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Slowly. Then All At Once. US Markets rising before bust? “How did you go bankrupt?” Hemingway once wrote. “Two ways. Gradually, then suddenly.” That rhythm doesn’t just describe personal ruin. It describes how entire markets, economies, even societies unravel. Right now, we’re in the gradually stage. Debt is piling up, valuations are stretched, liquidity is tightening. None of these on their own feels like a breaking point. Life goes on. Markets rally. Optimism prevails. But history teaches us that pressures build invisibly , until a tipping point forces them into the open. Think back to 2008. Subprime mortgages, reckless lending, overleveraged banks , all slow-burn problems. Then Lehman collapsed, and in a matter of weeks the global financial system looked completely different. What felt manageable for years suddenly became existential. We’re seeing similar patterns today. Government debt-to-GDP ratios are at record highs. Small and mid-cap stocks in India are trading at valuat...
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Why We Believe Indian Markets Are Expensive

If you just look at the index levels, it might seem like the rally still has legs. But dig into the underlying numbers, and a different story emerges. The signals from corporate earnings, valuations, and historical return patterns all suggest caution. 1. Corporate Sales Growth Has Stalled Earnings growth comes from two levers: selling more (volume growth) or selling at higher margins. Margins in India are already near lifetime highs, but sales growth is soft. FY25 revenue growth for many sectors is well below historical averages. Pre-COVID, sectors like Construction, Capital Goods, and Power routinely saw double-digit sales growth. Now, they’re mostly in single digits. This means profit growth will struggle unless margins somehow expand further — which is unlikely at current levels. In short, the economy isn’t firing on all cylinders, and corporate India isn’t seeing the broad-based top-line growth that usually supports a bull market. 2. Valuations Are at Bull-Market Extremes...

Stay Invested with Indian Equities.

Let me start with my own start with equity and why I have most of my investments in Equity and have a full financial freedom, choice to stop working any day and a good corpus for my family. It was2001 and I was blessed with a boy.  Grandfather gifted a good amount to him. I invested half in RBI bonds and half in Indian Equity. Post 7 years. 10 lacs with RBI Bonds accumulated to 15 lacs , while equity fund made it to 70 lacs( thanks to that bull run of 2004). It wast that day and I have not invested a penny in fixed deposit. It has been equity all the way.  I always stay invested, continue with my sip, add more to corrections, increase SIp when corrections are major and show patience when markets consolidate and goes through time correction  Many Investors who have made good gains in Indian Equity are thinking of booking profits and may be trying to re enter on corrections or investing in other asset class. Wealth is created by staying invested and enjoying the power of co...
Mutual Funds versus Monopoly Game – Decoding the Best Moves Mutual Funds versus Monopoly Game – Decoding the Best Moves Are you ready to roll the dice and learn about the fascinating world of investing? In this blog post, we're going to compare mutual funds with the classic board game Monopoly. Yes, you read that right – Monopoly! So grab your top hat, and let's dive in! First off, what exactly are mutual funds? Well, think of them as a diverse collection of investments, kind of like owning multiple properties in Monopoly. Instead of putting all your money into one house on Boardwalk, you spread it out across different assets like stocks, bonds, and more. This diversification helps reduce your risk, just like owning multiple properties protects you from landing on someone else's hotel! Now, let's talk about building wealth. In Monopoly, your goal is to buy properties, build houses and hotels, and collect rent from other players. It's all about generating passive inc...
Millennial Money Moves: Navigating Mutual Funds for the Next Generation Hey there! If you've ever thought about saving or investing your hard-earned money, you might have stumbled upon the term mutual funds. Pretty daunting, right? Especially with all the technical jargon thrown around. But, worry not! Today, we're breaking it down into bite-sized, tailored for us - the young, dynamic, and future-forward Millennials. Ready to dive in? Let’s unravel the mystery of mutual funds and why they might just be the perfect fit for your financial goals. Why Mutual Funds? Mutual funds are essentially pools of money, collected from many investors, to invest in stocks, bonds, or other assets. Here’s why they are worth your attention: Diversity : Instead of putting all your eggs in one basket, mutual funds spread your investment across various assets. This means, if one investment goes south, you won’t be losing all your money. Professional Management : Not all of us are finance gurus, and t...
Transform Your Extra Income: Best Areas for Mutual Fund Investments Are you looking to maximize your extra income? Do you want to make your money work for you and generate more returns? If so, investing in mutual funds may be the perfect solution for you. Mutual funds offer a diverse range of investment options that can help to grow your wealth over time. In this blog post, we will explore the best areas for mutual fund investments and provide you with insights and tips to make informed decisions. So, let's dive in! Diversify Your Portfolio with Equities Equity mutual funds are a popular choice among investors who seek long-term growth. By investing in equities, you become a part-owner of the companies in which you invest. This allows you to benefit from their growth and profitability. When considering equity mutual funds, it is essential to diversify your portfolio. Investing in different sectors such as technology, healthcare, finance, and consumer goods can help reduce risks and...
Mutual Funds Decoded: Common Questions and Answers Welcome to our blog post! Today, we'll be diving into the world of mutual funds and answering the top 9 most common questions regarding this popular investment option. Whether you're a seasoned investor or just starting out, these questions and their answers will help you navigate the complex world of mutual funds. So, let's get started! 1. What is a mutual fund? A mutual fund is an investment vehicle that pools money from various investors to invest in a diversified portfolio of securities such as stocks, bonds, or a combination of both. By investing in a mutual fund, individuals can gain exposure to a wide range of assets without needing to directly purchase them. 2. How do mutual funds work? Mutual funds are managed by professional fund managers who make investment decisions on behalf of the investors. When you invest in a mutual fund, your money is combined with that of other investors which allows the fund to buy a var...