Our Behaviour

Our Behaviour towards Life, makes a lot of difference while Investing.

Investing Today & Investing Later are different scenarios.

Time Value of Money never stops for any one.

Change your behaviour early.

Untill then, enjoy with today’s image.

Kaustubh Deole


My Investing Insights Series – 1

If a healthy seed of a giant tree is planted in a flower-pot, the tree that will grow to be a miniature version of the giant tree. This miniature version is known as Bonsai.

It is not because of any fault in the seed, because there is no fault in the seed. It is only because the seed has been denied the real base to grow on.

In personal finance when you give your investments just a few years of “time” your base is like a small pot and the investment will mushroom into a bonsai.

But by providing the “investment” 10 to 15 years of “time”, you change the base from a pot to a field.

Now the investment gets the right kind of base to compound and create enormous wealth.

How a Password can create Wealth

Sorry for late post. Was hosting a workshop on Financial Independence.

Inspired from a true story from the Reader’s Digest …

I was having an average morning until I sat down in front of my office computer “your password has expired”, a server message flashed on my screen, with instructions for changing it…

In my company we have to change passwords monthly..I was deeply depressed after my recent breakup. Disbelief over what she had done to me was what I thought all day long ….

I remembered a tip I’d heard from my former boss. He’d said, “I’m going to use a password that is going to change my life”.

I couldn’t focus on getting things done in my current mood.. My password reminded me that I shouldn’t let myself be a victim of my recent breakup and that I was strong enough to do something about it.

I made my password – Forgive@her.

I had to type this password several times every day, each time my computer would lock. Each time I came back from lunch I wrote forgive her.

The simple action changed the way I looked at my ex-gf. That constant reminder of reconciliation led me to accept the way things happened and helped me deal with my depression..

By the time the server prompted me to change my password following month, I felt free.

The next time you have to change your password consider some of the following passwords :-


2) @investforgoals

3) @investforthelongterm

4) @equityinvestingisbestforretirement

5) @startinvestingearly

6) @dontcheckyourinvestmentstoooften

7) @dontworryaboutmarketvolatility

9) @riskmeansshorttermmarketfluctuation

Keeping at it brings great results and will create great wealth for you.

Money Tips

Some very important financial tips that everyone should know and execute it for better life….

1. Avoid buying property on loans as it eats most of your earnings unless you have a clear plan for its repayment. It’s important to monitor cash flow. Though, the house will be your asset, your liability will be much more. A better idea is to stay on rent as rental yields are low. Secondly your liquidity will increase. Thirdly your investment corpus will increase. All this will result in more wealth creation.

2. Start a SIP at a very young age. Try to save atleast 15–25 % of your earnings.

3. Avoid buying a car unless you use it everyday.

4. Do not let this sentence scare you. “Mutual fund investment are subject to market risk. Please read the offer documents carefully before investing”. Most people avoid investing in mutual funds just because of this one warning. Yes, there is a market risk, but look at the history and growth of mutual funds.

5. Try having a simple wedding.

6. Most of your wealth should be liquid so you can utilize it when necessary.

7. Considering inflation, you are actually losing money if it is in savings bank account. Do not keep huge money in savings bank account.

8. If you invest in stocks, pay due attention.

9. Else a mutual fund portfolio is a better and sustainable option where an expert fund manager looks after your portfolio.

10. Do not have a belief that property and car make you rich. Its what you save and invest, that creates wealth.

11. Never invest in insurance for returns. Insurance is not an investment option. It is a risk management tool.

12. Never use credit cards for lavish spending. Use credit cards intelligently and for Needs not for Wants.

13. Cancel all credit cards before you retire. Or inform family about all your accounts, credit cards, loans and saving now itself. Even a small residue will cost your family much.

14. Invest on yourself and then on other investments.

15. Always try to balance your earnings with your savings first, then on spending and loans. Never take unnecessary loans. Always have reserve and utilise them.

16. Always have a plan for future events on your career, life, spending and finance.

17. Always have a reserve on your savings for contingency and urgent situations.

18. Your personal life and health are the most important investment. Do have a regular health check and do healthy workout every day. Stay healthy and live happily.

19. Always remember death can come anytime…..so please do buy adequate Term Insurance if you have dependents.

20. Prepare a Will. It may avoid unnecessary fights after you die.