Two Months and Two stories.

Dear Patrons

Two Months and Two stories.

September 2018 – India’s GDP has grown by 8.2%. Highest in entire world. We are living in a country which is fastest growing economy in the world. Reasons,

• Increase in I.T. filling (More Direct Tax Revenue) and Consistent GST collection (More Indirect tax Revenue)
• Highest young generation among world population. Urbanization and Growth across sectors in tier II and tire III cities.

October 2018 – Stock Market in India has nosedived more than 4500 points (Apprx 12% down) in almost 1 month and investors have started to panic. Reasons,

• Crude price going up and reports that it will reach to 100$
• Depreciating rupee which is reaching almost Rs.75 now

What to do now?

• Currently Marketcap of Indian Stockmarket is 23% in discount with the corresponding GDP. As the GDP is higher, it means that economy is strong and sentiments are bad.
• Indexes have beaten down heavily. Largecap, Midcap, Smallcap are down 11%, 23% and 31% respectively. For Long term investor, Investing now is like buying Platinum at price of Silver.

Remember: There is “Regret of commissions” and also “Regret of Omissions”.

Should one not look at times of 2008 and 2013 where market bounced back at Rocket speed?

At Shalibhadra, we believe that ‘Regret of Omissions” is much greater. We don’t want any investor to be left behind in the growth story. We are actively calling investor to allocate some part of their surplus funds to allocate for Equities.

Nishit Siddharth Shah

‘Modern slaves are not in chain but in debt'

Dear patrons,

‘Modern slaves are not in chain but in debt'

The instant EMI culture is hurting the consumption oriented population of India.

The phrase ‘Aamdani Athanni Kharcha Rupaiya’ is coming true. People are spending before even earning, thanks to Easy Loan, EMI Trap.

• Loan (Debt) is available for...
• Higher Education for child – Education loan
• Business Expansion – Business loan
• Buying Appliances – Consumer loan
• Vacation Tour – Personal Loan
• Buying Home (Beyond Capacity) – Home Loan
• Buying Car (High End Choice)  – Car Loan

For various expenses you will get a loan but ever you heard about a loan for “Bette Retirement”?

Entire life is Spent as “Zindagi na milegi dobara” by spending through EMIs & it is too late when importance of retirement is realized.

At Shalibhadra, We believe that a dignified Retired life must be planned on top most priority.

Each & every reader of this newsletter must get their retirement planning done. This one page report/Financial Planning is very simple & easy to understand. Even if you have done get it rechecked.

Nishit Siddharth Shah

When you say ‘NO’, to whom are you saying ‘NO’?

Dear Patrons,

It is time to do some introspection.

When you say ‘NO’, to whom are you saying ‘NO’?

For example,

- If you ask your good friend to quit smoking and a ‘No’ from him is not of any concern for you but your friend is actually saying ‘NO’ to his healthy future.

- If a concerned father ask his teenage son to study for better career and a ‘No’ or unresponsive answer from him will not make so much difference to father but the son is actually saying ‘NO’ to his future career.

Similarly, investing through SIP is something which must not be avoided at any cost. Lo and behold, SIP is the key for systematic Wealth Creation. SIP is a discipline and winning on individual behaviors.

At Shalibhadra, We periodically send WhatsApp messages, emails and SMSs to start / increase SIP. Our research shows that many investors do Half-Hearted SIP despite the fact that it is most convenient way of investment. It is our aim that how can we encourage Whole-Hearted SIP investors instead of Half-Hearted SIP investors.

Lastly, your ‘NO’ to start SIP is not ‘NO’ to adviser, you might be saying ‘NO’ to your sound and stable financial future.

Nishit Siddharth Shah

Invest only where it is understandable.

Dear Patrons,

Why we use helmets / seat belts?
Why we have life / health insurance?

It is our constant desire to secure well being of self & family. For the same reasons, we work hard almost 40% of our life.

In contrast, we dedicate only few hours for our investment which we know that is very important. By the time that understanding come, we try to ‘cover up’ that lost returns by investing into ultra high risk avenues.

Recent case is Block chain currencies (Bitcoins). A lot of us are attracted towards it due to its value hike & past performance. The wisdom of investing in this high risk investment avenue should have come 4 years ago. Investing now is like going along the herd. Second argument is that it may be promoted by lot of intelligent people but logic says something not regulated by an authority & which is not understandable by majority of people is like firing in dark.

At Shalibhadra, we promote disciplined & understandable investment. We don’t go beyond our logic for investing hard earned money.

Nishit Siddharth Shah