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"Time in the market is more important than timing the market"

"Time in the market is more important than timing the market"

Are you still waiting on the sidelines, when

>> Markets are touching new highs everyday

>> Investor confidence is rising

>> There is a stable government at the center & new policy decisions are expected

>> Hope are ripe for improving macro factors

>> Foreign investors are finding India attractive investment destination

What are you waiting for...?

It is time for you to build exposure towards equity. Equity Mutual Fund is an ideal option for many of us in such scenarios as there is a dedicated professional fund manager managing our money, taking buying/selling decisions in fundamentally good companies and ensuring lower risks through diversification.

So, stop worrying about timing the market and start disciplined investing via SIPs in Equity Mutual Fund. In a SIP, the investor regularly invests a sum of money every month into buying units of a mutual fund. Because investment is made in small parts or installments, SIP helps investors avoid the risk of timing the markets and helps create wealth in a disciplined manner.

Benefits of SIP:

* Regular investing makes difference

* Reduces the risk of lump-sum purchases

* Power of compounding

* Benefit of taxation

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

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Your Old Photograph

Your Old Photograph

See your old photograph and you'll realise that you were looking really

nice.

Think of the time when the picture was taken and ask yourself a question.

Did you think you looked very good back then?

Most likely your answer would be 'no' because we normally underestimate our

present.

Similarly when you are young and earning a small salary with

paltry savings, most likely you are likely to underestimate your savings as

something insignificant for wealth creation.

Just like your photograph exposed a handsome and beautiful 'you' in the

past, had your small savings of that time been invested then, it would

have today made you look good, although, more in terms of wealth.

A small insignificant looking investment is thus adequate for wealth

creation if provided with sufficient time.

Time is thus more crucial for wealth creation than money.

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

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Small is Beautiful applies in investing too

'Small is Beautiful' applies in investing too

There was once a tree at the edge of a forest that had deep roots, a thick trunk and wide branches. A lot of birds sat on its branches and passers-by sat under the cool shade that the tree provided to beat the scorching sun. At the foot of the tree there was a small plant that seemed slender and delicate and swayed at the slightest breeze.

The big tree was very proud of its achievements and often mocked the smaller plant. It even advised the small plant to follow in its footsteps and spread its roots wider. To this, the smaller plant smiled and remarked that it was safe just the way it was. The big tree had a hearty laugh at this thinking that the small plant had lost its mind.

But the big tree had spoken too soon. A few days later, a big hurricane struck the forest. The hurricane was so strong that it uprooted the thickest of trees, including the big tree at the edge of the forest. However, the small plant had managed to twist and turn with the strong gushing winds and survive the storm!

The story of the big tree carries a lesson for equity investors. There are many who feel that one needs to invest large sums in equities to create wealth over the long term. But this may not be true. Even smaller sums invested regularly over a stretch of time can help to compound and yield a large corpus.

Similar to the small plant which braved the hurricane, you too can create wealth despite bouts of volatility by choosing the SIP route. The only condition is that you need to be persistent and withstand the negative periods of the market. We therefore say that SIP is like a good EMI – an investment and not an instalment. Just as we are committed to pay our EMI, we should continue our SIPs for longer periods of 10, 20, 30 years and create wealth in the process. So if you believe that small is beautiful, then SIP is the way forward to meet your long term investment goals.

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

#bazarwiz #bazarwizfinancialservices #shivendra #shivendrakumarsingh

Financial Five

Financial Five

1. Investment is difficult because we make strategies based on past performance but lose conviction in the future performance.

2. Never retire. Only become financially independent so that you never retire.

3. We see the last Bull market are as a "lost opportunity" to sell but see the next Bull market as an "impending opportunity" to buy.

4. We see the last Bear market as an "opportunity lost" but the next Bear market as a "looming threat".

5. Selling should be something that's done sparingly and associated with your goals and not what market prices are doing.

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

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story of the week "Shake it off and step up "

The Security Guard For Your Wealth

Having a security guard does not mean that your home should be burgled every night and that he should be fighting off the burglars every night.

A guard provides us peace of mind.

You are happy to have him standing in front of  your house day in and day out despite of theft.

Even if several years pass and there isn't any attempt of theft, we never regret having the security guard outside our house. In fact we will be happy to have him there for years together without any experience of theft.

Likewise, having a Financial Distributor does not mean you need to engage him on a daily basis.

He too is like the security guard. The only difference being the security guard looks after your home while the Financial Distributor looks after your wealth.

His being there gives us peace of mind because we know that while we may be busy with other work, he is looking after our wealth.

He guards us against incorrect investor behaviour that we can show up from time to time

He guards us against making untimely redemptions

He ensures that we invest regularly and stay invested for the long term.

Just being there on our behalf guarding our wealth is a job by itself and needs to be done well.
Name: Bazarwiz Financial Services
Firm Name: Bazarwiz Financial Services
Mobile: 9450529369
Email: care@bazarwiz.com

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DON'T KILL THE PARROT

DON'T KILL THE PARROT

The story is told of a woman who bought a parrot to keep her company, but she went to return it the next day.

"This bird doesn't talk,"she told the owner.

"Does he have a mirror in his cage?" he asked. "Parrots love mirrors. They see their reflection and start a conversation."

The woman bought a mirror and left. The next day she returned; the bird still wasn't talking.

"How about a ladder? Parrots love ladders. The happy parrot is a talkative parrot."*

The woman bought a ladder and left. But the next day, she was back.

"Does your parrot have a swing? No? Well, that's the problem. Once he starts swinging, he'll talk up a storm."

The woman reluctantly bought a swing and left. When she walked into the store the next day, her face had changed.

"The parrot died," she said.

The pet store owner was shocked.

"I'm so sorry. Tell me, did he ever say anything?"he asked.

"Yes, right before it died," the woman replied.

"In a weak voice, it asked me, 'Don't they sell any food at that pet store?'"

This is exactly the story of investing.

We study market outlook, we study macroeconomic parameters like fiscal deficit, GDP growth, crude oil prices, international markets, monetary policy, FOMC meeting expectation, Chinese economy,IIP figures, inflation figures, unemployment rates etc etc etc but we forget the MOST IMPORTANT INGREDIENT in our attempt to predict the future;

And that is "Time"

Take a moment to do a "priority check", and give your investment what it needs the most "time".

Don't wait for the parrot to die; I mean your investment to die!!!!!!

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

#bazarwiz #shivendra #mutualfund

Be patient; wait until everything is in your favor to interest"

"Be patient; wait until everything is in your favor to interest"

Equity investing is a wealth creating mechanism. Buying equity is participating in the growth of the company. As companies grow, so will your money. There will be ups and down, there might be the volatility as obstacles for the growth but if you are investing, you are still buying a small part of a business. Equities are one asset class where you can beat inflation and by a large margin if you make the right decisions.

There are two emotions in the market: Greed and Fear. People come only out of greed. Greed is highest when market is at the peak of the bull phase. That is the time when 80-90 per cent of the investors enter the market, when actually no one should come close to it. They sell when fear is the dominating emotion, that's when the market is at the bottom. So they buy at the top and sell at the bottom. It will keep happening. You have to master these emotions. Buy when everyone is selling and sell when everyone is buying. If you do that, you will not lose money.

Stop checking your stock prices daily. Turn off TV shows. Don't follow the crowd. Invest in fundamentally strong companies and be patient, don't trade. Avoid direct investing; if you do not understand the company or have no time or resources to track the market then the mutual fund investments is the best route and leave it to professionals. Speak with your Financial Distributor today, invest regularly.

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

#bazarwiz #bazarwizfinancialservices #shivendra

We have had a terrible time in the markets.

We have had a terrible time in the markets. It is true that the current environment remains challenging due to macro-economic headwinds. Over the past many years , financial markets have gone through multiple phases of 'risk-on' and 'risk-off' environment.

(1).Be your own judge: Develop a philosophy. Take your time, understand the product and, then, proceed. And, once you take the decision, be prepared to change course. "Be fearful when others are greedy, and be greedy when others are fearful". Following the principle, falling markets gives an opportunity to invest in lower NAVs of promising funds.

(2).Trust the expert: Seek advice of a Financial Planner for better choice of funds. It helps you in creating road map for reaching your goals. This will help you in identifying, quantifying the current financial needs and how you can achieve these goals in a disciplined manner.

(3).A Patient & Disciplined investment approach: Investors might see gains in the short term, but loose in the long term due to lack of disciplined investment. Hence it's always prudent to have a disciplined investment approach with a long term investment in mind.

(4).Diversify your investment: Diversify all your investments in various assets. Scatter your money or spread your investment portfolio over a wide range of different assets like Equity, Debt, Gold, Real Estate, NCD, PPF, Life Insurance...etc. and reduce the risk of returns. It acts like shock absorber on a car - it smoothens out the ride on a bumpy financial road.

(5).Don't panic: Don't panic or don't be disappointed in the current market fall. Volatility is in the nature of the market. Don't worry it is the nature of stock markets to move up and down, Understand volatility for better returns; this trade-off is a good one for long term investors. Stay away from the crowd.

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

Bazarwiz Simplest and Most Reliable Platform for Mutual Fund Investment

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New Education

"The illiterate of 21st century will not be those who cannot read and write, but those who cannot learn, unlearn, and re-learn."

1) It's high time that we learn about compounding, unlearn about investing in fixed deposits for the long term and re-learn about equity investing for the long term.

2) It's time we learn about scaling up our business. Unlearn the 'old' paper based method of doing business and re-learn about technology and platforms that have made Geography History.

3) It's time we learn about selling to unknown people. Unlearn about focussing only on traditional referral methods and re-learn about brand building using social media.

4) It's time we learn about our real purpose. Unlearn the art of complicating things and re-learn the the art of simplifying things by simple easy to understand education.

It is easier said than done because it requires courage in the heart to "unlearn" and then re-learn????

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

Keep it simple.

Keep it simple

Wealth gets created by keeping things simple.

1) Invest regularly : like regular morning exercises builds health, regular investing builds wealth.

2) Make it a marathon : 'Being regular' is vital but what is even more crucial is being regular for very long (for 10, 15 or 20 years)

3) Knowing Less is More : What is important to remember is invariably wealth creation is inversely proportional to common market knowledge.

Just like incomplete knowledge of medicines can be damaging to health, similarly little knowledge of markets does more harm than good.

In fact it would not be inappropriate to say that one can create wealth by knowing less. The more you think you know, the higher the probability of going wrong.

This is because 'nobody' really has seen the 'unseen' and even if you guess it right once it is not sustainable. This path is fraught with failure.

Little knowledge means our wealth is at the mercy of speculative thinking.

With little knowledge we may win some battles that would subsequently get balanced by excruciating defeats.

Instead staying invested oblivious of the surrounding noise is a better strategy for wealth creation.

Start early, start small, stay invested for long, be lazy, be ignorant, stay stubbornly invested.

This is the path that leads to wealth creation.

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

If not in Cricket, can you be a Dhoni in investing at least

If not in Cricket, can you be a Dhoni in investing at least.

When I see people cursing Dhoni for the one run defeat against West Indies saying all kind of things such as he isn't lucky any longer, he has lost his Midas though and that the past was just like a fluke etc., I am reminded of the scores of investors who panic when the market's startle them by a suddenly correction and they react by selling off their investments.

A champion investor is like Dhoni, Kohli and their ilk who despite being in the middle of the battle zone maintains their cool and takes setbacks in their stride only to come back stronger from the experience.

So before investing, decide what kind of investor you are?

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

KEEP ENVY AT BAY

The reason we go so wrong in our investment is because of our lack of conviction in the investment process.

We believe that market's give return whereas returns come from the economy and are reflected in the markets.

Once an investor understands the concept of market returns and moves from Fixed Deposits to Equities, instead of being happy, the habit of looking around gets the better of him.

Not happy with substantially better returns than Fixed Deposits the investor's greed gets the better of him making him to yearn for more. 'Yeh Dil Maange More'

He begins to suffer from post purchase dissonance which makes him believe that he hasn't opted for the best solution/ product and the product owned by his friend / colleague etc is actually a better one.

Everything the other man or woman has looks perfect and all that he has simply seems imperfect and a mistake.

This kind of thinking makes him take knee jerk actions like selling out what he has and purchasing what someone else has.

Unfortunately this is a behavioural issue and does not end here and soon post purchase dissonance once again shows up.

Therefore getting too involved with your investment many a times is a recipe for disaster and a good advisor will do his job well by preventing the investor from falling prey to this behavioural disorder.

The best way to invest is to get educated, get conviction, gain confidence, be calm, stay invested and moreover stop looking at others.

An advisor, plays a vital role in controlling the emotions of the investor and preventing him or her from committing what can be termed as 'financial suicide'.

Name: Bazarwiz Financial Services

Firm Name: Bazarwiz Financial Services

Mobile: 9450529369

Email: care@bazarwiz.com

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