RICH INVESTING iDEAS

Porter's Five Forces for Business Analysis   When we talking about the Stock Market (Business) valuation, there are lot of tools to analyze it. We can simply put with the EIC (Economy Industry Company) framework by Top down approach, SWOT or preferring any business life cycle models. Still there is an attractive model recommended for the valuation of a business. Porter's Five Forces is a business tool that helping to analyze a company on its competition. Industry Rivalry Threat of New Entrants Threat of Substitutes Bargaining power of Buyers Bargaining power of Suppliers   Industry Rivalry: The Marketing strategy and pricing for the product which decides a company to be successful. The rivalry is an important one for any firm which goes through the market and dominate itself to be sustained. For the automobile industry, the competition would be very high and expected to increase even further. Threat of New Entrants: New Entries are generally a threatening one

6 (SIX) QUICK PRINCIPLES FOR SUCCESSFUL BUSINESS   Last week I had a chance to meet a webinar session of the great business man, T. Harv Eker. It was an one hour session about Business from, ‘ Zero to Multimillionaire ’. Such a wonderful meet with Mr. Harv online, he had a things of business strategy and given to everyone with a basic understanding. Mr. T. Harv Eker is the author of the popular, ‘ Secrets of the Millionaire Mind ’ book, which includes a collection of mental attitudes that facilitate wealth. This book appeared as a No.1  on the New York times best seller.  His articles and seminars are the famed in the Wall Street Journal (WSJ). Plenty of business words are discussed and got an inspired touch. Here I like to give you shortly about the things I learnt there. We just think about the business, is needy of money and experience to be successful. But, it’s not true on that manner; however these two things are the basic complementary. He is telling the basic thing about stop d

How to find the right business for me ?   The Entrepreneurial world is changing the way globally, Most of the people needs to start a business, but not just want. We knows that Globalization eases anyone not only for the business, that gives the powerful information. We can tell ourselves that, ' Need Money to start ' or ' Not '. Starting a business needs Nothing. It simply comes with a profit margin and a volume. Road side vendors are creating a successful business than Business owners who had spent a thousands of dollars. So, business needs a little courage with better confidence. Again i am telling to you, Business is nothing but a combination of Margin and a Volume. Here i will tell you, how to find the right business for you or choose the right business for me. There is a plenty of businesses and business models available there, as you can see by these technology, called Internet or Google :) Many business available may helpful to create an online content like th

The Fantastic Four - Know this before Investing When we go for Investing, we just blindly putting our money into some products that are ready to sell. We are not aware of the basic analysis about the term, Money or Finance. But still, our goal is to achieve a good profit on expectation. One can put their earned or reserved money into financial products, stocks, real estate property or any commercial things. Here are the four important things you should know this before invest it. Fantastic Four (SLRT): Safety Liquidity Returns Tax These four things are the primary that one should follow, before investing. For Instance, if i am going to put my money in a bank deposit - What about the safety of my money ? We need the least thing of Capital Protection rather than Capital Appreciation. I am not telling the Capital Appreciation is not important, but Protection is the primary one for anything. The Liquidity is nothing but, a cash - If i need my money that deposited, i want to bea

Top 5 Large Cap Funds to Invest - 2018   Indian Stock Market is at it's high. Traders are eagerly continued for the Bull and the investors are awaiting for the market correction. Recent quarterly results are for most of the companies. Indian market beats on every expectations - Greece Crisis, Brexit, North Korea, US rates, Trade war. So on every panic, the market simply boosting itself to the upward. The upcoming week have also some sentiments like Trade war, Dollar - Crude movements, and the expectation of quarterly results. As a participators in the Financial market, we even don't know why this happening and the why the other countries expecting India in the market. But, it's an opportunity cost for everyone who utilized too. Market gives a great opportunity with a different aspect called, 'Mutual Funds'. So anyone can participate in the market who not knowing anything about the Market analysis. But again, i am telling you Mutual funds will not reduce or protect f

20 Common FAQs on NPS(National Pension System)   National Pension System (NPS) is a Voluntary Defined Contribution Pension System, initiated by Government of India. It is also called as ‘New Pension Scheme’ as the Government decided to stop the Defined Benefit Pension system and started this NPS for all its employees who had joined after January 1st, 2004. At the early stage, this new system launched only for the Government Employees under the Govt. of India, and then it was opened for all Citizens of India. The NPS is nothing but, a pension cum investment scheme, where a little contribution made by the Employees and Employers like a Provident fund in a NPS account and it’s just planned for the long term retirement fund. The derived amount of contribution from both the employees and employers would be invested in a market based fund and returns were also depending upon the market and deliver in the retirement stage. The NPS is regulated by the Pension Fund Regulatory and Development A

Factors which decides on your Investment Decision   “ ……… are subject to market risks . Please read the offer document carefully before investing . ”   Everyone knows about the Market risk on their investments and try accordingly. But, in an open space, most of us manipulating the term, "Risk". We know that Insurance is not an investment, it just protects our wealth. Still, we are making a wrong decision on Insurance, on behalf of Investments. We are telling ourselves that we don't have a time to read the offer document carefully, but not really caring itself before or after Investments. Still, it's everyone's choice to making a decision on their own. There are few factors that may help you to get into the Investment Decision making, with carefully. It takes with the four important factors are: Needs Goals Time Returns If you need to buy a home, then your goal may be a XYZ worth home and plan to acquire in the next 10 years and how could enjoy with yo

Creating Vision, Mission and Goals for your Business   An Idea can gives you the creativity business. Execution can give success more than an Idea. Still we are finding ourselves about the business, that we are going to start or already done. Business needs its value more than the money. Yes, everyone feels in their heart that the money is the primary factor on starting the business. But, we need a value for our business. The value is nothing but it's an appearance, what we say like Vision, Mission, Goals, Statement for our business. The Appearance for a business makes it different in the society, not only in the value but a trustworthiness. Mostly for any business, the value appeared or referred to as VISION, MISSION and GOALS. VISION is nothing but it's a perspective, what would you want to be or where you want to go ? A Future one and it needs to be a primary one for the business. If my business is a Service oriented, then what thing i can provide in the future by the busi

How to develop new ideas for your business ?   An Idea is the seed of everything, as we are living in a not only in the technology world. But we are in the worth of ideas like Artificial Intelligence, Virtual Assistant, Robotics and finally we are here with Automation now. Everyone needs an idea is the reason to start their business or just startup. However, Idea is a Psychological one and it's a mental representation consists of different objects. An Idea is also derived from the dreams you had. Still, a person finds a stage that how i have to develop these ideas for the business. Let's see how it comes here.   Developing of New Ideas: Take a Shower bath and be ready with a note book Write down your ideas (Not only Business) whatever you feel or think or like . You should take time to note your ideas and a crucial one. Take a Screening process with Macro and Micro scenario. One needs to check their new ideas with macro and micro elements, so that you may need for the raw mate

The Purpose for your Business Startup   Do you have a purpose for your Business Startup ? The Purpose of business is to help to grow and attain its objectives. Our aim should be minted with Specific, Measurable, Achievable, Related and Time bounded. We really want a purpose to starting a business. There are so many ways to starting a business, but an idea or purpose is to be set before the begin. Here are few simple things to start, For Instance, you have a purpose of being Financially Independent or Donor or Problem solver. You cannot tell simply as i want more money. You just need an idea or purpose to start your business. Being Financially Independent is a purpose and on the same you need to create a Goal for your purpose. Like Creating a passive income while sleeping for your purpose to be financially free. After your goal of creating passive income, analyse how would you to start to generate a passive income opportunities. Being an Entrepreneur or Online Entrepreneur is your optio

Health and Wealth - The Investing Buddies   While planning for the Asset Allocation, we have a sections of assets - create diversification by dividing assets. Diversification is an important factor on Investing, the Investing strategy looks like how we take care of our health. Similarly, Wealth is equal to our Health. If we look both these, it mostly suggests a better reason why we need it all times. In a Financial term, there are two friends and two enemies were working together. Power of Compounding and Equity Investing are the two friends. Inflation and Taxation are the two enemies for everyone in their financial life. You know neither or not, there is a sharp knife that hurts your dream - It's Inflation . Recently we know that taxes were disturbing Long term capital gains on equity, after the Budget India 2018 announcement. Here, we can see how the Health and Wealth correlate, Health Investing vs Wealth Investing:   Health Investing: Getup Early is the key factor for a go

Why not 100 percent in Stocks ? “In the short run, the market is a voting machine but in the long run, it is a weighing machine.”  Benjamin Graham The British born American Investor and the Father of value investing, "Benjamin Graham" said the above quote that how the Market reacts as a machine, so which one you need. He also advises you never to had more than 75 % on your total assets in Shares. It is not advisable for everyone to making a whole in the same financial asset. You should diversify it to reduce the risk. You are one of them, if you - Have set aside enough cash to support your family for at least one year. Will be investing steadily for at least 20 years to come. Survived the bear market when it starts Did not sell shares during the Bear market. Bought more shares during the Bear time. The Investor should aware about the Market Fluctuations and also the possibilities. Then he should be prepared for them both financially and psychologically. On Inve

Mobilize Investment Opportunities - How it works for me     We are talking about Savings and Investing together. On the part of money, it's not about the same. Savings is a simple method to putting your money in a low risk instrument or nothing. It may yields some, but not as strong to beat the inflation. Your target is to make secure on your money. However, Investing is purely a risky one, a chance of losing your money at anytime. The Return on Investing gives a Risk - Reward consumption. Beating the inflation at a great and aware about the Knowledge of Investing. Everyone puts their money into the Budget Planning today and waits for the 'NULL'. I am saying that they are ready to prepare for the budget , but not planned to save. One of my Tech friend, telling his budget planning from X (Income) to Y(Expenses) - But he committed not to save. So, Where is the Y (Saving) ? Everyone is saying not having money to save or invest. Then, what about your Survival of the fittest ?

  10 Smart Ideas to learn - Young Entrepreneurs   I love the Inspirer and the inspired quotes behind them. Everyone needs a motivation while we felt bad or fall into the trap. We just need that motivation, but we are not just wanting. We know how the kid's smile is. On that way, we need the motivation and we cannot force the kid to smile. It's the creature of nature. Motivation is also gives a self confidence, with rich content. Recently, i had posted about the herd mentality - the behavioral bias. You can get and love the inspirer as you need. But don't follow the influencer that you cannot reach your Needs vs Wants . I am always recommending you, Just get and love the inspirer on his words. Don't follow the influencer or even the man quote the inspired words. It's your life. Do it yourself (DIY). If you need a word of motivation, you can take it outside. We just need to love. I had being inspired by so many quotes, like Warren Buffet, Peter Lynch, Steve Jobs, S

  The Herd Mentality - Behavioral Bias - Value Investing   By whom, you got inspired in life ?   Many of us, heard this above one and i could not know how many were really inspired. Some one tells, ' I love this man Mr. A ', and the other one, ' S he is absolutely a fabulous person ', ' He is my inspiring leader and motivator '.  Got Inspired is a special one, when you follow a person, who already got succeed and this may help to quick up your life - Financial or Literate . No doubt, Inspiring is a special one on thought. But, have you influenced by someone or something ? The worst trap of  these days is just influencing by misguide. There are lot of Media exposure, Social Networking that easily influenced everyone to nothing. Really, no need to compromise on this regard. Some one just throwing the useless information to the public, that leads to the herd. May the Influence using this to get rid for publicity, defamation, spoilt the competitor's brand, or

  7 Business Filters before starting your startup   Everyone as a human runs behind the business and money in this Digital - Automation world. I mean that the business is like a job for someone and a passion for the other one, but its all about happening today with the ease of Information technology. Most of us, not just hating the present job, it's just like to starting a business is a fashionable way.   So, can we quickly jump into the pond of business world ? Being an Entrepreneur is not a easy word to pass, it's a lot of ability or work to build the trusts, relationships, feedback or emotional. To continue this great journey, we need to filter with the way before starting our Business / Startup.    7 - Seven Business Filters before starting your startup:   Choose a Effort based business. So, we have a confident to push on failure times. Build your startup with a low capital or investment and it should be ideal.   Get Innovative, but it should be reach to the consum

Way to plan for the Retirement Modern lifestyle hungers with the Job and Money. Everyone needs and stands with their Retirement. Google.com also responding more for 'Retire Early' than 'Retirement Planning' . So, Retire Early is a kind of word, but plan for the retirement is so important today. As we are growing gradually, but the tech Gadgets and our Expenses are growing rapidly. What about the Retirement Planning ? It is an Obvious plan, ensure that you have a sufficient money or income to meet the expenses, when you are at the stage of retirement. The most common goal for everyone's at their retirement stage is a regular income to meet the expenses, (i.e) Pension or getting a regular cash flow from the created corpus for Retirement. One must go to achieve this, they should Save and Invest. It's not just saving, but Investing it. The Regular savings and Investing at early stage and will give a regular income by the Created Asset or Corpus.     (Image courtes

How to play Rich Dad's Cash flow Classic Game - Step by step idea I heartily loved to play games in the ground as well as on my PC-Mobile, especially with cricket. When i was changing my focus on Personal finance, i searched a lot of games related on finance. I had downloaded few more App games with a word, ' MONEY '. But, it was not filled up my brain. Finally, i got a game which one gives not only entertaining, but also provide the Financial awareness. Rich Dad's CASH FLOW CLASSIC GAME: Already, i had an experience with Robert kiyosaki's RICH DAD POOR DAD book. So, i have a little eager to visit the game. I was noted that the Cash flow game app for mobile costs a little bit (Around  ₹  180 /-) , but the Rich Dad website presents a free ' Cash flow classic ' game for PC. So, i just registered on Richdad.com site and tried it a while. Rich Dad's Cash flow game concept is get addicted, not only as a game - it gives you a detailed knowledge on Personal

My Portfolio - Stocks - Updated on Nov - 2017 " My Portfolio " - I am preferring to buy the stocks through Value Investing (Fundamental Analysis). Here-now, i wish to report my portfolio - Stocks which is updated on November, 2017     You can notify that, my investment goes in different sector like Banks, Pharmaceuticals, IT - Technology, Automobiles. I have been heavily invested in Technology about 40 percent with the shares - HCL and Infosys (Infy) and the lowest in Paints with Berger Paints - 1.75 % I am also looking to invest in Energy, but not now with the current valuation. Result Session:   As on November 30, 2017 - My Portfolio (Stocks) returns with 10.22 %  (2017-18) Past three years (Financial) returns are: 10.43 % (2015-16), 12.51 % (2016-17), 10.22 % (2017-18). Currently, 8 of 10 stocks are Advanced (Profit) and 2 stocks are declined (Loss). On my stock portfolio, NALCO performed with the highest returns of  ( 106 % ) on my investment and the