EFA Learning

Large cap or Small cap. All details. Which is Best in 2025?

https://youtu.be/NCieLZxOERM

*Be Greedy when others are fearful*

There are 2 ways in which investors behave in a volatile market. Either they participate or they stay away or sell and go away.

Historically it has been observed that investors follow their heart rather than their head when it comes to investing.

The chart highlights two aspects common to investors seen over the 15 year trend - 1) They follow a herd mentality and 2) They follow 2 emotions - Greed & Fear.

These trends indicate that majority investors think alike. They buy when the markets rise (out of greed) & sell when the markets fall (out of fear). Sadly, these trends are detrimental to long term wealth creation.

What is actually needed is consistency, irrespective of market conditions. Consistency is harder when no one is cheering the markets (especially in the current situation).

That's the time, you must cheer yourself & stay invested. A legendary investor suggests being contrarian to the herd - be greedy when others are fearful & be fearful when others are greedy.

That's because risks are higher in bull markets & opportunities are more in bear markets. In summary, volatile markets are your chance to participate in long term wealth creation. Running away at this juncture will be a missed opportunity for sure.

*Others are fearful. Are you?*
*If your goals are in 2030 or 2034 or 2040, why worry about markets Today?*

Market Update-21/01/25

Sensex:75838.36(-1235.08)

Nifty:23024.65(-320.10)

10yrGSec:6.73

INR/USD:86.59

Gold-24k(1gm):7945

Crude Oil-Brent:79.48

Good morning. This is a great learning by one of the biggest fund manager and his journey over 3 decades. He is Mr. Prashant jain who was FM of HDFC Flexi, HDFC Balanced, HDFC top 100 and key figure in HDFC mutual fund till August 2022. *Some great insights*

*Returns and Pareto rule*

Investment: Investments were made in 465 stocks.

Loss-Making Stocks: 25% of the stocks resulted in losses. *One of the biggest fund manager made losses too*

Multibaggers: 55 stocks accounted for 85% of total net gains (₹74,000 crore out of ₹87,000 crore). This highlights that a small portion of the portfolio drove most of the returns. *Investors need few great business in portfolio and they need to just hold in its business cycle for outsized return*

Analysis: Roughly 1/4 were losers, 1/100 were big losers, 1/20 were big winners and the rest were winners. However, it is interesting to note that gains on one large winner were more than the total losses of all loss making investments. *Portfolio sizing is important. Avoid sunk cost. If things have gone wrong, forget it. Don’t put good money over that bad money*

Dividend Impact: Dividends played a key role in enhancing total returns, forming part of the ₹87,000 crore net gains.

He drew lots of flak in 2018 and 2019 for owning PSUs. Believe me, PSUs were bad words then. He believed most of them are from Core economy sector. We have seen how they have bounced back in 2022 and later.

Only Few decisions over the long journey. For example, It was IT boom in late 1990s and stocks were too expensive. He shifted towards manufacturing and capital goods. They had a great run from 2000 to 2008.

The best opportunities are to found either in most difficult market conditions or in most polarized markets. Investing is, thus, more about emotional quotient than about IQ. * I feel 2025 will be real test and real opportunities*


He missed opportunities were Asian Paints, Bajaj Finance, Eicher, Kotak Bank, Divi’s laboratories, etc., but successfully avoided the long list of businesses that caused large and permanent loss of capital. *We may miss some great opportunities and its ok. We cannot have all winners in portfolio. Stay in your circle of competence. Invest where you understand*

https://youtu.be/Rs_392oJxUw

15 companies which are going to declare dividend in January.

Details in video

https://youtu.be/Rs_392oJxUw

KOTAK INDIA FLEXICAP

Holdings % Portfolio Weight Action in DECEMBER
ICICI Bank Ltd 6.74
Bharat Electronics Ltd 5.64
HDFC Bank Ltd 5.63
Infosys Ltd 4.29
Larsen & Toubro Ltd 4.08
UltraTech Cement Ltd 3.97
State Bank of India 3.75
Jindal Steel & Power Ltd 3.51
Axis Bank Ltd 3.38
Zomato Ltd 2.85

TOP 10 WEIGHT( IN %AGE) 43.84


AUM 50430 CR
CASH 1.79%
FUND MANAGER HARSHA UPADHYAYA

NEW ADDITION



INCREASE IN ALLOCATION
HCL TECH: 1.48%, TECH M: 1.45%
TORRENT POWER: 0.33%


EXIT:

KOTAK INDIA EQ CONTRA

Holdings % Portfolio Weight Action in DECEMBER
ICICI Bank Ltd 5.27
Infosys Ltd 4.43
HDFC Bank Ltd 3.84
State Bank of India 3.62
Tech Mahindra Ltd 3.22
Mphasis Ltd 3
Bharti Airtel Ltd 2.68
Axis Bank Ltd 2.33 ADD
Reliance Industries Ltd 2.29
Maruti Suzuki India Ltd 2.18

TOP 10 WEIGHT( IN %AGE) 32.86


AUM 3990 CR
CASH 2.26%
FUND MANAGER SHIBANI KURIEN

NEW ADDITION
NEUVAMA WEALTH: 1.04%


INCREASE IN ALLOCATION
GAIL: 1.87%, ULTRATECH: 1.8%, PFC: 1.77%
SHOPPERS STOP: 1.17%, BPCL: 1.09%
WIPRO: 0.98%, CENTURY PLY: 0.8%

EXIT: CANFIN HOMES, HINDALCO, ALEMBIC

It will be good learning session. Do join

https://tinyurl.com/ycs3mz58?id=2278&brcode=36048

Dear Investor,

Greetings of the day!!

We have organized a very interesting session for you this Saturday, 18th Jan 2025!!

💥 Topic 💥

Saturday School - THE 8TH WONDER!!

💥 SPEAKER 💥

Mr. Peshotan (Pesi) Dastoor - Group President & Head Sales - UTI AMC

Mr. Peshotan Dastoor joined UTI AMC on 6th May 2021 and has over 32 years of valuable experience in the financial services sector across banking and mutual funds.He holds double post-graduation qualification - Masters of Commerce degree from the University of Mumbai and Masters in Business Administration degree from Xavier's Institute of Management.

Block your time this coming “Saturday” to know more about THE 8TH WONDER.

📅 DATE & TIME 🕰️

Coming Saturday - 18th Jan, 2025 at 6:00 pm

📎Registration Link 📎:
https://tinyurl.com/ycs3mz58?id=2278&brcode=36048

Joining link
https://livestream.njgroup.in/event/index.php?id=2278

Asset allocation



· Pure equity has given 14.7% return high high volatility of 18.7%.



· If you tweak a little with 80% equity, 10% debt, 10% gold, then returns are almost similar about 14.1% but significantly low volatility of 15%. (Data period march 2002 to Dec 2024).



· Hybrid funds can cushion against volatility and can offer some downside protection too.



· Asset allocation is crucial to manage volatility. Some part of Debt and Gold in portfolio is always great.



Source: HDFC MF Yearbook 2025

*SIP, Equities and Asset allocation. Key insights from HDFC YEARBOOK. FULL BOOK BELOW*

• Pure equity has given 14.7% return high high volatility of 18.7%.

• If you tweak a little with 80% equity, 10% debt, 10% gold, then returns are almost similar about 14.1% but significantly low volatility of 15%. Hybrids can cushion against volatility. (Data period march 2002 to Dec 2024. Asset allocation is crucial to manage volatility. Some part of Debt and Gold in portfolio is always great.

• Diversify in equities too with mix of large, mid and small in portfolio. Smallcaps are winner most of the time but Large cap and mid cap have fair share too. Winners rotate. This time it looks Large caps are fairly valued.

• Never time the market. Spend time in the market. Sensex returns are 14.6% assuming investor has invested every time. However if he misses 40 best days then returns decreases to 3.8%. Quite shocking.

• Probablity of losing money: Time is your friend. If you have invested for 1 year or less then its 26% probability of loss. 10 year or more has almost 0 probability based on past data.

• SIPs. Its tool to manage emotions. SIPs average out the cost of investments in the long term, making investors stay away from external noise.

• *Current markets*

• Mid cap and small caps are expensive. Large caps are fairly valued.

• Sector wise Private banks, Autos, Metals, FMCG provides some comfort from valuation perspective.

• 8 out 10 Intraday Traders suffered losses 93% of Individual Traders incurred losses in Equity F&O between FY22 and FY24.

• *Key risks*

o Slower interest rate cuts
o Escalation of geopolitical situation
o Tariffs uncertainty.
o Global weakness
o Earning downgrades
o High valuation in many pockets.

• IPO pipeline of 2025 is almost equal to 2024 levels

We Must ensure that Laggard Fund or Stocks dont enter our portfolio.



Easy to say but not easy to implement.



What can we do instead?



Slightly increase our conviction in business as the earnings shows growth and does not remain volatile. Similarly don't bet big in new fund manager or new fund with big amount. So slow and steady



Keep low allocation initially and slowly build conviction. Along the journey, if you think that wrong company/ Fund has entered the portfolio then trim it and consider it " Sunk cost". Now don't put good money over bad investment





This is true for Mutual funds. Old funds and experienced fund managers can create significant alpha given the expertise.

Data source in pic: HDFC MF year book

Link above

Event at 6:00 PM

*Risk is in your portfolio, Not in Markets*

It will be good session today by CEO of Whiteoak capital.

Details and link

📅 DATE & TIME 🕰️

Coming Saturday - 04th Jan, 2025 at 6:00 pm

📎Registration Link 📎:
https://tinyurl.com/ycs3mz58?id=2251&brcode=36048

Dear Investor,

Greetings of the day!!

We have organized a very interesting session for you this Saturday, 04th Jan 2025!!

💥 Topic 💥

Saturday School - रिस्क अपने पोर्टफोलियो में है, बाज़ार में नहीं"!!

💥 SPEAKER 💥

Mr. Aashish Somaiyaa (CEO - Whiteoak Mutual Fund)

Mr. Aashish Somaiyaa is responsible for strategizing ,Growing and managing the operations at Whiteoak Capital Asset Management Limited. Mr. Aashish Somaiyaa has 20 Years experience in business Strategy and Management,Process Driven Sales and distribution ,product Development and Marketing of Investment offerings. Mr Ashish Holds a Bachelor of Engineering in polymer science from pune university and a master in Management studies in Finance from NMIMS, Mumbai University.


📅 DATE & TIME 🕰️

Coming Saturday - 04th Jan, 2025 at 6:00 pm

📎Registration Link 📎:
https://tinyurl.com/ycs3mz58?id=2251&brcode=36048

Nifty valuations are in line with Historical value. That's a positive on Large caps especially.

Source : Motilal Oswal

Make 2025 your year of financial growth! Get personalized investment strategies—schedule a free call today!

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Advantages of professional support by us

✨ Seamless transaction and execution support

🎯 Goal-based investment support (Retirement, child education, etc.)

📊 Professional portfolio review at regular intervals

🎟️ Access to exclusive mutual fund events

🔄 Periodic rebalancing

👀 Monitoring of portfolio

📐 Customized asset allocation

📱 Free app and portfolio construction-related support

🎯 Curated and focused investment strategy


📢 Get market insights on a regular basis via WhatsApp


To Open Your Account,Please Click on Below Link.
http://p.njw.bz/36048

We can discuss in consultation call by Filling Google form.
https://forms.gle/S9QjV7eyegrsWzmz8

Wishing lots of wealth with Goal Planning and personalised Mutual fund investment strategies

By
Deepak taunk
AMFI registered
Chartered financial goal planner

How was retirement planning add before 15 years… and now thats becoming true.


Retirement planning is necessary

Investment for short term

*FUNDS FOR YOUR SHORT TERM INVESTMENT NEED*
There exists funds which can take care of your Short term liquidity needs. The objective here is more skewed towards stability and capital preservation. They can be alternative to Saving accounts, Current account and fixed deposit to some extent.

1. Definition of Short-Term Mutual Funds
Short-term mutual funds are debt-oriented schemes investing in instruments with shorter maturities, typically ranging from a few days to three years, aiming to provide better returns than traditional savings accounts while maintaining relatively low risk.

2. How They Operate
These funds pool investor capital to invest in short-term debt instruments like treasury bills, commercial papers, and certificates of deposit, focusing on capital preservation and stable returns.


3. Some of the Categories of Short-Term Mutual Funds
• Liquid Funds: Invest in securities with maturities up to 91 days, offering high liquidity and low risk.
• Ultra Short Duration Funds: Invest in instruments with maturities between three to six months, suitable for slightly higher returns with minimal risk.
• Short Duration Funds: Invest in debt securities with maturities of one to three years, balancing moderate returns with low to moderate risk.
• Arbitrage funds: This is different from Debt funds. These funds can be considered relatively safer as they aim to exploit price differentials in different markets, which typically involves lower risk compared to other equity investments.


4. Some of the goals
• Emergency fund
• Down payment of Car or House after 3 month or 12 month
• Relocation plan after 6 months.
• Holiday or Celebration plan in next few months.
• Deploying surplus funds in equity in next few months
• Simply parking some extra funds temporarily while deciding the next step in financial planning.
.

5. Advantages of Short-Term Mutual Funds
• Liquidity: Easy redemption makes them ideal for short-term financial goals or emergency funds.
• Potential for Higher Returns: Generally offer better returns than traditional savings accounts, though they are subject to market risks.
• Capital Preservation: Aim to protect the principal amount while providing steady returns.

6. Ideal Investors for Short-Term Funds
• Individuals seeking to invest surplus funds for short durations.
• Investors desiring higher returns than savings accounts without significantly increasing risk.
• Those requiring quick access to their investments.

7. Considerations Before Investing
• Investment Horizon: Align the fund's duration with your financial goals.
• Risk Appetite: Assess your comfort with potential market fluctuations.
• Liquidity Requirements: Ensure the fund's liquidity matches your need for quick access to funds.

8. Investment Duration
Short-term mutual funds are suitable for investment horizons ranging from a few days to up to three years, depending on the specific fund category.


9. Lock-In Period
Most short-term mutual funds do not have a lock-in period, allowing investors to redeem their units as needed, though some may have exit loads for very short holding periods.


10. Conclusion
Short-term mutual funds serve as effective instruments for managing surplus funds over brief periods, offering a balance between liquidity and returns. By carefully selecting funds that align with individual risk tolerance, investment horizon, and liquidity needs, investors can optimize their short-term financial strategies.

🎉🌟 Happy New Year 2025! 🌟🎉

Wishing you growth, success, and happiness this year!

Thank you for your trust and support—let’s make 2025 amazing together! 🚀💼

#HappyNewYear2025

Some of themes identified by Kotak mutual fund in coming year is...

1. CAPEX revival

2. IT

3. Banking

4. Consumption & Rural revival

5. Pharma and Healthcare

Can Pharma be the stabilising force in 2025?

Can banks make comeback in 2025 especially private sector banks?

Market Update-31/12/24

Sensex:78139.01(-109.12)

Nifty:23644.80(-0.10)

10yrGSec:6.80

INR/USD:85.65

Gold-24k(1gm):7604

Crude Oil-Brent:74.33

Market Update-30/12/24

Sensex:78248.13(-450.94)

Nifty:23644.90(-168.50)

10yrGSec:6.82

INR/USD:85.55

Gold-24k(1gm):7630

Crude Oil-Brent:74.06

Event started.

Key summary here

Dsp navigator. Current market insights.

EQUITY MF BEGINNER.pdf

https://livestream.njgroup.in/event/register.php?id=2238&brcode=36048

Market outlook

• Broader Mid & Small Cap space trades at steep multiples as well. The Nifty Midcap 150 Index is at 40x trailing earnings while Nifty Smallcap 250 Index is at 32x trailing earnings.

• Large caps offer relative benefits over Small and Mid caps, although absolute valuations are above average.

• Indian equites remain pricey. Nifty 50 Index continues to trade at 23x trailing earnings, and the earnings growth has slowed to single digits.

• Practice conservatism. This is the time to seek margin of safety, cut leverage (if at all in portfolio) and focus on the quality of businesses in portfolio.

• For allocating fresh equity-only funds, the only approach is to proceed in a staggered manner and through the SIP route.

• BFSI, Healthcare and select consumer and auto names offer value and have margin of safety.

• While allocating fresh funds, seek exposure to hybrid funds, especially Dynamic Asset Allocation Fund category and Multi Asset Allocation category.

• Interest rates continue to remain subdued, driven by volatile yet controlled inflation, balanced GSec supply and a worsening external situation that is still not a cause of concern.

• Gold & Silver can offer diversification benefits in a market where most other assets are prized to perfection

Markets are slaves of earning. When earnings are not up to expectations, then downgrades happens. The downgrades have increased.

However opportunity lies in upgrades and turnaround possibilities in Downgrades in coming quarters.



Have faith in strong fund managers who can ride the tide.

• Humans Prefer Certainty: People instinctively seek certainty and experience discomfort in uncertain situations, even when those uncertainties are not immediately harmful.

• Uncertainty vs. Unfavorable Certainty: Situations with uncertainty, like being unsure about traffic delays, often cause more stress than knowing an unfavorable outcome, such as being definitely late.


• Perception of Risk: The mere mention of "risk" triggers thoughts of worst-case scenarios, much like how the Titanic comes to mind when discussing ships.

• Investment Risk Aversion in India: Many Indian investors prefer fixed income instruments over equities due to fear of losses, often prioritizing certainty over potentially higher returns.


• Role of Equities in Wealth Creation: Equities are critical for long-term wealth creation, with historical returns significantly outpacing debt instruments like fixed-income options.

• Risk of Avoiding Risks: Over-avoiding risks can lead to insufficient retirement funds, as fixed income provides lower returns compared to equities over the long term.


• Invisible Cost of Fixed Income Comfort: The certainty of fixed-income instruments comes at the cost of lower wealth accumulation and a potential shortfall in retirement corpus.

• First-Timers' Fear of Equity: New equity investors often fear market volatility and are more prone to emotional reactions, similar to seasickness experienced by first-time sailors.


• Training for Patience: Experienced equity investors learn to weather market ups and downs, understanding that volatility is part of the long-term investment journey.

• Key Investment Lesson: Like navigating a ship through rough seas, successful investing requires understanding, patience, and a balanced approach to risks for achieving financial goals.

Kindly note that name of HDFC Top 100 Fund shall be renamed as HDFC Large Cap Fund with effect from January 01, 2025.

https://livestream.njgroup.in/event/register.php?id=2238&brcode=36048

*Get your portfolio reviewed. Get regular Guidance on Goal planning. I can help you in your journey to achieving your life goals*

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Advantages of professional support by us

✨ Seamless transaction and execution support

🎯 Goal-based investment support (Retirement, child education, etc.)

📊 Professional portfolio review at regular intervals

🎟️ Access to exclusive mutual fund events

🔄 Periodic rebalancing

👀 Monitoring of portfolio

📐 Customized asset allocation

📱 Free app and portfolio construction-related support

🎯 Curated and focused investment strategy


📢 Get market insights on a regular basis via WhatsApp


To Open Your Account,Please Click on Below Link.
http://p.njw.bz/36048

We can discuss in consultation call by Filling Google form.
https://forms.gle/S9QjV7eyegrsWzmz8

Wishing lots of wealth with Goal Planning

By
Deepak taunk
AMFI registered
Chartered financial goal planner

*Investment Goal planning*

*Goal: Retirement corpus*
Current age: 35
Planning to retire by age of 55
Monthly expenses : 50000. At the retirement year, the monthly expenses will increase to 1.6 lacs.
Expected return: 12%( assumed)

You need to plan for retirement corpus of 4.42 crore assuming inflation stays at 6%.

How to reach the goal?
First, appreciate the value of time. You have 20 years to build the corpus hence long term vision is required.

There are 3 ways to reach that goal
1. Start upfront SIP of 48000 and stay the journey
2. Start SIP of 30000 with annual increase of 3000. Stay in the journey.
3. Do one time investment of 45.8 lac and stay in the journey
4. Regularly increase with mix of SIP and lumpsum with Top up when you have extra money in hand.
Happy Wealth creation journey.

🎯To win the battle field of finance, the support of an expert is essential.
*सारथि ज़रूरी है।*🎯.

Market Update-23/12/24

Sensex:78540.17(+498.58)

Nifty:23753.45(+165.95)

10yrGSec:6.81

INR/USD:85.12

Gold-24k(1gm):7616

Crude Oil-Brent:72.89

Good Morning and Happy Monday! ☀️✨
May your week be filled with new opportunities 🌟 and positive outcomes 💼.

*TIME TO SELL AS MARKETS ARE DOWN*

Nifty started 2018 around 10,400 on January 1st. Fast-forward to August 2018, and it surpassed 11,700 to reach a new all-time high. But just 2-months later, Nifty is back to where it began the new year. On October 22, it closed at 10,245.


In other words, all the gains Nifty made in 2018 are erased. Today it's well over that levels.

The lesson is Markets will fall. Today its happening too.

However, how we behave in falling markets depends on us.

If your goals are child education or retirement which is at least 10 years away, then shall we sell our holdings?. Only reason to feel disappointed is if our investment is for 3 year or less. In that case, equities never makes sense at first place.

Think like this. You get lot more units as NAV drops. Its like buying more units at discount. Imagine Investors who invested and got more units in covid crash in 2020 Or NBFC issues in 2018 or Demo related fall in 2016 in recent history. Patient investors did make money. Markets are far higher today.

Getting more Units today are foundation of wealth tomorrow. This helps in building wealth. Mix SIP and lumpsum. Think reaching your goals early with drops of investment you put today.

In the end
*Don’t Time the Market—Don’t panic & Stay Disciplined*
• Timing the market is a losing strategy.
• Focus on your financial goals, maintain discipline, and let your investments work for you.
• Selling in down market is like insulting yourself. All your hard work for many years vanishes at click of the SELL button. Be Patient. Stay invested in one of the fasting growing economies of the world.

*MEGA EXCLUSIVE: 2025 Economic & Market Outlook: Opportunities and Risks Ahead*

• Indian Economy Outlook: Positive multi-year growth driven by real estate revival, infrastructure activities, and corporate capex.

• Consumption Boost: Interest rate cuts and a favorable environment are expected to boost consumption demand, supporting corporate earnings.


• *Investment Strategy: Focus on high-quality large-cap stocks for better risk-reward, as midcaps and small-caps are overvalued*. VERY IMPORTANT. In Your Current Mutual fund portfolio we are suggesting to decrease weight now in mid and small caps.


• Core Investment Themes: Strong focus on capex, banks/financial services, and consumer sectors.

• Mid-Cycle Slowdown: 2025 may experience a slowdown in earnings growth, with a low single-digit growth rate. KEEP LOW EXPECTATIONS. BUT IT WILL BE GREAT TIME TO ACCUMULATE UNITS.


• Global Impact: Potential risks from the U.S. trade war and a strong dollar may affect emerging markets, including India.

• Trump’s Impact: A return of Trump’s administration may lead to currency volatility and affect India’s exports.


• Stronger Dollar: A stronger U.S. dollar may delay RBI rate cuts and cause FII outflows from emerging markets.


• &Portfolio Strategy (Prefer large caps with margin of safety, fits well)*

• Small-Cap Performance: Small-cap stocks may underperform from 2025, as their valuations are peaking.


• Market Correction: Midcaps and small-caps may experience a correction to bring down speculative froth.

• SMID Rally Topping: The small-cap to large-cap ratio is at 2.25, signaling the peak of the recent rally and the potential for correction.


• Long-Term Outlook: Despite challenges, the strong economic fundamentals should support premium valuations over the next few years.

High Conviction investment ideas in pics.

Dear Members

Greetings of the day!

We have organised a very interesting session for you on Saturday 21 December 2024, 6 PM.

Topic: Expert Guidance On Buying Health Insurance

Speaker: Mr. Jigar Shah (Claims Head - Insurance)

Registration Link:
https://livestream.njgroup.in/event/register.php?id=2228&brcode=36048

Brief summary above

Weekly market snapshot.
1. Nifty’s Steep Decline
• Nifty faced its sharpest weekly drop since June 2022, losing nearly 5% and erasing a month’s gains.
• The correction was led by heavy FII outflows of ₹4,831 crores and global monetary policy concerns.

2. Hawkish Fed Commentary Impact
• While the Fed reduced interest rates by 25 bps as expected, its projection of only two rate cuts in 2025 disappointed markets.
• This led to a surge in U.S. bond yields (10-year at 4.59%), a stronger dollar index (crossing 108), and rupee depreciation to ₹85.34/USD.

3. Inflation & Economic Data Trends
• WPI inflation eased to a 3-month low of 1.89% in November, driven by falling food prices (notably vegetables).
• U.S. economic data exceeded expectations, with stronger GDP growth (3.1%), better jobless claims, and robust PMI readings, signaling economic resilience.

4. Sectoral and Broader Market Impact
• Indian equity markets saw declines across all sectors, with BSE Power, Metal, PSU, and Capital Goods indices dropping over 6%.
• Broader indices outperformed slightly, while the Healthcare sector remained flat. IT stocks also fell despite positive global cues from Accenture’s results.

5. Outlook and Strategy
• Nifty’s short-term support is at 23,263, with resistance at 23,850–23,900.
• A holiday-truncated week and lack of major economic triggers suggest muted market activity. Investors should focus on quality stocks amid heightened volatility.

Ebook for beginners.

1. GDP Slowdown: India’s GDP growth fell to 5.4% in Q2FY25 from 8.1% in Q2FY24.

2. Industrial Sector Slump: Key industries like manufacturing and utilities witnessed slower growth.


3. Capex Delay: Government capital expenditure slowed, impacting investment growth.

4. Revenue Expenditure Growth: Focus increased on agriculture, health, and rural development.


5. Credit Growth Decline: Bank credit growth dropped sharply to 11% by November 2024.

6. High Interest Rates: Elevated rates reduced urban disposable income, weakening consumption.


7. GST Boost: GST collections grew 8.5%, driven by festive demand.

8. Tax Revenues Up: Personal income tax receipts increased by 22% in 7MFY25.


9. Agriculture Resilience: Monsoon-driven agriculture is set to grow 5.7% in FY25.

10. Inflation Pressures: Inflation crossed 6% in October 2024, raising policy uncertainty.


11. Recovery Ahead: Economic growth could recover in H2FY25 with higher spending and rural demand.

12. Long-Term Potential: India’s structural growth remains strong, supported by government initiatives.

MACRO VIEW AND ECONOMY

Investors should Deal with registered people always. Anyone promising quick returns means that they are using you to make money for himself. Beware of such people. Focus on your learning.

Sad to see people are falling for Stock market fraud. Lure of quick money was used like Quick money making in IPO.

*Wednesday Wisdom: Aggressive Hybrid funds*

If you are looking for a balanced way to grow your wealth, let me introduce you to Aggressive Hybrid Funds:

They Combine Growth & Stability : 65-80% equities for potential growth and 20-35% debt for stability.


Ideal investors

Long term Goal oriented Moderate risk investors: Suitable for moderate-risk investors aiming for milestones like education, marriage, or retirement.

Investors seeking regular systematic withdrawal. Debt cushions against market fall to some extent.

Those who want less Volatility: Lower risk than pure equity funds, with better return expectations than debt funds.

Tax Benefits: Taxed as equity funds, making them efficient for long-term investors.

Those who need some Downside Protection: In bearish or volatile markets, the debt component limits losses, offering investors a smoother ride compared to pure equity funds.

*Plan for your child's education and create wealth for you with Proper goal planning*

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Advantages of professional support by Us

Seamless transaction and execution support

Goal Based Investment support ( Retirement, child education etc)

Professional portfolio review at regular intervals.

Access to Exclusive Mutual fund events 

Periodic Rebalancing

Monitoring of portfolio

Customised Asset allocation


Free app and portfolio construction related support

Curated and focused investment strategy.

Get market insights on regular basis on WhatsApp.

To Open Your Account,Please Click on Below Link.
http://p.njw.bz/36048

We can discuss in consultation call by Filling Google form.
https://forms.gle/S9QjV7eyegrsWzmz8

Wishing lots of wealth with Goal Planning

By
Deepak taunk
AMFI registered
Chartered financial goal planner

Latest note by ICICI mutual fund above.

• India's growth driven by clean balance sheets and favorable demographics.

• Market valuations are currently expensive, expect near-term volatility.


• Geopolitical tensions and weak U.S. macros may impact markets.

• Invest in hybrid and asset allocation schemes to manage volatility.


• Large caps now offer better valuations than mid and small caps.

• FIIs returning could favor large-cap stocks.


• Choose flexible equity schemes for long-term investment.

• Focus on low-volatility large-cap-oriented equity funds for stability.

Market Update-03/12/24

Sensex:80845.75(+597.67)

Nifty:24457.15(+181.10)

10yrGSec:6.75

INR/USD:84.70

Gold-24k(1gm):7646

Crude Oil-Brent:72.57

Sometimes it's important to know where not to lose money?

Some of the indices like Auto, Energy, FMCG, Media have seen brutal correction from negative 5 to 14 percent correction..

Where investors have not lost money.

Answer is Banks and Financial services along with IT.

Losing less is important.

So market focus can be large caps + Finance focus.

My clients have repeatedly benefited as my stance for last 4-5 months has been to be bullish on Banks due to valuation comfort and steady growth

KotakMFFactsheetNovember2024.pdf

Latest factsheet by Kotak mutual fund

If say, your personal household inflation is 10% and company gives you hike of 8% so effectively you are losing Money. Stay at the top of the game. Beat inflation with mutual funds.

Good Morning, Starting Monday morning by gently reminder about biggest enemy in Wealth creation journey. That is Inflation.

To study Banks, we take data like Net interest margin, NPA, Credit growth, CASA ratio as key ratios.

How to study various industry. a good snapshot.

EDELWEISS MULTICAP
Holdings % Portfolio Weight Action in OCTOBER
HDFC Bank Ltd 3.54
ICICI Bank Ltd 3.06
Infosys Ltd 3.01 ADD
Larsen & Toubro Ltd 2.12 ADD
Radico Khaitan Ltd 2.02
Trent Ltd 1.89
NTPC Ltd 1.84
ABB India Ltd 1.74 ADD
Oil India Ltd 1.71
Dixon Technologies (India) Ltd 1.66

TOP 10 WEIGHT( IN %AGE) 22.59


AUM 2470 CR
CASH 2.85%
FUND MANAGER TRIDEEP BHATTACHARYA

NEW
ESCORTS KUBOTA, TRIVENI TURBINE

ADD
MNM, HCL TECH, LUPIN, FEDERAL BANK, BAJAJ HOUSING, INDIAN HOTELS,
IPCA LAB, PN GADGIL
EXIT

FRANKLIN INDIA MULTICAP
Holdings % Portfolio Weight Action in OCTOBER
ICICI Bank Ltd 5.97
HDFC Bank Ltd 5.78
Info Edge (India) Ltd 3.51
Zomato Ltd 3.1 ADD
Coforge Ltd 2.46 NEW
Reliance Industries Ltd 2.39
HDFC Life Insurance Co Ltd 2.34
Larsen & Toubro Ltd 2.28
ICICI Lombard General Insurance Co Ltd 2.21
Samvardhana Motherson International Ltd 2.04 ADD

TOP 10 WEIGHT( IN %AGE) 32.08


AUM 4440 CR
CASH 4.10%
FUND MANAGER R JANAKIRAMAN

NEW
BHARTI HEXA, AMBER ENTERPRISE,

ADD
SYRMA SGS, SENCO GOLD

EXIT

NIPPON INDIA MULTICAP
Holdings % Portfolio Weight Action in OCTOBER
HDFC Bank Ltd 6.28
ICICI Bank Ltd 4 ADD
Reliance Industries Ltd 3.1 ADD
Linde India Ltd 3.02
Axis Bank Ltd 3 ADD
Infosys Ltd 2.86
GE Vernova T&D India Ltd 2.64
Max Financial Services Ltd 2.49
NTPC Ltd 2.43
EIH Ltd 2.37

TOP 10 WEIGHT( IN %AGE) 32.19


AUM 38680 CR
CASH 2.00%
FUND MANAGER SAILESH RAJ BHAN

NEW


ADD
SBI, LT, BAJAJ FINANCE, TATA POWER, REC, KEC, DEVYANI

EXIT

Dear Members

Greetings of the day!

We organised a very interesting session for you on Sunday 24 November 2024, 12 PM.

Topic: Manage Your Diabetes / Hypertension with Health Insurance

Speaker: Mr. Nadeemabbas Saiyed (ZBH & Dy. VP; HDFC Ergo General Insurance)

Registration Link:
https://livestream.njgroup.in/event/register.php?id=2177&brcode=36048

Regard Deepak taunk

Starting Sunday morning with this thought.

Simplify your investment process. What to do & more importantly what not to do?. Small note above

Dear Investor,

Greetings of the day!!

We have organized a very interesting session for you this Saturday, 23rd Nov 2024 !

💥 Topic 💥

Saturday School - स्मार्ट निवेश की रणनीति !!!!

💥 SPEAKER 💥

Mr. Nirmay Choksi - Associate Director & Head of Research - NJ AMC

Mr. Nirmay Choksi has started as a Research Analyst with the AMC.He has been instrumental in developing the SMART Beta platform (in-house proprietary model) of the Company, which is used for creation of portfolios for both Mutual Fund and Portfolio Management Service segments.
Mr. Nirmay Choksi by qualification is BSc. in Accounting & Finance (Honours) from The University of Warwick.

Block your time this coming “Saturday” to know more about स्मार्ट निवेश की रणनीति?.

📅 DATE & TIME 🕰️

Coming Saturday - 23rd Nov, 2024 at 6:00 pm

📎Registration Link 📎:
https://tinyurl.com/ycs3mz58?id=2167&brcode=36048

Infosys 5 year dividend anlaysis video

https://youtu.be/Q8yXuSD_Ly0

Market Update-22/11/24

Sensex:79117.11(+1961.32)
Nifty:23907.25(+557.35)

10yrGSec:6.88
INR/USD:84.40

Gold-24k(1gm):7741
Crude Oil-Brent:74.54

Dividend received in past few days

NTPC

Coal India

REC

Infosys

*Consistency vs. Chasing Returns: A 19-Year Investment Story*

Let’s look at a real example from 2006 to 2024:

• Large-cap was the top performer 7 times.
• Mid-cap was the top performer 6 times.
• Small-cap was the top performer 6 times.

Now imagine two investors:

1. Investor A: They changed their strategy every year, always investing in the previous year’s best-performing index. For example, they invested in Small-cap in 2017, switched to Mid-cap in 2018, and Large-cap in 2019.

• Return: 15.5%
• SIP Value in 19 Years(₹20,000/month): ₹2.42 crore.

2. Investor B: They picked the Mid-cap index ( as example) and stayed invested through all ups and downs.
• Return: 18.1%
• SIP Value in 19 years (₹20,000/month): ₹3.28 crore.

The Impact on Portfolio
By staying consistent, Investor B earned ₹86 lakh more while investing the same amount each month.

More Importantly…
Investor B didn’t worry about switching strategies or market cycles. Instead, they stayed focused on their long-term goals and allowed their investments to grow steadily.

Investor B focused on career and business growth without worrying about daily events or market news.

Stayed invested for the long term and avoided frequent changes, leading to less stress and better results.



Key is to stay the course and Plan for goal always. Its Simple but not Easy.
Data source: Whiteoak capital MF

Dear Investor,

Greetings of the day!!

We have organized a very interesting session for you this Saturday, 23rd Nov 2024 !

💥 Topic 💥

Saturday School - स्मार्ट निवेश की रणनीति !!!!

💥 SPEAKER 💥

Mr. Nirmay Choksi - Associate Director & Head of Research - NJ AMC

Mr. Nirmay Choksi has started as a Research Analyst with the AMC.He has been instrumental in developing the SMART Beta platform (in-house proprietary model) of the Company, which is used for creation of portfolios for both Mutual Fund and Portfolio Management Service segments.
Mr. Nirmay Choksi by qualification is BSc. in Accounting & Finance (Honours) from The University of Warwick.

Block your time this coming “Saturday” to know more about स्मार्ट निवेश की रणनीति?.

📅 DATE & TIME 🕰️

Coming Saturday - 23rd Nov, 2024 at 6:00 pm

📎Registration Link 📎:
https://tinyurl.com/ycs3mz58?id=2167&brcode=36048

*Reasons for Current Market Decline*

1. High Valuations: valuations were already high that led to a correction as markets priced in weaker growth prospects. It’s a healthy correction.

2. Weak Corporate Earnings: Disappointing Q2 results, with several sectors missing earnings expectations, triggered a downgrade in market sentiment.

Urban consumption slowdown due to high food prices and high real estate prices has been key highlight in this Q2 results.



3. Demand weakness: We have seen demand weakness in business like QSR, Fashion retailers, FMCG, Autos, electricals etc. So, in summary People have spent less in past few months.


4. Global Macro Headwinds: Uncertainty surrounding the US presidential election persists and its potential economic impact contributed to foreign equity outflows.

5. Higher Equity Issuance: Increased supply in the primary market has diluted demand for existing equities.


6. Macroeconomic Moderation: Slower high-frequency macroeconomic indicators and rising concerns over consumption trends added to investor caution.

*What can you do in Current markets?*

Accumulate Good Funds: The current market downturn presents an opportunity to invest in Quality funds with strong fund management teams.

Maintain a Long-Term Perspective: Market corrections are a natural part of investing.

Staying committed to your long-term financial goals can help navigate short-term volatility. Why think a lot today if your goal is at 2030, 2034 or 2044.

Diversify Your Portfolio: Spreading investments across various sectors and asset classes can mitigate risks associated with market fluctuations.

Think debt for 1 week to 1 year kind of investment. For 1-3 years, Hybrids can be good for portfolio.

For long term Equities still remains strong. Ultimately link investment with your future goal

Monitor Economic Indicators: Keep an eye on macroeconomic factors, corporate earnings, and global events that may influence market dynamics.


• Consult Financial Advisors: Seek professional guidance to tailor investment strategies that align with your risk tolerance and financial objectives.

Thank you
Deepak taunk, AMFI registered Mutual fund Distributor (288057) & Chartered financial goal Planner®

Market Update-21/11/24

Sensex:77155.79(-422.59)

Nifty:23349.90(-168.60)

10yrGSec:6.86

INR/USD:84.51

Gold-24k(1gm):7656

Crude Oil-Brent:73.77

Ignore arbitrage fund as they are hedged


Most impacted are ETF and Quant funds.

In short Some ETF, Index funds and Quant mutual fund are most impacted.

Are you Impacted by Adani group stocks have crashed due to Bribery allegation in US.

The major impact is seen in Quant funds which have heavily invested in Adani enterprises and Adani power. Also some index funds like Nifty 50 equal weight, Nifty 50 index funds, Nifty 500 momentum 50, Nifty next 50 ETF, Nifty 200 momentum 30 , Metal ETF and some others.

Apart from that some schemes of Tata and SBI are impacted but they have managed the weight less so it wont get much impact.

Adani enterprise

Major stake is owned by Quant mutual funds. Some ETF like Metal ETF, NIFTY 50 equal weight index

Adani ports

Nifty 500 momentum 50 Index, Nifty 200 momentum 30 index, Nifty 50 Index fund. Some Equity with low weight in savings funds of Tata, ABSL and edelweiss are impacted.

Adani power

Quant ELSS, Quant flexi, quant large and mid cap. Some index funds like Nifty 500 momentum 50, Nifty consumption ETF, Nifty next 50 etf

Adani Total gas
Nifty next 50 ETF, NIFTY 100 INDEX FUNDS,

Adani Energy solution
Tata resources, tata infra, tata large cap, nifty 100 equal weight.

Understanding and Overcoming Biases in Investing


Investing isn't just about numbers—it's also about psychology. Our minds, shaped by thousands of years of evolution, sometimes trick us into making irrational financial decisions.

Let’s explore how cognitive biases influence your investment behavior and, more importantly, how to overcome them.
________
What Are Cognitive Biases?
Cognitive biases are mental shortcuts or errors in thinking that can impact decisions. They are broadly divided into:
1. Emotional Biases:
o Driven by feelings like fear or greed.
o Hard to control but often lead to impulsive actions.
2. Cognitive Errors:
o Stem from flawed logic or information processing.
o Easier to correct than emotional biases.

Common examples include:
• Overconfidence Bias: Believing you know more than you do. I use that product and this the best product and I must buy it without research.
• Loss Aversion: Fearing losses more than valuing gains. I need assured 15% returns from equity and portfolio should not go down. Never happens like that.
• Herd Mentality: Following the crowd without analysis. My friend is buying so I mustnot be left behind.
• Recency Bias: Giving too much weight to recent events. If Stock has gone up, it will go up forever.

________
Why Do These Biases Exist?
Think of ancient humans trying to survive in the wild. Loss aversion helped them avoid danger, and herd mentality ensured they stayed within the group for safety. However, these instincts don’t serve us well in investing today. For instance:
• A Rs 1 lakh loss often feels far worse than the joy of a Rs 1 lakh gain.
• Following others into popular funds (like small-cap themes) may lead to overexposure to risks.
________

How to Overcome Investment Biases
Here are actionable strategies to keep biases in check:

1. Hit Pause:
When faced with a big decision, wait a day or a week. Often, doing nothing is the best action.

2. Use a Journal:
Document your investment decisions. Over time, patterns emerge that show where you excel and where biases might be creeping in.

3. Get a Devil’s Advocate:
Have someone challenge your decisions. This person can help highlight blind spots you might miss.

4. Limit FOMO:
Opportunities are like buses—miss one, and another will come. Avoid chasing trends without analysis.


Final Thoughts
Recognizing your biases is the first step to better investing. By adopting strategies to mitigate these quirks, you can make rational decisions and navigate the markets more effectively. Remember, the key is not to eliminate biases entirely but to manage them wisely.

Last week, I had the opportunity to address leading mutual fund professionals of Ahmedabad, sharing insights on goal-based planning, portfolio reviews, risk management and smart asset allocation.

Thank you to all well wishers in Telegram and YouTube for being an important part of this journey!

Good short e book on investing

Good Evening

This is to inform you that due to the General Assembly Elections in Maharashtra, Stock Exchanges will remain closed on 20th November 2024.

As a result, NO trading activity (both Mutual Fund & Capital Market) will be carried out on this day.



Additionally, there will be no pay-in/pay-out of funds or securities on 20th November 2024.

https://youtu.be/upUJbRXgEf4

The best day to start your SIP?

Any day of the month! A 28 Years Data shows that the difference in returns based on SIP dates is negligible. The key is consistency, not the date. Best day can be 1-7 days after your salary day .

However it will also depend on your monthly cash flow and comfort.

Good Morning!


Let’s Own This Week with new opportunities!

Start this week with focus, positivity, and purpose. Wishing you a productive and fulfilling week ahead! 💪✨

https://youtu.be/rkGJYRSfiBQ

*Buy home with smart planning.*

To Open Your Account, Please Click on Below Link.
http://p.njw.bz/36048

*Exclusive Benefits for clients*

Seamless transaction and execution support

Portfolio review

Goal planning  and Regular Monitoring 

Access to Premium Learning resources & Analysis

Professional investment guidance

Access to Exclusive Mutual fund events  

Periodic Rebalancing

Customised Asset allocation

Curated & focused investment strategy

 Free app and portfolio construction related support.

Don't blindly buy Index funds or ETF.

*If you buy the index, You cannot beat the index*

Check above message.

Good Morning

Interesting SIP story

First 5 years: Don’t worry phase. Markets will be volatile. Just keep on Investing and collect Units.

6-10 years of SIP. Stay patient phase. Markets can be rangebound and volatile. Collect Units.

After 10 years. You have seen Ups and Down of Markets. But now wealth creation and compounding kicks in.

Initially the biggest risk is not investing. Let money work for you.

In 5 years we will forget if nifty was 24000 or 25000 in 2024.

Just like we have forgotten Nifty levels in 2019.

https://youtu.be/fkmIbs7HMjw

PICTURE DEPICING LARGE CAP, MID CAP AND SMALL CAP

Which fund category do you think can provide exposure to all 3.

Detailed Google form for Mutual funds discussion : https://forms.gle/S9QjV7eyegrsWzmz8

It’s Never Too Late: Reaching Financial Goals Even if You Start at 40



Lets see some practical aspects with numbers.



Often at the age range of 23 to 28, certain things impact the professionals.



- You are a fresher. Probably your salary is low

- You are exploring other career options. Career is not stable. You may not like the company or sector where you are working.

- Education loan EMI can be present.

- You need to send some money to your home.



This leaves little to no time to explore investing options. You either skip it or do some random investments without any plan.



Lets assume you have skipped investment and your age is 40 today. Is everything lost for you?



Lets explore career and life now.



- You are stable in your job or sector where you are working.

- Your earning was 40k per month as fresher. Today its probably 2 lac/ 3 lac/ 5 lac or even more.

- You will have family and kids. Home loan and Vehicle loan EMIs would be major expenses today.

- More importantly, you will have higher savings and money in the Bank now.



Now plan for a goal. The goal can be 4 crore by the age of 55.



Age 25

13000 SIP for 30 years will suffice. Plain and simple.



Age 40

You need 84000 SIP. Looks daunting but remember you have advantage of higher savings.



You can customize your approach.

- Do Lumpsum of 40 lac+ SIP of 37000

- Do lumpsum of 50 lac+ SIP of 26000

- Do lumpsum of 60 lac+ SIP of 14500

- Do lumpsum of 75 lac. No SIP required to reach goal of 4 cr by age of 55.



One critical assumption here is the stability of a career and more savings in a Bank account. You can start investing anytime. Focus on career and salary.

Key aspect

- Equity markets are volatile. Don’t look for Nifty levels.

- Keep a stable career and a higher job.

- In 15 years, you will probably won't remember whether Nifty was at 24000 or 25000 in 2024. Don’t time the market.

- Think long-term.



----

I am an AMFI-registered Mutual Fund Practitioner and Certified Financial Goal Planner from the American Academy of Financial Management.



Lets discuss your financial goals. Our focus is regular guidance on goal planning, portfolio reviews, risk management and mutual fund investments.



To schedule a meeting, simply fill out the Google Form in the post below.

https://youtu.be/BAzh7p0D7cM

Market Update-06/11/24

Sensex:80378.13(+901.50)

Nifty:24484.05(+270.75)

10yrGSec:6.83

INR/USD:84.32

Gold-24k(1gm):7811

Crude Oil-Brent:74.66

Breaking the Myth: Mutual Funds Aren't Just About Stocks.

Many people think that mutual funds are solely about investing in the stock market. However, mutual funds are much more versatile, offering a variety of investment options to suit different financial goals, time horizons, and risk appetites.

Here’s a quick overview:

1. Equity Funds: We know that and listen a lot about them. These are what most people think of when they hear "mutual funds." Equity funds invest in stocks and aim for long-term growth, making them suitable for investors who can tolerate some risk for higher returns.

2. Debt Funds: Markets may fall 10% in 2 months but here are debt funds which will have no relation with equity/ stock market. Unlike equity funds, debt funds invest in bonds, government securities, and other fixed-income instruments.

They aim for stability and steady returns with lower risk, making them a good choice for conservative investors or short-term goals.


3. Hybrid Funds: These funds blend both stocks and bonds in a single portfolio, offering a balance between growth and stability. Hybrid funds are designed for those who want moderate risk with exposure to multiple asset classes, perfect for diversified growth without high volatility.

DSP NETRA

Shift Towards Large Caps: The recent outperformance of large-cap stocks signals a potential opportunity to focus on them, as small and midcaps reach historically high valuations.

Consider Rebalancing for Valuation: With small and midcap indices at peak relative levels, large caps now appear more attractively valued, making them a strong option for new or incremental investments.

Market Update-04/11/24

Sensex:78782.24(-941.88)

Nifty:23995.35(-309.00)

10yrGSec:6.84

INR/USD:84.12

Gold-24k(1gm):7844

Crude Oil-Brent:75.05

Pain for short term investor.

Great view for a long term investor whose goals are retirement, wealth creation, childs education after a decade.

Reached 1.32 Crore Viewers on Youtube.



Objective: Helping viewers understand Mutual Funds and Personal Finance through clear, simple content on my YouTube channel.



Added bonus: Many have become clients, trusting me on their journey to wealth creation and goal-based investing

In last 15 years, there has been 20 instances where markets have fallen 5% or more. Post correction, we have seen strong bounceback too. So correction is a feature of markets and ally of long term goal based investors whose goals are at least 5 years away.

On a broader level, The trade is all about INDIA. We have some encouraging news here.
•  Strong Economy: India’s economy is stable with strong GDP growth and low inflation.

•  Infrastructure Investment: India plans to invest around $1.7 trillion in infrastructure by 2030.

•  Boost in Manufacturing: Reforms like production-linked incentives aim to raise manufacturing's GDP share.

•  Growing Exports: Indian exports are set to grow around 15%, targeting $2 trillion by 2030.

•  Rising Consumption: Trends in urbanization, digitization, and financial growth are boosting consumer spending.

•  Corporate Profitability: Corporate earnings are rising due to increased private investments and consumer spending.

•  Interest Rates: The RBI’s stable rates since April 2023 signal potential future rate cuts, benefiting growth.

•  Future Economic Power: India is projected to become the third-largest economy globally by 2030.

•  Investment Appeal: Stable growth, political stability, and market resilience make India attractive for investors.

•  Wealth Creation Potential: Investing steadily or through SIPs can help capture India’s long-term growth opportunities.

Stay on the journey and accumulate as many Mutual fund Units as possible at the start of the journey.

Good morning. Presenting the latest note by HSBC on Recent market corrections.

Some important Dividend eX DATE Next week

50000 monthly expenses will be close to 200000 after 20 years.

You will need 5.2 crore during retirement that time.

You need to plan it today with Monthly SIP of 50000 today.

✨Happy Diwali to Dear Group members

🎆Wishing you a Diwali filled with Wealth, Health, and Happiness. May new opportunities bring you and your loved ones abundant success! 🪔

– Deepak Taunk

Some companies which are diversifying and possibly creating new growth opportunities

*Light up your financial well-being with SIP.*

To Open Your Account, Please Click on Below Link.
http://p.njw.bz/36048

*Exclusive Benefits for clients*

Seamless transaction and execution support

Goal planning  and Regular Monitoring 

Access to Premium Learning resources & Analysis

Professional investment guidance

Access to Exclusive Mutual fund events  

Periodic Rebalancing and Portfolio review

Customised Asset allocation

Curated & focused investment strategy

 Free app and portfolio construction related support.

Market Update-29/10/24

Sensex:80369.03(+363.99)
Nifty:24466.85(+127.70)

10yrGSec:6.85

INR/USD:84.08

Gold-24k(1gm):7885

Crude Oil-Brent:72.06

On this blessed Dhanteras, may fortune and happiness light up your life.



May your investments flourish and bring prosperity to you and your loved ones.



Happy Dhanteras!

When you will reach your goals In 2032 or 2036 or 2040, you will not remember Stock market levels in October 2024.

Don't worry, today is time to accumulate units.

*Build a financially secure future and plan for wealth creation with Goals*

----

Advantages of professional support by Us

Seamless transaction and execution support

Goal Based Investment support ( Retirement, child education etc)

Professional portfolio review at regular intervals.

Access to Exclusive Mutual fund events 

Periodic Rebalancing

Monitoring of portfolio

Customised Asset allocation


Free app and portfolio construction related support

Curated and focused investment strategy.

Get market insights on regular basis on WhatsApp.

To Open Your Account,Please Click on Below Link.
http://p.njw.bz/36048

We can discuss in consultation call by Filling Google form.
https://forms.gle/S9QjV7eyegrsWzmz8

Wishing lots of wealth with Goal Planning

By
Deepak taunk
AMFI registered
Chartered financial goal planner

There is bonus adjustement is Reliance.

VOLATILITY IN EQUITIES DECREASES WITH TIME.

https://www.businesstoday.in/personal-finance/investment/story/indian-equities-us-markets-gold-debt-or-property-which-asset-class-has-delivered-highest-returns-over-15-20-yrs-441690-2024-08-16

Can we think like that?
We invest in Gold and Real estate and we forget it. We keep them for decades.
Can we think Equity where we invest in companies which will grow as India will grow. We use the products of those companies in daily life.

Some of the examples are SBI, HDFC Bank, ICICI Bank, ITC, HUL, Bajaj finance, Britannia, Nestle, Cipla, Asian paints, Bharat petroleum, Maruti, Tata motors and many more. ( No recommendations).

We consume and companies make profit. We can be part of that journey of the company. As profits will come so will be the value of these companies.

But….

Markets are volatile.

In one year, the probability of loss is 26% historically. It has happened in history. But as your tenure increases, the probability of losses decreases.
In 5 years, positive returns will be 93%+ times with average return of 15.79%. Those who stay in the journey for 12 years and more, they are always in profit.

Now, think as long term investor just like Gold and real estate investor.
A 20 year return in real estate is 8.4% only ( This will shock many).
A 20 year gold return is 12.8% ( This is decent)
A 20 year return in Nifty is 16.1%.( Money has grown 20 times).

Key lesson
Stay in the game for long term.
Choose good fund houses and fund managers.
Focus on your core income from your job and business.
Think equity for decades.

13 companies dividend

https://youtu.be/KJ3GcFcGlAI

One illustration of SWP

MUTUAL FUND EVENT STARTS AT 6:00 PM

This is about OCTOBER 2018 When I was working as Wealth manager. I was in the office and watching the markets.



Nifty levels on Oct 1 was 11008.

Nifty levels after 4 days on October 5. 10316.



A good -6.7% fall in 5 days. It was panic kind of situations in dealing room. The trading desk looked the screen in horror.



I remember News Headlines that time IL&FS liquidity crisis, Trump trade war threats, and oil touched a high of $86. Headlines are depressing at any time.



What did I think?

My clients have SIP dates on 5th , 7th and 10th… What a time of fall. They get more units now.

---



Fast forward to October 2024, Nifty levels are 24000. Its 15% CAGR returns from that point.



Key points

1. News headlines will be depressing every time. Don’t give much attention to it. Our country will do well so will our companies.



2. Your goal of retirement and child education is at 2032 or 2040. How much a fall October 2024 will matter to you. You will forget it in 3 months. Think about reaching your goals by accumulating more units.





3. Market falls are Good for long term players. Market gets cheaper. You get better quality business at lower value.



4. Stay in the game. Those who stay for long wins.

Very interesting session of Mutual funds, Investing, savings and personal finance.

Link above ⬆⬆⬆

Dear Investor,

Greetings of the day!!

We have organized a very interesting session for you this Saturday, 26th OCT 2024 !

💥 Topic 💥

Saturday School - Bachat,Badhat Aur Aamdani

💥 SPEAKER 💥

Mr. Kalpen Parekh - MD & CEO of DSP Investment Managers Pvt Ltd

Mr Kalpen Parekh is the Managing Director & Chief Executive Officer of DSP Investment Managers Pvt. Ltd. and a member of the Executive Committee.Mr Kalpen has over 19 years of experience in sales across client segments, distribution and marketing.Mr Kalpen holds a Master's Degree in Management Studies in Finance from the Narsee Monjee Institute of Management Studies, as well as a Bachelor's Degree in Chemical Engineering from Bharati Vidyapeeth, Pune.

Block your time this coming “Saturday” to know more about Bachat,Badhat Aur Aamdani.

📅 DATE & TIME 🕰️

Coming Saturday - 26th Oct, 2024 at 06:00 PM

📎Registration Link 📎:
https://livestream.njgroup.in/event/register.php?id=2131&brcode=36048

When you will reach your goals In 2032 or 2036 or 2040, you will not remember Stock market levels in October 2024.

Don't worry, today is time to accumulate units.

*Build a financially secure future and plan for wealth creation with Goals*

----

Advantages of professional support by Us

Seamless transaction and execution support

Goal Based Investment support ( Retirement, child education etc)

Professional portfolio review at regular intervals.

Access to Exclusive Mutual fund events 

Periodic Rebalancing

Monitoring of portfolio

Customised Asset allocation


Free app and portfolio construction related support

Curated and focused investment strategy.

Get market insights on regular basis on WhatsApp.

To Open Your Account,Please Click on Below Link.
http://p.njw.bz/36048

We can discuss in consultation call by Filling Google form.
https://forms.gle/S9QjV7eyegrsWzmz8

Wishing lots of wealth with Goal Planning

By
Deepak taunk
AMFI registered
Chartered financial goal planner