The Profit Prism

What Will You Learn from This Blog How mutual funds help you build wealth through global uncertainties Why staying invested long-term works better than reacting to headlines How mutual funds outperform short-term decisions in the face of crises The value a mutual fund advisor brings during market noise Is the News Making You Anxious About Investing? Nifty at 22,000: Trade War begins Nifty at 23,000: Currency War begins Nifty at 24,000: India-Pak War begins Nifty at 25,000: Israel-Iran War begins And yet, the market keeps rising. Why? Because wealth is built on discipline , not on daily headlines . Headlines Change. Wealth Grows Quietly. Crises come and go. Markets correct and recover. History shows long-term investing beats fear-driven decisions. Mutual funds are designed to help you grow wealth despite volatility . Why Mutual Funds Stay Strong Through Global Events They invest in a diversified mix of assets Managed by professionals who know...

( Name changed to protect investor’s privacy) Background Name: Ramesh Sharma (name changed) Age: 36 Profession: IT Consultant Goal: Build a retirement corpus of ₹2 Crores by age 60 Initial Approach: Self-directed stock picking, media-based investing Phase 1: Before Guidance — Ramesh as a Do-It-Yourself (DIY) Investor (2017–2021) Market Event: Nifty Volatility during 2018–2020 Minor bear phases in 2018 (IL&FS crisis), followed by the COVID crash in early 2020 Nifty fell around 40% from Jan to Mar 2020 Ramesh’s Reaction (DIY Mode): Bought a few trending mid-cap stocks in 2018 based on TV recommendations Suffered losses when markets corrected — sold at a loss out of fear In 2020, panicked during COVID crash — stopped his direct equity SIPs completely Tried to time the recovery, but re-entered late, missing the rally Felt exhausted and confused, with just ~3.5% CAGR after 4 years Turning Point: Ramesh Meets a Certified Mutual Fund Adv...

( Name changed to protect client privacy ) Background Manoj , a 35-year-old self-employed interior designer, had dreams like everyone else— a good education for his child, owning a home, retiring with dignity, and building wealth. He earned well but admitted: “I was good at managing client spaces, but not my money.” His investments were limited to savings accounts and traditional insurance plans. After a recommendation from a friend, he met a mutual fund advisor who helped him align his investments with his life goals. Goal 1: Child’s Higher Education (10-Year Horizon) Need : ₹25–30 lakhs for his daughter’s future education Advisor’s Plan : Start a ₹12,000 monthly SIP in a diversified equity fund Why : Equity offered higher long-term returns and could beat education inflation Result : After 10 years, the corpus grew to ₹27+ lakhs at 11–12% CAGR Advisor's Tip: Education costs rise faster than general inflation. Start early and stay regular Goal 2...

(Name hidden for privacy – we’ll call him “Raj”) Profile Overview Profession: Senior Software Engineer at a tech firm in Bangalore Age: 32 Monthly Income: ₹1.5 lakhs Risk Profile: Moderate Financial Goal: Build a ₹5 crore corpus in 20 years for early retirement Time for Stock Research: Very limited due to workload and family life Raj’s Problem Raj was investing in stocks based on tips from YouTube channels and online groups. This approach led to several issues: Unstable returns and missed opportunities Losses in hype-driven stocks Time-consuming tracking and anxiety No structured plan for long-term wealth building He knew he needed guidance but wasn’t sure where to turn. The Turning Point One day, while listening to a podcast, Raj came across Warren Buffett’s essay The Superinvestors of Graham-and-Doddsville . Key takeaways that stuck with him: Long-term market-beating performance is possible — without relying on luck All Superinvesto...

Disclaimer: Names and locations have been changed to protect privacy. What Will You Learn in This Blog? How a small-town girl used mutual funds to transform her life Practical examples of how salary, savings, and SIPs work together Step-by-step journey from first job to financial freedom Role of financial awareness and mutual fund advisors Realistic investment goals you can relate to A strong recap and lesson you can apply today The Inspiring Story Begins In a quiet village near Thanjavur, Tamil Nadu, lived Kaveri , a single mother working tirelessly under the 100-day job scheme and doing cleaning jobs at the local panchayat. She earned just ₹7,000–₹8,000 a month, barely enough to support herself and her only daughter, Revathi . Despite the odds, Kaveri had one dream: to educate her daughter and break the cycle of poverty. Revathi studied in the local government school and later earned a seat in a government engineering college through sheer determination an...

What Will You Learn? Why past losses don’t define your future as an investor How to rebuild confidence in mutual fund investing The real reason behind losses A practical checklist to restart your investment journey How to use mutual funds the right way to build wealth Scared to Invest Again After a Bad Experience? You’re not alone. Many investors enter mutual funds with excitement — only to see red in their portfolio when the market drops. They panic, exit at a loss, and then lose faith in investing forever. But here’s the truth: the market didn’t fail you — the strategy did. This blog will help you reset your mindset and restart investing the right way. Why Past Losses Happen — and Why They’re Not the End Markets go up and down. That’s their nature — not a mistake. Most people lose money when they: Invest with the wrong expectations Panic during market corrections Exit too early without giving funds time to recover Chase short-term trends with...

What Will You Learn? Why tracking your mutual fund portfolio is just as important as investing How long you should wait before evaluating your funds How to evaluate equity and debt mutual fund performance Key checklist points to decide when to remove or replace a mutual fund When to seek help from a SEBI Registered MF Advisor Already Invested — But Don’t Know What’s Happening with Your Money? You're not alone. Many investors start off excited — they invest in mutual funds through a friend, app, or bank. Months go by… years pass… but they’ve never checked how those funds are doing. If this sounds like you, don’t worry. This blog will help you gain clarity and take control . How Long Should You Wait Before Evaluating a Mutual Fund? A common mistake is checking fund returns too early. Mutual Funds are long-term investment vehicles. Here’s a rule of thumb: Equity Mutual Funds – Wait at least 12 to 18 months before evaluating Debt Mutual Funds – Can...

What Will You Learn? Why idle savings in a bank or FD aren't enough to build wealth How Mutual Funds help your money grow without demanding your time The importance of calculated risk to beat inflation A final verdict to help you act with confidence Is Your Bank Balance Growing, But Not Your Wealth? You work hard. You save diligently. Your bank balance looks solid. But here’s the reality — your money isn’t growing . It’s just sitting there. Safe… but sleepy. Most people fall into the same trap: saving instead of investing. They park their money in a Savings Account or Fixed Deposit (FD) and assume it's working. In truth, it’s barely keeping up with inflation . This blog helps you move from comfortable saving to strategic investing , so your money doesn’t just sit — it grows. Why Bank Savings and FDs Are Not Enough Savings accounts offer 2.5% to 4% interest. FDs offer around 5.5% to 7%. Sounds fair — until you realize inflation in India is 5% to 6%. ...

What Will You Learn? Why most investors feel overwhelmed by too many investment options A clear comparison between Mutual Funds and other popular investment choices in India Who should ideally invest in each asset class Why Mutual Funds can be the most well-rounded simple option for wealth creation A final verdict to help you invest with confidence Are You Confused Where to Invest Your Hard-Earned Money? You earn. You save. But when it comes to investing, you're stuck. Should I go for a Fixed Deposit? Maybe Gold? What about Stocks or Real Estate? This is a common dilemma for Indian investors — and it’s completely understandable. Before we go further, let’s make one thing clear: We’re not here to say Mutual Funds are the best investment for everyone. Every asset class has its own role, strengths, and relevance. However, if you consider what most individuals truly need — simplicity, accessibility, goal-oriented returns, and professional management — Mutual Funds ...