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Monday, January 19, 2015

Releasing Soon: Wealth-Builder Portfolio Update - Jan'15

Dear Reader,

In a pleasant surprise, Governor Raghuram Rajan-led Reserve Bank of India (RBI) cut its policy rate by 0.25 per cent on 15th Jan’15. This is the first reduction in 20 months and Governor Rajan promised more, paving way for cheaper home and auto loans as also lower cost of funds for corporate borrowers. 

Reduction in the rates is a positive development as it will lead to more money in the hand of the consumers and greater spending. Hence a good move by RBI for the Indian economy.

We continue to remain invested in good companies with strong fundamentals and already started shifting our focus from IT and pharmaceuticals to cyclic and domestic consumption companies which are expected to perform comparatively well in near future. We believe that rally may continue with small corrections in stock market and these correction must be considered as a buying opportunity. We expect cyclical stocks will outperform in 2015 considering ease in interest rates and higher spending.

If we look at last year, 2014 was a good year for equity investors who invested in high quality companies reporting 20-30% + annualized growth. This helped companies to got their due share of re-rating and delivered exceptional returns to the shareholders. In case you have not yet started building a portfolio of high quality and high growth stocks for long term wealth creation, please find below the Wealth-Builder portfolio allocation for your reference.

We believe, investing in Wealth-Builder portfolio with regular portfolio review from our end can help you achieve market beating and very good returns over a longer term and help you take care of yourself and your family needs, which ultimately lead to a healthy and wealthy life after retirement. 

Since inception, our Wealth-Builder portfolio has outperformed Nifty and Sensex by wide margin. Since 1st Jan 2013, Nifty has given returns of 43.1%, Sensex returns is 43.6% where as our Wealth-Builder portfolio has given returns of 204.8% returns to our members.

We are glad to inform our readers that 9 stocks out of 14 in our Wealth-Builder portfolio have made new all time high in Jan'15 leaving highs of Sensex and Nifty behind. It also indicates that we are holding high quality small and mid caps with strong fundamentals and any correction in stock prices of these companies is considered as buying opportunities by investors. In terms of performance, 8 top performer stocks out of 14 have given returns in the range of 100% to 525% since 1st Jan'13. We continue to hold these stocks as we believe these companies are registering good growth every quarter and doing all the right things to continue delivering robust top line and bottom line with strong operating margins. 

There were few laggards also which have not performed up to our expectations and we exited these stocks and allocated the available funds to other good investment opportunities to ensure that Wealth-Builder portfolio continue to outperforms major indices by wide margin. 

IMP Note: Wealth-Builder portfolio update - Jan'15 will be released during this week (on or before 21st Jan) and we will share the same with our Wealth-Builder subscribers. As on date, we have total 14 stocks in our Wealth-Builder portfolio.

Wealth-Builder is our offline portfolio management service. Using Wealth-Builder, you can manage your portfolio like a professional.

1. You Plant – You will manage your money at your own. Using your own Dmat account, you will purchase and sell shares at right point of time.

2. We Nurture – We will guide you with detailed report suggesting which stock to buy, at what price to buy and of course how much to buy, when to sell and how much to sell. Based on our recommendations, you will create and modify your portfolio to maximize your returns on your investments over a period of time.

3. You Harvest – It’s a fact that equities can give you maximum returns compared to any other asset class if invested with a long term horizon (5 years and above). Investing in fundamentally strong small and mid cap companies ensures that you keep harvesting your money in form of regular and higher dividends year after year along with capital appreciation.

Below are the unique advantage and benefits of Wealth-Builder over conventional PMS and Mutual Fund:

1. You manage your money at your own without giving it to mutual fund or PMS with benefit of any time access to your portfolio.

2. You will not be charged any asset management fee, exit / entry load, administration charges. Only one time nominal annual subscription cost will be charged.

3. Wealth Builder ensures capital protection; your portfolio will not be over churned to earn higher brokerage like many brokerage houses.

4. Exposure to our well researched stocks - Hidden Gems and Value Picks.

5. Limited transactions – once or twice in a month, you can manage your portfolio giving only 30 – 60 minutes in a month without affecting your busy schedule.

Wealth-Builder ensures giving better returns compared to major indices like Sensex or Nifty.

Wealth-Builder subscribers need to replicate our recommended portfolio in exact proportion. For ex: If we recommend to invest Rs 50,000 in “x” company with portfolio allocation of 5% in Rs. 10 lakh portfolio, subscriber starting his portfolio with Rs. 2 lakh need to invest Rs. 10,000 in “x” company with similar portfolio allocation i.e. 5%.

Start managing your equity portfolio like a professional, subscribe to Wealth-Builder by paying nominal annual fee of  Rs. 15,000 for entire year. To subscribe to our Wealth-Builder services, click here. To know more about our services and discounts available on our combo packs, click here.

In case of any queries related to Wealth-Builder, do write to us at

Team - Saral Gyan.