Wealth of Wisdom - WOW

WEDNESDAY WISDOM HOW CAN HIGHER GLOBAL YIELDS AFFECT INDIA? Think of a global investor deciding where to park money. When US bond yields rise, US bonds can become relatively more attractive. The chain can look like this: **US yields ↑ → US assets become more attractive → FPI flows towards India may weaken → Demand for ₹ can reduce → Rupee may face pressure → Indian bond yields may rise → Borrowing costs may increase → Equity valuations may come under pressure** But this is not an automatic chain reaction. India's inflation, RBI policy, economic growth, crude oil prices, fiscal position and domestic liquidity also influence the outcome. INVESTOR TAKEAWAY **Don't react to the first link. Understand the entire chain.** A rise in US yields is a market signal — not an investment decision. Stay focused on your goals, asset allocation and investment horizon. Srikanth Matrubai | ARN-51423 AMFI Registered Mutual Fund Distributor *Disclaimer: Investments are subject to market risk. Please read all documents carefully before investing.*

# WEDNESDAY WISDOM 🇮🇳 HOW CAN HIGHER GLOBAL YIELDS AFFECT INDIA? Think of a global investor deciding where to park money. When US bond yields rise, US bonds can become relatively more attractive. The chain can look like this: **US yields ↑ → US assets become more attractive → FPI flows towards India may weaken → Demand for ₹ can reduce → Rupee may face pressure → Indian bond yields may rise → Borrowing costs may increase → Equity valuations may come under pressure** But this is not an automatic chain reaction. India's inflation, RBI policy, economic growth, crude oil prices, fiscal position and domestic liquidity also influence the outcome. ### 💡 INVESTOR TAKEAWAY **Don't react to the first link. Understand the entire chain.** A rise in US yields is a market signal — not an investment decision. Stay focused on your goals, asset allocation and investment horizon. Srikanth Matrubai | ARN-51423 AMFI Registered Mutual Fund Distributor *Disclaimer: Investments are subject to market risk. Please read all documents carefully before investing.* #WednesdayWisdom #IndianMarkets #BondYields #FPI #MutualFunds #InvestingBasics

Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor WEALTH OF WISDOM - WOW: BHAGWAN DATTATREYA’S 20TH GURU: ARROW MAKER (BĀNA) A man was once making an arrow with complete concentration. A king passed by with his soldiers, elephants, horses and music. But the arrow maker noticed none of it. His attention was so deeply absorbed in his work that the entire procession passed without disturbing him. THE ARROW MAKER TEACHES US: Deep focus makes the outside noise irrelevant. WEALTH LESSON: As investors, we are surrounded by noise. Market predictions. Breaking news. WhatsApp forwards. YouTube opinions. “Buy now” calls. “Sell immediately” warnings. Another fund recommendation from a friend. Every day, something demands our attention. But investing doesn't require us to react to every sound. It requires us to stay focused on what matters: **Our goal. Our time horizon. Our asset allocation. Our investment plan.** The question is: Do we need to listen to everything? The arrow maker teaches us: Focus is knowing what deserves your attention. #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

Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor WEALTH OF WISDOM - WOW: BHAGWAN DATTATREYA’S 20TH GURU: ARROW MAKER (BĀNA) A man was once making an arrow with complete concentration. A king passed by with his soldiers, elephants, horses and music. But the arrow maker noticed none of it. His attention was so deeply absorbed in his work that the entire procession passed without disturbing him. ### THE ARROW MAKER TEACHES US: Deep focus makes the outside noise irrelevant. ### WEALTH LESSON: As investors, we are surrounded by noise. Market predictions. Breaking news. WhatsApp forwards. YouTube opinions. “Buy now” calls. “Sell immediately” warnings. Another fund recommendation from a friend. Every day, something demands our attention. But investing doesn't require us to react to every sound. It requires us to stay focused on what matters: **Our goal. Our time horizon. Our asset allocation. Our investment plan.** The market will always have something to say. The question is: Do we need to listen to everything? The arrow maker teaches us: **Focus is not about knowing everything. Focus is about knowing what deserves your attention.** #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 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.

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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

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