Understand Education Inflation

 IIM MBA fees in 2007 – ₹4,00,000

In 2024 – ₹27,00,000

IIT B.Tech (CS) fees in 2007 – ₹1,00,000
In 2024 – ₹10,00,000

MBBS in a private college in 2007 – ₹20,00,000
In 2024 – ₹60,00,000


That’s education inflation!

On average, across India, that’s about 12% inflation per year.

Which means costs are doubling every 6 years.

This isn’t to scare you.

But it’s something every parent should be aware of.

And while IIT, IIM or MBBS may not be every child’s path — the point is simple: whatever path they choose, it’s going to cost more than we think.

We all want to give our kids the best shot at quality education.

But that dream needs a plan.

Here’s what you can do depending on your child’s age:

1. If your child is under 9:
– You have a long-time horizon (8–10+ years)
– Start a SIP in equity mutual funds
– Given the long duration, you can allocate assets as:
80% Equity | 10% Gold | 10% Debt.
– Increase investments yearly as your income grows

2. If your child is 10–12:
– You still have a good 5-7 years
– Go for a mix of equity and debt with lower risk, still some growth.
– Allocation: 30–40% Equity | 5–10% Gold (optional) | 60–70% Debt

3. If your child is 13–16:
– The goal is near — focus should be on capital protection
– Shift completely to debt instruments:
90% Debt Funds | 10% Cash/Bank Deposits (for immediate needs)
– Avoid equity and market-linked volatility

Some simple reminders:

– De-risk 2–3 years before college — move from equity to safer options
– Consider international index funds — useful for diversification + currency benefit

You may not know exactly what your child will pursue — but not preparing because of that uncertainty? That’s a risk in itself.

Even if you can’t save 100% of what’s needed, even a partial cushion can help reduce student loan stress later.

Remember,
Starting early and staying consistent can make a big difference later.

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Equity Research Institute


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Top Regrets of Not Investing or Saving by 50

 

💸 Top Regrets of Not Investing or Saving by 50

1. “I Wish I Started Earlier”
   – Compounding works best with time. Many realize too late how even small early investments could have grown substantially.

2. “I Can’t Retire When I Want”
   – Without savings or investments, retirement becomes uncertain or impossible, forcing people to work longer than they'd like.

3. “I Missed Out on Financial Freedom”
   – Travel, hobbies, or lifestyle choices often stay out of reach due to financial limitations.

4. “I Have to Depend on Others”
   – Without a financial cushion, people may have to rely on children, relatives, or government support—something many find humiliating or uncomfortable.

5. “Medical Costs Are Killing My Peace”
   – In their 50s, health issues begin to rise, and without insurance or savings, medical expenses can become a heavy burden.

6. “I’m Stuck in a Job I Hate”
   – No savings means no flexibility. Many feel trapped in stressful or unfulfilling jobs just to survive.

7. “I Didn’t Teach My Kids About Money”
   – Some regret not being financially literate enough to pass on smart habits to the next generation.

8. “I Didn’t Build Assets”
   – Owning a home, a stock portfolio, or even a small business becomes much harder to achieve later in life without early planning.

9. “I Always Lived Paycheck to Paycheck”
   – The stress of never having a buffer takes a toll mentally and emotionally over time.

10. “I Could’ve Lived a Better Life With Just a Bit of Discipline”
    – Many realize it wasn't about big money, but small consistent habits they ignored—budgeting, investing, or avoiding unnecessary debt.

IMPROVE YOUR TRADING PSYCHOLOGY

 Improving your trading psychology is crucial for long-term success in the markets. Here are top tips to help you master your mindset and level up your trading game:

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🔑 1. Develop a Trading Plan (and Stick to It)

• Define your entry, exit, risk management, and position sizing rules.

• Avoid impulsive decisions and emotional trading.

🧠 2. Control Emotions

• Recognize when you're feeling fear, greed, or revenge.

• Step back during emotional highs or lows—discipline > emotion.

📉 3. Accept Losses as Part of the Game

• Every trader loses. The key is to manage losses, not avoid them.

• View losses as learning experiences, not personal failures.

📊 4. Journal Every Trade

• Log your trades, reasons behind them, emotions felt, and outcomes.

• Helps identify patterns in behavior and improve decision-making.

🧘 5. Practice Mindfulness & Self-Awareness

• Meditate, take deep breaths, or go for a walk before trading.

• Calm mind = clear decisions.

📚 6. Educate Yourself Constantly

• Keep learning from books, courses, and mentors.

• The more you know, the less emotionally reactive you'll be.

🔄 7. Avoid Overtrading

• More trades ≠ more profits.

• Quality over quantity – trade only when conditions match your setup.

💼 8. Treat Trading Like a Business

• Don’t chase excitement or treat it like gambling.

• Have performance reviews, track metrics, and constantly improve.

🚫 9. Don’t Compare Yourself to Others

• Every trader has a different journey.

• Focus on your own growth and consistency.

🧩 10. Focus on Process, Not Just Profits

• Great trades aren’t always profitable—and profitable trades aren’t always great.

• Follow your process religiously; profits will follow.

Financial Tips

 Things You MUST Do If You are Getting Rich

1) Keep quiet

Your first instinct will be to tell everyone.

Don't.

The moment people know you have money, you become a target.

2) Pay off all existing debt

• Student debt
• Credit cards
• Home Loans
• Car loans

Wipe the slate clean (& don't create new debt thinking you can just pay it off).

3) Don't quit your job (yet)

The satisfaction of telling your boss to take a hike would be incredible…

But avoid the urge to “burn the boats.”

Having structure and purpose prevents the spiral that leads most people back to 0.

You can leave at any time (don’t rush it).

4) Let the money sit for 6 months

This sounds extreme, but it's crucial.

Your emotions need time to process this.

Make An Emergency Fund

5) Invest in financial education

If you want to stay rich...

You need to understand money.

Most fortunes are lost through ignorance

6) Get comfortable, but not "rich"

Pay off your home (don't buy a mansion).

Drive a nice car (but not a Luxury).

The difference?

One improves your life, and the other creates new expenses that slowly bleed you dry.

7) Invest in your health

Money is worthless if you're not alive to enjoy it.

• Hire a personal trainer
• Buy higher-quality food
• Get a full medical workup

Good health extends the runway of your wealth.

8) Trust proven systems

The wealthy stay wealthy by putting their money in proven systems managed by professionals.

They don't try to beat the market.

They leverage expertise and let their money work for them 24/7.