Droplet Wealth

 We promised to bring you the Chapter#2 of the Why Investing is easy but in the interim, Government published the Interim Budget and I think its reasonable that our readers expect us to write about it and we write about it. So Chapter#2 can wait... Here's the News from the Interim Budget. “ If it ain't broke, don't fix it.” The Government has not done much mumbo-jumbo in the budget and there is hardly anything for middle class as such. Things look far better now than they were in the past and good thing is Government not trying to tinker things, that are working fine, just for the sake for some "Budget-drama".  Where does that leave us? If you have been reading our budget blogs , you will appreciate the fact that we always want to give a personal touch to what the take aways from the Budget!                                    Take Away# 1 Fix it if its Broken This is so much in contrary ...

 We have been planning to write a piece with this title for sometime now. It so happened that last week I was speaking to a good friend from Investing community and he shared a experiance with me. He chanced upon a Doctor and learnt that there are from the same place. So the conversation boiled down to - "What puts food on the plate question". So One was a doctor and another was a full time investor/advisor. The Doctor was quick to point out that - Being Investor is such a easy profession unlike others, One can easily make 30-50% returns every year. My investor friend would only laugh since he knows that he is the not 1st and he will not be last to "think" that investing is Easy.  But of course, Investing is easy. Let me put the facts out here.. Lets say this is Jan 2019 and you started simply started SIP of 10K in a Mutual Fund that invests only in Top 100 stocks or lets say just did a one time purchase of about 1 lac. Here is how the results will look today -  In ...

                                    Happy Bhogi! Let this be a  Properous Year for all us as we plough the seeds of hard work and seek a good harvest!                         Between Pongal last year and this year, All major Indices of the Indian Stock Market has performed generously, the Nifty 50 has given a return of 21%, the Midcaps have given 51% and small caps gave a more outrageous return of 60% ! and apart from these few select indices like Pharma & Auto returned 37% & 46% respectively. All this in just one year!      As if this  bait is not enough ,the SIP returns since the end of Pandemic look even more extra-terrestial ranging from 33% to 23% yearly!  What do you do now? EXTRAPOLATION            Lets us ...

                      Happy New Year! This is the 7th New Year for Droplet Wealth and each year, we share the rules of personal finance but this year we wanted it to be a bit different. So we will tell you a real story about how one gentlemen turned 29 Crores into 5000 Crores and the financial lessons we can learn from it. The Story -   The Gentleman we are talking about was a Managing Director in a Luggage brand company and the bosses at the company moved on, gave the control to the second generation. The second generation was not keen to work with our MD. Our MD realized this soon and resigned from the company, purchased a 56% stake in its competitor for 29 Crores. Mind you, He had that much money to invest! Now he was his own boss and working in his own company, though his company had limited market share and was much smaller than his previous company. The slog went on for 12 years and today, his company has overta...

 People are flocking to small cap funds like the zombies run towards humans in movies. We have seen this earlier and trust us, this is not gonna have a happy ending. Why so, because we are at the climax and you all know what happens to the zombies at the end of the movie, they all are trapped in one place and get finished off. So, why do I connect zombies with small cap fund investors now?                            Read on – Zombies don’t think – as you would have seen in the movies, all the zombies just run when they sense a living being. Similarly, the frenzy today is, all the investors are flocking towards small cap funds without giving a second thought, just because it has given good returns in the last few years . Zombies fall for the trap – Z’s don’t know what is about to happen next. They flock and fall for the trap laid out as expected. Humans are also the same, they run where the returns are higher an...

      Started in 1986 by just 3 people, over the last 38 years, Kotak Mahindra Bank under the able leadership of Mr. Uday grew into 4th largest Bank in India. Sure, Its worth reading what the man who started from scratch and with his sheer hardwork built such a big bank has to say,  Without much ado -  The words of the Behemoth Indian Banker -  And If you wondering why we consider him a stalwart, Read our Wealth Creator Episode 3 where we have outlined how Kotak Mahindra Bank turned 1 lac invested into 1.2 Crores today. (82 lacs 5 years back).  At times, its not about money always, its about doing what you love and trying to be better at it! For any financial Planning queries, Please contact Droplet Wealth Advisors @ 861017 2018 / 8248369621 or email us at dropletadvisory@gmail.com. listening 

 When we did our 100th blog a few weeks back, we thanked quite a few people and it is time to apologize to one of them. Because here is what happened - One of the blog we did long back was inadvertently a repost. Phat came the feedback, loosely translated as  - "Macha, You are supposed to write something on your own and no reproduce, It does not look good!" I felt so bad but that week I was travelling and could not write. Since we did not want to miss the weekly posting, I re-posted. But Why at all I'm talking about all this now?  Because we are going to do a repost today and neither I am travelling nor I am going to apologize. Here's the truth -  Dear, We cannot sometimes re-write something that's already written so well! Here's a re-post, a 1963 advertisement published in Newspaper of US of A by the First Federal Savings Bank.   Though It was written almost 60 years back, this is a must-must read even in today's age and time. In fact all the more in tod...