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**Wealth Creation**
What majority of Indians do with their savings?
Small Savings: Cash, FD/RD, LIC, VPF, Cheat Funds (Chit*) & Beesi*
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What majority of Indians do with their savings?
Small Savings: Cash, FD/RD, LIC, VPF, Cheat Funds (Chit*) & Beesi*
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2) Big Savings: 2nd Flat, Land, Chit, Co- Op Banks, Invest in Relative/Friendâs Business, stash cash in bank locker/ home.
Sometime greed pushes them to invest in Multi-Level Marketing (Ponzi Schemes). Most of the time, the investors are victim of the âFraudâ or mere returns.
Sometime greed pushes them to invest in Multi-Level Marketing (Ponzi Schemes). Most of the time, the investors are victim of the âFraudâ or mere returns.
3) How about investing in legit businesses & create *Wealth*. Letâs understand what constitutes Asset Classes. https://abs.twimg.com/emoji/v2/... draggable="false" alt="đ" title="RĂŒckhand Zeigefinger nach unten" aria-label="Emoji: RĂŒckhand Zeigefinger nach unten">
4) Asset Allocation refers to investing the savings in different legit asset classes: https://abs.twimg.com/emoji/v2/... draggable="false" alt="đ°" title="Geldsack" aria-label="Emoji: Geldsack">https://abs.twimg.com/emoji/v2/... draggable="false" alt="đ°" title="Geldsack" aria-label="Emoji: Geldsack">
1.Equity
2.Debt
http://3.Gold"> http://3.Gold
4.Real Estate
5.Farming
http://6.Cash"> http://6.Cash
7.Bitcoin (Now)
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1.Equity
2.Debt
http://3.Gold"> http://3.Gold
4.Real Estate
5.Farming
http://6.Cash"> http://6.Cash
7.Bitcoin (Now)
5) Start Investment journey at very young age, continue till we achieve financial freedom. Discipline savings & investment does help to achieve financial independence early or late 40âs.
Fin Independence is not Amway - MLM. Fin Ind is ~Time is yours not your employer& #39;s
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Fin Independence is not Amway - MLM. Fin Ind is ~Time is yours not your employer& #39;s
6) Ensure the below before journey:
1.Term Insurance (not LICâs Life Insurance)
2.Medical Insurance (Outside your work)
3.Emergency Fund
4.May be own House (if you are strong enough to withstand Social Stigma, better to stay in a rented house)
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1.Term Insurance (not LICâs Life Insurance)
2.Medical Insurance (Outside your work)
3.Emergency Fund
4.May be own House (if you are strong enough to withstand Social Stigma, better to stay in a rented house)
7) What should be the allocation percentage, asset class definition, age etc? There are plenty of content available in public domain. Please Read. https://abs.twimg.com/emoji/v2/... draggable="false" alt="đ" title="Schriftrolle" aria-label="Emoji: Schriftrolle">
8) While its extremely imp to spread the risk by investing in different asset classes to hedge your portfolio in the scenarios like ~Depression, Pandemic, Political Crises etc
Not to forget, the above such situation is also an platform to create a big âWealthâ in next 10-12 yrs
Not to forget, the above such situation is also an platform to create a big âWealthâ in next 10-12 yrs
9) Let me talk about one of the low penetrated asset class in India ~ âEQUITYâ
What is Equity?
For standard definition & explanation, just Google it. For me, investing in Equity is an opportunity to partner with successful businesses.
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What is Equity?
For standard definition & explanation, just Google it. For me, investing in Equity is an opportunity to partner with successful businesses.
10) How the math works: If in a growing sector a best stock should give a conservative CAGR of 15-20%.
Letâs assume, you partner with a growing & ethical business by investing:
Lumpsum: 2.5 Lac
Add Monthly: 10,000
Add Inflation: 5%
......
Letâs assume, you partner with a growing & ethical business by investing:
Lumpsum: 2.5 Lac
Add Monthly: 10,000
Add Inflation: 5%
......
11) ......
Now, letâs see what will happen after 15 years @ 15% CAGR: Rs 1,08,94,936.46 (1 Crore & above)
(dividends not added)
and thatâs the ~ Power of Compounding
Here is one ~ https://twitter.com/Kiran24Rajput/status/1284132865203032066?s=20">https://twitter.com/Kiran24Ra...
Now, letâs see what will happen after 15 years @ 15% CAGR: Rs 1,08,94,936.46 (1 Crore & above)
(dividends not added)
and thatâs the ~ Power of Compounding
Here is one ~ https://twitter.com/Kiran24Rajput/status/1284132865203032066?s=20">https://twitter.com/Kiran24Ra...
12) How I should invest in Equities? If an individual ready to put efforts during weekends, after office hrs understand the economy, sectors, Capital Cycles & fundamentals invest directly in stocks.
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13) If you donât understand these concepts, simply invest in few good Multicap Mutual Funds. The compounding math still remains the same.
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14) Few List of stocks & MFs identified for education purpose only not investment recommendation:
Sector, Stock & MFs:
Sector, Stock & MFs:
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