_*Mutual funds sahI hai, Mutual funds are risky*_

Mutual fund campaign in 2017.... *Mutual funds sahi hai*

Mutual fund campaign in 2020 (sachin & dhoni).... *Mutual funds are risky*

I suppose, both these campaigns should have been done the other way round, in timing 😂

2017...on risk

2020....on sahi hai

_*Time the Market?, it'll Time Us for sure*_

All fixed income schemes had a field day, yesterday 😀

Lesson again for many..... *If we try to time the market, it'll time us for sure* 😌

_*Health or Wealth*_

Everytime I ask this question to people, _Health_ as a response comes from many 👏🏼

My follow-up question, for this response.... _You have all the health in the world but not a penny in your pocket, what happens then?_

Will your health stay the same way forever, without a penny in the pocket? 🤔

Bottomline.....

It's not choosing between _Health or Wealth_

In my view....

The choice is quite *Relative* to one's current position in life, on both these parameters.

_A person with enormous wealth & no health...... suffers_

_A person with the best health & no wealth......suffers, too_

But, there are also times when both _*health & wealth come together or deplete together, at the same time*_

_TODAY, THE WORLD IS IN THAT PHASE OF DEPLETION_

But, will this phase be this way, forever?

_*NO*_

My strong belief is that humankind fought through tougher periods of both health & wealth; & everytime people start to think that all is lost........ _*THE NEW BEGINNING STARTS....... it starts with a bang & leads us to the new world order of a better health standard & a higher wealth standard*_

_FOR TOMORROW'S BETTER HEALTH & WEALTH, stay safe today, stay indoors_ 🙏🏼

_*Janata Curfew (stay indoors), Investor Curfew (stay invested)*_

Pls don't go out today unless it's absolutely essential / emergency.

Investors shouldn't sell their equity holdings when they fall, in times like these.

_Self imposed curfew on movement_

_Self imposed curfew on selling equities_

But....let's make

_Productive use of time at home_

_Productive use of liquidity in investing_

*Hold your movements*

*Hold your portfolio*

_*Falls, Falls & Falls*_

From the beautiful alpine peaks seen in Jan 2020, we've now fallen into the valley and rushing towards a waterfall....

Yes, as I've been discussing over the last 10 days with anyone asking me the question; Where do see the fall end? Or, Is this the bottom?

My response to these questions were always standard & will continue to be standard.... _*I Don't Know*_

One day this waterfall has to end & has to touch mother earth. Then, the currents will stabilise & the water starts to flow smoothly.

_Untill then......it's going to be a fall_

Having seen the years 2000 & 2008 quite closely, I've no doubt in saying that, this phase too shall pass.

How much time? _Again, I don't know_

How do we survive? _The basic rules of Money Management_

Will we see the peak again? _We'll for sure surpass it, one day_

Is this the end of the word? _I don't think so_

Is this the end of the Capital Markets? _I don't think so_

Is the concept of Money going to evaporate? _I don't think so_

Will many many people die? _I don't think so_

Will there be temporary difficulties in managing one's Money & Life? _Yes, for sure_

Will such event recur again sometime in the future? _Yes, most likely_

How do I get comfort today? _Manage priorities sensibly. Manage money sensibly. Manage life sensibly_

Again, How much to go on the fall as we are down about 31.56% from the recent peak? _*I DON'T KNOW*_ maybe, 40% from peak or 50% from peak or 60% from peak 🤔

How can I live with it? _If the Asset Allocation was made right,  if the Spending is tight & if one has the patience to hold..... we'll definitely live to see the all time peaks in the future_

We're in this together & we'll fight it out together 🙏🏼

_*Lock-in, Equity & Investors*_

Yes Bank shareholders are locked in for 3 yrs 🙂

Equity Investors should lock-in themselves for 30 yrs ☺

_*Should we Invest now or Should we wait?*_

Should we Invest now????

It's an important matter that we need to understand on, when to invest @ -10%, -20% or -30% froma pure return perspective.

_YES_, that decision makes a difference.

But, an even more important question to ask ourselves is, _*Can We Stay Invested for the next 10, 20 or 30 years?*_

The former variable of....

_When should we Invest?...is purely based on a market movement, & is not under our control_

But the later variable of.....

_How long can we stay invested?… is to a high probability, under our control_

The best output is delivered when both the variables end up on our side.

But, is that possible for everyone & everytime?

I doubt 🤔

Let's have clarity on how long are we going to stay invested....that keeps majority of issues at bay 🙂

_*Dow Jones, but can be for any investment as well*_

[11/03, 09:44] Rajesh Emani: One more illustration I made 👆🏼👆🏼

US Equity market fall untill 9 Mar 2020… from 12 Feb peak

That's how most statements are made by people who do not understand on, _*Why they have invested?*_

Euphoria at the top

Fear on the way to bottom

In under 20 trading sessions, 19.26% of the Index is wiped out

That's how bad it can go in investing

Btw...I suppose in 1987, Dow Jones fell by over 22% in one single day, but, the irony is..... _It ended positively for that year_ 🙂

If one can't live with these downward slopes, then, pls don't even think of investing.

Now, not even banks 🙄🤔😀....on the lighter note.

The illustration hold true for the Indian Equity market as well....just a change in numbers

_*Equities fall & My future Roadmap*_

I keep referring every now & then to one of my SIP portfolio (random purchases made into MFs, but every month) which has been actively running since Jan 2016 (about 4 yrs &  2 months).....

Let me share the CAGR movement of the same....

Dec 2017.....22.8% 🤓 (2 years)

Dec 2019....3.5% 🙄 (4 years)

Mid Feb 2020....9.8% 😀

9 Mar 2020....0.9% 😌 (4 yrs & 2 months)

*How do I go ahead now?*

 _Stop investing & sell all my holdings_

_Stop investing,, but hold onto what I've already invested_ 

_Continue to Invest slowly & steadily, since I probably don't need this money anytime soon_

_Start to buy aggressively, as the markets keep going down everyday_

_*What's my roadmap?*_ 🙂

_*Staying put, Staying short & Returns*_

I've tried to create this illustration for our understanding on how things shape up eventually in the Indian equity markets....

The graphs represent from.... 5 days fall to 23 yrs of the BSE Sensex movement

_*Why and for How long have we invested?*_

If this answer is etched in our minds..... _THIS PHASE SHALL PASS TOO_

The main equity index is about 14.65% down from its recent peak....fyi

If one has had an investing experience in 2008-09 & continued to stay invested till now...... *You know the experience of staying put / buying during the downtrend*

The way markets are going.....we should see them at _*Zero*_ Index value in under 20 days 🤷🏼‍♂

_*Hot, Cold & Assets*_

A little dash of writing for the gloomy day .... 😀

Gold is hot today 🔥

Real Estate was hot, the other day 💥

Equities are hot & cold, every now & then 🔥🥶

Fixed Income has become Cold, to touch 🥶

Cash has become King, once again 🤴🏼

_*This cycle keeps repeating, again & again*_ 🤓

_*Investors keep hearing this music, again & again*_ 🎼

_*The Patient ones win, the Impatient ones lose*_ 🏆🎭

_*Complications, Money & Life*_

One of the strongest traits of the human race, is *the innate ability to Complicate our life & money, and of those who are around us* 🤔😟

We complicate Life...

We complicate Relationships...

We complicate Money Matters...

We complicate Careers...

We complicate Human Values...

We complicate Words...

We complicate Actions...

We complicate Investments...

We complicate Succession...

And then, *in pursuit of freedom & happiness*, we continue to complicate ourselves till the grave.

Life or Money... *best to cut losses, and move on*, though, easier said than done 🙄😟😀

_*Investors, Time line & Compounding*_

Tried to compartmentalise the 3 categories of investors via the above illustration 👆🏼

_The lost_....these investors never hold their investment beyond 3 / 5 / 10 yrs - they never compound wealth. Most investors fall into this category.

_The Survivors_....with great difficulty, this category of investors survive to hold their investments for a longer timeframe, thus, creating some kind of stability, elasticity & muscle into their portfolios. Some investors arrive at this stage.

_The Wealth Creators_...the very few / minority lot who hold their investments for the longest periods. They are extremely successful in creating _Intergenerational Wealth_ & never need to worry about their future.

What category do we fall into?