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TheWealthWisher (TW2)

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investment musings

Why you need to balance risk and return on investments

by Radhey Sharma

investment musings

Return and risk on investments

Risk and return on investments are often a neglected couple when it come to an investor’s portfolio. You either focus on risks or just returns. Risk-Return concepts are poorly understood. In fact, if you think for a moment, you will realize that most of the investors focus much more on returns and less on risk.Read More

Battered and bruised in H1 2012 and investment tips for H2 2012

by Radhey Sharma

investment musings

The first 6 months of 2012 are drawing to a close. If you think for a moment, then in January 2012, all of us must have made many promises to ourselves about how we would invest our money and follow a disciplined investment strategy. A lot of investors might have set higher expectation from the stockRead More

Live Example – how a chartered accountant fleeced an investor

by Radhey Sharma

investment musings

Chartered Accountants are not financial planners

A peer friend of mine had written an article sometime back on why a chartered accountant cannot be a financial planner. The truth hit me home hard when a prospective client came in through my door with a question – “I cannot pay the premiums of my insurance policies”. I dug into the case andRead More

What are the Passive Income ideas in India ?

by Radhey Sharma

investment musings

Passive Income Ideas India

Passive income ideas in India are not a rage unlike the western countries. In the West, you have individuals doing more chores to accumulate that extra buck each month. Passive income is income that gets generated when you don’t have to work for it regularly. Imagine for a moment, how nice it would be toRead More

It’s Time for Long Term Debt in Portfolio

by Radhey Sharma

debt mutual funds, investment musings

Long Term Debt Mutual Funds

The RBI Monetary policy of 2012-2013 sounded the onset of rate cuts in India and with that came the certainty that interest rates will reverse in the future. What impact does this have to your overall financial planning ? The stock market is still gyrating like a loose tick tock clock in 2012; real estateRead More

Frugality and Personal Finance

by Radhey Sharma

investment musings

Frugality and Personal Finance

Frugality or a frugal way of life is often misunderstood as being miserly, devoid of the joy and pleasures of life where one tries to save as much money as possible for the future. Talk about frugality and personal finance and you are often met with criticism, especially by guys in their early 20s :Read More

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WealthWisher Financial Advisors (Also referred as The wealthwisher.com or TW2) is an Advice platform, where we help an individual, managing personal finance in easy and smart manner & taking informed decision . The person managing WealthWisher Financial Advisors Mr. Madhupam Krishna is a SEBI registered Advisor. Post advise, one can execute transactions with your banker, stock broker or agent/ financial intermediary. We also offer transaction services through various associations, at a substantially lesser cost to our clients, as compared to other financial intermediaries, so that you start your financial plan with savings. WealthWisher Financial Advisors may earn commission or distributor incentives for providing transaction services or referring customers with third party service providers as per customer’s agreement. Our recommendations rely on historical data. Historical/ past performance is not a guarantee of future returns. The information and views presented here are prepared by WealthWisher Financial Advisors. The information contained herein is based on our analysis and upon sources that we consider reliable. We, however, do not vouch for the accuracy or the completeness thereof. This material is for personal information and we are not responsible for any loss incurred based upon it. This document is solely for the personal information of the recipient. The products discussed or recommended here may not be suitable for all investors. Investors must make their own informed decisions based on their specific objectives and financial position and using such independent advice, as they believe necessary. While acting upon any information or analysis mentioned here, customers may please note that neither WealthWisher Financial Advisors nor any person connected with any third party companies or service providers of WealthWisher Financial Advisors, accepts any liability arising from the use of this information and views mentioned here. Each recipient of this document should make such investigations as they deem necessary to arrive at an independent evaluation of an investment in the securities of the companies referred to in this document (including the merits and risks involved), and should consult their own advisors to determine the merits and risks of such an action. Stocks in the equity portfolios are filtered at various levels. Initially, the stocks are filtered on the basis of the size of the company and the sector of the company. The company's fundamental parameters are tested using various parameters related to inventory days, employee cost, power cost, taxation etc. Finally, the volatility in the price performance as well as the future growth prospect is viewed and accordingly the stocks are classified in various portfolios. While building Mutual funds portfolio, factors like size of the funds, the historical performances (return) of the schemes, expenses ratio ,the sector in which the scheme invests and volatility are considered.
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