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A new phrase is spreading like a wild fire which is FIRE  – “Financial Independence and Retire Early” It takes a lot of Diligence, Intelligence and Dedication to Retire Young when you are a millionaire and you built your own fortune. Many young entrepreneurs who share the same habits that have helped them to achieve early retirement and maintain their financial independence It’s their habits that creates wealth and build momentum for rest of the things to multiply your wealth.  1. Inventory of Finances These young retirees walk on the same path in diligently tracking their earning, progress and spending.   When it comes to planning their future – they have complete control over their spending. They knew their networth and they also calculate how much to spend annually.  They have a complete track of their spending; spending is like an addiction but they keep track of their expenses. 2. They don’t spend too much on Housing Reduced housing expenses can help you in freeing more money into Financial Investments and other assets. They don’t buy or spend money on lavish houses. They live in modest home, optjmised space in accessible area 3. They focus on increasing their Income Planning to retire young is not about saving and spending less, but making more money. Increasing your income is much more important and that gives you opportunity to invest more money, more frequently with acceleration. 4. They are comfortable in living outside their Comfort Zone Stepping out of comfortable zone can help you to make uncomfortable money decisions.  They take decisions which are aligned and supportive to their financial Goals, even certain financial decisions are not comfortable to make.  Young Retirees see the glass as half full on most things. They take informed decision with  To invest in SIP & in Mutual Funds Click the link and start your investments instantly http://www.assetplus.in/partner/sathishkumar Sathish Kumar Equity Fund Manager | Financial Consultant | Author Whatsapp / Call –  +919841058689 http://sathishspeaks.com/ *4 Powerful Money Habits of Entrepreneurs who Retired Young* *A new phrase is spreading like a wild fire which is “Financial Independence and Retire Early”. Click here and learn more about it* *To invest in SIP & in Mutual Funds Click the link and start your investments instantly* http://www.assetplus.in/partner/sathishkumar *Sathish Kumar* *Equity Fund Manager | Financial Consultant | Author* http://sathishspeaks.com/

Almost all my investors who have spoken to me in the last 30 days had only one common question which is – What should i do with my investment on these volatile times? After all the market is filled with news on Economic Slowdown & Volatility which gives lot of nervousness to not only the first time investors and Beginners but also to seasoned Investors.   Also, they are in a panic situation that they are losing their money that they have invested in stock markets and thinking that should they continue with the SIPs? Or Change the Product portfolio / Asset Allocation or Redeem and invest with FD’s? So before you take any action on your existing Portfolio, Answer these 3 Questions If the answer is no – Just keep Investing. Market is dynamic; you can’t predict the levels of the market. Invest for long term and stay patient. With carefully chosen high performance schemes in Mutual Funds or buying Right Stocks – Your investment will yield you higher returns. With the History of Sensex since 1979, over the last 40 years, markets have delivered higher returns whenever market hits the dip. This has happened in the past and History will repeat again. Connect with you Financial Advisor – for your investment Strategies or connect with me on 9841058689 – To increase your Networth and Wealth. Take Your First Step Towards Smarter Investment Decision. Helping people to Increase their Networth and Wealth. Sathish Kumar Equity Fund Manager | Wealth Consultant | Author Email: creatingwealthadvisory@gmail.com Whatsapp / Call –  +919841058689 http://sathishspeaks.com/ http://www.assetplus.in/partner/sathishkumar

When 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 PMS While 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 Abilities The 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 Performances Both 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. Conclusion Despite 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.!

The No 1 Question is whether you should apply brake in equity market due to excessive rally and high valuations. Strategy 1 Sharp rally in the last five months made most of the portfolio overshot on the limits in your equity. Keep the Portfolio Re balanced to your pre determined allocation. This will help to book profits and reduce your risk if the market corrects. The impact in your portfolio will be low and you can still switch if the markets goes down. Review your portfolio always as every quarter. Rebalancing your portfolio may help you to adjust your sail if the market nose divesKeep exit load and your tax obligations in your mind when you do rebalancing your portfolio. Strategy 2 STP is the time tested way to participate in volatile market. When the market goes up or down, your money is always protected and get appreciated.If it is a lump sum, take the STP route. You can even convert your high risk equity to liquid funds and initiate a STP. You can even reduce your equity participation and play safe it with switching it to debt fund or dynamic asset allocation fund.The fears of a market correction given these valuations are real and it may be time for you to get more involved in managing your portfolio. Consult an adviser to focus on what you can control instead of getting influenced by the state of the economy and the markets which you can’t predict. Take Your First Step Towards Smarter Investment Decision.Helping people to Increase their Net worth and Wealth.

Over the last few years mutual funds have transformed from a push product, where the investors have to be convinced about it to Pull Product, Because of the awareness and necessity among the people to allocate some of their portfolio on Mutual Funds. Mutual Fund Asset Under Management are also grows from 17.5 Lakhs Crore to 25 Crore in last 2 years, which is roughly 40% Rise and the SIP Contributions are alone raised from 4000 Cr per Month to 8500 Crore Per Month. Kavry Projects the individual Financial Wealth in Mutual Funds will grow at the rate of whopping 18.32% rate by FY 2024.  Best Performing Large Cap and Multi Cap are the categories which are famous among the investors for delivering long term average Returns of 14% CAGR are the core of Investors Portfolio. Number tell stories, Economic Survey tell us that with India is projected to grow towards US $ 5 Tn Economy by FY 2025, ( My point is even if this happens by 2028 also, the sensex still can keep the long term average of 12.75% of CAGR for MF Investors ) The recent trends are the share of Mutual Funds and Direct Equities are growing at the cost of physical assets like Gold and Real Estate.  With the growing army of HNI’s and we hope that very soon India will break into the Elite G 3 Club (Third Largest Economy) when it hits the US $ of 5 TN GDP.  Source – Karvy Wealth Report One Call Can Change your Finance Forever Take Your First Step Towards Smarter Investment Decision. Helping people to Increase their Networth and Wealth. Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorEmail: creatingwealthadvisory@gmail.comWhatsapp / Call – +919841058689http://sathishspeaks.com/http://www.assetplus.in/partner/sathishkumarhttps://www.flipkart.com/untold-wealth-secrets/p/itmdf470e16874ad?pid=9789389080223&cmpid=product.share.pp 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/

2020 has witnessed unprecedented events, not only with stock markets but with all spheres of our life. Though gold has hit its all time high, Equity markets have witnessed its highest volatility. It’s a roller coaster ride all through 2020 for Investors. But both the debt investors and Equity Investors have earned handsome profits.  Here is a Report Card that gives you returns in each category among Equity and other Asset Classes. Gold has rallied among the uncertainty IT and Pharma has delivered its historical highest returns in Equity  Banks and PSU has delivered its worst returns in 2020 Large, Mid and Small cap has delivered its risk reward ratio returns. Conclusion The key lesson in 2020 which you should never forget would be 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 | AuthorWhats app / Call – 9841058689https://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/

CAMS IPO opens today with share prince band of 1229 – 1230 and this issue closes at 23rd Sep. Chennai Head quartered CAMS is India’s Largest RTA with 70% of Market Share with more than 2 decade of experience. Their Mutual Funds clients includes 4 out of 5 largest Mutual Funds in India and 9 out of 15 Largest Mutual Funds with Huge Assets Under Management CAMS have well diversified portfolios with largest pan India physical network, Risk Management and Domain Expertise.  Strengths of CAMS Risk Area alert  Conclusion With the company leadership positions integrated business model, Pan India Geographic presence and healthy financials – I recommend this IPO for both listing gains and as a long term investment To review your portfolio and for Direct Stock Recommendation, pls call me at 9841058689  One call can change your Equity Portfolio forever. To open a Demat and Invest in Direct Stocks with my Recommendation https://app.aliceblueonline.com/openAccount.aspx?C=SSP03 Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorWhats app / Call – 9841058689https://sathishspeaks.com/#sathishspeaks 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/

About the Company Incorporated in 1998, Likhitha Infrastructure Ltd is an oil and gas pipeline infrastructure service provider in India headed by the rst generation entrepreneur Mr. Srinivasa Rao Gaddipati having around 3 decades of technical experience. The co-promoter Ms Likhitha Gaddipati post-graduated from Illinois Institute of Technology, Chicago has worked with PWC (USA). The company is engaged in providing ‘services of laying’ oil & gas pipelines, city gas distribution projects, cross-country pipeline projects, and operations and maintenance services as well. The company has presence in more than 16 states and two Union Territories in India. It has successfully laid around 600 Kms of oil and gas pipelines including steel and medium-density polyethylene (“MDPE”) network. Additionally, the company has laid approximately 800 kms of oil and gas pipelines for on-going projects. Strengths about the company 1) Order Book as of July 31, 2020 stood at approximately Rs.662.59 crore  2) Likhitha Infrastructure is among very few companies with almost zero debt. Average ROC in the last three years stood above 45% and average RONW above 24% and positive operating cash prot. It’s average NP margin above 12%. Working capital days last 3 years stand at 31.30, 34.09 and 4.72.  3) Significant experience and strong presence in India, It is one of the well-established oil & gas pipeline laying companies in India with diversified operations spread across various geographical regions such as Karnataka, Delhi-NCR, West Bengal, Gujarat, Goa, Andhra Pradesh, Kerala, Tamil Nadu, Telangana, Madhya Pradesh, Jharkhand, Bihar, Chandigarh, Haryana, and Uttar Pradesh. Its client includes leading City-Gas-Distribution (CGD) Companies.  4) The Company has on more than 31 on-going projects across India. It has good experience and strong presence across the country with strong project execution capabilities and experienced management team. Its clients include leading City Gas Distribution (CGD) Companies.  5) The Company has secured 5 new Pipeline Infrastructure contracts over the last few months & has long term relationship with clients and gets repeat business on regular basis. f) India’s pipeline network is expected to expand to around 35,000 kms in the next 5-6 years, based on which the Company is also planning to expand its pipeline laying execution capacity to a range of 250-300 kms per year.  6) Government focus on gas distribution leads to clear growth visibility.  7) Strong project execution capabilities and experienced management team.  8) In listed space there are very few companies with ‘high ROC, high profit margin and zero net debt companies available above 20 PE. High earning growth and PE growth can generate good returns for investors in coming days. Conclusion – This IPO is valued at 12 times of EPS, which is very reasonable valuation. Given that the gas segment and distribution are in govt focus and development of Emerging India. I recommend applying for this IPO with medium and long term view Disclaimer – Pls consult your wealth manager / Advisor before purchasing the IPO. The information and opinions contained herein have been compiled or arrived at, based upon information obtained in good faith.  Optimise your FD return by investing in Mutual Funds Click the link & Change your Financial Life – Right Here, Right Now http://www.assetplus.in/partner/sathishkumar To open a Demat and Invest in Direct Stocks with my Recommendation https://app.aliceblueonline.com/openAccount.aspx?C=SSP03 Sathish KumarEquity Fund Manager | Wealth Consultant | AuthorWhats app / Call – 9841058689https://sathishspeaks.com/http://vanigam.org/chm5/Sathishkumar.M-vcard.htm #sathishspeaks 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/

With 8000 No of Schemes and a vast number of Mutual fund choices often confuse the Investors.  Investors will tempt to pick up multiple choices and category on their portfolio. But how to select the funds and how to build up your Mutual Fund Portfolio is both an art and science. Your Mutual Fund Asset Allocation should be based on these 3 Criteria With these 3 criteria you may choose the following combinations of funds Do not try to have all the categories to your asset allocation for the sake of diversification. When you have a huge number of schemes in your portfolio (More than 15) it gives only bloated and difficult to monitor and to review your portfolio. Have only selected and high performing 5 funds in your portfolio. Remember schemes don’t get high returns, only the asset allocation will bring best returns for your wealth creation. Also be remembered to review your portfolio every 3 months to check the performance of the funds as the financial markets are dynamic. Take Your First Step Towards Smarter Investment Decision. 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 | Financial Consultant | AuthorFounder – Creating Wealth CompanyEmail: creatingwealthadvisory@gmail.comWhatsapp / Call – +919841058689http://sathishspeaks.com/http://vanigam.org/chm5/Sathishkumar.M-vcard.htm 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/

Death is often not only a reality check in Family but with personal finances too. LIC has more than 15,000 Crore as unclaimed money. The beneficiaries not even aware that a corpus money is available with them and that can be utilised for their financial emergencies.  As you are struggling your loss of loved ones, it’s not only an emotional loss but may be a financial loss too. If an active and financial spouse passes away suddenly, it is a night mare for a family to make claims and complete the financial tasks.  Here are the simple checklists you can start with  Most of people they do not even inform the family about the money matters, financial assets they possess. It is important to keep a personal record of all details like Your Stock Broker, Insurance Agent, Tax Consultant, Wealth Manager and all phone numbers. Message me in whats app @ 9841058689. If you want a checklist of what your family should know as a ready reference. Keep your Personal Finances is simple and organised so that you can be reviewed regularly in 3 months interval. Connect with me @ 9841058689 if you want to know manage your finances effectively. One call can change your finance forever. 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 | Financial Consultant | AuthorWhatsapp / Call – +919841058689http://sathishspeaks.com/http://vanigam.org/chm5/Sathishkumar.M-vcard.htm #sathishspeaks 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/