Why is there a big yawning gap between what you want from your investments and what you actually do
You want to become rich, claim your financial freedom, YES. But your actions say otherwise.
You chase one hot investment after another without any commitment, with little understanding.
This is the reason investment returns never turn into investor returns, your returns.
It means that while a stock that you invested in went on to become a multi-bagger, you bailed yourself out when it delivered just the first 100%. For you, it became too hot to handle.
It means that you invested in real estate to see it deliver multi-fold returns, but you could only manage a Bank FD like return through your entire holding period. The costs of maintenance and taxes pushed the yield down further.
It means that the 20 mutual fund schemes (with multiple schemes in each category) you have in your portfolio for diversification and wealth building are actually defocusing the portfolio and will not deliver more than market returns.
I am sure you can recall many more.
Have you heard of compounding? Compounding is the biggest reason that not so rich became rich by accumulating wealth.
Now do you know mistakes compound too?
Make enough of these mistakes and your dreams of ‘not working for money anymore‘, “control over my time“, ‘start something on my own‘ and even ‘living life on my own terms‘ may remain just that…dreams.
Unless you start to ask.
#1 How can I stop taking random decisions and have a more structured approach to my investments?
#2 How can evaluate an investment and ask better questions before I commit money?
#3 How can I claim my financial freedom, my time for myself and do things that I love to do?
My own experience
As an Investment Adviser, I have worked with hundreds of individuals over the past several years.
I am astonished to see watch these otherwise well-meaning, smart people. On the one hand they make great progress with their careers, on the other hand, they have a shallow approach to money and investments. Even they are not immune to the ‘yield chasing‘ behaviour.
As I thought through this, the one big reason I identified was that we are actually never prepared to deal with “money”.
All our emotions and actions related to money are driven by what we see around, what is peddled by headline seeking media and the commission chasing bankers who never fail to paint a rosy picture of the future.
Then the ticker of the stock market keeps us busy on a moment to moment basis and we just fail to come out of that addiction.
We fail to take it account the real things, the important things, the things that matter to compound our money over years and build wealth.
We forget what is real risk because we never talk about it meaningfully.
Most of this can be attributed to the lack of training and understanding about investing.
Decisions made with an unprepared mind pushes the money to go anywhere, even to the point of no return.
And whose money? Yours!
If you are in your 30s or 40s, you are looking at another 40 to 50 years of investment decisions.
What kind of decisions will you make?
If you make more mistakes than good decisions, you are on the path of negative compounding.
If you are smart enough to avoid mistakes and make a few real good decisions, you will be on your way to not only achieve your goals, faster but also build enough wealth to claim your financial freedom.
You can do it all by yourself, working hard over the years, making your own mistakes, learning from them and hoping that you achieve what you set out to.
Alternatively, you can be a Money Master.
So, if you want to take the reins of your investments, your money and your financial success in your own hands, I suggest that you read on.
Money Master – Your claim to your financial freedom
Use a step by step approach to take the guesswork out of your money decisions and build a winning investment portfolio
Money Master program is designed to take your investment decisions to a whole new level. In this online program, you will practise step by step, with my guidance, all that it takes to make the best possible investment decisions that are aligned to your goals and values.
It is designed to help you master the decision models which enable you to build your own winning investment portfolio.
The best part is that you prepare your mind to be able to see the good, the bad and the ugly of investing.
With the Money Master program, this is what you do:
- Stop those money leakages on your investments and convert investment returns into your returns
- Use known investor tools to take the guesswork out of your investment decisions
- Securely meet the important financial goals in your life
- Create your own winning investment portfolio (across instruments)
- Achieve your financial freedom
Let’s see what the program has in store for you – the details.
What do you get with Money Master
In just one sentence, Money Master helps you master the key tools used by investment experts to build your own winning investment portfolio.
You will use frameworks the really smart investment guys and start applying them for yourself. The idea is that over time, as you do this, you will develop a ‘thinking moat‘. This moat will give you a super advantage in your investing decisions for the next few decades as you enjoy your financial freedom.
To do this, here’s what you will go through in Money Master program.
#1 THE MONEY MASTER INSIDER
This is the core part of the program where we go through in detail about 50 investment products. You will not only understand how these products function but also what tools do you use to make sense of them and decide if they should be a part of your investment portfolio.
You will understand time value of money, work with cash flows and risk.
In this module, you get:
- Threadbare analysis of over 50 investment products and options (across insurance, ULIPs, NPS, mutual funds, stocks, bonds, international investments, structured products and Bitcoins too)
- 32+ Audio and Video content including notes in PDF and Word documents (so that you can read and revise anytime, anywhere). This includes topics of time value of money, risk, understanding and valuing cash flows, interest rate and many more.
- Excel Templates, Workbooks & Case Studies (Apply and understand better + the worksheets help you commit all key things to mind). Heck you will learn to even build your own calculators for analysis.
- Exclusive Member Discussion Forum with an exclusive community of investors to discuss various approaches to investing
- Q&A sessions to discuss your queries
You can see the outline below this page as well as the sidebar. Click to expand the sections. There is more coming up.
#2 BUILD YOUR FINANCIAL FREEDOM PLAN
With your subscription to Money Master, you also receive my BONUS 3-step module “The Ultimate Financial Freedom Plan”.
This covers several lessons from all my experience with clients over many years. You will deal effectively with aspects of financial security, growth and freedom.
Smart people, like you, think, plan and execute with a super focus on execution. It’s not the ideas but their execution that makes the difference.
This is the plan with which you can free yourself from the tyranny of a salary and live a life at your own terms.
#3 PERSONAL PHONE CONSULTATION FOR 30 MINUTES
Yes, for 30 minutes, any time during the duration of the course, you can have a free flowing or a focused discussion about your money, personal finances, worries and joys. You can choose to discuss anything within the program or outside it.
30 minutes of my time, all yours, exclusively.
And a lot more that will come your way through the course in the endeavour to become a smarter investor.
Do you know the course is already witnessing learning and activity with the existing members from 2017? There is activity, discussions, learning and transformation.
Here’s what a current Money Master member says:
I joined Money Master in August 2017 and honestly, I didn’t know what to expect. However, six months into it, I am glad that I took the decision to enroll. Money Master is helping me to develop the right ‘mindset’ and has provided me with a ‘framework’ to analyze my financial decisions. For instance, I am now able to understand and appreciate risk much better than I used to. With the fundamental concepts and investor tools developed by Vipin, I was able to confidently work out my retirement plan. The programme is well-thought, interactive, and most importantly designed to make you ‘think’ and take ‘actions’. I am truly excited about learning and doing more in the coming weeks, and making the right decisions towards attaining financial freedom. Thank you, Vipin, for creating Money Master!
One thing is very clear. With Money Master, your overall approach with money and investment decisions is going to be transformed.
To revisit, with Money Master course:
- You will evaluate every investment product like a pro.
- You also build your ultimate financial freedom plan.
- Get personal consultation time with me to discuss your own investment strategy.
Over 1 year of the course duration, you will receive various modules including themed activity, Q&A sessions and consultation. You also have an option to finish the course faster too, say 6 to 9 months. To each his own.
It is not as much about finishing the course as it is about using the learning to make a difference to your investments and your financial freedom. It is about the next few decades.
How do I subscribe to and access Money Master?
The first batch of members to Money Master came in Aug 2017 and then in Feb 2018. It was a limited member set after which the gates were closed to new members.
The course will open again in Oct 2018.
I look forward to work with you to help you transform as an investor and claim your own financial freedom.
PS: Have questions? Please do write to me at firstname.lastname@example.org or call me at +91 9920371082.
Forum Activity: Your Personal iOS – Investment Operating System
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