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External Validation Is Quietly Increasing Stress in Today’s Generation

In today’s generation, many people spend too much time worrying about what others will say. We think about how our lives look on Instagram, how many likes a post gets, and whether we appear successful enough in front of friends, classmates, and even strangers. But the truth is that this constant need for approval only adds pressure and slowly takes away our peace of mind. What matters more is the opinion of people who truly know us, especially our parents and family. Their support and understanding are far more important than the random approval of people who only see our lives from the outside. Still, many of us get trapped in the habit of measuring ourselves through external validation. The more we chase it, the more anxious we become. This pressure does not stop with social media. It reaches into our education, our careers, and even the way we judge ourselves. We start thinking that marks, college names, job titles, and salary define our worth. In reality, this kind of thinking crea...
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Opportunity Cost

Mistakes are an integral part of our life, and when it comes to the stock market, these are even more common. The goal is to reduce these mistakes as much as possible. I have  missed several opportunities in the last 3-4 years that had cost me to gain a significant amount of money. When I look back, I regret not recognizing those opportunities at the right time. The Case of Zomato: A Lesson in Hesitation One of the biggest opportunity costs I have paid was missing out on Zomato . When Zomato launched its IPO, I was completely uninterested due to its high valuation and lack of profitability. I started tracking it from its listing price of ₹126 , but I found the valuation too high for a serious investment. From July 2021 , the stock began to decline, reaching ₹40-50 . I observed it closely, analyzing its balance sheet multiple times. I still remember listening to Samir Arora in an interview mentioning that Zomato was a good buy at that price. At that moment, I was 80% convinced that...

Course on Fraud Trading

Firstly, I am not a trader. I have not made a single trade in my life until now. My job is to be a full-time investor.      Let's take a look at the actual issues. Now a days trading became so popular in Assam. Specially, the selling of trading-related courses have became so popular. But it has been seen that a lot of fraud is happening in various parts of the India for the last few years. It’s so sad to see that the so called "trends" came so lately in Assam and people also get trapped in those.     Presently t here has been a large amount of fraud in the market, but people are not aware of it. So be very careful in trading your hard earned money. A lot of fraud come in front of the market, so do some analysis and try to figure out the real possible way to make money in the stock market.      From few days I have been seeing a lot of videos on the Assamese YouTube channel, but I have not found the answers that I have been looking for. Let's revie...

Compounding L to Cr

Initially, the magic of compounding cannot be seen in a small portfolio. It begins to display its magic once it reaches a certain level. All that is necessary for that is penitence, discipline, and an optimistic mind. Many negative factors can come, but being invested in the market can make a great deal of money.      Let's move on to the primary topic. When we reach 10L, we begin to observe its outcome. The rule of 72 states that if we have a 24% compound annual return, we can double our money in 3 years ( To know the rule of 72, click  here   ) . I know that 24% a year is not an easy task for regular people, but it is not impossible. Such a return is easily achievable if someone invests their time and energy and is truly passionate about it.      Let's say on 10L we get a 24% return. Then, after a year, we will get using the compounding formula,           Here, P= 10,00,000/-       ...

Rule of 72

People who belong to the equity market or any financial market know about the Rule of 72 very well. This is one of the basic principles that everybody uses. This one is nothing more than a simple illustration of how quickly money will double at a given interest rate. It works by dividing 72 by our annual compound interest rate and seeing how many years it will take for our investment to double. But this one is only applicable to compound interest rates or any compounding calculation. Any index that compounds, like inflation, population, credit card interest, loan interest, and so on, can be used with this formula. Basically, the formula is;               Number of years to double = 72/ annual interest rate           For instance, if I consider someone who can earn an annual interest rate of 8%, their money will double in 72 x 8% = 9 years. Similarly, we can also use this one in the case of GDP growth. If Indian...

Management

I think in investing, identifying the management is one of the toughest steps I generally face. Identifying the right management is one of the longest processes. No one can identify the management in a week or months. Sometimes it takes years and years for people like me. Every time, a hidden fear appears within me, as if I misidentified the management or paid the wrong price. I know that making mistakes is normal in the equity market. I made lots of mistakes in the past and have made new mistakes. As time passes by, I am just trying to improve myself and become more conscious so that I will not repeat those mistakes that I have made in the past.      I think that management is one of the most important parts of equity investing. If I pass this step, then I think my majority of work is done. Management is like a driver for me. Let's say I have to go from one place to another. Only a perfect driver will know which road is best, which road will use less fuel, or wh...

Mutual fund: Which one is best !

       A few weeks ago, I was reading a research report on the mutual fund industry, uploaded by one of the best brokers, Motilal Oswal. Though I am not a big fan of mutual funds, as I am in the same industry, sometimes I read some reports. I have come to know that the best performing fund in a particular year will not be on top in the next 3 to 5 years. This is the reality of the Indian fund industry.      If we look at the history of the Indian mutual fund industry, the best performing fund in 2009–11 was ranked 162nd in 2012–14. The best performance in 2010–12 was 123rd place in 2013–15. The best performance in 2011-13 was 172nd rank in 2014- 16. If we see the performance of the funds, it will be clear that the top 10 funds of a particular year will not be in the top 50 in the next 2-3 years. Now the question is: why does this happen?      It is human nature for everyone to want to be with the best. So, when we have lots of o...