Indapurkar Investing And Allied Services

27/07/2025

Most people don’t have a money problem.
They have a liquidity problem. 💸

You could have ₹2 Cr in assets and still go broke if life hits tomorrow.

🩺 Medical emergency
💼 Job loss with 0 notice
✈️ Last-minute travel for a family crisis
🚿 Pipe bursts in the middle of the night
⚖️ Divorce or sudden legal trouble

If you don’t have an emergency fund, your only option is panic.
I’ve seen it too many times—smart people forced to:

→ Break long-term investments at a loss 📉
→ Swipe credit cards at 36% interest 💳
→ Borrow from friends and kill their pride 😞

All because they skipped the boring part of wealth: protection 🛡️

Here’s the simple structure I recommend to every client:

→ 3 months of basic expenses in a savings account 🏦
→ 3 more months in a liquid mutual fund 💼
→ Extra buffer if you run a business, have EMIs, or dependents 👨‍👩‍👧‍👦

✅ Keep it separate
✅ Automate the build-up
✅ Review it every 3 months

Because when life punches you in the face, cash is the only shield that works.
hashtag hashtag hashtag hashtag

06/07/2025

Most people think they’re playing it safe.
They’re actually playing to lose.
Your house isn’t an asset.
Your job isn’t security.
Your savings aren’t safe.
Kiyosaki has been screaming this for 20+ years.
Most people still aren’t listening.
→ You work for money.
→ You save in cash.
→ You buy liabilities thinking they’re assets.
And then wonder why you’re stuck.
Real freedom starts when:
→ Your money works harder than you.
→ You stop trusting systems built to keep you poor.
→ You invest in skills, equity, and real assets.
The rich don’t save.
They build.

26/05/2025

Our Weekly Newsletter 📰 Highlights

24/05/2025

01/01/2025

Perfect New Year Resolutions 2K25 ✅🎉🥳

19/08/2024

This Raksha Bandhan Gift Your Sister SIP Most Precious Gift 🎉

06/08/2024

*Forwarded But nicely nicely articulated*

Yen carry trade and its impact on returns:

For 30 plus years, Japan had zero interest rates with a stable but declining currency. Investors borrowed money from Japan and invested in high yielding assets across the world. Basically- they were short on the Yen.

All of a sudden, with an increase in interest rates from 0 to 0.25%, investors rushed to buy the yen to cover their shorts and the Yen moved from 165 to 145 per USD.

If an investor borrowed 16500 Yen to buy $100, now he needs $113 to repay the loan. A loss of 13% without a move in the price of the base asset!!!

So the investor sells assets to avoid further loss. The asset price comes down compounding the loss. This cycle continues until either the investor goes bankrupt or gets cheap money from somewhere else to repay the loan in Yen.

Imagine this happening for $4tn worth of Yen loans!!!

Situation ahead - either US cuts rates to soothe the markets or allows the markets to fall to a level where some of the carry trade is unwound.

Given the current situation in the US, the second scenario looks more likely where markets will fall further before stability comes. Hopefully, India will not be as badly hurt as the other markets because of the domestic money waiting to be deployed. The initial fall will trigger margin calls but when large trades are squared off, the market will move into a buy mode again.

On the other side, currency will come under pressure and RBI may not hike rates but will definitely not cut rates to protect the rupee from sliding. In fact, it will make adjustments to ensure that foreigners sell the rupee assets for the lowest possible amount. This will mean higher rates for longer, tougher monetary stance and effectively slowing down capex growth.

Time to move to defensive portfolios and growth style

09/06/2024

RBI MONETARY POLICY JUNE 2024

13/03/2024

It’s true that for your secure future after ROTI , KAPDA AUR MAKAAN , “ SIP “ is the 4th Basic Requirement.Start your journey immediately.Contact Us Now !