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Showing posts with label Financial Freedom. Show all posts
Showing posts with label Financial Freedom. Show all posts

Sunday, November 13, 2022

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.

eBook How to Grow your Savings?eBook - How to Grow your Savings? 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 ebook 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.

How to Grow your Savings?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 2012 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 State Bank of India fixed deposit account in 2001, he or she would have earned an 8 percent return per year. If the same person invested in State Bank of India stock, he or she would have a total return of 3,000 percent as the stock rose from 20 rupees to high of 620 rupees in 2022 which does not include dividend income over last 20 years which is much higher than the initial stock price.

Though Indians continue to be underinvested in the stock market there is more interest coming in from all corners. The number of active demat accounts in the country jumped by 63 percent to almost 9 crores in financial year 2021-22. On an average, 26 lakh 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 40 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 1,000+ 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 42 years? Probably not, it’s already an IT giant.

You need to explore companies in micro, 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 10 years back is a 9-Bagger stock for our Hidden Gems members. We recommended Buy on Mayur Uniquoter on 31 March 2012 at price of Rs. 56 (adjusted price after 2 bonus issues and stock split in last 10 years, actual recommended price was Rs. 448) and today it’s at Rs. 475 giving absolute returns of 750%. However, we missed to buy it early. You might be surprised to know that Mayur Uniquoter is a 160-Bagger stock for investors who invested in it 14 years back. Investment of Rs. 1 lakh in Mayur Uniquoters in Jan 2009 is valued at more than Rs. 1 Crores and 60 lakhs today. The 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 2,090 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  ebook "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
eBook How to Grow your Savings?Saral Gyan's 89 pages e-book How to Grow your Savings? was priced at Rs. 599. However, we decided to share our e-book for free with our readers to help them understand the power of saving and investing in equities to achieve financial freedom in long run. To receive our e-book, simply click on below link and fill out the form to receive our e-book directly in your inbox.



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

Wish you happy & safe Investing. 

Regards, 
Team - Saral Gyan

Saturday, August 11, 2012

How to Achieve Financial Independence?

Dear Readers,


Let us share the spirit of Independence Day coming next week keeping an objective to achieve Financial Independence. 

Achieving financial independence is more about changing our mentality than it is about accumulating money. It is about creating your own paycheck, not just living paycheck to paycheck. It is about overcoming fear and circumstance as much as it is about saving and building a retirement account.

The first and most important thing you all need to recognize and believe is that achieving financial independence is absolutely possible. Why then, is it so often not achieved by the vast majority of people? It has very little to do with talent, circumstance, geographic location, career choice, or family inheritance; actually, it has everything to do with desire, belief, hard work, sacrifice and persistence.

There is a good saying that "Until you take responsibility for your own actions and decisions, you cannot succeed. It’s just one of the laws of life."

So what does this mean to you as an investor?

Four Simple Steps to Financial Independence

In short here are four simple steps to achieving financial independence: 
  • It’s up to you to maximize your income and minimize your outgo.
  • It’s up to you to live within your means, use credit wisely (or not at all) and save as much as you reasonably can.
  • It’s up to you to outline your financial future and follow a workable plan to achieve long-term financial independence.
  • It’s up to you to invest your money wisely, keep a sharp eye on taxes and expenses, or make certain that you delegate this responsibility wisely.
Start saving more and inculcate habit of investing your hard earned money into various asset class like land, real estate, gold and stocks to continuously earn passive income.

Saral Gyan offers Hidden Gems - Sound and unbiased research reports of micro & small cap companies with high probability to provide exponential returns on investment in medium to long term period

Also Read: 4 Hidden Gems which Doubled Investors Money in 1 Year

Avail special discount, subscribe to Hidden Gems and save Rs. 2500. Annual subscription price Rs. 7500 5000. Hurry! Offer valid till 15th Aug 2012 only.

Click here to know more about our payment options and facilities. You can save more by choosing our combo packs, to know about our combo services, click here.

In case of any queries, do not hesitate to us at contact us.

Equity Desk - Saral Gyan.

Saturday, August 4, 2012

7 Important Steps to Financial Freedom

 A Get Rich Slowly but Surely Plan in 7 Steps

It's true that money can't buy happiness, but it certainly can help you live the life of your dreams!

You don't need fancy investment strategies to become financially secure, and you don't need to win the lottery either!

Here are seven simple steps you can take to help you reach your financial goal:

1. Make a Budget

Budgets are a necessary evil. They're the only practical way to get a grip on your spending so that you can make sure your money is used the way you want it.

Creating a budget generally requires three steps:

A. Identify how your money is spent today.

B. Evaluate that spending and set goals that take account of your financial objectives.

C. Track your ongoing spending to make sure it stays within those guidelines.

2. Pay Yourself

Save 5-10% of your paycheck to a separate account before you have a chance to spend it and you will soon realize a great wealth! Best of all this will grow your "nest-egg" without changing your lifestyle!

3. Get the Most for Your Money

Place the same amount of money each and every month into an investment, thus helping your fortune grow steadily over time.

4. Make Your Assets Work

Convert savings accounts into higher-paying money market accounts. Sell unneeded items and invest the proceeds. Invest in stocks rather than bonds and guaranteed income funds.

5. Know about Compound Interest

The secret of compound interest is time! Compounding simply works better over time. Start investing regularly in stocks keeping a long term of 5 to 20 years.

6. Pay Lower Taxes

The only two things certain in this life are death and taxes. Though we all must pay taxes, there is no patriotic reason to pay any more than our fair share. Be smartm check this possibility with a good accountant and do some research.

7. Build Your Plan

Build a financial time targeted investment plan and stick to it! Like most people, you know that you have to save and invest your money, but, without clearly defined goals and objectives, it's hard to know how fast to save, whether the return on your investment is high enough, and if the investment is safe enough to rely on to be there when you need it.

Knowing and understanding the desired outcome of your investment will help keep you motivated and focused.

Knowing and understanding your personal investment goals will help you determine what to seek from your investments.

Finally, before investing, ask yourself: Why do I need my money to grow & when do I want to use it?

Sunday, November 13, 2011

A Get Rich Slowly but Surely Plan in Seven Steps

 A Get Rich Slowly but Surely Plan in Seven Steps

It's true that money can't buy happiness, but it certainly can help you live the life of your dreams!

You don't need fancy investment strategies to become financially secure, and you don't need to win the lottery either!

Here are seven simple steps you can take to help you reach your financial goal:

1. Make a Budget

Budgets are a necessary evil. They're the only practical way to get a grip on your spending so that you can make sure your money is used the way you want it.

Creating a budget generally requires three steps:

A. Identify how your money is spent today.

B. Evaluate that spending and set goals that take account of your financial objectives.

C. Track your ongoing spending to make sure it stays within those guidelines.

2. Pay Yourself

Save 5-10% of your paycheck to a separate account before you have a chance to spend it and you will soon realize a great wealth! Best of all this will grow your "nest-egg" without changing your lifestyle!

3. Get the Most for Your Money

Place the same amount of money each and every month into an investment, thus helping your fortune grow steadily over time.

4. Make Your Assets Work

Convert savings accounts into higher-paying money market accounts. Sell unneeded items and invest the proceeds. Invest in stocks rather than bonds and guaranteed income funds.

5. Know about Compound Interest

The secret of compound interest is time! Compounding simply works better over time. Start investing regularly in stocks keeping a long term of 5 to 20 years.

6. Pay Lower Taxes

The only two things certain in this life are death and taxes. Though we all must pay taxes, there is no patriotic reason to pay any more than our fair share. Be smartm check this possibility with a good accountant and do some research.

7. Build Your Plan

Build a financial time targeted investment plan and stick to it! Like most people, you know that you have to save and invest your money, but, without clearly defined goals and objectives, it's hard to know how fast to save, whether the return on your investment is high enough, and if the investment is safe enough to rely on to be there when you need it.

Knowing and understanding the desired outcome of your investment will help keep you motivated and focused.

Knowing and understanding your personal investment goals will help you determine what to seek from your investments.

Finally, before investing, ask yourself: Why do I need my money to grow & when do I want to use it?

Monday, August 15, 2011

4 Simple Steps to Achieve Financial Independence

Dear Reader,

We Wish you Happy Independence Day!

Let us share the spirit of 15th August keeping an objective to achieve Financial Independence. 

Achieving financial independence is more about changing our mentality than it is about accumulating money. It is about creating your own paycheck, not just living paycheck to paycheck. It is about overcoming fear and circumstance as much as it is about saving and building a retirement account.

The first and most important thing you all need to recognize and believe is that achieving financial independence is absolutely possible. Why then, is it so often not achieved by the vast majority of people? It has very little to do with talent, circumstance, geographic location, career choice, or family inheritance; actually, it has everything to do with desire, belief, hard work, sacrifice and persistence.

There is a good saying that "Until you take responsibility for your own actions and decisions, you cannot succeed. It’s just one of the laws of life."

So what does this mean to you as an investor?

Four Simple Steps to Achieve Financial Independence

In short here are four simple steps to achieving financial independence: 
  • It’s up to you to maximize your income and minimize your outgo.
  • It’s up to you to live within your means, use credit wisely (or not at all) and save as much as you reasonably can.
  • It’s up to you to outline your financial future and follow a workable plan to achieve long-term financial independence.
  • It’s up to you to invest your money wisely, keep a sharp eye on taxes and expenses, or make certain that you delegate this responsibility wisely.
Start saving more and inculcate habit of investing your hard earned money into various asset class like land, real estate, gold and stocks to continuously earn passive income.

Equity Desk - Saral Gyan.

(Saral Gyan offers Hidden Gems - Sound and unbiased research reports of micro & small cap companies with high probability to give exponential returns on investment in medium to long term period)

Wednesday, September 8, 2010

The Seven Steps to Financial Freedom

 A Get Rich Slowly but Surely Plan in Seven Steps

It's true that money can't buy happiness, but it certainly can help you live the life of your dreams!

You don't need fancy investment strategies to become financially secure, and you don't need to win the lottery either!

Here are seven simple steps you can take to help you reach your financial goal:

1. Make a Budget

Budgets are a necessary evil. They're the only practical way to get a grip on your spending so that you can make sure your money is used the way you want it.

Creating a budget generally requires three steps:

A. Identify how your money is spent today.

B. Evaluate that spending and set goals that take account of your financial objectives.

C. Track your ongoing spending to make sure it stays within those guidelines.

2. Pay Yourself

Save 5-10% of your paycheck to a separate account before you have a chance to spend it and you will soon realize a great wealth! Best of all this will grow your "nest-egg" without changing your lifestyle!

3. Get the Most for Your Money

Place the same amount of money each and every month into an investment, thus helping your fortune grow steadily over time.

4. Make Your Assets Work

Convert savings accounts into higher-paying money market accounts. Sell unneeded items and invest the proceeds. Invest in stocks rather than bonds and guaranteed income funds.

5. Know about Compound Interest

The secret of compound interest is time! Compounding simply works better over time. Start investing regularly in stocks keeping a long term of 5 to 20 years.

6. Pay Lower Taxes

The only two things certain in this life are death and taxes. Though we all must pay taxes, there is no patriotic reason to pay any more than our fair share. Be smartm check this possibility with a good accountant and do some research.

7. Build Your Plan

Build a financial time targeted investment plan and stick to it! Like most people, you know that you have to save and invest your money, but, without clearly defined goals and objectives, it's hard to know how fast to save, whether the return on your investment is high enough, and if the investment is safe enough to rely on to be there when you need it.

Knowing and understanding the desired outcome of your investment will help keep you motivated and focused.

Knowing and understanding your personal investment goals will help you determine what to seek from your investments.

Finally, before investing, ask yourself: Why do I need my money to grow & when do I want to use it?

Tuesday, August 24, 2010

Financial Freedom

"Knowing is not enough; we must apply. Willing is not enough; we must do" - Johann Wolfgang von Goethe (1749 - 1832)

Somehow, too many people have come to believe that successful investing is easy and painless. The truth is, it's neither.

If you're unwilling to keep going in the face of repeated setbacks and frustrations, you'll never make it! If you want to be in the game only when it's easy, only when it's fun and only when you are winning, and if you aren't willing to endure some pain, you\re not likely to be able to reach the final triumph.

In the end, the final score is what really matters to investors.

At the end of a lifetime of investing, or when you are ready to kick back and retire, what matters is how much you have in assets. You either have what you need, or you don't.

By arriving at the end of our long way journey to the financial self-reliance, we wish you success and financial security.

By now you should know how to make your own decisions or know what questions to ask, where to go look for information and how to interpret the information and get the wheat out of the chaff!

Let us conclude our efforts and consider the following:

Many people think that money creates greed and does not buy happiness. A little greed is good, we just have to keep it all in context and think about it as a desire for freedom! The key is to appreciate what you already have and what you are trying to accomplish.

Money does not buy friends. Face it, people will become envious of you. Supposed friends will not understand your new way of life and be jealous. These people were not friends to begin with. They are critics that are not willing to work hard and sacrifice.

A whole world is out there, don't be held back with the losers. Get out and meet new people that are winners with the same ideals and goals.

Life in itself is a wonderful thing. Take the time to smell the roses. Set realistic goals and attain them through knowledge and new ways of thinking. 

Search out the level of financial wealth that will make you comfortable and happy.

Sunday, August 15, 2010

15th August 2010 - Achieving Financial Independence

Dear Readers,

Happy Independence Day!

Let us share the spirit of 15th August keeping an objective to achieve Financial Independence. 

Achieving financial independence is more about changing our mentality than it is about accumulating money. It is about creating your own paycheck, not just living paycheck to paycheck. It is about overcoming fear and circumstance as much as it is about saving and building a retirement account.

The first and most important thing you all need to recognize and believe is that achieving financial independence is absolutely possible. Why then, is it so often not achieved by the vast majority of people? It has very little to do with talent, circumstance, geographic location, career choice, or family inheritance; actually, it has everything to do with desire, belief, hard work, sacrifice and persistence.

There is a good saying that "Until you take responsibility for your own actions and decisions, you cannot succeed. It’s just one of the laws of life."

So what does this mean to you as an investor?

Four Simple Steps to Financial Independence
 
In short here are four simple steps to achieving financial independence: 
  • It’s up to you to maximize your income and minimize your outgo.
  • It’s up to you to live within your means, use credit wisely (or not at all) and save as much as you reasonably can.
  • It’s up to you to outline your financial future and follow a workable plan to achieve long-term financial independence.
  • It’s up to you to invest your money wisely, keep a sharp eye on taxes and expenses, or make certain that you delegate this responsibility wisely.
Start saving more and inculcate habit of investing your hard earned money into various asset class like land, real estate, gold and stocks to continuously earn passive income.
 
Equity Desk - Saral Gyan.
 
(Saral Gyan offers Hidden Gems - Sound and unbiased research reports of micro & small cap companies with high probability to provide exponential returns on investment in medium to long term period)