Showing posts with label students. Show all posts
Showing posts with label students. Show all posts

Sunday, July 25, 2021

How to make life easier?

To make life easier, I would prefer to go straight to the issues rather than getting bogged down in too many theories.

  1. Choose a good life partner who understands you and who understands you. Even if it takes some time to find him. Although it is not that easy, but try to make your career as much as we try for it. Whatever hard work you put into it, it will definitely be worth it.
  2. Don't collect unnecessary stuff . Nowadays, there is a big trend of minimalism, many people keep only as much as they come in a backpack. Even if you do not have a lot of crazy, then keep checking all your belongings from time to time. Say goodbye to whatever stuff is not working in them for a long time. You will feel much lighter.
  3. Avoid doing tasks yourself for which you can hire employees. People will also get employment and you will be able to put your energy in such works which are close to your heart and whose utility is more. Just keep in mind one thing, if you have got dogs to protect the house, then avoid barking yourself .
  4. Learn how to spend for essential amenities . If the heat cannot be tolerated and it affects your functional capacity, then buy an AC. Even if you save money there, you will remain in loss overall. Similarly, if it seems necessary to invest money on things like heater, geyser, fridge, washing-machine, microwave oven, etc., then do not think much.
  5. Learn to say no. You can save a lot of energy if you learn to say no to unnecessary tasks. Be it relatives or friends or neighbors, no one lags behind in taking advantage of the habit of saying yes . If you create an image of a person who does not say clearly, then people will not even dare to ask.
  6. When it comes to making a decision, instead of passing it on to others, tell your own decision first . By mentioning your time, your place and your convenience, it happens many times that your point of view is accepted and you are saved from the inconvenience of the Khamkhan.
  7. Do not give out your phone number, email id, home address etc. to everyone . Also, don't friend everyone on Facebook, Instagram unless you use social media for your work . Use useful ways to make your feed stand out like putting unnecessary content into the 'note interested' category and unfollowing someone while still being friends.
  8. Keep 'Do not disturb ' mode active in mobile at night and keep notifications off if not needed even during the day .
  9. Be sure to leave the house for some time . If possible go for a walk. (The exception is the situation of lockdown during Corona.)
  10. Be sure to have some hobbies out of yoga, meditation, music, art etc. And if nothing else, watch only laughing programs
Source : Zen Jain

Wednesday, July 21, 2021

What are skills I can learn while at work?

Wake up at 4am ( scientifically proven) & give your 2 hours daily. Never mind initially how slow it can be, just invest 2 hours daily. Remember, you cannot skip even a single day.

Now, after 30 days, you would have completed 60 hours of that learning. Congratulations you have initiated something. “Initiating” something is first rule for Success. Now, continue with same consistency & side by side work on any projects related to skills you are learning to understand faster .

Remember: Don't panic if it's taking time. Trust me, everyone had faced same problem initially. Just continue your daily practice.

Now after one year, 365 days or say, 730 hours of that skills has been completed. Isn't that's sufficient now?

That's power of consistency!

When you would have finished that amount of time, you would gain enough confidence to drop your work & now work for your dreams.

All the best.

Source: Amit Kumar

Sunday, July 18, 2021

What can completely change our life to another level?

  1. You don’t need other people to validate you, you’re already valuable,
  2. Be low key, be private, be humble,
  3. The longer you can delay short term gratification, the bigger the reward in the long term,
  4. The greatest discovery of all time is that a person can change his future by merely changing his attitude,
  5. Limit your negativity, maximise your gratitude. Make today count.
  6. Believe deep down in your heart that you’re destined to do great things,
  7. Life is a lot like sports. If you don’t play, you’re going to spend a lot of time watching others score,
  8. If you let go of all your baggage & wake up in the morning with a clean slate, every amazing possibility would be free to enter your life,
  9. If you’ve no long term vision or purpose or goals you’ll chase random things that come by. It’s important to sit & think deeply about where you want to be in the next 1, 5,10yrs & let your vision guide your choices,
  10. Stop looking for happiness in the same place you lost it,
  11. No one in this world is rich enough to buy his own past. Enjoy each moment before it gets beyond reach,
  12. Respect yourself enough to walk away from anything that no longer grows you,
  13. Remember, most of your stress comes from the way you respond, not the way life is. Adjust your attitude, & all that extra stress is gone,
  14. Even a correct decision is wrong when it’s too late………Life is a game of timing. Respect time & time will respect you,
  15. Being strong means recognising the things you can’t change, realising the things you can, & having the wisdom to tell the difference between the two,
  16. Don’t let bad days make you think that you’ve a bad life,
  17. Spend some time loving your life . Be strong & smile at life even though it hurts sometimes,
  18. Sometimes we’ve to stop being scared & just go for it,
  19. You’ll never please all people all the time. So, never try,
  20. Throw away what you’ve been cluttering,
  21. Don’t sit on the couch & wait for things to happen, make things happen,
  22. You need people in your life that are further along than you, people that have bigger vision, people that are more experienced, people that are out of your league. You need to be exposed to new levels so that you can go to new levels!
  23. Just Chill.!!
Source : Mukul Royy

How to reach Ion Digital Zone IDZ IIMT Campus Plot No 20-A, Knowledge Park-III, Greater Noida

Hello Friends

Today I will share another route of exam centre which is very far away from Delhi and it's better to go to centre on exam day only.

Today I am sharing the route of another TCS exam centre "ION Digital Zone IDZ ,IIMT Campus, Plot No 20-A, Knowledge Park-III, Greater Noida".
The route of exam centre is very easy and you can easily reach the centre on exam day.

1. First the common metro station is Botanical Garden Metro, so if you are from Delhi, then first reach botanical garden metro station. And if you are outsider, then first reach Delhi and read 1st point again.

2. After reaching Botanical garden metro station, then you should take bus which goes to Pari Chowk/sometimes direct to exam centre.

Fare : Botanical to Pari Chowk- 30 Rupees
           Pari Chowk to IIMT - 20 Rupees

3. If bus doesn't go direct to exam centre, then it will leave you to Pari Chowk, then you can take sharing auto there to IIMT exam centre which cost you around 20 rupees.

I hope this will help you out.
Best of luck for your exam.

Wednesday, June 9, 2021

How do I develop a strong presence and personality?

1- Do not be a cocky person - Instead, be humble.

2- Be stylish - Brush your teeth. Trim your hair. Wear cool clothes. The result? People are going to find you interesting.

3- Knowledge - “Knowledge is power” - Francis Bacon.

4- Have the courage to share your point of views - Think of your opinions as candies. If you don’t give them away, kids will not like you.

5- Commit to your goals - It is nice to have goals, but it is AWESOME to have commitment.

6- Be a positive person - Today, negativity is everywhere. It is in our family members, friends, co-workers. Therefore, chances of remaining positive are low. However, if you possess the ability to tackle anything in front of you, then chances of remaining positive become high.

7- The less you talk, the better - Blabbering is annoying. Plus, it gives people the urge to stay away from you. The solution? Talk less. You will not regret.

8- Stand up for others - When you see somebody in trouble, you know what to do now.

9- Be you - Why do you want to be a gazelle instead of a lion? Life is too short.

Source : Adil Ja

Tuesday, June 8, 2021

What seems easy but is really hard?

1.Waking up early in the morning for Study ( I set alarm everyday…rest you all know 😂)

2. Continuing gym daily for a year ( we take membership for year and then…..😂)

3. Proposing a girl ( note : don't propose especially in public places until you are 100% sure )

4. Frankly talk between father and son ( generally we boys hesitate lot to talk something funny or frankly with father, but we are totally open with our mother ; bdw some exceptions exist )

5. Facing first time a girl or boy for arriange marriage (too awkward situation)

6. Smooching for the first time.

7. For a boy, crossing alone across the group of girls; and vice versa (that awkwardness) [ Pic — don't imagine, you have already faced this🤭 ]

8. At last, making ultra pro+ strict time table for study is easy but following atleast it's 10% becomes hard 😂😂

Source : Priyanshu Kumar Shroff

Thursday, June 3, 2021

What are some common financial mistakes poor people make?

Broadly and statistically speaking they:

  1. Don’t save
  2. Don’t invest
  3. Buy luxuries (meaning non-essential goods)
  4. Get into debt with credit cards or loans

Point 1 and 2 is why poor people stay poor and rich people become richer. There’s nothing else and no other reason or way. To get more money, you need to save a certain percentage and invest it in a certain vehicle.

Point 2 and 3 is why poor people get poorer or why some rich people become poor. There’s no surer way to lose money than waste it away instead of putting it to work (make your money work for you) or get into debt which mean you’ll make compounding and time work against you.

Source : Justin d'Anethan

Wednesday, June 2, 2021

Preparation Tips to Ace the IBPS Clerk Prelims Exam

The Institute of Banking Personnel Selection (IBPS) conducts a common recruitment exam for the recruitment of Clerks in the Participating Banks.  IBPS is one of the most reputed government organizations in India. Thus, a large number of applicants appear for the exam to secure government jobs offering an attractive IBPS Clerk Salary and various other perks/allowances. IBPS Clerk 2021 will be conducted in the coming days. Thus, it is advised to the candidates to start their preparation right away.  

Good Preparation Strategy is considered as one of the main reasons behind the selection of the candidates. On that note, let’s discuss the top preparation tips to ace the IBPS Clerk Prelims Exam.

IBPS Clerk Exam Preparation for the Numerical Ability

Numerical Ability is considered one of the toughest sections in the exam. It involves a lot of formulas and calculations which makes the section lengthy. To ace the section of the numerical ability, candidates can take the help of the following tips.

  • Focus on learning the basic concepts of each topic of the section

  • Master the tricks to answer a few important topics which are Number Series, Quadratic Equations, and Simplification & Approximation. The questions from these topics are asked every year. Thus, the candidates must learn the tricks to solve the questions in less time.

  • Maintain short notes of the formulas of the important topics and do the revision on a regular basis

  • Last but not least, practice topic-wise and sectional mock tests of this section to enhance your accuracy. 

Some of the important topics covered in the Numerical Ability Section are mentioned below

Numerical Ability

Simplification and Approximation

Number Series

Quadratic Equations

Profit & Loss


Ratio & Proportion

Data Interpretation

Time & Work

Time, Speed, and Distance


IBPS Clerk Exam Preparation for the English Language

English Language section is one of the most scoring sections in the exam. This section mainly assesses the basic understanding of grammar rules and vocabulary of the candidates. Some of the important points stated below that the candidates must consider while preparing for the English Language section.

  • Learn and revise the grammatical rules on a daily basis

  • Make a habit of reading the newspaper and maintain short notes of important topics. This will not help the candidates in getting familiar with new words, but also be helpful in the preparation of the current affairs section for the mains exam.

  • Attempt mock test of English Language sections daily

Some of the important topics covered in the English Language Section are mentioned below.

English Language Section

Reading Comprehension

Spotting Errors

Fill in Gaps

Cloze Test

Basic Grammar


IBPS Clerk Exam Preparation for the Reasoning Ability

Reasoning Ability can be one of the highest-scoring sections if the candidates have understood the tricks and logic to solve the puzzles. This section needs a lot of practice. The more you practice the important topics, the better your speed and accuracy will be while attempting the actual exam. Below are a few tips to prepare for the Reasoning Ability section.

  • Puzzles, Seating Arrangements, and Syllogism are some of the important topics that carry a good weightage of marks. The Question paper consists of these topics every year. Therefore, candidates are advised to practice more and more and improve this speed with accuracy in solving the questions related to these topics.

  • Learn the basic concepts of each and every topic included in the syllabus

  • Solve questions from the previous year’s question paper to get an idea of what types of questions are asked every year.

  • Practice as many mock tests and quizzes as you can to build a strong grip on the reasoning section.

Reasoning Ability

Seating Arrangements



Blood Relations


Direction Sense


Distance & Directions

Linear & Circular Seating Arrangements

Candidates applying for the IBPS Clerk Prelims Exam can formulate a good preparation strategy with the help of the IBPS Clerk Syllabus and Exam Pattern in order to perform well in the exam.

I hope you like this, so kindly comment below the post and do share your response. Thanks for reading :)

Saturday, May 22, 2021

लड़कियों से संबंधित कुछ दिलचस्प तथ्य कौन से हैं, जिन्हें ज्यादातर लड़के नहीं जानते हैं?

  1. लड़कियां फेक लडको को पसंद करती हैं।
  2. लड़कियों को फेंटसी में जीनेवाले लड़के पसंद आते हैं न कि धरातल मे जीने वाले।
  3. उन्हें पिंक कलर ज्यादा पसंद है।
  4. उन्हें चापलूसी भी पसंद है।
  5. उन्हें आवरा, दबंग और केयरलेस टाइप के लड़के कुछ ज्यादा ही पसंद है।
  6. लड़कियां मानसिक रूप से मजबूत होती हैं।
  7. लड़कियां शापिंग करने की शौकीन होती है।
  8. लड़कियों की याददाश्त लडको के मुकाबले बेहतर होती है।
  9. लड़कियों में परिस्थितियों को समझने की बेहतर काबिलियत होती है।
  10. ज्यादा समय तक राज को राज नहीं रख सकती।

(उपरोक्त बातें सभी लड़कियों के लिए नहीं है)

Source : अजय सिंह बघेल 

Sunday, March 21, 2021

वो कौन सी 5 आदतें क्या हैं जो मेरे जीवन को बेहतर बना सकती हैं?

  1. कभी मल्टीटास्क न करें। एक समय में एक कार्य पर ध्यान लगाओ। यदि आप एक ही बार में अधिक काम करते हैं, तो आप सभी काम पर ध्यान नहीं दे पाएंगे!

2. अनजाने लोगों से कभी बहस न करें। आप कुछ भी पूरा नहीं करेंगे और अपना समय बर्बाद करेंगे, साथ ही आप बहुत निराश हो जाएंगे।

3. कभी भी गपशप में शामिल न हों। ऐसे लोग हैं जो दूसरे लोगों की पीठ पीछे बात करना पसंद करते हैं और इस बारे में बात करते हैं कि दूसरे लोग क्या करते हैं, कैसे रहते हैं, कितना बनाते हैं, आदि। यह सब व्यर्थ ऊर्जा और समय है।

4. कभी भी आवेगी निर्णय न लें। सो जाओ और अगले दिन अपना फैसला करें जब आप शांत हों और आप एक उद्देश्यपूर्ण दिमाग के साथ अपने जोखिमों की गणना करने में सक्षम हों।

5. कभी भी गुस्से में बिस्तर पर न जाएं। जिस प्रियजन या मित्र के साथ आपका तर्क था, उसके साथ शांति बनाने की कोशिश करें। रीसर्च के अनुसार, "नींद के दौरान, मस्तिष्क नकारात्मक यादों को संग्रहीत करने के तरीके को पुनर्गठित करता है, जिससे भविष्य में इन संघों को दबाने के लिए कठिन हो जाता है।"

Source : Sunny Sahni

जीवन में काम आने वाली कुछ प्रेरणादायक महत्वपूर्ण बातें क्या हैं?

जीवन में काम आने वाली कुछ प्रेरणादायक महत्वपूर्ण बातें जिसे पढ़ने के बाद आप अपने जीवन में इसे अपनाना अवश्य चाहेंगे।

1.जीवन में कितना भी बड़ा दुःख क्यो ना आए,अगर उसे ठीक कर पाना आपके बस में नहीं है तो 5 मिनट से ज्यादा दुःखी मत होना और आगे बढ़ जाना तभी जीवन जीना सीख पाओगे वरना आप जीवन भर किसी न किसी बात को लेकर दुःखी ही रहोगे।

2. इंसान उतना ही बड़ा बनता है जीतना बड़ा वो सोच सकता है, इसलिए जो भी सोचो बड़ा सोचो।

3. क्रोध में भी शब्दों का चुनाव ऐसा कीजिए की जब गुस्सा उतरे तो खुद की नजरों में सर्मिदा ना होना पड़े।

4. बुद्धिमान वहीं होता है जो अपनी कमियों को किसी के सामने उजागर नहीं करता। घर की गुप्त बातें , धन एवं सम्पत्ति की बातें , दूसरो द्वारा धोखा, मन की चिंता , इन सभी बातों को खुद तक ही सीमित रखना चाहिए।

5. सही परिस्थितियों और सही समय रहते करियर बनाने के लिए काम शुरू कर लीजिए वरना, यदि एक बार समय हाथ से निकल गया और परिस्थिति खराब हुई तो खराब परिस्थितियां आपसे काम करवायेगी और आपको रो रो कर मजबूरी में जीवन भर काम करना पड़ेगा।

6. जिंदगी में जो कभी give up नहीं करता वहीं सफल होता है। हर दिन इतनी मेहनत जरूर कीजिए कि रात में सोते वक्त आप ख़ुद के लिए बोल सके — वाह क्या व्यक्ति हैं ये जो अपने लक्ष्य तक पहुंचने के लिए पागलों की तरह मेहनत करता है।

7. उत्साह में बड़ी सक्ती होती है उत्साह से बढ़ कर दुनिया में कोई दुसरी सक्ति नहीं होती है ।इस दुनिया में ऐसा कुछ भी नहीं है जो एक उत्साही व्यक्ति प्राप्त ना कर सके अर्थात अपने काम को लेकर यदि आप उत्साहित हैं तो एक दिन आप सफलता तक जरूर पहुंच जायेंगे।

8. फिर से प्रयास करने से कभी मत घबराना , क्योंकि इस बार सुरूवात शून्य से नहीं , अनुभव से होगी।

9.. वो करो जो आप को पसंद है लोगों की चिंता मत करो क्योकि लोगों का काम है कमी निकालना । लोग तो भगवान में भी कमी निकाल देते हैं फिर तो हम इंसान हैं।

10. दुनिया चाहे जो भी कहें लेकिन जो अपनी काबिलियत पर यकीन रखता है वो एक दिन मंजिल तक पहुंच ही जाता है।

11.. ठोस सिद्धांतों तथा नियमों पर चलने वाले लोग ही इतिहास रचा करते हैं।

Source : उज्ज्वल शर्मा

Tuesday, March 16, 2021

If someone invested 10,000 in ITC IPO. what is the present value?

ITC ltd was incorporated at 1980. ITC is the leading company in tobacco & FMCG sector. ITC is professional managed company and no promotor holding. In tobacco sector gold flake , navy cut e cigarette under ITC brand. ITC cover 80% share of tobacco sector and also no. Of brand FMCG sector under in ITC. Present market cap of ITC is RS 2,50,897 and CMP (current market price ) is RS 203.

ITC launch IPO in 1980 then the value of one share of ITC is RS 3 . in 1980 anybody invested RS 10,000 in ITC he gets RS 3,333. Lets find out the present value.

ITC bonus and stock split history---

1. Bonus 1980—(1:5) = 3,999

2.Bonus 1989 –(1:1) = 7,998

3. Bonus 1991 –(3;5)= 11,197

4. Bonus 1994 –(1:1) = 19,195

5. Bonus 2005 –(1:2)= 28,792

6.Face value 10 to 1 = 287,920 ( stock split in 2005)

7. Bonus 2010 – (1:1) = 575,840

8. Bonus 2016 – (1;2)= 863,760

Present value of ITC 863,760 shares is RS 175,343,280

Apart from these ITC ltd company give consistent dividend.

Means ITC ltd convert your 10,000 to 17.5 crore

Time period – 40 years

Note--- compounding is the 8th wonder of this world.

Sunday, March 14, 2021

ELSS और SIP में क्या अंतर है?

ELSS और SIP दोनों म्यूच्यूअल फण्ड ही हैं। ELSS एक म्यूच्यूअल फण्ड का प्रकार हैं।

SIP म्यूच्यूअल फण्ड में निवेश करने का तरीका हैं। SIP के द्वारा आप किसी भी ELSS म्यूच्यूअल फण्ड में भी निवेश कर सकते हैं। SIP म्यूच्यूअल फण्ड में निवेश करने का सबसे बेहतरीन तरीका हैं।

What are the most common financial mistakes 20-year-olds make?

  1. Not saving and investing now as they assume it is `too small`
  2. But even $50 a month invested now is worth $700 at 65, or more, in inflation adjusted terms
  3. Not reading on finance
  4. Peer pressure. I did this. Spent money on impressing people I don’t even like
  5. For example, going out drinking at university, when you don’t even like drinking.
  6. Not learning from others
  7. Not focusing on long-term goals. If you are 21–22, you don’t need to care about your salary at 24 or 25
  8. You see so many people on Quora saying `I am 18, how can I get rich quick`. The reality is, in 5 years you will only be 25 or 26. 10 years , 30–32.
  9. Linked to number 8, avoid chasing high basic salaries in certain situations. Most graduates focus on the highest basic salary, but one of the best things younger people can do is go into a highly focused career. Like recruitment, real estate, sales or whatever. Have a small basic. Don’t give a damn about money in year 1, 2, 3 or even 4. Learn your craft. By 26, 28 or 30, you are much more likely to be making good money compared to your peers who took the `stable route`
  10. Learn to fail . Trail and error.
  11. Avoid get rich quick schemes
  12. Avoid `boxing yourself in` by buying property or being closed minded to emigration.
  13. Get a job after graduation. Get good at it. Then start your own firm. Not the other way around.
Source : Adam Fayed

Monday, March 8, 2021

अरबपति लोगों का कैसा माइंडसेट होता है?

अरबपति लोगों का माइंडसेट हमेशा अरबपतियों जैसा ही होता है। वे लोग हमेशा पैसा और अपने बिजनेस को बढ़ाने के बारे में सोचते है और उन पर एक्शन भी लेते है। अरबपतियों ओके माइंडसेट को समझने के लिए हम कुछ विचार आपके लिए साझा करना चाहते है।

" बिजनेस उसका जो से चलाना जानता है और पैसा उसका जो उसे कमाना जानता है "

" नोट का मालिक बनने के लिए उसे कमाना पड़ता है "

" हार और जीत में एक ही फर्क होता है 'भूख' जीतने की भूख पैसा कमाने की भूख "

" Make Assets, Make Money "

" सिर्फ कुछ ही लोग पैसों से नहीं, बल्कि उसको कमाने की प्रोसेस से प्यार करते है "

" अरबपति लोग पैसों के पीछे नहीं भागते, बल्कि पैसों को अपनी ओर आकर्षित करते है "

" अमीर लोग हर काम को करने का टाइम टेबल बनाते हैं और उसका अनुसरण करते है "

" पैसों को एक बीज की तरह देखो जिसे बोकर आप और अधिक पैसे कमा सकते है "

किसी ने क्या खूब कहा है - " अगर आप अरबपति बनना चाहते हैं तो अपने डाउनलाइन (अरबपतियों से कम कमाने वाले) को करोड़पति बना दीजिए वे आपको अरबपति बना देंगे "

तो यह थे अरबपतियों के कुछ विचार जिन्हें अरबपति लोग सिर्फ सोचते ही नहीं, बल्कि उनका अनुसरण भी करते है।

Thursday, March 4, 2021

चाणक्य नीति के अनुसार जीवन में कंगाली आने के पांच संकेत कौन से हैं जिन्हें देखते ही सतर्क हो जाना चाहिए?

वैसे जीवन में कंगाली आने के बहुत से कारण हो सकते है पर क्योंकि आपने चाणक्य नीति के अनुसार पूछा है तो जवाब भी ठीक वैसे होगा जैसा चाणक्या नीति में बताया गया है.

  1. घर में क्लेश होना: चाणक्य जी ने कहा है की जिस घर में रोज़-रोज़ क्लेश होता है वहां कंगाली आना तय है. ये आर्थिक कमज़ोरी का संकेत है. कहते हैं जिस घर में रोज़ रोज़ क्लेश होता है वहाँ लक्ष्मी जी निवास नहीं करतीं।
  2. पूजा पाठ ना करना: जिस घर में नियमित पूजा पाठ नहीं होता वहां हमेशा दरिद्रता बनी रहती है. पूजा पाठ करने से नकारात्मक ऊर्जा बहार जाती है और सकारात्मक ऊर्जा अंदर आती है.
  3. बुजुर्गो का अपमान: जहाँ बुजुर्गों का सम्मान नहीं होता, उस आदमी के जीवन में कंगाली का आना तय है. जीवन में बुजुर्गों का आशीर्वाद बहुत ज़रूरी है.
  4. कांच का टूटना: चाणक्य नीति के अनुसार जिस घर में कांच टूटता है वहां भी दरिद्रता आती है. यही कारण है की कांच का टूटना अशुभ माना जाता है. इसलिए टूटते कांच को जल्द से जल्द बाहर फेंक देना चाहिए।
  5. तुलसी के पौधे का सूखना: हिन्दू धर्म में तुलसी के पौधे का अपना महत्व है. तुलसी के पौधे का ना सिर्फ धार्मिक महत्व है बल्कि इसका औषधीय महत्व भी है. नीति शास्त्र के अनुसार जिस घर में तुलसी का पौधा सूख रहा है वहां की आर्थिक स्थिति कमजोर हो रही है. अगर ऐसा है तो उस इंसान के जीवन में कंगाली आ रही है.

Wednesday, February 17, 2021

Are mutual funds meant for long term investments?

To be precise, equity mutual funds are meant for long term investments.

The reason is simple. Equity mutual funds invest the money in the stock market. The stock market is volatile in nature. It means the returns are not fixed. I nthe short term, the stock market is more volatile but in the long term, the market trajectory is always towards an upward direction.

Let me explain this volatility with an example of a large-cap equity mutual fund performance during Covid19:

Case 1:

  • If you had invested Rs 1 lakh in Kotak Bluechip Fund - Direct growth just one year ago in Nov 2019, then by March 2020 (within 4 months), you would have lost 33% of your investment value.

Now, just imagine what would be your reaction?

If you are someone who has no idea about how a mutual fund works, you would simply panic! You would think - “What a mistake I have made! Within 4 months, I have lost Rs 33,696. If I continue further, I might lose all my money. So let me exit from this fraud of mutual fund.”

Well, I won’t blame you. Anyone without knowledge about mutual funds would panic with such a loss. Just imagine, if you had invested Rs 5 lakh then you would have lost Rs 1.68 lakh!

Case 2:

But, on the other side, if you had invested Rs 1 lakh on 23rd March 2020 then what would be your investment value by now?


Within 8 months, your Rs 1 lakh would be worth Rs 1.66 lakh! That’s a profit of 66% or an annual return of 120%.

Do you know why such a huge difference in return?

Because the market crashed in March 2020 due to Covid19. Hence, if you had invested before the crash, your portfolio would be in red. But, if you had invested during the crash, you would have made a great profit after market recovery.

Obviously, these are specific examples that I have picked just to show the extreme volatility in the market in the short term.

Case 3:

What could be a more realistic scenario?

If you had invested Rs 1 lakh in Nov 2019 and continued till date i.e. almost 1 year, your portfolio would be worth Rs 1.1 lakh.

During this period, the market crashed and recovered.

Case 4:

What if you had made a SIP of Rs 10k/month?

You would have invested Rs 1.3 lakh and your investment value would be Rs 1.5 lakh! Now, this is the most realistic scenario.

Do you know why the returns are better in the case of SIP?

Simply because you invested even when the market crashed. That’s rupee cost averaging. You purchased more units of a mutual fund when it’s NAV fell down.

But the problem is that a lot of investors do not understand the importance of consistent investment for the long term. Many investors fall under case 1 where they invest in the short term and if the market fall, they panic and sell their investments.

If you want to create wealth, you need to invest in mutual funds for the long term.

Do you know how much you would be worth if you had made a SIP of Rs 10k in this same Kotak Bluechip Direct Growth Fund 5 years ago?

Your Rs 6.1 lakh of investment would have fetched a profit of Rs 2 lakh with an annual return of 11.39%. Now, these 5 years include the Covid pandemic, demonetization, GST glitches, US-China trade war, etc. In spite of all these problems, the returns are still great! Hence, if you invest in the equity mutual funds for the long term, then you will fetch good returns.

Just to give you an idea, the same Rs 10k/month if invested in a fixed instrument like FD at ~6% return would have given a profit of Rs 1 lakh in 5 years. (Note: We have not considered the taxation. If we consider taxes, the returns from FD would be even lower than mutual funds)

Having said this, if you are looking to build an emergency fund where you can park your money for the short term and can access it anytime with minimum volatility in returns then you have the option of debt funds like liquid fund, money market fund, etc. Although the returns are not fixed on debt funds as well, you can expect an annual return of 6%-8%.

PS: I opted for Kotak Bluechip Fund only as an example. Mutual fund selection should be done on the basis of financial goals and risk appetite and it would vary from person to person. It is important to build a diversified mutual fund portoflio.

If you invest in Kotak Bluechip fund and want to know where exactly your money is getting invested, you can check the portfolio of the fund. Here is the latest portfolio:

So out of your Rs 10k, Rs 956 would be invested in Reliance, Rs 808 would be invested in Infosys, Rs 789 would be invested in HDFC bank and likewise. But the fund manager would keep churning the portfolio every now and then. This portfolio is as of 31st Oct 2020.

Note: All these screenshots are from moneycontrol website.

Source : Sahil Bhadviya

Monday, February 15, 2021

What are common mistakes made by first time house buyers?

Here are 7 rookie mistakes I’ve seen others make…I’ve bought and sold a number of homes now, and I watch these happen again and again.

The 7 Mistakes!

  1. They Buy at the Top of their Range. Don’t you want to be able to go out, travel, have a decent car or be able to weather a job loss? Always buy *below* what you can afford.
  2. They Are Misled By Beauty. There is a reason people hire staging companies or do minor upgrades - it sells homes. Don’t let the beauty of the interior mask real problems of the house…it is far more important that a house functions for you or doesn’t flood, than whether you love that midcentury light fixture.
  3. They Shop in the “Hot Neighborhood.” You don’t want the hot neighborhood…you want the *next* hot neighborhood. You will pay at the top of market for the cool factor of now…but if you buy in the next place to pop, you’ll have equity for days.
  4. They Make “Emotional” Decisions. This is the biggest financial purchase of your life…make it with your head, and not *only* your heart. You can fall in love with many homes, make it a smart purchase - make sure the numbers work, pay for solid inspections, and be able to walk away.
  5. They Only Think About the Mortgage Payment. That mortgage payment is only one expense of owning a home. You have utility costs, property taxes, school taxes, maintenance, sure to count those in because they can be significant! Check out the property taxes and other expenses early.
  6. They Overlook “Grandma Homes.” An aesthetically “ugly” house with good bones, in a solid neighborhood is almost always a great investment. So what if it has shag carpet or an “ugly kitchen?” Buy the home, contract that out, and save yourself at least $100K off your purchase price. Even better? Do the work yourself over time & you can sell at a profit if or when you move.
  7. They Shop For Others/Appearances. Don’t look for a place that will impress your friends, buy a house that works for you. It’s better to have a small yard for your pup, than a master bedroom that looks good on Instagram. You will appreciate that yard every day, and the “likes” aren’t worth it.
Source :Julie Gurner

Monday, January 18, 2021

सच्चाई पर आधारित मनोवैज्ञानिक तथ्य कौन से हैं ?

  1. बहुत बार सामने वाला इंसान आपकी बात का इसलिए जबाब नहीं देता क्योंकि उसे लगता है कि आप उसे समझने के लायक नहीं है।
  2. यदि कोई व्यक्ति छोटी छोटी बातों पर भी ज्यादा हँसता है तो वो अपने आप को अंदर से अकेला महसूस करता है।
  3. आप जितने ज्यादा ठन्डे कमरे में सोयेंगे, रात को उतना ही डरावना सपना आने का चांस बढ़ जायेगा
  4. सोने से पहले जिस आखिरी व्यक्ति का ख्याल आपके मन में आता है, वो आपकी ख़ुशी या दुःख का कारण होता है।
  5. अध्ययनों द्वारा यह पता चला है की महिलाएं औसतन 47 घंटे और 15 मिनट से ज्यादा किसी भी सीक्रेट बात को अपने तक नहीं रख सकती हैं।
  6. अगर आप हमेशा यही चिंता करते रहेंगे कि “लोग क्या सोचेंगे” तो आप कभी भी खुश नहीं रह सकते।
  7. जो इंसान सबको खुश करने की कोशिश में लगा रहता है, आखिर में वो सबसे ज्यादा दुखी होता है।
  8. यह देखा गया कि दूसरों पर पैसा खर्च करने से ज्यादा ख़ुशी मिलती है बजाये अपने आप में खर्च करने के।
  9. एक मनोविज्ञान अध्ययन में पाया गया है की वो करोड़पति जिन्होंने अपनी संपत्ति को खुद कमाया है, वो उन लोगों की तुलना में अधिक खुश हैं, जिन्हें यह विरासत में मिला है।
  10. अगर आपने अपने प्लान या योजनाएं किसी को बताई तो उनके पूरे होने की संभावना न्यूनतम होती है। इसलिए कहते हैं काम पूरा होने से पहले किसी को बताना नहीं चाहिए
Source : Shami 

Sunday, January 17, 2021

What are 5 basics of finance/investment I should know as a 25 y/o?

  1. Now is the right time
  • Now is always the right time in markets
  • The markets started 1900 at around 66. They hit 26,600 this year
  • Don’t try to time markets
  • Don’t confuse volatility and stability

2. Anybody can become a millionaire on a middle-class income

  • The evidence is clear

3. Be an investor not a speculator

  • Be long-term
  • Read about asset allocation and fees

4. Spending habits are key

  • They are more important than income
  • Anybody can become broke

5. Read the evidence

  • The most important thing
  • 98% of people haven't read it
  • Base your decisions on the evidence and not emotions

Also remember, that wealth is just income - expenditure x compounded returns. Work on all three in tandem. For example, save money on your rent and auto insurance renewal, reinvest it, and it all compounds. Avoid divorce as it destroys half of your wealth etc.

Source : Adam Fayed


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