Monday, July 25, 2022


   "You make triple-digit gains not when things go from bad to good, but when things go from bad to less bad."...

Says Mr. Steve Sjuggerud.

Think long-term. If the long-term outlook is good, then temporary crises are just great buying opportunity to accumulate quality stocks at reasonable valuations. Markets will keep going up or down; you have absolutely no control over it. 

Periodic volatility is healthy and good for the market; it keeps the herd mentality in control. Make volatility your friend and take advantage of it instead of getting scared. It is always difficult to time the market and when stability returns, there is a chance that prices will once again bounce back without offering an opportunity to buy at the right time.

Next Portfolio

Thursday, June 9, 2022

Be Patient

 "Be patient; wait until everything is in your favor to interest"

Equity investing is a wealth creating mechanism. Buying equity is participating in the growth of the company. As companies grow, so will your money. There will be ups and down, there might be the volatility as obstacles for the growth but if you are investing, you are still buying a small part of a business. Equities are one asset class where you can beat inflation and by a large margin if you make the right decisions.

There are two emotions in the market: Greed and Fear. People come only out of greed. Greed is highest when market is at the peak of the bull phase. That is the time when 80-90 per cent of the investors enter the market, when actually no one should come close to it. They sell when fear is the dominating emotion, that's when the market is at the bottom. So they buy at the top and sell at the bottom. It will keep happening. You have to master these emotions. Buy when everyone is selling and sell when everyone is buying. If you do that, you will not lose money.

Stop checking your stock prices daily. Turn off TV shows. Don't follow the crowd. Invest in fundamentally strong companies and be patient, don't trade. Avoid direct investing; if you do not understand the company or have no time or resources to track the market then the mutual fund investments is the best route and leave it to professionals. 

Speak with your Financial Distributor today, 

Invest regularly.


Monday, June 6, 2022

Having A Security Guard For Your Wealth

Having a security guard does not mean that your home should be burgled every night and that he should be fighting off the burglars every night. 

A guard provides us peace of mind.

You are happy to have him standing in front of  your house day in and day out despite of theft. 

Even if several years pass and there isn't any attempt of theft, we never regret having the security guard outside our house. In fact we will be happy to have him there for years together without any experience of theft.

Likewise, having a Financial Distributor does not mean you need to engage him on a daily basis. 

He too is like the security guard. The only difference being the security guard looks after your home while the Financial Distributor looks after your wealth.

His being there gives us peace of mind because we know that while we may be busy with other work, he is looking after our wealth.

He guards us against incorrect investor behaviour that we can show up from time to time

He guards us against making untimely redemptions

He ensures that we invest regularly and stay invested for the long term.

Just being there on our behalf guarding your wealth is a job by itself and needs to be done well.

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Saturday, May 28, 2022

Time , Patience and Loyalty


Time, patience and loyalty are key ingredients in the journey of life.

People who seek pleasure in flirting get afflicted by AIDS or some other strange ailment.

Even in investing, flirting remains a risky proposition.

The human mind sometimes thinks it can beat age old values of patience and loyalty.

It seeks for a new and more profitable path. A path driven by overconfidence and greed.

But time and again, such thinking falls flat on its face and instead of making great returns, one lands up with below average returns.

It is a common occurrence that mutual funds deliver good returns but investors don't.

This is because investors are not loyal to any mutual fund and instead flirt with different funds all along their investing life.

All they succeed in is, staying married during bad times and are missing out the good times.

Just as in life, Patience and Loyalty give the best returns in the journey of investing as well.

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Thursday, May 12, 2022

The Garbage Truck Vs Investment


The Garbage Truck Story

I read the story of the Garbage Truck and received the best investment lesson of my life. Here is how it goes:-

One day, I hopped into a taxi and took off for the airport. We were driving in the right lane when suddenly, a black car, jumped out of a parking space right in front of us.

My taxi driver slammed the brakes, skidded, and missed the other car by just inches! The driver of the other car whipped his head around and started yelling at us.

My taxi driver just smiled and waved at the guy. I mean, he was really friendly.

So I asked, "Why did you just do that? This guy almost ruined your car and sent us to the hospital!"

This is when my taxi driver taught me what I now call,

'The Law of the Garbage Truck'

He explained, "Many people are like garbage trucks. They run around full of garbage, full of frustration, full of anger, and full of disappointment.

As their garbage piles up, they need a place to dump it and sometimes they'll dump it on you.

NEVER take it personally. Just smile, wave, wish them well, and move on with the routine life.

Don't take their garbage and spread it to other people at work, at home or on the streets.

There is a beautiful investment lesson locked in this piece of advice.

Like garbage trucks, the markets too throw their garbage on us in the form of a volatility, market correction or even a market crash.

But as an one time investor or SIP investor, you need to behave like the taxi driver.

Stay calm, smile and carry on with your investing as though nothing has happened.

There isn't or ever will be a better piece of investment advice than this.

All we need to to do is to change our investing behaviour and lo and behold ; all our financial dreams shall come true.


Saturday, April 23, 2022

How Couples Can Invest In Mutual Funds ?

 Blog from anchoredge

4 Things That Couples Should Keep in Mind While Investing In Mutual Funds

If you are married, you may spend a lot of time with your better half, helping them solve their problems, planning vacations or just relaxing at home.

However, couples also need to discuss investments as well. And, mutual funds are a popular investment option.

This article will look at the four main aspects that couples need to take care of while investing in mutual funds.

Do you want to maintain a joint account or an individual account?

You can use a joint account or a regular account to invest in mutual funds.

Many mutual fund platforms provide mutual fund joint holding accounts. You and your spouse must both be KYC compliant to invest under a joint account.

However, keep in mind that if there are any ELSS funds in the portfolio, only the primary account holder would be eligible for tax benefits.

How do you want to take care of goals?

The second factor to examine is your objectives. Goals help you to understand why you're investing in the first place. And, because you're investing as a couple, you'll have two types of goals: your joint goals as a couple and your different individual goals.

Examples of joint goals

  • Purchasing your first home
  • Saving money for your children's college education
  • Putting money aside for retirement

Examples of Personal goals

  • Creating your home gym 
  • Investing in a high-end camera to pursue your photography passion
  • To increase your professional possibilities by taking a course or going back to college

There are two ways to tackle joint goals: Investing together and separately. 

The first technique allows you to pool your resources and invest in a common objective. For example, if both of you are saving for retirement, you and your spouse together would buy three high-performing equity funds. If you own funds 'A' and 'B,' your spouse might invest in 'C' to supplement your portfolio. If the funds overlap, then you or your spouse can trim some of the holdings. 

You and your partner can pursue separate goals in the second strategy. You can, for example, invest in your child's schooling while your spouse invests for retirement. Because you and your spouse are investing for distinct purposes with this technique, it isn't a big problem if your portfolios coincide.

If you are investing for the same goals, keep an eye for portfolio overlap with your spouse

If you and your spouse are investing for the same goal, the funds must complement each other. It's because too many similar funds, after a certain point, don't add much to diversification.

Assume you have three large cap equity funds A, B, and C in your portfolio, and your spouse has three additional large cap funds, say schemes D, E, and F. If this is the case, diversification will not affect your portfolio.

Reach a mutual consensus for financial goals

It is natural for two people to have opposing view points on specific issues. Similarly, your partner may have different plans for specific significant financial goals in your life, such as retirement or a child's schooling. Assume your partner desires a luxury retirement, however you want a conventional or frugal one. These factors influence the amount of money needed for both of your retirement goals.

As a result, it is critical for you and your partner to communicate the visions for various financial goals in your lives to reach a mutual consensus and effectively plan investments to achieve common goals.


Investing together as a couple can be tricky. So, it is essential to find a middle ground that can help fulfil the common financial goals. This post discussed the top four aspects that you need to consider as a couple when investing in mutual funds.

This blog is purely for educational purpose and not to be treated as an personal advice. Mutual fund investments are subject to market risks, Read all scheme related documents carefully.

Next Portfolio

Thursday, April 7, 2022

Lage Raho



Have you seen how somebody rides the bicycle?

One word that I would like to use to describe the motion of a bicycle is 'continuous'.

The rider has to cycle continuously to ensure his balance is not lost and that he moves towards his goal or destination.

If he slows down, his balance is lost and he falls coming to a grinding halt.

Likewise, even in personal finance, it is crucial that our SIP is sustained all along the investment journey. Stopping the SIP is like breaking the momentum and weakening your resolve towards attaining one's goal.

SIP is like physical exercise. We have to do it regularly and have to show patience for the results. One cannot expect to see results after every round of physical exercise.

Same is the case with SIP.

The more we make it a part of the subconscious, the better it will serve us.



    "You make triple-digit gains not when things go from bad to good, but when things go from bad to less bad."... Says Mr. Steve ...