Stay the course, Equities will deliver
Greetings from PenguWIN: PenguWIN wishes you a wonderful Vinayagar Chaturthi !!! There is a sense of negativity in the market with investors doubting whether Indian Equities as an asset class has lost its mojo. Returns from lumpsum investments done 3 years ago, SIPs that are 4 to 5 years old are close to zero or even negative. Will Indian Equities Deliver? The answer is a resounding “Yes”, Stay the course and Equities will deliver. As...
Navigating Tough Times in Stock Market
Greetings from PenguWIN: Most people dislike uncertainty and change. But resilience to these characteristics is what makes a successful investor in Stock Markets. Reminiscing couple of Buffets Quotes “The most important quality for an investor is temperament, not intellect. You need a temperament that neither derives great pleasure from being with the crowd or against the crowd. Successful investing takes time, discipline and patience. No matter how great the talent or effort, some things just...
Have you accounted for Lifestyle Inflation?
On analysing the portfolios of large number of investors, I find that that once they start their Systematic Investments (SIPs, STPs) to build a corpus, with or without specific goals, there is a tendency to feel that their personal finance is in place. Specifically, when SIPs are started in equity funds, investors feel that it’s the universal panacea for all their financial needs. Let me explain it further with an anecdote. Vikram, aged 25, is...