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Finnacle Institute is a trusted nationwide leader in finance professional courses. With more than two decades of expertise in building world class talent in the finance sector and powered by veteran faculties with strong industry connections we help you convert your ambitions into an impactful capital market career.
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Globally recognised and industry leading programmes for premium careers in finance and investment industry.
Finbridge®
Program
Finbridge® sets the benchmark for undergraduate finance education in India. Master real-world finance through live projects and industrial training that accelerates success in elite finance roles of Portfolio Management, Investment Banking, Equity Research, Institutional Equities, Family Office and Private Equity. With campus placements at esteemed firms it empowers students to become the youngest investment analyst in India.
Eligibility:
After 12th & above
Credential Awarded on Completion:
FinExpert (FE)®
Mode:
Physical and Live Webinar
Duration:
18 months classroom training and 9-12 months Industrial Training
Campus Placements:
Yes - 100+ campus recruiters spanning premier core finance firms of India
Campus Placement Packages:
Median: INR 8 Lakhs CTC
Highest: INR 13 lakhs CTC
Curriculum:
Divided into Base Stage (8 modules) and Advance Stage (8 core modules and 2 electives)
Curriculum Pedagogy:
Industry designed curriculum taught by experienced investing practitioners & senior corporate executives through real world case studies and live research projects.
Location:
Mumbai - Andheri and Grant Road
Surat - Vesu
Finplus
program
Finplus is a Master-level program backed by industry practitioners from leading institutions. Graduates earn the coveted FinExpert® (FE) credential and, through campus placements, they join a legacy of elite alumni network working in India's most prestigious firms in Portfolio Management, Investment Banking, Equity Research, Institutional Equities, Family Office and Private Equity.
Eligibility:
Third year undergraduate candidates & above and Working Professionals
Credential Awarded on Completion:
FinExpert (FE)®
Mode:
Physical and Live Webinar
Duration:
11 Months
Campus Placements:
Yes - 100+ campus recruiters spanning premier core finance firms of India
Campus Placement Packages:
Median: INR 8.5 Lakhs CTC
Highest: INR 16.5 lakhs CTC
Curriculum:
8 core modules and 2 electives
Curriculum Pedagogy:
Industry designed curriculum taught by experienced investing practitioners & senior corporate executives through real world case studies and live research projects.
Location:
Mumbai - Andheri and Grant Road
Surat - Vesu
CFA
program
The CFA designation is globally recognized in over 170 countries as the most respected qualification in investment management. Finnacle, led by India's most experienced CFA mentor Laukik Shah, is India's largest CFA classroom training provider with over two decades of unmatched experience. We consistently achieve superior results with pass rates up to 71%, significantly above the global average. Our Basic CFA Exam Prep focuses on mastering the curriculum for exam success , while our unique Advanced CFA Training (Finbridge®) program ensures not just clearing CFA exams but exclusive premium campus placements in core finance at some of the highest starting salaries.
Eligibility:
After 12th & above and working professionals
Credential Awarded on Completion:
CFA Charter
Mode:
Physical, Live Webinar and Pre-recorded
Duration:
3-3.5 Years for all 3 levels
Campus Placements:
Yes in CFA Advanced Training - 100+ campus recruiters spanning premier core finance firms of India.
Curriculum:
10 subjects in Level 1 & Level 2 respectively and 6 subjects in Level 3
Curriculum Pedagogy:
Conceptual clarity focus with live question practice along with a full time doubt solving support system. Backed by exhaustive test series & question banks
Campus Placement Packages:
Campus Placement Packages (CFA Advanced Training):
Median: 8 Lakhs CTC (Right after CFA L1)
Highest: 13 lakhs CTC
Location:
Mumbai - Borivali West, Andheri East, Andheri West, Dadar, Grant Road and Thane
Surat - Vesu
Finbridge® & Finplus
CErtified by finnacle
Graduates of Finbridge® & Finplus are awarded with the coveted FinExpert® designation- one of India’s most respected entry-level finance credential - a credential held in high esteem by more than 100+ marquee campus recruiters in top-tier finance fields.
Salary Packages
Finbridge® & Finplus Program
INR 16.5 Lacs
Highest Package for our Students
INR 8 Lacs
Median Package for our Students
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EQUITY RESEARCH
(ER)
Family office
(fo)
PORTFOLIO MANAGEMENT
(PMS)
INVESTMENT BANKING
(IB)
PRIVATE EQUITY
(PE)
institutional equity
(ie)
Mutual funds
(Mf)
Finbridge® & Finplus Program
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finnacle Students standout at cfa exams
Over 200 candidates ranked in the world's top 10 percentile in the past 2 years - the highest number achieved by any CFA training institute in India.
CFA Institute
Finnacle Institute
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LEVEL 1
45%
65%
LEVEL 2
45%
65%
LEVEL 3
Prerna Agarwal
CFA Level 1
SD Jain College
I am grateful to the amazing faculty at finnacle for making my CFA Level I journey so smooth. The way they explained concepts, kept us motivated and guided us throughout really helped me stay consistent. They prepared us really well for the exam with clear teaching, regular mocks and doubt solving sessions that made a huge difference. Honestly, I couldn’t have done it without them. Highly recommend it to anyone starting their CFA prep.
Sanya Jain
CFA Level 1
H.R. College
I was able to pass CFA Level I all thanks to Finnacle Institute. I like the way Laukik sir teaches and makes all concepts clear. I love that there are pre-recorded lectures so I can easily watch them to clear my concepts. Even all the chapter tests, subject tests and mocks were very clear and helpful. Even the planning and timeline given in class were the things that kept me disciplined. The app has a good interface and there were no issues. I am now preparing for Level 2 through the Finnacle Institute so I am very happy and hopeful for the future.
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CFA Level 1
NMIMS
I had a great experience at finnacle. The guidance and support by the team is very helpful and the material provided is very good and in depth. Will recommend to anyone giving cfa in the future.
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CFA Level 1
SD Jain College
My experience at Finnacle Institute was exceptional. The faculty explained every concept with remarkable clarity, making it a great learning hub for finance. Finnacle broadened my horizons by combining practical insights with academic knowledge, building both competence and a strong foundation for my career.
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![India should make a friend in China, not an enemy. Let’s understand why. Government is promoting make in India through various schemes like production incentives so that we manufacture in India.
Why? So that we hire more labours, we import less goods and we export more. But in order to import lesser and export more, our local goods must be much cheaper than China. To manufacture a cheaper final good, we need a cheaper raw material.
Now, we get raw materials at cheap rate if we buy raw material in bulk. 100 kg raw material price versus 10,000 kg raw material price, obviously will be cheaper. Now, if we buy raw material in bulk, we’ll have to manufacture in bulk.
And here’s the problem. Let’s understand with the example of an air conditioner case study. We need a compressor to make AC but compressor means we import from China.
And why? Because the entire size of India’s air conditioner market is 40 to 50,000 crores. AC companies generally make 6% profit. That leads to a 2,400 crores to 3,000 crores of cash.
A single company GREI in China makes a revenue of 2,18,000 crores and on a 12% profit margin, they generate 24,000 crores of cash. One single company. Because they manufacture in bulk, they have higher profit margins.
They are able to sell it at cheaper cost to the entire world. That is why China is the biggest exporter of ACs in the world. Now, India has two options.
Either maintain friendly relations from China, so that things like compressor, China keeps selling time to time or take risk, start manufacturing in bulk, even though India will not be able to sell the entire goods. But then we need to start exporting. Some smart companies like Daikin from Japan have already started doing that.
Daikin has announced a very big air conditioner manufacturing capacity in India. But they know they won’t be able to sell all the ACs in India. That is why they have decided to now export from India to the rest of the world.
[Economy, Global trade, Global economics, Macro economics, India China, Finance, Stock Market, Investing, Finnacle]
#economy #globaltrade #globaleconomics #macroeconomics #indiachina #finance #stockmarket #investing #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/484067596_18453237601077931_234654507244509417_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=105&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=b0kTkDfXUmoQ7kNvwEn8EGo&_nc_oc=Admuo1gOdPDQf9MdcJDGqpWVw1S02ZYSl3pnmMFbqX-_BI2dRjE4uOqZKFY5O7j24CM&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQGA2XdWP2-nhNlNJtLlbdkM33mXASdawgv8rJ7IsYGJXEQLGl_BzwI8ZQ4GbgA16vkjf0_esiOh&oh=00_AfwWbtltOVmFdit67k2dw7eM_O2UXom7GaE7D5PVgVm4Tg&oe=69AE90C9)
![Today, we will actually understand how understanding pin codes of India can help you make smarter and better investments. So India is actually comprised of two India: India 1 and India 2. India 1 is approximately 13-14 crore of population that earns anywhere between 6,000 , 8,000 or 10,000 dollars per annum where the rest of India generally earns anywhere between 1800 to 2000 dollars per annum. So a lot of people believe that India’s per capita income is approximately 2700 today. It will go to 10,000 dollars in the coming 10-15 years which is a common thing if the country grows at 8-9%, this is bound to happen. So as we become more richer, we’ll start behaving like rich countries like Japan, China, Korea. So what people think is that in China, 20 kilos of rice is being consumed per person. And in India, only 10 kilos of rice is being consumed per person. So when India will also earn like China, even we would be consuming more rice. Now that’s a stupidity. People eat noodles day in day out, we don’t. So we might never consume rice equivalent to China.
Hence a better strategy is if you look at people in India, there would be multiple pin codes in India today like in Mumbai, you’ll find multiple pin codes where the population on an average is earning 10,000 to 12,000 dollars per annum. So if we understand, let’s say the case study of quick service restaurants like McDonald’s, Pizza Hut, Domino’s A lot of investors say that as India will grow richer, they will start eating in more fancy restaurants and they won’t go to such pizza burger outlets. But when I see such Mumbai pin codes, I see the QSR chains like McDonald’s, Pizza Hut, Domino’s actually growing crazily even in those areas. So this gives us an investment idea whether India becomes more richer or not, such businesses are bound to survive in long term.
[Stock analysis, Stock picking, Economics, Macro economics, Micro economics, Finance]
#stockanalysis #stockpicking #economics #macroeconomics #microeconomics #finance #stockmarket #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/484010374_18452597116077931_3620777185935807988_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=105&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=bZSzHOTgKTUQ7kNvwFfn7dU&_nc_oc=AdkZjKldKiELKncDF19I1RnP8xWrjp-nb2jHpPKQ6MMS5_qADYr_ctjfUUubEO26oSk&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQEGTik3zW5qD-yJTiO52O1H-wmtQi9T3wCGU2O9BZhCBiTU7qcYXl6Eo6t6ItbToxjYIciDKKJy&oh=00_AfwGlbl4TMgMq9khdgQkL4GppY71KH3cDyqABowcbpyHBg&oe=69AE9D4B)
![This is India’s Amrit Kaal period have been stated consistently by everyone. From 2047 to 2053, we have got an opportunity to grow. But why this ending? Okay, let’s understand.The country has to understand to earn money in Indian equity markets. Population growth is equal to economic growth. Because people grow more, they consume more.
Now, population growth comes from two aspects, birth rate and death rate. The net net will get population growth rate. If 2% is birth rate and 1% is death rate, means more than 2% people are getting born.Whatever was the population, 1% of that people are passing away. So, net net your population is growing from 1%. Now, over a period of time, when birth rate declines and death rate grows up or remains stable, overall population growth starts slowing down.
Population starts getting aged. And such changes do not reverse. Singapore, Korea, Japan have been trying since decade to increase their birth rate, but it is not happening.Such things have also started happening in India. In a lot of urban areas, India’s birth rate has actually come lower than the death rate. That means slowly and steadily when India is growing old.
Today, our median age is 28. That means half of the people are young and half of the people are aged. Over the coming periods, 2047 to 2053, India’s median age will become 40.Now, history economics proved that above 40 years of age, people start consuming lower. Less car, less AC, less house. People’s requirement reduces.
That is why GDP growth slows down. So, if India today is standing at a per capita income of $2,700 and we want to become a developed nation, that is a per capita income of approximately $20,000. If we grow at 7%, then also in 25-30 years, we will be able to reach $12,500-$13,000.But if we grow at 9-10%, then we might be able to reach $20,000 per capita income by 2050. Now, the surprising thing is, in the last many years of data, India has never grown at 9% or above consecutively for two years. That is why the government has to kick-start the growth reforms.
[Indian Stock Markets, India growth, India economy]
#indianstockmarkets #indiagrowth #indiaeconomy #indiagdp #investing #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/483904717_18452213074077931_1983418643668278397_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=104&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=5AhZEPAp-xAQ7kNvwGcgAsw&_nc_oc=AdknTUz_okx-nRqITrA-xtocWwU_Dy6aEsYNTHtWryJxtCv4JNJR8vOsgGaQAG9Qw_o&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQFgrIcU84h7AiDj6yGS6R0FN24nyX_gvIUUCgjvRJsx78UapoMVf7Efgfu4n09_CvlnePOn80AK&oh=00_AfzfZkiu2xbXBXO9IVI-BpX9JK6f-IIapEyiZYA7ZTmomA&oe=69AE83E3)
![If as an analyst you want to analyze any particular segment of equity market has got very heated up or very expensive and some profit booking might happen, a very powerful indication to detect that is 5-year rolling return concept. What is that? At whatever period you are standing, you need to analyze, if you had invested in that index 5 years ago and held it, then what is the compound annual growth return of 5 years? For example, if you invested in 2005 and sold it in 2010, imagine small cap on mid-cap index was at 100, at the end of 2010 it was at 250, so your Compound annual growth return for 5 years will be 20%. At any point of time where you are standing, you have to calculate that 5-year return.
And the history suggests that whenever a 5-year return of any index has crossed more than 20%, it is bound to happen that profit booking will happen. Because generally equity markets in long term provide 12-13% return. So, 20-22% return actually is providing a lot of huge alpha.
Now, the reason could be anything behind selling, sometimes war, sometimes excessive valuation, sometimes margin selling by the retail investor, IPO boom, etc. But that has always majorly happened if you analyze the past data. And if we look at similar data in 2024 or 2025, so the 5-year rolling return of small cap, mid-cap index in 2024 had already touched 21%.
And the initial periods of 2025, if we compare the 5-year rolling return, it was at a staggering 26-27%. So, the market corrections should not be a surprise for all. And yes, we are not saying this after the correction.
We have been consistently guiding people regarding the small cap, mid-cap, IPO bubble in the last 4-5 months.
[Nifty50, Stock market crash, Investing, Indian stock market, Finance, Nifty, Finnacle, Stock Market correction, Sensex]
#nifty50 #stockmarketcrash #investing #indianstockmarket #finance #nifty #finnacle #stockmarketcorrection #sensex](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/483162454_18451238587077931_1872617034794381555_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=109&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=HRbcFvZ_F4UQ7kNvwESGVE4&_nc_oc=AdlLR9L9XxEU0OdHPo-MLtUsxHZsU7bKfG-SyzwBiypQ7EWFh6CNNBgH-BJpMJfy_H0&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQFciwgAh1xeJ-G1AfWoCQ2O_t0xvwUaAUqJBfRVJSIBUCeBN1KBJWzjyPkDG4wbs2mwPJrw0zyC&oh=00_AfywRdhOOXrnsPFDAQETUKigKo0KYP9DKdek838hAVVK4Q&oe=69AE9BAF)
![There is a lot of chaos going on in media regarding the selling that FII’s have been doing consistently in Indian equity markets but our point is do FII really matter that much today as they matter 10 years ago? Let’s look at some data if we analyze the last 5 year and 10 years of net inflows into Indian equity market FII’s have only invested 31 billion dollar cumulatively in last 5 years and 55 billion dollar in last 10 years. Now compare this to the amount of money that DII’s have put in the market in the last 5 years cumulatively. They have put in 129 billion dollars and in the last 10 years cumulatively they have put in 180 billion dollar. Approximately FII’s are putting in more than 3 or 4 times the money into Indian equity today as compared to FII. Even if we see the analysis of holding how much percentage of equity do they hold. There has been consistent decline in the percentage of equity held by FII from 22.5% to 17.8% of market today. Whereas the holdings of DII have actually gone up from 10% of the market to 17%. Even if we analyze one very super data point that in a one single year. More than 1 billion dollars of inflow who has put how many times DIAs have put in 7 times in the last 10 years. Whereas FII has only put in 3 times in the last 10 years. Yes, FII’s matter, but not as much as they used to.
[Investment, Foreign Investment, Finance, Stock market, Economics, Indian stock market, Macro economics, Finnacle, Micro economics, Finnacle]
#investment #foreigninvestment #finance #stockmarket #economics #indianstockmarket #macroeconomics #finnacle #microeconomics #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/482692030_18450901342077931_155113522533556306_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=103&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=b-mLPviOf0UQ7kNvwEAJS5W&_nc_oc=AdkNUNcTrVrnO8uNQytMaTikf2wvgrJTrlWEMzV3Oej0zXU2-ylb8gFAWeQQE7_MfN4&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQFsK4Z7YJ6dd2P3wGuSrORs98ChJdo2MEi4JjL-ode1oeXhsbgZmhA4KahHLh-sEgIVMKwCpmIc&oh=00_Afw6cDdAp5cKclbBG8Vb2nCAbAUUInsOBhLUfgVamPN2EQ&oe=69AE84A4)
![Although calculating financial ratios seems so easy, the ratios are freely available on a lot of websites, but financial ratios can lie and this is the main difference between a young starting investor and a mature professional investor. Let’s understand that with an example of return on equity versus incremental return on equity. So if you look at this number, return on equity means the amount of money you have invested in the business in the format of equity, how much profit are you earning on that? So here I have created some sample data, which shows a very stable business.
It used to earn 10% on equity, then 16% on equity, then it’s consistently earning around 20% return on equity. So a lot of young investors will see that wow, this is a very stable company, but a smart investor, an experienced investor will go one step further. They will go towards incremental ROE.
Now what is that concept? Whatever money you are putting incrementally in the business in a year, like from year 1 to 2, we have invested 200 more rupees in the company. The money we put in today, we get a benefit in the next year. So if you see the profit of the company, which put 200 rupees in its incremental this year, because of that next year the company’s profit increased by 100 rupees.
Similarly, in the 2nd to 3rd year, we invested 300 more rupees in the company. Because of this, in the 3rd to 4th year, the company earned 75 rupees additional. Similarly, in the 3rd to 4th year, we ended up investing 375 rupees more into the company.
Due to that, we again earned 75 rupees more in terms of profit. So what is incremental ROE? Incremental profit due to incremental investment. So if we calculate the returns based on how much extra we earned or how much extra we invested, you will see that consistently returns have started declining.
[Financial Ratio, Financial Analysis, Fundamental Analysis, Stock Market India, Stock Market, Investing tips, Finnacle]
#financialratio #financialanalysis #fundamentalanalysis #stockmarketindia #stockmarket #investingtips #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/482213318_18450536773077931_8705137765446061116_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=103&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=pH92Twbi2CoQ7kNvwFfWaMK&_nc_oc=AdlqDqu9xsqzUen4k_UO9b_gOA9ezRw504N4c3TPS_ubSsR_r2rnzBbBiMTSWn6zW4Q&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQFxa0kH8xH0NVhx4ceAIiyRB79WL-ag2RAeO-n3oHYNFqA4r_vhJEDSFr-LpHNRq3EbiUH3rkiE&oh=00_AfwCkS80IUK-RafrmrYoGhtVoHug6foTDijs9pceJzcfXQ&oe=69AE7A96)
![Although India’s economy macro factors like fiscal deficit, current account deficit, growth rate, inflation are all pretty good, why are still FI’s selling heavily? Let’s understand. Number one, because FI’s invest huge amount of money, they want large companies and they have very limited options in India. Approximately today there are only 565 companies with a market cap of more than 1 billion dollars, that is approximately 8000-9000 crore.
Actually such companies are called as small caps in America. So broadly they have options to invest in Nifty 500 companies only. The second biggest reason is currency depreciation and the effect of long term capital gain tax.
Imagine a US FI wants to invest in India, they want to invest 1 dollar. After converting at the exchange rate, they will invest 80 rupees in Nifty. We have assumed 1 dollar is equal to 80 rupees.
Now approximately Nifty goes up by 12% in a year. So their investment in rupees becomes 89.6. Now they will sell the investment. That will lead to a capital gain of 9.6 rupees and over in that tax of 12.5. So they will end up paying 1.2 rupees in tax.
So their net value of investment would be ending value minus tax that is 88.4. Now the American investor wants to convert the rupee back into dollar because in his country dollar only works. By the time he is converting, let’s imagine rupee fell, rupee depreciated. 1 dollar became 84 rupees.
So 88.4 rupees which he had, when he will go to convert, he will get only 1.05 dollars in dollar terms. That will be just a return of 5% whereas he earned in Nifty 12%. Now at a time when the American bonds which are considered as the safest asset class in the world.
They are providing him a return of 4% and Nifty struggling to provide double digit returns. He can earn 5% of India simply in his home country. That is one of the main reasons FIs are pulling back their money from India and taking it back to US.
[Investment, Foreign Investment, Finance, Stock Market, Economics, Indian Stock Market, Macroeconomics, Microeconomics, Finnacle]
#investment #foreigninvestment #finance #stockmarket #economics #indianstockmarket #macroeconomics #finnacle #microeconomics #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/482056583_18450204223077931_6383075708137324999_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=107&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=yPm4ijU3qSAQ7kNvwH_tD8f&_nc_oc=Adnp8eZQTvMuHzuyOlwbqq0P797hwRWbxBQJn1VR0VNAPzwTw9ajjFTFUe14csZIEE4&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQFZGc-m00-X-71igWSsNuICRRnUO_Nzv259ZffXYyNvW-OUUD-AmOsPuyVHYPJVhEvU4L0I5bXX&oh=00_Afw140YjAb7OTPbf0OZj-Lfvf58P7rd3Ozf8Z6ZdUql4rw&oe=69AE81A2)
![There have been consistent corrections in the past few months into small cap and mid caps and a lot of young investors are confused what to do with SIP to continue or to stop. Why this panic? Because 3 out of 4 SIPs which are running today have literally started in the last 5 years and such people have not seen a very big correction in equity markets. My personal advice for my money would be I would continue my SIP in mature good experience funds.
Why? Number one, let’s imagine I will show you various periods where dot to dot index has actually provided 0% return like December 7 to September 10, November 10 to November 13, January 18 to January 21 and so more. But if someone would have continued their SIP during this period, the returns for various period are clearly mentioned here. You have sufficiently on reasonable returns even with continuing SIP in a falling or a stable market.
Second data point, let’s imagine there is some investor who starts the SIP when Nifty falls by more than 20% in the last one year versus there is some investor who is starting his SIP when Nifty small cap index has risen by more than 20% in the last one year. The return difference in both the kind of investors is hardly 2%. So the edge really is the psychological one.
I know a lot of people would be seeing their SIP in negative returns today. Those who have especially started in last one and a half year. But it is part and parcel volatility is part and parcel of Indian equity market.
Till the time we don’t become the next Japan where population is not growing, GDP is not growing in the long term of 8 to 10 years, the returns would be sufficiently well.
[SIP, Mutual Funds, Investment, Stock Market, Finance, Investing, Indian Stock Market, Finnacle]
#sip #mutualfunds #investment #stockmarket #finance #investing #indianstockmarket #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/481483465_18449752273077931_1757815706072363665_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=109&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=oZr0wZhaGIgQ7kNvwFo8ewt&_nc_oc=AdlPAcXF_Xfq9-8FuvvHAzCnXr22PK_B_XxwELSeohk6O1e2amVWkSTHF-Sf2zDnRgE&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQEifnA5YklO09wvf5hm6dXL2qrQ0d2sRQD3SxtdTpZorRWpBWjb94d5fenpzEWgEtRwm87UPy62&oh=00_AfxqG-em8rKHz9ZVZVUtslCm4l8tBfzDeqN51fensYttZw&oe=69AEA871)
![We warned you 10 times in the last 6 months that small cap and big cap markets might correct a lot. We at Finnacle don’t believe in post-mortem analysis, that explain the event after it has happened. We believe in teaching people in a pre-mortem manner, that how you can learn to detect events earlier . If you see the sequence of reels that we posted on 23rd May 24, we guided people, don’t have FOMO, it’s okay if returns are low but these are very high levels of valuation. On 2nd August, we removed this myth that Nifty never gives 12% returns, the returns of Nifty can anywhere be between 7% to 12% per annum.
On 23rd August, we helped you understand the market madness, how every Aera Gehra Nathu Gehra stock was growing up and from September 24, markets consolidated and started correcting a bit. On 26th August, we explained you why everyone who is investing in thematic funds like defence fund etc. is a very wrong timing, the stocks have already risen a lot.
On 30th August, we helped you understand that large caps might be a bit safer place to invest in current market. On 10th September, we helped you understand how to spot sector bubbles where a lot of just revenue growth stocks were getting high valuation but they were not generating much profits and cash. On 16th September and 5th October, we helped you understand that don’t buy stocks just looking at growth, also look at valuations of the stock.
On 21st October, we helped you understand how to identify market’s top because corrections started severely from December and January period. In December, we helped you remove a myth that SIPs won’t be able to save market corrections. A lot of people argued with us but look what is happening today.
Now, if you actually want to understand, you have learned that yes, you should invest after doing a good fundamental analysis. On 9th January, we posted a reel on what are the right kind of sectors that a young fresh investor can start studying. So please watch that.
[Nifty50, Investing Tips, Stock market, Indian Stock Market, Finnacle, Stock Market Crash]
#nifty50 #investingtips #stockmarket #indainstockmarket #finnacle #stockmarketcrash #smallcapcrash #midcapcrash](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/480550000_18448903453077931_3937154284176564793_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=104&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=_FE5a0A8arMQ7kNvwFq83J5&_nc_oc=AdnIew8AdLKWivkc7pKFR_QhqWrxqjOVQ9eHbaQVTXwvL89TmuX1UG-8wZU_IT9d8xI&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQGK6oAWS6ErnWhbvCF43fjrfd2-rTEUXQB5wsJXkYkAxb2W3v8FTBNWMh7TG9kpQX_e58wL4iAJ&oh=00_AfwF7HRQqfdblqEudwufKB3BgA592b2xLrc1je8HZfPbqQ&oe=69AE81E7)
![Trump, China, India tariffs—these four words have been blasted by the media since Trump got elected. Let’s understand their effect. Imagine both India and China export to the U.S. China manufactures something for 3 Yuan and sells it for 7 Yuan. If 1 dollar equals 7 Yuan, China sells to the U.S. for 1 dollar. Since manufacturing costs more in India, India sells at 1.5 dollars.
This makes Americans buy more from China than India. Then Trump imposes a 50% tariff on China, making its goods cost 1.5 dollars. Consumers, now paying more, get irritated. They don’t want to spend extra for the same products.
To counter this, China prints more Yuan, increasing supply and depreciating its value. If the Yuan depreciates to 10.6 per dollar, China can sell for 0.66 dollars. With a 50% tariff, the price returns to 1 dollar, keeping its exports competitive despite the tariff.
Meanwhile, India struggles because a weaker Yuan makes Chinese exports cheaper. To stay competitive in the U.S. market, India may also need to devalue its currency and adjust to the new economic reality.
[Stock market, Tariffs, Tariff, Trade war, India US Tariffs, US Trade war, Trump, US tariffs, Global Trade, Modi Trump Meet, Modi USA visit, Finnacle]
#stockmarket #tarrifs #tarrif #tradewar #indiaustarrifs #ustradewar #trump #ustarrifs #globaltrade #moditrumpmeet #modiusavisit #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/480405898_18448578619077931_9198933876495017856_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=111&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=qjWqddS-O04Q7kNvwHt04q5&_nc_oc=Adny5hGndi9GWNwuvuExH1A3JFaTMBR8pKqPwXs2WOZFECre5QJ8ErGNHQ2ZhDqQ1mg&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQEjP_FVMXQnQVQFfaZkud2LTtcEV1Sn2S9bMZVM2DKwaEuyPNhRhQ8LW8zaZET5LsL8b8OEusAx&oh=00_Afwu7YqYWXexpV2F5JJzfOBGx70UiCP6sudhFrMg-HZF-w&oe=69AE9B22)
![A lot of investors are confused that why even in a growing Indian economy, FMCG stocks are not performing well. Let’s understand with an example. So, let’s imagine this is P&L of a company.
They make 100 rupees of revenue with 20% of profit margin, leading to a 200 rupees of profit. Now, a company has majorly two options if they want to increase profit. Number one, grow revenue, correct? Or number two, grow profit margins, correct? Now, if we want to focus on growing revenue, there are broadly four options, correct? Either increase the number of users, or increase the usage, meaning the same people are buying more quantity, or help them buy premium product, or help them sell a complementary product with an existing product.
For example, people do toothpaste more, but that’s done now. Usage means toothpaste twice a day, so the quantity of toothpaste will increase. Premium means, now buy a toothpaste, expensive one, which is more whitening in nature, or with salt.
And for example, along with toothpaste, buy a teeth cleaner as well. So, that is how revenue is grown. Now, if you see the basic FMCG categories in India, tea, soap, shampoo, detergent, here the growth that was to come on the user base, that has come.
So, the only way to grow top line is to increase usage, or create more premium products, or develop new products.
[FMCG stocks, Growth Strategy, Investing strategy, Stock picking, Stock Analysis, Finance, Investing, Finnacle]
#fmcgstocks #growthstrategy #investingstrategy #stockpicking #stockanalysis #finance #investing #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/477687202_18447767158077931_7054446591578125417_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=110&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=Lfh31rJWF-IQ7kNvwGL_7qf&_nc_oc=Adnnw5MzwfQC9S6fhff5lfZY6kaNnDhJPgq1hRtBlbnkHBmr1dYHxH1lFo_jkUjG-O4&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQGh272Az5IS-GD6B4mH-5YEmeDQtDnrXH4Ejpn0sTrgDWle3c556-aQASMtpXkd73rki75h2rqE&oh=00_AfzW49leBYobFMnVQ1da8E0b2v0nQmW4wipUybBR6gXH8Q&oe=69AE8138)
![As an investor, never come in, you know, talks of management, you know, this management is very visionary, he’s talking about outstanding growth targets, he’s talking about great plans,you know, promoters often give a lot of talk. But in the end, the reality of business, how quality it is, should be reflected in return on capital employed of a company. So if consistently for the last 10-15 years, you are seeing the ROCE of a company consistently below 12-13%, means is hardly able to make a return on capital.
But in bull markets, you know, a lot of great speeches are being given about the great future of the company. Please be very sure before believing them. A lot of money is actually lost by investors by coming, you know, mixing this emotion with the fundamentals of a company.
[Stock Analysis, Stock Market India, Indian Stock Market, Finance, Investing, Finnacle]
#stockanalysis #stockmarketindia #indianstockmarket #finance #investing #finnacle](https://scontent-den2-1.cdninstagram.com/v/t51.75761-15/475983183_18446296726077931_5560256305964820786_n.jpg?stp=dst-jpg_e35_tt6&_nc_cat=102&ccb=7-5&_nc_sid=18de74&efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&_nc_ohc=qNiQCQTGjEQQ7kNvwHdOaU3&_nc_oc=Adm4qafy70Ek5tLzgeBPHT7z0XWNG_HH4zg0O0L4LncZxeu_WkVctut_hViwoJeKqEM&_nc_zt=23&_nc_ht=scontent-den2-1.cdninstagram.com&edm=ANo9K5cEAAAA&_nc_gid=LBSwu-NfzzOWLkkEppzIZw&_nc_tpa=Q5bMBQEexUhABsq7w_DgpCO7IIU8v8Abh-CIKRACGbHocEYGUmxuOyCcEYWi6LvsbJbp75k7_1pvSDye&oh=00_Afw_YFiR66jM2OwU0pLZa-zogxoLHDuzgP0QoGRqwGktYA&oe=69AE9A96)
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