Malfunctions of My Brain by Antony Trackfinder

Trimurti of Hinduism are Brahma, Vishnu, and Shiva.
Trinity of Christianity comprises Father, Son, and Holy Spirit.
Triratnas of Buddhism are Buddha, Dharma, and Sangha.
Last but not the least, The Three Pillars of Sikhism are Naam Japna, Kirat Karni, and Vand Chakna.

These are deeply religious concepts. A million interpretations can be derived from these triadic structures in the religious context.
When I read about these words from the scriptures, I felt that there are 3 important guiding principles in most of the religions that a believer has to follow. The significance of these teachings reverberates another part, the 4th and the most important, human beings. Without the fourth the other three have no meaning.

These thought-provoking teachings of the scriptures took me on a journey to the domain I am associated with. The wealth building advisory services.
What are the 3 important aspects for creating wealth?
Why would one be investing instead of saving?
Should one follow philosophy of investment or theory of wealth management?
Should I practice DIY by investing time or should I appoint a torch bearer as my navigator?

Questions galore. Answers are one too many and none the same.

My search for the pillars to wealth creation ended with over three dozen key information and surprisingly none fits into the elimination round. The only option I had was clubbing them into 3 and finding a better alternative keyword. Here is what I could come up with.

Strong Economy of a Country.
Investors’ Insatiable Hunger.
A Smart Farmer to Plant Your Seeds.
….. and the 4th is Wealth Creation.

I shall try to explain my thoughts about them as simple as possible. If you find another perspective, I am more than willing to accept and work on it.

Strong Economy of a Country
“Equity never fails, our greed and impatience does. Stock market is the reflection of a country’s growth, a pessimist will disagree, but it’s okay.” I wrote this on 26 May 2016.
I penned the above when the Sensex was at 26900 and now it is at 77200.
The reason for me to consider this as the first factor of wealth creation is due to India’s centuries-old tag as an under developed or emerging country.

India’s inherent value is still not quantified. We had Kohinoor, Spices and enormous quantity of Natural Resources. We have temples that can be valued in millions of dollars. We have the youngest populace of the world. We are the best white collar manpower producing country. I have an endless list of best among the best parameters to bet your money on.

When we put all of them together, India is a paradise for people who have a wealth creating mindset. No sector in India has reached its peak. That is one of the biggest reasons for foreigners to flock to India for investing their funds.
We have a 1.4 Bn consumption-oriented population to manufacture, supply and earn. What more does one need to know about the gigantic opportunities growing around us?
In the last 10 years, India has maintained an average GDP of 6-7%, demonstrating its immense potential. Notably, the highest growth rate was 8.7% in 2022, while the lowest was -6.6% in 2021.
India’s economy continues to evolve, and projections indicate that it could reach $6 trillion by the end of this decade (2030). This growth reflects the country’s resilience and determination to overcome challenges and seize opportunities.

I have been bullish ever since the days of my IndiaBulls life. I am not slowing down. I don’t want you to do either. Stay invested and reap the benefits.

Investors’ Insatiable Hunger
This is central to the concept of wealth. “Feeling Rich” and “Being Wealthy” are not the same. If you want ‘Freedom’, create hunger for “Time’. Time in hand is the greatest freedom one can attain. When you have time, you leave a legacy for generations to harp on your vision and your steadfast demand for appreciating assets in your portfolio.

I have seen many people worry about the amount of Tax they pay. They are least bothered about the appreciation they generate from the amount they have earned. Tax is a certification that you are earning. Then make that post tax earnings to work for you 24×7 for another earning, popularly known as Capital Gains. No Earning, No Tax. Bhook ithna badavo, ki denewala chappar faad ke de.

Monthly investment via SIP in Mutual Fund Industry is now at ₹20000 Crores.
The 3rd generation investors are now part of many families.
Portfolio management and delayed gratification is slowly moving into the households.

You need to create a stomach as big as India’s growth story, as large as your dream, as wide as your aspirations.

A Smart Farmer to Plant Your Seeds
There are two sides to this parameter, both as important as the other one. One who owns the land and the other one who sow seeds for a bumper harvest. The relationship between the investor and advisor is like a Chinese Bamboo Tree Growth Story. The money an investor park in funds may not yield immediate returns, however, given adequate time, it can grow to unimaginable proportions.
An advisor’s job is to keep your money safe from unnecessary risks, facilitating its growth with the market and rolling return to its ideal best. Once all the boxes are checked in terms of risk and reward, the wealth creation is just an outcome of the labour he puts in.
Recently one of my investors asked me to invest in safe funds as he was not willing to take risk. My answer stunned him, “Why don’t you stay with FD and RD, I do not wish to invest my time on a low yielding product where my expertise is not required.”

It is not just the professional competency that needs to be taken into account, one has to build a long lasting trust with the advisory firm. “Money is yours, Risk is mine”, that is the ultimate meaning of “Smart Farmer to Plant Your Seeds”.

Best live example of how a Risk-Reward-Meter works in wealth creation is illustrated here for you.

10 Jan 2011 SIP started for ₹1000 for 15 years.

12 Aug 2013 (31st Month)
Invested Amont = ₹31000
Value of Fund = ₹28926 Abs. Return = -6.69%
10 Jun 2024 (Current Month)
Invested Amont = ₹1,58,000
Value of Fund = ₹11,61,039 Abs. Return = 634%

Now we come to the 4th which is Wealth Creation.

Wealth gives you the freedom of time, space and wings. It is the metamorphosis of an individual for the patience displayed over the years for staying focused and enjoying the journey of wealth creation. Our advisory philosophy is while you work from 7 am to 7 pm for a salary, we will make your investment work for you from 7 pm to 7 am for another source of income.

Remember these words of wisdom, “Every regular investment you do in Mutual Funds, you buy a comfortable day of retirement in the future”.

Participate in the activities that we conduct on a regular basis like:-
Good Day To Invest, Auspicious Day Investment, Birthday Investment, New Born Baby Gift Fund, FIRE and Family Goal Planning, Cash Surplus and Lifeline Calcy, Dividend Stocks Portfolio, 2nd Source of Income, Investor Awareness Program, Family Risk Evaluation, Next Generation Induction and last but not the least, SIP enhancement and Portfolio Restructure.

The aim behind all these activities is to make sure that you are in line with the Market and Economy. You may read a lot of quotes, strategies and planning by the wizards of the financial industry. However, quotable quotes and plannings remain just mere words if you fail to adopt the essence of it into your life and change the lives around you by giving a new purpose to your existence.

Regards,
Antony, The Wealth Farmer
Trackfinder Financial Services LLP

For Portfolio Management, Family Wealth Protection, Child Wealth Creation and Early Retirement Planning, contact on below numbers.
Ms Roman Miranda (Director & Advisor) +91 9969828224
Mr Sharon Nair (Manager) +91 7700993224
Mr Akshay (Relationship Mngr) +91 7777097212
Ms Ruchita (Relationship Mngr) +91 7400406212
Mr Dipesh (Relationship Mnger) +91 7400404212