Story of the Week. giving up Too soon

 

Timing the Market

"Time in the market is more important than timing the market"

Are you still waiting on the sidelines, when

>> Markets are touching new highs everyday

>> Investor confidence is rising

>> There is a stable government at the center & new policy decisions are expected

>> Hope are ripe for improving macro factors

>> Foreign investors are finding India attractive investment destination

What are you waiting for...?

It is time for you to build exposure towards equity. Equity Mutual Fund is an ideal option for many of us in such scenarios as there is a dedicated professional fund manager managing our money, taking buying/selling decisions in fundamentally good companies and ensuring lower risks through diversification.

So, stop worrying about timing the market and start disciplined investing via SIPs in Equity Mutual Fund. In a SIP, the investor regularly invests a sum of money every month into buying units of a mutual fund. Because investment is made in small parts or installments, SIP helps investors avoid the risk of timing the markets and helps create wealth in a disciplined manner.

Benefits of SIP:

* Regular investing makes difference

* Reduces the risk of lump-sum purchases

* Power of compounding

* Benefit of taxation

Ct Devarajan 9840177017

Story of the Week. Song Bird

 

A Beautiful "Vacation"

 A BEAUTIFUL "VACATION" CALLED PERSONAL FINANCE

Have you wondered that our best holidays are always amongst the hills and mountains, rivers and seas, forests and greenery, flowers and animals.

Only a weird person would like to spend his holidays amongst roads, bridges, infrastructure, airports, railway stations etc etc.

It's not that infrastructure is of any lesser value and worth but just the quality of shapes and structure ; glass buildings, etc does not make a holiday that one can cherish.

Good 'Infrastructure' is just a 'means' to an 'end'.

We need good infrastructure like roads, bridges and airports to reach far off erstwhile inaccessible locations to discover the wealth of nature.

The above example is nothing short of a lesson in 'Personal Finance'.

Earning money and wealth creation has little meaning unless we have clear 'Life Goals' such as education, marriage, entrepreneurship,house purchase,retirement etc.

Money for the sake of money is like the cold but useful 'infrastructure' but when money works to meet our goals the entire experience is like a well earned holiday.

Therefore, it is crucial to link our investing to clearly defined goals.

Otherwise, we are wasting an opportunity called 'Life'.

Devarajan S Ph 9840177017

Story of the Week. Dead Mouse

 

Maintenance

 MAINTENANCE

I was in a photography studio talking to the owner who lends out a large room for photo shoots. On the face of it, his business looked easy. Rent out a room and it seemed there was no other cost to battle. But what took me by surprise was what the owner had to say. According to him maintenance was a big cost for keeping things in motion.
While I was travelling by second AC train, I could see that the seat was not locking well when it was raised to act as a back rest. The netted pouch that's meant to hold the mobile phone and wallet etc along side the berth was torn from the sides and was giving way. All didn't look fine because of these glitches. These were not big lapses but little maintenance failures.
Look at 3 star and 4 star hotels. They look spic and span when they are launched but over time they begin to wear a very tired look for lack of adequate maintenance. What separates a 5 star from the others isn't anything gigantic. Just maintenance.
Likewise in personal finance, the wealth when left unattended can actually rot. A good Financial Distributor isn't meant to overhaul the investment from time to time. All that he needs to do is make small changes here and there for the sake of maintenance. It may seem less significant but plain and simple maintenance of the client's wealth is all it takes for the client to reach his or her goals.
Devarajan    9840177017 General & Health Insurance 
Vanaja Krishnamurthy  Ph 98410 04043 Max Life/Terminsurance/Savings Pan /Retirement Planning
Raghu Prasad Ph 95009 81499 Wealth Planning , Mutual funds, Investment

Jeevan Arogya