Droplet Wealth

        So we promised we will suggest a different (better) way of Direct equity investing in our previous blog . Here we are with our simple thoughts. Read on Build your Capital  1. Give yourself an 8 year time period. Well, the obvious question then would be "Don't stock markets make people rich in quick time?" Not really. One would have "made" the money in one year but by staying invested for decades. 2. In that 8 year period build your capital by saving in products that are exposed to stock markets. aka Equity Mutual funds. 3. Why Equity Funds and not something else? That is because, this will give the experience of "Market Volatility" + compound your capital at a better rate.  That's only about capital. So how about the knowledge?  Built your Knowledge 4. During this 8 year period, Start reading books relating to investing.  5. Based on what you read, Pick the Stocks and make a note of the reasons for your buying ...

A lot of us might be thinking about making part payments against our home loans. We suggest you look at the below table of savings before you take any such decisions -  For those not adept with numbers/tables, lets us clarify in simple sentences.  1. If we prepay 1 lac of our home loan at the beginning of each year for 5 years. Our Total "Interest Savings" come to about INR 5 lacs for a period of 15 years. 2. If instead of prepaying the home loan, we choose to invest the same in an equity mutual fund, then a fund returning 12.5% per annum, would help us create a corpus of 20 lacs. 3. If instead of prepaying the home loan, we choose to invest the same in an equity mutual fund, then a fund returning 10% per annum, would help us create a corpus of 15 lacs. Before we complete - here are the few reasons why r ecommend delaying the Pre-Payment of the home loan - 1. The Prepayment can be used to create your retirement corpus. 2. Locking up your savings...

C lick here to read in Tamil We know so many people that have a home loan. How much ever they try to, they still pay a minimum of 40% to 90% of principal as Interest to the lender. We delved about this and wanted to give our readers a plan that helps them reclaim the interest portion.  We have normally noticed that most of the home bought are about 40 lacs. WIth 20% down payment, the loan amount comes to 32 lacs. On a loan taken for 15 years at 8.6%, the EMI works out to be INR 31,700. If the loan is duly completed in 15 years, the total interest paid is 25 lacs. Now we have to do plan to get this 25 lacs back.   But the plan is good only if there is no extra payout that the borrower has to make. So we suggest that you extend the loan tenure to 20 years. This will save you 3,700 per month in EMI. Next, Invest the EMI savings in a good equity fund for 20 years. Let's see what happens now.  As one can see by simply managing one's investme...

Each time, We approach someone to invest in Equities (read Mutual Funds), they are inherently worried about the loss. Questions like - What if I don't even get back the Money I have invested? Will be I become Super-Duper Rich.? One extreme to another! Alas, I wish, sometimes, we used less of our thinking ability. We wondered how should we answer these question. That's when the Indian-ess in us came to our rescue. If we notice, in our country, most of the times, we do something because our Neighbour does it, Or our friend does or our Cousin does it or somebody did it.. So we said let us bring to our reader stories of fellow Investors who made some serious wealth (Read hundreds of Crores) by investing. Mr. Anil Kumar Goel - Before anything - Oh yeah! He is Chennaite :) No Idea about Stock Markets - Anil was born and bought up in Punjab. He came to Chennai on the insistence of his Grand Father to help his Steel Business. Having come to support his Grand Fat...

                           Being an Indian, I wanted to extract the maximum juice out of my Netflix trial account. I had just completed watching Narcos, All the 3 seasons, 30 Episodes, all done within few weeks amidst a hectic work schedule. Having seen blood and gore, I wanted to wind up my Netfilx experience with something nice and that ended me in watching "Arjun Reddy"                 I had heard of the movie but only as Taboo. Well, let me tell you something, Time justifies a lot of taboos, Time - one hell of a thing it is. The 1st kissing scene, the Director had just nailed it. Money's worth returned.  -------Break-------- I wondered who the director was.  I "Wikipedia-d"  Being a Bhaniya, naturally, my eyes caught this  -  Oh my God! In just about 2 months, an investment of about 4 crores turned out to be 51 cr...

Sagacious - I first read this in a newspaper article. The word stood out and stick on to my "Cockroach Brain" Sagacious Decision - I used this in a mail, I was trolled, readers were awed. Anyways, the word stood out.  Well we happened to come across a Sagacious Investor. Why sagacious? Because he is young yet he has got his financial stuff all sorted out which is very rare to see in today's youth. We thought that what better thing than to get our readers a peep into his thinking and Ideas.  The Chap's name is Pramod. He hails from a middle class family, born and bought up in Hosur, Tamil Nadu. His Father runs a Groceries Store and Mom is house wife. He has elder brother who works with a reputed IT company.  Pramod's Interview follows -  Tell us Pramod - What made you invest in equities?                 I started my career in 2012, I joined a reputed organization right aft...

A IT company, A Paint Company, A Bank and what now? Look around your house, You will find one. Above the Air conditioner that conditions the temperature of your room, near that LED TV, may be next to the refrigerator... That Saucer plate like thing gadget that guards your electrical appliances from the shocks by stabilizing the power supply..  Please guess what I am talking about! Okay, Here is another clue -  Oh yeah! The Stabilizer and today's Wealth Creator is  V-Guard Industries. I myself did not know so much about this company until my Ex-Manager popped up this name. This is his Ex-company. Ex-Manager's Ex-Company, Weird ?! ? Aaargh!   A Look into the history of V-Guard -  Started in 1977, when Kochouseph Chittilappilly set out to build a brand in the Indian electric and electronic goods industry Started with a small manufacturing unit for voltage stabilizers, a capital of Rs.100,000 and two employees the company now has over 5...