Health Insurance

 

MY dog Can Walk on Water

 

Frog Story

 # FROG STORY #

Put a frog into a vessel filled with water and start heating the water. As the temperature of the water begins to rise, the frog adjust its body temperature accordingly. The frog keeps adjusting its body temperature with the increasing temperature of water. Just when the water is about to reach the boiling point, the frog decides to jump out. The frog tries to jump but it is unable to do so because it has lost all its strength in adjusting with the rising water temperature. Very soon the frog dies. What killed the Frog? Think about it!

I know many of us will say the boiling water. But the truth about what killed the Frog was its own inability to decide when to jump out.

Likewise, in investing too one has to stay invested, have to be patient, etc. but that does not mean one stops monitoring and making course correcting decisions like asset allocation and reallocation based on changing market conditions.

While these decisions may be few and far between, but they have a huge impact on whether we are able to meet our goals or not.

This is where investors need Financial Distributors; for the few and far between decisions that can change the course of their lives.

Devarajan S Ph 9840177017

Story of the Week: To do Much in LIfe time

 

Small is Beautiful

'Small is Beautiful' applies in investing too

There was once a tree at the edge of a forest that had deep roots, a thick trunk and wide branches. A lot of birds sat on its branches and passers-by sat under the cool shade that the tree provided to beat the scorching sun. At the foot of the tree there was a small plant that seemed slender and delicate and swayed at the slightest breeze.

The big tree was very proud of its achievements and often mocked the smaller plant. It even advised the small plant to follow in its footsteps and spread its roots wider. To this, the smaller plant smiled and remarked that it was safe just the way it was. The big tree had a hearty laugh at this thinking that the small plant had lost its mind.

But the big tree had spoken too soon. A few days later, a big hurricane struck the forest. The hurricane was so strong that it uprooted the thickest of trees, including the big tree at the edge of the forest. However, the small plant had managed to twist and turn with the strong gushing winds and survive the storm!

The story of the big tree carries a lesson for equity investors. There are many who feel that one needs to invest large sums in equities to create wealth over the long term. But this may not be true. Even smaller sums invested regularly over a stretch of time can help to compound and yield a large corpus.

Similar to the small plant which braved the hurricane, you too can create wealth despite bouts of volatility by choosing the SIP route. The only condition is that you need to be persistent and withstand the negative periods of the market. We therefore say that SIP is like a good EMI – an investment and not an instalment. Just as we are committed to pay our EMI, we should continue our SIPs for longer periods of 10, 20, 30 years and create wealth in the process. So if you believe that small is beautiful, then SIP is the way forward to meet your long term investment goals.

S. Devarajan Ph 9840177017

 

Story of the Week

Once upon a time, a small boy planted mango seeds. The seeds then produced a healthy mango tree.

The little boy loved to come and play with the tree everyday. He waters the tree and love it. He also climbed the tree , ate the mangoes, took a nap under the shadow... He loved the tree and the tree loved to play with him.

Time went by, The little boy grew, and he no longer played around the tree.
One day, the boy came back to the tree with a sad look on his face. "Come here and tell me what you need?" The boy replied, "I want toys. I need money to buy them." "Sorry, I don't have money... but you can pick all my mangoes and sell them so you will have money." The boy was so excited. He picked all the mangoes on the tree and left happily.

One day, the boy grown into a man returned. The tree was so excited. "How can I help?" the tree asked. I have to work for my family. We need a house for shelter. Can you help me?" "Sorry, I don't have a house, but you can chop off my branches to build your house." So the man cut all the branches off the tree and left happily. The tree was glad to see him happy

One hot summer day, the man returned and the tree was delighted. "How can I help you now? " The tree said. "I am sad and getting old. I want to go sailing to relax myself. Can you give me a boat?" "Use my trunk to build your boat. You can sail far away and be happy." So the man cut the tree trunk to make a boat. He went sailing

This story highlights the need to have a financial plan which like the tree will ensure that at every stage of your life you are able to fulfil your needs.

Start early, plant your financial sapling. As you grow it will provide you with your needs.
Devarajan S 9840177017
 

Health Insurance

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Story of Week. Risking

 

Secret to Build Wealth

 "Secret to build wealth - buy assets, avoid liabilities"

The rich invest their money and spend what is left. Their investment is focusing on the long-term acquisition assets such as stocks, bonds, business and real estate and what that asset will earn. The rich know exactly how they need to think in order to earn money. They always think (dream big) and act from the view of playing the game to win. They make sound investment decisions which are always based on their financial goals rather than market movements, controls their thoughts and emotions every day. They spend money on education seminar, books, newspapers and learn. By increasing their knowledge, they are able to see more opportunities, which translate into more money.

The poor spend their money in luxury items such as car, watches, electronic gadgets, jewellery, etc. and invest what is left. They spend more time and effort to buy the right luxury items than to buy the right financial products. They seek advice of financially struggling friends or relatives and blindly invest where they indicate; never try to understand basic investment principles and feel doing investment are confusing & difficult. They are always in a state of mind where thoughts such as "I can't afford it" or "Live below your means" come from. They are constantly fighting for financial survival, regardless of how much money they made.

The middle classes generally do not spend on such assets which make them wealthy in the long term. They spend their money on liabilities treating them as assets. As their philosophy is to buy more real assets, though it is beyond financial capacity and treat them as investments. This is in reality increase their expenses, erodes their savings and lead to a great debt trap and into more financial uncertainties. Invest wisely. Speak to your Financial Distributor today.

Name: Devarajan S

Firm Name: Devarajan, Insurance Advisor

Mobile: 9840177017