_*My Predictions for the future*_

_*No TIMELINES pls*_ 😂😂

_USD $ will go bust_

_Euro will go bust_

_Dependence on Oil will dramatically come down_

_We'll have a new Global Currency (don't ask me, which one? I Don't know)_

_Equities will still continue to be the best Asset Class to Invest_

_All crypto currencies will go bust (unless backed by Central Banks)_

_Gold will probably have its longest ever bull market & then collapse off into oblivion_

_Technology, as we see it today will completely vanish (sooner than later)_

_Full time employment will be history (sooner than later)_

_Education will not be via Schools, Colleges & Universities (physical buildings)_

_There will be more pandemics & we will still continue to be unprepared (everytime, a pandemic will appear in a different form)_

_We'll try to go back to seeking self-sufficiency @ micro geographic levels_

_Most people  will continue to be Financially Illiterate_

_Politics will continue to get dirtier (don't know what is left, though)_

And, I can continue to go on and on...

Blah

Blah

Blah

_*I CAN BE WRONG ON ALL THE ABOVE PREDICTIONS*_

_*Pain, Suffering & Behaviour Change*_

More Illustrations flowing through my mind 👆🏼🙂

_*Pain, Suffering & Behaviour Change*_

_For an impactful long term behaviour change, there has to come in a very large pain & suffering_

That's the simple concept.

_This is proven again & again with 'N' # of people; especially while managing their investments or life relationships_

The larger the damage with an experience, the larger is the change in behavior _*away from it*_

_*Consistency, Sustenance & Reality*_

👆🏼 illustration on....

_*Consistency, Sustenance & Reality*_

We work & convert _Time into Money_ for increasing or achieving Consistency in our Earnings / Income

We work & convert _Time into Money_ for increasing or achieving sustenance in Lifestyle

But, both these lines are _never ever linear_, in Reality.

_*There are always Ups & Downs in Earnings & Lifestyle*_

If Earnings & Lifestyle peak-off somewhere (which, they will) & we can sustain that with consistency....the _monetary aspect_ in our life is taken care of.

If our _Income / Earnings_ keep going up.... _*there is no issue*_

But, if our _Lifestyle_ keeps going up perpetually..... _*none can save*_

*INCOME can keep going up perpetually, if possible*

*LIFESTYLE has to stop going up somewhere, else it's a disaster just waiting to happen*

_*Stress Adjusted Income*_

One more Illustration 👆🏼

Quite Self Explanatory & I've discussed this concept with many of you during the course of our discussions.

_*Stress Adjusted Income*_

_We need to live by it_

A Matrix that I came up with...to check for oneself

_WHICH QUADRANT DO I FALL IN?_

_WHAT AM I GOING TO DO ABOUT IT?_

If I'm already in a *BLISSFUL STATE*, _HOW DO I STAY IN THAT QUADRANT?_

_*Choose the right Quadrant & try to stay put there*_ 🙂

Trust me..... _THIS IA NOT AN EASY THING TO ACHIEVE_

_*Rally in a Bear Market, Buy or Not*_

_From the recent bottom on 23 March 2020 (EOD close) till this moment.....Indian Equity Index - BSE Sensex rallied up 17.08%_

*Yes.... 17.08%*

Now, I don't know if this rally will continue to go up, go down or just stay volatile 🤷🏼‍♂

But, I'll try to keep buying within the bottom bucket range 🙂 (yesterday's illustration)

Is this the bottom bucket range? 🤔

_I Don't Know, today_

But

_I'll definitely know in the future_

NEVER EXHAUST LIQUIDITY

_for living_

Or

_for Investing_

_*If I Can, Hold & or Buy*_

One more new Illustration 👆🏼🙂

All one needs to do is...

_Continue to HOLD during the down phase_

& Or

_Keep the INVESTING accelerator on & not to brake_

The future is for sure, taken care of.

Do I need to get the *timing of my buy* right.....

*Not Essential*

As long as I can get the *bucket phase of buying*, right.... it's fine

What if there is NO Liquidity to Buy? (The worst scenario for anyone)

_Just continue to HOLD the portfolio_

_*Peak, Low & Holding Period*_

👆🏼 one more data point culled for all your consumption

This tells the importance of *staying invested & staying the course*

The best and the worse case scenarios presented from the peak of 2007 to the low and peak of 2020

Bottomline.....

_*HOLDING TENOR IS THE MOST IMPORTANT VARIABLE IF ONE'S INVESTEMENTS ARE REASONABLY DIVERSIFIED*_

_The longer one holds, the farther it is away from disaster_

_*Asset Classes, Purpose & Liquidity*_

One more illustration I came up with ...

_If we can't understand this Pie, none can help us_

_*GDP, Sensex & Co - relation*_

One more illustration from my previous data points 👆🏼

Pls check the illustration in a landscape mode...

Calendar year data...

_There is NO established co-relation between the Equity Indices performance (short run) and the GDP figures_

The Green lines represent when GDP and BSE Sensex ended up in the _*same direction*_ (up or down)

The Red lines represent when GDP and BSE Sensex ended up in the _*opposite directions*_(up & down)

I've taken an equal # of such instances just to cull out any anomaly.

The degree of variation between GDP growth and Sensex performance also can be seen

There is just *NO TREND* that can be derived

The lines in both the graphs *DO NOT* move in a similar trend 🤷🏼‍♂

_*Earning, Saving & Investing and Spending*_

One more illustration, i tried today 😀....

A large degree of one's personal financial life depends on these 3 critical variables

_If managed well, it's a financial bliss_

_If not, not only financial but even life is at stake_

Today's _EARNING_ leads to 2 options of ...... _Spend_ and or,  _Save & Invest_

But, tomorrow's _SPEND_ comes only from today's savings & investments. 

_Earnings are going to stop one day; atleast the active earnings (for majority)_

But, _Spending_ is never ever going to end.

Bottomline

_Maximize today's Earnings_

_Optimize tomorrow's Savings & Investments_

_Minimize today's & tomorrow's Spending_