Astute Financial Services"Make Money Smartly," Ethics First

10/04/2025

11/09/2024

RELEVANCE OF GOAL PLANNING AND FIANCIAL FREEDOM POST RETIREMENT. Kindly read at your convenient time. Beware of too little too late. It is concerning to see more and more youngster joining private sector job in India. The starting salaries convert some of them indisciplined spenthrifts with extravagant habits. Such people get into life style inflation and competitiveness with peers with no worries of post retirement life and lower valuation of money per se. These people would face significant challenges as they reach their retirement. Many may struggle with inadequate savings and increasing cost, which in all probability lead to a tough financial situation in their later year.It is crucial for financial product distributors to advice individuals of over hanging requirements in their sunset years and therefore plan to secure their post retirement period with financial independence before one actually retires. I believe it's best to be strategic with spending, shopping, better even our day to day expenses etc. I recall my father telling me as a child when I asked for something beyond his means," Mann badaa chanchal hai, jee chahta hai duniyan khareed loon." He would often ask me to decide at home what are we going to buy from market and not go to market and buy things. That's how most of the middle class families could spend on good education and make their carrier. Mind you there were no coaching institutes one could at best afford teachers and porfessors from the schools/ colleges we studied in. That's why in the present environment financial advisors/ distributors always highlight the importance of goal planning and financial independence. This is also the reason why in rural India people prefer government jobs and insist on pension as pension provides the old age security. It is therefore extremely important to invest some money in retirement funds/ scheme.

13/07/2024

Bhatyal's Word of Commitment as weekend investor education. " Beware of malice in the market. In MFs it really doesn't matter as time horizon of investment is large and in scams emergency funds take care. However in equity markets sometimes it can be really painful. Recollect Harshad Mehta's scam of 1992 where in he manipulated ACC share from Rs 200 to 9000 an increase of 4400% in short span of time. Accordingly markets rose and so did the other shares. I was, must be younger than many of you, pumping with joy Commanding a submarine and everyone was my advisor. And then Harshad Mehta sold off and markets crashed. Many retail investors specially having position in futures and options lost everything. Some committed su***de. And SCAM is case study even today." That's why Barren buffet says when there is greed in market sell and when there is pain buy. Smart money was made by people who bought when markets tumbled to 7500 from 12000 during corona and retail investors lost due to panic selling.
GOOD DAY GOOD LUCK.

Commodore AS Bhatyal. (Retd)
.. .. NM, VSM.

13/04/2024

16/09/2023

The Systematic Investment Plans (SIPs)are by far the best financial saving products as these have a choice to invest as less an amount as Rs 500 and some cases it could be as low as Rs100. So these products could be called as poor man's saviour and opportunity to create wealth too. As the acronym goes it is nothing but putting in small small amount of money every week ,month quarter etc for a long duration to achieve one's defined goals. This investment is again based on risk profile of the investor and his paying capacity. The money creates wealth through a process of," RUPEE COST AVERAGING AND COMPOUNDING." That's the reason it is often said that it is not the timing of the market but time in the market that that creates the wealth. It is important to know that the money invested is invested by professional fund managers and thus you have excess to expertise and low risk.

In SIPs mutual fund units are purchased at predetermined interval based on the net asset value (NAV) which accumulate throughout the period of investment and there value is credit to the respective bank account on redemption.
SIP investment brings in the habit saving, very disciplined approach and finally patience to see through market volatility and at time correction. These products also make you see through black swan events like Corona, deep financial depression and rececction. The products also counters the pressure of inflation as SIPs calculation takes into consideration future cost of the event by taking into consideration some inflation. In otherwords the SIP instalments calculations are as accurate as can be.

It is always better to start the investments as early as possible to enjoy the fruits of wealth created. I have already many a times narrated that Rs.40 invested every day for 15 years at 15% XIRR gives a return of 8 lakhs and Rs 15000 every month for 15 years or 30 years at 15%XIRR gives a return of 1 crore or 10 crores respectively. Based on these basic calculations one can set various goals like buying a car, a house, child education etc. For each one SIP instalment is calculated and SIP started. The goals also define your time of redemption.

SAVE FIRST SPEND THE REST is a very apt way for discplined astute investor. As one grows and strats getting pay increatments, one must add part of increments to SIPs to ensure your goals get easier to achieve. One must consider mutual funds investment as an additional CHILD. Your child may change after marriage are settling abroad but mutual funds would stand by you till end.

Having created your wealth, it is imperative that your wealth is protected from erosion under various emergency condition like health emergency, loss of job, or loss of car in accident etc. For this it is essential to have emergency funds and various insurances like, life, health,vehicle etc. These must run concurrently to your invetment plans.

Thus we can conclude.
SYSTEMATIC INVESTMENT PLANS. Popularly called SIPs have been considered or touted as being the ideal way to investment and create wealth over a long period of time horizon of 10 to 30 years or more.
The SIP is focussed on philosophy of " Save first Spend Rest."The advantages of SIPs are narrate below :-
1. Disciplined Investing
2. Flexibility and affordability.
3. Rupee cost averaging.
4. Automation.
5. Power of Componding.
6.Goal oriented investing.
7. Diversification.
8. Professional management.
9. Flexibility and affordability
The investment through SIP in mutual fund are still in nascent state compared to US and Europe but is fast catching up like virus. That's the reason people keep saying " Ghar Ghar SIP."

17/03/2022

Astute is five. The proprietorship over the year has financially navigated well despite two black swan events and one grey swan. All those who have redeemed have redeemed with 15 to 20% returns except one with 6% against the advise in April 2020. The research team has done their best to protect the downside. Since most of the astute investors are young we are sure they would create wealth beyond their expectations as we calculate the SIP return at a very conservative rate. The best way ofcourse is the annual top of 10 to 15%. The volatility in the market has been there and Nifty after touching 18500 has hovered and consolidted at around 17600 over the last nine months or so. We have advised our investors to have a fair exposure to flexicap, balance and debt funds. The neutral stance of the Government in the Ukrainian crises has given an opportnity to take the best from East and best.The Russian offer in rupee terms also assists us. China's refusal to provide spares to Russia opens box of hope to Indian public sector, SMEs and thus intangible catalyst to economic growth.We are indebted to all astute investors for the type of support we got as mutaual fund investors, health insurance, motor insurance and insurance per se. We all so thank all RMs associated with us.

20/02/2022

" Mutual Fund hai to sahi hai." Is only true if you bat with good mutual fund schemes, have a balance portfolio designed to meet your financial goals and as per your risk appetite. For this either you have adequate time and patience to do research and do direct investment or have a good coach that is a par excellent advisor. To score a century you got to stay at the crease for a long time which requires patience similarly to create wealth you got to be disciplined and patient. In popular parlance it is said," It's not timing the market but time in the market." which creates wealth. The temperament is more important when market volatility is very high like poor batting pitch and so is the faith in the advisor and the portfolio per se. The review and balancing of portfolio on regular basis is also critical aspect of investments.
The financial goals bring inbuilt intrinsic discipline in investments and define the redemption when required. Risk is there in batting and markets too and should be accepted as part of the game. Remember higher the risk higher the return.
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Commodore AS Bhatyal,
Nao Sena Medal,VSM. (Retd)

We offer financial trainings on various topics related to investment, financial planning, Investment valuations. We believe in creating financial & investment awareness through trainings.

13/02/2022

From my research desk, from April to September 2021 markets jumped from 14500 to 17500 (Nifty) and since then markets have consolidated around 17500, touching 18500 and one deep correction to 16100. Markets for last 9 months have been trying to adjust for and find time value and true value for pricing. The volatility has been due to external and internal factors and 2nd and 3rd wave of corona. Presently all major events have been discounted and taken into price. The new factors mainly are present elections in five states, inflation highest in 4 decades in US, Ukrainian crises and to an extent Chinese posture since abrogation of article 370. The prognoses continues to be positive view Indian economy touching 5 trillion dollar economy by 2027. We would not grow 6000 points like last from low base of Mar 2020 (when Nifty fell to7500) but in all probability may see 20000 around Diwali. It is therefore imperative that some cash be kept in liquid funds instead of banks and shift to Equity at appropriate time. Incase of doubt stay with medium risk medium return Flexicaps, multicaps and balance funds. In these cases fund mangers paid to manage funds will take care. The most talked AMCs are Mirae asset, Canrebecco, Axis,Parag parikh, Quant, ABSL, HDFC, SBI and ICICI pru. These are my personal views and in no way to be taken as investment ideas. Always remember investments in market are subject to market risks kindly read all scheme related documents carefully prior to investmenting or consult your advisor. Incase of doubt stay with medium risk medium return Flexicaps, multicaps and balance funds. In these cases fund managers paid to manage funds will take care. The most talked AMCs are Mirae asset, Canrebecco, Axis,Parag parikh, Quant, ABSL, HDFC, SBI and ICICI pru. These are my personal views and in no way to be taken as investment ideas. Always remember investments in market are subject to market risks kindly read all scheme related documents carefully prior to investmenting or consult your advisor. The above is my market outlook for next quarter. Make Money Smartly, "Ethics and Efficiency First."

We offer financial trainings on various topics related to investment, financial planning, Investment valuations. We believe in creating financial & investment awareness through trainings.

13/02/2022

From my research desk from April to September 2021 markets jumped from 14500 to 17500 (Nifty) and since then markets have consolidated around 17500, touching 18500 and one deep correction to 16100. Markets for last 9 months have been trying to adjust for and find time value and true value for pricing. The volatility has been due to external and internal factors and 2nd and 3rd wave of corona. Presently all major events have been discounted and taken into price. The new factors mainly are present elections in five states, inflation highest in 4 decades in US, Ukrainian crises and to an extent Chinese posture since abrogation of article 370. The prognoses continues to be positive view Indian economy touching 5 trillion dollar economy by 2027. We would not grow 6000 points like last from low base of Mar 2020 (when Nifty fell to7500) but in all probability may see 20000 around Diwali. It is therefore imperative that some cash be kept in liquid funds instead of banks and shift to Equity at appropriate time. Incase of doubt stay with medium risk medium return Flexicaps, multicaps and balance funds. In these cases fund mangers paid to manage funds will take care. The most talked AMCs are Mirae asset, Canrebecco, Axis,Parag parikh, Quant, ABSL, HDFC, SBI and ICICI pru. These are my personal views and in no way to be taken as investment ideas. Always remember investments in market are subject to market risks kindly read all scheme related documents carefully prior to investmenting or consult your advisor. Incase of doubt stay with medium risk medium return Flexicaps, multicaps and balance funds. In these cases fund managers paid to manage funds will take care. The most talked AMCs are Mirae asset, Canrebecco, Axis,Parag parikh, Quant, ABSL, HDFC, SBI and ICICI pru. These are my personal views and in no way to be taken as investment ideas. Always remember investments in market are subject to market risks kindly read all scheme related documents carefully prior to investmenting or consult your advisor. The above is my market outlook for next quarter. Make Money Smartly,"Ethics and Efficiency First."