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.

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)

Enjoy 🙂 the Tide...You will Learn How to Ride ~ Learning Mirror
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

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

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.

#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

*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.

Haha 😅😸😸😅😅