Friday, September 5, 2014

Your teacher’s lessons will help you for life!!

 On Teacher’s Day while we remember our teachers and the countless lessons they taught us, the first thing that they might have inculcated in us, apart from their endless efforts to make us understand algebra and Shakespeare - is discipline. May it be reaching class way before the last bell rings, or doing our homework regularly to even polishing ourshoes on a daily basis, discipline in small ways has made a big difference in shaping the kind of people we are. We need to ensure that we inculcate that same discipline when it comes to our investment styles!

Discipline is the key to sound and healthy investments. Remember when you, as a child, used a piggy bank to save money? The coins you dropped into the piggy bank were miniscule in value, but they teach an important lesson in financial discipline - Save Small, Save Regularly. Today, this very approach applies to your financial wellbeing. With volatile markets and high spending habits, it is advisable to make small investments regularly and systematically rather than a large investment all at once. When you invest regularly & systematically, you reap the benefit of compounding (as explained in our previous article).

For example, if you plan to save Rs 2,000 per month for 10 years. Your total saved amount thus would be = Rs. 2, 40,000 per year. Now if you assume a fixed rate of return of 12% per annum, after 10 years your investment stand to Rs. 4,60,077. That is a difference of Rs. - 2,20,077! How did it amount to that? Simple, your savings used the power of compounding to transform into wealth. Do you still need an incentive to discipline your savings?

Like your teacher used to guide you, all you need is a guide, someone to handhold you and help you learn and manage your investments. Since most of us do not have the time or the expertise to understand markets and where should one invest, it is always better to invest in Mutual Funds.
Always invest in time, if you are planning to buy a car some years later, don’t wait for that salary hike to finance the car, start investing in Mutual Funds through SIP and build your corpus. Find out what your SIP will yield in different time frames. Do your homework to figure out which Fund House best suits your investment style and risk appetite, is the fund house going with the trend? Or is it unafraid to swim against the tide and take investment calls, which may look strange at that time but in the long run, are beneficial for your portfolio.

3 comments:

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Disclaimer

Disclaimer : All information given here is for information purpose only. Users are advised to rely on their own judgement or investment advisor when making investment decisions. This blog is not liable and take no responsibility for any loss or profit arising out of such decisions being made by anyone acting on such advice.

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This blog is formed for sharing useful information from financial world. This blog aims to increase the awareness among the people so that they are well informed .The blog also shares some details for investor, trader ,newbie friends in stock market on free buy/sell/hold recommendations. Here the recommendations are shared along with information on Stock Splits, Right Issues, Bonus Issues, Latest Stock market updates. This publication is not, and should not be construed to be, an offer to sell or a solicitation of an offer to buy any security. This publication, its publisher, and its editor do not purport to provide a complete analysis of any company's financial position. The publisher and editor are not, and do not purport to be, registered investment advisors. Any investment should be made only after consulting a professional investment advisor and only after reviewing the financial statements and other pertinent corporate information about the company. Investing in securities is speculative and carries a high degree of risk. Past performance does not guarantee future results. This publication is based exclusively on information generally available to the public and does not contain any material, non-public information. The information on which it is based is believed to be reliable. Nevertheless, the publisher cannot guarantee the accuracy or completeness of the information. This publication contains forward-looking statements, including statements regarding expected continual growth of the featured company and/or industry. The publisher notes that statements contained herein that look forward in time, which include everything other than historical information, involve risks and uncertainties that may affect the company's actual results of operations. Factors that could cause actual results to differ include the size and growth of the market for the company's products and services, the company's ability to fund its capital requirements in the near term and long term, pricing pressures, etc.

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