Wealth of Wisdom - WOW

Gen Z has another issue to tackle - and this one is closer to them... the rise in borrowing for personal consumption.

A Trishul has three points. Personal finance also needs three: 1 Liquidity — money for today’s uncertainties. 2 Stability — protection for what you have built. 3. Growth — money working towards tomorrow’s dreams. The mistake is focusing on only one. Too much liquidity, and money stays idle. Too much stability, and inflation quietly eats away at purchasing power. Too much growth, and volatility can disturb the journey. Wealth is not created by finding one perfect investment. It is created by getting the balance right. Balance today. Freedom tomorrow. Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Mutual Funds are subject to Market Risk. Read all documents before investing. #DontRetireRich #PersonalFinance #WealthCreation #FinancialPlanning

Photo from Srikanth Matrubai

Photo from Srikanth Matrubai

*PM Modi’s 80th Independence Day Address — “SAPTA DHARA”* From the Red Fort today, PM Modi unveiled “Sapta Dhara” — seven streams of strength to accelerate India’s journey towards Viksit Bharat @ 2047: 1️⃣ Manufacturing — Make in India, global-scale production. 2️⃣ Agriculture & Food Processing — Higher farm productivity & food security. 3️⃣ Technology & Innovation — AI, semiconductors, R&D & digital economy. 4️⃣ Gati Shakti — Infrastructure, logistics & connectivity. 5️⃣ Defence — Aatmanirbharta & indigenous defence capability. 6️⃣ Green & Blue Economy — Clean energy, sustainability & natural resources. 7️⃣ Soft Power — India’s culture, knowledge, values & global influence. *The message is clear: India’s next growth cycle will not depend on one sector — it will flow through seven powerful streams.*

WHEN HALAHALA CAME OUT OF THE OCEAN, SHIVA DIDN’T STOP THE CHURNING. He absorbed the poison. Because poison came before nectar. Investing is no different Markets will have crashes. Bad news will come. Fear will spread. Geopolitical shocks will occur Unexpected events are inevitable. You cannot stop the churning. But you can prepare yourself to absorb the poison without giving up on the nectar. That is what good financial planning does. It doesn't eliminate the shock. But it does give you the strength to survive it without letting it destroy your financial life. Like Shiva. Absorb the poison. Don't let it destroy your financial roadmap. That is how wealth survives & compounds. Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Mutual Funds are subject to Market Risk. Read all documents before investing. #DontRetireRich

10 years back DOSA ₹10. Same DOSA ₹100 TODAY. Your True Independence Day is THE DAY YOU LOOK AT THE MENU AND DON'T LOOK AT THE PRICE. Not because prices stopped rising. Because your wealth grew faster than your cost of living.      Financial independence is about reaching a stage where money stops deciding what you can afford.    Today, we celebrate the freedom our country won. As investors, we should also work towards the freedom we want. The freedom to order what we want, live where we want, travel when we want…& all this without first checking the price. That is financial freedom. Happy Independence Day. Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Mutual Funds are subject to Market Risk. Read all documents before investing. #DontRetireRich

DON’T FEAR RISK MANAGE IT A snake around Shiva’s neck looks dangerous. But Lord Shiva is not fighting it. He has brought it under control. That is how investors should look at risk and volatility. You cannot eliminate market volatility. But through asset allocation, diversification and rebalancing, you can manage it. Risk is not the enemy. Unmanaged risk definitely is. Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor | Mutual Funds are subject to Market Risk. Read all documents before investing. #DontRetireRich

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**The market does not reward you for being clever. It rewards you for staying invested.** Look at what 21 years of data analysed by Abakkus Mutual Fund tells us. If you simply stayed invested, the CAGR was 13.67%. But if you tried to time the market and missed only the 10 best market days, the CAGR fell to 9.75%. It means...... You don't have to miss 100 days. You don't even have to miss 50. Just 10 of the best days in 21 years. And your long-term wealth creation changes dramatically. The lesson is not *“never review your portfolio.”* It is: **Don't confuse staying invested with doing nothing. And don't confuse market timing with intelligence.** In investing, sometimes the biggest mistake is simply being out of the market when the market decides to move. Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor Mutual Funds are subject to Market Risk. Read all documents before investing. #DontRetireRich

Photo from Srikanth Matrubai

https://srikavimoney.blogspot.com/2026/07/the-wet-floor.html Sometimes life doesn't need another mop... It needs a torch. Because what keeps troubling us isn't the puddle we can see.....it's the tiny leak we've ignored for years. The same is true for our finances. A story every investor should read.

SEE BEYOND THE OBVIOUS We all have two eyes. One sees the return. The other sees the headline. But an investor needs a third eye. What is hiding behind this return? A 15% return does definitely looks attractive. But what risk did you take? How much volatility came with it? Lord Shiva's third eye reminds us: Wisdom is seeing what others overlook. Don't chase the highest return. Understand the risk and volatility behind it. Hence we say Don't invest with only your eyes. Invest with your third eye. Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor | Mutual Funds are subject to Market Risk. Read all documents before investing. #DontRetireRich

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*DIRECT TAX COLLECTION UPDATE | FY27* ➖➖➖➖➖➖➖ 🇮🇳 Direct tax collections as of 10 Aug 2026 *• Gross Direct Tax Collection:* ₹9.55 lakh crore →Up 19.75% YoY vs ₹7.97 lakh crore last year. *• Net Direct Tax Collection:* ₹8.11 lakh crore →Up a strong 23.09% YoY vs ₹6.59 lakh crore. *• Corporate Tax (Net):* ₹2.70 lakh crore →Vs ₹2.26 lakh crore last year. *• Non-Corporate Tax (Net):* ₹5.07 lakh crore →Vs ₹4.11 lakh crore last year. *• Securities Transaction Tax (STT):* ₹33,824 crore →Vs ₹22,354 crore last year — strong growth in STT collections. *• Refunds:* ₹1.43 lakh crore →Up 3.79% YoY. _*Net direct tax collections have grown 23.09% YoY so far in FY27, indicating strong tax revenue momentum.*_

GOLD +7% IN A WEEK. WHAT’S REALLY GOING ON? Three forces are pushing it higher: 1. Central banks are buying. Gold reserves continue to increase. 2. The world remains uncertain. Geopolitical tensions are keeping safe-haven demand strong. 3. US rate expectations are changing. Weak jobs data is increasing expectations of easier monetary policy. So, More demand + more uncertainty + lower-rate expectations = stronger gold prices. WHAT SHOULD INVESTORS DO ?? Should you buy gold because it is rising — or own gold because it has a role in your portfolio? There is a big difference. *Always Understand the purpose.* Srikanth Matrubai | ARN-51423 | AMFI Registered Mutual Fund Distributor | Mutual Funds are subject to Market Risk. Read all documents before investing. #DontRetireRich

Don't wait for the last-minute rush! The due date for filing ITR 3,4,5 & 7 (having business or professional income and not subject to audit under the Income-tax Act, 1961) for A.Y. 2026–27 is 31st August 2026. 🔗 File now: www.incometax.gov.in

The Chinese were sold the dream two decades ago that *"If you do not purchase property today, you've locked out your future"* Roughly 70% of Chinese household wealth was tied up in real estate. Property prices skyrocketed but then, As home values dropped, consumer confidence plummeted, *leading to weak domestic spending.* *Approximately 80 million home units in tier 2 to tier 5 cities of China are unused and locked* Despite being the second most densely populated state, Even if the entire American Population were to shift to China today, they'd still get fit. *Do you think India could face such scenarios in Tier 2 & 3 locations with rapid urbanization?* _~Written by CA Dinesh Kamath_

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