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Monday, October 14, 2019

Grab eBook - How to Grow your Savings? for Free!

A complete guide to help you ensure, you get the best returns on your investments from equities.

This e-book will provide you important & relevant information supported by facts & figures to help you grow your savings by investing in stocks to succeed:

Key Mantra’s:

1. Adopt discipline approach for Savings
2. Find out the ways to get passive income
3. Set your financial goals & start Investing
4. Do invest in equities for long term

Getting the most out of this book is simple, “How to Grow your Savings?” requires practical approach. Execute your learning experience in your day to day life by managing your finances effectively and achieve your long term goals.

Traditionally, Indians are Savers. The savings rate is as high as 30 percent. If not a direct savings in the bank, the money goes into a fixed deposit, gold or real estate. That trend might change soon if more people invest in stocks, which have outperformed every other asset class from 2001 to 2007 and later from 2013 to 2017.

Stocks have outperformed other asset classes by as much as 60 percent, yet only 3 percent of Indian population directly invests in stocks.

The main reasons for this is a lack of knowledge, awareness as well as unethical practices by a small minority of participants who encourage regular churning based on tips and rumours without giving proper financial planning to investors.

If someone invested in a Bank of India fixed deposit account in 2001, he or she would have an 8 percent return per year. If the same person invested in Bank of India stock he or she would have a total return of 4,800 percent as the stock rose from 12 rupees to all time high of 588 rupees in 2010.

Though Indians continue to be underinvested in the stock market there is more interest coming in from all corners. More than 200,000 new demat accounts are opened every month. Recent transparency measures should also bring more people in. The stock market will no longer be treated as a gamble but will be put on par with real estate and gold.

The irony is that even though stock markets as a long term asset class have given the highest returns, short term trading in futures and options has also caused the maximum losses. The maximum numbers of bankruptcies were caused due to the stock market crash in 2008-2009 amongst high risk speculative traders.

Power of Investing in Equity Market

Now, Just Imagine...

How much can you make in 36 years by just investing Rs.10,000 initially in any of financial instruments?

Take a wild guess?

Let us look at the real example.

If you have subscribed for 100 shares of "X" company with a face value of Rs. 100 in 1980.

• In 1981 company declared 1:1 bonus = you have 200 shares
• In 1985 company declared 1:1 bonus = you have 400 shares
• In 1986 company split the share to Rs. 10 = you have 4,000 shares
• In 1987 company declared 1:1 bonus = you have 8,000 shares
• In 1989 company declared 1:1 bonus = you have 16,000 shares
• In 1992 company declared 1:1 bonus = you have 32,000 shares
• In 1995 company declared 1:1 bonus = you have 64,000 shares
• In 1997 company declared 1:2 bonus = you have 1,92,000 shares
• In 1999 company split the share to Rs. 2 = you have 9,60,000 shares
• In 2004 company declared 1:2 bonus = you have 28,80,000 shares
• In 2005 company declared 1:1 bonus = you have 57,60,000 shares
• In 2010 company declared 3:2 bonus = you have 96,00,000 shares
• In 2017 company declared 1:1 bonus = you have 1,92,00,000 shares
• In 2019 company declared 3:1 bonus = you have 2,56,00,000 shares

Today, you have whopping 25.6 million shares of the company.

Any guess about the company?

(Hint: It’s an Indian IT Company)

Any guess about the present valuation of Rs. 10,000 invested in 1980?

The company which has made fortune of millions is "WIPRO" with present valuation of ~613 crores (excluding dividend payments) for Rs. 10,000 invested in 1980.

Unbelievable, isn’t it? But it’s a Fact! Investing in companies with good fundamentals and proven track record can give far superior returns compared to any other asset class (real estate, precious metals, bonds etc) in a long run.

Will Wipro provide similar returns in next 39 years? Probably not, it’s already an IT giant.

You need to explore companies in small and mid cap space with good track record and stay invested to create wealth in a long term. 

Let's take another example of little known company - Mayur Uniquoters. 

Mayur Uniquoters which we recommended 7 years back is still a 4-Bagger stock for our Hidden Gems members. We recommended Buy on Mayur Uniquoter under Hidden Gems service on 31 March 2012 at price of Rs. 56 (adjusted price after 2 bonus issues and stock split in last 7 years, actual recommended price was Rs. 448) and today even after witnessing fall in stock price by more than 60% from its peak of Jan 2018 (from Rs. 570 to current price of Rs. 215), Mayur Uniquoter is giving absolute returns of 283%. In fact, we missed to buy it early. You might be surprised to know that Mayur Uniquoter is a 71-Bagger stock for investors who invested in it 10 years back. Investment of Rs. 1 lakh in Mayur Uniquoters in Jan 2009 is valued at more than Rs. 71 lacs today (was valued at Rs. 1.90 crore in Jan 2018). Mind boggling, isn't it? Company has posted strong growth YoY and rewarded share holders in big way, Mayur Uniquoters was trading at Rs. 3 (bonus issues and split adjusted price) with market cap of merely 13 crores in Jan 2009, today market cap of the company is 970 crores.

Mayur Uniquoters is still a great value stock considering its consistent performance and leadership position in artificial leather industry and robust demand for its products by esteemed clients from auto and footwear industry.

It is a garden out there and one need to simply provide sufficient time to grow his quality seeds to get the fruits. One has to know what he is doing and has to be cognizant about it. With a little research and patience stock market investments can yield maximum returns.

So, how will you grow your savings? What are you investing in?

Read complete e-book "How to Grow your Savings?", its not only a must read for beginners but also for experienced investors. "How to Grow your Savings" will definitely help you to get an edge over others by understanding the basic of investments and importance of equities in a long run to generate income and create wealth. 

Below are the chapters covered in "How to grow your Savings?"

PART I: VALUE OF MONEY 
  • Inflation
  • Past & Future Value of Money
PART II: INCOME, EXPENDITURES & SAVINGS 
  • Income Expenditure Ratio 
  • Passive Income 
  • Tips & Tricks to Save Money 
  • Saving Strategies
PART III: SAVING & INVESTING 
  • Difference between Saving & Investing
  • Understanding Your Assets
  • Investing in Different Asset class
  • Pay Off Your Debt or Invest
  • Power of Compounding 
  • Benefits of Long Term Investing
  • 10 Key Investing Mantra’s
PART IV: FINANCIAL PLANNING 
  • Financial Planning 
  • Managing your Finances 
  • Making your own Investment Plan 
  • Your Investment Profile & Risk Tolerance
PART V: BUILDING AN EQUITY PORTFOLIO 
  • Investing in Equities
  • Investing in Bull & Bear Market
  • Invest in Individual Stock or Mutual Fund
  • Creating a Stock Portfolio
  • Investment Portfolio Mistakes to Avoid
  • Importance of Stock Diversification
  • Investing for Growth, Yield & Income
  • Facts & Benefits of Investing in Small Companies
PART VI: EQUITIES & RISKS 
  • Investing Risks Vs Rewards
  • Understanding Stock Market Risks
  • Different Type of Investing Risks
  • Managing Investment Risks
  • The Bulls, The Bears & The Farm
PART VII: EQUITIES & THE TIME FACTOR 
  • Stock Investing & The Age Factor
  • Don’t Count on Stocks for Short Term Goals
  • Characteristics of Successful Investors
  • Don’t try to Time Bottom of Stock Market
  • Investing in Stocks for Regular Income & Long Term Growth
  • Investing Checklist – 10 Most Important Element
Saral Gyan's 88 pages e-book is priced at Rs. 599 ($ 11.99). However, you can grab it for free, simply subscribe to Hidden Gems, Value Picks or Wealth-Builder annual subscription service under ongoing Dussehra Diwali offer 2019 and get our eBook without any additional cost.

Subscribe to our services and start investing systematically, severe correction in broader markets over last 20 months is giving you once in a decade opportunity to invest in high quality small and mid caps at historically low valuations.

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

Wish you happy & safe Investing. 

Regards, 
Team - Saral Gyan


Saral Gyan Dussehra Diwali offer
Saral Gyan team celebrates this festive season by offering attractive discount upto 30% and valuable freebies under Dussehra - Diwali offer 2019 (valid till 31st Oct 2019).

DUSSEHRA - DIWALI OFFER 2019
1. HIDDEN GEMS
PRICE - INR 10,000 9,000
OFFER DISCOUNT - 10%
TOTAL REPORTS - 12 (ONE / MONTH)
SUBSCRIBE!
2. VALUE PICKS
PRICE - INR 6,000 5,400
OFFER DISCOUNT - 10%
TOTAL REPORTS - 12 (ONE / MONTH)
SUBSCRIBE!
3. 15% @ 90 DAYS
PRICE - INR 4,000
NO DISCOUNT
TOTAL REPORTS - 12 (ONE / MONTH)
SUBSCRIBE!
4. WEALTH-BUILDER
PRICE - INR 20,000 18,000
OFFER DISCOUNT - 10%
PORTFOLIO UPDATES - 12 TO 18 / YEAR 
SUBSCRIBE!
SUPER SAVER COMBO PACKS
COMBO - 1
HG + VP + WB + 15%
PRICE - INR 40,000 28,000
OFFER DISCOUNT - 30%
REPORTS - 48 (FOUR / MONTH)
SUBSCRIBE!
COMBO - 2
HG + VP + 15%
PRICE - INR 20,000 15,000
OFFER DISCOUNT - 25%
REPORTS - 36 (THREE / MONTH)
SUBSCRIBE!
COMBO - 3
HIDDEN GEMS + VALUE PICKS
PRICE - INR 16,000 13,000
OFFER DISCOUNT - 20%
REPORTS - 24 (TWO / MONTH) 
SUBSCRIBE!
COMBO - 4
HIDDEN GEMS + 15% @ 90 DAYS
PRICE - INR 14,000 11,500
OFFER DISCOUNT - 18%
REPORTS - 24 (TWO / MONTH)
SUBSCRIBE!
COMBO - 5
VALUE PICKS + 15% @ 90 DAYS
PRICE - INR 10,000 8,500
OFFER DISCOUNT - 15%
REPORTS - 24 (TWO / MONTH)
SUBSCRIBE!
SARAL GYAN VALUABLE FREEBIES
1. DIWALI MUHURAT PORTFOLIO
"Deepawali Muhurat Buy - One Lakh Rupee Portfolio" of 10 stocks will be a model portfolio with proper mix of large, mid and small cap stocks which you can hold for a period of 1 yearThis portfolio will consist of our previous Hidden Gems and Value Picks recommendations
Note: Eligible subscribers will receive Saral Gyan One Lakh Rupee Portfolio - 2019 before Deepawali Muhurat (expected release date - 27th Oct 2019) 
2. SARAL GYAN eBOOK
 
Many investors are absolutely fascinated about investing in stock market. But, in our opinion mere fascination is not enough. Investing wisely and with the right insights helps one to grow his savings. The purpose of this e-book is to provide all the necessary information so that one can acquire new skills and expand his/her knowledge, in order to accomplish profitable investments in the stock market.

3. EQUITY PORTFOLIO HEATLH CHECK-UP
We review existing portfolio of our members under Wealth-Builder and guide them which stocks to hold or add, which to reduce or sell with right allocation. Under Wealth-Builder service, you need to mail us your existing stock portfolio in an excel file and our equity analysts will examine your stocks based on fundamental analysis. A customised portfolio analysis report will be prepared and emailed to you with all the findings and a personalised action plan.
4. SPECIAL REPORT - 5-BAGGERS IN 5 YRS
Considering current situation in broader markets as a buying opportunity, we released our special report 5 Stocks - Potential 5 Baggers in 5 Years on 30th July 2019. The objective is to achieve average annualized returns of 38% each year to achieve 5-Bagger returns in period of next 5 years.  These 5 Stocks are small cap companies with a market capital of less than 500 crores. Our research team have included best of Hidden Gems / Value Picks stocks released in past having potential to multiply your investment by 5 times within 5 years.

Above mentioned discounts and freebies are applicable on Saral Gyan annual subscription services under Dussehra Diwali offer till 31st Oct 2019 and cannot be availed later.

Paid Subscription Payment Options:

1. Debit/Credit Card/Net Banking (For Indian & Abroad Subscribers): Subscribers can pay online, click on SUBSCRIBE! link for online transaction.
2. Cheque Deposit: Deposit Cheque in any branch or ATM of ICICI / HDFC / Axis Bank. Please mention on the cheque - Saral Gyan Capital Services - A/c no. ....
3. Online Net Banking: Add any of the bank (ICICI / HDFC / Axis Bank) ac no. and name as a payee for online transaction. Click Here for bank details & IFSC code.

Note: In case of payment through cheque / cash deposit, write to us at sales@saralgyan.in with cheque / online transaction details (Cheque/online transaction no., your name, address, place, date and amount details).