Preeti Kapoor

Warren Buffett's Investment Strategy Warren Buffett is one of the most respected and popular investors of all time. What made him an investment legend? What is his secret to success? Warren Buffett's Philosophy There are some of the most important Buffett investing principles are: 1. Look for a margin of safety - A principle of investing in which an investor only purchases securities when the market price is significantly below its intrinsic value. When the market price is below your estimation of the intrinsic value, the difference is the margin of safety. The margin of safety allows an investment to be made with minimal downside risk. 2. Look for quality - Don't invest in junk, struggling businesses. It's far better to buy a wonderful company at a fair price than a fair company at a wonderful price. 3. Don't follow the crowd - Best way to invest is to ignore the crowd entirely and focus on finding value on your own. 4.  Don't fear market crash and correction

 Risk of  investing in unlisted companies An unlisted company is a company that is not listed on the stock exchange. Unlisted companies are privately owned that has not yet gone through the IPO. Unlisted stocks are a financial instrument that is available for trade on over-the-counter markets. The risk associated with unlisted investments are as follows: Risk of investing in unlisted companies Loss of capital invested Loss of capital is the biggest risk when investing in the equity of unlisted companies. So investors need to be financially able to absorb any losses. Illiquidity Unlisted shares are highly illiquid. They are not on the stock exchange where multiple buyers and sellers are trading them. No regulatory framework There is always a huge counterparty risk as no regulatory is involved. There is no fair market price that can be tracked. People who invest in unlisted stocks do not enjoy the safety and protection provided by SEBI. Lack of transparency  There is no transparency in t

 Prepaying your Home Loan Pre-closing the home loan means closing the loans before the completion of actual tenure Home loans are usually availed for a long tenure by borrowers to minimize the EMI pressure.  Prepayment is a facility that allows you to repay your home loan before the completion of your tenure. Prepaying your home loan means savings on interest and reduction of principal outstanding. Usually, customers opt for prepayment when they have surplus funds. Pre-closing a loan means clearing off your dues with a single payment. Prepayment means making part payments on your loan over and above your EMIs. Before Prepaying your home loan The interest rate at a record high Compare your return on investment with the cost of a home loan Repay higher-cost loans first Consider your cash need for emergencies, goals When to Prepay home loan Interest rate record high The higher part of EMI goes towards principal repayment Bulk income, bonus incentives received Prepaying your home loan Ther

Lesson from Rich Dad and Poor Dad Introduction Rich Dad represents the independently wealthy views on work and money. Poor Dad represents the traditional view on work and money.   Key Lessons The poor and the middle-class work for money. The rich have money to work for them. The rich dad says, "Money works for me" Every dollar that you have not invested is a dollar that does not work for you. Think of each dollar as your employee that can work twenty-four hours a day. It’s not how much money you make that matters. It’s how much money you keep. Rich people acquire assets. The poor and middle class acquire liabilities that they think are assets. The money without financial intelligence is money soon gone. Financial intelligence is key. Always develop it. Working all your life for someone else can lead to financial struggle.

Silver ETF silver exchange-traded funds Silver not only acts as a precious metal but also has many industrial uses. Its demand spans jewellery, industry, and investment. Silver ETFs will enable small investors too to participate in the rally of the commodity. Market regulator SEBI, in its board meeting on September 28, approved the launch of silver exchange-traded funds in India.  So, far only gold ETFs have been available. Like gold ETFs silver ETFs too will give the benefits of price efficiency and liquidity. Currently, Indian mutual funds are allowed to launch ETFs tracking gold.  SEBI approved an amendment to mutual fund rules to enable the introduction of silver ETFs. The silver ETF will be backed by physical silvers. This will increase the existing volumes of silver and bullion index as many arbitrage opportunities will exist with the introduction of silver

      Investing Tips to become Successful Investor                                             Tips that make it easy for you to invest Investing can be one of the best ways to grow your capital.  Ultimately it offers you financial freedom. "Never depend on a single income, make an investment to create a second source."-Warren Buffet Investment tips to become a successful investor are: - Define your reasons for investing - Invest in what you understand      - Never invest in a business that you cannot understand."- Warren Buffett - Buy and hold a stock      - If you are not thinking about owning a stock for ten years, don't even think about owning it for ten minutes."-Warren Buffett. - Be willing to learn - Don't follow the herd - Have a plan     When do I want to retire?     Sources of income?  - Know the difference between price and value     - Price is what you pay, value is what you get. - Review and rebalance your portfolio regularly - Take your risk to