Wealth of Wisdom - WOW

Inflation Is Silent. Year after year, money loses purchasing power. That is why wise investors own Gold. Look at what ₹1 lakh could buy: 🥇 2000 → 227g Gold 🥇 2010 → 54g Gold 🥇 2020 → 21g Gold 🥇 2024 → 13g Gold 🥇 2026 → 6g Gold The same ₹1 lakh that bought 227g of Gold in 2000 buys only 6g today. Today, those 227g are worth around ₹34 lakh. Gold may not deliver the highest returns, but it has historically helped preserve purchasing power as inflation reduces the value of money. Gold is not for getting rich. Gold is for protecting wealth. Srikanth Matrubai AMFI Registered Mutual Fund Distributor | ARN-51423 Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.

RBI puts its foot down: Banks can no longer push financial products you don't need If you have ever gone to your bank for a home loan and come back with an insurance policy you did not... To read the full story visit… https://app.indiatoday.link/d/L4RMOw2ZaA

Retirement is not about building a corpus. It is about converting it into income. Pension, interest, SWP, annuity and capital gains may all start flowing together. Each income source has different tax rules. Poor planning can quietly reduce your retirement income. The happiest retirees are not always the richest. They are the ones who plan their income and taxes well. #DontRetireRich Srikanth Matrubai ARN 51423 AMFI Registered Mutual Fund Distributor Mutual Funds are subject to market risk. Read all documents before investing

Elon musk. Wealth this big can last generations.

Had written this article on Silver https://srikavimoney.blogspot.com/2025/04/akshaya-tritiya-2025-why-you-should-bet.html?fbclid=IwdGRjcASdE3ZjbGNrBJ0TT2V4dG4DYWVtAjExAHNydGMGYXBwX2lkDDM1MDY4NTUzMTcyOAABHniOAFyIHQavdyxthMmTeXYz4v9_prcYf-ENtYYUegbQXNsRKk3j2JDHHLQI_aem_mpZXumAtx_TFydHhYTKTbw&m=1 Silver was ₹96,080 when the article was written 😊😊

*Why FII continuously selling from Bharat's 🇮🇳 Market ?* *FII selling due to higher Returns in American & other markets, Not due to LTCG / STCG* Following points to be Consider... In 2020 - 10 yrs US Treasury was offering 1.15% - Fed Rate was 0.25% - FII Use to Borrowing (cheap rate) from USA / Japan & investing in Emerging market like Bharat. Situation *Now(2026)* - 10 Yr US Treasury is 4.60% *(4 times)* - Fed Rate is 3.50% *(14 times)* - Borrowing from USA 🇺🇸 is too much costly - Therefore FII Naturally will invest in USA 🇺🇸 - Bharat 🇮🇳 is importing 81 % of Oil & Gas !!! - Oil was near 60$ Due to war Oil is 100$ - *Globally $ becomes Strong due to two reasons* 1. Higher Yields (Since 2025) 2. Higher demand of $ due to Higher Oil / Gas Price... *Reverse the Situation of Bharat 🇮🇳* - Due to Higher import cost (70 % higher cost) Higher outflows of $ - Due to war Exports get disturbed *resulting lesser forex receipt.* - Due to War Cost of import gone up - Due to above situations Bharat's growth is likely slow, 🔽, Inflation Rises ↗️ Resulting poor returns in Market🔽 - Due to such situations ₹. Depression heavily, it forced FII to sale... *~✍️ Hitesh R. Pujara*

Oil down 4%

"The Deal with Islamic Republic of Iran is now complete. Congratulations to all!" President Donald J. Trump 'Let the oil flow': Trump announces Iran peace deal and end to the Strait of Hormuz blockade https://www.moneycontrol.com/world/donald-trump-says-strait-of-hormuz-open-and-us-blockade-lifted-let-the-oil-flow-article-13949370.html Announces US-Iran peace deal with 'immediate' halt in fighting, including Lebanon

𝗦𝗲𝗻𝘀𝗲𝘅 𝘃𝘀 𝗚𝗼𝗹𝗱: 𝗜𝘀 𝘁𝗵𝗲 𝗡𝗲𝘅𝘁 𝗕𝗶𝗴 𝗖𝘆𝗰𝗹𝗲 𝗙𝗮𝘃𝗼𝘂𝗿𝗶𝗻𝗴 𝗘𝗾𝘂𝗶𝘁𝗶𝗲𝘀? 📊 🚨 Sensex vs Gold The Sensex/Gold Ratio has witnessed five major declines over the last three decades: 📉 Apr 1992 – Jul 1993 Gold outperformed Sensex by 60% 📉 Jan 2000 – May 2003 Gold outperformed Sensex by 59% 📉 Oct 2007 – Feb 2009 Gold outperformed Sensex by 66% 📉 Aug 2018 – Mar 2020 Gold outperformed Sensex by 50% 📉 Mar 2024 – Mar 2026 Gold outperformed Sensex by 60% What's interesting is that after every major phase of Gold outperformance, the next cycle witnessed Sensex outperforming Gold by more than 100%, and those phases typically lasted 3 years or longer. History doesn't repeat exactly, but it often rhymes. Will this time be any different? If the past is any guide, the next few years could belong to equities. Let's see how it plays out. Shared for educational purposes 🙏 Srikanth Matrubai ARN 51423 AMFI Registered Mutual Fund Distributor Mutual Funds are subject to Market Risk. Read all documents carefully before investing

Treasury Bills (T-Bills) What Are T-Bills? • Short-Term Government Securities • Issued By Government Of India • Backed By Sovereign Guarantee Key Features • Tenure Up To 364 Days • High Liquidity Available • No Default Risk • Predictable Returns Investment Benefits • Ideal For Surplus Funds • Capital Preservation Focused • Suitable For Cash Management • Lower Risk Than Most Assets Who Should Consider? • Conservative Investors • Corporate Treasury Managers • Short-Term Money Parking • Low-Risk Investment Seekers Key Takeaway • One Of Safest Investments • Sovereign-Backed Security • High Liquidity And Stability • Ideal For Short-Term Allocation

 5 sites You must pay advance tax in four installments if your total tax liability exceeds ₹10,000 in a financial year. The due dates for paying these cumulative installments are:  ClearTax June 15: At least 15% of your total tax liability September 15: At least 45% of your total tax liability December 15: At least 75% of your total tax liability March 15: 100% of your total tax liability  Policybazaar Exceptions and Important Details: Presumptive Taxation: If you are a freelancer or small business owner opting for the Presumptive Taxation Scheme (Sections 44AD or 44ADA), you have to pay 100% of your advance tax in a single installment by March 15.  ClearTax Unexpected Income: For incomes that cannot be estimated beforehand (e.g., capital gains from the sale of property/shares or lottery winnings), advance tax should be paid in the remaining installments or by March 31 to avoid interest penalties.  ClearTax Salaried Individuals: If you are a salaried employee, your employer will usually deduct tax at source (TDS). Advance tax is only necessary if you have other significant sources of income (like rent, freelance work, or capital gains) that aren't reported to your employer.  Axis Bank +1 Penalty: Missing these deadlines or underpaying will attract a 1% monthly interest charge under Sections 424 and 425.  ClearTax You can calculate and pay your dues online using the official Income Tax India Portal using Challan No. ITNS 280.  Bajaj Finserv AI responses may include mistakes. For financial advice, consult a professional. Learn more 8 sites The deadline for the first installment of advance tax for Tax Year 2026-27 is June 15, 2026.  If your net tax liability exceeds ₹10,000 after accounting for TDS/TCS, you must pay at least 15% of your estimated tax by this Monday.  ClearTax +1 ⏱️ Safe Margin Rule  12% buffer: No interest penalty if you clear at least 12% by June 15. 1% penalty: Shortfalls attract monthly interest under Section 425.  ClearTax +1 🛠️ Step-by-Step Payment Estimate: Total your projected revenue and capital gains. Deduct: Subtract any expected TDS or TCS credits. Select: Log into the official Income Tax India Portal. Choose: Pick Tax Year 2026-27 under the e-Pay Tax tab.  Tax Saving Tips, Tax Queries, Tax Solutions &  Latest Tax news Join TAX TANTRI https://t.me/TaxTantri

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Message by Ashish Kacholiya Ji

Everyone loves silver *after* +163%. Nobody talks about the −20% fall and −12% fall years that came before. That’s the real lesson. Silver rewards conviction, but brutally punishes impatience. So don’t fall in love with silver. Keep it as an allocation, not an obsession. #DontRetireRich

Lessons from Think and Grow Rich Be deeply committed to your goal. Obsession often outlasts motivation. Have faith in your vision, especially when results are not yet visible. Become an expert. Knowledge builds confidence and credibility. Make a clear plan. Dreams without a roadmap remain wishes. Take decisive action. Ideas create value only when executed. Stay persistent. Many breakthroughs happen after repeated setbacks. Learn from failure and move forward stronger. Collaborate with capable people. Success is rarely a solo journey. Take calculated risks. Growth usually sits outside the comfort zone. Improve yourself continuously. Your income often follows your personal growth. The central message is simple: wealth creation begins in the mind before it appears in the bank account. Clear goals, disciplined action, and persistence can achieve what talent alone often cannot. Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor | Mutual Funds are subject to Market Risk. Read all documents before investing.

https://www.linkedin.com/posts/srikanth-matrubai_dontretirerich-activity-7470726117629456386-nbI5?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAAALjJT8Bm-qQTMD1dI2o3MMdPfHnENBLiSM EXCELLENT ARTICLE TO NOT TO DEPEND 100% ON A

The Warren Buffett Indicator (Total Market Cap ÷ GDP) has fallen from around 155 in September 2024 to about 119 today. What does that tell us? It is telling us that Indian equities are far more reasonably valued than they were during the peak euphoria phase. Think of it like buying a quality house. The house is the same. The price is simply more sensible. As India's GDP grows, valuations can become even more comfortable without requiring a huge market correction. The Buffett Indicator is not a prediction tool but more of a valuation thermometer. And today, the temperature is much cooler than it was 21 months ago. Great wealth is usually built by buying good businesses at sensible valuations—not by chasing excitement. #DontRetireRich Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Disclaimer: Investments are subject to market risk. Please read all documents carefully before investing.

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