Perpetual Wealth Management

We provide tailor made financial advisory that fits individual financial needs to achieve all long & short term goals in personalized and simple manner

[Morgan Housel @morganhousel]

The fastest way to get rich is to go slow.

[Perpetual Wealth Management @WealthPerpetual]

For eg. if inflation is expected to remain higher for longer, equities might continue to underperform vs. its performance in a low inflation environment. 2/n

#assetallocation #equity #debt

[Perpetual Wealth Management @WealthPerpetual]

Right asset allocation is key to wealth creation. If global macro changes for a longer time, it warrants to put in good thought and change align the asset allocation with the change in macro accordingly. 1/2

https://t.co/SOd9MbDzq8

[Perpetual Wealth Management @WealthPerpetual]

Interest rate hike cycle is near the peak. The pause in the interest rate cycle by Reserve bank of Australia and now RBI point to the system wide weakness and expected fall in inflation rate. Can we expect a rate cut in later half of 23?

#inflation #InterestRates

[Perpetual Wealth Management @WealthPerpetual]

This makes SGB's more attractive (however comes with lower liquidity) vs Gold funds and further makes Fixed deposits and NCD's/Bonds more attractive vs. Debt mutual funds. 4/n

[Perpetual Wealth Management @WealthPerpetual]

Mutual Funds that invest not more than 35% in equity shares will now be subject to be short term capital gains vs. Long term capital gains earlier. This takes away benefit of indexation from Gold Fund, Debt Funds etc. 1/n

#mutualfund #investinginindia #MutualFundsSahiHai

[Perpetual Wealth Management @WealthPerpetual]

Govt is trying to create a level playing field between Mutual Funds and Banks. Further, Grandfathering not extended to MLD (Market Linked Debtures) which will also be taxed at marginal tax rate 3/n

[Perpetual Wealth Management @WealthPerpetual]

Eg. If inflation rate was 6% and capital gains were 10% taxation used to be on the difference i.e (10%-6%) 4% at 20% (i.e 10%-0.8% = 9.2% post tax return) if held for more than 3 years. 2/n

[Perpetual Wealth Management @WealthPerpetual]

Think rationally, do not get carried away from market fluctuations if you are a long term investor.

[Perpetual Wealth Management @WealthPerpetual]

Keeping your learning curve high but constantly improving your knowledge. Market cycles are normal and requires investors to understand macroeconomics and industry trends.

[Perpetual Wealth Management @WealthPerpetual]

Psychology of Market cycle and investor:

Markets are notoriously volatile and reward the patient, disciplined long-term investor.

[Perpetual Wealth Management @WealthPerpetual]

we normally stick to the investment strategy which has worked in the past. Take a step back and understand your investing reason and financial objective. Taking crucial steps such as understanding time horizon and portfolio that fits you well around all market cycles

[Perpetual Wealth Management @WealthPerpetual]

At Rs. 50,000 per month EMI it isn't possible to buy a luxury car but with Rs. 5,000 SIP every month with reasonable time your goal to buy luxury car is possible.

Regular investments via SIP in mutual funds will give luxury of your choice
#MercedesBenz #mutualfunds #SIP

[Perpetual Wealth Management @WealthPerpetual]

A portfolio holds different kind of asset classes while keeping in liquidity, volatility, risk, lock in and taxation.

Look at how 4 commonly used asset classes have performed in different time period.

#Investment #volatility #Returnoninvestment
Source: Livemint

[Perpetual Wealth Management @WealthPerpetual]

We make investments with highest conviction and we sell our holdings also with even higher conviction.

#InvestingAdvice

[Perpetual Wealth Management @WealthPerpetual]

Real estate is most valuable asset in the world therefore buying a house is a biggest financial decision.

The decision of whether to buy or rent is not purely a financial decision. Look beyond the numbers.

#renting #investing

[Perpetual Wealth Management @WealthPerpetual]

6 years of demonetization, the real benefit comes from formalization of the economy, which is major piece of government strategy for managing the economy.
1. Acceleration of digitization
2. increase in compliance on income tax
3. enrollment of new tax payers

[Perpetual Wealth Management @WealthPerpetual]

RBI hikes repo rate by 50 basis points to 5.9%

#reporate #rbipolicy #MPC

[Perpetual Wealth Management @WealthPerpetual]

#discipline and #patience are two biggest differentiators in wealth creation