Sachin Deshpande, QPFP®.’s Post

Rich Indian entrepreneurs are using their wealth predominantly for investment in stocks, bonds and real estate, the HSBC's Wealth Report 2024 said. Their approach to wealth management is quite different from other markets, the report goes on to illustrate. 📊✨ Sure, their investments are keeping markets strong 💹, but with consumption slowing down, can this strategy really sustain long-term growth? 🤷 Govindraj Ethiraj breaks it down. #EconomicInsights #IndiaGrowth #Finance https://lnkd.in/dmhVe67y

"𝗧𝗵𝗲 𝗜𝗻𝗱𝗶𝗮𝗻 𝗦𝗮𝘃𝗲𝗿 𝗶𝘀 𝗘𝘃𝗼𝗹𝘃𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗮 𝗕𝗼𝗹𝗱 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿 💰📈" *(Source: School of Intrinsic Compounding)* In the past decade, India's savings landscape has dramatically shifted. The traditional saver, once content with bank deposits, is now transforming into a savvy investor. From 2014 to 2024, the share of bank deposits plummeted from 58% to 42%. Meanwhile, investments in equities, mutual funds, and PMS/AIF skyrocketed from 12% to 25%. This isn't just about chasing returns—it's a clear indication that Indian households are gaining confidence in navigating market risks and reaping long-term rewards. With rising financial literacy and increased access to investment platforms, many are reallocating their capital to smarter wealth-building channels. This trend shows that the era of passive saving is giving way to a new wave of proactive investing. Welcome to the future of wealth creation, where informed decisions lead the charge

Wealth protection is more important than Wealth accumulation. Do not take such short cuts and avoid such social media influencers. Financial literacy is very important. Every day we read in the newspaper that someone has lost his life's savings due to excessive greed. Many times people lose their money due to the greed for higher returns. Returns up to 5-8 percent in India fall in the safe asset class where returns are 100 percent guaranteed, capital protection, tax free returns, complete peace of mind,no monitoring required. 8-12 percent return comes in the medium risk asset class where there will be partial capital protection, geopolitical risk,monitoring required on yearly basis. 12-15 returns come in high risk asset class where capital is also being eroded, market will be high volatile, geopolitical risk will be high,daily basis monitoring required. Past returns are not necessary to be replicated in the future also so do not go on the assumptions that I got 15 percent return and if I get the same return I will get Rs 5 crore in future. Like in a developed country, when the stock market and mutual funds reach a peak and when the country is completely developed, then there is not that much growth and the market does not give that much return. India is also going to be a developed country in future. Whatever happened or is happening in developed countries will have to be repeated here too. So follow Asset Allocation,Investment should be made in every asset class. #financialindependence #insurance #lic #mutualfund #sip #financialadvisor #financialfreedom #financialplanning #finance #financialliteracy #investment #money #financialindependence #insurance #financialeducation #financialplanner #investing #lifeinsurance #personalfinance #financial #financialgoals #financialservices #retirement #wealth #stockmarket #entrepreneur #wealthmanagement #financialadvice #retirementplanning #financetips #mutualfunds #invest #insuranceagent #investments

Why do most people choose to invest in Real Estate? The options are  1)Stable income 2)Appreciation 3)Tax benefits 4)Tangible asset Let me put this into perspective in case of India. •One, the stable income from real estate in India is only 3% of the investment, which cannot beat the inflation rate.  •Two, Real estate market already seems saturated, and the prices are skyrocketing in 1st level cities, which puts appreciation into question. •Three, only up to 50 lakhs of capital gain can be covered with capital gain bonds, more than that, we have to either pay tax or re-invest in another property. •Four, Tangible Asset seems to be the only valid option because of "touch and feel" emotions. Unlock the secrets of successful investing with RR Finvests. Follow us to stay informed and empowered on your investment journey. Connect with us today!! Do follow and share RR Finvests. Rakesh JP Adithyavignesh Krishnakumar #investments #SIP #investing #mutualfunds #investmentbanking #fundmanagement #assetmanagement #portfoliomanagement #compoudeffect #compoundinterest #rrfinvests #realestate #india #asset

Capital flows to that which is more efficient. FnO included. This economics truism has to be frozen. The opposite has been propagated and have caught on nationwide, bit like Superstition or Covid. Reserve Bank of India (RBI) Guess it will be intervened to reduce cost of capital before private capex kicks in. For whom? SEBI Guess it will be intervened before a New Product is given birth to. For whom? Reserve Bank of India (RBI) Instead, one may find pockets, globally, which is less efficient than our FDs, like Mr. Ambani did, raising cheapest debt a few years ago for his company. SEBI Instead, one may arm the Citizen by tilting it in his favor so that in five, ten years he is ready for non-zero-sum domains. A full 1 crore of these. It's a must to reduce the inequality, local & global. We are at the opposite end as of now. Eg. Tax differential vis-a-vis the FIIs. Unbelievable. Even, permitting multiple Expiries on multiple instruments doesn't gel. For whom? It's useless for the aforesaid 1 crore target. Get out of Bombay. Go somewhere distant and secluded. Indian Ministry of Finance Piyush Goyal NITI Aayog Rashtriya Swayamsevak Sangh

Annual net SIP flows have doubled in the last three years, from Rs 𝟬.𝟵𝟲 𝗹𝗮𝗸𝗵 𝗰𝗿𝗼𝗿𝗲 𝗶𝗻 𝗙𝗬𝟮𝟭 𝘁𝗼 𝗥𝘀 𝟮 𝗹𝗮𝗸𝗵 𝗰𝗿𝗼𝗿𝗲 𝗶𝗻 𝗙𝗬𝟮𝟰. - Economic Survey India 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗮 𝗰𝗮𝘁𝗰𝗵! SIPs are smashing records! Investors are pouring in money, but some are spooked by recent market jumps and pulling out, 𝗿𝗲𝗱𝗲𝗺𝗽𝘁𝗶𝗼𝗻𝘀 are at record highs too 𝟭𝟮,𝟬𝟬𝟬 𝗰𝗿𝗼𝗿𝗲𝘀 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝗶𝗻 𝗝𝘂𝗻𝗲 𝗮𝗹𝗼𝗻𝗲. Don't be them! 𝗜 𝗵𝗼𝗽𝗲 𝘆𝗼𝘂 𝘀𝘁𝗮𝘆 𝘁𝗵𝗲 𝗰𝗼𝘂𝗿𝘀𝗲. 𝗟𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝘄𝗲𝗮𝗹𝘁𝗵 𝘁𝗵𝗿𝗶𝘃𝗲𝘀 𝗼𝗻 𝗱𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲, 𝗻𝗼𝘁 𝗼𝗻 𝗽𝗮𝗻𝗶𝗰𝗸𝗶𝗻𝗴 𝗮𝘁 𝗲𝘃𝗲𝗿𝘆 𝘁𝘂𝗿𝗻. 𝗧𝗵𝗶𝘀 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝗿𝗶𝗱𝗲 𝘁𝗵𝗲 𝘄𝗮𝘃𝗲 - 𝘀𝘁𝗮𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗲𝗱 𝗮𝗻𝗱 𝘄𝗮𝘁𝗰𝗵 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝘀𝗲𝗹𝗳 𝘁𝗵𝗮𝗻𝗸 𝘆𝗼𝘂 #investing #investments #sensex #AMFI #CFP #sip #cfp #investing #equity #markets #1963capitalIWM #1963capital #sip #mutualfunds #mutualfundssahihai

Indians are financially stuck. 60% of Indians will be middle class by 2047. (Currently: 31%) Financial Schemes that were created to help citizens have become shams. Why? Because it’s a money-making machine for banks. ❌ Random Credit cards are given by NBFCs. ❌ Agents sell schemes that help them earn more. ❌ Over 1,400+ mutual funds schemes in India, but no one knows which one to select. Middle class have to beat the inflation skillfully, making passive investment simple. These are 3 main questions, I ask myself to make my investments simple: 1. Am I going to need the money in 3years? - Invest in debt funds. 2. Do I want to create wealth for a longer term? - Invest directly into ETFs or Large cap funds. 3. Still got money laying around for investments? - Invest in Midcaps & small caps. Keep your money goals aligned, and keep working on your skills. Select a few best funds and continue investing in them.

From 2019-20 to 2022-23, an analysis of Indian households' financial assets indicates a conservative approach, with 94% of funds allocated to fixed-income instruments such as bank deposits and small savings schemes, while only 6% is invested in markets. Examine the data closely to understand that the growth of India's mutual fund industry has not come at the expense of bank deposit growth in the nation. Credits: LiveMint #finance #linkedin #investing #equityresearch

Indian households are shifting from savings to mutual fund, SIPs, and equities. India has moved from a nation of savers to a nation of investors. With 82 million SIP accounts, the trend towards market-linked investments signifies growing financial literacy and long-term planning. #InvestmentTrends #mutualfund #sip #financialliteracy

📖 Weekend Knowledge Series 🪙 Sector in Focus: Consumer Finance Sector . The growth of the #financial sector is supported by the rise in equity markets and improvements in #corporateearnings. India’s personal wealth is projected to reach US$ 5 trillion by 2022, growing at a CAGR of 13%, up from US$ 3 trillion in 2017. . The #credit gap, estimated at ₹58.4 trillion in FY 2017 (Source: IFC report), has widened further to ₹103 trillion in FY 2024. Many MSMEs resort to informal credit sources, creating a significant untapped market for financial institutions. . #Creditsource #financialsector #NBFC #stocksinfocus #IndianEconomy #growth #howtoanalysis #fundemantal #Mannapuram #financestocks #growandearn #beyondgrowth #money #followus #EnsureCapital Girish Sodani Gunjan Bhalika Nishu Garhawal