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 know mutual funds invest in Stock Markets. Stock markets aka  Equities aka   share markets aka companies. So a simple thought that comes to our mind, why not invest in shares by ourselves. The self-realization that we are smart than others props this thought to the next level and we commit. If not this then the greed of becoming Wealthy soon props this thought. If not now, then at some point it will. So you are caught and our job as advisors is to help you escape. Let us caution you - The very purpose of this post is not to Frighten you from Stock Markets but to frighten those who think stock market is a place to become filthy rich over night by investing based on a random tip. Read on. We have for now kept the legends who take personal loans and invest in the stock market away. We are only talking about individuals passionate about investing and want to make serious wealth by Investing in Stock Markets. By serious, we mean a number no less than a few...

You need money to make money. Alternatively, you need a disruptive idea to make money for yourself and others. Not everyone would become an entrepreneur like Steve Jobs, Gates or Zuckerberg and hence let us say one needs money to make money. That is the critical resource more than anything is for those who aspire to retire and follow your passion or live a decent life post retirement. This is the reason why we say make your money work for you the moment you start earning!                 A millennial approached us for investment with an expectation of 15% risk free returns. We said, there is risk associated with it and you should invest quite long time (5 to 7 years) and should be OK to adjust for a year or two in case of any uncertainty. And we asked, do you have any savings? NO. Any loans? YES. End of the conversation the millennial said, will get back. After a month the millennial called us and said I'm not ready to take r...

Earlier, we wrote a blog  about investing 30K and earning an income of 50K every month. Most of them might have thought that they need such a huge amount to start investing. Nothing so! At Droplet, our wish is to be all-inclusive and that constant endeavor has resulted in this blog.  I think it is relatively safe to assume that an average middle-class earner can save 5K monthly. Now next we are trying to secure this Middle-class earner's future. In the Financial world, the future is always and always 15 years after . Hence we will plan with 15 years in our mind -  Droplet Team advises that a saver should split his investments into 2 parts one. One for Security and another for Savings.  Part One - Security-   As long as you are alive your family will live in your shade. But, God forbid, Something happens to you? Who would the family lean on? That's why Droplet recommends that the breadwinner's 1t "Investment" should be in " protecting his life...

                                          Droplet is 365 days old, Yes with this New Year we will be “ONE” year old. Happy Birthday, Droplet! We would like to thank all our clients & readers for supporting our small start-up. The idea of starting up a financial advisory service was never there until we realized there is serious lack of financial literacy among people and we wanted to take this opportunity and make people understand the significance of Starting Early, Financial Planning, Asset Allocation and more importantly  differentiate insurance & investments . That’s how Droplet was born.                       When we started, we never anticipated we will get such a significant response from people. But, We are, least to say, humbled and bow down to your support and interest that each of you has sh...

This is the time of the year when fortunate of us would be running to save taxes us 80C. Fortunate because we don't have a home loan and hence we don't "Save Taxes" under 80C.  We will soon have our smartphones throwing up adds like  - " Save 46,500 in Taxes this year " blah blah... not only that we will also our Dad's/Mom's/Uncle's friends who will call up to say that we can a buy a "Money Back Guaranteed Plan" to  save taxes and insurance our life and get "smart" guaranteed returns on our investment and plan our retirements and oh my what and all they will not tell you until you s**k up..  This year Droplet is going to try to make it different and of course we need your Patience and Attention so that we can help you.  Read our Blog  here  and enlighten yourself.  For any financial Planning queries, Please contact Droplet Advisory @861 017 2018/824 836 9621 or write an email to us at dropletadvisory@gmail.com ...

                           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...