Balajee Capitals

29/11/2023

https://youtu.be/V4t3GAZUcnQ?si=p0xlSmDI-XzZqGLO

Women & Wealth

My Tedx Talk👆

Must watch the recording, like, comment, share n subscribe 👆🙏

In this talk, speaker Dr. Amit Kumar Mahto has shared how women are leading everywhere , but when it comes to money management and wealth management they tak...

08/10/2018

Nifty down from 11700 to 10300 in a very short period.

*What to do now??*

A lot of investors have started calling me to ask whether they should invest more at this time.
My answer is *Yes* provided you have a long term view of at least five years to stay invested.
If you looking for making some Quick Money by investing at this point of time, then My Answer is *NO*

The very nature of the market is to remain *Volatile*... and it is going to remain *Volatile* forever. Every fall in the market is followed by bounce back.
Historically, market falls are temporary and rise are gradual and permanent.
*Year* *Sensex*
1980 150
1990 1500
2000 6000
2010 21000
2018 38000

Think of year 2020, 2030, 2040 and beyond... You will be able to keep the noise out of your mind.

At this point of time, it reminds me the Golden lines of legendary investor Warren Buffett;
*Be greedy,*
*when others are fearful..*
*Be fearful,*
*when others are greedy.*

We firmly believe that *Wealth Creation* is a long term process. It will take time. There is no short cut to Wealth Creation.

*Three Golden Rules of Investing:*
1) Invest Early
2) Invest Regularly
3) Invest for Long Term

*In a nut shell,
What you should do now is,
Double up your SIPs or top up with Lump Sum investment... It is always beneficial to buy at discount.*

25/09/2018

SIP = Systematic Investment Plan :-
(1) नए जमाने का नया निवेश.
(2) इसे समझना बिल्कुल आसान है .
(3) महंगाई से लड़ने में सक्षम है .
(4) नए जमाने का Recurring Account.
(5) इसमें कोई छुपे खर्च नहीं होते़ हैं , संपूर्ण पारदर्शी .
(6) प्रति माह 500, 1000 जैसी छोटी रकम से भी निवेश किया जा सकता है.
(7) छोटी और लंबी अवधी के आर्थिक एवं वित्तीय लक्ष्य तक आसानी से पहुंचा जा सकता है.
(8) आप प्रतिदिन , प्रति सप्ताह , प्रतिमाह, प्रति तिमाही आपकी जरूरत के हिसाब से निवेश कर सकते हैं.
(9) इसमें आपको निवेश की तिथि याद नहीं रखनी पड़ती क्योंकि इसमें ECS के माध्यम से Auto Debit की सुविधा उपलब्ध होती है .
(10) अपनी पसंद के हिसाब से आपकी निवेश की तिथि का चुनाव कर सकते हैं .
(11) इसमें कोई लॉकिंग पीरियड नहीं होता, आप जब भी चाहे इसे शुरू और बंद भी कर सकते हैं .
(12) जितनी जल्दी शुरूआत , उतनी ही ज्यादा बचत ,उतनी ही ज्यादा फायदा .
(13) SIPकरें और चक्रवृद्धि की ताकत का लाभ उठाएं .
(14) EQUITY SIP से मिलने वाली रकम 100 % कर मुक्त मिलती है और DEBT FUND SIP में बहुत ही कम कर चुकाना पड़ता है.
(15) SIP में आपका पैसा संपूर्ण सुरक्षित है. म्यूचुअल फंड का सारा कार्य SEBI की देखरेख में किया जाता है .
(16) अपने जीवन के हर एक छोटे छोटे आर्थिक लक्ष्यों को एसआईपी के साथ जोड़कर इसमें निवेश कर सकते हैं.
(17) क्या आप शेयर मार्केट में निवेश करने से डरते हैं? तो SIP आपके निवेश के लिए आसान तरीका हो सकता है.
(18) SIP करने के लिए आपको डीमेट खाता खुलवाने की कोई आवश्यकता नहीं होती है .
(19) एसआईपी में निवेश करने से आपको शेयर बाजार के उतार चढ़ाव का लाभ मिलता है.
(20) SIPमें आप जब चाहो और पैसा डाल सकते हैं और निकाल भी सकते हैं.

24/09/2018

Systematic Investment Plan (SIP): Get into the Habit of Regular and Systematic Investing

Looking for ways to create wealth?

Start with admitting that neither wealth creation can happen overnight nor money left idle can grow on its own. 'Investment' is the only way to make your money grow. In this blog, you will read about Systematic Investment Plan (SIP) and know about its wealth creation potential. SIP is not a product, it is a concept. Basically, it is a route to investment in mutual funds at a disciplined and regular manner. Through SIP route, you are allowed to invest a pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). The process of ex*****on is like recurring deposits, but SIP makes you invest in mutual funds.
There are various advantages of taking up the SIP route. Primarily, it makes you a disciplined investor and inculcates in you the habit of regular saving and investing.

Systematic Investment Plan (SIP): No Need To Time The Market

There are various investors, who understand that although risk-oriented but equity mutual funds have high wealth creation potential. So there are many who wish to invest in Equity but they hesitate to go ahead because they think equity investments require timing the market. For all such investors, SIP is the best route because, with the systematic investment plan, it is not important what time you enter the market, rather it is important how much time you are in the market. In other words, you need not to time the market if you are investing in mutual funds through the SIP route.

SIP: Rupee Cost Averaging

When you invest through SIP, you become a regular investor. So it doesn't matter when you are entering the market. For instance, you want to invest Rs. 2000 on a monthly basis. Since you will be investing every month, you don't need to keep a track whether the market is up or down. You just have to invest regularly. If in the month of April, the NAV of one unit of your fund is Rs 20, then with Rs. 2000 you will buy 100 units. If in the month of May, the market goes down and the NAV becomes Rs. 15, then you will buy 133.3 funds. Likewise, if in the month of June, the market goes up and NAV becomes Rs 25, then you will buy 80 units.

At the end of your investment tenure, say 3 years, the average of your accumulated no. of units will be calculated and accordingly you will get your returns. This concept is known as Rupee Cost Averaging. In SIP, you don't buy your units in one go, rather you buy units month-on-month and finally takes up the average of your no. of units. This way, you have the chances of buying more units compared to what you buy during one-time investment in mutual funds.

In one-time investment (lump-sum) investment, you get to buy your units only once. Therefore, you need to time the market. You profit if you enter the market when it is low. If you don't time the market and enter randomly, then you may end up buying fewer units, if the market is high. The best way to avoid this hassle is to take the SIP route.

The only rule of thumb in SIP is to invest for long term, minimum three-to-five years. The only you can benefit from Rupee Cost Averaging.

Conclusion:
Systematic Investment Plan takes the advantage of market volatility. So as an investor, don't fear the markets ups-downs. Be the systematic investor and invest regularly. Better is to link your SIP with your long-term financial goal like retirement planning, children future planning etc. And this way you will easily be able to maintain your investment for a long term.

07/07/2018

Of Past & Past Performances
*****
Most problems are trapped in part performances

1) We invest in FDs because our parents did. What we dont realise is the fact that interest rates have climbed down and better options have come up. We still live in the past because change is pain.

2) We still believe that buying house is a good option. This probably was a good option at one point in time when the rent law ensured that people rather keep their houses empty than giving it on rent because the law encouraged tenants not to vacate. Therefore people struggled through life and made their dream home. Today the law has changed and best of homes are being rented out at 2% yield. Moreover standardization of houses means we have a large supply of quality homes to choose from.

3) Jobs are safer than business: This was the held belief as we grew up. Those were the times of job security. This no longer holds true. Today jobs may be high paying but jobs are vulnerable. Retirement age remains 60 only on paper. Otherwise 50 our less is the retirement age. With more than 10 best years vanished how does one live through a long retirement without entrepreneurial thinking.

4) Saving is the only way of good living. This probably true in the past but one needs to now observe using new lens of investing and compounding which not only ensures you have more wealth but also consumption a virtue. While self medication or do it yourself was the investing norm back then during the FD and fixed income era, it no longer holds good today. A FINANCIAL ADVISOR brings solutions not only for wealth creation but also for good living and optimum spending. Spending helps you to live well but also keeps the economy healthy

5) We grew up believing that medicine and engineering were default careers.While engineering has nearly dried up with vacant seats year after year other creative options have sprung up. Film making, animation, design, sports which were perhaps looked down upon in the past have become better choices.

6) Back then we looked down upon those who couldn't make it to the science stream and chose commerce and arts but now tables have turned upside down and how. Science which the 'in demand' steam has completely lost out too commerce and science. Still there are parents who cannot rise above the tried and tested formula of Engineering+M.B.A+Job.

7) Getting educated abroad was the gold standard. US and the western world was the gold standard. There are many who still believe so and blow up crores of rupees on their children's education abroad even though job opportunities there have shrunk and in all likelihood these children will be back home hunting for a job which will award no additional premium for foreign education. If education is the objective then find out about distance learning. And if experience is what one is seeking for then select an exchange program which makes you spend time with a family in a foreign land. That way you not only get rich learning of cultures and learn the tricks of adapting and adopting but also it comes at a pittance compared with University education. Traveling and holidays too is a better option than doing the same in the garb of education.

This can go on and on in every area.All that is needed is some serious introspection.

What clearly emerges from all this is the fact that past performance is definitely no formula to forecast our future.

We need to observe and reinvent ourselves throughout our life.

21/03/2018

INDIAN STOCK MARKET FACTS

1. Bombay Stock Exchange (BSE) in India has the highest number of listed companies in the world with an estimated 5,689 companies. National Stock Exchange (NSE) of India has around 1,750 companies.

2. The most expensive stock in world is the Warren Buffet’s Hathaway, Class A, which is priced at
USD 2,13,330 per share. The reason for such a high price is that the company doesn’t splits the shares.

3. The oldest stock exchange in the world is Amsterdam Stock Exchange, which was established in 1602 by Dutch East India Company dealing with the printed stocks and bonds.

4. The NYSE MKT LLC earlier known as American Stock Exchange (AMEX) was originally New York Curb Exchange until 1953. Because brokers used to trade their things standing by the curb of the New York City.

5. In India, out of 22124.14 INR billion household savings, only 2% goes as investment into equities. People in India are more inclined to invest their money in gold, banks and in real estate.

6. The terms “Bear” and “Bull” are thought to be originated from the way of attacking by each animal, with the bull thrusting its horn up in the air, while a bear swiping downwards. Historically, the middleman used to speculate on the future price of the bearskins by selling them which they yet had to receive from the tappers, with the expectation that the price will drop. They used to call the middleman as bear jobbers and in short “bears” which is known to describe the downturn in the market. As bull was assumed to be opposite of the bear at that time so it was termed as the upward movement of the market.

7. Historically, on an average the market declines mostly in the month of September. The three leading indicator DJIA (Dow Jones), S&P 500 (Standard and Poor) and NASDAQ have seemed to be performing poorly in this month. One of the reasons for this is that the trading volume declines in summer as the investors take time for vacation and once they return to work, they exit positions they had build up.

8. The financial bubbles, dot com bubbles we had come across in the stock market aren’t the first things that happened. Way back in 1711, the share prices of South Sea Company collapsed as they were in the midst of a huge bubble.

9. October is considered as the jinxed month as the two worst stock market crashes in history occurred in this month. The first occurred in 1929 with a 25 percent declined in the share prices, and by 1932 the value of shares was just 20% of the value of shares in 1929! The next crash occurred in 1987 October when the stock market declined by one fourth!

10. In the year 2006, one third of the all stocks traded in US and European Union was traded through Algorithmic Trading, a trading system heavily reliant on the mathematical formulas and high speed algorithms and computer programming. And by 2008, almost around 80% of trading was being done by algorithms, however due to various regulations the trading volume via algorithms in percentage terms declined after 2008.

11. The Dow Jones Industrial Average (DJIA), a priced weighted average of 30 significant stocks traded on NYSE and NASDAQ was created by Wall Street Journal editor and Dow Jones & Company cofounder Charles Dow. However, it is named after Dow and one of his associates, Edward Jones.

12. The highest-volume day on the NYSE (New York Stock Exchange) was on January 4, 2001, when 2,129,445,637 shares traded. The lowest volume was on March 16, 1830, when only 31 shares traded.

13. Till the year 2000, markets in US, London and Paris were trading on prices which were in fractions and not in decimals. But after year 2000, this changed and all these markets moved to decimals. This made it easier for an average investor to better understand the value of stocks.

14. The Securities Exchange Commission (SEC) in United States of America (USA) was created in 1934 by the Securities Exchange Act to regulate the securities market, prevent fraud and enforce laws that require companies to provide full disclosure regarding their financial information.

Truly for the Profession...

15/03/2018

14/03/2018

Financial Tips For 2018:

1. Avoid buying property on loans as it eats most of your earnings unless you have a clear plan for its repayment. It's important to monitor cash flow. Though, the house will be your asset, your liability will be much more.

2. Start a SIP at a very young age. Try to save atleast 15–25 % of your earnings.

3. Avoid buying a car unless you use it everyday.
4. Do not let this sentence scare you. “Mutual fund investment are subject to market risk. Please read the offer documents carefully before investing”. Most people avoid investing in mutual funds just because of this one warning. Yes, there is a market risk, but look at the history and growth of mutual funds.

5. Try having a simple wedding.

6. Atleast 20% of your wealth should be liquid so you can utilize it when necessary.

7. Considering inflation, you are actually losing money if it is in savings bank account. Do not keep huge money in savings bank account.

8. If you invest in stocks, pay due attention.

9. If you invest in stocks have a separate account for delivery investment and Intraday investment. It is easy to monitor this way and also makes tax calculation easy

10. Do not have a belief that property and car make you rich. Its what you save and invest, that is important.

11. Never invest in insurance for returns. Insurance is not an investment option. It is a risk management tool.

12. Never use credit cards for lavish spending. Use credit cards intelligently and for needs not for wants.

13. Cancel all credit cards before you die. Or inform family about all your accounts, credit cards, loans and saving now itself. Even a small residue will cost your family much.

14. Invest on yourself and then on other investments.

15. Always try to balance your earnings with your savings first, then on spending and loans. Never take unnecessary loans. Always have reserve and utilise them and unless no other go never take loan.

16. Always have a plan for future events on your career, life, spending and finance.

17. Always have a reserve on your savings for contingency and urgent situations.

18. Your personal life and health are the most important investment. Do have a regular health check and do healthy workout every day. Stay healthy and live happily.

19. Always remember death can come anytime.....so please do buy adequate term Insurance if you have dependents.

20. Prepare a Will. It may avoid unnecessary fights after you die.

*Think & implemet

12/03/2018

31 March aa raha hai… Kya aap taiyaar hai?
Abhi bhi der nahi hui… Invest with Kotak Mutual Fund today!

Know More: https://goo.gl/iK3X1a
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