Mutual Funds Strategy 110: SIP Works Best When Markets Are Falling

Do you know why Systematic Investment Plans perfectly fit investors who do not wish to time the market? The answer is because of Rupee Cost Averaging (RCA). RCA is obviously borrowed (not stolen) from Dollar Cost Averaging (DCA) and the benefits of them as per Investopedia are: Dollar cost averaging can lower the average amount…

14th Nov 2024 — PostMortem on Nifty — Will we break 23000?

Nifty Stance Bearish ️⬇️ In last week’s report, we changed the stance to moderately bearish and kept a stop loss of 24394 for a neutral stance. What happened on Monday was quite unexpected, we rallied almost 340 points from the opening low and I had to exit my position at a minor loss. Right after…

8th Nov 2024 — PostMortem on Nifty — stance slightly bearish

Nifty Stance Bearish ️⬇️ The report we sent out last week had a full bearish stance, but this week we have reduced the intensity of the bearishness. The new stance is upgraded from bearish to slightly bearish. The rationale is that the momentum needs to really build up for further downfall. 23854 is the magic…

മ്യൂച്ചൽ ഫണ്ട് ഇൻവെസ്റ്റ്മെന്റ് ഇരുപതാം വയസ്സിൽ തന്നെ തുടങ്ങേണ്ടതായിരുന്നു…..

ഇൻവെസ്റ്റ്മെന്റ് തുടങ്ങാൻ ഏറ്റവും നല്ല പ്രായം 20 വയസ്സ് തന്നെയാണ് കാരണം 50 വയസ്സ് വരെയെങ്കിലും ജോലി ചെയ്താൽ നല്ലൊരു തുക സമ്പത്തായി ഉണ്ടാക്കാൻ പറ്റുന്നു. വെറും 1000 രൂപ പ്രതിമാസം ഇൻവെസ്റ്റ് ചെയ്യുകയാണെങ്കിൽ അമ്പത് വയസ്സാകുമ്പോൾ 44 ലക്ഷത്തിൽ കുറയാതെയുള്ളൊരു സംഖ്യ നിങ്ങൾക്ക് ഫണ്ട് ബാലൻസ് ആയി ഉണ്ടാക്കാൻ പറ്റുന്നു. ഇപ്പോൾ പ്രായം 40 ആയി പക്ഷേ മ്യൂച്ചൽ ഫണ്ടിൽ ഇൻവെസ്റ്റ്മെന്റ് ചെയ്തതും ഇല്ല. ഇനി തിരിച്ച് 20 വയസ്സിലേക്ക് മടങ്ങി പോകാനും പറ്റില്ല. നല്ലൊരു…

Inflation — the silent killer & the greatest nightmare for our Government

Economists have been saying that inflation is a broad daylight theft and impacts the poor more than the rich. People think Inflation is the rise of prices on commodities, but the reality is that it is the loss of purchasing power of the currency. I did a short video on this, you can watch it…

1st Nov 2024 — Nifty up 90pts, dropping coverage on BankNifty + PostMortem & Weekly Analysis

Nifty Stance Bearish ️⬇️ The Nifty went up by 90 points 0.38% this week, but we are still in a bearish hold and hence are not revising our stance. We saw a good bounce on the 28th morning session and then we gave up some gains in the afternoon session. On Tuesday we started falling…

Mutual Funds Strategy 109: The Curious Case of Asymmetric Returns

You might have seen countless calculators used by financial advisors. They say that if you invest Rs10000 monthly, your total fund value will be 25 lakhs in 10 years. The statement is not wrong per se, because a computer program gives the final result. Most likely the advisor would have assumed a 13% constant return…

25th Oct 2024 — Had a good Bear Run, what is the new base?

Nifty Stance Bearish ️⬇️ We fell 649pts ~ 2.61% this week and our bearish stance from the prior week helped us gain some money. My October PnL was in deep red, thanks to the abrupt swings in between — but the unidirectional move this week was a real blessing and I was able to cut down my…

Mutual Funds Strategy 108: What if you missed the Boat, were unable to start the SIP when you were…

Last week I met 2 investors in their 40s who were living with the regret that they missed the SIP boat when they were in their 20s. They told me, that investing Rs5000 in their 20s was much easier, their expenses were lower and they had decent savings. Now in their 40s, it is hard…