Go Financial Plan

Go Financial Plan Financial planner
Venkatesh.Puthige "The Financial Fitness Gym" we are Financial Planner trying to create wealth through the concept of financial fitness gym.

Mr.Venkatesh Puthige has 29 years experience in Capital markets .He is an MBA ,CFP . Goal Based Plans, with dynamic tracking as a Specialization. & Post Retirement planning .

19/09/2024

Life can be simple and wealth creation if u follow this simple steps for your future Generations.

1) As and when your children or your next generation Child is born.

The parent you or your Children who could be future parents need to do this simple thing.

The day the child is born get a pan and Aadhar and open a Bank Account with guardian.
Once this is done. Invest Rs 11000 for 25 years of the child age and once the child becomes 25 years ask them to not to touch this amount and let them continue the same Rs 11000 for the next 25 years.
This amount should not be touched till age 50 of the new born child.
The following will be the corpus.
1) Total invested amount Rs 11000 for 600 months I.e Rs 66 lakhs (300 months u invested +300 months the child invested Rs 11000) Total invested amount is Rs 66 lakhs .
2) corpus at age 50 will be ??????

Hold your breath. Rs 100 crores
This is @14% for 50 years.

This will be the corpus for your children or next generation. Simple , this shows it is not return but the time you hold your assets will give u phenomenal corpus. NO simple investing and enjoying your life.

Think how u can make ur next generation financially sound and they retire at age 50 with minimum 100 crores. 🤔🤔

Some details apparently get captured as things move in the right direction. Few years back when I used to visit the BSE ...
08/01/2024

Some details apparently get captured as things move in the right direction. Few years back when I used to visit the BSE ( Bombay Stock Exchange) Movers and shakers of the stock markets were FII’s and other large Institutional and HNI investors. So the Iconic Replica was always inside the exchange, Y day while I was having a memory down the lane trip to BSE saw this Iconic charging Bull with comman man near the Horniman circle junction. This shows how common man with a collective of Rs17000 crore per month has become the Spirit of new India and creating wealth for himself and reaching his family goals.

Y’day attended the 28 th wealth creation study at Motilal Oswal tower, for the first time it reflected upon 1) Why Econ...
15/12/2023

Y’day attended the 28 th wealth creation study at Motilal Oswal tower, for the first time it reflected upon
1) Why Economic profits are superior metric to Accounting Profits.
2) Talked about hockey stick 🏒 returns.
3) They also had a tribute to the great and legendary Investor “Charlie Munger” who passed away few weeks back. The person who was a part of Berkshire Hathaway and Warren Buffet’s investment philosophy.
As they said ,One of most important characteristics of creation # is having Right Temperament and conviction on your investments and as always for me some good take aways and growth in learning of this journey of mine as an Advisor #.

It is better to sell low return investments rather than to take a loan at higher interest rates. ‘Myth Busted’.
04/12/2023

It is better to sell low return investments rather than to take a loan at higher interest rates. ‘Myth Busted’.

We know Funds, and it's Fund Managers give return as per there # Stock selections, but as an Advisor what is our role...
08/05/2023

We know Funds, and it's Fund Managers give return as per there # Stock selections, but as an Advisor what is our role in creating more to our clients, this can be done through which is in our hands. Last few years we have created more wealth through our timely Rebalancing.
The latest one being our Rebalancing call in March 31st when we suggested shifting from Debt to Equity at Nifty levels of 17100 and today we see Nifty levels of 18250 in a span of 45 days more than 6% growth has been generated.
Using rebalancing as tool creates more wealth for your clients with the same resources .

Another rebalancing at the right time , to shift from Equity to Debt on Dec 7 th when Nifty was around 18500 levels. Whe...
26/01/2023

Another rebalancing at the right time , to shift from Equity to Debt on Dec 7 th when Nifty was around 18500 levels. When u work for your clients growth, you feel satisfied as an advisor.

Rebalancing at the right time, helps to generate additional returns , which is very crucial for clients behaviour . Our ...
26/01/2023

Rebalancing at the right time, helps to generate additional returns , which is very crucial for clients behaviour . Our call to shift from debt to equity when Nifty was around 15400 levels on June 20th , gave clients excess returns in the next 6 months.

22/07/2021

Understanding Technical & Fundamentals can Generate Alpha’s to your clients
We always have a conversation around "Higher the risk Higher the Returns" sometimes returns are attributed for taking higher risks, it need not be true always, I would like to share 3 instances where we understood some key factors In technical and fundamentals and took a call for our clients to generate better returns without taking a high risk. Series (3 of 3)
This was a technical change with happened in the calculation of Nifty P/E ( Price to Earnings Ratio). The Nifty P/E is calculated by the formulae, Total free-float market capitalization/Total float profit after taxes of nifty 50 companies for the last 4 quarters. The profits here used were Standalone profits whereas in developed countries it was consolidated profits. From March 31st, 2021 NSE decided to shift to consolidated profits while calculating the Nifty P/E. To understand the effect of this change in the calculation, NIFTY was 14845 on 30th march 2021 and P/E of 40.4, and on 1st April 2021, Nifty was 14867 with a P/E of 33.6 Nifty P/E fell around 17% without a change in the price of Nifty because 39 companies out of 50 nifty companies had Higher consolidated profits than Standalone profits. At this time, we were also thinking to Rebalance our client’s portfolio from Equity to Debt but when we understood the reconstruction, we rebalanced to Dynamically Balance advantage fund instead of Debt funds, and from that point nifty reached 15900 in 3.5 months generating Alpha for our clients.
In our conclusion, we would say calculated risk with understanding the dynamics of the market will give you more risk-adjusted return than blindly following the rule “High-Risk High Return".

22/07/2021

Understanding Technical & Fundamentals can Generate Alpha’s to your clients
We always have a conversation around "Higher the risk Higher the Returns" sometimes returns are attributed for taking higher risks, it need not be true always, I would like to share 3 instances where we understood some key factors In technical and fundamentals and took a call for our clients to generate better returns without taking a high-risk. Series (2 of 3)
Just Before Budget Feb 1st, 2021, it was clear to all that the fiscal deficit will be very high for the FY 21-22 as government expenditure will be high due to COVID, the government needed to generate income from other sources or increase the taxes, PSU sector disinvestment was one easy option for the government and it was high chances this would be announced in Budget, also the PSU index at 5732 was at lower levels around JAN 27th 2021, from the peak of 7000 in Jan 2020. This was a relatively low-risk opportunity to take and there were some PSU Mutual funds thru which we gave a call to our clients to park some funds. The budget announcement of PSU disinvestment rallied the PSU index to 7200 levels in the next 45 days. Again, Generating Alpha for our client through this timely call

22/07/2021

Understanding Technical & Fundamentals can Generate Alpha’s to your clients ( Series 1 of 3)
We always have a conversation around "Higher the risk Higher the Returns" sometimes returns are attributed for taking higher risks, it need not be true always, I would like to share 3 instances where we understood some key factors In technical and fundamentals and took a call for our clients to generate better returns without taking a high risk.
1) This was a classic case of the oversold sector. During March 2020 markets had sharp corrections, Nifty fell to 7500 in march 2020 from the peak of 12200 (38 % down), so did bank Nifty which fell to 17000 in march 2020 levels from a peak of 32000 (46% down). Around October end 2020 Nifty recovered to 11900 (Just 3% below) all-time high levels (12200), whereas bank Nifty was still hovering around 23000 (still 38% below) all-time high levels (32000). Bank Nifty and stocks in that sector were relatively cheap and we took a call to switch some debt funds to BANK NIFTY Index funds, then the results of Kotak bank announcing that NPA’s are lower than provision acted as a trigger, and within the next 3 months, bank nifty reached 32000.
Our analysis was, “one of the biggest contributors to nifty and the economy was banking sector” and it was 38% lower than all-time high and whereas nifty was just 3% lower than all-time high. This anomaly will correct very soon and we took the call to create alpha for our clients

18/07/2020

Listen to 5 Reasons Why You Need Goegraphical Exposure In Equities by Venkatesh Puthige on

18/07/2020

USING INTERNATIONAL EXPOSURE AS AN ASSET ALLOCATION STRATEGY

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