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When it comes to managing money, it is all about discipline and Strategies. Wealth Management is all about protecting your assets and multiplying it with minimum Risk. Here are some strategies which can change your finance forever Owning a house or renting it, it’s always a confusing and significant decision to make. Owning a house is a fulfilment, emotional and status attached with it. Having a home is always considered as good investment, but not always, considering as the Real Estate returns are not attractive and prices also sky rocketed. Renting generally gives a feeling of lower liability. In metro cities you can rent a house worth Rs 50 lakh for only Rs 10,000-15,000 a month. At the same time, if you buy a home at the same cost, you have to shell out anywhere from Rs 30,000 – 40,000 as an EMI (equated monthly installment).  Renting does not overburden you with EMI payments, house tax and other legal issues that are part and parcel of property ownership. One doesn’t have to be wealthy to start your investments. One can start with an amount as low as Rs 500 a month through SIPs in mutual funds. Start investing regularly with your surplus availability with consistency for the long term to build a sizeable corpus. In an event of sudden accident / tragedy for the Bread Winner, will always leave the family with nightmare and how prepared are you to handle such situations. Having a Term Insurance will help you in securing your Future Earnings. Your family or your dependents will never suffer from financial loss. A health insurance is like a safety kit that you carry with yourself and no, you don’t have to pay a large premium Medical expenses tend to gradually increase as a person grows old. With the ever-increasing medical costs, it becomes vital to ensure that you have enough health cover that can take care of various unexpected medical expenses at old age. If you fail to procure an adequate health cover for your postretirement phase, you are more likely to end up using a major chunk of your retirement corpus for unforeseen medical costs. A contingency fund ensures that you have enough to cover basic living expenses in case of a sudden lay-off or extended illness that prevents you from working full time. You can use your bonus to start your fund, or add to it if you already have one. The thumb rule is to have enough stashed away to cover 6 months of expenses, including loan EMIs and insurance premiums. Finances should be handled stress free. Always people come with the excuses of not knowing and ignoring these basic fundamentals of life. The consequences of breaking the fundamentals are often costly.  Prosper and Happy Investing  Reach out to me on 9841058689 to know more about personal Finance and investment Advisory. Click the link & Start your Mutual Fund investment  – Right Here, Right Now http://www.assetplus.in/partner/sathishkumar Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorEmail: creatingwealthadvisory@gmail.comWhatsapp / Call – +919841058689http://sathishspeaks.com/ Kickstart your Investment Journey of 2025 from here🤝🏻Check out Our New Course “Welcome to the World of Mutual Funds”🙌You will Learn:1.A-Z of Mutual Funds2.SIP Techniques & Much More You will get:1.8 Chapters2.Recorded Course3.Lifetime Access Actual Cost 4999/- and get it for 2499/-For First 100 Registrations as Launch Offer Buy it at 1999/- Use Code “SATHISHSPEAKS2025” Hurry Up Limited Period Offer Only!!!! Click the below link to enroll to the course and Transform your finances 👇https://webinar.sathishspeaks.com/

Biggest responsibility of any parent for their children is to teach them the life of Independence. Financial Freedom and Independence can be achieved only by knowing certain personal Finance concepts and certain discipline attributes. Personal finance can even be a challenge for adults. Here i have created 5 Step guide to help parents navigate financial conversations and offer tips and tricks to teach children about the importance of money.  As a parent, however, you can teach your child important financial lessons — and you should. Begin Basic Investing Children often receive money as gifts for B’days and Festivals. The idea of gifting money is to emphasis about the fundamental and Importance of Saving. But however we often forget not to talk about how to utilise these savings for Larger Purchases and to multiply their savings.Teach them about how compounding works and why it is 8th Wonder of the world. Teaching them about Smart Spending There are many ways to get the most value for your rupee spent.  For instance, a child who wants a new video game may be surprised to learn prices could possibly drop after the holiday season. Involve them when you are doing your House Hold budgeting and Financial Planning. Insist them to keep a record of everything they spend, so they can go back and evaluate if they’d like to change anything about their spending habits. Educate Credit Concepts There is nothing inherently wrong with using credit. Debts and credit should be used only for a constructive purpose like – Education & Business. As we see, many young Adults are struggling with the credit card debts. They get stuck in revolving credit with Credit cards and what is responsible credit. Inspire them to Earn Money Allowing your kids to do chores for extra cash is a great way to start teaching them the concept of earning money and also this can be a good seeding them to learn about entrepreneurship and their early age. Allow them to sell their toys, clothing, or sports equipment in OLX or similar sites. If they are into art, help them set up a website to sell their creations. It’s surprising that our schools don’t teach children about money and these lessons will definitely help them to become Financially Free and Independent. One Call Can Change your Finance Forever – Reach me at 9841058689 to become more responsible in investing and to earn high returns. Take Your First Step Towards Smarter Investment Decision. Click the below link – To Buy my Book “Untold Wealth Secrets” https://www.flipkart.com/untold-wealth-secrets/p/itmdf470e16874ad?pid=9789389080223&cmpid=product.share.pp 4  Money lessons to teach your kid Here you can understand Click the link & Start your SIP / Investment – Right Here, Right Now http://www.assetplus.in/partner/sathishkumar Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorEmail: creatingwealthadvisory@gmail.comWhatsapp / Call – +919841058689http://sathishspeaks.com/ Kickstart your Investment Journey of 2025 from here🤝🏻Check out Our New Course “Welcome to the World of Mutual Funds”🙌You will Learn:1.A-Z of Mutual Funds2.SIP Techniques & Much More You will get:1.8 Chapters2.Recorded Course3.Lifetime Access Actual Cost 4999/- and get it for 2499/-For First 100 Registrations as Launch Offer Buy it at 1999/- Use Code “SATHISHSPEAKS2025” Hurry Up Limited Period Offer Only!!!! Click the below link to enroll to the course and Transform your finances 👇https://webinar.sathishspeaks.com/

When you invest in Mutual Funds, you should be prepared to handle and mitigate 3 these important Risks Everyone wants High returns & Less Volatility. Lets understand the basic principles of Wealth creation through Mutual Funds. Every investor investment philosophy & objective are different – It is extremely crucial to understand these 3 critical factors, Whenever you design your Financial Portfolio of before selecting any schemes – Analyse and understand these 3 factors before you design your asset allocation & choosing the best performing Schemes. Remember 60% probability to get high return is from Asset Allocation, 20% of probability to get high returns is from the scheme and remaining 20% from the entry level. Remember Asset Allocation retains the major 60% of returns on your financial portfolio. Why people fail to make money in mutual funds because, they never analyse these 3 Critical Factors and start their investments with non compatible funds, High Risk funds with lower duration. This is the best time to sit with your Wealth Advisor and to check your financial portfolio is aligned with Model Portfolio of your Risk Appetite, Return Expectation and Duration of investment. One call can change your finance forever – I am reachable at 9841058689 Take Your First Step Towards Smarter Investment Decision. *Click the link & Start your Mutual Fund investment  – Right Here, Right Now* http://www.assetplus.in/partner/sathishkumar Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorWhatsapp / Call – +919841058689Email: creatingwealthadvisory@gmail.comhttp://sathishspeaks.com/ Kickstart your Investment Journey of 2025 from here🤝🏻Check out Our New Course “Welcome to the World of Mutual Funds”🙌You will Learn:1.A-Z of Mutual Funds2.SIP Techniques & Much More You will get:1.8 Chapters2.Recorded Course3.Lifetime Access Actual Cost 4999/- and get it for 2499/-For First 100 Registrations as Launch Offer Buy it at 1999/- Use Code “SATHISHSPEAKS2025” Hurry Up Limited Period Offer Only!!!! Click the below link to enroll to the course and Transform your finances 👇https://webinar.sathishspeaks.com/

1. Disciplined Approach to Investments – SIP ( Systematic Investment Plan ) A wise philosopher once said, “A journey of a thousand miles begins with a single step”. For today’s young and smart generation, he might very well have added that “the journey to immense wealth begins with a single SIP”. It does not matter that the money you have to invest is less. What matters is that you start. An SIP offers one of the best and most systematic approach to begin your investments. SIPs offer a simple and disciplined way to accumulate wealth over the long term. Mutual Fund SIPs work like bank recurring deposits, except that, they are subject to market risks and are able to generate superior risk adjusted returns compared to bank recurring deposits. SIPs in good funds have generated excellent returns and created wealth for the investors over a long investment horizon. There is a misconception that SIP works only for equity funds because it takes advantage of volatility through Rupee Cost Averaging. Remember the essence of SIP is the power of compounding; rupee cost averaging is an auxiliary benefit. SIP works as well for more conservative investment options 2. Waiting for the perfect time to start investing:  I have recently met an investor to whom I had explained about Mutual Fund investing a year back, in Wealth Secrets Program . I was taken aback knowing that he is yet to start investing. He still couldn’t commence investing because he has been looking for the perfect time to invest. I must tell you that when it comes to investing, you should never think of timing the market. Timing the market is important only when you look to trade, and not invest. The market goes through several ups and down in order to reach to point B from point A over a significant period of time. The longer you stay in the market, better your investment return. As they say Time in the market is more important than timing the market. 3. Power of Compounding In elementary school arithmetic we were taught the difference between addition and multiplication – the power of multiplication is much more than that of addition. Power of compounding in wealth creation is multiplicative not additive – your wealth will multiply if it remains invested for long tenors. In the chart above, your wealth multiplied 10 to 50 times over investment tenors of 20 to 35 years. Longer your investment tenor, higher is the wealth creation. The not so secret recipe in the wealth creation is the “power of compounding”. The concept of compounding is simple. Power of compounding is nothing but interest earned on interest or profits earned on profits. The power of compounding over a long horizon, if invested in the right asset, is enormous.  Do not opt out for dividend option, if you are not depended on this investment to meet out your regular house hold expenses. I see many investors are opting for dividends without any necessity are opting out for dividend options and losing out on compounding. Remember compounding is 8th wonder of the world. To invest in SIP & in Mutual Funds Click the link and start your investments instantly http://www.assetplus.in/partner/sathishkumar Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorWhatsApp / Call –  +9198410586809http://sathishspeaks.com/ Kickstart your Investment Journey of 2025 from here🤝🏻Check out Our New Course “Welcome to the World of Mutual Funds”🙌You will Learn:1.A-Z of Mutual Funds2.SIP Techniques & Much More You will get:1.8 Chapters2.Recorded Course3.Lifetime Access Actual Cost 4999/- and get it for 2499/-For First 100 Registrations as Launch Offer Buy it at 1999/- Use Code “SATHISHSPEAKS2025” Hurry Up Limited Period Offer Only!!!! Click the below link to enroll to the course and Transform your finances 👇https://webinar.sathishspeaks.com/

Why diversification is the foundation for Wealth Creation The Thumb Rule of wealth creation says don’t put all your eggs in one basket. It restricts the damage to your financial well-being in case one asset class or instrument goes for a toss. Why to diversify our Portfolio. The basic objective of diversification is to reduce your risk by spreading to different Asset Classes. Diversification is a risk-management technique that mixes a wide variety of investments within a portfolio. Risk and Return are always goes hand in hand, though everyone would love to earn high returns without taking any risk, in real life one has to manage risk and return together. “What investors should aim is for decent returns with reasonable level of risk,” The best way to do this is by following a disciplined asset allocation strategy. Most investors tend to focus on keeping their savings in a particular investment or asset class. Asset allocation The simplest way to diversify is through asset allocation. This means spreading your investments across a range of asset classes such as stocks, debt, cash, mutual funds, bonds, real estate and gold in a systematic manner. That way, if equity markets give poor returns, you can offset it with gains from investing in fixed income and gold. The ideal asset allocation for an investor depends on the investor’s risk appetite. The higher the risk appetite of the investor the higher proportion of his investment should be in equities. In order to determine your risk appetite, you should consult an investment advisor who can guide you on the details. It is also important to remember to diversify within asset classes as well. This is especially true regarding equity investments. It is important to remember that while buying equities is an important part of a diversified portfolio, holding similar stocks is a risky practice. IT stocks had given investors great returns during the period of 2013-2015 (an annualised return of 31%). However, the performance for the sector from 2015 onwards has been negative with an annualised return of around -3%. Investors who manage their own stock portfolios need to avoid concentrating into any one particular sector or stock to avoid such a situation. Diversified equity portfolio One way to have a diversified equity portfolio is to invest through equity mutual funds. Equity mutual funds are managed by investment experts who ensure that the holdings of the fund are diversified across different sectors. By buying an equity mutual fund, an investor gets the benefit of owning a diversified equity portfolio that is also actively managed by investments experts. Diversification is a tool that helps all types of investors—from the small-time individuals to the largest institutional investors. Until a few years back, it was hard for individual investors to reliably measure whether their investments were appropriately diversified. Take Control of your FinancesClick the link & Change your Financial Life – Right Here, Right Nowhttp://www.assetplus.in/partner/sathishkumar Sathish KumarWealth ConsultantWealth Consultant | Equity Fund Manager | AuthorWhatsapp / Call –  +919841058689www.sathishspeaks.com Kickstart your Investment Journey of 2025 from here🤝🏻Check out Our New Course “Welcome to the World of Mutual Funds”🙌You will Learn:1.A-Z of Mutual Funds2.SIP Techniques & Much More You will get:1.8 Chapters2.Recorded Course3.Lifetime Access Actual Cost 4999/- and get it for 2499/-For First 100 Registrations as Launch Offer Buy it at 1999/- Use Code “SATHISHSPEAKS2025” Hurry Up Limited Period Offer Only!!!! Click the below link to enroll to the course and Transform your finances 👇https://webinar.sathishspeaks.com/

Investors are putting most of their money on Midcap Category. Jan 2020 alone this category has seen net inflows of 1800 Crore. ( Dec 2019 net flow was only  800 Crores ) While the fact is the mid cap valuations are very reasonable and in the last 6 months this category has produced most of the returns simple way to choose the best performing funds is to evaluate the funds on the following criteria Past Performance of the Fund Upside and Downside Capture Underlying Asset performance & Assets Under Management Equity funds do not give uniform returns, the returns are always go up and down depends on the market, economic conditions and stock selections So when the markets are doing well, the best performing funds has to capture and deliver the highest returns than the standard benchmark and on the other hand when the markets are tanking, the same fund should protect the investor’s returns from the drag down.These are the Top 4 Funds which has consistent past performance with upside return capture and downside protection too and also have a good size of Asset under Management too.  Axis Midcap FundEdelweiss Midcap FundDSP Midcap Fund But Midcap funds and its returns come always with high risk. Also investor with midcap funds is expected to stay with the investment for a long duration. Midcap may not be suitable for conservative and moderate risk investors. Disclaimer – Please consult your Investment Advisor before you make any fund decision. Also Mutual Funds are subjected to market risk, please read the scheme related document before your investments. One Call Can Change your Finance Forever – I am Reachable at 9841058689 3 Reason to choose MF against PMSWhen the markets succumbing to bear and the fall is more than 35%, does the high cost product like PMS produces better returns to investors? Or the simple Mutual Fund is good enough even for savvy investors?There are 200 Plus PMS available in the market and more than 1,10 000 cr of Assets under Management are already invested.Generally Mutual Funds are applicable to ordinary and general investors while the PMS caters to wealthy and Ultra HNI segment. ( The Minimum ticket size of PMS is 50 Lakhs ) Cost comparison of MF Vs PMSWhile MF charges 1.5% – 2% of Fixed Fund Management Charges, while the PMS charges both Fixed charge structures and performance related fee ( For PMS the Fixed fee is 1.5% to 2%, with the 15 – 20% Performance related fee in excess of 10% Hurdle )Also the investor have to bear the De mat Charges ( Because the PMS needs a De Mat account ) Risk AbilitiesThe most significant difference is between MF and PMS is in the portfolio construction, while PMS is a concentrated portfolio ( 20 handpicked and high conviction funds )  where MF is a Well diversified portfolio ( 50 – 60 Diversified companies )Hence PMS naturally carries a larger risk than MF portfolio. Comparison on PerformancesBoth the MF and PMS shows the corrections and appreciations for their schemes on same level. Investor generally holding more than 5 – 6 schemes holding 100 – 120 stocks, hence there is a possibility of dilution on returns. But when you invest in 2 High performing funds in the respective category, the returns are on par with PMS. Best Performing funds like Axis Bluechip and Axis Midcap Funds have given returns at par with best performing PMS Source – ET Wealth, PMS AIF. ConclusionDespite different investing approaches and fee collected, the performances are not that different. Never choose a PMS over MF unless you have very high exposures on MF. An investor has to have sufficient exposure on MF. Opt for PMS only if you have a large portfolio in MF.  Also the PMS needs higher risk appetite and exposure. Client needs to understand the lock in period and exit loads before he signs up the PMS. Having the combination of both MF and PMS are advisable. To buy my book Untold Wealth Secrets – Click here and complete your purchasehttps://www.flipkart.com/untold-wealth-secrets/p/itmdf470e16874ad?pid=9789389080223&cmpid=product.share.p *Click the link to consult the best performing Mutual Funds* *Change your Financial Life – Right Here, Right Now* http://www.assetplus.in/partner/sathishkumar Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorEmail: creatingwealthadvisory@gmail.comWhatsapp / Call –  +919841058689http://sathishspeaks.com/ Kickstart your Investment Journey of 2025 from here🤝🏻Check out Our New Course “Welcome to the World of Mutual Funds”🙌You will Learn:1.A-Z of Mutual Funds2.SIP Techniques & Much More You will get:1.8 Chapters2.Recorded Course3.Lifetime Access Actual Cost 4999/- and get it for 2499/-For First 100 Registrations as Launch Offer Buy it at 1999/- Use Code “SATHISHSPEAKS2025” Hurry Up Limited Period Offer Only!!!! Click the below link to enroll to the course and Transform your finances 👇https://webinar.sathishspeaks.com/