Tuesday, March 14, 2017

sometimes it's hard to open your hand..

A Lesson From Cricket World Cup

A Lesson From Cricket World Cup
Tendulkar made a duck in the world cup match against minnows Bangladesh and the team also lost the match.
He returned home and was contemplating resignation.
However his brother intervened and told him that he must continue servimg the team with his contribution.
The team needed him for his game, his mentorship and his experience.
One's effort isn't to be a winner or a loser.
It is to serve and make the world a better place.
So retire you must but not now. This ain't the time. Now is the time for you to clear the mist that has formed before your eyes so that you may once again see your goal.
Imagine the world cup of 2011 in your hands. Shut your eyes and imagine hard. See the cup in your hands. Get your focus back in place.
And history got indeed written at the Wankhede stadium in 2011 when Dhoni hit the championship six and Tendulkar indeed had the cup in his hand.
In the world of personal finance, a man or a woman whose financial assets take a hit during a market down turn too need a Financial Advisor who who will :-
1) Stop the investor from quitting
2) Point towards the goal and reaffirm his determination.
3) Motivate him to continue his SIP
The above 3 mantras if followed will take the investor towards experiencing compounded returns and achieving his targeted goals.
And if one were to ignore the same and give up by redeeming his investment, the magic output of compounding would be lost, perhaps forever.
Hope you now understand why a guru, a leader, a Financial Advisor, a mentor are a very crucial ingredient of our lives.

Sunday, March 12, 2017

respectful Holi.

Imagine if your investment was redeemed without your permission. Or if someone scratched your car without your permission
Please do not color people without their permission. Observe a respectful Holi.

Saturday, March 11, 2017

Don't Forget...

Good Morning
Don't forget to apply oil,
braid your hair and
apply sunscreen before going out to play Holi.

Usage of colours made by Palash Flower Extract in Holi, is good for our skin & health Happy Holi.

Happy Holi

Selecting the CORRECT COLOUR adds beauty to life.
Selecting the CORRECT FUND adds Wealth to Portfolio.
Take the help of your Advisor & get the Right Colour combination to have a Colourful Life!!
Happy Holi!!!

Lessons of Personal Finance from BJPs performance

1)Have a clear goal ; Development for all is their goal and being consistent about their goal has been their strength. This was their goal in the general election and has been the goal in all subsequent elections. 2) Keep moving and be focussed on doing rather than saying. Sustain your SIP.
3)Ignore market noise. Opposition trying to tarnish the image of the BJP as a non secular party even though the party itself is saying sab ka vikas , opposition screaming hoarse about demonetization. The trick is to ignore market noise and keep doing your SIP. Don’t allow your investment strategy to get derailed.
4) Have trust in your leader /Financial Advisor. Don’t look at your competition but instead look at the larger picture which in the financial context translates to focus on the long term rather than the short term. Take short term failures on your stride and move on. For BJP Delhi and Bihar were failures but to move on without changing the focus on the vision was their way of persevering. Do it with your SIP. Trust the economy, trust the market. Don’t worry about short term losses. Don’t look at FD.
5) Patience and efforts pay rich dividends in the form of compounding both in the political context and in the context of personal finance.

Thursday, March 9, 2017


Economic Times

Business Standard
Ø  US firms imposing new clauses on Indian cos fearing Trump
Ø  Mines auction to fetch states Rs 1.5 lakh cr in 2017-18
Ø  NBFC cash loan against gold restricted to Rs 25,000
Ø  Let govt employees invest 50% in equities under NPS
Ø  Hawaii sues Donald Trump over new travel ban
Ø  Govt releases draft rules for m-wallets, smart cards
Ø  Auction looms large over debt-ridden GVK Group

Ø  Arun Jaitley, Urjit Patel to discuss NPAs, 'bad bank' today
Ø  Upside to corporate profitability limited in FY18: CRISIL
Ø  CAD to increase 50% to $30 bn in 2017-18: ICRA
Ø  Govt cracks down on misuse of P-Notes
Ø  US weekly jobless claims rebound from 44-year low
Ø  Jindal loses all three coal mines as Delhi HC rules in Govt's favour
Ø  Rel Inds' over 10% shares exchange hands via block deal
Business Line

Ø  India and Belgium sign Protocol to amend DTAA
Ø  $55 b inflow from domestic investors possible by FY19: Citi
Ø  ICEX likely to restart operations by month-end
Ø  DRL’s gets 13 observations from USFDA for Duwada facility
Ø  IFMR Capital, Sumitomo Mitsui Banking ink pact
Ø  France’s GDF to exit Petronet by selling entire 10% stake

Ø  Parliament passes bill to raise maternity leave to 26 weeks
Ø  RBI opposes $1.17 bn settlt pact between Tata and Docomo
Ø  Delhi HC bars Cipla from selling Novartis’ respiratory drug
Ø  SC asks Vijay Mallya whether he truthfully disclosed assets
Ø  D-Mart IPO oversubscribed 5.71 times on Day 2
Ø  Indian banks at risk of skipping coupon payments on bonds, says Fitch
Financial Express

Financial Chronicle
Ø  China warns of 'trade war' if United States ignores World Trade Organisation
Ø  Insurers may offer discounts to customers via e-commerce sale
Ø  Oil bulls blink after months of attempts to push crude prices higher
Ø  Huge potential exists to boost trade with Africa: Nirmala Sitharaman

Ø  Trai moots PDOs, aggregators for low-cost public wi-fi service
Ø  Google acquires Kaggle in boost to data play
Ø  Sensex extends losses ahead of exit polls; down 87 pts
Ø  DeMo has reinforced faith in gold: WGC
Ø  Centre for scrapping of stamp duty on affordable housing projects
Ø  Price control may come back to iron ore, coal
(Click on link to view article)

Wednesday, March 8, 2017

Powerless or leave it to compounding and be powerful.


Economic Times

Ø  SBI justifies penalty, says need money to bear Jan Dhan costs
Ø  CPSE stake sale: Govt wary of foreign investors
Ø  Reserve Bank opposes Tata move to pay Docomo
Ø  Our services are not for free: HDFC's Aditya Puri
Ø  Indian drug makers can export patented meds for approval: Delhi High Court
Ø  Paytm will now levy 2% fee when you top it up using your credit cards

Business Standard

Ø  Long wait for a shorter trade route to Russia ends
Ø  I-T dept lifts freeze on Cairn Energy payout, but bar on stake sale stays
Ø  Investors now trust India story: LSE
Ø  Steel exports shoot up 150% in February, imports decline 46%
Ø  Sebi relaxes restraint order in castor seed controversy
Ø  Note ban boost to digital payments continues: Study
Ø  Reliance Jio understated revenues, forex gains not included, says report

Business Line

Ø  Industry body bats for universal basic income for women
Ø  Mahindra Lifespace gets SEBI approval for Rs. 300-cr rights issue
Ø  Merc sales ‘back on track’ with Q1 growth
Ø  Groupe SEB India sees Tefal range heating up growth
Ø  Vedanta pledges to raise women board representation to 33%
Ø  Reliance MF’s CPSE ETF to open on Mar 14; to raise Rs. 2,500-cr


Ø  Digital payments decline as cash returns, shows RBI data
Ø  D-Mart IPO subscribed 1.36 times on Day 1
Ø  Paytm valuation near $5.9 billion as 3 investors sell stake to Alibaba
Ø  Glenmark gets USFDA nod to start phase-II clinical trials for respiratory drug
Ø  Instacart said to raise funds valuing start-up at $3.4 billion
Ø  Three Indian firms among the 50 most promising start-ups in the world

Financial Express

Ø  H1B, employment based green card to be reformed: US Senator
Ø  US already in trade war: Commerce Secretary Wilbur Ross
Ø  Govt makes Aadhaar mandatory for crop insurance policies
Ø  Music Broadcast IPO subscribed by over 39 times on overwhelming interest in all categories
Ø  China grants preliminary approval to 38 new Trump trademarks

Financial Chronicle

Ø  Sugar import at zero duty on the cards
Ø  Cement prices rise in north, dip in south
Ø  Govt lines up 9 rail PSUs for IPO
Ø  Adhere to spending cap in March: FinMin to ministries
Ø  Flipkart’s hedge fund boss is looking for $1.5b
Ø  Maruti to launch four new models in 2017-18

Investment Lesson from team India’s victory

If team India was a mutual fund, most investors would have started the process redeeming when the team scored another low score in their first innings.
And the moment Australia took the lead, the redemptions would have accelerated.
By the time the team collapsed in the second innings all but a handful would have redeemed.
The handful who then experienced the power of compounding over the last two hours.
When the last minute surge is experienced and compounding takes root, alas it’s a little too late in the day to get back into the fray.
No wonder it is lonely at the top.
Staying invested is lesson learnt to be so easily forgotten.
So silly. Isn’t it so?

Classic example of inflation when I bought MILK today morning....

Classic example of inflation when I bought MILK today morning....😱😱😳😳

Amul hikes milk price by 2 rupees per litre.

Rate in  March 2007 per litre after 2 rate hike in 2006...

Gold 19
Shakti 17
Taza 15

Today's rate

Gold 52
Shakti 48
Taza 40

Milk price (INFLATION/ MOGHWARI) increased annually by 10.5%

You bank FD, insurance policy, gold and real estate can't beat this inflation  ( 5- 6 % tax free return of such investment)

Your return (5%)  - Inflation (10%) = 5% LOSS on your Investment

My Finology always reminds you that INFLATION is the biggest risk in the world.

Do you know the PROFIT or LOSS of AMUL?

The profit of this business is more than inflation (15-20%). You should buy this business via equity investment.

There are many good businesses (like banking, software, petroleum, pharma, hospital, auto, consumer  and many more) which beat inflation significantly.  For that you have to buy equities  so that you become a parter of that businesses.

But how do you find such good businesses?

It's not your cup of tea but YES , it's a job of fund manager. So you must invest via mutual fund to beat inflation  ( 12-15% tax free return)

Still you think, you beat inflation by investing in traditional investment instruments like, FD, GOLD?

Tuesday, March 7, 2017

Before investing for tax savings know this..

Below is the list of investments/expenses eligible for deduction u/s 80C:

Provident Fund (EPF/ VPF)
Public Provident Fund (PPF)
Sukanya Samriddhi Account
National Saving Certificate (NSC)
Senior Citizen’s Saving Scheme (SCSS)
Tax Saving Fixed Deposits (for 5 Years)
Life Insurance Premium
Pension Plans from Mutual Funds
Pension Plans from Insurance Companies
New Pension Scheme (NPS)
Tax Saving Mutual Funds (ELSS)
Central Govt. Employees Pension Scheme
Principal Payment on Home Loan
Tuition Fees for up to 2  children
Stamp Duty for registration of Home


Economic Times
Business Standard

Ø  Funds to be ready for govt schemes from Apr 1: FM
Ø  Note ban hits cash stash of 11 billionaires, Ambani still richest
Ø  US trade deficit jumps to 5-year high of $48.5 billion
Ø  India top source of illegal medicines in Switzerland
Ø  Jasper's 'snap deal' with SoftBank may cut its valuation by half
Ø  Brookfield in talks with JP's power assets
Ø  FM-led panel to decide on labour codes today
Ø  India going big on refining capacity; may overtake Russia in capacity
Ø  No reason to doubt GDP data, says CII's Chandrajit Banerjee
Ø  I-T notices to 4,000 firms over unusual cash deposits
Ø  BSNL, MTNL merger plan back on discussion table
Ø  Rupee scales near 4-month high of Rs 66.67, up 4 paise
Ø  India announces new licensing policy to boost oil output
Ø  WikiLeaks publish thousands of what they say are CIA documents

Business Line

Ø  SEBI may soon give green signal for ‘accredited investors’
Ø  Tata Motors in talks with Volkswagen for partnership
Ø  India open to investing in US energy market: Pradhan
Ø   OPaL in talks with Kuwait’s PIC for stake sale
Ø  MakeMyTrip, PayPal partner for hotel bookings
Ø  Cyient acquires US-based Certon Software
Ø  Canadian pension fund CPDQ looks to buy stake in Kotak Mahindra Bank
Ø  United Breweries files appeal against winding-up order
Ø  Coal India lowers dividend by 32% with Rs11,640 cr payout
Ø  Tata Motors unveils sports car Tamo Racemo, launch seen in FY18
Ø  Inox Renewables to sell wind power assets to Leap Green Energy

Financial Express
Financial Chronicle

Ø  CERA week conference: India announces new licensing policy to boost oil output
Ø  Major divestment line up: BHEL, Oil India, EIL, NBCC, 9 rail PSUs to help fetch Rs 72,500 cr next FY
Ø  Airtel, Vodafone & Idea take on Reliance Jio: Confusing free unlimited data plans explained
Ø  Mutual fund AUM swells to Rs 17.9 L cr in February
Ø  SC notice to Centre, RBI on plea to accept old notes upto Mar 31
Ø  Gas prices may jump 10% from April 1
Ø  CBI books Union Bank officials over cash deposits after demonetisation
Ø  DeMo-hit BhaFin fears 4.5% of loans may turn bad in Q4                        4_2499858226846114616 pagesPDF4 MB

She Understand...

She knows the essence
Of nine months patience
She understands what’s small
Can grow very tall
It’s her second nature
To protect and to nurture
She therefore best knows
What’s insurance and why investment grows
Happy women’s day

Monday, March 6, 2017

Father + SIP


Economic Times

Business Standard

Ø  All schemes to have sunset clause: Finance Ministry

Ø  PNB looks to sell 7% stake in PNB Housing Finance

Ø  Sunil Mittal gives thumbs up to Chinese telcos

Ø  ED freezes shell cos a/cs involved in laundering

Ø  '70% want cash transaction charges to be removed'

Ø  GM falls out of love with Opel, sells it to Peugeot

Ø  Stop overcharging for water at hotels, airports: Govt

Ø  Delhi HC restricts former Ranbaxy promoters from selling assets

Ø  China's telcos scrap domestic roaming charges

Ø  Tech Mahindra to buy CJS Solutions Group for $110 million

Ø  Govt eases trademark filing norms

Ø  IDFC buys Natixis's stake in mutual fund unit for Rs 244 crore

Ø  China invested over $50 billion in Silk Road project: Official

Ø  Standard Life, Aberdeen seek cost-cuts from 11 bn pound all-share deal

Business Line


Ø  Fed and ECB go their separate ways

Ø  Pharma sector growth will be moderate, says ICRA

Ø  No buyers for Mallya’s Kingfisher house, Goa Villa

Ø  Suzlon likely to bag 250 MW order from Sembcorp

Ø  TVS Motor approves second interim dividend

Ø  Centre open to rethink definition of startups: DIPP Secretary

Ø  Government may alter ‘start-up’ definition

Ø Demonetisation to impact GDP in this quarter: RBI’s Viral Acharya

Ø  Tata in talks with Vanguard, Allianz to sell stake in mutual funds business

Ø  India to draft rules for institutional investors voting on company matters

Ø  Tech Mahindra to buy CJS Solutions Group for $110 million

Financial Express

Financial Chronicle

Ø  Sensex closes at 2-year high, retakes 29k, RIL top mover

Ø  NDTV seeks to settle pending matters with Sebi

Ø  Reliance Jio beats Airtel, Vodafone; average download speed doubles in January

Ø  Delhi HC stays Fortis stake sale, asks Singh brothers for clear details on asset holdings

Ø  $26b hedge fund lures the beautiful minds

Ø  SC notice to Centre, RBI on plea to accept old notes upto Mar 31

Ø  Asia Index launches BSE Sensex Next 50 index

Ø  In constructive discussions with Thyssenkrupp: Tata Steel

Ø  Mahindra developing 3-4 e-vehicles in affordable segment

Sunday, March 5, 2017

Health and Wealth Poem

Health and Wealth Poem

Money lying idle cannot pay your bill
People lying idle makes them ill
Late investing hurts your wealth
Late to begin exercises hurts your health
Incorrect investing takes you back
Incorrect exercises causes pain in your back
Ignoring inflation makes you poor
Ignoring symptoms takes away the cure

Saturday, March 4, 2017

Knowledge bites..

Knowledge bites..


click on line for new question request to participate and give answer..

You know how long Sachin played..??

You know how long Sachin played..??
The US $ was at 19
Sensex at 800
Petrol Rs 9.84
Diesel Rs 4.08
Gold Rs 3100 /10 gm.... when he made his debut.

So instead of wasting time over matches, if one had invested in these ... one would also have retired by now

Invest now and retire with Virat Kohli.....new offer... 😀😀😀

Wednesday, March 1, 2017


Economic Times

Ø  GIC set to pick up KP Singh family stake in DLF arm
Ø  India seeks $5-7 billion aid from World Bank
Ø  China plans mass layoffs, gets ready to cut 5 lac jobs this yr
Ø  LPG prices raised by Rs 86, the steepest ever hike
Ø  Banks to charge Rs 150 after 4 cash transactions
Ø  Tata Sons will participate in TCS buyback
Ø  Nokia, Airtel join hands on 5G, IoT applications

Business Standard

Ø  Railways to come up with mini-budget today
Ø  Dow hits all-time high of 21,000 after Trump's speech to US Congress
Ø  Another USFDA warning for Wockhardt; US plant faces product approval freeze
Ø  JSW Steel makes offer to buy controlling stake in Monnet Ispat
Ø  Tata Motors February sales up 2% at 47,573 units
Ø  Govt likely to impose 25% wheat import tax soon: Sources

Business Line

Ø  World Bank offers over $1-billion loan to Maharashtra
Ø  GDP data belies exaggerated claims of note ban impact: Jaitley
Ø  Demonetisation credit positive as it will cut tax avoidance, corruption: Moody’s
Ø  Govt notifies law to make banned note possession punishable
Ø  Gujarat Ambuja Exports' buyback offer begins


Ø  Sensex closes near six-month high, Nifty 0.75% higher on positive GDP data
Ø  Rupee closes weaker against US dollar on Asian cues
Ø  Hyundai sales up 6% to 52,734 units in February
Ø  Voting on Grasim-Aditya Birla Nuvo merger to begin 6 March
Ø  Telecom secretary J.S. Deepak named India’s new WTO ambassador

Financial Express

Ø  Godrej consolidating food retail chain Nature's Basket
Ø  India's gold jewellery exports to UAE decline 56% in January
Ø  Muted response to second black money disclosure scheme
Ø  India ranks 36th in Internet inclusiveness: Facebook- Economist Intelligence Unit
Ø  Mahindra sales decline 2.92 % to 42,714 units in February

Financial Chronicle

Ø  RBI cautions users against virtual currencies such as Bitcoins
Ø  India should use 5G to solve developmental problems:TRAI Chief
Ø  Avenue Supermart sets IPO price band at Rs 295-299
Ø  Insurers hike group health plan pricing

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