CFP, Mid & Small cap Specialist, Data & Number Crunching, Crorepathi Creator, Financial Coach. On a mission in making Millennials to Millionaire Indians...
These are my belief statements, few may agree & if u don't, see it as different perspective. Without implementation, learning anything is of no use. Investing is not easy, controlling emotion is tougher. Advise without understanding of the receiver is dangerous.
#fortuneplanners
The 12-step Script that an Indian Software Engineer, who arrives in the USA, mostly follows - Forwarded as Received. 🙏🙏🙏
𝗦𝘁𝗲𝗽 𝟭
As a student, work hard to fulfil three goals
(A) Pay off the Student Loan
(B) Get a job anywhere in USA
(C) Get H1-B approved
(This one is
Today many are so much obsessed with Financial Freedom and how much is enough to announce that I am Financially Independent so on and so forth… Very Interesting WhatsApp Forward 🙏🙏🙏
How Do You Know You Are Rich?
Amazing answer by an IIT student.
When I was doing my B Tech,
Clip taken of a child whose mother died while giving birth. Heart of the woman was donated to the person wearing a black shirt. Watch reaction of the child when the person wearing black shirt holds child. Child can recognize heart beat of the mother. Video recorded in Singapore.
👆A girl with wedding cards was caught on the airport. At airport, they discovered that the cards contained drugs. Just imagine, if someone had given U these cards & said that let them be with U till we're out of airport. Be careful. Don't take anything from anyone on the airport
Scenario 1 – Go for Home Loan Maximum Tenure
Are you planning to take a home loan? It's common to go for a shorter tenure to pay less interest and complete the loan sooner. However, our suggestion is to opt for the maximum tenure you are eligible for and invest the difference in
The full credit goes to the driver for keeping his nerve under control and driving the car in reverse looking at the rear view mirror! Exemplary courage indeed!
10 Year SIP Value of worst Small cap is almost equal to 10 Year Best Large cap fund value! It clearly demonstrates for SIP one needs to invest more volatile funds!!!
Lump sum vs SIP. Hope this can explain better than my wordings. Its real data. Many investors have this doubt, if you really like this please retweet, so that it reaches maximum investors. 🙏🙏🙏
I keep sharing this data almost 3 years on a regular basis. Top large cap fund SIP return is almost equal to Bottom of small cap. Long term Small cap & Midcap SIP is the way forward if you understand the data. Life is after all full of choices. Choices has consequences!
How to Create 1000 Cr for your children. It is just for illustrative purpose. MF investments are always subject to Market Risks. It is just an attempt to do that and I am in the mission already. Let me try to demonstrate how far I can reach in that journey. Power of SIP & Equity.
SWP (Systematic Withdrawal Plan)
Most underrated and the best investment tool when it comes to regular cashflow (Retirement Planning).
The beauty of SWP is - one can set up anytime & increase or decrease their cashflow as their need changes. In case if there is an emergency,
Whenever you have decided to Buy your Dream House, please do the following religiously.
1. Always go for a maximum loan you are eligible with, though you have the money to purchase fully.
2. Always go for a maximum duration, do not look at the interest you are going to pay by
120 Mutual Funds has generated more than 15% CAGR in the last 10 years. It clearly demonstrates how big Mutual Fund investment is. Challenge is need handholding during the volatile period. No other asset class has more certainty in the long run than Mutual Funds.
I have analyzed all equity funds (excluding sector funds) that completed 20 years as of September 30, 2024.
For instance, an investment of 10K per month through SIP over the past two decades amounted to 24L. I have also calculated the returns and XIRR for this investment
10 Years of SIP of all the Small cap funds completed 10 years versus No. 1 Large cap in the last 10 years. Look at the difference in SIP returns.
@KiranRajput_
1 Lakh Invested in Jan 2020 in Small cap, how it travelled will explain you to understand MF is volatile investment not RISKY Investments. As long as it is LT, no need to worry about draw downs, instead need to invest more if there is a surplus.
#fortuneinvestment
I keep sharing the data time and again. Top performing large cap fund performing is nearly equal to bottom performing Mid & Small cap. It makes all the sense to invest in SIP for your long term goals in Mid & Small cap than large cap that is what the data keep informing, if
This is one day movement of quant, market has not delivered 2% yesterday, most of their funds delivered more than 2%. This is for your observation. Your expense ratio hardly matters for those who are performing. It is not recommendation, do your homework. Suddenly someone will
She is an Indian who has puzzled the world by solving mathematical calculations faster than America's super computer. Note the speed of her calculations...
PPF has always been a popular investment choice due to its guaranteed returns and tax-free future value. But is it the best option for everyone? Recent data suggests mutual funds may be a better choice in the long run.
Comparing PPF with mutual funds in four scenarios, mutual
An Old Farmer writes to his Son who is in Prison:
"Dear Son, this year I won't be able to plant Potatoes because I can't dig the field by myself, I know if you are here, you would have helped me".
The Son writes back, "Dad don't even think of digging the field because that's
Met someone recently he told I bought a ground in Chennai in 1995 for 1 lakh and now it is 1 Cr. It is 100x.
I told if the same 1 lakh invested in Nippon India Growth Fund, can you guess how much?
He told roughly 50 Lakhs.
I told it is 3.5 Cr.
Real estate investments are
Very profound statement. Rakesh Jhunjhunwala said in 2012:
Wealth making can be outsourced; wealth can be inherited.
But Health - you have to focus on it, work at it relentlessly and with discipline; in short you must earn it. You cannot outsource it, you cannot inherit it.
All about quant. quant AMC Crossed 30,000 Cr AUM. March 2020 their AUM stands less than 250 Cr. 13 quarters their AUM Multiplied by whopping 120 times. Still many investors & intermediaries are waiting to enter. Could not believe their performance. Congratulations quant AMC, you
Questions to many of the investor mind is when I have 36 lakhs rupees why should I take home loan instead I can very well give the money.
Challenge here is, your interest which is nearly 30 Lakhs why BANK should earn, very pertinent question, but at the end of the day, what
New Investment Strategy
If somebody invested in DSP Small cap when it was peak in Jan 2008, let us say Rs. 1 Lakh, today the value after 15.5 Years is 8,74,495 and the CAGR is 14.86% not bad even investing market peak as well.
Most of us talk about SIP and it is important, yes
Let us assume the property price is 1 Cr and I have a cash of 1 Cr the conventional wisdom is to pay 1 Cr and get the home so that I don't want to get into any loan. Loan is very bad. Majority of the people will choose this option because they are emotional.
What the practical