Vasanth

Banker|Financial Literacy|Policies| Politics|Investing|Random Thoughts|Tweets & RTs are personal views|

[Vasanth @VasanthBanoth4]

@RyanHoliday I value time . So I value money.

[Vasanth @VasanthBanoth4]

ప్రస్తుతం ఉన్న global పరిస్థితుల్లో, రూపాయి విలువ క్రమంగా బలహీనపడే అవకాశం ఎక్కువగా కనిపిస్తోంది. ముఖ్యంగా West Asia crisis మరియు crude oil imports కారణంగా, ఇండియా ఎక్కువ మొత్తంలో dollars ఖర్చు చేయాల్సి వస్తోంది. దీనివల్ల రూపాయి మీద ఒత్తిడి పెరుగుతుంది.

రూపాయి బలహీనపడితే, US stocks లో చేసిన పెట్టుబడుల విలువ భారతీయ investors కి రూపాయిల్లో ఎక్కువగా కనిపిస్తుంది. ఎందుకంటే, US market returns తో పాటు dollar value పెరగడం కూడా returns కి కలుస్తుంది.

ఉదాహరణకు:
US stocks returns : 10%
Rupee depreciation : 3%

అయితే, మొత్తం returns సుమారు 13% వరకు ఉండొచ్చు.

అలాగే, ఒకవేళ రూపాయి బలపడితే:

US stocks returns : 10%
Rupee appreciation : 3%

అయితే, మొత్తం returns సుమారు 7% వరకు తగ్గొచ్చు.

దీర్ఘకాలంలో రూపాయి బలపడాలంటే:

ఇండియా exports భారీగా పెరగాలి
Oil imports తగ్గాలి.

దేశంలోకి dollar inflows ఎక్కువగా రావాలి.

విదేశీ మదుపరులు భారీగా పెట్టుబడులు పెట్టాలి.

ప్రస్తుతం ఉన్న పరిస్థితుల్లో ఇవన్నీ త్వరగా జరిగే అవకాశాలు తక్కువగా కనిపిస్తున్నాయి.

అందుకే, portfolio లో కొంత భాగాన్ని US stocks లేదా international mutual funds లో పెట్టడం diversification పరంగా మంచి ఆలోచనగా భావించవచ్చు. ముఖ్యంగా, మంచి mutual fund ద్వారా పెట్టుబడి పెట్టడం సాధారణ investors కి సులభమైన మరియు సమర్థవంతమైన మార్గంగా కనిపిస్తుంది.

Feedback is welcome.

[Vasanth @VasanthBanoth4]

Small Cap investing లో నిజమైన alpha returns వచ్చే అవకాశాలు ఎక్కువగా ఉంటాయి. ముఖ్యంగా మార్కెట్ correction phase లో ఉన్నప్పుడు quality small cap stocks undervalued levels లో లభించే అవకాశం ఉంటుంది. అందువల్ల, దీర్ఘకాలిక పెట్టుబడిదారులకు ఇది ఒక మంచి accumulation phase గా భావించవచ్చు.

ఈ నేపథ్యంలో వివిధ Small Cap Mutual Funds పై పరిశీలన చేసిన తర్వాత, ప్రధానంగా రెండు funds బలమైన ఎంపికలుగా కనిపించాయి:
1.Bandhan Small Cap Fund

2. Nippon India Small Cap Fund.

ఈ రెండు funds కూడా గతంలో మంచి performance మరియు investor confidence ను పొందినప్పటికీ, క్రింది కారణాల వల్ల Bandhan Small Cap Fund ను ఎంపిక చేసి Standing Instructions (SIP) ఏర్పాటు చేయడం జరిగింది.

Bandhan Small Cap Fund ను ఎంపిక చేయడానికి గల ప్రధాన కారణం:
Small Cap category లో ఒక fund నిరంతరంగా మంచి returns అందించినప్పుడు, సహజంగానే investors నుండి భారీ inflows వస్తాయి. దాని ఫలితంగా ఆ fund యొక్క AUM (Assets Under Management) గణనీయంగా పెరుగుతుంది.

అయితే Small Cap segment లో deploy చేయగల quality opportunities పరిమితంగా ఉండటం వల్ల, అత్యధిక AUM కలిగిన funds కు కొన్ని operational challenges ఏర్పడే అవకాశం ఉంటుంది:

Fund managers కొత్త inflows ను పెట్టుబడి పెట్టడానికి మరిన్ని stocks ను portfolio లో చేర్చాల్సి రావచ్చు.
దీని వల్ల portfolio concentration dilute అయ్యే అవకాశం ఉంటుంది.

ప్రారంభంలో ఉన్న high conviction quality stocks శాతం తగ్గి, comparatively weaker or average quality stocks చేరే అవకాశం ఉంటుంది.
Large AUM కారణంగా agility కూడా తగ్గుతుంది; అంటే fund managers చిన్న కానీ high potential opportunities లో వేగంగా entry/exit తీసుకోవడం కష్టమవుతుంది.

ఈ కారణాల వల్ల, comparatively controlled AUM మరియు selective portfolio approach ఉన్న Bandhan Small Cap Fund దీర్ఘకాలంలో better risk-adjusted returns ఇవ్వగలదనే అభిప్రాయం ఏర్పడింది.

అదనంగా, smaller and manageable AUM ఉన్న funds కు:

quality stock selection పై ఎక్కువ focus పెట్టే అవకాశం ఉంటుంది,
portfolio flexibility మెరుగ్గా ఉంటుంది,
emerging opportunities ను capture చేసే సామర్థ్యం ఎక్కువగా ఉండవచ్చు.

అందువల్ల, purely AUM size ఆధారంగా కాకుండా, future scalability, portfolio quality sustainability, and fund management flexibility వంటి అంశాలను పరిగణనలోకి తీసుకొని Bandhan Small Cap Fund ను ఎంపిక చేయడం జరిగింది.

Feedback is welcome.

[Vasanth @VasanthBanoth4]

All bureaucrats are well-read. They are selected through difficult exams for public service.They are running the system for decades.

Yet we talk about Kamarajar 's regime , MGR , NTR etc who are not so well educated.

In politics, it is not the qualification but the intent which matters more.

[Vasanth @VasanthBanoth4]

Yes organic obstacles would teach a lot about life.if it is intentional, it will not work.

If rich parents expect their children to live in poverty, such expectations won't teach them life. Instead it generates a lot of hatred.

But there will be several real struggles in one's life.Let parents allow their kids to learn as early as possible.

Money cannot buy everything.

[Vasanth @VasanthBanoth4]

@BaluGorade @grok what reasons S Naren considered for investors not to go overboard for global markets?

[Vasanth @VasanthBanoth4]

@IndianTechGuide At present,our only concern is to save the rupee from the further depreciation.

All these can do that to some extent.

Instead of appealing like these to the people , the government of india must come with policies which can encourage people to avoid these.

[Vasanth @VasanthBanoth4]

@NewsAlgebraIND Don't fall into the current trend of blame game politics.

If the state financial position is not good, find a jugaad.But don't start diversion or blame-game politics like the regular politicians.

[Vasanth @VasanthBanoth4]

Offering freebies to win elections.Later, on the day of swearing -in, changing his stance on freebies is not new age politics.

Punchline, dressing sense,selfie, CM chair are not components of the politics.May be apt for the cinema. Surely not for politics .

May be seen hypocritically but it is critical responsibility in him.

People had reposed their hopes in him for the change of politics.He shall try his best to deliver his responsibilities.

[సాయి కౌలూరి | Sai Kowluri @naaperusai]

మనం నచ్చినా ఓటేస్తారు

అవతలి వాళ్ళు నచ్చకపోయినా ఓటేస్తారు.

[Vasanth @VasanthBanoth4]

More than experience and administrative abilities,good intentions do matter a lot in politics.

Vijay has reached a stage in life where he doesn't need fame and money.

If alliance parties and corporates don't disturb the govt, he may take decisions which can benefit the lower strata of TN.

And another big challenge is his ability to manage public expectations of delivery of freebies with the economic viability of the state exchequer.

[Vasanth @VasanthBanoth4]

My health checkup reports suggest that I have vitamin B12 deficiency.

Lately,I found that as per one estimate,1 Billion people are lacking Vitamin B12 across the world.

India is the worst affected. In India, Southern India is most affected area due to more preference to vegtarianism.

3 most important causes why low vitamin B12:

Absorption gap.
High temperature cooking.
Low intake of meat.

Most serious health issue due to low vitamin B12 cause:

Nerve damage in the brain peripheral.

Vitamin B12 rich foods produce high amount of Carbon emissions.

Vitamin B12 is a very serious public health and environmental concern.

Govt must come with appropriate policy.

[Vasanth @VasanthBanoth4]

@urstrulyMahesh @actorvijay If read between the lines, it is meant that politics is not as simple as it seems.

Usually,in politics, promises are given to have hope in the leaders whether those are viable or not.

Here our superstar is hoping that meaningful translation of the promises into the reality.

[Dr SHRADDHEY KATIYAR @Wegiveyouhealt1]

People without children often hear this line as judgment. It is not. It is simply truth, said softly.

You can live a full life without a child. You can travel, build, earn, heal, and enjoy freedom. All of that is real. But there is a dimension you will never touch until you become responsible for a life that exists because of you.

A child changes the axis of time.
Suddenly, the future is not abstract. It has a face, a voice, and tiny hands holding your finger.

You learn a kind of love that is not romantic, not transactional, not conditional. A love that shows up even when you are tired, broke, scared, or failing. A love that humbles you daily and strengthens you quietly.

You start measuring success differently.
Not by applause. Not by money.
But by whether you are becoming someone your child can feel safe with and proud of.

Children force growth. They expose your impatience, your selfishness, your unresolved wounds. And then they give you a reason to fix them. Not tomorrow. Today.

Legacy stops being a word and becomes a responsibility.
You realize you are not just living your life.
You are shaping a human who will walk the world long after you are gone.

People without children are not missing happiness.
They are missing this specific depth of meaning.

And you do not know it is missing
until it arrives.

[Vasanth @VasanthBanoth4]

@ActusDei Do you offer only PMS ,not mutual funds in global allocation?

[Vasanth @VasanthBanoth4]

@PPFAS @ppfasgift Through PPFAS GIFT, you offer only PMS products or Mutual Funds also?

[Dan Go @CoachDanGo]

Visceral fat is the hidden fat that wraps around your organs.

It’s the most dangerous kind and has been linked to heart disease, diabetes, cancer, and even brain shrinkage.

Here are 6 science-backed ways to burn it off (without starving yourself):

[Sahil Bloom @SahilBloom]

The older I get, the more I realize you can get pretty far in life by just finishing things. The world is full of half-written books, half-built businesses, and half-kept promises. You stand out by closing loops. By doing what you said you’d do. By having the courage to finish.

[Bill Ackman @BillAckman]

I think this is superb advice. Worth a careful read:

Michael Milken – Lessons on Money, Family, and Success

(Forum for Family Asset Management, Milken Conference, Mexico City –
paraphrased notes)

Spend time with your kids — you’ll pay for it (for better or worse) either now or
later.

Think about how you measure meaning and success in your children and
grandchildren. Give them purpose.

For children raised in very successful households, it’s often hard to emulate
success — especially financial success.

Most successful people are too busy to see their kids and grandkids. That
absence shows up later in life.

The center of success is the ability to dream.

Real success is the freedom to live your life.

The financial media is obsessed with lists. Forbes today is mostly about
ranking wealth by dollars.

There are countless stories of wealthy people who never had a good day with
their kids.

You’re only as happy as your least happy child — think about that often.
He shared a story about a wealthy Chicago family whose fortune was divided into 1/13th shares after one heir demanded his part. That decision ended up dividing the entire family.

Be careful not to do something that provides financially but destroys the
family.

The most important thing to teach children is financial literacy.

The greatest failure among wealthy families is not providing financial literacy to their members.
Example: an extremely wealthy Latin American family where the
great-grandfather is still alive — his mindset is completely different from that of his great-grandchildren.

In Asia, inheritance traditionally went only to men — that has changed in
recent decades.

Recommended reading: Economic Mobility Program – Invest in America.

Example: Apollo bought the Venetian Hotel and gave all 7,000 employees
stock. They paid a dividend the first year through a recap — everyone saw it as a “Christmas bonus.” The next year, when there was no dividend,
employees were upset. No one had explained the difference between a
dividend and a bonus.

The biggest mistake over the last 50 years has been financial illiteracy — not understanding the business or the source of wealth. Families and employees both need to learn this.

Best example of a united family: an Austrian family that’s 11 generations old. They own a resort used only by the five branches of the family. Ownership
rotates every three years. To be invited when your branch isn’t in charge, you
must get along with the others.

No matter how much you build or earn, what truly matters in the long run is
your relationship with your kids and grandkids.

Define what success means to you — it’s what makes you happy.
Entrepreneurs don’t just build companies; they can build nations or religions.

One of the most successful entrepreneurs in history is Lee Kuan Yew.

It’s not about how many things you own.

If you’ve never been responsible for making payroll, your view of the world is very different.

Hug your kids and grandkids. Let everyone find their own path.

Children growing up around success feel enormous pressure. Remind them
how valuable they are.

Let kids make mistakes when the stakes are low — not high.