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Sunday, March 31, 2019

Wealth-Builder - CAGR of 22.7% Vs Sensex CAGR of 11.5%

Dear Reader,

We continue to remain invested in high quality small and mid cap companies with strong fundamentals and recently increased allocation in these companies considering significant fall in stock prices since Jan 2018. We believe severe correction in broader markets with significant fall in stock prices of small and mid caps in last 15 months is giving a wonderful opportunity to long term investors to build a diversified portfolio by investing in good companies backed by strong fundamentals at much lower prices. We expect cyclical stocks with strong fundamentals will outperform going forward considering reasonable valuations, stable crude oil prices and higher spending of middle class with rising disposable income.

Below are some of the major reasons of severe fall in stocks prices of small & mid cap stocks since beginning of 2018 till Feb 2019:


i) Rejig in Portfolio by Mutual Funds to meet guidelines defined by SEBI
ii) Introduction of Additional Surveillance Measures by SEBI to curb volatility
iii) Auditors exit from various companies on fear of stringent action from authorities
iv) Unfavourable macros with increasing crude oil prices and depreciating rupee
v) Trade war fears between US and China, rising interest rates, continuous selling by FIIs
vi) Panic in market due to liquidity concerns, IL&FS default on debt repayments
vii) Political uncertainty with setback of BJP in assembly elections in 3 key states
viii) Concerns in market due to severe sell off in large caps stocks like Zee, Tata Motors
ix) Panic arising due to stock prices of ADAG companies falling line nine pins
x) Nervousness on Dalal street with rise in geopolitical tensions post Pulwama attack

With fall in stock prices in broader market during last 15 months, small and mid caps valuations turned attractive to reasonable. In fact, many good companies are available at valuations which look very attractive considering the earning growth these companies are expected to deliver over next 2 years. This is not the time to sell but to accumulate good companies available at discounted valuations. Moreover, we can see renewed buying interest in small & mid caps in coming months considering strong flows from FIIs during this month. As mentioned earlier, bad sentiments do not last for ever, its time for long term investors (2-3 years) to start accumulating good quality stocks which after a long time are becoming available at attractive valuations.

High quality companies reporting 20-30% + annualized growth can deliver exceptional returns for the shareholders in long termIn case you have not yet started building a portfolio of high quality and high growth stocks for long term wealth creation, you can initiate your investments now. Below is the Wealth-Builder portfolio allocation and performance update 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 delivering CAGR of 22.7% where as Sensex and Nifty have delivered CAGR of 11.5% and 11.3% respectively during the same period. Since 1st Jan 2013, Nifty has given returns of 95.3%, Sensex returns is 97.5% where as our Wealth-Builder portfolio has given returns of 258.8% to our members.

We continue to hold high growth companies with robust fundamentals as we believe these companies are available at reasonable valuations, 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 as a continuous process to ensure that Wealth-Builder portfolio continue to outperforms major indices by wide margin. 

Note: Wealth-Builder portfolio update - March 2019 will be released on 31st March'19 (before end of the day) and we will share the same with our Wealth-Builder members.


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 (3 to 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%. On monthly basis, we review Wealth-Builder portfolio and update our members in terms of any changes in allocation or exit / entries in stocks based on fundamental analysis and recent developments in these companies.

Start managing your equity portfolio like a professional, subscribe to Wealth-Builder by paying nominal annual fee of Rs.20,000 18,000 for entire year availing 10% discount under ongoing Holi Dhamaka offer.

Click here to subscribe to Wealth-Builder online. Subscribe now and we will ensure that you receive our Wealth-Builder portfolio - March'19 update once it is released on 31st March 2019.

We are pleased to inform you that you can subscribe to our services at discounted prices under our ongoing Saral Gyan Holi Dhamaka Offer 2019We suggest our members to consider current market situation (post severe correction in small & mid caps over last 15 months) as a buying opportunity and invest in high quality small and mid cap stocks.

Attractive discounts & valuable freebies which make our offer special for our readers are as under:

1. Discount up to 30% on combo pack subscription (valid up to 31st March'19 only)
2. Portfolio of 10 Small & Mid Cap Stocks for FY 2019-20 - Read More
3. Existing Equity Portfolio Health Check Up (under Wealth-Builder subscription)
4. Special Report - 6 Hidden Gems Stocks to Buy / Accumulate (30th Sep'18) - Read More
5. Special Report - 6 Value Picks Stocks to Buy / Accumulate (02nd Oct'18) - Read More
6. Saral Gyan eBook - "How to Grow your Savings?" worth Rs. 599 for Free. - Read More

Below table indicates subscription services and discounted prices valid up to 31st March'19.
Saral Gyan Holi Dhamaka Offer 2019
SARAL GYAN
SUBSCRIPTION SERVICE
HOLI DHAMAKA OFFER 2019
DISCOUNTED PRICE
PAY ONLINE 
CARD / NET BANKING 
Hidden GemsRs. 10,000 9,000
Value PicksRs. 6,000 5,400
Wealth-BuilderRs. 20,000 18,000
Combo 1: HG + VP + WB + 15%Rs. 40,000 28,000
Combo 2: HG + VP + 15%Rs. 20,000 15,000
Combo 3: HG + VPRs. 16,000 13,000
Combo 4: HG + 15%Rs. 14,000 11,500
Combo 5: VP + 15%Rs. 10,000 8,500

Simply choose the subscription service / combo subscription you would like to opt and click on SUBSCRIBE! link in above table to make online payment using your debit / credit card or net banking facility. In case you are not comfortable in subscribing online, click here to know about our other payment options and bank details.

Hurry! Last 2 Days... Offer closes on 31st March'19 at 11.59 PM. Click here for details.

Do write to us in case of any queries, we will be delighted to assist you.

Wish you happy & safe Investing.

Regards,
Team - Saral Gyan