Have a strong heart in markets

In fact, writing this article after a long gap since we have resorted to Facebook Live videos and YouTube Live videos which most find it easier to listen to. But seeing the recent volatility in the market some investors have been asking for the views which can be read through and hence posting this issue of MarketFastFood and will continue doing it almost every week henceforth. So, stay connect with the VRIDHI website by subscribing for the email alerts and click the link to find all our social media outreach pages: https://vridhi.co.in/2015/05/23/vridhi-connect/

When it comes to stock market, they will always be volatile, ups and downs are part and parcel of markets and an investor must be mentally prepared to ride all the ups and downs in his investing life. That’s why you should not be coming to markets with less that 3-5 years. Yes, expecting to benefit from the volatility can always be expected by applying timing skills to some extent. But that does not mean you will always be successful and hence be prepared to ride the waves at times.

We at VRIDHI during past few months have been suggesting our clients invest in safer avenues and last Friday have started moving those monies to Equity and Equity Mutual Funds in a staggered manner so as to ride the wave upwards as and when it comes. Is this the bottom? Will try to ponder over that below, but yes, we at present have higher levels of safety than what was there few months back.

So what brought the market down this time apart from the high valuations? The market needs a reason to correct and this time the reasons are flowing freely nonstop that has battered market out of shape with many stocks hitting the 2008-2009 lows. Bad situation! Same was the case in 2008-2009 but then those who dared to invest and stay invested made a lot of money later. Hence though bad situation, a smart investor would use this opportunity instead of fearing and running away. Time to look at Stock Investments Seriously!

India was enjoying the Crude Oil price situation, the government was very judicious in using the extra cash which came by way of taxes for paying back the Loans and controlling the fiscal situation. Our bad luck that crude went up and Rupee also depreciated which was negative for the markets.

Then comes the news of IL&FS downgrade and default. Today, let’s focus on this topic alone. IL&FS got downgraded from the A category to below investment grade in one straight shot! Serious issue! A question can be raised even on the rating agencies on why they were sleeping till now. A company which has been enjoying A grade rating for 31 years got downgraded so suddenly catching all investors unaware.

IL&FS defaulting on their payments is not a small issue. With Rs.91000/- Crs of debt, if the company goes bankrupt, it can be India’s Leman Brothers event.

The good part is that the assets of the company are not bad. Most of them can be monetised and that’s why all major shareholders are ready to increase the stake in the company including the foreign shareholder. A Japanese company also has shown interest, and Aditya Birla group and other corporates have expressed interest in buying out the businesses selectively.

Hence, it is a matter of time that the money which was defaulted will be recovered back. Moreover being election year the Government and RBI will not allow such an old institution to go the Leman Brothers way. There are assets available, the issue which has cropped up is Liquidity. You may own 10 Bungalows, but when someone comes to know that you require money urgently, people will offer less than the market rates! Hence once the large shareholders pump in money and the liquidity problem dries up, sanity would return.

Hence, don’t panic, valuations this time are cheap in select Mid and Small Cap companies. The timing can make you good money, don’t fall prey to people who say buy and forget. Even IL&FS required tracking!

You can call us at VRIDHI anytime! https://vridhi.co.in/contact-us/


Vivek Karwa

For Investors Budget is a Non Event

Most investors (consider it’s you and we are writing this for you) suffer on one thing… You all plan for their life goals which are anywhere between 5 to 35 years away but start focusing on events which may or may not affect their investments in short term.

We at VRIDHI regularly plan for Long Term Life Goals of people, and then ask You to focus on investing in a disciplined manner. You invest for some months and as the fund values start increasing start worrying about silly things like budget and then start calling us. We are not blaming You for this behaviour, after all You are a human being and supposed to be behaving like this..! As Advisors it is our responsibility to unconfuse You, handhold You, solace You, and help you ride the ups and downs without any fear.

When you have an advisor you need not worry what’s going to happen in next few days or months, your advisor will take enough actions to ride the waves appropriately. You just focus on the goals and stop looking at the returns frequently. Not all years are going to be good or bad. Everything averages out in long term and if the advisor is able to create even a 2% – 3% extra over the average, be rest assured you have a great future. Please don’t underestimate this 2% – 3% it can’t be easily created if you try it yourself.

So what made me call Budget2018 as a Silly Thing?

It’s surely not a sweeping statement. Read the article which we posted on New Year Day. (Click Here to read it). We wrote a line… ‘knowing the politics of Mr. Modi, the freebie politics is not present in the blood of Modi like others’

Whole of January we have been hearing people say that the budget may be populist. In a recent interview to a TV channel PM himself made it clear that: it’s a myth that people want freebies and he will only do what is good for the country. So what we posted seems to be on right track and on Feb.1 it may also be proved 100% right.

Hence don’t expect stupid and uneconomic decisions like waiving off 70000+ Crs just to win votes. Yes announcing schemes to benefit Rural and Agri sectors which can lift them up can’t be termed as populist. We expect many schemes, to be announced being the last budget, if you can understand the scheme of things and invest properly, that extra return over and above average will not be a day dream. In the New Year article we said: 2018 will differentiate Men from Boys and will not be an easy year.

Earlier we were feeling that the general elections may be advanced to Dec’18 with elections in Rajasthan – MP – Chattisgarh. Now we are getting convinced that they may happen as scheduled.

Be assured that the 2019 Lok Sabha polls will be the Greatest Event on Planet Earth till date, much bigger than Trump winning US elections. 2019 election is going to be by far biggest thing we will see in our life time. The politicians will go to any extent for defeating Modi. Many would stoop to any level to win. With violence erupting in Rajasthan, MP and Chattisgarh, over the movie Padmavati, all these are poll bound states, anyone with common sense can understand that the stage is already being set for 2019 election and the state elections in 2018.

So obviously there would be volatility. Days of Blindly Investing have gone. In 2018 you will need strategies, timely actions and have to target your investments well. If your advisor tells you to remain invested and blindly continue doing SIP in one fund or stock and ride the whole cycle then you don’t require him.

So, stay focused and continue investing. 2018 can be tough only for those who are not aware themselves on why they are investing.

We will continue posting timely articles which can help you to stay course of wealth creation. Follow this website by entering your email id. It can be easily done by logging on to www.VRIDHI.co.in on a desktop.

So continue investing happily and don’t hesitate to ping us or refer us to your loved ones.


Vivek Karwa

Must Read for Techies and Doctors: https://vridhi.co.in/2016/03/26/must-read/

Year 2018 is going to be differentiator between the Men and the Boys

What a year 2017 has been. The Sensex has risen from 26595 to 34057 in one year. That’s 21.91% in a year, meanwhile the BSE Midcap delivered 47% while the BSE Small Cap Index took away the winners prize with a whopping 58%

This is an eye opener for those who stay away from Equities thinking that they are risky. They are risky only if you invest with expectations of high returns in short term, if people treat Equities like Long Term Fixed Deposits then they become more and more safer with the passing time. This does not mean you go and do the act of investing yourself. The line ‘they become more and more safer with the passing time’ holds good only when you are seeking the advice from an experienced advisor. Keep in mind there are many examples where people have lost even in 2017, though 2017 can be termed as best of the years.

So how does 2018 hold for investors? We at VRIDHI believe 2018 is going to be a challenging, volatile and a year with full of surprises, and yet there would be ample number of opportunities which would frequently be thrown up, will the investors grab them at the right point is a big question. Hence again you may need help of an experienced advisor. In 2017 the percentage of regrets may have been very less but 2018 would clearly differentiate between the Men and the Boys. Only seasoned people will be able to grab most of the opportunities.

We may end Sensex in 2018 at around 38750 – 40000. We may see great amount of support at 29450 on the lower side and immediate support at 32550. When we say target of around 38750 – 40000 for the year, in percentage terms it is just around 12% to 17% meaning we need to be really opportunistic in the ensuing year. Those not feeling happy with these returns kindly keep in mind Equities will still be the best performing asset class in this year and hence stay invested in a tactical manner!

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So what can drive the market up or down in the next year? Some of the factors are mentioned below:

* Earnings pickup: Since many quarters, we all are expecting that the corporate earnings would pick up soon. After the implementation of GST and the systems having almost settled fully, we expect that the earnings can pick up from March quarter onwards. If the earnings pick up happens in a secular manner we may cross even the 40k mark which we have mentioned above.

* Budget and Govt Spending: Feb.1 would be the last full budget of this government and hence expect many favourable announcements for the people and the economy. Only thing which we should be alert of is that the govt should not go overboard and create fiscal deficit. But knowing the politics of Mr. Modi, the freebie politics is not present in the blood of Modi like others. Widening of Fiscal Deficit can create problems like those we saw during 2013 under MMS. This govt has been under control till now.

* State Elections and General Elections: People in general don’t think with mind open. They would see a great defeat in Modi if the ruling party does not fare well in a state like TN where they actually have no presence! They conveniently forget the 19 state governments and central govt is ruled by same people. Mentioning all these since every state election is crucial in 2018. There are 8 state elections and we expect even the general elections to be advanced to Dec’18. We saw 800 points intraday dip when at a point of time Congress went ahead in Gujarat! Hence market is not going to like any bad surprises and market expects that the same PM be re-elected. Any change would be a temporary but sharp setback to our money!

* Global Markets and Geo-Political Tensions: Globally markets are flushed with liquidity. As long as this liquidity is not squeezed out, we would continue doing well. The risk of North Korea, Pakistan and the likes going out of senses is a huge problem. India is also seeing huge money flowing into markets from the traditional FD investors.

* Inflation and Interest Rates: There are fears that RBI may hike Interest Rates in case Inflation spikes up. We are totally control over inflation till now and are around the RBI expectations. Inflation spikes can bring in selling pressure in the markets and a rate hike can make the situation worse.

We don’t think Interest Rates can move up from here, on the contrarian we feel they are still headed only downwards. Those meeting their ends meet with the interest amounts are finding it quite difficult. Senior Citizens in particular are feeling the pinch. Sadly this is a global phenomenon and we got to deal with it.

With 2017 getting over, let’s change our thinking. Let 2018 begin looking for new opportunities. At VRIDHI we can help you get better than Fixed Deposits with minimum risks. We take Extra Care of Retired and Seniors Citizens. VRIDHI has representations in Delhi, Chennai, Goa and Nagercoil.

Many of you would be looking for some safe bets in 2018, have tried to mention few of them on this show at Moneycontrol. You can view the show by Clicking Here.

So plan your money well in 2018 and tag your investments with your goals in life. Don’t blindly invest in anything, including Bitcoins! Seek help of your Investment Adviser.

Happy Investing

Vivek Karwa



Think Investments Think India

We at VRIDHI wish you all a Very Happy Deepavali, may the Samvat 2074 bring in more prosperity and India emerges stronger.

In the previous MarketFastFood article we had mentioned that Investors think markets can only go up, meaning they are currently thinking that markets cannot come down. You can read the article by clicking here. Fact of the matter is, within few days of posting that article, the markets did correct by almost 4-5% and further as mentioned in the article again, market also recovered very fast and we all know where it is today. We are hovering at around 32600 today.

Performance wise, last Diwali to this Diwali has been splendid. Diwali last year was on 30-10-2016 and the Sensex was at 27900 approx. and today it is at 32584.

Very soon after Diwali last year, the government announced Remonetisation of Rs.500/- and Rs.1000/- notes on 8-Nov.

The political scenario post Nov-8 has been too hot with opposition trying to criticise the move. Fact is, they themselves do not know if it’s needed for the country or not. Any person with little common sense would know that when around 85% of the currency in circulation was of high value, and further 85% of that high value never entered any bank account is enough proof that most was in black.

Ask this to any Economist, Fund Manager or an Analyst and they would confirm this. Don’t think why our former PM opposed it, he needs to remain in good books of his leaders, period. Black money in system leads to high inflation in real assets and that’s why Real Estate became unaffordable to Indians.

Remonetisation was needed to formalise the economy and remove the mess of high value currency. We feel the Rs.2000/- notes won’t stay for long. Further Remonetisation was also required before the roll out of GST.

The only disappointment was that 99% notes came back. Many thought a lakh crore may not come back. But then thinking in hindsight, why should one throw away his money particularly when a declaration scheme was also announced. Post that, we have seen frequent raids, investigations, clampdown on shell companies etc etc. All these are by-products of Remonetisation.

Now the GST, Congress tried it hard to roll it since they knew it is going to benefit the country in long term and hence take the credit for it. But they failed to convince their own CMs and allies and hence failed. The present government will get the credit after 12-18 months and until then many people will continue cursing it and many optimists like me are hopeful that the present confusion will be a history soon.

When VAT was rolled out we saw similar pattern. GST is much bigger and hence more teething trouble. They naysayers, the pessimists will rejoice on one or two bad economic numbers but take it from me the country will benefit over long term. GST expects people to do business legally and those used to without bill business are shouting the most. Country is changing, instead of crying, change your business model else you will be wiped off.

Hence we need to ignore the initial teething problems and only then you can be a partner in the countries progress.

You can call 99% cash coming back into the bank as positive too. All this money is now legally getting invested in Financial Products. Earlier people used to avoid since it was all cash, now having ‘adjusted’ the amounts they are getting channelized. With falling interest rates and real estate prices under check due to remonetisation and other factors, people are choosing Equity Markets and Mutual Funds.

Are the valuations costly? No Brainer question, they valuations are sky high. Hence you need to be cautious and invest only with assistance of a Financial Planner.

Market is giving opportunity to all type of investors. Fixed Deposit investors can get better returns with reasonable amount of safety through proper planning. Long Term investors can spot value buys.

Let the pessimists continue with their negativity, just believe in India story and you would not regret. Once again, wishing you all a Happy Diwali and a Prosperous New Year.

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Happy Investing


Financial Planner & Wealth Creator


Most Investors think Markets can only move up

There is a saying: Bull markets can climb the wall of worry. That’s exactly what is playing out in the Indian markets right now. The Sensex seems disinclined for a pause, which does not mean it’s immune to surprises. The investors, as usual are ignoring the dark side of dipping their hands into rich valuations. Many of them are new to the galleries, driven to the ring due to invisible avenues of alternate investments.

The Fixed Deposit rates are at the lowest point and are expected to move further southwards. The appetite for Real Estate has withered away along with the high value denominating notes. Gold is just not willing to wink. Ignore the temporary craze due of Kim. These factors are driving even a newbie to the Exchanges assuming that this money making machine would never go for a maintenance halt.

After reading the above you may declare that I Am forecasting hell to fall loose, no I Am just cautioning the investors not to go on rampage. Keep in conscious that the higher you buy the lower tends to be the returns with high stakes. Hence we should welcome if market decides to cleanse some froth before the next move.

Valuations of most mid and small cap companies are running high. The flush of liquidity is helping them sustain. But as I said before, I Am not advocating a sell. But a churn in your current portfolio by reducing the overall standard deviation can buy you insurance against any rude shocks.

Can rude shocks strike? Yes there are many probable events, and in case such things happen, we would see value buying emerge. Not just Indian markets, the global indexes are performing well. Hence look at sectors and companies which are seeing order book build-up right now, but are also out of market flavour.

Most of us must be thinking that, on ground nothing seems to be happening. Markets are much smarter than all of us. They see what is coming and not what is. One of the examples of this is in the Global PMI numbers. Have a look:

Most developed nations are showing or have started showing dark patches of green. Most nations in the emerging markets section have also started showing patches of yellow and green, a welcome shift from the red ones. The valuations in the current market are not uniform, one can identify underdogs even now. Don’t risk buying stocks without an advisors assistance. People tend to buy stocks and invest in Mutual Funds on their own without any clue when to jump out of them.

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In Long Term We Are NOT Dead, Bright Future Awaits India

What a year it has been. In the last year article (Click Here to read it) we had said that Sensex may touch 29140 – 29500 and if it breaks successfully then we may test 30800 – 31320. We during the year did test the first range and then the turn of events took us down sharply.

The Sensex closing on 31-12-2015 was 26117 and the close on 30-12-2016 was 26626, meaning just 1.95% over the year. This is less than even a Savings Bank Account! On 26-12-2016 the Sensex close was 25807, meaning negative 1.19% for the whole year till 26-12-16 and then in next four trading sessions, the Sensex rallied and closed higher, talking the whole year return into positive.

If someone forces me to mention and discuss the impact of Just Three Most Important things for 2017, they would be:

1. Interest Rates – Both RBI and Fed rates

2. Currency Replacement (Demonetisation)

3. GST

I would not like to discuss other usual things and make this article longer to read. Being New Year will try to keep it as crisp as possible.

1. Interest Rates

Remember when FED was decreasing rates, what were people saying? American economy is very weak, it will require many stimulus packages to revive. Rates are coming down and hence market will also come down due to poor economy. And you know what? Market did come down!

Now what discussion are these same people encouraging? Because FED has increased rates and may increase them further, the market has to come down!

Don’t get misled by people who don’t think beyond evening, let alone tomorrow or long term!

FED increasing rates is a sign of US recovering and they are much more confident today. I would be happy if rates are increased in Europe, high hopes but nothing to lose! India should be happy that US is recovering. FED may increase rates by just another 25 points in 2017, that won’t drive away FII’s from India. The small negative will be set off by better performance of the companies.

We are still dependent of FII’s, lets resolve in this year to bring in atleast one new investor!

2. Currency Replacement

Hell lot has been already spoken on this. With more than 85% circulation of high denomination notes in the system, it was need of the hour. Had government not done this now, Indian economy would have collapsed by itself like America did in 2008.

Irony is, those people who were head to toe immersed in various corruption charges are today preaching! As an Indian it is our right and duty to support what is right and what is wrong should be opposed.

As said earlier, hell lot has already been spoken hence let’s not go into the details and let’s come the point straight away. Will this whole exercise reap benefits to the Indian Economy? The answer is a Big Yes!

I totally agree that the process could have been better managed and there are certain problem which the new tax payers, likely to join the system, will face. I will be writing about them to the PM and FM. The public is heard and I ‘am sure actions to ease these problems will also be taken up.

Hence be ready to see increase in the digital economy and by March’2017 we all would have forgotten the currency ban! PM has announced certain sops yesterday, take this as precursor to the Union Budget. This will be the most important budget of the govt which try to ignite confidence in the economy.

3. GST

The day GST was passed, I had posted on facebook that it will not be implemented from 1-4-2017 and looks like the prediction would come true.

The impact of demonetisation will fully settle by March and once GST comes into force from August (hopefully) will cause another ‘shake’ in the markets, but for good.

Hence what we expect is, with Demonetisation+GST+Digital Economy, the numbers will start looking very interesting. All these put together we can term them as mother of all reforms which India has ever seen.

The end result would be that: Economy will pick pace, Companies will start performing and the Earnings Growth will start showing up. By the time you realise that earnings have picked up the market would have already rallied!

Hence use 2017 as the year of Investment Opportunities. We expect Sensex to test our second target of 30800 – 31320 this year if things go as expected. If the upcoming state elections results add up to the ruling party’s Rajya Sabha tally, the market will pick further pace. They need not form govt, adding up RS numbers itself will be big positive.

2017 will be volatile and will give both Investment and Trading opportunities. It’s up to you how you use them. Stay connected with us on Social Media: Click Here

Happy Investing

Vivek Karwa

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Will India also be dead in Long Term?

Lot of water has flown under the #DeMonetisation bridge since our last article. Standing at the bank ATMs became order of the day since the announcement, and almost for a fortnight since 10-11-2016, almost looked like the woes of people would never end. Thankfully the situation is much under control now, and the cash, and the change is available at most places. Certain rural areas are still facing problems but they also would not last long either.

Whatever the problems, the public support has been amazing till now. Every honest tax payer, poor person and the middle class is happy with the decision. Need proof?

In spite of such hardships people were seen standing in queues without any problem. They knew it will benefit them in long term.

Political parties wanted riots to happen, SC warned of riots but none happened!

The Bharat Bandh called by those parties supporting Black Money was ruthlessly rejected by people.

Yes some politicians have been badly affected. Just assume that the Decibel of Noise they make is equally proportional to the amount of Black Money they have lost.

Yes, I totally agree that the implementation could have been better so that the woes of people could have been a bit less, but these people shouting for poor people are only shooting from their shoulders for their own black money. None of them are actually interested for our welfare.

For this size of operation and for the guts shown by the government, we need give them some room for mistakes. Anyway almost everything is settled now.

In our previous article we had said that we should find a good support around 26300 which was tested the next trading day after demonetisation announcement. Later on with the fear of slowing GDP and FII selling, we again tested the range for good amount of time and recovered back sharply.

We maintain that any testing of recent lows of around 26000 will provide a good investing opportunity. The valuations will be fair in this area and should not be missed.

We also believe that the impact of demonetisation will not be too huge on the GDP. Any number above 7% will bring back the FII’s with a vengeance and the markets would remain stable.

Yesterday in an election rally in Uttar Pradesh, Prime Minister Narendra Modi said this:

Rich people are using the Jan Dhan accounts to deposit their Black Money. They are remembering the poor now.

He further said: I request you not to withdraw this money and give it back. If they ask for the money, tell them you will inform about this to the authorities. If they threaten you, ask for the proof that the money is theirs and give me that proof.

He further added: There are few ideas running in my mind, I’am checking if there is any possibility that these people are prosecuted and the money is left for you to use!

Though he has not promised, the announcement will send shivers in the opposition. Though he has not promised, it would be big move to let the money remain in the hands of Jan Dhan account holders who are by default below BPL.

Now, no one knows if this would be done or not, no idea if its legal, and if it is done how much money will the govt allow these accounts to keep and how much they may seize back.

I’am of the opinion that any such move by PM Modi may be will be Inappropriate, Unethical and Morally Incorrect, since it will be kind of Legal Bribery of the voters. But PM Modi will be Politically Cent Percent correct! And this will make him Morally Correct too, How?

Loan waivers, Freebies and other Electoral benefits are not new to this country. Hence helping the poor alone in this way, will not be morally incorrect! Remember Jan Dhan account holders are poor people!

Modi never said he will deposit 15 Lac in all accounts. But morally corrupt politicians always spread this narrative to attack him falsely. Hence now, if he ends up depositing this money, these people will have to praise him else face the wrath of people.

You must be wondering why am I talking about this.

As an Investor and Investment Adviser, I see this as a big boost to Indian Economy, just like how we saw the 7th Pay Commission.

‘The money deposited by every individual in their bank account now will be available to invest or spend in the formal economy. The money in the Jan Dhan Accounts, if not taken back fully, will also be spent in the formal economy. This will boost the company balance sheets.’ Hence good for the Stock Markets!

Hence Investors now need to look at the Long Term Picture. This will benefit our country and our future generations in big way. Should not we dream to see our economy compete with mighty China?

Don’t say ‘In the Long Term we all are Dead’, if we have such sadist attitude, none of us will think well for our future generations! It is up to us, if we want to remain selfish or make the world better for everybody. We are there or not, our country will be there eternally.

Interest Rates may be cut in the coming week by the RBI. Fed rate hike is expected in mid December. Though I feel the chances of Fed Rate hike is just 50:50, the market will remain Cautious and Volatile until then.

Hence remain Bullish. Be very Stock Specific. In 2018 you will appreciate that I told you this today! Take help of your Financial Adviser and, as said in our Diwali post, we would charge just 25% of our regular fee for our Armed Forces. Please inform them about this.

*The above are Vivek Karwa’s personal views. Feel free to contact us on the below details.

Thanks and Regards

Vivek Karwa


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