STAY CALM STAY INVESTED DURING TURBULANCE

*Markets may bring Joy or Sad How you react matters*

Once upon a time, there was a merchant named Mr. Mohan , who had a son. 

Mr. Mohan owned a beautiful horse, which he used his business travels and transportation. 

One day, the horse ran away. 

The neighbours came over to Mr. Mohan and said, "What bad luck! Your horse is gone!". How you will do your business . 

Mr. Mohan calmly replied, "*Maybe so, maybe not, We'll see."*

A few days later, the horse returned, bringing with it three wild horses. 

The neighbours then came to congratulate Mr. Mohan, saying, "How lucky you are! Your horse has brought three more!". 

Mr. Mohan  again said, *"Maybe so, maybe not. We'll see."*

The Mr. Mohan's son started training one of the wild horses. However, while riding it, he fell and broke his leg. 

The neighbours. came to express their sympathy, saying, "What a misfortune! Your son is hurt!" 

Mr. Mohan replied, *"Maybe so, maybe not ,We'll see."*

Soon after, a war broke out, and all the young men in the village were recruited to fight for the country .

Mohan's son was exempted from military service due to his injury. 

The neighbours said, "How fortunate your son is, that he is spared from the war!" 

The Mr. Mohan  replied, *"Maybe so, maybe not. We'll see."*

The same applies to your Stock Market related investments.

 When the Market is going up Media will project it, there's so much return , this is good ,that is good , this will give 70% that will give 50% and so on. 

And when Market comes down again they will portray every thing has gone, so many lakhs of rupees vanished  etc etc.  

*They never tell you that down Market is the right time you have to be joyous,because it is the opportunity to create wealth by buying at low Price.*

Markets were never gone back to a state, which was at 5 years back. 

If we take it for a longer term, it was always moving upwards. 

So down Market is the right time to enter and all Blue chip companies available at a lower discounted price. So is the Mutual funds. 

Moral: *Don't be too quick to judge situations, as what seems good or bad today may change tomorrow*

What people say is not always the truth, and outcomes can change over time.

Instead of having impulsive reaction to good or bad situations for which you have no control over the outcome, choose how you respond to those situations with a balanced approach.

The Response :: 

*STAY INVESTED*  

*CONSULT YOUR TRUSTED MUTUAL FUND DISTRIBUTOR SRIDHAR RAJASEKAR S -SHREE INVESTMENTS*

The Common Question: Why Do I Need anAdvisor?

The Common Question: Why Do I Need an

Advisor?

Recently, a friend asked me, "Mutual funds are OK.

Good to create wealth . But why do I need a financial advisor to guide my investment decisions?" 

He argued that he could manage his investments 

using online tools, calculators, and readily available

fund ratings. 

His point seemed valid at first glance: with

digital platforms offering seamless transactions

and detailed performance data, why go to the

trouble of finding a good advisor?

However, the real value of a financial advisor lies

not in the basic services that technology can

replicate but, in their ability to bridge the gap

between potential and actual returns.

I asked my friend a simple yet critical question.

"Are you happy with the returns on your mutug

fund investments?" 

He admitted he wasn't. 

Despite investing in top-rated funds, 

his portfolio has significantly underperformed 

the NIFTY index over several years. 

Intrigued, I analyzed his Portfolio and uncovered the root of the problem

portfolio and uncovered the root of the problem.

While my friend had chosen good funds, his returns were lower than the funds' performance. 

The culprit? 

Behavioral mistakes. He had made emotional 

decisions, such as redeeming investments during market corrections after reading alarming headlines like "Rs 5 lakh crore of investor wealth wiped out." 

At other times, he paused his SIPs instead of capitalizing on lower NAVs or invested heavily during market peaks driven by a buying frenzy.

This behavior isn't unique to him. 

This discrepancy-caused by poor timing and 

emotional reactions-is where financial advisors can deliver true value.

     Courtesy :: Mr Ganesh Mohan , CEO, 

                          BAJAJ FINSERVE AMC 

Wealth creation for children*

*Wealth creation for children*

It is a topic of increasing interest among parents and financial advisors.

It has two parts , one is investing by you as a parent regularly to make their dreams come true. 

And the second is inculcating the habit of saving, and investing at their young age. 

One takes care of their financial well being at a later stage which you are doing at present. 

Another one takes care of their Habits cultivated early for their  well being when they grow older. 

Here's a breakdown of key strategies and considerations:

Early Savings and Habits. 

  *Start Early:* 

The power of compound interest is significant. Even small, regular contributions can grow substantially over time.

 *Savings Accounts* : 

A good starting point for young children. Open a Bank Account in the name of your minor children and inculcate them a good habit of Savings. 

  *Age-Based Savings Accounts:* 

Consider accounts with features that adjust investment risk as the child ages 

 *Teaching Financial Literacy:* 

 *Practical Lessons* : Involve children in budgeting, saving for goals, and understanding the value of money.

 *Age-Appropriate Discussions* : 

Tailor conversations to their understanding.

 *Role Modeling:* 

Children learn by observing. Demonstrate responsible financial habits.

 *Investing* :

============

 *Long-Term Perspective:* Investing for children is typically a long-term endeavor, allowing for greater risk tolerance.

  *Diversification* : 

Spread investments across different asset classes (stocks, bonds, real estate) to manage risk.

 *Consider a Custodial Account* : 

Allows parents to invest on a child's behalf, with the child gaining control at a specified age.

 *Entrepreneurship* :

 *Encourage Creativity* : Support their ideas and help them explore business concepts.

 **Teach Problem-Solving:* Emphasize identifying needs and developing solutions.

  *Start Small* : 

Encourage them to plan to save for a predicted future expenses however small it is .  Like buying their most liked toys only after saving in small amounts every day/week /month. 

 *Key Considerations:* 

 *Child's Age and Maturity* : Tailor strategies to their developmental stage.

  *Goals* : Are you saving for college, a down payment, or general financial security?

  *Risk Tolerance* : Understand your and your child's comfort level with investment risk.

 *Professional Advice:* Consult your trusted financial advisor for personalized guidance.

Consult your Trusted Mutual Fund Distributor Sridhar Rajasekar S -Shree Investments.

     Credit :-   Inputs from various articles published already by some authors.