Wealth of Wisdom - WOW

WEALTH OF WISDOM - WOW: BHAGWAN DATTATREYA’S 19TH GURU: MAIDEN (KUMARI) A young maiden was once preparing food at home, wearing many bangles. As she worked, the bangles kept clashing and making noise. She removed them one by one. Finally, only one bangle remained on each hand. Silence. She could now work peacefully and concentrate. THE MAIDEN TEACHES US: Sometimes, less noise creates more clarity. WEALTH LESSON: As investors, we often surround ourselves with too many voices. One WhatsApp message says BUY. A YouTube video says SELL. A friend recommends another fund. Social media brings another “multibagger.” Every voice adds another bangle. Soon, the noise becomes louder than our financial plan. Information is useful. Too much information becomes distraction. Know your goal. Have a plan. Choose carefully. Follow reliable sources. Review when needed. You don't always need more opinions.You need fewer voices and greater clarity. Bhagwan Dattatreya teaches us: **Too many voices create noise. Simplicity creates space to think.** #DontRetireRich Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor *Disclaimer: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.*

**MARKET FALLS ARE NOT YOUR ENEMY. YOUR REACTION TO THEM IS.** You’ve heard Keynes say: *“Markets can remain irrational longer than you can remain solvent.”* But remember he was talking about speculators taking excessive risks, not a salaried investor running a ₹15,000 SIP every month. Look at 2022. War. Inflation. Rising interest rates. Nifty fell below 19x P/E. Many investors panicked and stopped their SIPs. Then the market recovered. 2½ months later: Nifty was up ~16%. 27 months later: up ~72%. Think of a ₹2,500 shirt suddenly available for ₹1,800. Do you say, *“The shirt has become bad”*? No. You check the quality and, if you still like it, you buy more. Markets work the same way. A correction doesn't automatically mean businesses have become bad. Sometimes, the price has simply become more reasonable. So when markets fall: **Keep the SIP. Invest surplus money gradually. Stop watching the screen every 10 minutes.** You don't need to catch the bottom. You need to stay invested long enough for compounding to catch up with you. #DontRetireRich Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Disclaimer: Investments are subject to market risks. Please read all scheme related documents carefully before investing.

Photo from Srikanth Matrubai

Only support we have now

Two years ago, on 26 September 2024, NIFTY 50 was around 26,216. Today, it is around 23,141 .... nearly 12% lower. But here is the interesting part. Earnings have grown nearly 10% ₹1,077 → ₹1,183 At the same time, valuation has come down: P/E: 24.34x → 19.56x P/B: 3.87x → 2.80x In simple terms:      **The market price is lower. The earnings are higher. The valuation investors are paying for those earnings is lower.** Something you bought for ₹1,000 is now available for ₹900.   But during those two years, its earning capacity has improved.    Would you look only at the ₹100 fall? Or would you ask: “What am I getting for ₹900 today?” This is what investors often miss during corrections. A falling price does not automatically mean falling value. Sometimes, price falls faster than the underlying earnings.    So don't stop a good SIP because the index looks uncomfortable.   Don't change your asset allocation because the headlines are frightening.      And don't wait for the market to become “safe” before investing. **Markets will change their mood. Your financial plan shouldn't.** — Srikanth Matrubai ARN-51423 | AMFI Registered Mutual Fund Distributor #DontRetireRich *Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.*

Health and life insurance premiums are going to increase.

A small thought before we enter the next phase of the market. When fear is high, we start treating today’s uncertainty as tomorrow’s reality. Here are 5 things I am keeping in mind right now as reminders to keep our behaviour rational. 5 THINGS I AM KEEPING IN MIND 1. Don’t assume the rupee will depreciate 5% every year. Yes, the rupee has depreciated over long periods. But currency movement is not a fixed 5% annual expense. If your entire investment decision is based on assuming 5% depreciation every year, recheck the assumption. 2. Fear is already at a peak. Doubts are everywhere. Even good news is being ignored. Remember 2024? Bad news was being ignored in the bull market. Today, good news is getting ignored in fear. 3. When sentiment turns, the speed can surprise you. Markets don't always give you a comfortable entry after the mood changes. Many will wait for “confirmation” — and then realise the market has already moved. 4. Better to be early than regret being late. If you own good stocks and good funds, short-term noise matters less than staying invested through the cycle. 5. Don’t confuse uncertainty with danger. Uncertainty is always part of investing. The bigger mistake is waiting for everything to become certain before investing. **Markets don't ring a bell at the bottom. They change direction while most people are still finding reasons to stay away.** — Srikanth Matrubai ARN-51423 | AMFI Registered Mutual Fund Distributor #DontRetireRich

75.6% of IndusInd Bank's FY26 profit came from INSURANCE commissions. Bandhan: 30.8%. DCB: 21%. Yes Bank: 19.3%. HDFC: 7.3%. Your bank RM may not really be a banker. He may be an insurance salesman wearing the hat of a Bank RM.

**COPPER IS AT A RECORD HIGH. BUT THE WORLD IS NOT SHORT OF COPPER.** Sounds strange? The world actually had a 131,000-tonne refined copper surplus in H1 2026. So why is copper expensive? Because the copper is in the wrong place. America has been pulling copper into its warehouses ahead of possible tariffs. Nearly 69% of global exchange copper stocks are now sitting in Comex warehouses, while LME stocks have fallen sharply. Now comes the India impact. India imports a significant amount of copper. So when the LME price rises, Indian buyers feel it too. For a cable or wire company, copper is a major raw material. Higher copper prices = higher input costs. If the company cannot pass the increase to customers, margins get squeezed. For consumers, it can eventually mean higher costs for wires, cables, electrical equipment, construction and other copper-intensive products. So this is not simply a “copper demand is booming” story. **Sometimes prices rise not because the world has less of something… but because the available supply is sitting somewhere else.** And India still has to pay the global price. Srikanth Matrubai ARN-51423 AMFI Registered Mutual fund Distributor Mutual Funds are subject to Market Risks. Read all documents carefully before investing

https://t.me/joinchat/AAAAAFbeUyBHCnr4YRgmOg News, tips, guide on INSURANCE from Experts across India

https://link.amazon/B0hIwjtpM The Art of Spending Money – Deluxe Edition: Simple Choices for a Richer Life ₹470.00

https://lnkd.in/p/gS9JVQSi Taking a Home Loan? Confused between Fixed Rate and Floating Rate? REad this to get clarity on WHICH RATE to choose for your home loan

WEALTH OF WISDOM - WOW: BHAGWAN DATTATREYA’S 18TH GURU: CHILD (BĀLA) A child plays without worrying about yesterday or tomorrow. A child laughs when happy. Cries when sad. Plays when it wants to play. No fear of what others think. No endless analysis of what might happen next. The child is fully present in the moment. THE CHILD TEACHES US: INNOCENCE AND LIVING IN THE PRESENT BRING FREEDOM FROM UNNECESSARY WORRY. WEALTH LESSON: As investors, we often do the opposite. We keep asking: “What if the market falls?” “What if I choose the wrong fund?” “What if I invest now and the market corrects?” “What if another fund performs better?” Analysis is important. But too much analysis can become analysis paralysis. We keep waiting for the perfect time. We keep comparing. We keep changing our decisions. And sometimes, in trying to avoid every possible mistake, we end up taking no meaningful action at all. You don't need to predict everything. You need a plan you can stay with. Know your goal. Choose an appropriate asset allocation. Stay informed. Review when required. But don't allow endless “what ifs” to take away the experience of investing. Bhagwan Dattatreya teaches us: Simplify your thoughts. Stay present. Don't overthink every decision. Sometimes, peace comes from knowing when to stop calculating. #DontRetireRich Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Disclaimer: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.

https://lnkd.in/p/gS9JVQSi Taking a Home Loan? Confused between Fixed Rate and Floating Rate? REad this to get clarity on WHICH RATE to choose for your home loan

https://youtu.be/NrmBp8U72Mw What are Life cycle funds..? What if your investment fund knew when to accelerate… and when to slow down? What if it could change your investment strategy automatically as you get closer to your goal? Do watch the newly released video

WEALTH OF WISDOM - WOW: BHAGWAN DATTATREYA’S 17TH GURU: HAWK (KURARA) A hawk once caught a piece of meat and flew away. The moment it did, crows began chasing it. The hawk kept holding on. The crows kept attacking. Finally, it dropped the meat. The crows lost interest and flew away. The hawk was free again. THE HAWK TEACHES US: SOMETIMES, PEACE BEGINS WHEN WE LET GO. WEALTH LESSON: As investors, we too become attached to our investments. A stock bought at ₹500 falls to ₹300. “We will sell when it comes back to ₹500.” A fund keeps underperforming. “Let us wait a little longer.” Sometimes, we protect the investment instead of protecting the financial goal. This is where loss aversion and over-attachment influence our decisions. A disciplined investor asks: “If I did not own this investment today, would I still choose to own it?” The purchase price should not decide the future. Letting go is making room for a better financial decision. Bhagwan Dattatreya teaches us: **Do not let your possessions become your burden. Let go when attachment hurts your freedom.** #DontRetireRich Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Disclaimer: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing

WEALTH OF WISDOM - WOW: BHAGWAN DATTATREYA’S 16TH GURU: PINGALA Pingala was a courtesan who dressed beautifully and waited through the night, hoping a wealthy customer would arrive. But nobody came. As the night passed, disappointment turned into exhaustion. Then something changed. She realised that her suffering was because she was expecting someone to come. The moment she gave up those expectations, she experienced a deep sense of peace. PINGALA TEACHES US: SOMETIMES, PEACE BEGINS WHEN WE STOP EXPECTING WHAT IS NOT IN OUR CONTROL. WEALTH LESSON: As investors, we too carry expectations. “I want 20% returns this year.” “This fund should outperform.” “This stock should double.” “The market should recover soon.” And when reality does not match our expectations, anxiety begins. We start checking portfolios every day. We compare our returns with someone else's. We switch investments. We chase the next opportunity. The problem is not having financial goals. The problem begins when expectations become more important than the plan. A disciplined investor understands: Markets do not know our return expectations. Markets do not move according to our timelines. Our job is to control our asset allocation, behaviour, expectations and decisions. Bhagwan Dattatreya teaches us: **Let go of what you cannot control. Stay committed to what you can. Peace is also a part of wealth.** #DontRetireRich Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Disclaimer: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.