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Demat Holdings

Posted by VRIDHI on 28/10/2015

Attention, Clients of VRIDHI

You can see your Holdings on the CDSL website.

On right side of the screen you have 01.Customer Logins, click *Demat Account under that.

On the new screen you will have To Register for easi – Click Here, follow the steps and create your User Name and PW.

*Note: Use only Internet Explorer or Mozilla Firefox.

You can also download the Mobile App and carry your holdings statement where ever you go.

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VRIDHI Connect

Posted by VRIDHI on 23/05/2015

VRIDHI services Indians residing across the world!

You need not worry about Geographical Location to avail our services!

E-Mail Alerts Subscription: See on Left of your Screen


75% of the postings on each of the above networks are unique.

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Posted by VRIDHI on 14/04/2015

Want to Invest Systematically and Create Wealth?

Choose SWC Plan, Invest in Stocks or MFs

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Participate in the India Growth Story with as low as Rs.500/- a month!

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Plan Today

Posted by VRIDHI on 18/06/2014

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Want your Family to be Happy With u & After u?

is what you require! Click Here

*Kindly ignore, in case you don’t Love your Family!

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Invest Confidently

Posted by VRIDHI on 05/06/2014

Small Investor? Don’t Worry!


With MFF service, even a Small Investor can get the Right Advice and invest in Stock Market. Click on the MFF Logo for all info

Large Investors can avail PortfolioVRIDHI and InvestorsARCADE service. Look at Section-3 on right side of your screen.

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Happy Diwali 2015

Posted by VRIDHI on 09/11/2015

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BJP routed in Bihar, what to do with your Investments now?

Posted by VRIDHI on 08/11/2015

Politics can also be named among the toughest profession’s a person can pursue. Political careers can be made or destroyed overnight. After winning Lok Sabha polls in May’2014, BJP led by PM Narendra Modi ji won 5 more states one after the other. Then came Delhi polls, Delhi defeat was more of a strategy than defeat.

But Bihar was very critical. A victory of the ruling coalition at centre would have been a morale booster for the Economic and Investment climate. We all have seen how the opposition with its evil design and motives crippled the functioning of the last session of parliament for frivolous reasons. Iam terming the reasons as frivolous, since no one even bothered to file a FIR or register a case against whom the opposition was protesting. If they were not worth even for a FIR then why hold parliament to ransom for such silly things?

Generally oppositions become hindrance to the governments when big issues erupt or huge propriety issues emerge against the government. In normal circumstances governments are not let to perform in the final stages of the term. But this time the government was disturbed in the very first year. The evil design was not to let any bills pass so that the growth does not come back and people should soon start questioning where are the so called Acche Din?

It’s ok for them, if the country has to suffer in the process. Most of the media and so called liberal society has been speaking against the government since their funding through several organisations has stopped now. Most of them have come under the scanner of FCRA and Money Laundering acts.

Hence anti government agenda was continuously run on the main stream media for last three months keeping Bihar in mind. The coming together of all enemies to fight one party in Bihar proves the point.

Now the question is will Bihar get a stable government? Iam sure Nitish Kumar ji’s life as CM with support of Modi ji would have been more peaceful than the nightmare’s he may now have to face with the support of stronger Lalu Prasad ji, who also has more number of seats than him. Bihar seem to have voted for caste system than for development.

So what does the future hold for Indian Economy and Indian Stock Markets? The latest news is that the Stock Exchanges have enhanced the risk management systems for Monday’s opening. The drubbing of NDA in Bihar is supposed to have a negative effect tomorrow. Analysts are negative, some of them are even pledging for a 10% gap down. Nonsense! Some of these analysts are doing similar job in markets what some presstitute’s have been doing in political arena.

So what can happen?

Victories and Defeats in politics is never permanent. Strong BJP never imagined it may lose and Lalu was desperate to revive his party’s future which had almost died totally. In India elections happen almost every year and not that the then ruling government at centre always won all assembly elections. Yes, I agree that opposition will get more aggressive and may try to cause even more hindrances.

But then if they continue to stop bills like GST, the tide may turn against them in future elections. People can be stupid in one or two elections but they cannot be fooled forever. The government requires numbers in Rajya Sabha to push the Development and the Reforms agenda. The Rajya Sabha mathematics is being used to block all the work the democratically elected government wants to pursue.

The Bihar defeat is a sentiment loss, but then the ruling government loses just 2 RS seats. They will anyways be gaining from the other states they had won in last 15 months. Just 2 seats loss in RS will not lead to very deep cut in Sensex or Nifty.

The motor mouths who were providing fuel to the media and opposition may have to get silent now, or they may be silenced now. Either of the things happening will be good for the country. The PM, who has been working for 18 hours a day may get even more aggressive now and the government may push the reforms agenda more aggressively.

Lot of things can be done by the government with the executive powers they have, not depending on the tyranny of the RS hurdle creators. For example Railways alone is planning to invest over 5 lakh crores in next 5 years! The investment climate can still be pushed ahead with more focus on Make In India project. We have already seen that many companies have already taken the initial steps to start manufacturing in India.

We at VRIDHI feel that a BJP defeat is already factored in the markets. Except one Exit Poll all of them showed what was feared today. We agree that such bad defeat was not predicted hence we may see a cut of 2-4% on Monday. A week later the market will forget this event totally and would start again focussing on Growth, Economics, Development, Reforms and Earnings. Infact our PM has a big event lined up in London this week itself and 60000+ people are likely to attend it. This will send some confidence to the global investor’s community and will surely unnerve opponents here.

We thought Bihar may give Diwali Gift to the investors today. We would have seen a sentiment boost in case NDA won. But then as we said mentioned earlier, the defeat was factored in and hence, in case a panic sets in tomorrow, use the opportunity to Buy and Gift yourself a Diwali Bonanza. We will not be surprised if a recovery is seen and the Bears are squeezed during the day.

Not mentioning any levels or numbers here for tomorrow since the market will be sentiment driven and all logics will be sidelined. You can stay connect with our fb page: www.Facebook.com/teamVRIDHI/ for updates and also connect with me on www.Facebook.com/VKarwa/ for all types of updates and fun included.

We at VRIDHI wish you all a VERY Happy and Prosperous Deepawali. God will surely give you all strength to Sell Evils of your portfolio and Buy stocks which will bring Goddess Lakshmi knocking your doors.

‘Happy Diwali’

Always at Investors Service

Vivek Karwa


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Hey Doctor, it’s Time you Save the Life of your Money

Posted by VRIDHI on 18/10/2015

‘If you don’t Respect your Money, it may say you a Bye very soon’

In schools children are often asked what they would become when they grow up. These tender aged kids don’t have any clue about life, or the struggle which they have to go through to earn money once they grow up as adults. But what do they answer to the asked question? Top answers are: first is Doctor, and second is Scientist.

So what makes the word doctor come on top of the mind? It is one of the most respected professions in the world, respected since you doctors save lives of people. After god, if there is a set of people whom individuals trust most then that’s the doctor fraternity. Children are born in the hands of doctors and then they see you people very frequently for at least next 3 years in the name of immunization. Thus the relation starts very early in life.

Few of the reasons apart from the above are:

1. People perceive the doctor profession as High Income Generator.

2. Doctors have No Retirement Age, hence long term Earnings!

3. Easy employability.

Now let’s come to few hard facts. Like there are good and bad one’s in every profession, there are good and bad doctors as well. People perceive that doctors have become businessmen, and with emergence of corporate hospitals, they too run the show with targets. And every test the doctor writes, even if it’s with most genuine concern, people start calculating the commissions the doctor would get from the laboratory or the diagnostic centre.

Why do people think this way? We all know the system. The upfront money which needs to be paid for a medical seat is enormous. Not your fault, but people assume most doctors are busy recovering the capitation fee money along with interest.

These feelings can’t be changed overnight. As Certified Financial Planners we trust that doctors can earn back the money with Sensible Investing of their hard earned money. We believe that doctors are the most respectful people in the society. Though not a doctor myself, let me, for the benefit of all those who may be reading this article, describe what a doctor goes through before becoming a respected Medical Professional.

A doctor after spending first few years in the college, start their basic career as a junior doctor in a hospital reporting to a senior. Many years of hard work is put in as a junior doctor, and during this phase how much do the junior doctors earn? Peanuts! To be blunt many a times the salary is not even equal to a bonded labourer. But the sacrifices are immense. The personal life is almost negligible, an emergency can happen any time and you always, just like army and police personnel be ready to report for the benefit of your patients.

Most of the initial years are spent like this, the process of acquiring knowledge goes side by side and hence most of the time is spent either working under a senior, or studying or just being around the patients caring for their well being. Hence, in the process of Patients Fitness most of you forget the Financial Fitness of your own. We at VRIDHI can help you in your Financial Fitness.

You may ask us, why write an article and target doctors? The first reason is that we at VRIDHI are dedicated to help all those people doing good to the society and you doctors do come in the list, secondly it’s due to the respect of ours towards the doctor fraternity, as mentioned above, further due to the mistakes doctors have been making when it comes to Money Management and after experience of over 15 years, we do know how many of you have been taken for a ride by unscrupulous advisors.

Thus we believe in you and you can believe in us. VRIDHI is here for your good, it is finally up to you to trust in what we are saying. If you trust us we can be of great use to you and if you don’t, well nothing changes. Carry on the way you are right now.

For those who think we are making sense, let me point out certain things with doctors which I have seen. If you are on right track then fine, else you can do a course correction with our assistance. Simply put we can be your Financial Doctor!

Diagnosis of your own problem first:

With each level of seniority, we have noticed that the confidence level towards investments increases with the doctor. Doctors have high level of competence and hence they also think they know how to invest their hard earned money. We term this as over-confidence. Agreed you are best in your domain but when it comes to investing money, you require experts in the field of advisory. Will ever a Cardiologist do a job of Pathologist?

Trust issues:

Not an issue actually, problem is of blind trust. Since you are a go-getter, hard working and competent, many doctors end up believing that whoever comes to them with a service also carries similar credentials. It’s high time you start scrutinizing.

Time Dedicated:

Due to busy schedules, you can devote least possible time to your own investments. You need advisors with solid foundation. You cannot be looking at your investments and various options yourself. Unless your advisor is multi faceted, don’t deal with them. Haven’t you come across people trying to sell you Only Property or Only Mutual Funds or Only Insurance or Only FD? Just imagine if you start prescribing Only Crocin to all patients, what will be your value?

Financial Mistakes:

There is huge problem of knowhow on various investment options available among doctors. We have come across many doctors invested highly or fully only in one selected product. This way even getting a return beating inflation becomes impossible. When you go to a restaurant, do you eat just one item? You may choose few of them as per your tastes and preferences. Similarly when it comes to investing, you need to choose the services which suit your life style well.

Start Early, Create a Habit:

The day you start earning your stipend you should start investing in a proper manner. Approach your advisor or just call us, we will help you out on it. A good earning doctor can retire himself/herself very early in life by creating all surplus money required for rest of his/her life. Imagine you have all the money to live rest of your life but continue to work as a passion to serve people. Believe us, there will be no shortage of money when you do this.

Do approach an advisor for you investment needs. We don’t say that you need to call us, but we surely wish you call up someone good who will work in your interest. In case you decide to approach us, you are free to do so. If you want just a seminar in your hospital, we can do that too. Your Geographical Location just doesn’t matter for getting the right advice.

Your Financial Doctors,


Vivek Karwa

To contact us Click Here.


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Will Indian Stock Markets go up again?

Posted by VRIDHI on 04/10/2015

Profits earned over last one year have suddenly turned into losses over the last two months. Use this melee in the global markets to add on stocks to your portfolio.

In the New Year post of MarketFastFood, we had mentioned that the yearend target for Sensex can be placed at 33600 – 35000 and before reaching the target we may see a resistance in a range, the upper figure of the range was 30006.

Market was very kind to behave, as precisely as mentioned by us. Not that this was first time, market in the previous occasions has again done exactly as we said. We are thankful to the lord for the silent guidance in studying the markets.

We had said 30006 and what did the Sensex do? On 4/Mar/2015 it hit 30025, tested the upper figure of the mentioned range and fell down. Frankly we didn’t imagine that market would correct so badly. VRIDHI has few jealous competitors out there and hence those people will be saying to themselves that: there is a difference between 30006 and 30025 and hence how can you use the word exactly? We would like to mention here that on an index of 30000 +/-300 points will also be termed as exact. We were very close though!

We will talk on the yearend target in the next post.

Coming back to the point, market corrected fiercely and we saw a low of 24834 on 8/Sep/2015. People who entered markets after 2008 saw a single day correction of 1500+ points for the first time. Seasoned investors are aware that such types of movements occasionally occur in the markets. But, investors who entered in 2009 and later years may be in a state of shock.

We almost tested the pre Modi victory levels. Meaning all the gains of past 12 months got wiped off and the portfolios which were showing profits are today back to square one and some of them even at negative levels.

The most common question we face today is: will market ever recover? Is it time to invest further? Or shall we sell and take out all our money?

What were the local factors behind the fall and what were the global factors?

The first local factor which spooked the market was the MAT on FII’s issue. The government could have avoided the controversy and the finance minister should have in the budget speech itself announced that MAT is not applicable on FIIs which do not have representation in the country.

We don’t want to comment on whether the goof happened due to lack of experience. Anyways the issue was resolved quickly and the FIIs are now exempted from April 2001.

The second factor was the Non Passage of the key reforms bills. The land bill was scrapped due to misinformation which was being spread by vested interests in opposition benches and the GST was blocked by some parties just for sake of opposing the bill.

It is just a question of time that GST will be passed since, people have started putting the pressure on those opposing it. Not that GST is the sole thing which will help India grow, just that it will speed up the process.

The final most important thing which has been a worry for the market is the deficit rainfall. The monsoon season has officially ended with a 14% deficit.

Are these problems a cause of BIG worry? We don’t think so. With passage of time all things will be set right. All other macro factors are in favour of our country and the policies of the government are on right track. If they continue working in the current way, we are sure we will be much higher than what we are today.

The major global factors have been on account of ailing dragon i.e. China and the slump in commodities market.

Well we don’t want to deliberate too much on global factors since we feel every problem outside India is actually Advantage India! Sounding selfish? Yes we are, and nothing wrong in thinking about the country. It’s time Bharat ruled the world.

So what should we do now? Buy Sell or just wait?

Investors with time horizon of 3+ yrs should not wait. Just invest. We will see Sensex and Nifty close to double from here in next 4-5 yrs. The government looks committed to growth, we as analyst can see what is happening. Yes, too much of efforts are being put in by the media and the opponents to divert the attention of the people. Will people get carried away is something which we need to wait and see.

Will the volatility continue? Yes, it will. Global conditions will not let us live happily. Internally the market will watch the upcoming Bihar elections very closely. If the current dispensation in Delhi is elected in Bihar, throwing out the so called grand alliance, we will see a sudden spurt in the sentiments. A defeat will temper down the blockage policy adopted by some parties and a bad defeat will force them to start talking growth.

Thus, on Nov.8 we will come to know if Bihar gives us Diwali gift or not. Hope sense prevails with every voter.

India is hungry for growth and no one should become a roadblock.

Finally, we are bullish, so should you be. Are you an existing investor? Then Invest More! Are you thinking of investing? Then Invest Today!

Take help of an Investment Adviser. Picking right companies is the key and hence don’t dabble with your hard earned money yourself. VRIDHI will always be pleased to help you.

At Investors Service


Investment Adviser and Wealth Creator

WhatsApp: 9551110505


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