Certified Personal Financial Planners Money Investment Advisors and Retirement Planning Chennai Bengaluru India

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.

Posted in Notices/Announcements | Leave a Comment »


Posted by VRIDHI on 14/04/2015

Want to Invest Systematically and Create Wealth?

Choose SWC Plan, Invest in Stocks or MFs

Click Here for the details

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

Posted in Notices/Announcements | 1 Comment »

Plan Today

Posted by VRIDHI on 18/06/2014

Want to fulfil all your Dreams? Love your Family?

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!

Posted in B. Financial Planning | Leave a Comment »

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.

Posted in Notices/Announcements | Leave a Comment »

Investors Awareness Program

Posted by VRIDHI on 10/06/2015


Best Financial Advisors Consultants Chennai Bengaluru, MarketFastFood, Market Fast Food, VRIDHI, Vivek Karwa, Freelance Speakers for Broking Houses in Chennai, Freelance Speakers for Colleges and Private Classes, Stock Market Seminars Chennai Bengaluru

Posted in Notices/Announcements | Leave a Comment »

Few Words on Market…

Posted by VRIDHI on 25/05/2015

by Vivek Karwa, Certified Financial PlannerCM

150525 – Writing this article on the 365th day of the new dispensation at New Delhi. A year has passed since we heard about any major corruption issue at the top level. Many people keep saying that the corruption is still present in the country. Yes, it is present and will continue to be present for long time. The positive thing is, it is atleast not present at the top which was hurting the image of the country past few years. Whoever is heading the government should have a clean image and intentions.

The market has been volatile as expected. The overly ambitious expectations which people were carrying in the minds has tempered down now. We are in a state of economy which is poised to grow, but grow steadily and not due to some booster doses which do not last longer. If India has to grow, the foundation has to be corrected now and which seem to be happening.

Investors, particularly Indian investors still have huge doubts if the country and the market can actually grow in the balance 4 yrs term of this govt. One needs to have faith on the structure of the country and the abilities of the entrepreneurs running both small and large corporations. We have the ability to adjust to any economic condition and laws. And if we can get a clear, firm and government with certain direction, we can do wonders.

World leaders have turned bullish on India. Companies across the world are eager to set up base in the country. Most big, world leaders and CEOs of large companies have already visited India and met the administration. Name a rating agency, and they have already hinted that the country ratings may be improved if the present things improve further. Indian CEOs are turning positive and are ready to give some more time to the demand to pick up.

This will result in the improvement of both prices and participation in the market. Hence, one needs to be patient and remain invested and keep adding as and when the market corrects. Indian investors particularly lose out on the rallies since they enter late. This may repeat this time also. But we the participants in the market need to spread the word that one should start investing at least a portion of their savings to create wealth over a period of time.

SEBI is contemplating increase in the lot sizes of futures contracts in order to curb the participation of small and risk averse retail investors. It is a welcome move. Most of retail investors who lose money in the market is on account of this segment. If one invests for longer term in good quality companies they will surely end up making money and not have to go home with bad memories and heavy heart.

A small investor, rather any investor should always do their homework before entering in the market or the individual companies. Most don’t understand macro and micros and go with herd mentality. Such investors should always go through an adviser or through managed funds like mfs. Risk can be considerable reduced if you know exactly what you are doing.

Understanding every sector is also critical to investing right. As and when the economy picks up, expect the Banking, Capital Goods and Manufacturing companies to do well. These are sectors which have to naturally grow with the economy. One needs to know that when Index goes up it does not mean every stock also should move up. It is not pre 2008. The investors have matured a lot since then.

This Article will be Printed in the Investors Digest Magazine of TamilNadu Investors Association (SEBI Recognized)

Disclosure:- It is safe to assume that the author may have interest in the sectors recommended in this news letter. Seeking personal advice from your Financial Advisor is recommended before acting on any of the substance given herein. The numbers, figures, etc., presented may have been taken from various sources.


Top Best Financial Experts in TamilNadu Chennai Bengaluru India, List of CFPs in TamilNadu Chennai Bengaluru India, Individual Financial Advisors Chennai Bengaluru India, Independent Financial Advisors Chennai Bengaluru India, Certified Financial Planners India, Certified Personal Financial Advisors Planners Chennai Bengaluru India, Money Investment Advisers in India Chennai Bengaluru, Fee Based Top Best List Certified Financial Planners TamilNadu Chennai Bengaluru India, Financial Planning Companies TamilNadu Chennai Bengaluru India, Online Financial Planning Advisers Chennai Bengaluru, Financial Advisors List in Chennai Bengaluru

Posted in Print Articles | Leave a Comment »

MFF – 150511

Posted by VRIDHI on 11/05/2015

The Sensex and the Nifty gave unexpected returns since May’2014, after the BJP led, NDA led Narendra Modi government came to power. The situation has changed, portfolios which were in dark green seem to have been painted with red. Market has corrected and as usual new entrants who came into the markets just in past one year are thinking have they committed a mistake?

What happens when there is an electricity failure at your home in the night for just two hours? The night becomes darker, you feel as if hell has fallen. Then one of you from your family lights a torch or a emergency or just a candle. Suddenly in the dark you feel a sigh of relief. Though the power has not returned, you feel as if things have turned for positive!

Our Indian economy had passed the same phase. We witnessed a decade of miss-rule with corruption as the main agenda led with personal agenda of each minister, which led to infighting within ministries, leading to emergence of various additional taxes which were to be paid in suitcases to get anything and everything moving in the stalled economy.

Iam particularly very angry with the last government’s 10 year miss-rule since it ruined my peak career period. One can say the peak career period of any human being is between ages 25 to 40. This is the period when one can work hard beyond the physical and mental capacity, since the age is on our side. Very few yrs are now left for me to cross the above age bracket! Whatever Iam today, is on account of my own hard work. Had the government, which was supposedly led by an economist, performed its duties properly, I would have been atleast 5x of what Iam today!

What is happening now? These people were rejected badly by the masses, who have given the torch to a new person, person who has proven capabilities as a CM for many terms, to perform and light the dark economy back to brightness. He has to perform, he has the mandate to perform but the same people who were rejected are trying to cause hindrance at every stage. They are taking help of lies, frivolous and imaginary arguments, misguiding people so that a person who has credibility as a CM and now has become the PM can be dethroned and their prince who has done nothing in life till date can be made to sit on that constitutional chair.

Coming back from the first para… the Sensex and Nifty have corrected. If you have entered into the markets for the first time with no previous experience, please don’t think you have committed a mistake by investing in India story. The #ModiSarkaar will complete its one year in office in the 3rd week of this month. The dust seems to have settled now, the unreasonably high expectations that the economy will recover in the first year itself seem to have got tempered now. This is actually good for the markets.

You can read the latest two articles which got published in ToI website on what KV Kamath has to say and Rajeev Chandrasekhar article. Both can be read on my facebook id www.facebook.com/vkarwa/

The opposition is trying to halt every move of the government so that the growth doesn’t come back. The biggest examples are the GST and the Land Ordinance. The opposition is trying to paint the government as anti farmer and pro corporate. They seem to have forgotten that internet is a great tool today and they cannot stop the right information to flow to public. Will they finally succeed in painting the government anti farmer and anti poor or not is a different subject, but they have Already painted themselves as Anti-Growth.

The Land Bill was passed in a hurry in 2013, purely eyeing on elections. BJP also committed the same mistake since they didn’t want to appear anti-anybody. Then after the government got formed, even the opposition ruled state CMs started cribbing that the flawed law passed by their high command will lead to chaos. Hence the changes in the land bill was necessary.

What has been included in the land bill? These are:

(a) such projects vital to national security or defence of India and every part thereof, including preparation for defence or defence production.

*Defence if for safety of the country. It cannot be anti poor, anti farmer or pro corporate.

(b) rural infrastructure including electrification.

*The rural says it all, it’s not urban. Poor live in rural areas or Adani’s and Ambani’s?

(c) affordable housing and housing for the poor people.

*The definition of affordable housing is houses worth less than Rs.25 lacs. Does the opposition mean Adani’s and Ambani’s will live in those houses?

(d) industrial corridors set up by the appropriate Government and its

undertakings (in which case the land shall be acquired up to one kilometre on

both sides of designated railway line or roads for such industrial corridor).

*If we need to grow we need to create industrial corridors. This only can stop migration of rural population to cities!

(e) infrastructure projects including projects under public-private

partnership where the ownership of land continues to vest with the Government.

*Anyone except the opposition parties in India have a doubt that India needs infra? Even opposition knows it but there aim is selfish.

In spite of all these if the opposition feels its anti blah blah.. there’s a section in the land ordinance namely: Section 10A(1) which reads as follows:

10A (1). The appropriate Government may, in the public interest, by notification, exempt any of the following projects from the application of the provisions of

Chapter II and Chapter III of this Act, namely:—  (Followed by all the 5 items mentioned above.)

Hence, the opposition can say: let NDA ruled states implement the bill and our states will use the power given and not let the bill get implemented in our states. They cannot say this… since the states implementing may show growth and their states may lose out and hence they may lose elections!

Thus it is in their selfish interest to create an anti-blah blah impression in the minds of public.

I believe my country, our country Bharat can get to the No.1 spot in the world. If we need to beat mighty China we need growth. Growth can come only when more and more companies start investing in India.

Factories, Bridges, Roads, Dams etc, etc., need land, they can’t be built above clouds!

Yes, farmer plight and the suicides are a concern. But that’s not new! More than 2.5 Lac farmers have committed suicides during the 10 yr miss-rule also! Hence it’s a concern which needs to be dealt with separately. Because of this you cannot hold the country to ransom. You cannot kill the patient in order to treat a disease.

People in political circles are just worried that if growth comes back, they will never be able to ask for votes again. Hence keep India poor.

Please don’t take this article as political. Majority of market movements happen on account of politics. That’s the Hard Reality! Everything mentioned above are facts. If the Modi government doesn’t perform I will be the first person to criticize it. As a professional I need growth, my growth can come only if my clients grow, my clients can grow only if they have good opportunities in work and life and that can happen only if Bharat (India in English) grows!

Trust the country. Remain invested, GST and Land Bill alone can take market above 30000 Index easily. Market is in panic due to the personal agendas of politicians. But when the civil societies opinions become more clear these people will have to mend their ways. And I believe both, GST and Land Bill will be reality soon. It will be sensible on part of the Modi Sarkaar to give excuses later. They have other constitutional power to pass these bills.  Hence I once again say Invest, if you are scared to enter in one go use the Systematic Wealth Creation Plan: http://vridhi.co.in/2015/04/14/swc/

At Investors Service – Always


Investment Adviser and Wealth Creator

Contact Details: http://vridhi.co.in/contact-us/



Financial Planning for Single Parents, Investment and Financial Planning for Divorcees, Financial Planning Consultants for Single Mother, Financial Planning for Single Father, Financial Planning for Software Professional Engineer, Financial Planning for Doctors, Investment Advisors for Doctors, Financial Planning for Lawyers, Financial Planning for Retired Employees, List of Portfolio Managers Chennai India, Best Investment options Chennai India, Stock Market Training Classes Chennai India, best investment options in Chennai India, best investment plan Chennai India, best place to invest in Chennai india, top best investment plans Chennai india, good investment Chennai india, best way to invest money in Chennai india, MarketFastFood Subscription, InvestorsARCADE Subscription, VRIDHI Mutual Funds Wealth Portfolio Management, SWC, Systematic Wealth Creation

Posted in A. MarketFastFood (MFF) | Leave a Comment »

Are investors upset with the Modi government?

Posted by VRIDHI on 05/05/2015

Is the market really upset with the government for not doing enough for the economy?

Rajesh Kumar, Mint 29/4/15

source: http://www.livemint.com/Money/pLMaof1kYaywPfkYQwhvKI/Are-investors-upset-with-the-Modi-government.html

So far, the new government has done nothing but talk, and it is a shame because (Prime Minister Narendra) Modi had experience; he said he knew what needs to be done. He campaigned for many months saying he knows how to fix India, but he has done very little.” This is how veteran fund manager Jim Rogers, in an interview with Mint last week, assessed the performance of the Modi government, which will complete its first year in office next month. Rogers also added that he was getting disillusioned about India. (See: So far, the Modi government has done nothing but talk: Jim Rogers, 23 April.) Rogers is not the only one who is readjusting expectations; other investors, too, are doing so. The CNX Nifty, after touching an all-time high in March, is down about 10% since, and technical analysts are suggesting that it may fall further. So, is the market really upset with the government for not doing enough for the economy?

Many people in the market expected things to change dramatically after the Modi-led National Democratic Alliance government took office. In fact, the momentum in the market started building long before the first vote was counted on 16 May 2014. As a result, the benchmark indices gained about 30% in 2014, making it the best year for Indian equities since 2009. But in 2015, investor confidence seems to be dissipating, at least in some sections. Markets have fallen in recent days; the year-to-date gains for Nifty is almost nil. This is bound to make some investors nervous, especially those who came in late, and with hopes of making quick money.

However, the basic issue is that companies’ earnings haven’t matched the expectations of investors and analysts. The quarterly result announcements for the three months to March have so far been disappointing. An analysis published by this paper showed that the aggregate net profit of 101 companies that have declared their numbers fell by 9.23%, their worst performance since December 2012 (see: Fourth quarter results paint a grim picture, 27 April).

But this performance is not necessarily a consequence of what the government has done (or not done) since coming to office. For example, the uninspiring show by companies in the information technology business practically has nothing to do with how the government has performed over the past one year. The basic problem is that the turnaround in corporate profitability is taking more time than analysts had expected and, as a result, some investors are once again beginning to see other structural problems in the economy. “Even if Modi comes through, India’s bureaucracy is so entrenched, so powerful and so staggering. India does not have the education, infrastructure and work ethic that China does. India is a chaotic democracy—democracies can be extremely successful, but not chaotic democracies. In my view, India is not a terribly rational country. I would suspect more and more people in India will start to get impatient, and not just its youth who need jobs,” Rogers said in the above-mentioned interview. Clearly, these problems are not new, but if some investors expected these conditions to change in a year, they probably need to recalibrate their investment strategy.

Investors, overwhelmed by the Bharatiya Janata Party’s majority in 2014 election, had pushed stock prices and valuations in the expectation of big bang reforms and a possible cyclical upturn in company earnings. And both didn’t happen. On the economic reforms front, it is now clear that the government will move incrementally. In fact, the Economic Survey 2014-15 argued that big bang reforms normally happen in crisis situations. “Much of the cross-country evidence of the post-war years suggests that big bang reforms occur during or in the aftermath of major crises…. India today is not in crisis, and decision-making authority is vibrantly and frustratingly diffuse,” said the survey.

An incremental approach is not a bad thing, provided there is steady movement because in the end it all adds up. Investors can always argue that things could have been better, and they will not be entirely wrong, but it is also true that there has been progress on the policy front. In addition, lower oil and commodity prices have helped. But it appears that earnings revival will take longer than analysts have been anticipating. Crop damage due to recent unseasonal rains and the possibility of a poor monsoon can delay the process. This can also shift resources and government attention to the rural economy, which can affect market sentiment in the short run.

At a broader level, investors shouldn’t worry too much about the ongoing correction in the market as it will take out some froth and open up opportunities to buy good stocks at reasonable valuations. Seasoned investors, both domestic and foreign, would agree that India is a long-term story. Indian markets have satisfactorily rewarded long-term investors in the past and there aren’t sufficient reasons to believe that they won’t in the future.

In fact, conditions in 2014 weren’t as good as markets were portraying them to be and, perhaps, they are not as bad as some commentators are interpreting them to be this year.


Fee Based Top Best List Certified Financial Planners Chennai Bengaluru India Certified International Wealth Management Advisors Companies in Chennai Bengaluru India Stock Market Mutual Funds Tax Saving ELSS Consultants Advisors Brokers Agents Managers in Chennai India Vridhi Vivek Karwa Investment Advisors Consultants Chennai Executive Financial Planner Jobs Stock Market Finance and Mutual Fund Distribution Tax Planning Certified SEBI Registered Personal Investment Advisers Planners in Chennai India Rakesh Jhunjhunwala Portfolio, Financial Planning Presentations, Stock Market Tips, MarketFastFood Market Fast Food Money Advisors In Chennai India Financial Planners in Chennai India Financial Planning Companies in Chennai India Money Advisers in Chennai India Mutual Funds Advisors in Chennai India Investment Advisory Chennai Bengaluru India Systematic Investment Plan Mutual Fund SIP Mutual Fund ELSS Tax Saving Scheme, Good Speakers and Trainers in Chennai

Posted in View Point - Others | Leave a Comment »


Get every new post delivered to your Inbox.

Join 1,193 other followers