JRL Money

05/10/2021

" What is riskiest thing to do now!

Taking money out of Indian equity!

When you exit equity, you are taking active bet! This active bet is against India!!!

It’s not a defensive bet!!! Thought it may feel and look as defensive!!!"

Vijai Mantri

CIS & Co-Founder JRL Money

03/10/2021

Reminder!!!

Does buy and Hold works ?

Well this is what has been handed out as a matter of fact by most experts in the equity markets. But does Buy and Hold works in all situations. The answer like answers to most challenging questions of life is both ‘Yes’ and ‘No’.

To discuss on above and to know more in detail, please join this Sunday , JRL Money live on Facebook, Twitter and Youtube. Details given below :-

Topic :- Does buy and hold works ?
Speaker :- Mr Vijai Mantri, CIS & Co-Founder JRL Money
Date and Time :- 3rd October, Sunday, 11 AM onwards

Facebook Link :- https://www.facebook.com/JRLMoney/live
Youtube Link :- https://www.youtube.com/watch?v=oKwAuwpVVEw

Regards,
Team JRL Money

02/10/2021

Does buy and Hold works ?

Well this is what has been handed out as a matter of fact by most experts in the equity markets. But does Buy and Hold works in all situations. The answer like answers to most challenging questions of life is both ‘Yes’ and ‘No’.

To discuss on above and to know more in detail, please join this Sunday , JRL Money live on Facebook, Twitter and Youtube. Details given below :-

Topic :- Does buy and hold works ?
Speaker :- Mr Vijai Mantri, CIS & Co-Founder JRL Money
Date and Time :- 3rd October, Sunday, 11 AM onwards

Facebook Link :- https://www.facebook.com/JRLMoney/live
Youtube Link :- https://www.youtube.com/watch?v=oKwAuwpVVEw

Regards,
Team JRL Money

01/10/2021

The person who risks nothing, does nothing, has nothing, is nothing, and becomes nothing. He may avoid suffering and sorrow, but he simply cannot learn, feel, change, grow or love.

Chained by his certitude, he is a slave; he has forfeited his freedom.
Only the person who risks is truly free.

So aptly apply to chronic FD investors!

Vijai Mantri
CIS & Co-Founder JRL Money

30/09/2021

"Never underestimate the power of silent revolution"

Vijai Mantri
CIS & Co-Founder of JRL Money

28/09/2021

Is ‘buy and hold’ (BNH) the best investment strategy?

Well this is what has been handed out as a matter of fact by most experts in the equity markets. I was and still one of the votary of ‘BNH’ strategy.

But does BNH works in all situations. The answer like answers to most challenging questions of life is both ‘Yes’ and ‘No’.

BNH still works if you do not have to take money out from the markets. But what happens when you need to take money out for some specific goal? Then the answer is that 2/3rd time BNH works and 1/3rd time it does not.

Here are the assumptions before the results.

- starts with investment corpus of Rs. 1 crore on April 1 of any FY.
- start withdrawing Rs.8 lacs annually into monthly instalments of Rs.66,667.
- increase the withdrawal amount 6% per annum to account for inflation to maintain same living expenses.

See the results

Start Year Corpus Aug 2021/ Year in corpus gets over

April 1980 Rs. 123 crores
April 1981 Rs. 61 crores
April 1982 Rs. 30 crores
April 1983 Rs. 79 crores
April 1984 Rs. 73 crores
April 1985 Rs. 30 crores
April 1986 Over by July 13 (After 27 years)
April 1987 Rs. 14 crores
April 1988 Rs. 63 crores
April 1989 Rs. 11 crores
April 1990 Rs. 15 crores
April 1991 Over by October 19 (After 28 years)
April 1992 Over by Oct 1999(7 years)
April 1993 Over by Feb 2007(14 years)
April 1994 Over by Dec 2002( 8 years)
April 1995 Over by July 2005( 10 years)
April 1996 Over by Jan 2008(12 years)
April 1997 Over by Jan 2011(14 years)
April 1998 Over by Feb 2011(13 years)
April 1999 Over by Sep 2016(17 years)
April 2000 Over by Feb 2013(13 years)
April 2001 Rs. 2.11 crores
April 2002 Rs. 4.94 crores
April 2003 Rs. 9.32 crores
April 2004 Rs. 2.26 crores
April 2005 Rs. 2.27 crores
April 2006 Over by May 2020(14 years)
April 2007 Over by June 2020(13 years)
April 2008 Over by Feb 2020(12 years)
April 2009 Rs. 2.40 crores
April 2010 Rs. 34 lacs left
April 2011 Rs. 50 lacs left
April 2012 Rs. 1.28 crore
April 2013 Rs. 1.41 crore
April 2014 Rs. 1.26 crore
April 2015 Rs. 98 lacs
April 2016 Rs. 1.47 crore
April 2017 Rs. 1.35 crore
April 2018 Rs. 1.33 crore
April 2019 Rs. 1.21 crore
April 2020 Rs. 1.90 crore

As can be seen from above numbers. The years in you started makes lots of difference.

Great years :-

(1980/1981/1982/1983/1984/1985/1986/1987/1988/1989/1990/1991/2001/2002/2003/2004/2005/2009/2012/2013/2014/2015/2016/2017/2018/2019/2020) = 26 years out of 40 years. Great returns 65% of times.

Challenging Years :-

(1992/1993/1994/1995/1996/1997/1998/1999/2000/2006/2007/2008/2010/2011) = 14 years. Around 35% of times.

The above data clearly suggest that BNH may not work in all the situations.

Vijai Mantri
CIS & Co-Founder JRL Money

Well this is what has been handed out as a matter of fact by most experts in the equity markets. I was and still one of the votary of Buy and Hold’ strategy....

28/09/2021

It’s okay to be wrong. It’s unforgivable to stay wrong !!!

Vijai Mantri
CIS & Co-Founder JRL Money

27/09/2021

"When it comes to investing the most important body part is stomach. Unlike brain/ heart, the stomach give signals when it’s empty 😂!"

Vijai Mantri
CIS & Co-Founder JRL Money

22/09/2021

JRL Money's CIS & Co-Founder Vijai Mantri on BloombergQuint tells about the best strategy to maximise return on your Mutual Fund investments with details on Buy and Hold Strategy- when it holds and when it does not.

https://www.youtube.com/watch?v=F2peaAGovcY

Source Credits :- BloombergQuintSource Credits :- "The Mutual Fund Show"