At the outset I wish you and your family members a very Happy, Healthy, Peaceful and Fulfilling 2018. Since couple of years I had been writing and trying to give relevant information with regard to investing and other behavioral aspects needed to be a successful investor.

On the eve of coming New Year once again, I would like to touch upon some basics inspired by below quote by Ben Franklin.

Either you can write something that’s worth reading or you can do something that’s worth writing.

Hope with all your support and blessings, I endeavour to achieve the first one.

Importance of Behaviour:

Every one of us in life goes through success and failure in both professional and personal lives.

It is our behavior which defines us how we had taken care of them and emerged as winner.

In the same manner to be a successful investor nothing else matters more than one’s behavior in good and bad phases of markets.

There are periods in the last several years, when I asked to invest in equities, at times mentioned not to worry about volatility, stay on course and maintain proper asset allocation etc. Those who are investing since more than 5-10 years have seen the benefit of the same.

Bull phases (Rising markets) and Bear phases (Falling Markets) of stock market are inherent nature of the equities and for that matter any asset class.

One needs to stay long haul in order to reap benefits of long term investing by following a proper asset allocation. Invest based on your needs and requirements.

After a good run up in the markets, at this current juncture I once again reiterate to check your overall asset allocation and re-balance the same according to your risk profile. Use this opportunity to come out from unwanted and high cost insurance products from your portfolio.

Do Needful in your Circle:

Rising markets has brought new set of investors by seeing past performance, ignoring the risk part. My sincere request to all is, (As many of you are seen couple of up and downs cycles) if possible to do make aware your family and friends not to get swayed by past returns and invest with a short term view, and not ready to stomach decline of 20%-40% in their investment values in their investing journey.

Hardly 2% percentage of population invests in equities. You are one among them. Out of them very small fraction of people really stay put for long haul and reap the benefits of equity investing. Fortunately you are all on the right path with proper asset allocations in place.

Keep continuing the journey…All the best.

“Knowing what to leave out is just as important as knowing what to focus on.” – Warren Buffett