Friday 20 November 2020


Except God and a Fraud, no one expected that COVID would stop the entire World for 6 full months.

During the March lockdown when the Sensex tanked by more than 40% in a matter of under a week, there was widespread panic.

There was fear on everyone’s face whether the stock market would go down to ZERO as Corona was something no one had prepared for and no one knew what destruction it can cause.

I then plunged head long into reassuring all my investors about their investments and the equities.

I wrote lots of messages in Whatsapp, facebook and even on my blog all highlighting one single fact that LOSS IS TEMPORARY AND GROWTH IS PERMANENT.

I encouraged all my readers to hold on to their investments and if possible, to even top up if the finances allowed.
I strongly put across the point not to get feared and sell their equities and kept requesting DO NOT CONVERT YOUR PAPER LOSS INTO PERMANENT LOSS.

Reporting some of the messages here so that we can recall those time when our confidence at the lowest ebb and how these messages pulled the spirits up…






Every Stock Market falls has everntually proved to be temporary and a BUYING opportunity.

Use Market falls to boost your returns as ultimately FALL IS TEMPORARY, GROWTH IS PERMANENT.




Nobody likes to see their portfolio going DOWN but its essential to remember that these are NOTIONAL LOSS.

Stopping Sip and worse, REDEEMING at this point of time will only convert temporary Notional Loss into a PERMANENT REAL LOSS!


MESSAGE NO.3 (The most important one)



The biggest issue with Indian Investors that when

1.     GOLD prices fall, their first reaction is....GOOD.....Now I can buy more


3.     When Land Prices fall, their reaction is ….CHALEGA....I AM HOLDING FOR LONG TERM

But when the same investors's mutual fund or equities fall, their reaction is....

Has my money gone??
Let me Take out whatever is left!!


When anyone is looking at selling off Real Estate and the land rates have fallen by 30%, their ONLY reaction is.....”WHY SHOULD I SELL NOW?? ITS DOWN BY 30%....i WILL WAIT
but, the same investor, will not even blink when it comes to selling Equities even at a loss!!





1. Negatives are inevitable (its a part and parcel of any business including Equities)


2. Equities is NOT for Short Term. Never was. Never will be.


3. Positive Growth is a given. Equities have outperformed all other asset classes by a reasonable margin but the problem is VOLATILITY.

You have to bear with it.


4. When the Investment is LONG TERM, why should you even bother to look at your portfolio??

You will only be increasing your BP.

So, bear with the volalitility. Enjoy the Ride. \


5. Stick to Asset Allocation. Stick to Good Quality Funds. Invest in Funds which are aliging to your Goal.


Due to my constant messages, reassurances and understanding the depth of potential loss and the possibility of recovery…..ensured that almost all of my investors STAYED ON.

And because they stayed on (including you), the loss actually has now converted into PROFIT.

Let me take one real live example of my investor

On 24th March, the investor’s portfolio was down by 37 lakhs and like everyone, this investor too was in panic mode.




Because the investor did not sell but held on to the investment. The Investor’s potential loss of 37 lakhs has now turned into a paper profit of 32 lakhs…A GAIN OF 69 LAKHS in less than 6 months.






Some of my articles shared during those times

1.           Dont fear the CARONA..

2.         Correction is Temporary…Growth is permanent







All my messages ultimately reinforced that YOU SHOULD HOLD AND IF POSSIBLE ADD MORE.
And almost all my messages would end with this quote….

Don’t forget..





Because the investor did not sell but held on to this investment, the potential loss of 37 lakhs has now turned into a paper profit of 32 lakhs…A GAIN OF 69 LAKHS in less than 6 months.



This is the biggest advantage of interacting with a HUMAN rather than a Robo or a Web portal as the Human here…i.e. the IFA…..oops the MFD will ENSURE THAT INVESTORS DO NOT SELL UNDER PANIC AND PREVENT THEM FROM CONVERTING THEIR PAPER LOSS INTO REAL LOSS.

The MFDs have been doing a yeoman’s service in not only bringing new investors to the industry but ensuring that these investors are HAND-HELD and guided on every step.





I would like you to note that Equity like a Business will have volatility. Strongly urge you to treat Equity Investment like the way you treat Land Investment or Gold.

When we are investing in Stock Markets...either directly or through the Mutual Fund route, the simple fact is we are INVESTING IN A BUSINESS.

Business is FOREVER and always having its ups and down.

No business will do well all the time.

“If we are facing in the right direction, all we have to do is keep on walking,” goes a Buddhist proverb.


So, when the Direction is this case...our Direction is Wealth Creation and our vehicle also right...that is the EQUITY MUTUAL FUNDS...then there is absolutely no need to keep looking at the NAV on a daily or even a Weekly basis.


Sometimes it makes great sense to be like an Ostrich and ignore the noise all around.


Do not be #PaisaWiseRupeeFoolish


Mutual Funds Sahi Hai only if MFD Saath Hai




Regards and all the very best….
To your Financial Growth,

Srikanth Matrubai

Author – Don’t Retire Rich


You are strongly encouraged to consult your financial planner before taking any decision regarding this investment. The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon. You can purchase the book on amazon and flipkart Please subscribe to my TELEGRAM channel

Tuesday 17 November 2020


DIWALI BONUS? Use your Head not HEART !!!


Happy Diwali Friends,
Whether you are salaried person or self-employed, Diwali is one festival where BONUS is assured.
The TV ads and the full page ads on newspaper are attracting you with the latest model of that iPhone, the Latest Tanishq Jewellery
And of course, Amazon and Flipkart are always there to make sure that you spend that last paisa of yours.
So, off for a shopping Binge ?
Before you make that Bonus money disappear as fast it appeared, we at SRIKAVI WEALTH, request you to kindly go the points mentioned here and then decide.

Avoid Impulse Buying.

No. I am not spoiling your Diwali mood but only trying to make all your future Diwali a celebration.


Before thinking of whether to PURCHASE, SAVE, INVEST, DONATE…..whatever….just keep it in a liquid fund (or Bank SB) for 15-20 days to give time to yourself to brood on HOW BEST TO UTILISE THIS BONUS MONEY.

The 1st preferance should always be..FULFILL NEED …..only after these NEEDS are fulfilled comes the WANTS.

1. Settle Pending Bills and Debt
The foremost and best option to spend your Bonus money is to clear off Long pending bills and most importantly any Debts you may have, especially Credit Card Bills.

(except of course, Home Loan, for which sitting with your financial Planner would be better).
Most importantly, clearing off debt would boost your self confidence and improve your Credit Score too. Try to make sure that you REDUCE your existing Debt and get out of EMI Trap.
Reducing Debt also ensures that you can truly ENJOY Diwali stress-free.
BTW, if you have too many debts, start with paying off one with the HIGHEST INTEREST RATES and gradually tick off the others.

One of the biggest lesson that COVID has given all of us is the importance of having an EMERGENCY FUND and what better way to start than with your Bonus Money. Contingency Fund acts as a Shock Absorber of a Financial Plan. Absence of it can make a Financial Plan turbulent. Once you have this covered….then the mental peace you have is unparalleled.

It seems stupid to lock away 6 months of Expenses in that lowly Liquid fund when your friend is minting money in Day Trading.

Emergency Fund is for emergencies and Covid Pandemic has shown us the value of this Emergency fund. Each asset class has its place in the Sun and your Rainy Day fund is a MUST HAVE .


Buy that Long Pending Asset. 
Long Pending Asset like buying Gold for your wife, a Car for the family, or an Appliance for the house or even a Membership  is also recommended as otherwise people tend to go for EMI.
Of course, before buying make sure that the ASSET is truly required and you are not buying just because you have money (or to show off).

You can even PLAN for future BIG purchases by way of investing in Debt funds and doing a Systematic transfer Plan to build a corpus.

Once that corpus reaches your target…PURCHASE THE ASSET WITH YOUR MONEY AND NOT WITH EMI.

Invest in Tax Saving Options
Instead of waiting till March to complete your quota of 80C investment, do it now.
Do it when you have money.

Better now than later.


If you are in a profession which requires you to constantly upgrade your knowledge, technology, etc.
this is the best time to invest in a Top-End course you always wanted to do
Attend that conference of your favorite Trainer.
Attend, Learn, Implement and be amongst the best.

Why not learn a new skill so that you can generate alternate source of income ?
Why not join a Yoga course and rework on your Health ?


Bonus is a great time to top-up your Insurance Cover, especially if you are under-insured.
Do consider investing a Lumpsum in your existing Sip to not only average your Cost of purchase but also to ride the Compounding Magic.
The markets have been more bearish rather than bullish for nearly 2 years now and its a great time to invest that Lumpsum in your existing sip.
Any uptrend will ensure that the bonus will give that EXTRA cream to the overall portfolio returns.
Consult your Financial Advisor before investing.

Other important options which you should consider, is
1. Update your Emergency Fund


2. Cover the shortfall, if any, in your Long term Goals (Child Education, Retirement, Home, etc)

For all these sitting with your Financial Advisor is a must as he will be in a much better position to recommend the right avenues for your Bonus Money.


Not everything must be connected with Materalistic World.
You are doing all this Donkey's work for the happiness of your family.
Why not take them off to the Long Pending Family Vacation?
Why not get them long pending long cherished clothes, shoes?

And why not??? Its Diwali season and there are offers galore.



But, of course, ensure that all the above options are cleared, settled and then go ahead.

It has been given to you as you have worked hard and you deserve it.
So, when you do receive that Bonus money, preferably SPEND about 25% of the Bonus Money and use the rest of 75% for the above list.

 USE YOUR HEAD and not your Heart.

Wish you a Great Diwali and all the very Best.

Srikanth Matrubai

Author – Don’t Retire Rich



You are strongly encouraged to consult your financial planner before taking any decision regarding this investment. The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon. You can purchase the book on amazon and flipkart Please subscribe to my TELEGRAM channel

Saturday 14 November 2020


DIWALI is the most loved festival in India...

Young, Old and almost everyone looks forward to DIWALI

The young look forward to Crackers
The Old look forward to Spending Quality Time with Family
The Middle look forward to Sweets
Shoppers look forward to the OH! SO TEMPTING OFFERS from Companies and Online Websites
And everyone, of course,  looks forward to THE GIFTS!

Deepavali is a great time to have a serious look at your finances.
And, for me, personally, Deepavali has had a strong connection with INVESTMENTS coming from Equity Background (Muhurat trading, et al)

Since Deepavali (Diwali) is a BIG BIG festival, lots of advance planning goes into celebrating the festival.....

Things like...what to buy, what to sell, what to clean...whom to invite....where to go....what food/sweets to prepare, what new to bring home...what old to dispose of....

Likewise...our Life Goals too need to be planned in advance.
Almost everyone does plan for BIG ones like Child Marriage, Education, etc but tend to ignore the smaller ones like the Annual Fees, Replacing the Car, Upgrading to a Bigger Tv, etc....

These small things play a huge role in denting or improving your Financial position and hence DEEPAVALI (DIWALI) would be a good time to start Planning in Advance for these goals and make your life better.

For ex : Planning a Post Diwali vacation in advance helps in identifying the place to visit and stay. And booking the resort and flight tickets almost always saves lot of money by way of discounts, offers, etc

In Fact, PLANNED SPENDING leads to PLANNED SAVINGS and PLANNED INVESTMENTS helping  in improving our Financial Position dramatically. 

All Festivals, more so DEEPAVALI (DIWALI), start with Cleaning. All that “lets see later” things which we kept on Roof Tops and Corner of Room/Cupboard, come up for a Final Decision are either disposed off or kept in its proper place.

Likewise, every investment you do or have done should have a specific purpose and goal.
Maybe some are for Yearly School Fees,
Some are for buying Jewelry,
Some for Emergency,
Some for Buying Own House

There would be many investments which you would have bought due to pressure from your friendly neighbour LIC Agent or from your Bank Manager. They could have become a decorative piece and not adding any value. 
You need to sit with your Financial Advisor and recheck whether the investment which you have continues to make sense and what role that investment has in fulfilling your Financial Goals.

And of course, most importantly CLEAN YOURSELF OF BAD MONEY HABITS !

SAFETY & Protection: 

DEEPAVALI (DIWALI) is a festival of lights but is also of Crackers, especially with those having Kids at home.

Kids love playing with Crackers and being young, they tend to be bit careless about protection and we, as Elders, always, ensure that they are adequately protected with sufficient amount of Water nearby and Fire Extinguishers also . Besides, we keep an Eagle eye on their movements.

Likewise, our Family too needs protection. Of course, almost every family will have a Life Insurance Policy but is it sufficient?
Many people buy Insurance only to save Tax and not to Cover their Life adequately.

DEEPAVALI (DIWALI) is a good time to sit with your Insurance Advisor and check whether the Insurance you have is enough to take care of your family in case of your absence.
At the same time, it is better to play more safe by having adequate Health Insurance.

By the way CORONA virus has made us understand the importance of Keeping ourselves safe by way of Mask, Sanitiser, etc. Isnt it?

In the same breath, we need to have EMERGENCY FUNDS to protect ourselves from situations like LOCK DOWN,  INCOME LOSS, etc



We have variety of foods in Deepawali (in fact, all festivals in India have huge spread). Even when it comes to decoration, we love Variety.
We have variety of Rotis, gravy like Paneer, Dal, and then Rice items alongside sweets, spicy foods, dry fruits, chocolates, tangy pickles, healthy  salads, cruncy foods and we close with deserts and of course, WATER..

Even Crackers are huge in variety.

Likewise, we need to have Investments spread across Basket of assets and geographies.

So, while Equities is inevitable, we cannot ignore other assets like Gold, Debt, REITs, Bonds,  and International exposure too.

Mapped with Investment Horizon and Risk Profile, this diversification can easily help you achieve your Goals with least volatility.




Gift Giving is one of the MOST enthusiastic work that everyone does (Gift Taking too but obviously the satisfaction you get when you give is irreplacable).

And when we choose gifts, we choose according to their gender, taste, preferences and various parameters.
Exactly same way, when we are saving/investing, we need to understand when and why we are doing this saving/investing. It could be as simple as Next year’s vacation to life goal of Buying a Home.

We need to plan as to when we need the money and for what purposes and thus your investment will go according to that goal.






DEEPAVALI (DIWALI) marks NEW in many ways.
We buy NEW clothes, new appliances for our home, we even go to NEW places to enjoy.
Even NEW ways of Donation. Earlier we used to donate clothes but now its a trend to actually participate in some Social Seva including serving in Ashrams.
I truly appreciate this NEW thing.

Likewise, in Investment too, we need to be broadminded and be ready to accept NEW investment concepts.
Debt Mutual Funds is the NEW thing now...FDs are passe.
Gold Funds are the NEW thing now....Gold Chits are passe
SIPs are the NEW thing now.....RDs are passe


With Deepavali comes the Get-Together of extended family helping us to BOND with each other.

The long-distance mama, the nearby chacha whom we rarely meet due to busy life all meet for Deepavali definitely increasing the BONDING

And of course, who can forget the BHAI DOOJ wherein the sister ties a thread to brother and offers sweets and the brother, in turn, gives her gifts showered with love.

All this increases Bonding and helping us face life with renewed energy and vigour


Our investments should gel with each 0ther and compliment each other.

A Perfect Asset Allocation will ensure that even a volatile market does very little or no damage to the OVERALL PORTFOLIO

So make sure that your investments, savings BOND and GEL with each other ensuring that you have a peaceful financial journey. 



Our hearts are filled with happiness and we are more than willing to give away

And it’s a good thing to do. The satisfaction that you get when you see the smile on the less privileged when you share is something which no gadget can fulfill.

Deepavali is a festival when the atmosphere is filled with abundance and giving Charity to the Under Privileged is a Must and Most important

And of course, to do regular charity (and not just on Deepavali) is to have an abundance of Wealth with proper financial planning and perfect Asset Allocation backed by good investments be it in mutual funds or direct equity.



DEEPAVALI festival is well known for lightning of Lamps and Diyas. This banishes the Darkenss.
Likewise....Banish the Financial Ignorance from your life...

Learn from the investment mistakes of others…. Avoid them
Learn from the Investment Success of others….implement them

Keep reading the Articles, Tweets and posts from SRIKANTH MATRUBAI and empower yourself.
Join the BEST Telegram Channel on Mutual fund run by Srikanth Matrubai called MF WORLD.
Get  the best of ideas on where to invest and the mindset required


WEALTH WISDOM (Telegram channel)

Get knowledge and get yourself financially empowered.
This is possible when you avoid NOISE. Like you avoid NOISE POLLUTION in Diwali, likewise avoid NOISE POLLUTION from half baked experts


Of course, do not forget to read the Amazon Best Selling book DON’T RETIRE RICH



Incorporate these things this DEEPAVALI (DIWALI) and have a BRIGHT future ahead.

Let there be no EMI in your life.
Your Investment should have grown so much that you should be in a position to buy everything with YOUR OWN MONEY.

Its possible. Its just a matter of smart planning.

May Devi Lakshmi bestow you with Prosperity and Wealth


And May everyday in your life be like Deepavali Day

Srikanth Matrubai,




And for those who deal in DIRECT EQUITY
here's something I have written for you

May you have as many shares of DABUR as many times you brush your teeth

May you have as many shares of MARUTI SUZUKI as many trips you have

May you have as many shares of JUBILANT FOOD as many times you have food

May you have as many shares of INDIAN OIL as many litres of petrol/diesel you fill

May you have as many shares of TATA CONSUMER as many times you have coffee/tea 

May you have as many shares of DMART as many times you do Shopping

May you have as many shares of APOLLO HOSPITAL as many times you do Exercise

May you have as many shares of IRCTC as many times you travel in Train

May you have as many shares of NYKAA as many times you wash your face

May you have as many shares  of AIRTEL for as many phones you have in a day

May you have as many shares of TCS as many articles you read to enhance your knowledge

May you have as many shares of HDFC AMC as many monthly SIPs you have. 

Happy Deepavali, 

Srikanth Matrubai 



You are strongly encouraged to consult your financial planner before taking any decision regarding this investment. The views expressed here is the authors personal views and should not be intrepresented as a recommendation to invest/avoid.
Srikanth Matrubai Author of the Amazon Best Seller DON'T RETIRE RICH
Do read the book and give your valuable feedback and request you to post positive comments on the Amazon. You can purchase the book on amazon and flipkart Please subscribe to my TELEGRAM channel


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