Asset Classes

1 lakh LTCG
Top 10 focused stocks - Marcellus PMS

Tools

https://www.tikr.com

AI Chat for Financial Analyst - FinChat.io is powered by ChatGPT. Using AI, FinChat generates answers to questions about public companies and investors. To generate accurate answers, FinChat provides reasoning, sources and data.

Buying

https://www.joinhoney.com

Two types of income

Active Income where the time and effort you put pays for just that time
Passive Income where past efforts makes you money (all time - 24x7)

Fixed Income / Debt

Wintwealth (Wint Wealth)
https://altifi.ai

Sequence of Returns - what sequence of returns risk - Why Understanding Sequence Risk is Crucial for Investing Success!

Why does the sequence of returns risk matter when there are periodic withdrawals I Ft Ravi Saraogi - YouTube

Do not make these 15 investing mistakes!!

Does Buy-And-Hold Investing Still Work? | ET Money

How To Find Multi-baggers (100x) In The Stock Market? | ET Money

Be careful with these Mutual Fund Categories | Thematic | Sector Funds | Multi-Cap | ET Money

Intangible Assets: The Invisible Superhero Of Investing | ET Money

Alternative Investments

Alternative Investment Options | Should You Go for them? | ET Money

Toys for Billionaires: Sports Franchises as Trophy Assets - YouTube

Alternative investments are of many types: There are hedge funds, private equity, commodities like agricultural produce, energy and metals, etc. Then there is real estate, venture capital, private debt placement, peer-to-peer lending, investing in start-ups, arts & antiques, vintage coins, stamps, etc. In addition to the higher returns most alternative investments are not linked to the stock markets or even the bond markets which then acts as an asset hedge and can be used by investors to diversify one's portfolio.

P2P LENDING (Peer to peer lending)

In P2P lending programs depositors or lenders earn more interest on their money and likewise, more borrowers can get access to finance with customized approval procedures. In essence, P2P lending platforms like Faircent, Lendbox, LiquiLoans, RupeeCircle etc. act more as facilitators and risk mitigators. In the process, they provide a range of facilities which includes on-boarding, credit evaluation, agreement signing, disbursement of loans and collection services. Individual lenders can now select borrowers per their preferred loan criteria, location, profile, reason for loan loan tenure which is typically between 3 to 36 months and their desired rate of interest which ranges from 12 to 35%.

FRACTIONAL REAL ESTATE

Traditionally, investing in real estate requires capital ranging from a few lakhs to a few crores. But now platforms like Strata, PropShare etc. have made it possible for retail investors to own commercial real estate in smaller proportions. The business model starts off with the fractional ownership platform identifying an investable Grade A property like a commercial building or a warehouse. Ofcourse, the properties that are identified almost always has an existing tenant who's been locked on a long-term contract which helps with cash flow visibility. Fractional ownership startups generally charge an annual asset management fee of about 1% and they also take in share of the profits over a particular hurdle rate. From an investor's perspective Like any real estate, the owner receives a monthly rental income which comes with built-in rent escalations. Additionally, the investor also benefits from the price appreciation that these properties have over the years.

Strata for investment in commercial property

REIT (Real Estate Investment Trusts) / Real Estate Mutual Funds

https://cleartax.in/s/reit-funds

What are REITs? 5 Steps to analyse and invest in REITs? REIT investing for beginners - YouTube

What’s the Difference Between REIT and InVit? - The 1% News

HIGH YIELDING FIXED INCOME INVESTMENTS

For the last two years, fixed deposit investors have been a grieving lot with FD returns struggling to match the inflation rate. But now, we are seeing a boom in start-ups offering bonds, structured debt and other high yielding fixed income instruments to retail investors as they look to make a dent in the 1.5 trillion dollar fixed deposit market. One of these weapons of FD destruction are high yielding debt instruments which in addition to offering higher interest rates also allows investors to put in amounts as low as 10,000 rupees. Platforms like Wint Wealth, BondsKart, AltiFi etc. offer products like government bonds, AAA rated papers from lending institutions, high yielding BBB rated corporate bonds, private bond placements and also structured debt.

INVOICE DISCOUNTING

There is usually a time lag between a vendor supplying goods or services and he getting paid for it. Now, to better manage cash flows during this period, vendors typically approach a bank or a financial institution who then purchases these receivables at a discount for upfront cash. Today, several platforms like KredX, Jiraaf, TradeCred etc. have skipped the banking connection and match vendors and investors who are keen to participate in this financial opportunity Now, invoices can run into lakhs and even crores which is why these platforms break up an invoice into manageable parts allowing investors to buy a fraction of the unpaid invoice amount. The minimum investment amount changes from deal to deal but we do see transactions starting from 50,000 rupees in some cases. These opportunities typically run for a short tenure of 30 to 90 days and the pre-tax IRR can be as high as 15%.

Is a method of financing used by small businesses to fulfil their working capital requirements

TradeCred

Masterworks

Masterworks is the first platform for buying and selling shares representing an investment in iconic artworks.

https://www.masterworks.com

Others

Strategies

Value Investing - https://www.youtube.com/watch?v=CZA3rVOfti8
Growth Investing - https://www.youtube.com/watch?v=TLGalocqj00

5 Warren Buffet Tips

Invest in a business and not in a stock as of a specific company
Don't have too many stocks in your portfolio
Invest in what you understand
Read, read and extensively read
Earlier you start better it would be
"Price is what you pay, value is what you get." (2008)
"For investors as a whole, returns decrease as motion increases." (2005)
"Be fearful when others are greedy and greedy only when others are fearful." (2004)
"You only find out who is swimming naked when the tide goes out." (2001)

https://www.cbinsights.com/research/buffett-berkshire-hathaway-shareholder-letters

9 Important Lessons from Warren Buffett's Letters to Shareholders | ET Money

Don't have debt rise faster than income
Don't have income rise faster than productivity
Do all that you can to raise your productivity

https://www.youtube.com/watch?v=PHe0bXAIuk0

Steps

Term Life Insurance
Buy a house with a home loan: Tips to maximize benefits
How to reduce risk in an investment portfolio
Jot down clearly the dates when you need money (do not just write the year, time to be specific!)
For all goals that occur within 15 years, stick to the FDs (too late for equity here)
You can consider some exposure to equity mutual funds only for goals more than 15 years away.
Start slowly. Make a small investment in an equity fund. Say 10% of what you park in FD or RD each month. observe the volatility and then gradually increase exposure

https://freefincal.com/download-re-assemble-e-book-on-our-6th-birthday

https://www.financialexpress.com/money/exhausted-your-ppf-investment-limit-here-are-some-other-fixed-investment-options-for-risk-averse-investors/1594500/lite

https://freefincal.com/mutual-fund-faq-new-investors

https://freefincal.com/how-rohits-early-struggles-defined-his-investment-journey/ https://freefincal.com/how-abhisek-funded-his-marriage-is-on-track-to-financial-freedom/

Financial planning

Courses

Finance for Everyone

https://www.edx.org/course/finance-everyone-smart-tools-decision-michiganx-fin101x-1

Soverign Gold Bond (SGB)

Buy it in secondary market instead of applying for new issue
Interest - 2.5 % (taxable) (simple interest given biannually)
Discount of Rs.50 per gram
Exit option at 5 years and maturity at 8 years
No tax on capital gain
SGB are tradable on stock exchange
- Capital gain is taxable
- LTCG with indexation available
No TDS (pay in returns)
4KG per individual per year limit
Best Ways to Invest in Gold | Sovereign Gold Bond vs ETFs vs Mutual Fund vs Digital & Physical Gold - YouTube
How to Invest in Gold | Sovereign Gold Bonds (SGB) vs Digital Gold vs Gold ETF vs Gold Mutual Fund - YouTube
Sold before 3 years - Short Term Capital Gains
- Gains added to income
- Taxed as per income tax slab
Sold after 3 years - Long term Capital Gains
- 20% tax after indexation

Calculated the Returns | Gold vs Digital Gold vs SGB vs ETF | SHOCKING RESULTS | LLA - YouTube

Sovereign Gold Bonds or Multi-Asset Funds: Which should I use for gold diversification?

Should we include gold in our long term investment portfolios? | freefincal

No benefit in including gold in your portfolio for returns
Negative correlation between equity and gold
50% equity + 50% bond perform the best, lower beta (volatility) and same alpha (excess returns)

How to earn higher returns from sovereign gold bonds | Sovereign gold bonds on stock exchanges - YouTube

National Pension Scheme (NPS)

How Much Monthly Pension Does NPS Give? | ET Money

NPS tax benefits: How you can claim tax deductions for NPS under old, new income tax regimes - BusinessToday

Additional Tax Benefit is available to Subscribers under Corporate Sector, under section 80CCD (2) of Income Tax Act. Employer's NPS contribution (for the benefit of employee) up to 10 per cent of salary (Basic + DA), is deductible from taxable income, up to 7.5 Lakh

NPS Vatsalya

International

MSCI World Index
MSCI All Country World Index
S&P Global Index
S&P 500 Index Fund (USA)
Vanguard Global Stock Index Fund (VT Index)
Dow Jones Industrial Average
FTSE 100 Index (London)
Nasdaq Composite (QQQ ETF)
DAX 30 (Germany)
NIKKEI 225 (Japan)

https://www.youtube.com/watch?v=qRT917PvEns

Indian

Nifty 50 (NSE)
Nifty Next 50 (NSE)
Sensex (30% in BSE by free-float market capatiliation)
Motilal Oswal Nasdaq 100 Fund (Foreign index available in india)
Nippon BANKBEES ETF

https://www.moneycontrol.com/mutual-funds/amc-details/RC

Since Nifty50 companies form over 75% of the free-float market capitalisation of Nifty100, the allocation of Nifty50 and Nifty Next50 could be 75:25 in the portfolio

It is prudent to keep a third of the equity portfolio in mutual funds that invest in foreign stocks.

For foreign equity allocation, the ideal option would a fund like Vanguard Global Stock Index Fund that holds the biggest companies in developed countries in the proportion of their free-float market capitalisation. Since this option is not available for Indian investors, we can allocate up to 20% of the total equity portfolio in funds like Motilal Oswal Nasdaq 100 Fund of Fund. For taxation, these funds are treated like debt mutual funds; but that is fine since we diversify the portfolio to reduce risk not to increase the return.

A better approach, therefore, is to take the middle path. Invest half the Indian equity investment in index funds (Nifty50 and Nifty Next50 with 75:25 allocation) and the remaining equally in 3 to 4 multicap funds managed by fund managers with a proven track record of over ten years. Up to 20% of the equity portfolio can be kept in foreign equity index funds

https://freefincal.com/build-equity-mutual-fund-portfolio

Tips

Invest less during bullish market (SIP 25%)
- importance of not getting caught up in bull markets - speculative investments during bull markets can lead to huge loss of principal investment.
Invest more during bearish market (SIP 75%)

Resources

https://freefincal.com/best-mutual-funds-2019-quarter-three

https://freefincal.com/my-stock-portfolio-vs-nifty-jan-2021

https://youtu.be/xiiAn0lShj8

https://www.youtube.com/c/SUBRAMONEYPVSUBRAMANYAM/videos

How To Retire Rich In Your 20's 🔥 | Financial Freedom 🔥 | 5 Rules Of Money 💸 |

Asset Classes

Tools​

Buying​

Two types of income​

Fixed Income / Debt​

Alternative Investments​

P2P LENDING (Peer to peer lending)​

FRACTIONAL REAL ESTATE​

REIT (Real Estate Investment Trusts) / Real Estate Mutual Funds​

HIGH YIELDING FIXED INCOME INVESTMENTS​

INVOICE DISCOUNTING​

Masterworks​

Others​

Strategies​

5 Warren Buffet Tips​

Steps​

Financial planning​

Courses​

Soverign Gold Bond (SGB)​

National Pension Scheme (NPS)​

International​

Indian​

Tips​

Resources​

Links​