1)Facts

85% of the investors take wrong decisions with respect to their investments ( inadequate investments with wrong asset allocation)

And hence only 15% of investor achieve their financial goals in time and become rich.

We always see crowd near fast food Centre and find few near fruit stall.

We normally assume that FII’S controls our equity market, but the fact is that , FII’s are dependent on our equity market.

No one can time market hence SIP in mutual funds is the best and safest way to create wealth.

Starting SIP in mutual funds is like joining GYM, many joins gym seeing others joining it but very few remain regular to it and who remain regular gets desired results.

We invest long time for our education and for our career but we are not ready to invest time and money for the investments.

2) Retirement Planning

All private sector employees would not have monthly pension.

Cost of living is ever increasing.

You should not be financially dependent on your children after your retirement.

Remember movie Baghban.

Perfect Retirement Planning would encourage our children to remember our Birthdays.

Consider the present monthly household expenses PLUS leisure / holidaying expenses you spent.

Inflation

Rate of returns expected on regular savings

Rate of return after retirement

Do not consider your life endowment insurance policies and PPF for retirement.

Choose the investment tools which will beat the inflation

Invest in Systematic Investment Plans in reputed Diversified Equity Mutual funds.

There is no risk at all if you invest in mutual funds IF you are “ LONG TERM ” investor.

3) Thumb Rule for Asset Allocation

100 MINUS your current age should be in diversified mutual funds and balance in debt.

Age as we grow old risk taking capacity goes down.

Our View on Real Estate

In case you own 2 Residential Properties you should not go for 3rd Otherwise your whole life would go in paying EMI’s of Housing Loan. We would make our children lazy and irresponsible. If children get everything ready-made they would not know its value. Inner fire in individual gets ignited only in difficult situations.

Real Estate is most illiquid asset class. To get Rs.8000/- rent one has to buy 1 BHK worth Rs.45 Lacs.

4) Remember

You need not be wealthy to be investor; you should be investor to be wealthy.

In good times friends know you and in bad times you know friends.

TIME is “FRIEND” of Mutual Fund Investment and

TIME is “ENEMY” of Fixed Deposit

Call us today otherwise TOMORROW will be too late.