"Let your Financial Goals guide your Investments; not your fears nor your obsession for high returns and you will find that even with moderate returns you can reach your goals"
Stay invested and grow your wealth for long…really long.
"High risk-high returns strategy is a roller coaster ride , where nearly everyone pushes the eject button almost always at the bottom and way before the ride is over."
Investing in stocks of fundamentally sound companies, when they are available at a discount from their fair price (MRP), assures you of very good returns. Sell them only when market has priced them so high that future returns are likely to be low.
Investing in the ‘right’ Mutual Funds (MFs) enables you to earn high returns and diversify with ease. However, selecting the right MF is a challenge, because today’s best performers are unlikely to be tomorrow's winners. They come at a high cost, and hence, make sense only when they beat Index Funds.
Index Fund is a Mutual Fund whose portfolio mimics a particular index (e.g. SENSEX 30, Nifty 50). They are much cheaper than MFs. Index Funds will become more attractive, as MFs will find it difficult to beat the Index and justify their high costs.
Ensure Security! Equity always comes with risk. Ensure your security by allocating a portion of your Investable Surplus to low-risk fixed-income assets
Debt Funds: How much depends on your risk profile and the market levels
Gold ETF: As an insurance against risks not reduced by diversification
Omega is MoneyWorks4me's Tech-assisted Multi-asset, Portfolio Advisory Solution .
Invest in quality stocks with future upside potential
Knowing the stock’s MRP enables us to spot and exploit opportunities:
When Mr. Market is bearish he offers high quality stock below/close to its fair value
Mr. Market over-reacts to short term problems and offers stock at attractively low prices
"Opportunity come knocking at the door, however it knocks very softly. We are either too busy listening to something else or too full of self doubt to open the door."
MoneyWorks4me's MRP and DP enables you to be greedy when others are fearful and fearful when others are greedy.
Invest in Mutual Funds the 'Sahi' way
Check Potential Upside and Diversification before Investing
Make your investments in Mutual Funds work harder for you...
"Stop investing in mutual fund based on past returns" We don't drive a car looking at the rear view mirror just because the windscreen is dirty and hazy. We get out and clean the windscreen."
Manage Your Wealth as One Portfolio as HNIs do
See combine view accross all asset classes
One Portfolio View
Allocation across Assets
See-through portfolio on equity
Check if a MF is Sahi for you
Tools to Identify and manage Risks
Putting all or most of your investable surplus in the equity basket exposes you to high risk and putting too much in safe, fixed-income asset reduces your returns drastically.
Companies in the same sector are likely to be impacted by the same economic factors. Large exposure to a single sector, or correlated sectors, could result in a drastic fall in your portfolio market value.
A stock is exposed to several company-specific risks, (business, balance sheet, valuation or people risk.) A 20% drop in a stock comprising 20% of your portfolio reduces your absolute returns by 4%.
While some smaller cap companies have potential of high returns, most come with high risks. Many have weak business models and are badly hit by economic or business downturns, and can erode your wealth!
Companies with poor fundamentals and weak business models can not deliver consistent and sustainable profitable growth.
If over-priced stocks form a large portion of your portfolio, a price-correction will reduce your portfolio value substantially.
Low-trading Assets have very few buyers. So, one cannot sell it, when needed without compromising on prices.
"Wealth creation is not a fill-it and forget-it activity. It's like filing an earthen pot where it's not enough to add water.You need to plug leaks if it has to fill up and stay full"
Become a better investor as you invest
Everything seems difficult till someone explains it
Not just data. An entire site designed to help you get better at investing. See decision-enabling information and a special Bole Toh tooltip that interprets it in simple English.
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InvestmentShastra is the space to learn the fundamentals of how to Invest. You will find easy-to-read blogs and videos.
Plan & Prepare
Stock Investing
Portfolio Management
Mutual Funds Investing
"Learning how to Invest will earn you rich dividends over your entire investing life, which may be a few decades."
