Increase in Fuel prices leads to increase in sales of cost efficient bike.
#HeroMotoCorp Market Leader in Cost efficient Bikes.
#HeroMotoCorp Market Leader in Cost efficient Bikes.
What I Told you in my LIVe, Always choose Mangement with Good Cash flows, Products, Customers & Ability borrow Money from the Market (Lenders Trust)
Any New Company need Huge cah flow to execute anything. So, if you are choosing any company which have already competitive products, think twice how this management can do better than anyone.
If you have answers then only execute your order.
Market Run on Facts Not Philosophy ~ Learning Mirror.
Any New Company need Huge cah flow to execute anything. So, if you are choosing any company which have already competitive products, think twice how this management can do better than anyone.
If you have answers then only execute your order.
Market Run on Facts Not Philosophy ~ Learning Mirror.
After IPO #LIC will be more customers centric in terms of Products.
Many are thinking this will work like a PSU, but the picture is different in terms of #Customers.
Have you even analysed the working culture of #SBIMFs
#SBICards #SBILifeInsurance, you will know they are not Just PSUs but working and achieving targets similarly like #PrivateCompanies.
Q. Is this mean Private Life Insurance Sector will losse market share with LIC?
Ans: I don't think so, Yes LIC is one of the biggest Name of Trust but #SBI #HDFC and #ICICI are also a Brand of Trusts in Indian Mind.
Slowly and steadily Private Players will take Market shares by providing better service and Innovative Products with efficient Management.
Many are thinking this will work like a PSU, but the picture is different in terms of #Customers.
Have you even analysed the working culture of #SBIMFs
#SBICards #SBILifeInsurance, you will know they are not Just PSUs but working and achieving targets similarly like #PrivateCompanies.
Q. Is this mean Private Life Insurance Sector will losse market share with LIC?
Ans: I don't think so, Yes LIC is one of the biggest Name of Trust but #SBI #HDFC and #ICICI are also a Brand of Trusts in Indian Mind.
Slowly and steadily Private Players will take Market shares by providing better service and Innovative Products with efficient Management.
#IndiaBullsHousingFinance #PromoterFraud #WealthDestroyed
You can't UNDO Your Investments Decisions, Being Cautious is the only Act you Perform while making your Hard Earned Money To Invest.
That's why from last 1.7 years in My Live I am Only Focusing on #HDFCLTD and #LICHousingFinance.
Finding Good Management is a tough work, and you have to learn this skills.
There is a big difference in Missing Chances and Loosing Money.
You can Miss chances to earn fast money by not taking investments decisions if you didn't understand the company, But You can loose all either way if you made bad Investments.
In missed Chances your Money is with YOU but in Other case you will loose it all completely.
Again I am telling you some points as per my experience please remember it:
1. It is not possible YOU will make Quick Money by taking Bank FD Risk.
2. Risk Follow Rewards and Vice Versa
3. Market Runs on Fact Not Philosophy.
You can't UNDO Your Investments Decisions, Being Cautious is the only Act you Perform while making your Hard Earned Money To Invest.
That's why from last 1.7 years in My Live I am Only Focusing on #HDFCLTD and #LICHousingFinance.
Finding Good Management is a tough work, and you have to learn this skills.
There is a big difference in Missing Chances and Loosing Money.
You can Miss chances to earn fast money by not taking investments decisions if you didn't understand the company, But You can loose all either way if you made bad Investments.
In missed Chances your Money is with YOU but in Other case you will loose it all completely.
Again I am telling you some points as per my experience please remember it:
1. It is not possible YOU will make Quick Money by taking Bank FD Risk.
2. Risk Follow Rewards and Vice Versa
3. Market Runs on Fact Not Philosophy.
4. If Management itself Not Interested to Make Your Money, By Trusting them again YOU are doing Blunder in Investments. (Management Fraud: Where Management is Interested to make its own Money rather than Investors.
5. In stock market you will do lots of Mistakes better you learn and don't do it again.
6. Knowledge + Experience = Professionalism
Happy Learning ~ Learning Mirror
5. In stock market you will do lots of Mistakes better you learn and don't do it again.
6. Knowledge + Experience = Professionalism
Happy Learning ~ Learning Mirror
7. And One major Issue with New Investors: Any Child can choose Good Stocks, We can Find Multibagger Stocks.
Have you even realise your MF, PMS and AIFs Portfolio: Why there is 20-25 Stocks Lists of Stocks in Large Cap and It keep going on Higher when you are willing to take Higher Rewards with Higher Risks.
The Answer lies on Investments Philosophy itself.
Means Reward follow Risk and Vice Versa.
8. Be realistic in Stock Market (Means Assume only that return which can be achieved)
9. Past Return not the Mirror of Future Return.
Have you even realise your MF, PMS and AIFs Portfolio: Why there is 20-25 Stocks Lists of Stocks in Large Cap and It keep going on Higher when you are willing to take Higher Rewards with Higher Risks.
The Answer lies on Investments Philosophy itself.
Means Reward follow Risk and Vice Versa.
8. Be realistic in Stock Market (Means Assume only that return which can be achieved)
9. Past Return not the Mirror of Future Return.
Main Reason for tie-up is they have very large distribution network across India.
#Brand #Trust #Franchise #Network
#BPCL #IOC #ONGC #OIL
Q. Can Hero Motocorp do the same things for Electric Charging Distribution?
A. Yes, but it is much cheaper to tie-up as you see in R&T Industry (CAMS and Karvy Fintech)
#Brand #Trust #Franchise #Network
#BPCL #IOC #ONGC #OIL
Q. Can Hero Motocorp do the same things for Electric Charging Distribution?
A. Yes, but it is much cheaper to tie-up as you see in R&T Industry (CAMS and Karvy Fintech)
Enjoy 🙂 the Tide...You will Learn How to Ride ~ Learning Mirror
Today Live@08:00PM
Today Live@08:00PM
#UnfairPractice Investors have right to complaint and raise their voices so that strict action should be taken.
This type of things happened when Investors don't know about the risk and Advisors lure investors for their own benefits.
When things are not working (In case of bad events) neither investors will understand nor Adviser take responsibility to convince him, this is because Risk part in Investments are neither been told to an Investors for their personal benefits.
Investors are taking help of advisers because they don't know anything about Investments, after paying fees if Advisers are not responding or Investments are not Invested according to Investors Risk Profile. They have the right to complaint in SEBI.
So, Jaago Investors Jaago for your Own Hard Earned Money.
Return comes with Risk and Vice versa ~ Learning Mirror
This type of things happened when Investors don't know about the risk and Advisors lure investors for their own benefits.
When things are not working (In case of bad events) neither investors will understand nor Adviser take responsibility to convince him, this is because Risk part in Investments are neither been told to an Investors for their personal benefits.
Investors are taking help of advisers because they don't know anything about Investments, after paying fees if Advisers are not responding or Investments are not Invested according to Investors Risk Profile. They have the right to complaint in SEBI.
So, Jaago Investors Jaago for your Own Hard Earned Money.
Return comes with Risk and Vice versa ~ Learning Mirror
Don't BUY (Average) Stocks YOU are not aware with, hoping it will again bounce back and make YOU billionaire.
Some Stocks are Continuously in Lower Circuit from all Time High, If YOU bought stocks at all Time High and for Some time If Lower Circuit Opens Don't fall in TRAP of Averaging, Hoping that You will exit at No Profit No Loss Price.
Stock Market is the Place of Learning if YOU made a Mistake Don't Repeat it Again.
No TIP will Make You Billionaire, With Small Amount.
If It happens also It take lot of Time, Patience and Courage.
So, Learn Skills by Reading ❤️ and Understand Risk associated with Every Investments.
You will do Wonders ~ Learning Mirror
Some Stocks are Continuously in Lower Circuit from all Time High, If YOU bought stocks at all Time High and for Some time If Lower Circuit Opens Don't fall in TRAP of Averaging, Hoping that You will exit at No Profit No Loss Price.
Stock Market is the Place of Learning if YOU made a Mistake Don't Repeat it Again.
No TIP will Make You Billionaire, With Small Amount.
If It happens also It take lot of Time, Patience and Courage.
So, Learn Skills by Reading ❤️ and Understand Risk associated with Every Investments.
You will do Wonders ~ Learning Mirror
Add PTC India (For Dividend)
and
GIC Reinsurance (GIC Re) (Mainly in Reinsurance Business and BIG Giant)
Both have Unique Business and Quoting at Good Valuation.
Note: Investors having Long Term Vision can add upto 2-3% of the Portfolio Value.
These are Small Cap Stocks In worst case (Systematic Risk) It can fall further.
Quick Rich Investors Stay Away as YOU Can't Digest Downfall.
and
GIC Reinsurance (GIC Re) (Mainly in Reinsurance Business and BIG Giant)
Both have Unique Business and Quoting at Good Valuation.
Note: Investors having Long Term Vision can add upto 2-3% of the Portfolio Value.
These are Small Cap Stocks In worst case (Systematic Risk) It can fall further.
Quick Rich Investors Stay Away as YOU Can't Digest Downfall.
#Invest Only on those assets which YOU Understand, Not Which You Listen...
Russia central bank hikes interest rates to 20% from 9.5% to bolster ruble
https://www.cnbc.com/2022/02/28/russia-central-bank-hikes-interest-rates-to-20percent-from-9point5percent-to-bolster-ruble.html?__source=androidappshare
https://www.cnbc.com/2022/02/28/russia-central-bank-hikes-interest-rates-to-20percent-from-9point5percent-to-bolster-ruble.html?__source=androidappshare
CNBC
Russia central bank more than doubles key interest rate to 20% to boost sinking ruble
The rate hike, the central bank said, "is designed to offset increased risk of ruble depreciation and inflation."
*Nine Personal Finance Rules we all should better know.*
1) Rule of 72 (Double Your Money)
2) Rule of 70 (Inflation)
3) 4% Withdrawal Rule
4) 100 Minus Age Rule
5) 10, 5, 3 Rule
6) 50-30-20 Rule
7) 3X Emergency Rule
8) 40℅ EMI Rule
9) Life Insurance Rule
1) *Rule of 72*
No. of yrs required to double your money at a given rate, U just divide 72 by interest rate
Eg, if you want to know how long it will take to double your money at 8% interest, divide 72 by 8 and get 9 yrs
At 6% rate, it will take 12 yrs
At 9% rate, it will take 8 yrs
2) *Rule of 70*
Divide 70 by current inflation rate to know how fast the value of your investment will get reduced to half its present value.
Inflation rate of 7% will reduce the value of your money to half in 10 years.
3) *4% Rule for Financial Freedom*
Corpus Reqd = 25 times of your estimated Annual Expenses.
Eg- if your annual expense after 50 years of age is 500,000 and you wish to take VRS then corpus with you required is 1.25 cr.
Put 50% of this into fixed income & 50% into equity.
Withdraw 4% every yr, i.e.5 lac.
This rule works for 96% of time in 30 yr period
4) *100 minus your age rule*
This rule is used for asset allocation. Subtract your age from 100 to find out, how much of your portfolio should be allocated to equities
Suppose your Age is 30 so (100 - 30 = 70)
Equity : 70%
Debt : 30%
But if your Age is 60 so (100 - 60 = 40)
Equity : 40%
Debt : 60%
5) *10-5-3 Rule*
One should have reasonable returns expectations
10℅ Rate of return - Equity / Mutual Funds
5℅ - Debts ( Fixed Deposits or Other Debt instruments)
3℅ - Savings Account
6) *50-30-20 Rule - about allocation of income to expense*
Divide your income into
50℅ - Needs (Groceries, rent, emi, etc)
30℅ - Wants (Entertainment, vacations, etc)
20℅ - Savings (Equity, MFs, Debt, FD, etc)
Atleast try to save 20℅ of your income.
You can definitely save more
7) *3X Emergency Rule*
Always put atleast 3 times your monthly income in Emergency funds for emergencies such as Loss of employment, medical emergency, etc.
3 X Monthly Income
In fact, one can have around 6 X Monthly Income in liquid or near liquid assets to be on a safer side
8) *40℅ EMI Rule*
Never go beyond 40℅ of your income into EMIs.
Say you earn, 50,000 per month. So you should not have EMIs more than 20,000 .
This Rule is generally used by Finance companies to provide loans. You can use it to manage your finances.
9) *Life Insurance Rule*
Always have Sum Assured as 20 times of your Annual Income
20 X Annual Income
Say you earn 5 Lacs annually, u shud atleast have 1 crore insurance by following this Rule.
1) Rule of 72 (Double Your Money)
2) Rule of 70 (Inflation)
3) 4% Withdrawal Rule
4) 100 Minus Age Rule
5) 10, 5, 3 Rule
6) 50-30-20 Rule
7) 3X Emergency Rule
8) 40℅ EMI Rule
9) Life Insurance Rule
1) *Rule of 72*
No. of yrs required to double your money at a given rate, U just divide 72 by interest rate
Eg, if you want to know how long it will take to double your money at 8% interest, divide 72 by 8 and get 9 yrs
At 6% rate, it will take 12 yrs
At 9% rate, it will take 8 yrs
2) *Rule of 70*
Divide 70 by current inflation rate to know how fast the value of your investment will get reduced to half its present value.
Inflation rate of 7% will reduce the value of your money to half in 10 years.
3) *4% Rule for Financial Freedom*
Corpus Reqd = 25 times of your estimated Annual Expenses.
Eg- if your annual expense after 50 years of age is 500,000 and you wish to take VRS then corpus with you required is 1.25 cr.
Put 50% of this into fixed income & 50% into equity.
Withdraw 4% every yr, i.e.5 lac.
This rule works for 96% of time in 30 yr period
4) *100 minus your age rule*
This rule is used for asset allocation. Subtract your age from 100 to find out, how much of your portfolio should be allocated to equities
Suppose your Age is 30 so (100 - 30 = 70)
Equity : 70%
Debt : 30%
But if your Age is 60 so (100 - 60 = 40)
Equity : 40%
Debt : 60%
5) *10-5-3 Rule*
One should have reasonable returns expectations
10℅ Rate of return - Equity / Mutual Funds
5℅ - Debts ( Fixed Deposits or Other Debt instruments)
3℅ - Savings Account
6) *50-30-20 Rule - about allocation of income to expense*
Divide your income into
50℅ - Needs (Groceries, rent, emi, etc)
30℅ - Wants (Entertainment, vacations, etc)
20℅ - Savings (Equity, MFs, Debt, FD, etc)
Atleast try to save 20℅ of your income.
You can definitely save more
7) *3X Emergency Rule*
Always put atleast 3 times your monthly income in Emergency funds for emergencies such as Loss of employment, medical emergency, etc.
3 X Monthly Income
In fact, one can have around 6 X Monthly Income in liquid or near liquid assets to be on a safer side
8) *40℅ EMI Rule*
Never go beyond 40℅ of your income into EMIs.
Say you earn, 50,000 per month. So you should not have EMIs more than 20,000 .
This Rule is generally used by Finance companies to provide loans. You can use it to manage your finances.
9) *Life Insurance Rule*
Always have Sum Assured as 20 times of your Annual Income
20 X Annual Income
Say you earn 5 Lacs annually, u shud atleast have 1 crore insurance by following this Rule.