SHARE MARKET GAMBLING?

Imagine a group of friends who loved going to the local fair every year. One of the main attractions was a giant wheel of fortune game, where players could bet on one of several colored slots. If the wheel landed on their color, they’d win double their money. Most of them would bet small amounts for fun, occasionally winning, but usually losing. Still, it was all in good spirit, and they'd move on to the next stall after a few rounds.

Then came Ravi, one of their friends, who thought he’d figured out a foolproof way to beat the game. His strategy was to start small—say, betting Rs 10 on red—and if he lost, he’d double his bet in the next round. The idea was simple: eventually, the wheel would land on red, and he’d recover all his previous losses plus win a little extra.

For a while, it worked. Ravi lost a few rounds, doubled his bets, and when red finally came up, he was ahead by Rs 10. He felt confident. But then came the streak of bad luck—three, four, five losses in a row. Ravi kept doubling his bets, going from Rs 10 to Rs 20, then Rs 40, then Rs 80. Soon, the game’s maximum betting limit hit Rs 100. Ravi couldn’t double his next bet anymore and lost his entire stake when red didn’t show up. His strategy, built on the assumption that the game had no limits, fell apart.

Many people believe that the stock market is like a giant casino where you can make quick money if you’re lucky. This mindset leads many to try high-risk strategies like Futures & Options (F&O) trading, hoping for rapid gains. However, F&O isn’t a quick-fix solution for wealth creation—it’s a highly speculative, risky game that often results in huge losses. Let's dive into why.

F&O Trading: High-Risk, High Danger

In F&O trading, you’re essentially betting on the future price of a stock or index. It seems simple—you predict whether the price will go up or down. If you’re right, you make money; if you’re wrong, you lose. The catch? Leverage. In F&O, you can trade with borrowed money, which amplifies both your gains and your losses. It’s tempting because small moves in the market can lead to big profits, but they can also cause massive losses.

The reality is that most F&O traders lose money. According to SEBI, 93% of retail investors who dabble in F&O end up on the losing side. Why? Because predicting short-term market movements is extremely difficult, even for experts. Add leverage to the mix, and a small wrong move can wipe out your entire investment. It’s like stepping into quicksand—one wrong step and you’re trapped.

In short, F&O is not for the average investor. It requires deep knowledge, quick reflexes, and an appetite for extreme risk. If you don’t fully understand the complexities of market timing, volatility, and leverage, you’re setting yourself up for financial disaster.

Power of Equity Mutual Funds: Safe and Steady Wealth Creation

In stark contrast to the high-risk F&O market, equity mutual funds offer a much safer and more reliable way to grow wealth. These funds pool money from various investors and invest in a diversified portfolio of stocks, managed by professionals. The key benefit? Diversification. By spreading your investments across different companies and sectors, you reduce the risk of losing everything if one stock or sector underperforms.

Equity mutual funds are especially powerful when you invest for the long term. Unlike F&O, where the focus is on short-term gains, equity mutual funds leverage the power of compounding to grow your wealth steadily over time. Compounding is often called the eighth wonder of the world—it’s when your returns start earning returns, creating a snowball effect.

For instance, if you invest ₹10,000 monthly in an equity mutual fund with an average return of 12% over 20 years, you could end up with ₹1 crore or more—just from consistent investing and the magic of compounding. You don’t need to worry about predicting daily market movements. Instead, by investing through Systematic Investment Plans (SIPs), you can ride out market volatility and still achieve solid long-term growth.

Real-Life Examples of Mutual Fund Success

Many successful investors advocate for mutual funds as a reliable path to wealth creation. Dr. Vijay Kedia, one of India’s top stock market investors, made his fortune through disciplined, long-term investing. While he is known for stock picking, he frequently advises retail investors to stick with mutual funds if they don’t have the time or knowledge to manage direct equities.

Similarly, Narayan Murthy, the founder of Infosys, has long advocated for investing in equity mutual funds for young and beginner investors. He believes that mutual funds offer a disciplined approach to investing, reducing risks while capturing the long-term growth potential of the stock market.

The Takeaway: Stay Safe, Grow Wealth

The stock market is not a gamble—but the way you approach it makes all the difference. F&O trading is risky, unpredictable, and requires expertise that most retail investors don’t have. On the other hand, equity mutual funds offer a proven, safer path to wealth creation through diversification, professional management, and the power of compounding.

By consistently investing in equity mutual funds through SIPs, you give your money the time and opportunity to grow steadily over the years. It may not feel like you’re making quick money, but over time, this approach will help you build lasting wealth without the stress and risks of F&O.

Regards

Srikanth Matrubai

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted 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 Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

CHASE CONSISTENCY NOT RECENT WINNERS

Chase Consistency

Fund X is up by 50%  in 2023!

Fund Y is up by 32% till now in 2024!

These headlines are enough to entice anyone. Let's acknowledge that financial markets carry more volatility than even a roller coaster. And especially in Bull markets, even donkeys become horses and jaw-dropping performance from the "Rip-Van-Winkle" funds is a given!

Before jumping in... remember the biggest disclaimer 
PAST PERFORMANCE MAY NOT BE INDICATIVE OF FUTURE RETURNS. 
While this disclaimer is valid for every asset class like Gold, Silver, Real Estate, and Equities...its more prominent in Mutual Fund performance. 
Step back a bit and look at the bigger picture and consider a broader perspective, rather than just the short-term jump. 

Do you Want to Invest in a High-Yielding FD or a Safe One?

Even as straightforward with fixed deposits, we do see different banks offer varying rates for similar tenures, with cooperative banks sometimes offering double-digit rates.
Yet, we prioritize safety and convenience over returns, don’t we?
Similarly, when investing in mutual funds, where our principal itself is subject to fluctuations, it is imperative to show even more diligence. 

Constantly jumping in and out of funds based solely on recent performance can lead to unnecessary costs, reduced overall returns, and even greater risk.

The Danger of High Returns as One-Off Incidents

Past Performance should never be the sole criterion for selecting a fund. It can be very misleading. Past Performance is like a rear-view mirror showing only what has been rather than where you will be going!
The landscape for mutual funds keeps changing including the fund management styles. Add to that the market conditions and this is enough for a high flying fund to take a hit and be down for a longer period that you would like to. 

Its always better to focus on alignment with YOUR Financial Goals besides the fund's investment strategy.

Rather than flashy short-term spikes, consistency should be given higher priority. 

Just imagine a fund that delivers a 35% return in 1 year but follows up with 2-3 years of minus 20% loss, the initial gain which made you jump in joy could now lead you to desperation and even searching for an answer on how to arrange for your goals. 
A mode modest consistent 12% return may look middle-class but due to compounding effect could potentially double your money in 6 years or even lesser period of time. 

Different Funds Different Needs

Mutual funds come with different levels of risk and potential returns. Generally, higher returns are associated with higher risks. This means that you should be prepared for high volatility, similar to a roller-coaster ride.

Different funds perform differently over different time. Some will do well when economy is doing good while others shine in tough times. Hence Diversification is a MUST. 

If you have a longer time frame to achieve your goal, riskier funds like Small Cap Funds might be suitable for you because they have the potential to generate higher returns.

Short-term goals should have lower equity exposure and safer funds to protect your principal.

HIGH RETURNS COULD WELL BE A FLASH IN THE PAN.

As seen so many times in the past, many mutual funds which are the Numero Uno in returns could well be languishing at the bottom for many returns and could well jeopardize your financial goal planning.
We have seen evidence in the form of JM funds in years 2008, 2009, and recently with Axis funds during the 2020s

In the same breath, let me also make you aware of how JM FOCUSSED FUND which was at the bottom for 15 years made a stunning bounce back from 2022 onwards.
So. Even VERY LOW returns also does not mean that you shun the fund forever.
You should be flexible and agile to make sure you reach your financial goal without having to sweat too much by sticking to CONSISTENT FUNDS.

 

Factors to make better investing decisions : 

1. Quality of Returns: Look for funds that provide consistent returns over time, rather than those that have recently spiked in performance.

2. Risks Involved: Evaluate the risks associated with the fund and ensure they align with your risk tolerance and investment horizon.

3. Liquidity: Consider the liquidity of your investments. Higher liquidity means you can easily withdraw or transfer your funds, which is particularly important for riskier investments.

4. Category of Fund: Choose funds that align with your financial goals, investment duration, and risk appetite. Diversify across different categories and subcategories to balance your portfolio.

5. Alignment with Financial Goals: Ensure the mutual fund aligns with your specific financial objectives, whether it's early retirement, regular withdrawals, or long-term growth.

Additional Tips:

• Please keep the following points in mind:
• 
  
• Regular Monitoring: It's important to keep an eye on your investments and review their performance from time to time. Make adjustments to your portfolio as necessary in order to stay aligned with your goals.
• 
  
• Professional Advice: If you are new to investing, consider seeking the guidance of a financial advisor. They can offer personalized advice based on your financial situation and goals.
• 
  
• Long-Term Perspective: Investing with a long-term outlook can help reduce the impact of short-term market volatility and take advantage of compounding returns.
  
  

Conclusion: Focus on Achieving Your Goals

Investing isn't just about maximizing returns; it's about building a future you're proud of. Focus on a strategy that aligns with your long-term goals and balances risk with reward.

Requesting you once again... please remember, past performance is not a predictor of the future.

Follow this always : 

Avoid making impulsive decisions based on short-term market fluctuations. 

True investment success comes from understanding the underlying strategies, management teams, and consistency of your chosen funds. 

Prioritize long-term growth over quick wins. By building a diversified portfolio and staying committed to your plan, you're well on your way to achieving financial security and peace of mind.

Consistency is key for long-term wealth creation. Building a strong foundation is important, not just chasing the next big thing. Although short-term fluctuations can be unsettling, remember that your investment horizon is likely longer.

Shift Focus from the Thrill of the Chase to the Rewards of the Journey. Chase Financial Goals and not the Past Winners 

Remember, investing is a marathon, not a sprint. While it’s natural to be drawn to the excitement of high returns, focus on building a portfolio that’s built to last. By prioritizing consistency over short-term gains, you’re taking a significant step towards achieving your long-term financial objectives.

 

Regards & wishing you Super Financial Success

Srikanth Matrubai

Author: Don’t Retire Rich

Qualified Personal Finance Professional

AMFI Registered Mutual Fund Distributor

Note: This article is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor before making any investment decisions.

 ## Disclaimer

 Remember, investing in mutual funds carries risks, and past performance is not indicative of future results. Always consult with a financial advisor before making any investment decisions.

 

 Image Credit : Moneycontrol, ET, etc

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted 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 Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

SMART MOVES TO MASTER MARKET HIGHS

 

It’s exciting to see our portfolio grow every single day in these current market situations.
With the Sensex touching 76,000 and showing no signs of cooling off, the rise has boosted all kinds of portfolios, both the well-crafted ones and even the less meticulously managed ones! In these exciting times, its natural some investors do book profit and maybe miss out on the BIGGER gains if the markets continue to rise.

But what if the market falls?
While both points do merit attention, its but important to note that the majority of experts are of the opinion that the markets continue to remain bullish albeit with normal dips.

What to do during these times of Daily Market Peaks. Let’s dive in.

 

1. The Temptation to Book Profits

Many investors follow the common advice to "buy low and sell high." You might think it’s the perfect time to cash in on your gains. While this strategy makes sense in certain situations, it may not be the best move if you don’t need the money immediately and your equity-to-debt ratio hasn’t changed significantly.

Selling your stocks now because the market is high is like selling your house just because property prices have gone up!
If you don’t need the cash and still believe in the value of your home (or stocks), it might be better to hold on.
High fixed deposit rates—currently around 7-8 percent—might look appealing, especially since interest rates are expected to drop later in the year. However, compare that with the long-term returns of 10-12 percent in quality stocks and funds, and you might see the benefit of staying invested.

 

2. The Urge to Sit on Cash

Its definitely tempting to sit on cash and wait for the Market correction.
. This approach is risky, especially if you don’t regularly track the market or lack extensive investment knowledge. It’s like trying to time the perfect moment to jump into a skipping rope game—it’s easy to miss your chance and end up worse off.
Remember, many experts predict the market will keep climbing. Don't let the fear of missing out stop you from your regular investments, like Systematic Investment Plans (SIPs). SIPs are like a regular savings plan but for stocks or mutual funds.
SIPs are designed to average out different market levels and create wealth over time.
We have seen how monthly regular sips even in underperforming funds have beaten the Fixed Deposits hands-down.

For example, in one of my blogs (October 2022), I wrote and proved how one of the worst funds (at that point of time) JM Focussed had given only 1.51% CAGR for 14 years but a monthly sip in the same fund had given a Double Digit return!

(OF COURSE, I HAD ALSO WRITTEN HOW JM FUND HOUSE IS POISED TO BOUNCE BACK AND WAS PROVED RIGHT BY NUMBERS JUSTIFYING THE SAME WITH JM FOCUSSED FUND BECOMING THE NO.1 FUND IN RETURNS IN THE LAST 2 YEARS…SINCE THE TIME OF THE ARTICLE)

3.  The Herd Mentality

While positive economic signs continue to indicate a potential market rise, blindly following the herd can be risky.
Consider your own situation.
If your portfolio is already heavily invested in stocks and you'll need the money soon, it might be wise to take some profits off the table.
Think of your portfolio as a pie chart - ideally, different asset classes like stocks and bonds make up slices of the pie.  If the stock slice gets too big, you might need to adjust to maintain a healthy balance. This balance depends on your age, risk tolerance, and financial goals.
The appropriate level of debt or equity in your portfolio depends on various factors, such as your risk appetite, upcoming financial needs, and age.

Remember, a rising market shouldn't make you lose your cool. Make informed decisions based on your financial plan and avoid these common mistakes!

 

SO WHEN TO SELL THEN?

Selling early might mean missing out on even greater growth in the future. Here are some situations where redeeming your equity mutual fund might be the smart move:

Goal Achieved!
If your initial investment aimed to build a specific corpus (total amount) for a financial goal (like a down payment on a house), and you've hit that target, then congratulations! Redeeming some or all of your funds to make that dream a reality is a great reason to sell.

Funds Underperforming

Is your chosen equity mutual fund consistently lagging similar funds (its peers) and the benchmark index it tracks? This could be a sign of a struggling strategy. Redeeming and exploring better-performing options might be wise.

 

Fund Philosophy Change:
he way your fund invests (its strategy) might have changed significantly. If these changes don't fit your investment goals or risk tolerance anymore, redeeming and finding a more suitable fund might be necessary.

Change of Plans:
Your life goals and financial needs do keep changing over time.

Maybe your investment goals have changed (like needing more income instead of just growth). Re-evaluating your portfolio and potentially redeeming some funds to align with your new goals might be prudent.

Emergency Cash Needed:
Unexpected situations happen. If you have a real financial emergency, you might need to sell some or all of your investments to cover those costs. Redeeming your equity mutual fund might be unavoidable in such situations.

Asset Allocation Adjustment:
Regularly reviewing your asset allocation (the mix of different asset classes in your portfolio) is crucial. Suppose the market surge has caused your equity allocation to become unbalanced compared to your risk tolerance or financial goals. In that case, strategic redemptions can help you rebalance and maintain a healthy portfolio.

 

Remember:
Don't let market excitement cloud your long-term investment strategy. Just because the markets are buzzing with activity, doesn’t mean you too should!
Consider these factors before redeeming your equity mutual funds, and consult a financial advisor if needed, to ensure your decisions are aligned with your overall financial plan.

 

## Disclaimer

 Remember, investing in mutual funds carries risks, and past performance does not indicate future results. Always consult with a financial advisor before making any investment decisions.

 

Regards & wishing you Super Financial Success

Srikanth Matrubai

Author: Don’t Retire Rich

Qualified Personal Finance Professional

AMFI Registered Mutual Fund Distributor

Note: This article is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor before making any investment decisions.

 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted 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 Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

SHOULD YOU INVEST IN HDFC MANUFACTURING FUND NFO ?

HDFC has come out with an  NFO namely HDFC MANUFACTURING FUND. 

Getting many calls on whether to invest or not. 

Here's my take : 

Investors should exercise caution before investing heavily in Manufacturing Funds, which offer exposure to a potentially profitable sector. This is because it is a Thematic fund, and its performance can vary significantly. The HDFC Manufacturing Fund is new fund and thus has no track record, which makes it a less prudent choice for conservative and first-time investors.

Instead, consider allocating a portion of your diversified portfolio to a reputable Multi-Cap or Flexi Cap fund. These funds offer a more diversified approach, investing in companies of all sizes and sectors. This diversification helps in mitigating risks and enhancing the probability of long-term gains.

🤔 "What should you do?"

Do not look at the immediate past returns & invest in a Sector or a Thematic Mutual Fund. Past performance is not an indicator of future returns, and this is especially relevant for sector and thematic investing 

Consider the following examples:

(a) If in 2016 you invested in Pharma looking at the 2015 performance, you would have been disappointed in 2016 & 2017

(b) Similarly, had you invested in IT in 2014 looking at the 2013 performance, the sector did do anything great for the next 4 years

(c) Look at investing in Metals in 2018 looking at the 16 & 17 performance, 18 & 19 would have disappointed you.

In sector investing, be a value investor & not a growth investor.

Some sectors always do better than others, but investors should not base their investment strategy on these tactical calls. 

The standard advice to investors remains the same: Stick to your plan, choosing schemes aligned with your goals and risk tolerance.

Thematic funds come with their own risk

A timely entry in – and exit from – thematic funds is important. That’s why retail investors are better off with diversified Funds

Thematic funds should not be your first investments, only risk takers as well as those who understand these sectors well enough, should invest in them.

**Benefits of Multi-Cap and Flexi Cap Funds:**

* **Diversification:** Multi-Cap and Flexi Cap funds invest across a wide range of sectors and companies, reducing the impact of any one sector or company on the fund's performance.

* **Growth Potential:** These funds have the potential to capture growth opportunities across the entire market, as they are not limited to specific sectors or company sizes.

* **Flexibility:** Flexi Cap funds have the added flexibility to adjust their asset allocation based on market conditions, potentially enhancing returns.

* **Proven Track Records:** Many Multi-Cap and Flexi Cap funds have proven track records of performance, providing investors with confidence in their ability to deliver consistent returns.

By investing in a reputable Multi-Cap or Flexi Cap fund with a strong track record, investors can increase their chances of achieving their financial goals while reducing the risks associated with investing in new funds with no track record.

**Conclusion:**

Given the lack of track record of the HDFC Manufacturing Fund's future performance and the potential risk attached to Sector and Thematic funds, investors are definitely better off considering Multi-Cap or Flexi Cap funds. These funds offer a more diversified and proven approach to investing, increasing the likelihood of meeting your Financial Goals with reduced risks. 

Regards & wishing you Super Financial Success

Srikanth Matrubai

Author: Don’t Retire Rich

Qualified Personal Finance Professional

AMFI Registered Mutual Fund Distributor

Note: This article is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor before making any investment decisions.

All the best,
Regards,
Srikanth Matrubai

AMFI REGISTERED MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted 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 Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/

AVOID THESE MISTAKES FOR MASSIVE WEALTH CREATION

Mutual funds can be a powerful tool for building wealth, but navigating the investment landscape requires avoiding some common pitfalls that tend to derail your Wealth Creation Journey. Let’s explore and identify these mistakes so that we can avoid them and create Massive Wealth for ourselves.

 

1. INVESTING WITHOUT A GOAL:
Investing without a Goal is like Driving on the road without a destination in mind.
This only leads to aimless Wandering. Isn’t it?
In the same way, every investment of yours should have a specific target. Divide your financial goals into specific short-term terms like Visiting Char Dham, medium-term goals like buying a Car, and long-term goals like Child Marriage or Buying a Dream House.

 Be it saving for a Dream Home, Annual School Fees, ensuring a comfortable retirement, etc.
When you know the goals, will help you stay focussed and avoid getting distracted by volatile news or flashy investments that keep popping up.

 

2. CHASING FANCY RETURNS :

Many investors get allured by GET RICH schemes and fancy returns risking their principal itself leading to unnecessary risk-taking and investing in assets that do not align with one's needs, Give Priority to your financial goals  rather than instant profits. Do not get sucked into Greed.  Never take decision in excitement.

Slow and steady growth is a sure shot way to Financial Success, not chasing flashy, fleeting get-rich-quick schemes.

 

3. TIMING THE MARKET:
Imagine trying to predict when the weather will change—it's pretty tough, right? Well, predicting the ups and downs of the stock market is exactly similar but even riskier!
Stock Markets keep finding excuses to keep falling every now and then.

Panic Selling only ensures wealth shifts from Weak Hands to Strong Hands

Stick to your Asset Allocation

Stick to your Long-Term Goals, then  WEALTH WILL STICK TO YOU!!

The way you respond to events in markets can either nurture your wealth or destroy it. It's important to stay calm,  let your investments ride through the volatile ups and downs and avoid making any snap decisions or making too many changes. Patience and a steady approach are the keys to super success.

 

It takes character to sit there and do nothing.  I didn’t get to where I am by going after mediocre opportunities.

      ─ Charlie Munger

 

4. NO DIVERSIFICATION:   
Don't put all your eggs in one basket!
Follow the principle of Asset Allocation and invest across assets like Equity, Gold, Debt, Real Estate, etc.  Diversification across asset classes like equity, gold, debt, and real estate helps mitigate risk and maximize returns. A balanced approach cushions against market swings and ensures smoother wealth accumulation over time.

A Good Asset Allocation will help you beat Inflation consistently.

ASSET ALLOCATION IS THE MOST SIGNIFICANT FACTOR THAT CONTRIBUTES TO YOUR OVERALL RETURNS.

 

5. NO FILL IT-SHUT IT-FORGET IT:
Review your financial plan regularly to make sure it meets your changing needs.

A Review is a good way to know whether we are on the right track. Even the best of plans can go awry due to unforeseen and unavoidable changes in life and circumstances.

A review and a route change are a must in such a case. Portfolio Reviews are absolutely necessary, but changes are not!!

Say a change of job, childbirth, a death in the family, tax law change, or even a change of place of work could lead significant impact on the financial priorities. A review will help in accessing your progress and identify areas where improvements are needed.

 

6. NOT TOPPING UP INVESTMENTS:

Regularly topping up your investments reinforces your commitment to your financial goals and capitalizes on compounding returns.
Yes...Expenses have risen and will continue to rise. But what about your investments? Don't let them fall behind.

Every year income goes up. Every year expenses go up. So why not the Investments and Savings?

SIP top-up automatically increases your monthly contribution as your income grows, accelerating your wealth creation. It's an autopilot for your future success. Every extra rupee you invest now makes a HUGE difference thanks to compounding. Don't miss out on this powerful tool to reach your financial dreams faste & quicker! #DontRetireRich

 

PLEASE NOTE:
Do not start your investment journey without having a Adequate Life Insurance Coverage, Health Insurance coverage and at least 3 months of Emergency Fund back up.

Steering clear of these common mistakes can supercharge your mutual fund journey. Picture it like plotting a road trip: set goals, focus on the long haul, and stick to your plan. Stay disciplined, spread your bets, and keep expectations grounded. Don't forget to give your portfolio a check-up now and then. Remember, investing's a journey, not a sprint—so buckle up, stay savvy, and enjoy the ride to financial success!

Regards & wishing you Super Financial Success

Srikanth Matrubai

Author: Don’t Retire Rich
Qualified Personal Finance Professional

AMFI Registered Mutual Fund Distributor

Note: This article is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor before making any investment decisions.

 

 

All the best,
Regards,
Srikanth Matrubai

MUTUAL FUND DISTRIBUTOR

REBALANCE VOLATILITY CERTIFIED COACH

Srikanth Matrubai, Author of the Amazon Best Seller DON'T RETIRE RICH

You are strongly encouraged to consult your financial planner before making any decision regarding this investment. The views expressed here are the author's personal views and should not be interpreted 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 Amazon. https://amzn.to/3cHUM6M/ 

You can purchase the book on Amazon and Flipkart 

For the best of ideas on where to invest to create Mountains of Wealth 

join my TELEGRAM channel

WEALTH ARCHITECT
    https://t.me/joinchat/AAAAAELl4KUnaJzi-JJlDg/