PEACEFUL INVESTING

Hi everyone! I’m not a SEBI-registered analyst. Everything I share is just for educational purposes. I don’t focus on short-term market moves — I’m a long-term investor and speaker. Few of my thoughts on Long Term investments why one should try it

How Share Prices Move Up in the Long Run

In the long term, there’s only one thing that truly matters: profits. When you buy a share, you’re buying a tiny ownership in a real business. And like any business owner, what matters most is the company’s ability to grow profits over time.

Why Active Trading is Tough

As students, we were naturally lazy. But as investors, we become restless—checking prices, following news, and reacting to every market move. Ironically, the one place where laziness could make us rich—long-term investing—is the one habit we often ignore.  Consider this: ₹10 lakhs invested at 26% return, taxed and brokered yearly, grows to ₹17.5 Crores in 30 years. The same amount, invested long-term with taxes and brokerage paid only at the end, grows to ₹87.7 Crores. Short-term costs and constant trading quietly destroy wealth, while patience lets compounding work its magic. 

The Magic of Compounding

Albert Einstein called compounding the “eighth wonder of the world”: “He who understands it, earns it; he who doesn’t, pays it.” Even small, consistent investments can grow immensely over time. Saving just ₹300/day, increasing yearly with inflation, can turn ₹2 crore invested into over ₹13 crore in 30 years.

Why No One Talks About Long-Term Investing

The financial industry thrives on noise. News channels, brokers, fund managers, and social media influencers profit from your activity, not your wealth. Calm, long-term investing doesn’t generate headlines or revenue, so it’s rarely promoted.

Index Investing - Simple Way to Invest in Equities and Outperform Many Experts
I personally believe index investing is the simplest and most effective way to participate in the stock market. You don’t need to pick individual stocks or predict the next big winner. Through an index fund, you automatically become part-owner of the best companies in the country — those that grow, adapt, and create wealth year after year.

I have done my Master class on "INDEX INVESTING" which focus on long term equity investments via Index Funds.
                                    

Direct Investment in Equities
Direct Equity: Simple, But Not Easy Direct stock investing isn’t bad — in fact, it can be deeply rewarding. But it’s not as simple as buying a few popular names and hoping they grow. To succeed, you need clarity, logic, and patience.

Over time, stock prices follow company profits. So, if you want to invest directly, focus on one key question: Will this company’s profits double in the next 3–4 years? If yes, and if the stock is available at a fair or discounted price, you may have found a good opportunity.

The Common Mistake Most investors buy stocks based on tips or buzz, not understanding even basic facts like market capitalization. For example, MRF’s share price is ₹1,50,000, and Zomato’s is ₹300 — yet Zomato is about five times bigger in market value.
Stock price alone doesn’t determine a company’s size or worth. A Simple Framework for Direct Investing

1. Study the Company
   Understand what it does, how it earns, and who runs it. Read its balance sheet and annual report. Evaluate critically — don’t just accept what management says.
2. Build Conviction with Logic
   Ask: Can its profits really double in 3–4 years? This is a game of probabilities, not predictions.
3. Value the Stock
   Compare the price with its true worth using simple tools like the P/E ratio or industry comparisons.
4. Wait for Your Price
   Great companies often become affordable during market panic. As Warren Buffett says, “Be fearful when others are greedy, and greedy when others are fearful.”
5. Invest and Wait
   Once you’ve found quality and value, invest — then stay invested. Let time and business growth do the work.

The Real Work Behind “Simple” Direct equity investing demands reading, analysis, and patience. One annual report can run over 250 pages — and you need to study several years’ worth, plus competitors, to truly understand a company. If you skip that homework, investing turns into guessing. That’s why many people prefer index investing — a simpler, diversified way to grow wealth without deep analysis. For those willing to put in the effort, direct equity can be a rewarding journey. But remember — it’s simple, not easy. 

If you’re serious about learning more about direct equity investments—such as reading balance sheets, cashflow statements, ratios understanding different valuation methods, and exploring various long-term investment frameworks—check out my Masterclass on Stock Market Investments.

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