Lalit Investments

07/08/2018

Stay Invested with

06/08/2018

Save your Hard Earned Money with . Call or Walk in !

05/08/2018

04/08/2018

Choking in Leh

Tim wakes up with a startle. It is 2 am, pitch dark and very silent.
He remembers that he is in Leh.
He is feeling breathless. He remembers his friends telling him that he will need to inhale oxygen directly from the cylinders kept in the store.
He also remembers that they have ample supply of oxygen. Although uncomfortable, he isn’t much flustered.
He gets up and drags himself out of bed. His head is heavy and he is barely able to walk. The walk to the store seems like ages.
He mutters to himself that soon he’ll be fine once he inhales the oxygen.
At last he reaches the room. He puts his hands into his pocket to feel for the keys but can’t feel a thing.
His mind is all fuzzy. His memory is failing fast. He can’t remember a thing. He has no energy left.
Time passes by and and with time even Tim passes away.
This example highlights what is popularly known as liquidity risk.
Many of us who own homes (real estate) live with this risk. But we never ever realise it. Neither we care about it. We always happily live under the notion that all is well and we are wealthy.
We assign a high value to the property based on half baked knowledge. However, let’s say there is an emergency and we need money very very urgently.
Quite obviously, we would look at selling the house?
Now when you do this you will invariably experience the following :-
1) Finding a buyer is one hell of a job
2) Getting the price you once were so sure of seems less likely
3) Completing the transaction takes a great deal of time.
You needed money badly and the time that it takes to close the transaction is way too long.
Now what do you do?
I guess one has not much of a choice but to bear the consequences.
This is liquidity risk and more often than not we discount this risk. We live in denial and take things for granted.
So if this concept is well understood, you’ll not allow yourself from getting choked. Keep the oxygen cylinder handy. It is a matter of life and death.
Invest in mutual funds instead.

Happy Investing!

LALIT INVESTMENT

Lalit Bhagchandani

Contact us : 9850503034, 8080088878, 0251 2302003

Email us : lalit.bhagchandani

Follow us : https://www.facebook.com/lalitinvestment/

03/08/2018

with

02/08/2018

Start Planning for your with add to your . ! !

01/08/2018

It takes time to create great things. Similarly, be patient and give your Investments time and a great wealth will be created then. To know more of it, contact

31/07/2018

When your pot of is watched by Tension Free because it never boils. !

30/07/2018

Walk In for planning your Child’s Financial Future.

29/07/2018

Story of the Week

28/07/2018

4 Things to Plan a Good Retirement

“Just because you’re old doesn’t mean you can’t get up and do something different.”

After decades of walking up to the alarm, shifting through heaps of paperwork and navigating rush hour traffic, you can see the bright lights of retirement at the end of the tunnel. However, just spotting the light is not enough, you need to work towards those golden moments.

The time to hang up your boots is just around the corner but that doesn’t mean you need to slow down or let go of the things you like. If you can iron out the knots in time for your retirement, then your golden years can be truly golden.

Here are 4 things you can do for a good retirement:

1. Visualise your last day at office

Retirement is an emotional event. The transition from working to retired is a sentimental feeling and it is essential to visualise what you would like to do after you retire. Whether you want to travel with your family or sit in the park and gossip with your buddies, it all depends on what you do today. Starting early will give you more time to do what you really want.

2. Increase investment as your income grows

It is human nature to procrastinate and we all do our best to push things to that elusive tomorrow. Not many people keep updating their investments according to their retirement goals. Though inflation plays a role, increasing your investment as your income grows, will help to generate a larger corpus over the long-run. It’s time to turn your game up and match your investment with your income; think about all the trips you can take with the extra income!

3. Healthy and Wealthy!

For most to-be-retirees, medical expenses are one of the greatest concerns. Check your health care options before you retire. You don’t want to be stuck wondering whether you have enough money to foot the bill or not. Having a good insurance cover for critical illnesses as well is beneficial for you in the long-term. Additionally, giving your body a good dose of exercise and diet will add more happy years to your retired life.

4. Budget it

Keep a check on your expenses. One of the biggest problems for to-be-retirees is not to outlive their savings. Tomorrow’s retirees need to account for increasing cost of living and longevity. You want to do more than just sit around and sip on endless cups of coffees. Also, getting your money to the bank before you spend it all, will give you the opportunity to indulge in compounding and earn more on your savings.

Getting a head-start will let you slip into reality and bring your dream retired life to centre stage. Give your expenses a break and increase your savings and benefit in the long term. This may seem like a stretch but imagine the times you will be sipping your favourite drink at your favourite spot.

Happy Investing!

LALIT INVESTMENT

Lalit Bhagchandani

Contact us : 9850503034, 8080088878, 0251 2302003

Email us : lalit.bhagchandani

Follow us : https://www.facebook.com/lalitinvestment/

27/07/2018

Humble Tribute to Our Former President of India, Legendary Scientist, Bharat Ratna Shri. Dr APJ Abdul Kalam on his Death Anniversary.
India will always remember his contribution. His thoughts and preaching are always alive in the hearts of every Indian.
We salute you Kalam.