fact of the matter. When we begin our investments into any kinds of equity or balanced Mutual funds, we have taken the first step towards building corpus for fulfillment of our goals and dreams.
In today's world of real-time alerts, and the 24/7 news cycle, we can often get lost, confused, and emotional. At its worst, today's financial media encourages investors to take excess action, which is actually one of the worst things one can do in investing. That's because the most important principle in investing is not how savvy your trading chops are, but something quite the opposite: patience.
It is patience which pays when you remain invested for longer period of time.
Investment in mutual funds provides us with cushion against such turbulences in share market. Mutual fund managers have an elaborate team of research and analysis professionals who keeps a tab on such conditions and take prompt, proactive and appropriate actions.
Time in the market is better than timing the market.
Feel free to call or message NOW to know further or to begin your journey with MFs.

“Only you can stop you from achieving your dreams”, well said by David Angway.

Proper planning, preparing and executing with discipline is the key to sustained goal of financial freedom.
“Wealthy people invest first and spend what’s left and broke people spend first and invest what’s left.”
“Save for the rainy days” is one of the popular Financial Planning Quotes that you must have heard at a certain point in your life.
Connect with your wealth Manager or financial planning manager to have a retirement solution customised for you.

Most dreams can be achieved by turning them into goals.

Small goals are like small steps of a religious place, everyone takes them to reach the destination, the sight of place of worship or almighty god.
Time is one of the most potent factors in investing because it brings the magic of something Albert Einstein once called the 8th wonder of the world- Compounding.
Most of us understand or at least know compounding thanks to the compound interest formula we studied in school. In investing, compounding happens when the returns your investments are generating also start delivering returns. This is sometimes referred to as “interest on the interest.”
However, if you need to see the power of compounding, you need to give it time.
This holds true for every kind of investment, including Mutual Funds. With Mutual Funds and especially Equity Mutual Funds, the long-term benefit of giving time and compounding shows its benefit is well known.
Start Small – Start SIP – Call or message for an appointment for further discussions or appointment.