The Power Couple's Road to Real Estate Riches!

 The Power Couple's Road to Real Estate Riches!


The Power Couple's Road to Real Estate Riches!
The Power Couple's Road to Real Estate Riches!
The Power Couple's Road to Real Estate Riches!

The Power Couple's Road to Real Estate Riches!

By K Karthik Raja (Market Educator & Technical Analyst)
MCA | MBA | M.Com | MSc Psychology | PGJMC | CST | MDAT | CFA Pursuant

Ever wondered how couples can build wealth together and secure a future of financial freedom? Here’s a simple, smart strategy to make it happen!

Meet Ajai & Keerthiga – The Smart Wealth Builders
Ajai and Keerthiga, a young couple in their late 20s, decided to save ₹20,000 each per month. In just 2 years, they accumulated ₹9.6 Lakhs—just enough for a 15% down payment on a ₹70 Lakh home.

They moved into their new home and enjoyed the comfort of homeownership. But their vision was bigger!

Smart Move #1: Rent & Repeat!
After 2 years, they rented out their first home and used the rental income to help pay the EMI for their second home.

Now, they had:
* A steady rental income
* A second house under their name
* A growing real estate portfolio

5-10 Years Later…
Fast forward a few years, Ajai & Keerthiga now own multiple properties worth crores! Their rental income covers their EMIs, and they’re on the path to financial freedom—earning money while they sleep! 

The Secret Formula for Couples
1️⃣ Save ₹20K each per month
2️⃣ Buy your first home (₹70 Lakh property with 15% down)
3️⃣ Live in it for 2 years
4️⃣ Rent it out & buy your second home
5️⃣ Use rental income to support EMIs
6️⃣ Repeat & build a real estate empire!

Start Today & Build Your Dream Life!
If Ajai & Keerthiga could do it, so can you! Start saving, investing, and building wealth as a team. In a decade, your future self will thank you!

Disclaimer: This report is for informational purposes only and should not be considered as financial advice. Please consult with a professional before making investment decisions.


K Karthik Raja's Profile - Rupeedesk Consultancy

K Karthik Raja's Profile - Rupeedesk Consultancy

Unlocking Financial Growth: The Strategic Vision of K Karthik Raja

Innovative Wealth-Building Concepts

🚀 Super Assets: Smart Strategies for Multiplying Wealth – A Proven Approach by K Karthik Raja
💰 Super Wealth Stocks: Capturing Market Momentum for Exponential Growth


Professional Profile: K Karthik Raja - Rupeedesk Consultancy

K Karthik Raja - Rupeedesk Consultancy
K Karthik Raja - Rupeedesk Consultancy
Professional Profile: K Karthik Raja - Rupeedesk Consultancy

Meet K Karthik Raja – Founder, Rupeedesk Consultancy

K Karthik Raja is a highly respected financial expert with a distinguished career spanning 19 years. As a former SEBI-registered Research Analyst, he has played a pivotal role in shaping investment strategies and market education in India. Currently, he is advancing his expertise by pursuing a Portfolio Management Services (PMS) License from SEBI India.

With a robust educational background—including MCA, MBA, M.Com, MSc Psychology, PGJMC, CST, and MDAT, along with an ongoing CFA certification—Mr. Raja blends financial acumen with psychological insights to offer a holistic approach to wealth creation and investment strategies.

Beyond market analysis, he is a dedicated financial educator, conducting seminars, webinars, and authoring books to empower young investors, women, and professionals with essential financial literacy skills.

Professional Credentials & Certifications

NISM-Series-VIII: Equity Derivatives – National Institute of Securities Markets
NISM-Series-XV: Research Analyst – National Institute of Securities Markets
NISM SEBI Investor Certification – Enhancing investor proficiency
MSME Workshop on EXIM & USDINR Currency Dynamics

Career Milestones

🔹 Research Head at Integrated Enterprises India Ltd. – Led market research initiatives in Chennai.
🔹 Founder of Rupeedesk Consultancy (2012) – Transforming financial consulting and education.
🔹 Financial Market Trainer – Conducting workshops to enhance public understanding of investments.

Areas of Expertise

✅ Wealth Creation Strategies
✅ Stock Market Investments
✅ Technical & Fundamental Analysis
✅ Risk & Money Management
✅ Market Psychology & Behavioral Finance

Notable Achievements

🌟 Market Research & Forecasting Excellence – Recognized for precise market predictions that influence investment decisions across various sectors.
🌟 Media Presence – A regular contributor to financial TV segments, educating a broad audience on investment strategies.
🌟 Published Financial Educator – Authored numerous articles in English and Tamil, promoting financial literacy.

Thought Leadership & Educational Contributions

🎤 Expert Speaker – Featured in leading investment seminars and conferences.
📊 Seminars & Webinars Across Key Sectors:

  • Educational Institutions – Instilling financial knowledge in young minds.
  • Stock Brokers & Professionals – Providing strategic investment insights.
  • Bombay Stock Exchange (BSE) Initiatives – Sharing expertise on market trends.
  • Investment Awareness Campaigns – Collaborated with the BSE Investor Protection Fund to educate the public on smart investing.

Educational Impact & Future Projects

K Karthik Raja is committed to financial education and empowerment, particularly for youth and women. His upcoming books focus on:
📖 Stock Market Investing for Beginners
📖 Smart Money Strategies
📖 Understanding Market Risks & Investment Growth

With a mission to simplify financial concepts and make wealth-building accessible to all, his work continues to inspire and educate the next generation of investors.

Super Assets: Multiply Money the Smart Way – K Karthik Raja’s Strategy

 

Super Assets: Multiply Money the Smart Way – K Karthik Raja’s Strategy

Author 
K Karthik Raja (Market Educator & Technical Analyst) 
MCA | MBA | M.Com | MSc Psychology | PGJMC | CST | MDAT | CFA Pursuant

Have you ever wondered how some assets not only grow in value but also generate continuous income? These are what I call Super Assets—investments that appreciate over time while creating sustained financial returns.   


Super Assets: Multiply Money the Smart Way – K Karthik Raja’s Strategy
Super Assets: Multiply Money the Smart Way – K Karthik Raja’s Strategy

Super Assets: Multiply Money the Smart Way – K Karthik Raja’s Strategy


Understanding Super Assets

Not all assets are created equal. Some depreciate, while others hold value. However, Super Assets are unique because:
✅ They grow consistently over the long term.
✅ They generate passive income year after year.
✅ They never lose their core value, ensuring financial security.

Example 1: The Coconut Tree Strategy 🌴

Imagine you own 100 acres of land and plant a single coconut tree:

  • In 4 years, it starts producing coconuts regularly.
  • If you reinvest each coconut to grow more trees, your plantation multiplies exponentially.
  • By Year 12, your land is filled with trees, producing recurring wealth.
  • The system is self-sustaining, making it the perfect Super Asset.

Example 2: The Beehive Model 🐝

Picture starting with just one beehive in your backyard:

  • In the first year, it produces a small amount of honey.
  • As the bee colony grows, honey production increases rapidly.
  • If you reinvest profits into more hives, your honey farm expands exponentially.
  • Soon, you have a passive income source—a true Super Asset!

Examples of Super Assets

Want to build long-term wealth? Invest in Super Assets like:
Stocks – Generate long-term wealth with dividends
Real Estate – Appreciates in value and provides rental income
Gold & Silver – Stores value and protects against inflation
Businesses – Scalable ventures that generate sustainable income

Why Super Assets Matter 

Investing in Super Assets ensures that your wealth not only grows but also works for you. Whether it’s stocks, real estate, or businesses, the key is multiplication and sustainability.

Start building your Super Assets today and take charge of your financial future!

Howard Marks' latest warning: 02.03.2025

Howard Marks is the Co-Founder and the Co-Chairman of Oaktree Capital management.

 This man knows the market.

He predicted: 1) Dot-com Bubble (2000) 2) Great Recession (2008) 3) The COVID Bubble (2021) Here is Howard Marks' latest warning: 🧵


1/ Howard Marks is the Co-Founder and the Co-Chairman of Oaktree Capital management. He is managing more than $200 billion and has a robust understanding of the market, he wrote a book called "Mastering The Market Cycle" in 2018. In 2021, he called the bubble before anyone 👇


2/ He recently published a new paper: "On Bubble Watch" and made ominous forecasts... He starts with a definition of a bubble: "Bubble is more of a state of mind than a quantitative calculation." He says it was euphoria around a dozen stocks that led to the dot-com bubble.
3/ Marks points out a specific state of mind to spot euphoria in the market: "No price is too high."

This happens when investors believe a business is so disruptive that it'll completely dominate the future.

He gives Cisco as an example.

It went up 20x and declined 88% later.


4/ More on the market psychology 👇

Marks flags four words as the second most accurate indicator of euphoria: "It's different this time." He had articulated many times before why this is a very dangerous state of mind:

-------------------------------------------------------------------------------------------------
5/ Applying these two tests to the market today, Marks concludes that we are not in a bubble, yet.

He says:
- People care about price, but they are willing to pay up.
- There is no general "this time is different" mania.

Yet, he says there are warning signs appearing...

-------------------------------------------------------------------------------------------------
6/ He thinks investors are switching from current valuation levels to forward levels.

This is dangerous because it assumes prolonged persistence of leading stocks.

He reminds us that of 20 most overweighted stocks of 2000, only 6 of them are still among the top 20 today. ------------------------------------------------------------------------------------------------
7/ He thinks the US market has become too overvalued and overweighted compared to the world markets.

The US market now makes up 70% of the world index and magnificent 7 stocks make up 39% of the US market.

Marks says this is unsustainable and it'll have two potential outcomes:

8/ He thinks there are two potential outcomes:


- Severe market correction.
- Prolonged periods of very low returns.

If the overvaluation persists, he says, we will get 3-4% annual returns in the next 10 years.

9/ Overall, he thinks we are currently not in a bubble but there are concerning signs:

- Looking at forward valuation ratios.
- Rising concentration in the US market.
- Record share of the US market in the world.

He says this will either take us to a bubble or a long period of very low returns.
-------------------------------------------------------------------------------------------------
10/ What should investors do?

Well, there is no definitive prescription, only some suggestions:

- Avoid popular sectors.
- Don't overpay for growth.
- Overweight defensive businesses.
- Diversify into different asset classes.

You can't time the crash but you can prepare.


Super Wealth Momentum Stocks created by K Karthik Raja - Rupeedesk

Super Wealth Momentum Stocks  created by K Karthik Raja - Rupeedesk

Super Wealth Momentum Stocks: Unlocking Explosive Market Growth

By K Karthik Raja, Rupeedesk

What Are Super Wealth Stocks?

 
                           Super Wealth Momentum Stocks  created by K Karthik Raja - Rupeedesk
Super Wealth Stocks  created by K Karthik Raja - Rupeedesk
  Super Wealth Momentum Stocks  created by K Karthik Raja - Rupeedesk

Super Wealth Momentum Stocks are high-potential, momentum-driven stocks carefully selected for their ability to deliver triple-digit returns within 6 months to 2 years. These stocks exhibit a strong blend of technical and fundamental strength, ensuring a high-probability breakout with controlled risk and capital protection.

By leveraging a disciplined growth, momentum, and technical breakout strategy, Super Wealth Stocks are positioned to capitalize on major trend movements, making them ideal for traders and investors seeking superior market performance.

K Karthik Raja Rupeedesk - Volume Analysis Checklist

  K Karthik Raja Rupeedesk - Volume Analysis Checklist

(For Momentum Trading & Technical Analysis)


 K Karthik Raja Rupeedesk - Volume Analysis Checklist
K Karthik Raja Rupeedesk - Volume Analysis Checklist
 K Karthik Raja Rupeedesk - Volume Analysis Checklist

1. General Volume Trends

✅ Is the volume increasing or decreasing over time? (Compare recent volume with historical averages.)
✅ Check for abnormal spikes (Sudden volume increases can indicate accumulation or distribution.)
✅ Compare volume across different time frames (Daily, Weekly, Monthly trends.)

2. Price & Volume Relationship

✅ Price Up + Volume Up → Bullish Confirmation
✅ Price Down + Volume Up → Bearish Confirmation
✅ Price Up + Volume Down → Weak Uptrend (Possible Reversal)
✅ Price Down + Volume Down → Weak Downtrend (Possible Reversal)

3. Breakout Volume Check

✅ Is the breakout supported by high volume? (Breakouts with low volume are weak.)
✅ Compare breakout volume with average volume (50-day or 200-day moving average).
✅ Check if the volume sustains after the breakout.

4. Support & Resistance with Volume

✅ Volume near support levels (High volume at support strengthens the level.)
✅ Volume near resistance levels (High volume near resistance means potential breakout or strong selling.)
✅ Volume-based fakeouts (If price breaks a key level but volume is low, the move may fail.)

5. Reversal & Exhaustion Volume Patterns

✅ Climax Volume (Exhaustion Moves) - Extremely high volume after a long rally/drop may indicate trend exhaustion.
✅ Divergence between price & volume - Price making new highs but volume decreasing? Weak trend.

6. Indicators for Volume Confirmation

✅ Volume Weighted Average Price (VWAP) – Helps track institutional activity.
✅ On-Balance Volume (OBV) – Confirms trends using volume flow.
✅ Chaikin Money Flow (CMF) – Helps detect accumulation/distribution.
✅ Volume Oscillators – Compare short-term & long-term volume trends.

7. Sector & Market Volume Comparison

✅ Compare stock volume with industry peers.
✅ Check overall market volume trend (NSE/BSE/NASDAQ/NYSE).

8. Unusual Volume Alerts

✅ Screen for stocks with sudden volume spikes (Unusual Volume Scanner).
✅ Check if volume is news-driven (Earnings, Announcements, Mergers, etc.).

Stage 2

1️⃣ General Volume Guidelines

✅ Is the volume confirming the trend direction?
✅ Is the volume higher on up moves than on down moves in an uptrend?
✅ Is the volume increasing in the direction of the breakout?


2️⃣ Volume & Price Action Relationship

Low volume + Sideways movement → Accumulation or Distribution?
High volume + Sharp upward movement → Strong buying interest?
High volume + Sharp downward movement → Panic selling or trend reversal?
Breakout above resistance with high volume → Strong continuation signal?
Breakdown below support with high volume → Bearish confirmation?


3️⃣ Identifying Accumulation & Distribution

Increasing volume + Rising price → Strong uptrend confirmation?
Increasing volume + Falling price → Strong downtrend confirmation?
Decreasing volume + Rising price → Weak rally, possible reversal?
Decreasing volume + Falling price → Weak downtrend, potential bottom?


4️⃣ Volume Spikes & Climax Analysis

Volume Climax Up → Possible temporary top?
Volume Climax Down → Potential washout bottom?
Excessively high volume without price movement → Absorption of supply?


5️⃣ Volume-Based Trading Setups

Breakout from a base with above-average volume → Entry confirmation?
Retest of breakout level with lower volume → Healthy pullback?
Uptrend but sudden huge volume with no price movement → Smart money exiting?


6️⃣ Volume & Market Trends (Sector & Index Analysis)

✅ Is volume increasing in leading stocks of the sector?
✅ Is volume confirming market-wide breakouts or breakdowns?


7️⃣ Volume Indicators for Confirmation

On-Balance Volume (OBV) trending up → Bullish confirmation?
Chaikin Money Flow (CMF) above zero → Strong buying pressure?
Volume Weighted Average Price (VWAP) level respected?

Benefits of Investing in ITC Over the Long Term - K Karthik Raja - Rupeedesk Share Market Training

 Benefits of Investing in ITC Over the Long Term - K Karthik Raja - Rupeedesk Share Market Training


Benefits of Investing in ITC Over the Long Term - K Karthik Raja - Rupeedesk Share Market Training
Benefits of Investing in ITC Over the Long Term - K Karthik Raja - Rupeedesk Share Market Training
Benefits of Investing in ITC Over the Long Term - K Karthik Raja - Rupeedesk Share Market Training

Benefits of Investing in ITC Over the Long Term - 21.02.2025
Author: K Karthik Raja

Strong Business Diversification
ITC has a presence in multiple sectors, including FMCG, Hotels, Agri-Business, Paperboards, and Cigarettes. It owns fast-growing FMCG brands like Aashirvaad, Sunfeast, Bingo, and Classmate.

Consistent Revenue & Profit Growth
ITC has shown steady revenue growth, with high profit margins in the cigarette business. Its strong brand presence and pricing power ensure stability.

Strong Dividend Payout
With a high dividend yield (typically around 3-5%), ITC is ideal for passive income. The company consistently pays dividends, supported by strong free cash flow generation.

Debt-Free & Strong Balance Sheet
ITC is a zero-debt company, ensuring financial stability. It has the ability to invest in future growth without financial constraints.

Growth in FMCG & Hotel Business
The FMCG segment is expanding rapidly, with an increasing market share. The hotel business is benefiting from post-pandemic recovery and expansion.

Government Regulations Favor Stability
Despite high cigarette taxation, ITC maintains pricing power. Additionally, government support for agriculture and FMCG sectors aids the company’s long-term growth.

ESG & Sustainability Initiatives
ITC is a leader in sustainability, being carbon-positive, water-positive, and plastic-neutral. Strong ESG compliance attracts long-term investors and funds.

Attractive Valuations & Defensive Bet
ITC is reasonably valued compared to other FMCG stocks. Its stable cash flows make it a defensive bet during market downturns.

Stock Performance History
ITC has delivered consistent returns over the long term. Its stock has historically outperformed during economic uncertainties due to its resilient business model.

Future Growth Triggers
The expansion of the FMCG and hotel businesses, rising rural consumption, and potential demergers could unlock further value for shareholders.

Risks to Consider
While ITC remains a strong investment, investors should consider risks such as regulatory changes, slow-moving FMCG growth compared to peers, and dependence on the cigarette segment for major profits.

Conclusion
ITC is a stable, high-dividend, long-term wealth compounder with a diversified business, strong growth potential, and a solid balance sheet. It remains a strong investment choice for those seeking stability and passive income.



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Rakesh Jhunjhunwala The Big Bull’s ₹40,000 Cr Journey

 Rakesh Jhunjhunwala The Big Bull’s ₹40,000 Cr Journey


 Rakesh Jhunjhunwala, often referred to as the "Big Bull of India," built his ₹40,000 crore empire through a combination of astute investing, deep market knowledge, and unwavering conviction in India’s economic growth. Here’s a breakdown of how he achieved this remarkable feat:

Rakesh Jhunjhunwala The Big Bull’s ₹40,000 Cr Journey
Rakesh Jhunjhunwala The Big Bull’s ₹40,000 Cr Journey
Rakesh Jhunjhunwala The Big Bull’s ₹40,000 Cr Journey


1. Early Life and Entry into the Stock Market

Born in 1960, Jhunjhunwala developed an interest in stocks from his father, who was an income tax officer. In 1985, after completing his Chartered Accountancy (CA), he entered the stock market with just ₹5,000. His first big profit came in Tata Tea, where he bought shares at ₹43 and sold them at ₹143 within a few months.

2. Identifying Multi-Baggers

Jhunjhunwala had a keen eye for identifying undervalued stocks with strong fundamentals. His early investments in companies like Titan, CRISIL, and Sesa Goa turned into massive wealth generators over time. His Titan investment alone grew from a few crores to over ₹10,000 crore.

3. Long-Term Investing & Patience

Unlike traders who focused on short-term gains, Jhunjhunwala believed in long-term investing. He held stocks for decades, allowing compounding to work its magic.

4. Risk-Taking & Contrarian Approach

He often took bold bets when the market sentiment was negative. Example: Investing heavily during the 2008 financial crisis when others were fearful. His philosophy: "Buy when others are fearful, sell when they are greedy."

5. Diversification and Portfolio Management

While he had concentrated bets on stocks like Titan and Lupin, he also diversified into banking, real estate, and aviation (Akasa Air).

6. Mentorship & Market Understanding

He was deeply influenced by legendary investors like Warren Buffett and Radhakishan Damani. He constantly updated his knowledge, understanding company financials, management, and industry trends.

7. Success and Recognition

Over four decades, he turned his initial investment into a massive fortune of ₹40,000 crore. He was often referred to as "India’s Warren Buffett" due to his investing acumen.

Conclusion

Rakesh Jhunjhunwala’s journey is a testament to patience, research, risk-taking, and an unwavering belief in India’s growth story. His legacy continues to inspire millions of investors.

HOW Rs.10,000 TURNED INTO Rs.16000 CRORES - Wipro Stock

HOW Rs.10,000 TURNED INTO Rs.16000 CRORES - Wipro Stock
 HOW Rs.10,000 TURNED INTO Rs.16000 CRORES

A Story of Patience and Conviction

Mohammed Anwar Ahmed, a 72-year-old resident of Amalner in Jalgaon district, Maharashtra, embarked on an extraordinary financial journey that transformed his life. In the 1970s, his father owned a vast farmland. However, after his father’s untimely demise in 1980, Mohammed and his three brothers sold the land, dividing the Rs.80,000 proceeds equally. At just 27 years old, married with a one-year-old son, Mohammed found himself at a crossroads, uncertain about his future. While his brothers chose different paths—one leaving Amalner and the other two starting small businesses—Mohammed’s destiny was about to change in the most unexpected way.


THE HIDDEN GEM OF AMALNER

Amalner holds a special place in corporate history. In 1947, Mohammed Hussain Hasham Premji, father of Azim Premji, established a manufacturing plant for vegetable ghee, vanaspati, and refined oils. The company, originally known as Western India Vegetable Products Ltd., was listed on the stock exchange in 1946. Over the years, many Amalner residents became shareholders. In 1966, Azim Premji took over as Chairman, steering the company towards unprecedented growth.

A LIFE-CHANGING ENCOUNTER

One day, as Mohammed Anwar Ahmed sat by a tea stall, a young stockbroker from Bombay (now Mumbai) named Satish Shah approached him with a question that would alter the course of his life. Satish had come to Amalner to buy shares of Wipro on behalf of clients in Bombay.

He asked, “Do you know anyone here who owns shares in that factory?” pointing towards the Wipro plant. Mohammed, unfamiliar with the concept of shares, replied that the owners resided in Bombay. Intrigued, he listened as Satish explained how holding shares meant being a part-owner of the company. Their discussion, initially brief, extended for over 30 minutes as Mohammed’s curiosity grew.

Inspired by the conversation, Mohammed decided to assist Satish in finding local shareholders willing to sell their shares. In the process, he purchased 100 shares of Wipro at a face value of Rs.100 each, investing Rs.10,000 from his Rs.20,000 share of the family’s inheritance. He used the remaining funds to start a small trading business.

This single investment, driven by curiosity and faith, laid the foundation for an extraordinary financial success story—one that exemplifies the power of patience, conviction, and long-term investing.


Building Wealth Through Corporate Actions

Initial Investment:

1980: Purchased 100 shares at a face value of ₹100 each, totaling an investment of ₹10,000.

Corporate Actions and Shareholding Evolution:

  • 1981: 1:1 Bonus Issue → Shares held: 200
  • 1985: 1:1 Bonus Issue → Shares held: 400
  • 1986: Stock Split from ₹100 to ₹10 → Shares held: 4,000
  • 1987: 1:1 Bonus Issue → Shares held: 8,000
  • 1989: 1:1 Bonus Issue → Shares held: 16,000
  • 1992: 1:1 Bonus Issue → Shares held: 32,000
  • 1995: 1:1 Bonus Issue → Shares held: 64,000
  • 1997: 2:1 Bonus Issue → Shares held: 192,000
  • 1999: Stock Split from ₹10 to ₹2 → Shares held: 960,000
  • 2004: 2:1 Bonus Issue → Shares held: 2,880,000
  • 2005: 1:1 Bonus Issue → Shares held: 5,760,000
  • 2010: 2:3 Bonus Issue → Shares held: 9,600,000
  • 2017: 1:1 Bonus Issue → Shares held: 19,200,000
  • 2019: 1:3 Bonus Issue → Shares held: 25,600,000
  • 2024: 1:1 Bonus Issue → Shares held: 51,200,000

Current Valuation (as of February 13, 2025):

  • Market Price: ₹318 per share
  • Total Shareholding Value: ₹318 × 51,200,000 = ₹16,281.6 crores

Dividend Income:

  • Over the past 45 years, Wipro has consistently paid and increased its dividends almost every year.
  • Based on available records from 1993 onwards, Mohammed has received approximately ₹140.26 crores in dividend income.
  • Actual dividend figures may vary due to incomplete historical data.
  • This passive income has further boosted his wealth, bringing his total financial gain to ₹16,421.86 crores (₹16,281.6 crores from shareholding + ₹140.26 crores in dividends).

Conclusion

  • Unwavering Patience and Conviction: Despite market fluctuations and external pressures, Mohammed held on to his investment, allowing compounding to work in his favor.
  • Massive Wealth Creation: A modest investment of ₹10,000 has grown into a staggering ₹16,421.86 crores, showcasing the power of long-term investing.
  • Consistent Dividend Income: Over the years, ₹140.26 crores in dividends have provided significant passive income.
  • Commitment to Charity: Now retired, Mohammed donates generously to charitable causes using the dividends he receives.
  • Lifelong Investment Philosophy: Despite frequent advice from his highly educated children to sell his shares, he remains committed to his vow of not selling a single share as long as Mr. Azim Premji remains the working Chairman.
  • A Lesson for All: This story exemplifies the profound impact of patience, conviction, and investing in fundamentally strong companies—proving that wealth creation is a marathon, not a sprint.

Trading Plan for Share market Investment

Trading Plan for Share market Investment



Trading Plan for Share market Investment
Trading Plan for Share market Investment


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Summary of Book - Atomic Habits - James Clear

 Summary of Book - Atomic Habits - James Clear


 Introduction

In Atomic Habits, James Clear argues that big goals shouldn’t be your main focus in life. Instead, you should be utilizing frequent, repetitive actions and systems to help develop habits that stick.

The significant changes you want to make in your life depend more on creating small habits than sizable shifts. For example, suppose you want to get in shape. In that case, your best bet is eating slightly better, exercising regularly, and getting enough sleep. Instead of wasting your time setting unachievable goals with drastic changes, all you have to do is make one minor change daily. This theme runs throughout Atomic Habits. The quality of your life depends on the quality of your habits. Some habits are small like an atom. As these atomic habits accumulate, they can make a significant impact in your life.

Atomic Habits by James Clear book summary review quotes analysis free audiobook infographic storyshots

Atomic Habits by James Clear



The Fundamentals – Why Tiny Changes Make a Big Difference

What Are Habits?

Habits are small, everyday behaviors that we perform automatically, with little or no thought. Habits are also powerful. We are what we do every day. In this way, habits form our identity. So, when repeated daily, even the smallest actions have a considerable effect.

That said, positive change requires patience. But you can be confident that good habits keep you on the right trajectory, even if you don’t see results right away. Making significant changes in your life through habits doesn’t require significant upheaval. Tiny changes to your behavior are often enough to lead to the desired results. 

Why Is It Hard to Build Good Habits?

Conditioning

Habits are built through conditioning. In effect, we tend to repeat satisfying behaviors until they become automatic. For example, when you were a baby, you would have sucked your thumb to calm yourself. This calming feeling was the satisfying consequence that encouraged you to repeat the behavior. This is why bad habits can be so hard to break and replace with good habits. 

Fortunately, you can also use conditioning to help build good habits. As adults, we can engage with habits like going on a morning run because we get an endorphin buzz and feel more productive. 

Minor Improvements

We fail to create good habits because humans tend to convince themselves that massive success requires massive action. It is easy to underestimate the value of making minor improvements, like going on a morning run each day. But the benefits will accumulate since the habit is repeated daily. 

Clear shows us why incremental changes can have a big impact. He explains that 1% of personal improvement each day means you’ll be 37 times better by the same time next year. Here’s the math: 1.01 to the power of 365 days is 37.78 (in other words, 37 times better). That’s how small, everyday improvements become atomic habits that help you reach your goals. 

The downside is that bad habits can function this way too. Clear shows how getting 1% worse each day results in terrible outcomes over the course of a year, as 0.99 to the power of 365 is 0.03 (near 0).

Compound Interest

Atomic habits are the compound interest of self-improvement. Just like money multiplies to produce compound interest, the effect of your habits multiplies as you repeat them. But this also means that habits may appear to make little or even no difference on any given day. Still, the impact they deliver over months or years can be enormous.

Our goal is to develop compound interest in healthy habits. But bad habits compound too. As mentioned earlier, putting off a project until tomorrow may seem to make no difference at the time. But if you repeat this 1% error day after day, these tiny errors can compound into toxic results.

Success is the product of daily habits, not once in a lifetime transformations. You will not identify immediate positive outcomes from daily habits, as outcomes will always lag behind habits. In fact, habits often appear to make no difference until you cross a threshold and unlock a new performance level. 

This threshold is the plateau of latent potential. Because habits do not provide us with the immediate gratification that humans crave, we often give up. This moment marks our plateau of latent potential. The plateau of latent potential shows us why it can be hard to build habits. You simply must persist long enough to break through this plateau. Habit gratification will take time, so you must learn to be patient and have faith.

Forget About Goals, Concentrate on Systems

Goals are the results you want to achieve. Systems are the processes that lead to those outcomes.

Your focus should be on the systems. If you adopt this mindset, the goal will take care of itself. Clear provides a few reasons why systems manage goals:

Winners and losers have the same goals. For example, every Olympian wants to win a gold medal, and every entrepreneur wants to be successful. Merely creating this goal does not guarantee success. Otherwise, we would have millions of gold medalists, and every entrepreneur would achieve their dream. So, it’s the winners’ systems that help them achieve success and get results.

Achieving a goal is only a momentary change, so goals can actually restrict your happiness. We assume that reaching goals will bring immediate happiness. But this approach to life sets us up to fail. For example, we may still feel unfulfilled even after achieving our goal. And if we fail, we feel cheated out of a chance at happiness.

Goals do not create long-term progress, but systems do.

If you have trouble changing your habits, the problem isn’t you. The problem is your system. So, aim to focus on the overall system rather than your individual goals. A core theme of Atomic Habits is that you do not rise to the level of your goals. Instead, you fall back on the level of your system. It’s all about the system, not goals.

Habit Loops

Habits are self-reinforcing. This means that doing the habit and receiving the reward strengthens your desire to do it again. You can use this to your advantage when you want to change your behavior. There is a clear step-by-step process that actions travel through to become a habit:

The cue triggers your brain to initiate a behavior because it predicts a reward.

After receiving this initial reward, you will start to develop cravings. You are not craving the habit itself but the internal change it delivered. 

Based on these cravings, this behavior becomes part of your identity and becomes a habit you perform in your life.

Finally, this habitual behavior starts to deliver long-term rewards.

James Clear provides the example of morning coffee in the formation of a habit loop:


Cue = waking up

Craving = feeling alert

Action = drinking coffee

Reward = feeling alert

The four steps of the habit loop combine to form a neurological feedback loop. This loop is: 

cue –> craving –> response –> reward 

Ultimately, this loop allows you to create and reinforce automatic habits. The more you practice this habit loop with any particular habit, the more it will become automatic. Clear provides four laws that describe the way you can start building habit loops.

1st Law – Make It Obvious

To take advantage of habit loops to build good habits, you want to make the cues obvious. For bad habits, you want to make the cues invisible or remove them. 

Suppose you want to get better at playing the guitar. In this case, you need an obvious cue that acts as a reminder to play the guitar. For example, you could put the guitar in the middle of the living room so that your brain is triggered more often.

Another excellent way to introduce new cues is by creating a habit stack. Habit stacking is simply the act of adding habits before and after each other. Remember that your brain creates strong neurological connections to support regular habits. You can use those connections by tying a new habit to an established one. This could mean putting on workout clothes directly after taking off your work shoes, or meditating for a minute right after pouring your first cup of coffee. 

How to Form Good Habits

Certain stimuli can trigger habitual behavior. Once you understand that, you can use this knowledge to form good habits. 

Encourage better habits by changing your environment. Create cues that are as obvious as possible, and you’ll be more likely to respond to them. For example, suppose you want to eat healthier snacks. You could leave these healthy snacks out on the shelf rather than hiding them in the salad drawer.

Use implementation intentions. Implementation intentions are specific plans about the time and place you will perform your new habit. Don’t make vague statements like “I will eat better.” Instead, create a clear plan of action, and set out when and where you will carry out the habit you want to cultivate.

Build temptation. Humans are motivated by the anticipation of reward. Our brain releases dopamine (the feel-good hormone) not only when we do pleasurable things but also when we anticipate them. Note that establishing attractive habits will help you stick to them. Link the habit you want to form (but are not enjoying) with a behavior that you’re drawn to. For example, allow yourself to watch episodes of your favorite show while you’re cycling at the gym.

Make the habit as easy to adopt as possible. Reduce friction for good habits and increase friction for bad habits.

Use the two-minute rule. Make any new activity feel manageable by only committing to two-minutes of it. This is a way to build easily achievable habits, leading you on to more extraordinary achievements. Getting started is the most critical step.

Establish habits that are immediately satisfying. When you’re pursuing habits with a delayed return, try to attach immediate gratification to them.

How to Keep Your Habits on Track

Option 1: Habit Tracker

Habit trackers help ensure you maintain the daily behaviors required to feed a habit. For example, use a calendar or diary to create a habit tracker. Cross off every day that you manage to stick to your good habit. What’s more, habit tracking itself is an attractive and satisfying habit. This is why habit tracking is so effective.

Option 2: Contract

Develop a habit contract that imposes negative consequences if you fail to stay on track. Try to involve other people. Simply knowing that someone is watching can be a powerful incentive to keep going.

2nd Law – Make It Attractive

Next, to make a habit stick, you must get regular positive feedback from this habit. An efficient way to develop this positive feedback is to use temptation bundling. Temptation bundling relies on unenjoyable activities becoming enjoyable through their connection with your favorite things, such as watching TV and exercising. You are more likely to find a behavior attractive if you get to do one of your favorite things simultaneously.

The second method to make the craving more attractive is joining a culture where your desired behavior is normalized. For example, if you want to become well-read, you could join a book club. Joining this club will hold you accountable, and you will likely find reading more fun than doing it alone. 

Similarly, if you want to break bad habits, you will want to join a culture that doesn’t endorse your bad habits. You also want to leave cultures where your bad habits are normalized. Suppose you want to quit smoking. In that case, it might be advisable to stop spending time with people who are habitual smokers. 

3rd Law – Make It Easy

Conventional wisdom holds that motivation is the key to changing a habit. If we want to change badly enough, we will change. Yet the relationship between motivation and changing habits is a bit more complicated than this. To be more specific, human behavior follows the law of the least effort. We naturally gravitate toward the option that requires the least amount of work. You can use this to your advantage by creating an environment where doing the right thing is as easy as possible.

To create this environment, you should reduce the friction associated with positive behaviors. For example, if you want to get fit, you could join a gym that’s on your route to work. You can also get your gym bag organized and ready the night before.

For unhealthy behaviors, you should increase the friction. If you want to watch less television, only turn it on when you ensure you can say out loud the name of the program you want to watch. This creates friction and will stop mindless viewing and switching channels just to see what’s on.


4th Law – Make It Satisfying

Habits don’t often provide the instant gratification of results. That’s why it can be hard for us to pick up new habits. We characterize the beginning of a new habit as sacrifice without any rewards. If you start going to the gym a few times a week, nothing will change physically at first. Instead, it takes months to discover genuine results. So, to make your new habit stick, figure out a way to give yourself an immediate reward. 

One technique you can use when the reward is long-term is to set up a loyalty system for yourself. For example, imagine you want to give up alcohol. On its own, there is no satisfaction in merely abstaining. But suppose you transfer $25 to your holiday bank account every week you go without alcohol. In that case, you’ll be immediately rewarding yourself for your new habit.

Advanced Tactics

The Three Layers of Behavior Change

In order to understand how to change our behavior, Clear introduces the three layers of behavior change: outcomes, processes and identity. Outcomes, the outer layer, are the results of an action or group of actions. Processes are what you do to achieve those results. Finally, your identity, the innermost layer, is about what you believe. When people set out to improve themselves, they first think about the outcome they want and then think about the process. 

But it’s hard to change your habits if you don’t change the underlying beliefs (or identity) that led to your previous behaviors. You might create a habit as a result of increased motivation. In the end you won’t maintain this habit unless it becomes part of your identity. 

Every action you take is a vote for the type of person you wish to become. No individual action will transform your beliefs overnight. The evidence of your new identity grows as your positive actions build up.

Here’s a simple two-step process for change:

Be the type of person you want to be.

Prove your identity to yourself with little wins and small atomic habits.

Final Summary and Review of Atomic Habits

Atomic Habits challenges the view that setting multiple goals is the key to success. Instead, James Clear recommends developing systems that help you create habits that will increase your chances of success. The simplest system to implement is one that helps you get 1% better every day. Clear suggests you can get 1% better by:

Breaking your bad habits and sticking to good ones.

Avoiding the common mistakes most people make when changing habits.

Overcoming a lack of motivation and willpower.

Developing a stronger identity and believing in yourself.

Making time for new habits.

Designing your environment to make success easier.

Making tiny, easy changes that deliver big results.

Getting back on track when you get off course.

Learning how to put these ideas into practice in real life.

On top of this, you can start building habit loops by adopting Clear’s four laws:

Make It Obvious

Make It Attractive

Make It Easy

Make It Satisfying

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