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2020 ka Investmentफल

Wishing You Happy New Year

With this new journey of 2020, you can boost up your wealth just by investing in the top 5 stocks companies.

No worry, your “WealthBhai” is here to assist you in boosting your wealth. Be with us, we inform you about new opportunities to earn more. Just invest without thinking too much, it’s the correct time to earn more. Getting more curious to know about the “name of the companies”. 

So let’s get started with the major information about the top 5 companies that are performing well in the stock market of 2020 are:-

1. Hindalco 

Hindalco is one of the leading industries in aluminum and copper with a turnover of US $18.7 billion. It has different branches in 10 countries outside India.  With the current market price of INR 218 and the buying range is INR 210-218. The target of this stock is about INR 260-280 with a 20% upside and stop-loss at INR 192.


2. Tata Motors

Tata Motors is one of the leading automobile manufacturing companies with a turnover of US $45 billion. Around 12,74,072 vehicles are sold and 1945 branches are established.  The current market price of the stock is INR 183 and the buying range is INR 177-183. The target of this stock is INR 215-225 with an 18% upside and stop-loss at INR 165.


3. PVR

PVR is the largest film entertainment(Movie Theatre) company in India, founded by Ajay Bijli in January 2000. This company generates revenue of around $31,187 million. The current market price of the stock is INR 1903 and the buying range is INR 1860-1905. The target of this stock is INR 2200 with a 15% upside and stop-loss at INR 1795.


4. MFSL

MFSL Deals in hospital and medical service plans sector. The current market price of the stock is INR 540  and the buying range is INR 520-540. The target of this stock is INR 640-670 with a 19% upside and stop-loss at INR 490.


5. City Union Bank

City Union Bank is one of the leading scheduled commercial banks in the private sector with 600 branches and 1621 ATMs installed all over India. The current market price of the stock is INR 235  and the buying range is INR 230-235. The target of this stock is INR 275 with a 17% upside and stop-loss at INR 215.


Contact our financial advisors for more information related to the above mentioned well-performing top 5 companies in the stock market. 

We update you with the condition of the share market, just subscribe to our youtube channel – Wealthbhai and enjoy the returns of the investments.


“Say No To Saving, Just Start Investing”


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Investment

Why Do Investments?

Many questions arise in mind “What is the investment?” , “Why we do investments?” and “What to invest?”


Investment doesn’t only mean to invest in monetary term. Everyone has a different meaning to investment. Basically, investment means to give some effort to achieve something. Every individual has different goals and according to that, they invest in different things. Without investment, you will not get to your defined goals. By investing you will get benefits in the future. 

Investment is categories on the basis of time and benefits are as follows:-

1. Short-term investments

2. Long-term investments

Every person has different goals for which they have different investing elements. But finding a correct investment element is necessary otherwise you will not best results out of it.

Now we talk about the kind of investments that we implement in our life.

1. Monetary investments

2. Time investments

3. Property investments

4. Relationship investments

5. Knowledge investments


There must be a reason behind every action, similarly, there are many reasons to invest. 

The main reasons “Why we invest?”

1. To get monetary benefits

As we know, we can’t even buy a single piece of bread without money. investments with monetary benefits will boost your wealth and can increase your financial position.

2. To secure future

“Every action has an equal and opposite reaction” Newton’s third law of motion, as investing always pays you a secure future.

3. To meet financial goals

Every individual, the business entity and even families has different goals to achieve that, they make investments in different resources.

4. To help and support others

Suppose your friends or any family relative is in problem then you can help through your investment earnings.

5. To increase  wealth

Investments are better option than savings for boosting the growth of wealth.


At last but not least, investments are done with the hope of getting better outcomes from that. You can have more investment options like Stock Market,IPO, SIP, Mutual Fund, Insuranceand more.

“Start Investing Start Earning Start Growing”

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Why your Best mutual fund is not Best fund Ever More

“Mutual Fund Are Subjected to Market Risk, Please Check before investing”

Stagnant water smells, but flowing river does not smell.

Once upon a time, there lived a rich man, he was very rich and prosperous.

But he was very Miser, he did not want to help any poor person.

One day a priest came to him and asked him to invest the money for the welfare of the poor people.

As per the order, the rich man established two wells. One in the name of priests and others in the name of himself. The priest warns the man, if the water of his well reduces,

then the priest will going to own the entire wealth of the Rich man.

The rich man scared from priest warning, and close the well of the priest, that nobody can get water from priest well.

The rich man allows the poor people, to take water from his tank.

So that, his water get reduced.

After a span of  5 years, the priest came back to the village, to inspect the water in the wells, and find that the priest’s well water reduces, but the rich man’s well is more than the water of priest well.

The rich man was shocked with the results, then the priest explains, that if you close something, then there will be no growth, but if you let things move then they not only grow, but also it will give good and healthy returns.

Same as with mutual funds also. As if you neglect the investment after investing in the plan and do not monitor it, it will give you lose.

But if you, monitor your funds, then only they will give you profits.

That is the major reason for “why your best mutual funds are not best anymore”

These are some facts which can as follows,

  • Considering the past performance of the  fund, do not view the future aspects.
  • The expense occurs while  payment of management fees, commissions, expenses on advertising, and other expenses during invest process.
  • The market needs regular watch, as it is uncertain in nature, No one can predict the returns.
  • Change in the configuration of the Fund managers
  • The segment of the market in which the mutual fund manager invests.

So, one has to watch the regular interval performance of the mutual funds,

A proper study and regular watch will results in good and hand full returns.

And if your best mutual funds is still not the best, then you have many options of redemption, switch over as well as reinvestment of that fund. 

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The future of our children

The future of our children is probably the biggest concern for most parents. Many parents start saving for their children’s education and marriage, soon after the child is born. This is, of course, the right thing to do, because the parents can benefit from power of compounding while the child is growing up. As far as investment choices for their children are concerned Indian parents are mostly conservative. Public Provident Fund, National Savings Certificate and life insurance endowment plans have traditionally been the preferred investment options for the children’s education and marriage. These investment options continue to be preferred choice of a majority of parents today. While these investment choices offer safety of capital, on the flip side the yield of these investments is quite limited. Cost of living in general and cost of education in particular has been increasing at such a pace in India, that relying on low yield investments may leave parents short of the goals they have set for their children or force them to compromise on other important goals like retirement planning. In this two part series, we will discuss investment choices that will help parents meet the financial goals for their children’s future.

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Children’s Plan

The future of our children is probably the biggest concern for most parents. Many parents start saving for their children’s education and marriage, soon after the child is born. This is, of course, the right thing to do, because the parents can benefit from power of compounding while the child is growing up. As far as investment choices for their children are concerned Indian parents are mostly conservative. Public Provident Fund, National Savings Certificate and life insurance endowment plans have traditionally been the preferred investment options for the children’s education and marriage. These investment options continue to be preferred choice of a majority of parents today. While these investment choices offer safety of capital, on the flip side the yield of these investments is quite limited. Cost of living in general and cost of education in particular has been increasing at such a pace in India, that relying on low yield investments may leave parents short of the goals they have set for their children or force them to compromise on other important goals like retirement planning. In this two part series, we will discuss investment choices that will help parents meet the financial goals for their children’s future.

As per market surveys, education cost is growing at a rate of 20 – 25% per annum. PPF and NSC interest rates are currently at 7.8%. PPF returns are tax free, but NSC returns are not. Returns of life insurance endowment plans are tax free, but it is only around 4-6% depending on the tenure of the policy. You can do the math yourself to see how much you will need for the higher education of your young child factoring in inflation and the maturity amount of your investment at your current savings rate or even at an accelerated savings rate. Simply put, the gap between the cost inflation in education and returns of low risk investment options is just too large. The thought of falling short of our children’s goals is difficult for any parent. Fortunately many young, financially savvy, parents are investing in EQUITY MUTUAL FUNDS  which over a horizon of 10 to 15 years, when the children are growing up, can give sufficient returns to beat inflation and with proper planning can help the parents meet the financial goals for their children, without having to compromise on other important life goals. However, when it comes to equity investment the biggest worry of the average investor is risk, the worry about the safety of your capital. When it concerns the future of our children, can we take risks? There two points that parents need to consider regarding risk of equity investments. Firstly, the yields of low risk investment (e.g. PPF, NSC etc.) falling substantially short of cost inflation, leave you with the risk of not meeting the financial goal for your children. Secondly, we need to understand risk and return in the context of long investment horizon

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Let’s plan your child’s education

The future of our children is probably the biggest concern for most parents. Many parents start saving for their children’s education and marriage, soon after the child is born. This is, of course, the right thing to do, because the parents can benefit from power of compounding while the child is growing up. As far as investment choices for their children are concerned Indian parents are mostly conservative.

Risk and return in equity investing

Mutual funds are subject to market risks. The net asset value (NAV) of your mutual fund investment goes up or down on a daily basis. This is also known as volatility. But should you worry about daily volatility, if you are a long term investor? Over the last 20 years, the Sensex has given an annualised return of 17.8%, despite through big crash in 2008. 

For parents who want to save for their children’s education or marriage, mutual fund is the best investment option. Since children’s education or marriage is a long term financial objective, like retirement planning, it is important to note the following from a financial planning perspective.

Child Plans offered by Mutual Funds : 

Equity Oriented Child Plans:

HDFC Children’s Gift Fund Investment Plan:

This scheme was launched in 2001 and has over Rs 1462 crores assets under management (AUM). This scheme is clearly the best performing amongst the child plans. It is predominantly equity oriented in its portfolio mix. Equities comprise nearly 71% of the portfolio, while debt and cash equivalents account for 13% and 16% respectively

UTI Children’s Career Plan Advantage Fund:

This scheme launched in 2004, has nearly Rs 171 crores AUM. It has largely an equity bias, with equities comprising 93% of the portfolio mix. Debt accounts for 4% and cash equivalents 3% of the portfolio holdings.

Debt Oriented Child Plans:

In addition to equity oriented child plans, debt oriented child plans are also available in the market. These plans have a more conservative portfolio mix and are suitable for investors with moderate risk profiles and time horizons. 

ICICI Prudential Child Care Plan – Study Plan:

This scheme was launched in 2001 and has Rs 80 crores of AUM. The portfolio mix is weighted to debt, with equities comprising only 24%, debt 73% and cash equivalents 3%. The quality of the debt portfolio is good, comprising of G-Secs and highly rated corporate bonds

Tata Young Citizens Fund:

This is one of the oldest child plans, launched in 1995. It has nearly Rs 180 crores of AUM. This fund has a slightly higher allocation to equities compared to its peers. Equity accounts for 49% of the portfolio mix, while fixed income securities (debt and money market) comprise about 44% of portfolio value. The balance is in cash equivalents.

HDFC Children’s Gift Fund Savings Plan:

 This scheme, launched in 2001, has Rs 103 crores of AUM. In terms of portfolio composition debt is 51%, equity 19% and cash equivalents in close to 30%. The quality of the debt portfolio is good, comprising of G-Secs and highly rated corporate bonds

SBI Magnum Children Benefit Plan:

Thus scheme was launched in 2002 and has AUM base on Rs 38 crores. In terms of portfolio mix, equity comprises 24%, while fixed income securities (debt and money market) 74% of the portfolio, with debt accounting for 48%. The balance is in cash equivalents.

Investors invested in equity oriented child plan (e.g. HDFC Children’s Gift Fund Investment Plan) can switch to debt oriented plan (e.g. HDFC Children’s Gift Fund Savings Plan) as they start approaching their children’s education or marriage goals.

Mutual funds are ideal investment options for planning your children’s futures.

We have seen that equity is the best long term investment choice for your children. As such good equity mutual funds through systematic investment plans (SIPs) are ideal investment options for your children as they are growing up. Long term capital gains in equity funds are tax free. You can even save taxes under Section 80C by investing in Equity Linked Savings Schemes (ELSS).