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COVID19 Economy Crises ~ an opportunity for an individual to create a Big Wealth?
What majority of Indians do with their savings?
Small Savings: FD/RD, LIC & VPF
Big Savings: 2nd Flat, Land, Chit, Co-op Banks, Invest in Relative/Friend’s Business, stash cash in locker/home
1/n
What majority of Indians do with their savings?
Small Savings: FD/RD, LIC & VPF
Big Savings: 2nd Flat, Land, Chit, Co-op Banks, Invest in Relative/Friend’s Business, stash cash in locker/home
1/n
2/n
Sometime greed pushes us to invest in Multi-Level Marketing. Most of the time, the investors are victim of the 'Fraud’, no or mere returns.
Asset Allocation refers to investing the savings in different legit asset classes:
Equity
Debt
Gold
Real Estate
Cash
Bitcoin
Sometime greed pushes us to invest in Multi-Level Marketing. Most of the time, the investors are victim of the 'Fraud’, no or mere returns.
Asset Allocation refers to investing the savings in different legit asset classes:
Equity
Debt
Gold
Real Estate
Cash
Bitcoin
3/n
. @AnyBodyCanFly has mentioned in most of his tweets ~ Start Investment journey at very young age, continue till you achieve financial freedom. Discipline savings & investment does help to achieve financial independence early or late 40’s.
. @AnyBodyCanFly has mentioned in most of his tweets ~ Start Investment journey at very young age, continue till you achieve financial freedom. Discipline savings & investment does help to achieve financial independence early or late 40’s.
4/n
My assumption is before we start pushing our savings there, we should have the following in place:
1.Term Insurance (not Life Insurance)
2.Emergency Fund
3.May be own House (if you are strong enough to withstand Social Stigma, better to have a rented house)
My assumption is before we start pushing our savings there, we should have the following in place:
1.Term Insurance (not Life Insurance)
2.Emergency Fund
3.May be own House (if you are strong enough to withstand Social Stigma, better to have a rented house)
5/n
What should be the allocation %, asset class definition, age etc? There r plenty of content available in public domain.
While its extremely imp to spread the risk by investing in different asset class to hedge your portfolio in the scenarios like ~ Recession, Pandemic,etc
What should be the allocation %, asset class definition, age etc? There r plenty of content available in public domain.
While its extremely imp to spread the risk by investing in different asset class to hedge your portfolio in the scenarios like ~ Recession, Pandemic,etc
6/n
Not to forget, the above crises gives you an opportunity to create a big “Wealth” in next 10-12 years.
Let me talk about one of the low penetrated asset class in India ~ “EQUITY”
What is Equity?
Investing in Equity is an opportunity to partner with successful businesses.
Not to forget, the above crises gives you an opportunity to create a big “Wealth” in next 10-12 years.
Let me talk about one of the low penetrated asset class in India ~ “EQUITY”
What is Equity?
Investing in Equity is an opportunity to partner with successful businesses.
7/n
How the math works: If in a growing sector a best stock should give a conservative CAGR of 15-20%.
Let’s assume, you partner with this business by investing:
Lumpsum: 2.5 Lac
Add Monthly: 10,000
Add Inflation: 5%
How the math works: If in a growing sector a best stock should give a conservative CAGR of 15-20%.
Let’s assume, you partner with this business by investing:
Lumpsum: 2.5 Lac
Add Monthly: 10,000
Add Inflation: 5%
8/n
Now, let’s see what will happen after 15 years @ 15% CAGR: Rs 1,08,94,936.46 (1 Crore & above)
(dividends not added)
and that’s the ~ Value of Compounding
@dmuthuk most of his tweets describe 'value of compounding' with great examples.
Now, let’s see what will happen after 15 years @ 15% CAGR: Rs 1,08,94,936.46 (1 Crore & above)
(dividends not added)
and that’s the ~ Value of Compounding
@dmuthuk most of his tweets describe 'value of compounding' with great examples.
9/n
How I should invest in Equities? If an individual ready to put efforts during weekends, after office hours understand the economy, sectors, Capital Cycles & fundamentals invest directly in stocks or stay with Multicap Mutual Funds. The compounding math still remains the same.
How I should invest in Equities? If an individual ready to put efforts during weekends, after office hours understand the economy, sectors, Capital Cycles & fundamentals invest directly in stocks or stay with Multicap Mutual Funds. The compounding math still remains the same.
10/n
Few List of stocks & MFs identified for education purpose only not investment recommendation:
Sector, Stock & Businesses:
Few List of stocks & MFs identified for education purpose only not investment recommendation:
Sector, Stock & Businesses:
n/n
Multicap Mutual Funds:
Multicap Mutual Funds:
