Learn To Become Rich From Stocks, Patience Goes A Long Way.


Learn to become RICH from Stocks, patience goes a long way! NO NONSENSE FORMULA

In Loving Memory of my brother & sister who passed away.

I look up to the sky and talk to you.

What I wouldn’t give to hear you talk back.

I miss your voice, I miss your laughter, I miss Everything About You.

“There is no friend as loyal as a book.”


Learn to become RICH from Stocks, patience goes a long way! NO NONSENSE FORMULA

By Sanjay Gupta

ISBN – 978-1-370677-59-7

Copyright ©2016 Sanjay Gupta

Cover illustration copyright © Sanjay Gupta

All rights reserved.

Shakespir Edition

Thank you for downloading this eBook. This book remains the copyrighted property of the author, and may not be redistributed to others for commercial or non-commercial purposes. If you enjoyed this book, please encourage your friends to download their own copy from their favourite authorized retailer. Thank you for respecting my hard work.

No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by means electronic, mechanical, photocopying, or otherwise, without prior written permission of the Author.

Requests for permission should be addressed to mailto:[email protected]

Discover other titles by Sanjay Gupta:

Art of Investing

say YES to SUCCESS, start dreaming rich life now

“Life will pay whatever price you ask of it.”






CHAPTER 4 Regular INVESTMENT, a systematic way



CHAPTER 7 develop PATIENCE not panic in market falls






In my first book “Art of Investing” I have given lot of strategies to trade in stock market and, what role patience can play in generating wealth which can provide fruits for long term, my strategies works like magic, they are really GEM, but certain my readers & friends, made suggestion that though my book provide great suggestions still I need to explain certain concepts in details, which are easy to understand, hence, I am writing this book which can explain each concepts in details and my strategies are very simple to understand and apply. No NONSENSE formula.

Stocks can generate lot of wealth! Unfortunately there is no quick fix formula, you need to have lots and lots of patience to hold shares…

My book will empower you to make better financial decisions; it will enable you to select the best mutual funds and shares. In each chapter of this book you will discover something of value and learn how to invest in share market.

As much as possible, I have tried to share the information and knowledge I had used to grow my portfolio. I would like you to go through all the 11 chapters and apply the same principles and strategies I had used. In this book, I will share some of my experiences and the important lessons life has taught me, from time to time – Which factors were responsible for my repeated failures? After two deaths in my family and continuous humiliation in office and social life, what strategy did I use to get up, once again? And how I discovered my greatest strength i.e. INVESTING.

You will learn how to avoid the mistakes I have made, and why I have made.

By the time you complete reading all the 11 chapters, you will be a powerhouse of information and in a position to advise the so called advisors (though you are not required to do that).

You will discover how to make better financial decisions and which tools to use for building a great portfolio, which will lead to the financial freedom that you have always wanted.

You will know and understand why, apart from helping you make better financial decisions, financial knowledge is necessary. I firmly believe that actionable knowledge-> brings clarity of thought -> which brings confidence -> which brings financial freedom -> which brings a winning attitude -> which brings a blissful happy life -> which brings opulence.

I would like to thank the authors of the two great books which I read, again and again, when the going gets tough and when I start to doubt myself.

1. Think and Grow Rich – by Napoleon Hill

2. Rich Dad Poor Dad – by Robert Kiyosaki

My life is highly inspired by the words of Tony Robbins and Les Brown, so you will fi nd that lot of words in my book reflect that. I would also love to thank my beautiful daughter Naysa from whom I have learned so much. She has an extremely sharp memory and doesn’t forget what she has learned. Last year -2015, I was playing a game similar to snakes and ladders with her. According to the game, if you win you advance certain places but if you lose or are in the wrong place, you are punished with fines etc. I was winning over and over again, so after three games I told her that I was tired and didn’t want to play further. To this, she replied, “Papa, a few years ago, you told me a story in which you explained that What WINNING means - It is not over until I win.” So we played several rounds of the game and finally, in the seventh game, she won! It was only after that, she said, “Papa, I am tired. I’m going to play outdoor games with my friends.”

I ask you – why don’t we all develop this kind of attitude?


Folks, life is beautiful and you need to enjoy it. You don’t need to spend your life in fulfilling other people’s goals and dreams. And you don’t need to live your life in guilt and shame. You have everything you need within you. You just need to discover it.

Trust me! you are reading great book but no ideas are useful, until, we apply discussed knowledge in our own life, so dear apply the new knowledge you gain for stocks and mutual funds in your own life, don’t just sit outside fearing & thinking worst thoughts.

Don’t think bad that you will lose money by investing. Instead, start dreaming that what you can achieve with MONEY you generate through investing.

Impossible is nothing. Even Impossible says – I M (am) POSSIBLE.





I have written this book based on feedback and suggestion; I received on my first book “Art of Investing”; so you can say that this book is with correction, feedback & suggestions on first book. Eventually, this book is meant to educate and empower you to apply your best knowledge to purchase shares and Mutual Funds. Often people say Warren Buffett – King of stock market and Rakesh Jhunjhunwala (Warren Buffett of INDIA) is lucky man, but this is not true at all, they have mastered and followed following 2 principals with sincerity.

1. Disciplined investor. (No matter what happens)

2. Developed lot & lot of patience to hold and not getting fearful with short term market fluctuations.

Please go this book carefully, at least 3 times, to grasp what I am saying? And why I am saying? During the course; you will discover many things which you don’t know! Or you know then never have applied! if you have applied successfully, then you are definitely missing patience to hold your shares, that’s why you are reading this book?; basically patience is the key.

NOTE: I have researched almost all shares and consider approx 100 extremely powerful based on my researched, but I have only 20 stocks under my portfolio active at a time; Why? Why I don’t invest remaining 80 shares? [*REMEMBER : You can't invest or stay invested in all the stocks all the times, you need to set your expectation right- means your upper and lower limit of investment and never ever breach it; not share upper and lower limit, for more such wonderful strategies, keep on reading this book, my strategies work like magic and you are reading great book. *]

I am not saying that things will not go wrong: ‘They will? Or your ride to stock market is going to be smooth or you will never lose money in stock market’ none of these statements are true…

My question is:-

p<>{color:#000;}. Do you have enough patience, to hold your shares?

p<>{color:#000;}. Are you able to hold your shares, when your mind is flooded with news on shares which you hold?

p<>{color:#000;}. Do you have tendency to sell your shares, when there are few bad quarterly results of the stock you own?

p<>{color:#000;}. Are your buying and selling decisions are driven by friends, relatives and news etc?

p<>{color:#000;}. Is your buying and selling decisions are 100% based on actual facts?

p<>{color:#000;}. Are you investing borrowed capital to invest in stock market?

p<>{color:#000;}. Are you in habit of investing, money which you require immediately, or for your short term needs? (Immediately for me means any expenses which you are going to make in next one month)

p<>{color:#000;}. Is guilt feeling is generated in you? When you sell any shares, hoping it will not move up! (As you need to liquidate your holding, to meet your; short term needs) and this share is up 20%: 50%: 100%: or 500% from your selling price.

p<>{color:#000;}. Are your purchasing decisions, is based on solid research of the company, and its past results etc or based on some recommendations?

These are important questions, you will discover more such questions in upcoming chapters, answer these and others questions given in this book honestly, you don’t need to share results with anybody, if you can’t trust yourself, and if can’t respond yourself honestly, then you will never-ever earn money, from stock market!

I have 25 years of investing experience, whatever you can think of shares, I have experienced! Failed and learned; knowledge is important and experience comes with learning and failure is part of learning. If you have never failed, then you have never learned!

Folks, I apply 20 valuation parameters, to identify shares to invest, I have come up! With these 20 valuation parameters based on my failures & learning of stock markets from time to time! So these are important valuation parameters, you will discover in later chapters of this book, please don’t ignore any parameters, before any share purchase decision you make.

NOTE: My 20 valuation parameters are as good for Indian stock market, as for other stock market, it don’t matter in which stock market you trade, they HOLD true everywhere and my valuation parameters can be applied in any stock exchange!

Those who have purchased my book (Art of Investing ) 5 months back and acted on the advice, strategies I have shared, will be laughing all the way, you know one of the stock researched by me, and suggested in my book is giving 100% returns that is "Edelweiss Financial Services" it was around Rs 46 - Rs 48 when my book was launched, now it is Rs 95 dated. 07/30/2016! Another stock researched by me and suggested in my book is giving 30% returns that is "Multi Commodity Exchange of India" it was around Rs 800 - 810 when my book was launched, now it is Rs 1054 dated 07/30/2016.

Through this book, I am sharing and returning back to society the vast knowledge and understanding of the stock market; I have acquired over the years.

To avoid criticism, say nothing, do nothing, be nothing.”


I had met people who started with nothing and accumulated lakhs ($1 million = Rs 10 lakhs), then lost almost everything, and ended up where they started. So they got frustrated with the stock market and blamed everybody, except themselves for their failure.

These failures are in the habit of blaming everybody as an excuse. They were not able to sell on time because their boss had called, or some friend had come over, or wife had called, or there was an issue at home, or their child was not well. Even better, they would say, “Sanjay, you don’t know, the problems in my home are different from yours,” or, “My life is not as simple as it looks.”

These people often say to me, “Sanjay, if the circumstances were okay, I would have made a big fortune.” This makes me laugh. We can always come up with our own versions of a story, everybody does. But does that help? I tell you, if you have this tendency, resolve today that you will take full responsibility for your finances and will not blame anybody for anything.

Say the following lines 10 times in the morning after getting up from bed, and 10 times in the night before retiring to bed:

I am 100 % responsible for any decision I make or act on.”


You have to give up complaining and blaming the circumstances. (When you are complaining, you are telling your subconscious mind that you want something but you don’t have it. How can you become rich with such an attitude?) This is important. Do the above steps with belief and conviction. And do this exercise sincerely, with discipline, at least for the next 25 to 30 days. What will happen in the long run – it will tune your subconscious mind, and prepare it to believe that you are in control of your finances and you are responsible for all the decisions you make.

You may be thinking, at this point, that you have purchased this book to learn the up cycles and down cycles of the stock market, and various triggers to sell shares. Don’t worry. I will come to that too as you progress through the book. But first, I want to set your mind to receive the enormous wealth waiting for your claim.

Soon, you are going to discover that this book is not particularly about investment, mutual fund, shares, money etc., it is a mix of everything and my goal is to educate and empower you to make better financial decisions.

We all need money in our lives; what matters most is whether you master money or it masters you. We all know we need to save more and invest more. So what is holding us back from taking action? Irrespective of whether we think we make good financial decisions or poor ones, we assume we are in control of the decisions we make. But most of the time, we struggle financially, which suggests we are not. Good financial decisions bring financial security, independence, freedom and the time to enjoy the things that matter most. Basically, information without execution is poverty.

People often fail because they do the right thing at the wrong time. Ultimately, it’s the right mix of right thing at the right time that makes you a winner.

You can’t manage your health if you can’t measure it, and the same goes for your finances.”


The above are beautiful words by Tony Robbins. But how do you measure your finances? The answer is, through information. The more information you have, the more knowledgeable you become, which in turn brings confidence of making better financial decisions.

Remember, you will not make better financial decisions in a few days or months. However, you will develop the habit of making better financial decisions in the years to come. It is a Kaizen (continuous improvement) process. Have faith, you will get the confidence to make better financial decisions in a few years.

Better decision-making abilities will bring more riches, and more riches will bring you more wealth. The whole idea is to convert your riches into true wealth, and for you to become truly wealthy, the money needs to stay.

For example, in the beginning of this book I had said, “I had met people who started with nothing and accumulated lakhs…” These people became rich through the share market at a certain time, but are not truly wealthy. Wealthy people know how to make money and how to force it to stay with them, rich people only have money. Once you know how to make money, then you can build sustainable wealth. The money never stops coming(like dividend income, share bonus, share splits etc.). If you have a reversal of fortune, it’s not a big deal. You just make it back.

There are many examples in history of wealthy people who obtained their wealth through knowledge and valued knowledge more than money.

Wisdom and knowledge can create great wealth for anyone who desires it. As I had said earlier, wisdom and knowledge can be acquired with information.

The following are the sources of information that I have been using a lot:

p<>{color:#000;}. Internet (google.com)

p<>{color:#000;}. moneycontrol.com

p<>{color:#000;}. Company’s URL/company’s website

p<>{color:#000;}. CNBC TV18/CNBC Awaaz

p<>{color:#000;}. Zee Business

p<>{color:#000;}. Forbes magazine, especially Forbes India

p<>{color:#000;}. Finance articles and more…

If you have correct and updated information and believe in your investment with a lot of faith, you will have great profits, provided you don’t let everybody else’s FEAR paralyze you. Other people’s opinions, views and fears, I call it NOISE. The best way to stop the noise and negative words from others is to ignore it. You can’t stop others from talking, but you can change your attitude towards it. Also, you must discard or disagree with negative words as soon as they enter your mind because at that time, negative words are weak. Say to yourself, “This is not true.” If you don’t discard or disagree immediately, then the negative words will

become stronger as they reside in your mind and it will become too difficult to uproot. Let others say what makes them feel good, but you need to do what is right for you.

Have you heard about the 90/10 Principle?

I read about it on the internet. My friend sent a link across to me. It will change your life or your attitude toward life. This is what it says:

10% of life is made up of what happens to you.

90% of life is decided by how you react…

What does this mean?

We really have NO control over 10% of what happens to us.

We cannot stop the car from breaking down.

Th e plane will be arriving late, which throws us off our schedule.

A driver may cut us off in the traffic.

We have NO control over this 10%.

The other 90% is different.

You determine the other 90%.


By your reaction.

You cannot control a red light.

However, you can control your reaction.

Do not let people fool you.

You can control how you react.

For example, let’s say you are having breakfast with your family.

Your daughter knocks over a cup of tea onto your shirt.

You have no control over what has just happened.

What happens next will be determined by how you react.

You curse.

You scold your daughter harshly for knocking the cup over. She breaks into tears. After scolding her, you turn to your wife and you criticize her for placing the cup too close to the edge of the table.

A short verbal battle follows. You storm upstairs and change your shirt. Back downstairs, you find your daughter has been too busy crying. She has not finished her breakfast and has not got ready for school.

She misses the bus.

Your spouse must leave immediately for work. So, you rush to the car and drive your daughter to school. Because you are late, you drive at 70 km per hour. You have a small accident and a quarrel over it. After apologies, you drive away. After a 15-minute delay, you arrive at the school. Your daughter runs inside without saying goodbye. After arriving at the office 30 minutes late, you realize that you have forgotten your briefcase. Your day has started on a terrible note. As it continues, it seems to get worse. You look forward to coming home. When you arrive home, you find a small cramp in your relationship with your wife and daughter.


Because of how you had reacted in the morning.

Why did you have a bad day?

A) The tea caused it

B) Your daughter caused it

C) The accident caused it

D) You caused it

The answer is D.

You had no control over what happened with the tea. How you reacted in those 5 seconds is what caused your bad day.

Here is what could have and should have happened. Tea splashes over you. Your daughter is about to cry. You say to her gently, “It’s okay. You just need to be more careful next time.” Grabbing a towel, you go upstairs and change your shirt. You grab your briefcase and come downstairs in time to look through the window and see your child getting on the bus. She turns and waves.

You arrive 5 minutes early and the cheerful staff greets you. Did you notice the difference?

Two different scenarios, both of which started the same, ended different.

Why? Because of how you reacted.

You really had no control over 10% of what happened in your life. The other 90% was determined by your reaction.

Here are some ways to apply the 90/10 Principle in your life:

If someone says something negative about you, do not be a sponge. Let the attack roll off you like water on glass. You should not let the negative comments affect you. React properly, don’t ruin your day.

A wrong reaction could result in losing a friend or getting stressed out.

How do you react if someone cuts you off in the traffic?

Do you lose your temper?

Pound on the steering wheel?

Shout and get into a road-rage?

Does your blood pressure skyrocket?

Who cares if you arrive 10 minutes late at work?

Why let the cars ruin your drive?

Remember the 90/10 Principle and stop worrying about it.

You are told that you have lost your job. Why lose sleep and get irritated?

Use your worrying energy and your time to find a new job. Do you know the best investments that will surely get you rich?

Wealth cannot be achieved by having a high income alone. What is the use of having a high income if nothing is left at the end of the month?

Focus on building wealth.

You can build wealth from nothing.

Wealth refers to the time or period that you can survive without working for money or taking help from other people. You can survive, provided you have savings and investments that can surely give you a passive income.

If you are wealthy, it means you do not have to worry about tomorrow’s expenses. You can leave your job without bothering about your bills or how you can survive. My personal advice to you is – first, invest in acquiring financial knowledge. One of the great founding fathers of the United States, Benjamin Franklin, said, “An investment in knowledge pays the best interest.”

The people who have ample knowledge of making money know the best investments to get rich. They have created a system or a business that provides cash flow.

However, it is not enough to have only knowledge. Remember, knowledge becomes power when you put it to action. Successful people become wealthy because they are fearless in taking action.

Most people focus on too many things. They become distracted with material desire. Poor people invest on the wrong things or make the wrong investments.

They focus on spending on liabilities rather than on assets.

For those who don’t know what ‘liability’ is, I will define it simply. A liability is a thing you invest in that doesn’t have any returns, like all the money that goes out from your pocket from which you expect no profit. I highly recommend that you read the book “Rich Dad Poor dad” at least twice. It will give you more knowledge than you can imagine. Write down and read aloud the following:

Knowledge with Action is the Power.”


The following lines are from “PURSUIT OF HAPPYNESS,” an American biographical film which stars Will Smith as Chris Gardner and Will’s own son Jaden as Christopher Junior. It follows the story of Gardner and his son Christopher Jr., and their year long struggle with debt and even homelessness, as Gardner transitioned from a salesman of bone density scanner machines to a stockbroker.

I love this movie so much (It motivated me in the worst part of my life in 2008 when I constantly thought of suicide. This movie gave me the strength to get up!) That I have watched it more than 10 times, and some clips more than 50 times! If you have not watched it, then go ahead and watch it now. It’s a must-watch for all.

Following quotes and words of Christopher Gardner are inspired from mywealthdesire.com

Here are some of Chris Gardner’s motivational words from the film:

Christopher Gardner: Hey. Don’t ever let somebody tell you… you can’t do something. Not even me. All right?

Christopher: All right.

Christopher Gardner: You got a dream… you gotta protect it. People can’t do somethin’ themselves, they wanna tell you, you can’t do it. If you want somethin’, go get it. Period. I remember a time when nobody believed in me. But now, I’m about to prove them wrong. It is nice to learn inspiring lessons from the lives of extraordinary people. Admiring the accomplishments of this once homeless father is not bad at all while building one’s own career. Christopher Gardner rose from being homeless and underprivileged, into the most successful people in the world.

Though he was homeless and had a young son to take care of, Gardner did not let it stop him from realizing his dream. He became successful in his career – a licensed stockbroker, the top earner in his company. Through all hardships, he built his own fortune and became a self-made millionaire.

At present, Gardner is a multi-millionaire investor, entrepreneur, stockbroker, author and motivational speaker. In spite of this, he is a very humble man.

Inspiring Lessons from Chris Gardner and how he became successful.

Let me share what I’ve learned from the successful homeless man and how to succeed like a millionaire.

1. Don’t be Hopeless.

Being homeless or jobless doesn’t mean that our life will stop. It is a circumstance to measure how positive we are. Sometimes we encounter trials to measure how determined we are to succeed in our dreams. It would be nice if we considered all trials and shortcomings in our life as challenges. By not giving up and by focusing on our ambition, it is not impossible to reach our goal. Gardner’s ambition at that time was to get a lucrative job. He hoped to get a license to work as a stockbroker. He never lost the hope for a better life, even though he had just a high school diploma. He believed that being a stockbroker would be the most rewarding job for him. He kept working to reach his ambition. Being underpaid did not stop him from working as a trainee in Dean Witter Reynolds. After the training program, he was hired as a stockbroker and a permanent employee in the company.

We were homeless, we were not hopeless; there’s a world of

diff erence.”

Chris Gardner

2. Do What You Love to Do.

Having only a high school diploma did not stop Chris from applying for the training program for stockbrokers. He had great passion for finance. Even though he knew that his income during the training program would be very low, he insisted on going for it. He became homeless due to his meagre income.

He became the top earner as a broker at Bear Stearns and Co. because of his passion towards his work. He became successful because of his deep desire to become a stockbroker. If he had not pursued his love for finance, he might have still been stuck in his sales job, he might have still been going through a financial struggle. In fact, Chris Gardner had given a piece of advice to Carmine Gallo, writer for Forbes Magazine, author, communication coach and speaker, which made a huge impact on his life and on the success of his business. This was Gardner’s advice –“Find something you love to do so much, you can’t wait for the sun to rise to do it all over again.”

3. Work Hard to Reap the Rewards.

The main reason why we do not reach our goal is because we do not make enough effort. This is what I learned from the life of this former homeless man, who did unparalleled hard work as a stockbroker and an employee. He went to work early and stayed back late in order to make 200 calls a day. He worked hard to reach as many prospective clients as he could. He passed the licensing exam and became a stock broker. His dedication and hard work finally paid off when he became the top earner in his company.

Baby steps count, as long as you are going forward. You add them all up, and one day you look back and you’ll be surprised at where you might get to.”

Chris Gardner

4. Overcome your own Fear.

Overcoming our own fear is somewhat getting courage to succeed in our financial success. Chris Gardner left his sales job to attend a training program forbrokers. He did not let his fear conquer him. He was determined and firmly believed that being a stockbroker was the most lucrative career that he could pursue.

In taking the decision to join the training program with a very low pay, he risked even the safety and well-being of his son. Chris Gardner was not afraid of being homeless. He was not afraid of sleeping in the public toilet or in the subway station. With his meagre income, he decided to be homeless so that he could afford food for his son and himself. And he determinedly believed that his being homeless was only temporary. When the boss at Bear Stern’s in San Francisco started noticing his performance, he began to receive a higher salary and more bonus. It was only then that he could afford to rent an apartment and a day-care for his son.

Chris Gardner is certainly a great example of someone who conquered his fear in order to succeed. He knew that fear is the number one hindrance to success.

Sometimes, we need to conquer the feeling of security in our jobs. We need to be determined to pursue the vocation that we dream about, either through freelance or by starting our own business. You need to fight the fear of losing your permanent income in order to pursue freedom.

“When the circumstances that are out of our control cause us fear, tension and disappointment, it is human to feel those emotions, but they cannot defeat us.”

Chris Gardner

5. Mind Your Own Business.

Chris Gardner was not content to be the top earner in his company. His income from his employment was not sufficient and he desired more for his himself.

Gardner believed that he could create more wealth if he became an entrepreneur.

When he learned the ins and outs of the brokerage and investment business, he saw the bigger opportunity.

So, he quit his job and built his own company. He created a successful brokerage company named ‘Christopher Gardner International Holdings.’ It did not prove him wrong. In fact, he made a lot of money from his own business. What all these mega businesses of today have in common is that their owners dreamed big. They all wanted something, went after it, and got it, and didn’t let anyone tell them otherwise.

Don’t listen to people. Dare to dream! Think big. Start small and work your way up. History is full of examples: Microsoft was started by two college dropouts in a garage. Today, it is one of the biggest corporations in the world, and a certain you-know-who is the richest man in the world! Apple, Google, Subway, Amazon, The Body Shop and HP are just a few other examples.”

Chris Gardner

6. Sharing your Wealth and Helping those in need.

Sharing our wealth with others makes us wealthier. Giving to the needy heartily is like preparing ourselves to become more successful.

What you give to others will come back, doubly or more, to you in time. Now I know that Gardner became a multi-millionaire because God blessed him with abundance and prosperity. I learned that by NOT sharing our wealth with the needy, we are keeping our-selves small. By giving like a tree, more leaves and buds will develop. We do not notice that our wealth grows abundantly like a plant grows lush. When Gardner became successful, he did not forget the promise he had made to himself to help other people. He donated clothes, shoes and money to homeless families. Even now, he helps and gives training to homeless men and women to find jobs. He supports families to stay together and to get temporary shelter. It is a sad thing that when most people become successful, they forget to help those in need. They become greedy and selfish. We hear many real life stories of millionaires and billionaires who, after making huge sums of money and living in mansions, become penniless. The main reason is greed of material things.

I went to some very successful business people when I was trying to open the doors of my company, and none of them would give me the time of day. I made a promise to myself and to God. I said, ‘God, if you ever let me get to a certain level, I am not going to be like that.’”

Chris Gardner

After beginning his career at Dean Witter, Chris Gardner went on to found the investment firm ‘Gardner Rich’ in 1987. In 2006, Chris Gardner sold a minority stake in his brokerage firm in a multi-million dollar deal. Chris Gardner is the living proof that in this world, it is not impossible to be a successful person. Being unfortunate and underprivileged are not obstacles in reaching for our ambition in life. Financial success can be achieved if a person is armed with action, hard work, perseverance and determination. With this, I come to the end of Chris Gardner’s story. I will touch upon the power of giving in more detail in the chapter on Gratitude.

You are one step away from taking massive action. Start small, but please take the first step. If I can do it, so can you.




Everybody wants a better quality of life.

Everybody wants to be great at handling finances, but almost all of us get stuck at some point of time. Something stops us from taking the next step, and we become paralyzed and unable to take action. How many times has this happened to you, when you have said to yourself, “If only I had purchased that share or sold that share on that date and executed that order, my fortune would have been different and I would have ended up making huge profits.”? Everybody gets stuck at some point of time in their life and as a result we go through a lot of stress. It is normal. You are not alone or the odd one out. Try to understand this – stress doesn’t arise from FACTS but from the meaning we give to these facts. If you do not like the decision you have made in your life, change it. This is true of everything, not just finance. If you don’t like your portfolio, change it immediately. Do it now.

I manage my portfolio with ET PORTFOLIO. The link is:


I am extremely grateful to ET for providing me with such a great tool. It has made my life much easier. Now I can have everything under a single umbrella and view my profi t/loss on a single dashboard. This saves me a lot of time, which I can spend with my loved ones. Once again, ET – thank you very much. Keep up the fantastic work!

This is what I have to say:

1. What you focus on is what you become. If you keep thinking, “I am bad at managing finances,” you will be bad at managing finances. If you say, “I do not understand the share market,” you will not understand the share market. If you keep telling yourself, “I always make a loss no matter what I do,” you will definitely make a huge loss.

2. People are in the habit of finding negative meaning in facts. I often hear people say that, “The share market is not for me,” or “Keeping on at my job is the only way for me,” or “I can only earn money by working hard at my job.” The truth is, people who work in the share market also work extremely hard. There is

a misconception that lazy or greedy people get involved with the share market. Th at hard working and honest people don’t have anything to do with it. Actually, people involved with the share market are usually very hard working and honest.

Some of the common fears that stop you are:

“If I invest, the stock market will crash.”

“The economy is bad right now.”

“It is not a good time to invest.”

“If I stay invested, I will go broke.”

“You can put money in the share market but you cannot take money out.”

“Share markets always fall whenever I require money.”

Even my wife tells me, “Your current net-worth of portfolio is because for the last 10 years, my salary and your salary have been going into the share market.”

Grow up, Garima. Remember, I also have the following expenses:

• Bank Home Loan EMI

• Credit Cards Bills

• Other Utility Bills

• Shopping Expenses

• Car Petrol and Maintenance Charges

• Capital Expenditure like buying Cars, Jewellery etc.

• Children’s Education Expenses

• Holiday Expenses

• Marriage and other Celebration Expenses

• And many more

I have seen that it is becoming a fashion with people to blame and criticize things which are beyond their understanding. I usually say to myself, “I don’t care if the market crashes. If it does, I will re-align my portfolio and swap my shares with quality shares that have fallen.” Look at my statements and those of other people. Notice the difference. The circumstances are the same in both cases, but the meaning I give to our facts is what matters. I have always re-aligned

my portfolio whenever there has been a correction of more than 5% in a single day. It is not rocket science, but people often get stuck to their old portfolio.

3. What are you going to do next?

How much profit do you want?

What are your goals?

What targets have you set?

What is the expected return that you have in mind?

Will you sell when the stock is up by 20% or by 100% from your purchase price?

How long do you wish to hold this stock?

What will you do with the profits and with the original invested amount?

Make sure that you come up with answers to the above questions. If you do not have any set plans and goals, then forget about making a profit from the stock market. If you are not willing to invest your time in doing a minimum research before purchasing, then don’t bother to shoot in the dark. You will definitely go nowhere and will be stuck in the same place. Keep doing whatever you are doing. The stock market is not for you. Suppose someday, you discover that the company you invested in, is involved in a scam. What are you going to do? What meaning are you going to give it? Are you going to be depressed about the share you own and say, “Why me?” Or will you refuse to let this stress take control of you? Are you going to get stuck or will you move on?

The stock market does not guarantee that, you are not going to have a loss. But the above steps will give you the strength, to come up with solutions when you do. What is the meaning you can give to the facts that will tell your subconscious mind that you are okay with this loss?

If you’ve had a loss, then accept it. Acknowledge it. Be truthful and honest with yourself. Then tell yourself, “I am building a great portfolio, and I will sell these shares at a great profit.” When you come up with new interpretations of facts, things change and you make great profits! If you don’t take the above mentioned steps in whatever you do, then your focus will shift to what you are afraid to do. As a result, you will end up doing the things you don’t like, which will result in a lot of pain and disappointment. If you know what you are doing, you can easily manage your finances and can come up with a plan to achieve your goals.

You might be thinking, “Is this going to take time?” or “Is it going to take a lot of effort?” Yes, it is going to take a lot of time initially.

But as time progresses, things will get better, and it will take lesser time and effort once you have mastered the process.

Knowledge brings you confidence and confidence brings you riches. Any skill can be learned. There is no skill on this planet that can’t be learned and mastered. All it needs is time, the passion to learn, and persistence. So, go ahead and take the first step. Don’t worry about what your family, friends or relatives will say. Just take the first step.

Distance doesn’t matter. It is only the first step that is difficult.”

Marie de Vichy-Chamrond

4. Replace ‘NOT’ with a positive statement.

If you wish to say, “I will not sell any shares at a loss,” replace it with a positive statement. Say, “I will sell shares at a profit.” Our subconscious mind does not understand ‘NOT.’ It will interpret your statement as, “I will sell any shares at a loss.” Develop a habit of saying and writing things in positive terms. Or else your subconscious mind will keep you small and stuck at the same place. You will fi nd this easy, not hard to do. Before you read the next chapter, I want you to know that it conveys accurate information that might easily change your entire financial destiny.

Whether you think you can, or you think you can’t – you’re right.”





There are many forms of investments:

1. Real Estate – Property

2. Gold/Silver

3. Stock/Shares and Mutual Fund

4. Bank Fixed Deposit

5. Insurance (Not insurance linked Mutual Funds. This form of investment I consider extremely bad as it doesn’t serve any purpose.)

6. Further Studies / Acquiring Professional Skill or Knowledge(the best form of investment is in yourself )

7. Long Term Bonds

Nothing is a bad or a good investment. People should invest as per their risk-taking capability.

As this book is about investment in Stock/Shares and Mutual Funds, I will talk only about that kind of investment.

Shares and Mutual Fund investment should not be less than 25% of your net-worth. This means that you should put about 25% of your income into shares and Mutual Fund.

If you are below 25 years of age, you should have 100% exposure to equities. As we age, we can have the following investment strategy:

Age (Years) Share investment MF

Age Stock Exposure MF Exposure


Below 25 100% 0%

Below 30 but more than 25 80% 20%

Below 35 but more than 30 70% 30%

Below 40 but more than 35 65% 35%

Below 45 but more than 40 60% 40%

Below 50 but more than 45 55% 45%

Below 55 but more than 50 50% 50%

Below 60 but more than 55 35% 65%

Below 65 but more than 60 30% 70%

Below 70 but more than 65 20% 80%

Below 75 but more than 70 0% 100%

Above 75 years of age, there should be no investment in either shares or Mutual Funds. Bank FD is the safest in such cases.

I have been following the above strategy for the past 10 years with discipline. And it has worked for me, giving me great returns in both up and down market trends. As I said before, if I can do it, so can you. Trust me – just follow the above strategy with discipline and faith, and you will be able to unlock the hidden treasure waiting for you.

Don’t say and believe noise words like, “The share market is not for you.” It is a beautiful place where big money can be made easily. All it needs is discipline and patience.

You can have a great life soon. Think about all the luxuries you can afford and acquire. You can make your dreams come true.

Thousands of people have achieved it in the past and thousands more will do so in the future. History is full of such examples. So, why can’t you live the life that you are dreaming of?

Would you like me to give you a formula for success? It’s quite simple, really. Double your rate of failure. You’re thinking of failure as the enemy of success. But it isn’t at all… You can be discouraged by failure or you can learn from it. So go ahead and make mistakes. Make all you can. Because, remember that’s where you’ll find success. On the far side.”

Thomas J. Watson, Founder of IBM

If people say you are crazy, insane, mad (pagal), unrealistic, a fool etc., let them say it. Don’t argue with them and don’t waste your time replying to them. It is only the so called crazy, ‘pagal’ people who end up doing something big. People who are ‘realistic’ and extra cautious, those who look for guarantees in life, are driven by fear not love. And these people are in the habit of saying, “It looks impossible,” and remain stuck to wherever they are.

Growing an investment portfolio is like nurturing a child. You don’t except him/her to be good at everything.

You help, protect, guide and learn from him/her. I often hear parents say, “I don’t believe I said that or I did that. How could I have been so cruel to my child? Henceforth, I will be more respectful to my child or I will listen to him with more patience. I understand that he is in pain. I will console him. In the future, I will be a better parent.”

But when it comes to your investments, you are very hard and tough. Let me give you an example:

I’m sure you never say, “My child is now in school but the moment he completes his college, he should become the CEO of a company.”Or, “… he is going to become the president of this country.”Or, “… he will start his own Microsoft or Google.” Again, you never say, “I don’t have a watch, but I am going to purchase a Breitling watch soon or I ride a motorcycle now, but my next purchase will be either a Bentley or a Jaguar.”

Instead you say something like this, “I now ride a motorcycle, but soon I am going to purchase an Alto. In a few years, I will purchase a sedan. However, I dream of owning a BMW. If someday I have the money, I will own a BMW.”

You know the importance of baby steps and you are ready to give time to your goals and dreams. So why don’t you develop the same attitude towards your investments? Why do you have unrealistic expectations from your investments? I hear a lot of people say, “I am holding on to this investment for the last one year but it is not moving up. It would have been better, if I had invested in a bank FD. At least, my money would have been safe there. I will sell this stock immediately.”

The problem with this type of talk is that you are telling your subconscious mind, that you are poor in managing investments, and you are happy with Bank FD returns. There is nothing wrong with Bank FDs. However, sometimes, Bank FD returns are inadequate even to meet inflation, forget about realizing your goals and dreams.

In my office, people used to spend long hours comparing Bank FD returns. Once, someone said, “Sanjay, this Bank FD gives 0.15% more returns. This is the best. The other banks are cheating us.” I quietly replied, “Look, are you over 60 now? Are you a senior citizen? If yes, then we can talk about Bank FDs.”

Hearing this, the gentleman walked away. My friend, if you are reading this book, then please know – No one is cheating you. No one is harming you. And no bank is going to become rich with your investment of Rs. 50,000 (US $748).

Such people are negative, critical, and complaining all the time. Get away from them. Disassociate from them. They drain your energy. Like the vampires in horror movies, they have bad stories to offload on you and suck your energy out. I will talk in more detail about these guys in chapter 9. My next question is, “Do you really want to become rich?”

If yes, then:

What are your goals and dreams for this year?

What goals do you wish to achieve by 31st December, 2016?

What are your plans for the next 5 years? What will you do with your investments on 31st December, 2016?

Are you going to sell or buy more?

Which of your shares will you swap?

What will be the size of your investment by 2021?

Which shares do you want to hold on to till 2021?

These are the great questions. If you come up with the answers, they will bring you more riches than you can imagine.

You may say, “Sanjay, I want to retain my current portfolio till 2021.” In that case, why do you keep looking at the state of their investments, every day? Why do you panic at each market fall? For example, if you have purchased a share at Rs. 500 and now it is valued at Rs. 400, but it is a great share, and you believe in that company since you had done your homework before purchasing that share, then why do you keep focusing on that share in 2016? These questions will force you to change your focus! If you want to sell these shares in 2021, then why keep monitoring them in 2016?

I know these questions are painful, but changing your focus is very important. Or else, you will never be able to hold that share till 2021.

Here is an example from my own life. In the year 1995, I invested Rs. 50,000(US $748) in some shares. In the year 2010, the value of these shares was above 12 lakhs (US $17,953.92).

I have ICICI Bank shares purchased at Rs. 23 with a face value of Rs. 10, without the split & bonus shares. I have purchased UTI Bank shares (some 600 of them) at Rs. 69 (UTI Bank is now called AXIS Bank). It was also at the face value of Rs. 10 without split & bonus shares. And we enjoy great dividends for all these years. So what I am trying to tell you? Investing is not rocket science. Anyone can learn it. But you need the patience to hold on to your shares. I have made a great fortune by holding on to these shares, no matter what, by believing in these companies. (Though my father believes that I have done nothing extraordinary and that I am still managing Rs. 50,000 on his behalf, like any other employee or consultant would.) I would like you to focus your attention on the power of holding on to your investment. Develop patience. It can reward you in many ways.

I feel very bad when I see people living in poverty. Being poor is not so bad but to have poverty thoughts is a really big SIN. I have seen poverty from very close. Oh No! we were not poor. But I carried poverty thoughts for about 25 years. First, I should clarify that I don’t think it’s a sin to be born poor. But it is a sin to think and stay that way. You are poor if you do any of the following activities:

1. Your kids go to their friends’ house but their friends never come over to yours.

2. You lock your house and go out so that nobody can call you for a birthday party.

3. You know how hard it is to stop being poor.

4. You know that you have few options.

5. You construct your house or build your investment with borrowed money (not a bank loan).

6. You fight with someone you love because they want to watch something else on television.

7. You tell your kid to sit in the car so that you can save parking money.

8. You never have more than a quarter tank-full of fuel in your car and you drive to the fuel station with the emergency indicator blinking.

9. You borrow someone’s vehicle and return it without fuelling it up.

10. You have a tendency to come up with an excuse for not going to a restaurant and when you do, you always order the cheapest item in the menu.

11. You live luxuriously on other people’s money, but when it comes to spending your own, you are extra cautious.

These are the major indicators of living in poverty and pursuing poverty thoughts. Being poor is not a problem but having poverty thoughts is a large problem. We are all blessed with so much. We need to return it back to society, and help the poor and underprivileged. Poverty thoughts is a really big SIN and the biggest obstacle to becoming wealthy.



So, until and unless you remove these poverty thoughts, you can’t be rich. This may sound tough, but it is true.

The following are some of the greatest motivational speakers. I like them and relate to every word they speak.

1. Tony Robbins

2. Les Brown

3. T.S. Madaan

4. Sandeep Maheshwari

My goal was to meet them.

What is your goal?

Don’t leave your investment goals open. Stop reading this book now and set a date deadline. How much should your investments be worth by December 31, 2021, or by December 31, 2026? What are your short term and long term goals?

What additional investments do you have to make to achieve this goal? Write down this goal in your wish list. This is important.

I do it regularly. It works like magic. Writing goals on a piece of paper and visualizing them daily will make that goal a reality.

I have seen many people earning six to seven figures every month, but still travelling by bus, when they can easily afford luxury taxi travel.

When I talk to them, they have all kinds of excuses. They say that we should not forget our roots, we should always be humble, or we should be down to earth, and many more things. They have all the time to justify their actions.

I am quite prepared to agree with them. However, if I ask them to donate 0.1% of what they earn to the poor, Will they ever be ready?

What do they do when they see someone extremely poor? Someone who can’t even afford a single meal and is starving while they are having brunches and dinches on top of two large meals a day? To them, I would say, “My intention is not to hurt you. But seriously guys, Grow Up!” A very good friend of mine had come home for tea. She was telling me about a few traits of her husband. She said, “My husband has developed all those traits which he hated in his father. He had disliked them so much as a child and he had promised never to have them.” So what happened in this case? Why did this man develop those very traits which he disliked so much?

Actually, if you want to remove some bad qualities, say 10 bad qualities, you will have to replace them with 10 good qualities. Find someone to appreciate. Even better, find 10 good qualities you like in your father. If you can’t, then find 10 good qualities in your family and friends that you’ve always wanted to have.

For example, if you have a lawn in your garden, and one day you see weeds growing all over the place, you have two options:

1. Pluck all the weeds individually and repeat this exercise whenever you notice weeds among the grass.

2. Plant new grass in place of the weeds.

Which option seems better? You will choose option two – because you will not have to keep on plucking the weeds individually. So, my friend’s husband has to replace all his bad qualities with good qualities. If he doesn’t, then it will be almost impossible for him to remove these unwanted qualities.

The same thing goes for your investments. Everything is related. If you have certain investments which are not working out and their projections do not look promising, then go ahead and sell them off. But I’d advise you to purchase the same amount of good investments.(I do a lot of bottom fishing and swapping.) don’t ever change investment LOB (line of business). For instance, if you have Mutual Funds which are not working out, don’t swap them with shares or gold. Look for better investments in the same LOB – Mutual Funds.



Regular INVESTMENT, a systematic way

Systematic investment through mutual funds a smart way!

Mutual Fund investment where an investor invests small sums of money over a regular periods (say weekly, monthly or quarterly). Very few people have the time and expertise to invest in the stock market directly. Investing in stocks through the mutual fund route is therefore a very good option for such investors. Mutual fund investments can be done either in lump sum or in instalments. A Systematic Investment Plan (SIP) makes sense only when the amount invested helps in realizing your dream. Therefore, it is important to arrive at The Right SIP Amount.

Do you think investments are synonymous to lump sums? The reason why you have been shying away, from investments is you were under the impression that you need a big amount of money to generate substantial returns! What if you found out, you could invest small amounts and accumulate a substantial corpus for your financial goals of your life? That would be amazing! This amazing feat is possible and is called Systematic Investment Planning or SIP. SIPs are a form of investments which allows you to invest small sums at regular intervals instead of having to shell out a lump sum. We often indulge in the habit of keeping away small sums of money in our piggy banks, because we are not aware of what more to do with it. SIP is a very simple solution to the problem.

Mutual Funds are specifically designed to pick quality shares and diversify investment portfolio fund. Professional managers who ensure rigorous investment discipline manage these funds. The fund managers are generally able to devote more time to monitor these funds then individuals can, and tend to react less to short term market falls. Equity Mutual Funds in India have been relatively consistent in outperforming the broader stock market.

1. The cumulative annualized returns of Equity Mutual Funds over the last 10 years have been significantly higher than the Nifty.

2. Good Equity Mutual Funds have generally created wealth for investors over 10 years.

3. Equities have out-performed other investment classes over long term in India as well as globally.

You can say ‘Mutual Fund’ is a company that pools money from many investors and invests the combined holdings in a single portfolio of securities that is professionally managed.

To manage risk, the fund manager attempts to diversify the fund’s investment objective.

Funds generally invest in a variety of investments, including equity (shares), balanced funds, debt and liquid funds (money market instruments like certificate of deposit, treasury bills, commercial papers and term deposits). Individual investors own shares of the fund, whereas the fund or the investment company owns the underlying investments chosen by the manager. As the number of Mutual Funds has grown, some Mutual Funds have become increasingly complex and specialized, and employ complicated investment strategies. Systematic Investment Plan (SIP) is a way to invest small amounts at regular intervals rather than investing a lump sum amount at one time. The SIP route is one of the safest ways to invest in the share market. Here the investor is not trying to time the Up and Down trend of the stock market. Rather, he is trying to average the cost by investing at regular intervals.

You get more units when the market falls. However, when the markets rise, you get less number of units for your money. Over a period of time, the average cost of unit goes down. Let us look at some ways why SIPs are beneficial for you.

Sure Shot Way to Invest:

You always plan to invest, and it does not happen because something important always comes up. Hence, at the end of the year you will have saved nothing or very little. SIPs provide a reason for you to invest every month. It inculcates a degree of compulsion to continue the investment. Monthly investments could also be carried out through the auto debit feature where the stipulated sum will be deducted every month on a particular date from the account directly. You only have to ensure adequate balance in your account. It is making a monthly commitment after all it is just a small amount.

[* Missed a Month- You are still invested: *]

There is a common myth which states that if you missed investing in a certain month you are not invested anymore. While this sounds scary, it is nothing but a myth. The reality is despite missing a month you still remain invested. When you pay a certain sum in a fund you are buying units of that particular fund. For example you are investing Rs. 5000 in a fund NAV of which is Rs. 20 per unit. Hence, every month you are purchasing 250 units of the fund. If you miss out a month you fail to purchase the extra 250 units that month. Your remaining accumulated investment in form of units continues to accumulate returns the same way.

Rupee Cost Averaging:

SIPs are a means to get the most of Rupee Cost Averaging. Investors often try to carry out the tedious process of timing the markets. They buy when prices are low and sell when prices are high. It may not be possible for every investor to keep a watch on the market. Hence, they can get most of the market fluctuations by investing in SIPs. As an investor when you invest on a monthly basis you buy units of a particular fund. You buy more units when the markets are low and lesser units when the markets are high. Through Systematic Investment Plans, whether the markets are rising or falling, you continue to be in a stable place in your investments. Let us examine that through an illustration.

From the above two tables you can see that SIP investments are a stabilizing factor through market fluctuations. Hence, they reduce the risk on investment relieving you from constant worry and the need to time the markets.

The Most Convenient Mode:

We all struggle with our string of financial commitments. SIPs then become a convenient mode of investment as you have to pay a small sum. Rs. 60,000 at one go seems like a big amount of money for investments but Rs. 5000 monthly is easily achievable. At the end of the year you will have invested Rs. 60,000 without having to carry the burden to having to pay a lump sum. It is also a good option for beginners who are testing waters and do not want to part with a big amount. The ideal method for investing in volatile funds also happens to be SIPs where you reduce the volatility by paying small amounts.

Stay Invested:

The two factors that you need when you invest in SIPs is a monthly commitment and patience to stay invested for a long time period. It is not the amount that matters in mutual funds as much as the time period does. Mutual Funds work on the principle of compounding returns. The power of compounding is such that even small amount of money accumulated over time can become one gigantic amount. Let us see an example of the same.

Through the illustration above you can see that the time period of investment heavily contributes to the returns. In the first case when someone invested only Rs. 2000 they still got a hefty return because of the time period of 20 years. So even if you are investing a big amount every month for a short period of time you will generate only moderate returns. Hence, have time by your side and money will soon make its way.

Take the benefits of power of compounding:

The concept of compounding comes into picture, when investment happens through SIP at regular intervals with longer time frames. The power of compounding underlines the essence of making money work when you invest at an early age! I am making this point again and again clear to you, I request you to invest in SIP way; it is extremely simple, no matter how much you hate stocks! it is a sure sort way to make you super rich, only develop patience to hold for longer period of time nothing else, I am 100% sure, that you will win!

Let’s see what points I want to make you understand. Suppose, you have invested Rs. 12,000 in 2015. This could mean Rs. 1,000 in January, Rs. 1,000 in February and so on…

So now you have made a commitment to invest Rs. 1,000 per month. You can invest a minimum of Rs. 500, which is the minimum investment allowed in SIP.

You can now set multiple date selection, say the first on the 7th of every month and the next SIP on the 21st of every month. As markets can go up or down at any point of time, you are reducing the risk by investing on different dates. Remember, you are not timing the market. Timing the market is extremely dangerous and should be avoided as nobody knows to what level the market will rise or fall. Always remember to invest in Equity Mutual Funds. Other form of Mutual Funds can be ignored. I have not invested in Debt, Balanced or Fund of Fund and I won’t recommend them. (I will talk separately about ELSS Mutual Funds which I love to invest in just for tax purposes, as there is a lock-in-period of 3 years.)

You should invest for a minimum 5-year period. If you can’t invest for 5 years or more, SIP investment is not for you. It won’t give you good returns and you will end up paying brokerage and exit load. I recommend that you should not have more than 2 equity Mutual Funds in your portfolio. Why? Let me explain to you.

It will be difficult to manage more funds. It takes a lot of your time and energy to manage each fund individually. Also, it will be difficult to track the performance of each fund house. There was a time when I had 8 funds in my portfolio. It was a pretty diversified portfolio with a combination of large cap, mid cap, infrastructure fund, energy fund and small cap of different fund houses. My best performing fund HDFC, I invested through SIP between the year 2000 and 2008. After this, I stopped my SIP contributions as I had other financial commitments. My initial investment of Rs. 80,000 ($1,200 USD) grew to more than Rs. 3.5 lakhs. I took out Rs. 2.5 lakhs in 2012 and another Rs. 60,000 year 2015 in May. Rs. 40,000 still remains invested. These returns far exceeded any expectations. I am of course not calculating the percentage of return over a period of time on investment.

My second best performing fund was IDFC where I invested about Rs. 10,000 in the year 2008. By 2015, the value grew to Rs. 25,000. The returns from this have not been very good, but it still Beat Bank FD returns. My third and fourth Mutual Funds were able to save my principal which could not match bank saving account interest returns. My other four funds, can you believe it, have given negative returns. My worst performing fund has given -70% returns. This means that my principal eroded by more than 70%. When I asked them why it performed so badly, they shamelessly said that the energy sector had not performed in all these years and mine was an energy diversified fund. I will not name it, but you can guess which mutual fund it was. So, based on my years of investing experience, I will say - You should not have more than two Mutual Funds. You should not be excessively diversified, or accumulate funds because you want to diversify. And finally, what matters is, the money you are making out of it, and not how much diversified your portfolio is!

Review your portfolio once a year. Some people will advise you to review two or four times a year. But when you do this, you will end up paying brokerage and exit loads, which will not generate good returns for you. I review on the 1st of January, every year. I have been doing this for many years. I have already finished my review for 2015. My next review is on the 1st of January, 2016. Let us suppose, I need to invest Rs. 50,000 in a year through SIP Mutual Fund. There are 12 months in a year. So, Rs. 50,000/12 = Rs. 4,166 each month. Now I will divide this amount by two. So, I need to invest Rs. 4,166/2 = Rs. 2,083 with each fund house. Now, I further divide this amount by two, i.e. Rs. 1,041 to get multiple SIP dates (I usually follow multiple SIP dates: 01, 07, 20 and 25, every month).

For one fund, you can have the first SIP date on the 1st and the next on the 20th of each month. For the second fund, you can have the first SIP date on the 7th and the next on the 25th of the month. The investment amount is the same for both funds. So, Rs.1041 × 2 (multiple SIP dates) x 2 (two funds) x 12 (12 SIP months in a year) = Rs. 49,968.

If you wish to avail tax benefits, then only you should invest in ELSS fund and that too through SIP. Do not rush to purchase a fund in March, just before the tax season. Take your time about it. There are certain ELSS funds that give good returns. However, I don’t love them because you can’t sell them for 3 years (the lock-in period). So, even if you find that a fund is not performing and you wish to change it, you cannot do it. Tax benefit under section 80C, can be availed through SIP into ELSS, which is limited to a maximum investment of Rs. 1 lakh.

Follow the above strategy with discipline, and soon you will have a great fortune. But how do you select the two Mutual Funds that you should invest in? I strongly believe in the KISS principle (Keep it Simple, Stupid). How do I select the best Mutual Funds from among the countless ones out there? I always keep my Mutual Fund holding in dematerialized form. You can keep your funds in physical form as well, but I love to keep them in the dematerialized form so that I can check and visualize my funds in a single dashboard. I keep my funds with ICICIDirect.com where I can create/view/cancel SIP online with a few clicks.

I have been using ICICIDirect.com for the last 10 years. Other such services may also be excellent but I have not used them, so I can’t really judge them.

One thing I forgot to mention is that I am not related to HDFC or ICICIDirect.com in any way and I am not planning to be so in the future.

To select the best Mutual Fund, go to moneycontrol.com. Select the Mutual Fund tab. There you will see the best funds to buy list. Focus on the equity tab. Then look for 3-year returns. Please ignore 6-month and 1-year returns as they do not matter. Now select the fund with the highest return value. ELSS is also okay. Now select the second best fund from Diversified Equity, of course the one with the highest returns. So now you are ready with the two best funds. Now go to Mutual Fund meter in the website. Enter the fund name you have selected – in the Enter scheme box of Mutual Fund meter. You can select the fund from the drop down list. The system will navigate to the next page with the fund name and results. Now focus on the following 2 things in the results. Ignore the rest.

1. CRISIL Mutual Fund rank (Ranking by CRISIL): It should be like this: “The scheme is ranked 1 in ELSS category by Crisil (for quarter ended Nov 1999) rank unchanged from last quarter. If you are already invested in this scheme, you may continue to stay invested.”

2. It should be very good, which means very good performance in the category – Green. Just good performance is not acceptable. If the fund is not very good, then discard the fund and select the next.

This exercise is boring and takes a bit of time but it needs to be done. Take advantage of this beautiful tool that moneycontrol.com has created for us. You need to perform this step before investing every year. Okay, now that you know how to select the best funds on your own, don’t pay any fee amount to brokers or advisors.Their knowledge is limited and they can’t cross the limits set by the company where they work. Knowledge is the key and confidence comes with knowledge. You should know more about Mutual Fund SIP than the advisors. Only then can you win. If you don’t, you will be giving away your hard earned money to such advisors who focus on their commission and funds that don’t work.

Brokers and advisors are not bad guys but they are driven by the commission they get. They are also often paralyzed by the company they work for. So how can they have your best interest in mind?

Now suppose, next year on the 1st of January, you discover that the fund you purchased is not giving you good returns or is not in the very good category on the Mutual Fund meter at moneycontrol.com. In such a case, sell the fund immediately and purchase something that fulfils these conditions. SIP is not required. All you have to do: is to swap the amount invested in Mutual Fund.

You can be young without money, but you can’t be old without it.”

Tennessee Williams

The advantage with Mutual Fund SIP is this – if you don’t want any exposure to equities/shares then you don’t need to watch business channels like CNBC-TV18 or ZEE Business, or read business magazines. All you need to do is select the best Mutual Fund and stay invested in it. (Select the best Mutual Fund through moneycontrol.com MF meter. ICICIDirect.com also provides fund recommendations but don’t forget to look through moneycontrol.com Mutual Fund meter before investing.) If you have an investment horizon of 5 years or more, then why are you afraid of market falls? You should be okay and keep smiling.

Even if you see that the share market has fallen by 10% to 20% from its peak, please understand this, that it will soon recover its losses. Trust me.

You do not need to look at your fund value every month. You only need to check your fund value on the 1st of January. You just stay invested and relax.

Systematic Investment Plans makes you believe small is powerful. You need not have a lot of money to make a lot of money but just a commitment to keep investing the small sums without fail. This way you do not have to compromise on your financial commitments and part with lump sums. You are entering an avenue of relatively safe investments and prospective substantial returns. You do not even have to try and time the market because that has already been taken care for you. So go ahead and start your investing journey, one small at a time. If you follow the advice and strategies mentioned in this chapter, you are sure to make a huge fortune. There is absolutely no doubt about it!




Before you speak, listen.

Before you write, think.

Before you spend, earn.

Before you invest, investigate.

Before you criticize, wait.

Before you pray, forgive.

Before you quit, try.

Before you retire, save.

Before you die, give.

William Arthur Ward

If you wish for long term growth in your investment, there is nothing better than shares. Before you invest, investigate. The quote above says that before you invest, you should investigate. For example, when you go to a clothes store to buy a shirt for yourself, you take a few decisions before purchasing the shirt. Let me list down the decisions you make.

1. You select the stores that are giving off ers and discounts. Or you may say, “I don’t shop at discount stores.”

2. You will look only at the brands of shirts you like.

3. You will look only for your preferred colours.

4. Once you are done with choosing the brand and colour, you will investigate further and look at cloth texture.

5. Next, you will ask for the right size, cost, discounts, offers etc.

6. You’ll then go into the trial room, to try the shirt on. And finally, you’ll ask your loved one, who is accompanying you, how the shirt looks on you. When it comes to buying a shirt, most of us go through the above mentioned process. At least, I do.

But when it comes to shares, we don’t go through similar investigations. At least majority (above 90%) of the people don’t. So, we know, the minimum time spent in purchasing the shirt is 30 minutes to an hour, or more. Parking and driving takes up some more time. And the shirt costs approximately between Rs. 1,000 to Rs. 2,000 (US $15 – $30). However, for shares, which we buy for larger sums of money, we do not investigate at all. We get tips for shares over coffee tables

in cafeterias. Some experts air their views about shares on business channels, over lunches and in social gatherings. Sometimes, friends and relatives provide advice. At other times, one hears people talking, in a public transport or some other place, about the potential of a share. People are in the habit of purchasing shares impulsively, depending on these tips. Then they keep hoping their shares will go up!

And once they own this share, they feel pretty smart about it. Usually, people invest between Rs. 5,000 to Rs. 50,000 based on such tips. Personally, I have never invested so foolishly, not even twenty fi ve years ago when I purchased my fi rst share for my father. (For this wisdom, I thank God, as it is his gift to me.)

“Believe nothing, no matter where you read it, or who said it, no matter if I have said it, unless it agrees with your own reason and your own common sense.”

— Lord Buddha

If you have purchased some shares because somebody said something about that company, and you have not done any INVESTIGATION, then you should know that this type of stock fishing is stupid and dangerous. Let me explain you. You never buy a shirt or trouser just because a colleague, friend or relative has it.

But we always do this when it comes to stocks and shares. Are we born lazy? Not at all. What happens is this – when it comes to stock, we think that the other person is more intelligent than us and that he has probably done the required investigations. So, we put our mind to rest and tell ourselves that no investigation

is required. As I said, we are not born lazy. So how do you prepare your mind to investigate before you purchase shares? Consider other people (including me) as fool, madmen and idiots. Think of yourself as very intelligent and smart about the share market. By doing this, you tell your subconscious mind that others are fools and you have more information and knowledge than them.

But you don’t really, do you? Well, you have to gather information and knowledge. And for that, you have to put your mind to work. So, you might say:


If you conduct your investigation in this manner, you can save a lot of the money that you pay to Tip advisors, fundamental specialists, experts and consultants.

You need to consider the following questions before you purchase any shares:

1. Why do you want to purchase this share?

2. Which sector does this company belong to (e.g. pharmaceutical, finance, IT, manufacturing etc.)?

3. How long do you want to hold on to this share? Remember, this book is not for a short term greedy traders but for a true investor.

4. What is the industry and company PE?

The price-to-earnings ratio, commonly known as the P/E ratio, is one of the most widely used valuation metrics. It is a basic measure used to compare different investments or the same investment over different periods of time, and it’s simple to calculate. The P/E ratio is most commonly used for a quick comparison between two stocks to see how the stock market values them, with a higher P/E suggesting that future earnings are more likely. Dividing the common stock market share price (numerator) by earnings per share (denominator) produces the ratio. For example, a stock with a market price of Rs. 100.00 and earnings of Rs. 10.00 per share would have a P/E ratio of 10(100/10=10). P/E ratios can be calculated on past or realized earnings, projected earnings, or a combination of each. Earnings are sometimes adjusted to exclude extraordinary events, since they are unlikely to repeat. When considering P/E ratios, it is important to understand if and how earnings have been adjusted and whether they are actual or projections.

5. What is the future of the industry as a whole?

6. What are the government’s plans for this industry? (This is especially important if the industry is dependent on government tenders like Railway stock.)

7. What are the future plans of the company?

8. Who are their competitors?

9. What is the company’s past performance? (I always look at the company’s performance for the last 5 years. If it is a new company, then one should check its performance since its inception, or at least for the last four quarters.)

10. What is the face value of the stock?

11. What is its dividend paying history? As this is great valuation question, so I would love to elaborate more here, I don’t consider those companies good which don’t declare any dividends at all.

[_ Though this is not a criteria to reject any company but it is a important valuation factor, I generally give those companies a 10% valuation point which has a good dividend track report and has consistently declared dividends for the last 5 years. _]

12. When was the last split happened? And what was the ratio?

13. Most importantly – what percentage of net profit does this company make after interest and taxes?

14. Has this company issued any bonus shares? If it has – when?

15. What is the valuation of this company?

16. What is the total debt on this company and what does the company say about it?

17. Are there any litigation, pending orders, court cases, criminal cases, tax demand cases on this company and its directors?

18. Is there some good stock of a competitor available and what is its valuation, PE ratio, profits and dividends?

19. What does the website say about the company? (Here, I try to judge their presentation skills. If you can’t sell yourself then how can you be a leader?)

20. What does the industry says about this company?

Is that a lot of things to do? I never said that money from stock can be generated quickly and without effort. It will require effort and time to investigate. You should be ready for it! Please try to understand stock power, nothing comes for FREE, and if things are coming for free tag, especially wealth! Then those free ideas don’t work! Take my words! Please! please! please understand stock power, stocks are extremely powerful and will make you extremely rich in few years, only you should have patience to hold. Apply all the 20 principals discussed above, should NOT be selective in this, not even 19 concepts should be selected!

Look at the people who buy lottery tickets. What are the chances of their winning? The probability is extremely poor, sometimes as low as one in fourteen million. Even then, people keep on wasting their hard earned money on such foolish things. For example, ten years ago, I was having a discussion with my friend. He’d purchased some shares for Rs. 50,000. I asked him a few questions (from the above questionnaire) about those shares. He became uncomfortable.

If you discuss money, it makes people feel bad. And people don’t like to feel bad. So they simply stop talking about it. From that day, I promised myself that I would not give advice to anybody, especially on the subject of stock. Since then, a lot of people have asked me about which stock to invest in or where to put their money. Generally, I never advise them. But now I say to you: Do your bare minimum homework before you purchase shares. A lot of study is not required for Mutual Funds (I have already covered Mutual Fund strategy in the SIP chapter), but for stocks you have to do the investigation as mentioned above. If you feel this is too much, then please invest only in Bank FD, not even in Mutual Funds as some investigation is required for that too. Read again the words of Lord Buddha. Let me give you an example. In March, 2015, I selected Torrent Pharmaceuticals as it looked promising to me. At that time, the stock was quoted at Rs. 1,050. I did the investigation steps I mentioned, and I was through with the investigation by July, 2015. It took me almost five months to investigate. (You might say, “You are too slow in investigation.” But actually, I had other commitments. Apart from investigating this stock, I was also investigating many other stocks.) By the time I was through with the investigation, this stock was quoting at Rs. 1,350. The stock price had gone up too fast, too quickly. So, I decided to drop this stock from my future stock list. “This stock can go up to Rs. 2000. I don’t care,” Before I began to write this chapter, this stock had gone up to Rs. 1,720 and now, on the 9th September, 2015, it is trading at Rs. 1,490, down 3.5% from its previous day closing. You see, a majority of people enter the stock market with fear thoughts in their mind, hoping they don’t lose their money. But statistics say that they do end up losing money. I have hundreds of stories on stocks. Let me tell you a few more...

I invested in Indo Count Industries as its story looked promising to me. After doing my investigation, I finally decided to purchase it. I bought at Rs. 700 in July, 2015. I generally never sell any share before making a profit of 50% or more. So, I decided to sell if the price went above Rs. 1,100. As I have to pay for brokerage and transaction tax, I keep the price a little higher. A few days later, my wife told me of the strategy that Arun’s (CEO of the company where my wife works) wife follows - she generally sells with a profit of 20%, as the Indian share market is going through turmoil (due to the China factor). I thought this was a good idea. So, I decided to sell at a profit of 25% (as I needed to include brokerage and transaction tax charges). But the stock was already quoting at Rs. 1,000. Therefore, I decided to sell immediately. Once the sale order was executed, I decided to purchase this stock back at a 25% lower price, which came to Rs. 750 per share. As I had done my investigation at this price point, I decided to set the trigger at this cost. (I use a system for this, which I will tell you about in the next chapter.) Yesterday, I was able to purchase back this share at Rs. 750 and today, on the 9th September, 2015, the share is quoting at Rs. 830. (This, I think, was a miracle that worked in my favour. Th e moment the price of the stock went below Rs. 750, I received an SMS. I immediately purchased this share. In just a few minutes the price went up again, way above Rs. 800.) Though I strongly believe in the long term stories and have purchased this stock for long term, Arun’s wife’s strategy can be applied when the market is in turmoil. And yes, making money makes me happy.

I have many more stories to share but I would like to conclude this chapter with just the above example, or else I might just go on and on. I would like to tell you just one more thing – I consider Initial Public Offering (IPO) of stock a bad investment. Firstly because you block the full amount of your investment when you apply with no guarantee that you will get the full stock you applied for.

Secondly, it is almost impossible to predict whether the stock will list above the off er price. In most cases, you can get the stock on later dates at much below the off er price, and sometimes at 25% to 50% below the offer price. If you look at the IPOs of the past 5 years, you will know why I am saying this.




Risk comes from not knowing what you’re doing.”

Warren Buffett

Please don’t trade with your money on Futures and Options (F&O). It is nothing but a form of gambling. (In fact it is the worst form of gambling that can be played on your laptop or on the Internet.)

The system is designed to make you lose money fast. Some 93% to 95% people lose money in F&O. It is like purchasing a lottery ticket and hoping that your number comes up. If you don’t trade in F&O and lose money, how can the other GREEDY trader win?

I refer to it as a trade but analysts love to call it an investment (here one has to lose money so that others can win so trading their fears with peace which satisfies the other trader’s greed.).

I strongly disagree with analysts and experts on this. Investments of less than 3 months (even if it is in mutual funds) are trades not investments.

If Call and Put ratios rise or fall because the Nifty is getting stronger or weaker, it may be fundamentally true and pleases analysts and experts. But this is happening only because one of the two emotions – fear or greed – is getting stronger. The more fear rises, your Put ratio rises. The more greed gets stronger, the Call ratio rises. And both of these are the worst kinds of negative emotions.

Now, let me tell you my experience of F&O and the lessons learned from it. I took a Tip advisor’s services and spent some Rs. 50,000 on it. What a waste of money! I lost another Rs. 50,000 because of their advice.

A Tip advisor told me to purchase Nifty options at Rs. 102. But I was only able to purchase it at Rs. 109 as the price increased by the time my order was executed. He had also given a target price of Rs. 178. So, I was thinking of the profit I would make from this order. In less than 2 hours, I received another SMS from him saying that the call given at Rs. 102 was now Rs. 132. He told me to sell it. So I tried to sell. It was trading at Rs. 125. But my sell order was not executed. Therefore I went ahead and revised my sell order. By now it was trading at Rs. 112. So, I put my sell order at Rs. 112. But its value kept falling fast and my heart was beating even faster. So I decided to sell at a market which was now at Rs. 95, and finally I was able to sell. My net loss therefore, was Rs. 109 – 95 = Rs. 14 per unit. So 500 Nifty units (20 Nifty lot) = loss of Rs. 7,000 (approx. $105 USD) in just 3 hours. The loss would be higher if we had included brokerage and share transaction taxes. When the market closed I received another SMS from the advisor saying that I had made 30 Nifty points profit for a call given at Rs. 102 which sold at Rs. 132. This is just one case. I can mention 10 such cases. I have experienced a lot of pain and anguish. So my advice is – never ever trade in F&O. However, some friends tell me, “F&O is good” or “I make money, so I will trade in F&O.” Even then, I will say ‘no’ as the system is designed in such a way that you can win only if another loses. This theory doesn’t suit me at all! Nifty exchange is not going to fund your gains from its pocket.

One man told me that this happens in everything. You are working in an IT job because somebody lost a job in the US. BJP won the elections because Congress lost. These negative, critical people are everywhere. If you want to WIN, then it is important to identify and throw these negative people out of your life immediately. The sooner you do it, the better.

Now, I will tell you another story of stock futures trade of 2000 shares. I received a call to purchase some company stock futures at Rs. 816 with a target of Rs. 823 and a stop-loss of Rs. 807.50. I purchased a single lot. I fixed the target price of Rs. 823 but the stock did not reach that price. At 2.45 PM, I received an SMS asking me to sell at Rs. 813.50. I tried to sell at Rs. 813.50 but the price fell down further. Finally, my stop-loss got triggered, so I made a huge loss of Rs. 8.50 per share = 2000 × 8.50 = Rs. 17,000 (approx. $250 USD).

However, it did not take me more than 6 months, to understand their tricks. The system is designed to make you lose. Also, options lose value of 5% each day, so Nifty of Rs. 100 becomes Rs. 95 the next day. Your Call/Put rises extremely slowly with Nifty’s movement, but drops in value very fast. One tip advisor claimed that they could double my money in 3 months. I was foolish enough to subscribe to their services.

If they are so good and can double your money, then why are they not advising the country’s Finance Minister or the state’s Chief Minister. They could eradicate poverty. In fact, by now, they should have eradicated poverty completely in the society they live in. Tony Robbins, whom I consider the best motivational speaker on this earth, said, “Develop a habit of asking better questions.” I go a step further. I say, “If you cannot get better answers, then focus on the next problem.” Don’t keep waiting for the better answers.

Here is a conversation between me and an F&O Tele-Caller:

F&O Tele-Caller: am I talking to Sanjay?

Me: It’s Sanjay here.

F&O Tele-Caller: I am _______ from _________. Thank you for your interest in F&O. From our data we have come to know that you are looking for F&O advisors.

Me: Yes, I am.

F&O Tele-Caller: With our advice, you can make a profit of 500 Nifty points or more.

Me: Is that true?

F&O Tele-Caller: Some people are earning Rs. 1,000,000 (approx. $15,000 USD) per month using our tips.

Me: By now, they must have become extremely rich.

F&O Tele-Caller: Yes, they are. Th ey follow our advice.

Me: Which car do they come in?

F&O Tele-Caller: We don’t know. We give services over SMS. You don’t need to come to our office.

Me: Your Company must be extremely rich. It must be registered in the BSE/NSE? At this point the F&O Tele-Caller got frustrated and hung up.

Here is another example:

F&O Tele-Caller: Good morning, Sir.

Me: Good morning.

F&O Tele-Caller: Sir, we provide very good F&O advice. You will make a lot of money with our advice, both in Up and Down markets.

Me: Good.

F&O Tele-Caller: (She comes to the point immediately.) Once you have paid for the subscription, we will start the SMS services on your mobile.

Me: How much money have you invested?

F&O Tele-Caller: We are employees and employees are not allowed to trade on tips.

Me: Your father, mother, brother or someone else can invest on your company’s tips.

F&O Tele-Caller: (Frustrated and angry) They don’t like to trade.

Me: Okay, than why don’t you leave your job and invest on the tips.

F&O Tele-Caller: My name is _____________. In the future, if you want our services, you can call this number.

The Third Call:

F&O Tele-Caller: Good evening, Sir.

SANJAY: Good evening.

F&O Tele-Caller: Are you interested in Tip advisory services?

Me: Yes. I looked through your site and compared it with others. Others say that they will double my money in just three months. But your site doesn’t say this.

F&O Tele-Caller: We are not frauds. Our tips are good, sure-shot. Our tips double your money in six months.

Me: In six months my Rs. 50,000 will become Rs. 100,000 and Rs. 200,000 in a year. Correct?

F&O Tele-Caller: Correct sir.

Me: Okay. I don’t want Rs. 2 lakh. I will give you Rs. 50,000. You give me Rs. 1 lakh and keep the other 1 lakh. However, you will have to give it to me in writing on a stamp paper.

F&O Tele-Caller: No Sir, we are Tip advisors. You have to invest using our tips. We will not do it for you. You will have to take our subscription and invest on our tips.

Me: You don’t want such big profits? Or does it mean that your tips don’t work?

At this point, the F&O Tele-Caller laughed and disconnected the call.

The Fourth Call (The last one):

F&O Tele-Caller: Sir, are you looking for F&O advice?

Me: Yes, I am.

F&O Tele-Caller: We will provide you with Tip services on SMS. You need to subscribe to our services.

Me: That’s great! Other Tip advisors also provide similar services. They say that we provide strict Stop Loss so that clients don’t lose much money and make great profi ts. So, how are you different from them?

F&O Tele-Caller: We follow the same strategy as Rakesh Jhunjhunwala. We recommend on the basis of his strategies and principles.

Hearing this, I disconnected the call. He didn’t even know that Rakesh Jhunjhunwala is the big Bull of the Indian stock market. He strongly believes in India’s long term growth. And he advises us to stay invested, and not to sell in a panic. The Bull Run, according to him, will stay intact for many years to come.

These guys display his picture to advertise their product. If I thought, even for a minute, that this is true, I would ask these Tip providers, “Do you have Rakesh Jhunjhunwala’s permission to use his picture to advertise your product? Is Rakesh Jhunjhunwala a shareholder in your company? Is Rakesh Jhunjhunwala the director or a partner in your company?” Actually, these people are very smart and they think everybody else is a fool. That is why I keep saying:

Knowledge with Action is the Power. Increase your knowledge.

“A smart person will give you smart answers, but a wise person will ask you smart questions.”



develop PATIENCE not panic in market falls

Let me begin this chapter with the following story:

Sir Roger Bannister was the first man to run a mile in under four minutes. Up until the time he did it in 1954, most people thought the four-minute mark was impossible to break. It was assumed that the human body couldn’t physically go that fast. That it would collapse under the pressure.

People made the following assumptions:

• No one could run a mile in less than four minutes.

• It was impossible.

• You were crazy to even try.

That was, until Bannister proved everyone wrong. He achieved this by training in his own way, often for not very long as compared to his competitors, and believing that he could do it.

The man who can drive himself further once the effort gets painful will win.”

Roger Bannister

So, what made people believe otherwise? How were they proved wrong? Usually, people say something is impossible when they imagine themselves doing it. So they express their opinion (which I call noise) by putting themselves in your shoes. What they truly mean to say is, “If I was in your place, then I couldn’t do it. It is impossible for me.” SOMEONE’S OPINION OF YOU DOES NOT HAVE TO BECOME YOUR REALITY.

Where your focus goes, your energy flows. Focus on what you want, where you are going, and what you are actively creating. Give yourself the gift of experiencing at least three positive emotions everyday -emotions such as appreciation, love, interest, amusement, joy, pride, hope and gratitude. These emotions are powerful sculptors that broaden the landscape of possibility, expand your outlook, energize your relationships, calm your body, create emotional reserves and build mental resilience. Focus, work and move towards a future full of possibility. Take massive action on your own behalf today to create your greatest life ever! You deserve it!

The above quote is inspired from motivation speech of Les Brown

Understand that it is impossible for them, not for you. It is other people’s limitations, not yours. Nowadays I often say, “I don’t listen to these noises.” But till 2008, I was actively doing so. For 25 years or more I was not doing the things I loved, because someday, somebody said it was impossible. And I considered it my reality. You must get losers out of your life if you want to live your dreams. I was able to make myself financially free. In truth, I was ultimately able to experience true financial freedom because I stopped listening to such noises.

Many brokers and broking houses encourage you to trade in large volumes because it brings them more business -> more profits to the broking house they work for -> more commission for them. (Of course, what they earn is none of my business.) Usually, in the BSE/NSE stock exchanges, there is an upper circuit limit of 5% for some stocks. It means that the stock can’t go up or down for more than 5% in a day. For other stocks, it is a 10- 20% circuit.

Now imagine that you are in an open position (which means that you have purchased stock) in the morning trade, and it was up by 1% when you purchased it, and this stock keeps going up till it becomes 3% higher by the middle of the day. Your greed sets in. You tell your broker to square off the position (sell that stock) when the stock is up by 4% to 5%. This is because you can’t hold this position, and don’t wish to take delivery of this stock as you don’t have the cash to take delivery. Also, delivery charges are higher. Generally trading leverage/exposure which broking houses provide is high. You can trade more, i.e. purchase/sell with limited CASH on the same day. You can’t hold the stock indefinitely. You have to cut/sell/square-off the current trade before 3.30 pm IST, before the BSE/NSE stock exchanges shut shop for the day. At 2.00 pm you check the stock and it is up by only 1.5%. So, now you begin to feel low, as you realise that you won’t make much of a profit as you need to add brokerage at purchase and sell. At 2.30 pm the stock is up by only 1%. You get into a panic mode. Afraid that it will fall further, you decide to sell. But by the time the market closes, the stock closes at 3% up. You end up feeling terrible and really angry at yourself. Your day is ruined! How many times has such stupidity happened to you? For me, it has happened many times. Even in cases where I have tried short selling (selling without actually owning stock), I have suffered losses.

Here is another example. I purchased some shares in the morning session (based on a Tip advisor’s recommendations). As the advisor had given a target price that was higher by 3%, I was hoping to make a substantial profit. The stock got purchased at 0.5% below the CMP recommended price, and I was feeling pretty lucky. However, the price went down by 1.8%, and the stop-loss got triggered. Thus, I made a huge loss. 8 out of 10 times, I made losses in my trades. But I learned my lesson quickly, in just two months. I made these stupid trades way back in 2010. In total, I made a loss (including brokerage charges + Tip advisor’s fees) of Rs. 25,000 (some $350 USD).

Resolve that you will not pay these useless fees or be lured by the tricks and manipulations of brokers/share agents, who often have their own interests in mind. I am not saying they are wrong, or they are cheats. But there are limitations and boundaries that they cannot cross. After all, they are faithful to their employers. They have to be. So they can never put your interest foremost! I want you to WIN, not lose. I pray to GOD that you win in whatever you do. I am saying this over and over again – knowledge with action is power. So, increase your knowledge. Don’t depend on Tip advisors and brokers. All you need to do is develop a WINNING ATTITUDE. And knowledge is the only key. Don’t say, “I can WIN.” Say, “I have to WIN.” Leave nothing to chance or to luck. Dream of a wonderful life ahead and set the goals to achieve it. People ask me, “Sanjay, you are so good at picking stocks. Considering India’s long term potential, why don’t you suggest some stocks that we could buy and hold on to?” Firstly, I want to empower you, so that you can take the best decision, based on your understanding and knowledge.

Secondly, I don’t want to be another Tip advisor (I do not like Tip advisors. So how can I become one?).

Currently, I have some 40 stocks in my portfolio and based on my study and understanding, I consider 10 of them extremely solid also, their future projections look promising to me. I will give you the names of only 5 stocks. However, don’t go ahead and purchase them (IMPORTANT) just because I believe in their growth story. You too should have solid faith in these stocks. You need to have the knowledge, and must have completed all the necessary investigations that I written earlier (especially, my 20 stocks identification parameters). Don’t believe in these stocks, I recommended because I believe in it. Confidence will come with knowledge, not with wishful thinking.

The five stocks are:






Now let’s talk of something else. You might have seen a lot of technical experts. Expert panels and advisors, give a lot of useful information, about companies, economy, stock market trends etc. And sometimes, they do give very good advice that rocks! What surprises me most is that almost all technical experts say, “We don’t have any position in the current stock, though our clients might have a position in this company.” This is the reason why they are always cool, calm, cheerful and smiling and can talk on any subject. Whether the market falls by 1000 points or rises by 1000 points, they are always composed. I was listening, to an expert who said, “I said in April, 2015, that this market will not keep rising and therefore you need to sell. You will however get a lot of buying opportunities in August or September, 2015.” What a vision! Yet these very guys don’t invest heavily in the stock market. They only keep certain stocks in their portfolio for long term. Why? Because these guys want to be Happy and Peaceful, always. And don’t want anything to compromise with theirs peace, if things don’t work according to their assumptions.

I recommend that you keep only good stock in your portfolio. There should not be even a single bad stock. Always remember, ‘One Bad Fish Can Spoil the Whole Pond.’ If you can hold any share for the next 5 years, then make sure you hold. The long term story of India is extremely positive. Make sure that you look at these long term investments, when the country is having general elections, not before that. Otherwise you may experience a lot of pain, when the stock market is in turmoil or your investments are going down? I have seen that people are in the habit of looking at long term stocks daily or monthly!

Now, what should people do when the stock market is in turmoil? How can they keep their minds in control? And how do they control their emotions in those trying times? Well, I follow this strategy:

I prepare and revisit the following list, and then take a look at myself. Have, I achieved any of the goals? What do I need to do, to achieve the next important goal?


I can guarantee that you won’t have your investments in this list. What happens is that preparing this list changes your focus, from the stock market that is in turmoil to the 100 things to do before you die.

The next thing I often do is think of and visualize a vacation or holiday trip. Currently, I am thinking of my Amritsar, Punjab trip.

The points I think about are the following:

1. On which month should I go on the trip?

2. How long should the trip be?

3. What are the places that I should visit?

4. Where would I eat?

5. Where can I find the best street food?

6. Which 5-star hotel shall I stay in and what are its customer reviews?

By doing these exercises, you will keep your mind extremely busy. You won’t have a minute free to look at the state of the stock market. Sometimes, I get so busy that I forget to have lunch or to talk to my wife. Make yourself busy; keep yourself preoccupied with these things, so that you don’t have a single minute to talk to anyone. Forget about looking at the stock you own. You may say, “That you mean that, I should not look at the stock market? Then, how can I purchase the shares I wish to own?”

The answer is – we have such excellent systems available now that we don’t need to do that. For the last 10 years, I’ve been using ICICI Direct. Here, I keep all the stock and Mutual Funds. It automatically transfers funds from my bank account. I don’t need to do anything. (I have a bank account with ICICI Bank and it is linked to my ICICI Direct account. I don’t know how this works with other banks.) Their portfolio service is excellent. You can easily see profit/loss coming in equities. I have a portfolio for mutual fund operations as well. It is very easy to understand their order and trade book. (Please Note that, I am not related to ICICI Direct or planning to get involved with them. My opinion is based on my experience only.)

I don’t know anything about the systems other broking houses use? They might have better systems then this, but sorry friends, I can’t comment on them.

The ICICI Direct SMS service is excellent. (This, I love the most. It has given me a lot of peace.) You can customize/set a trigger for the stock you wish to purchase/sell. What happens is quite simple: I set the trigger on certain level. If that trigger gets executed, I get an SMS saying that the stock has crossed that particular level, and that currently it is at so and so price. At this point, I log in to my ICICI Direct account and purchase/sell that share, and close that site. It means that I don’t have to keep looking at the stock market. I can spend more time with my loved ones, or I can do the things that I love . Once, I felt that the brokerage at ICICI Direct was too high, as compared to other broking houses. So, I called my ICICI Direct Relationship Manager and explained my concern. He told me about prepaid brokerage plans that I could opt for. Therefore, I opted for the prepaid brokerage plan and ended up saving 65-70% on brokerage. ICICI Direct has introduced a new feature - VTC. It is very good and I use it a lot. What happens is - the system places orders for the next 45 days and you don’t even need to log in and check what happened to your order.

Order Validity: DAY IOC VTC

Select VTC order in this case.

What is ‘VTC’?

Valid Till Cancel (VTC) is a brand new facility offered through ICICIDirect.com. You can use this to place Buy and Sell Limit orders in scripts of your choice, specifying the period for which you want the order instruction to be valid. The period selected by you should be within the maximum validity date defined by ICICI Securities Ltd. (I-Sec).

How does VTC order feature work?

When you place a VTC order, you give an order instruction to I-Sec stating that if the order is not executed for the entire quantity, I-Sec is authorized to place fresh orders for the unexecuted quantity in your account on the subsequent trading days till the entire quantity is executed or till the validity expires, whichever is earlier. The feature allows you to specify the number of days during which you wish to place the orders.

Your VTC order will remain valid but will expire at the end of every trade date if the order remains unexecuted and if it is not cancelled or rejected. At the end of the day, after market hours, I-Sec will place overnight orders on your behalf at the same limit price and for the unexecuted quantity for the next trade date, provided your validity date is less than or equal to the next trade date.

I mean to say here that the systems are in place. Some of them are excellent system; you just need to have the knowledge. Don’t keep on doing old things in traditional ways because you don’t know the new system. (That doesn’t mean that things are bad) Lack of knowledge is not an excuse. People don’t know about something, they end up criticizing the system, which is not fair. It doesn’t matter which system you use. Or how much loss you have made and when. You just need to start doing the right things, after you have gained knowledge.

You have to learn the rules of the game, and then you have to play better than anyone else.”


Usually, technical experts and expert panels ask you to ‘always diversify,’ to have exposure to different sectors/business. Here are some of the clichés you will hear:

1. Don’t put all your eggs in one basket.

2. Don’t concentrate all your prospects or resources in one thing or place. You could lose everything.

3. Save more. Diversify your portfolio to reap gains.

I strongly disagree with the above statements. Why should you diversify? To avoid losing money, right? Look, if you want to play too safe, and your GOAL is to save the principal, then the stock market is not for you. Better invest in Bank FDs. To be very frank, share market investment is a risky proposition. But over a long term period, you will gain heavily, not just double but triple your investment. Some stocks can go even up to 10 to 20 times their original value. Diversification does not guarantee that your principal will be 100% safe. You will lose, but you will not lose heavily. If the market goes down, your portfolio will be saved. But there are no guarantees. After all, you are trying to put a few eggs in many baskets, right?

Think. If instead, you had taken the strategy of putting many eggs in a few basket!, and that sector is buzzing (you would know which ones as you would have selected the stocks after doing the necessary investigations and research), then some of your stocks might have exploded like anything, and some might have gone up even more than 50 times. (Some 15 years ago, I had invested heavily in the banking sector. And banking stocks returns exploded, giving more than 40-80 times returns, once even 100 times returns.) So, if you have done all the investigations and are not gambling with stocks, then your chances of losing are extremely slim. If you are open to risk, then take 100% risk. Don’t play too safe. Who knows, you may have exposure to that sector which is ready to explode.

As I have said in my earlier chapters, that patience is the key DEVELOP PATIENCE to hold, and believe in yourself and share, you have selected based on 20 parameters . I have explained earlier, especially when in market is in turmoil, then tightly hold your shares. You should not be scared with market falls, don't think that share will keep on rising once you purchased it! Stock markets do not work this way! If fundamental are intact, but share is not moving up! Instead it moved down 10% - 20% or 50% from you purchase price, then PLEASE don’t be sell your shares in panic , it will move move up! In few years, I am 100% sure of it...

Develop patience, it is beautiful thing, it can reward you many folds. Law of Increasing Returns always works and often it works like magic.

I have learned law of increasing returns in beautiful book – Law of Success book written by Napoleon Hill




Have you ever heard the phrase, “Birds of a feather flock together”? If you’ve ever watched birds in nature, you will know that this phrase holds true. If you look at a flock of birds, you will notice it’s made up of the same kind of birds. For example, you might see a group of sparrows flying together. You usually won’t see a sparrow, a seagull, a buzzard, a cardinal and a crow flying together. That sure would be a sight, though, wouldn’t it? So why do birds flock together? Scientists believe that birds tend to fly and hang out together in flocks because there’s safety in numbers. Flocking together helps birds stay safe from predators. One bird alone might be easy for a predator, such as a cat, to attack. However, a cat wouldn’t stand much of a chance against a flock of ten or more birds. Did you know that people sometimes behave the same way? It’s true! “Birds of a feather flock together,” is an old proverb that is often used to describe groups of people.

A proverb is an old saying that’s considered wise or good advice. “Birds of a feather flock together,” has been around in the English language since the mid-1500s. When applied to people, this phrase means that people who are similar to each other or share similar interests tend to spend time with each other. You’ve probably noticed this at school. The friends you used to hang out with were probably people who were similar to you or who liked the same things as you did. It’s only natural for people with similar interests to hang out together. However, it doesn’t mean that you always have to spend time with the same people. People have many different interests, so you may be part of many different groups that share different interests. For example, if you play soccer, you may hang out with your soccer teammates from time to time, but you might also love to play chess, which means you might also hang out with friends who are on the chess team.

This is the main reason that kept me small. If I was driven by poverty thoughts, how could I be rich? Some 20 years ago, I was completely driven by poverty thoughts and doubts on everything I did. It meant that I was living a life of low self esteem and lack of confidence. Anyway, my brother Naresh Gupta (People knew him as Bobby. He is no more.) We used to have a small grocery store beside our house where we lived. I had a share trading account with him and we had some 50 shares of the State Bank of India, which was trading at Rs. 250. So, we decided to sell and invest the same amount on the shares of another company. In those days we had to do a lot of things manually and we had to depend completely on brokers to sell or purchase shares. Also, we had to send the physical shares to the registrar to get them transferred to our names. So, things were quite different from what they are today and we had to wait for months to get the shares transferred. We got some Rs. 12,000 from our selling proceeds and invested the entire amount on what the broker has suggested – on some share that was trading at Rs. 11. Few years later, I discovered that the same stock no longer appeared in the newspaper. So, I called the broker about this company and his words shocked me. I want to quote what he said verbatim:

Broker: This stock was last traded at Rs. 2. If you wish, I can enquire more about this company.

Me: Okay, please do so immediately.

A few days later, he called.

Broker: This stock is trading at Rs. 1.50. What do you want to do?

Me: Sell immediately.


Broker: Your stocks sold at Rs 1.45 per share. We will pay you the money once we receive it.

Me: Okay.

But he did not pay. Months passed and finally I had to recover the money from him. I had a good stock (SBI), but purchased these stupid shares and made a heavy loss. I was not even able to get 25% of the original amount paid in the SBI issue. Why did this happened? It is because I always associated with people who had similar poverty thoughts. Also the broker was poor and lived in a poor house and drove an old scooter.

I will give you another example.

I worked at an IT job with a company called Churchill in 1999. I used to travel by chartered bus from Nehru Place, New Delhi to Meerut, though my office was at Greater Kailash, New Delhi. I used to travel with a friend, who worked in Nehru Place for a brokerage house. I always loved investing and stocks fascinated me.

One company looked promising, so I asked my friend to purchase that company’s shares for Rs. 50,000 through his brokerage house. (This was the money I had in my savings account with ANZ Grindlays Bank, now called Standard Chartered Bank.) Again, you can relate this example to the proverb “Birds of a feather flock together.” I was able to acquire this stock at Rs. 46 (approx. $0.7 USD). But a few months later, my friend said, “As you need money for your marriage, why don’t you sell this stock? Also, I have inside information that the share market is going to crash in a few months.” (He was a very nice man and the stock market did crash.) As the stock was trading at Rs. 57 at that time, I decided to sell. Now this stock is trading at Rs 1,780 (approx. $26.5 USD). I had poverty thoughts, not rich thoughts, so I liked similar people. You can’t be rich with poverty thoughts. Your subconscious mind will keep you poor.

Think Big no matter what.”


Let me tell you, getting rich is not going to be easy. It will be difficult. You will experience a lot of setbacks, disappointments, a whole lot of pain, and a lot of people will leave you. Even better, that you! leave a lot of people. People will call you with lot of names – mad (pagal), crazy, insane, idiot, fool. People don’t wish you ill, but they don’t want you to leave them. So, they will try to give suggestions – based on their limited knowledge and understanding.

But, if you really want to get rich, stop flocking with them immediately. If your relationship is getting abusive, then there is no point in sticking to it. Respect is both- sided. You should stop respecting those people who are in the habit of abusing you.

Garbage in, garbage out”


If you keep hanging out with the same old people, how can new people come into your life? If you keep maintaining your old portfolio, then how will you have a new one? If your mind is filled with old, limiting beliefs and negative thoughts like “I am not good enough!” then how can you have blissful, happy, winning, opulent thoughts?

In a lot of old Hindi movies, we see that to maintain love and peace a man doesn’t speak up at all while a woman with ill intentions does all kinds of unhealthy things/tricks and manipulates people/facts with untrue statements. This goes on for 40 – 50 years, till one day, this man takes a stand and says enough is enough, and that he won’t tolerate this nonsense. That is when things change. And the film ends with a happy family. So why don’t we take the stand now? Why wait for 40 – 50 years to be happy? Decide to hang around with positive people and stop flocking with negative, critical, complaining people. You need to understand your habit of flocking with failures – people who don’t have dreams and goals. You must replace them with those who are dreamers and achievers, people with passion, love and a positive outlook to life who keep working on their dreams and goals. This is the main reason why people do not grow. They blame circumstances for not being able to achieve their goals and dreams. They often say that other people are responsible for their failure. The truth is that you and only you are responsible for your failures. People do what is good for them. If it is not good for you, then please stop flocking with them, leave them. They don’t deserve your love and respect. You need to be very clear on this.

Changing your habits is also very important, change habits to change life: We are creatures of habit and this can lead to staying comfortable, like snuggling up with your favourite pillow. However, when was the last time you went to get your coffee and tried a different flavoured latte? Have you ever driven to work and suddenly realized you don’t remember making any of the turns, yet shocked yourself to realize you were already in the parking lot? Our life can tend to run on auto-pilot and we spend a large amount of time completely numb to what is happening around us. Therefore, by changing up our typical HABITS, we begin to become more awake to the experiences of our own life.

In this chapter I want to you to develop of being creative, change habits and do the things which give you joy (without harming others or getting involved in any unlawful acts), think out of the box, and think differently! And last PLEASE don’t waste your time trying to impress peoples.

When u are not rich & famous people. If you call peoples, then they end up saying that they are ‘BUSY’, I can’t understand what they are busy doing? I guess doing nothing!, but when you are rich & famous, the same people wants to associate with you, now you get BUSYIRONICAL




“Persistence is to the character of man as carbon is to steel.”

― Napoleon Hill

Simple Definition of persistence:

the quality that allows someone to continue doing something or trying to do something even though it is difficult or opposed by other people.

the state of occurring or existing beyond the usual, expected, or normal time.

We clearly know what persistence means, or we can say persistence can keep us going on, in-spite of any obstacle we can imagine. I think there is no difficulty in understanding definition of persistence but we fail, and we normally quit trying, and easily get discouraged with few failures.

A great example of NOT persisting, and understand that why we should persist?

Are you three feet from gold?

Today, I was listening to the audio book of ‘Think and Grow Rich’ by Napoleon Hill, as I gazed out of the window of the car, that was carrying me. It’s not the first time, I have listened to it, but I get something more each time I do.

Here is a famous story that Napoleon Hill relates in the book:

Three Feet From Gold – The Story of R.U Darby – three feet from gold.

In the 1860′s R.U. Darby and his uncle, joined the American gold Rush, and bought a plot of land in Colorado where gold deposits had been found.

After he acquired the land and the necessary mining machinery, they set to work in earnest. However after a number of weeks of digging the vein of gold that Darby, and his uncle were following had completely disappeared. Disappointed and defeated Darby decided to cut his losses, and sold everything to a junk man for a fraction of the cost.

Well, it turned out that this junk man, decided to get a second opinion on the land, and hired a professional surveyor, who concluded, that there was actually a very large gold deposit very close to where Darby had stopped digging.

In fact it turned out, to be just the same, three feet away! Darby had literally turned back just before he hit a fortune in gold.

Even though Darby later went on to build his wealth selling insurance, this was a bitter lesson, he would never forget.

The junk man on the other hand made millions, from the land Darby had abandoned three feet from gold.

You are three feet from gold?

This is a lesson for anyone who gets easily discouraged by disappointing results, he/she needs to persist until they reach a goal, so Folks, never ever give up!

We are now living at a time that many are calling the digital gold rush, yet many who would like to make money online are still struggling. In this digital economy there are however plenty of ordinary people who are cashing in, and creating a life of wealth and freedom for themselves by learning a few simple strategies…

So why can’t you?

Yes, there is a lot of hype and plenty of dead ends out there, but this is no reason to give up looking. If, I could show you a way to get started with minimal investment, and no technical knowledge would you take it?

In fact, I think you are closer than 3 feet from gold, I think you are few clicks from gold!!!

Just take a few moments to visit my website, and have a look at an opportunity you now have at your finger tips, and find out that how we can work together, I will happy to help you.

Okay, Let me tell you a story from my own life, example of persistence. I am having a health insurance from different company for many years, but not from this company.

Story goes like this:

In year July, 2015 agent of health insurance company Max Bupa called me and said benefits regarding new health policy over my existing health policy to which I said “I am not interested in this policy, please don’t call me again.” and disconnected the call.

Two day later, this person called me again for second time, and told me regarding other policy benefits hearing this, I said “I am not interested in other policy benefits, don’t call me again” and disconnected the call. A week passed this person again called me, and said about family floater etc hearing him, I said “didn’t I told you last two times not to call me? next time don’t call me. okay”. But this person again called me, for the fourth time, hearing his voice I said “I am busy in something, and I am not at all interested in Max Bupa policy so stop calling me”!

But this person has not hesitated to call me again for fifth time, after listening so many no’s, he said “Good Morning Sir, how are you?” to which I said “I am doing good, didn’t I told you last four time that not to call me, then why you have called me again?” to which he said “Sir, I have called you to discuss about discount on policy premium, and new sum insured.” listen this I said “okay, send me details on my email, if I find policy details good then I will contact you.” two days later, I called this person and said “I find your policy okay, what is the premium I need to pay?” listening this he said “[_ Thank you sir for choosing us, your policy premium is Rs _________ and sum insured is Rs _________ ]” to which I said “[_you know that you are only able to make policy sale because, you have refused to get discouraged by NO’s, and keep on calling me again & again, in-spite of my telling not to call me, always keep this winning attitude, thank you…]” and I have disconnected the call.

He was only able to get policy sale because he persisted, he didn’t get discouraged by no’s, he didn’t get success in first or second or third or fourth call he made! you know that largest policy sales comes after 4-5 no’s, I am not from insurance industry or possess insurance background but insurance companies can tell you more on this…

Okay, here is one more story from my own life on persistence, when I was trying to get my first book published.

I have read in few article and watched some interviews of publishers that certain publisher are always looking for new talents and promotes new authors, hence I got existed and thought how easy to get your book published… I have written email and called many publisher to get my book published, shared manuscript of my book to many publisher, basically there are two type of publisher, first: traditional publisher which is of cheap, as all cost of publishing & printing book is taken by publisher also lots of marketing activities, are done by publisher, or its PR agency, second: self-publishing, where all cost of publishing & printing book, is taken by author, here marketing expenses are done by author, so cost of book is high as compared to traditional publisher. I have called / written email to approx 110 publisher of which 80 are Indian publisher and approx 30 are International publisher, some of them said:

Give me two months to revert but they never reverted…

We only do fiction books.

We only do educational books.

We are looking for non-fiction romantic story.

We will call back once your material is approved by book review committee.

I am travelling, will call you once back, I am still waiting for their coming to homeland.

This year limit of taking new authors is filled up! better luck next time…

We don’t do any business with unknown authors.

We only work with limited authors, sorry we can’t take you etc.

It goes for approx eight months one Australian based self-publisher called me up, and said “most of the traditional publisher is looking for new authors, who has already written book, and his book has created demand in marketplace, so, there no point of writing e-mails, or calling traditional publishers, as they will never publish your book, you are left with self-publishing mode consider us, we will offer…” but, I never thought of quitting and never get discouraged by 110 NO’s. As persistence, is the force that keep me going also, I write because I love to writing, finally I got my book published: “Art of Investing – think like investor NOT as a trader

But it is also TRUE, that we get easily distracted from our goals & dreams by few failures, when going gets tough our mind conveys us that it is good for us to QUIT, GIVE UP!, it is OVER, no point of CONTINUING, you have reached DEAD-END now etc, so we ask ourselves “well it seems tough, should I quit?” now our subconscious mind, is put on work, and it gives proofs, from old stories, and tell us we should quit!!! based on judgment/opinion of subconscious mind, finally we decide that we should QUIT

If you limit your choice only to what seems possible or reasonable, you disconnect yourself from what you truly want, and all that is left is a compromise.

― Robert Fritz

Folks, failure is never final, it is only temporary setback but, if you decide to QUIT, and stop trying then failure become final, and you have to LIVE/DIE with this reality.


Friends, stop saying, I wish I had!, and start dreaming, writing your goals on papers, and remember NEVER ever quit…

People will say “Sanjay, how can I get something, if I don’t wish for it?”

Folks, wish list has no power in it, because there is no dead line to achieve it, or there is no burning desire, and action plan to execute your wish list.

If you wish something, and you write down your wish on paper, with end date, with action plan to achieve it, and burning desire with a reason that – why you need that thing? then it is no longer your wish, your mere wish, is converted into goal.

You, should have goals not wish-list, then write your goals on papers, and make sure to have end date on your goals; you should have goals such as “I will be driving BMW on or before 31-Dec-2025”

[* There is huge difference between wishing for riches and getting ready for riches unfortunately 94-95% people wish for getting rich. And money flows to 5-6% of people!!! *]


I know many people who wishes for more money, more luxury, more time to spend with family, friends, and loved ones, more vacations, more luxuries trips and more free time to do the things they love most, but wishing never works, or money start to flow by just wishing? NO NO money do not works this way!!!




Feeling gratitude and not expressing it is like wrapping a present and not giving it.

William Arthur Ward

When I was a kid my father used to say, “We would have been very rich if I had been able to start a bread factory for which I needed Rs. 7,000, which was denied to me at the last moment.” I don’t want to go into details, but all this depends on the vibration you are sending to the universe. Are we sending positive vibes or negative vibes for others?

If we are thinking positive thoughts about others and helping them achieve their goals and dreams (you don’t have to invest your money or time for this, just two minutes of daily prayers will do), how is it possible that your goals and dreams are not fulfilled? The universe never leaves anything in vacuum. It works like magic. Please do it. The theory behind this is – if you are not grateful to the universe (God or the supreme power) for the things you already have (that were given to you by the universe),then what is the guarantee that you will be grateful to the universe for your future goals and dreams?

The following lines should be repeated ten times in the morning after waking up and ten times in the evening before going to bed.



You need to understand that “As we sow, so shall we reap.” People are not clear about their dreams and goals (their own, not those of their parents, partners or friends). I think most of you have seen the movie ‘3 Idiots.’ In the film, from the day Farhan Qureshi was born, his father proclaimed that he would get an engineer. But when he got admission into an engineering college, he realised that being an engineer was never his dream. It was his father’s dream. Out of love and respect, he tried to fulfi l what his father wanted for him; even though it was not what he himself wanted. He pursued engineering only to please his father and make him happy. He had a passion for photography and his dream was to become a wildlife photographer.

Aren’t most people doing the same thing? People who see the film criticize the father, whereas at home they behave the same way. People not only choose what they love to do in their own lives, but choose for you as well. If this is a rule, then you should have the right to choose for their lives as well. So, follow your dreams, not those of your parents, partners or friends. My wife loves her job so much that she can’t think of leaving it or retiring. She has great passion for her work. I, on the other hand, don't have the same passion for a job. My passion lies in stocks, mutual funds, and motivating people to come out of their financial mess. People always want to dominate and control you. You can’t imagine how they control you and make you to obey their orders. If you are smart and refuse to obey their orders, they play emotional games with you. And the emotional games and tricks they use can get very dirty and painful. Ultimately you are left with no choice but to fulfil l their ill wishes and greedy choices. If you revert back even with 10% of what they said to you, then they will refuse to listen and shout at you. They say, “You accepted this decision, you were happy about it. If things are bad now, you can’t blame us.” Well, if things were that good and every decision was according to my desire, then why I was living a depressed life and having suicidal thoughts till 2008? To stop these noises from interfering with your life, tell these guys to SHUT UP! Respect is earned, not demanded. Even if they are older than you, then also you can have a choice and say NO to them.

It is all in the vibrations that you are sending out to the universe. You can’t fool the universe. The TRUTH will not change if you deny it. Don’t live your life trying to fulfil other people’s goals and dreams. You love your family and friends and do many things out of respect for them. They too need to understand their boundaries in the relationship. If the relationship is getting abusive, you must leave it. There is no point in sticking on to an unhealthy relationship. I call such people extra-smart people. They are everywhere. You don’t need special eyes to find them.

Remember the following words and repeat them to yourself everyday:

Ask, and it will be given to you.

Seek, and you will find.

Knock and it will be opened for you.

I would like to thank self-help books and videos, including the wonderful video by T.S. Madaan. My intention was never to hurt anybody. Over the years I have never shared my feelings, frustrations, anger and anguish with anybody. Only Garima knows a little about them (and she is not interested in talking about my past life). Usually, there are 3 types of people.

1. Winners

2. Losers

3. And people who don’t know how to win

I have gone through all the 3 stages, and in the process I discovered how to WIN. Now I clearly know what should be done to win and how it feels to be a WINNER. I understand the power of good stocks and SIP. I have discovered how to live a blissful HAPPY life. And the power of a great investment portfolio. Therefore, through this book, I am sharing some of my experiences and feelings on this subject.

You need to do POWER POSING. It is a very powerful thing. I do it a lot, and have achieved the impossible with it. I am not asking you to do this in front of everybody, or in the interview room, or on a negotiation table when you are about to sign a big deal. But you can go inside a washroom, where nobody is watching you, stand there in power pose for TWO MINUTES. Close your eyes and visualize yourself achieving success in whatever you are there for. And say to yourself, Yes, I did it. You need not say this loudly. You can say it quietly to yourself. Don’t bother if you fail in the interview or aren’t able to get that deal through. You will not get results immediately. But keep doing it, and believe in the power of posing. Folks, what happens is that: Power posing raises testosterone levels and lowers the stress hormone called cortisol. That’s not all. Something bigger happens at the subconscious level and after some time, your subconscious mind starts believing that you can do it! It starts creating circumstances to make it possible. And wonderful things begin to happen. I will share more on the power of the subconscious mind in my motivational books. I learned about this a few years ago from Amy Cuddy, TED Talks.

Let me give you an example, from my own life. I watch the film, ‘Law of Attraction’ quite often. I have watched it more than 50 times already. A few years ago, I started losing my hair. It grew more and more thin every day. I tried many hair creams, hair oils, popped tablets and wasted more than Rs. 50,000 (approx. $750 USD) to stop my hair from falling, and to grow it back. But nothing helped. The more I worried, the more the hair loss. I got really anxious. A lot of balding people feel the same way. Though my hair had not fallen so much that I looked completely bald, but patches of baldness could be noticed all over my head easily and there was very few hairs left on my head.

One night, few years ago, I had a nightmare that I was completely bald, with not a strand of hair on my head. I was in a party where there were some friends from a company I previously worked for. One of them said, “Sanjay, four years ago, when we used to work together, you looked so good. Now you are bald!” He began to make fun of me. I noticed some other friends also laughing at me. This was too much for me to handle. I left the party. When I was taking my car out through the driveway, my wife said to me, “Why did you ruin our evening? They were just kidding. If you are bald, accept it. There is nothing wrong in accepting facts.” I woke up from my nightmare and looked at the clock. It was 2 am; a cold winter night. I touched my head and looked at myself in the mirror. I still had hairs. I was happy. That night, I decided to do something about my problem. I watched many YouTube videos, searched through many Google pages, read many articles and websites, but nothing was convincing. Then, around 5 am in the morning, a thought struck my mind. If the Law of Attraction is so powerful and works for those who BELIEVE, it should work for me, if I visualize myself with hair like Hrithik Roshan, the actor. (I love to have hair and a body like his).

From that day onwards, I started to visualize myself with hair like Hrithik Roshan’s. Every morning and evening, I would stand before the mirror and say to myself, “Sanjay, you look pretty good. You have hair like Hrithik Roshan’s. Jhakaas!” (Jhakaas means superb. It is a word made popular by the actor Anil Kapoor.) I did this exercise daily, after waking up in the morning and before going to bed. The next time I went to a salon for a haircut, I asked the barber, “Can you see any new hair growing on my head?” “No,” he replied. It was the same answer for 8 months, but I was not ready to quit. I kept on with the exercise. I asked the barber the same question every time; I went for a hair-cut. A few months ago, when I visited the salon, my barber finally said, “Sir, there is a little new hair growing. I can see your bald patches getting covered!” Hearing this, I was overjoyed and immediately thanked God. A few months later, I visited my father in Meerut. He said, “Sanju, I notice you have some new hair growing.” To this I replied, “Thank you, Papa. It happened because of positive thinking.” I finally got an acknowledgement from my father. That was what I wanted. Once again, I thanked God.

To give power to your goals and dreams, you need to envision things. With your mind’s eye, you need to see, and believe in the things which others can’t see or believe in. People believe only what they see. If they can’t, they will discourage you and give you reasons why it is not possible. Why listen to negative words and get discouraged?

Give credit to people due to them! In the year 2008, when I was going through the worst part of my life, and it was getting difficult for me to handle life’s turmoil, I was living with the idea that nothing was good in me. That nobody liked me. People had wronged me, tricked me and played with my emotions. My past was haunting me, and I began to feel suicidal. I would visualize how my previous bosses had humiliated me. One had said, “What I have seen in you that made me, hire you?” I remembered another time, when I was sitting with my boss for my review. To show his power and arrogance, he put both his both legs up on my chair. That was the worst day of my life. I was so humiliated that not only did I decide to quit my job (where I was considered a complete nobody) but to end my life as well. I will take this opportunity to say a few words to that gentleman – “maybe you have achieved great things in the US, or you are considered a God in the company you work for. But remember, you are NOT GOD. The universe never leaves anything in vacuum. If the same things happen to your son someday, and he too is humiliated in the same way as you humiliated others, how will you feel? I have already forgiven you, but remember God will not. Someday, you will have to pay the price for your sins!” I couldn’t visualize my daughter in tears, growing up hating her father, thinking of me as a coward. So I was not okay to take that dirty step (to end my life), actually I was not being able to get solutions to the problems in my life quickly. A year later, I came across a YouTube video on the life of Gautama Buddha. I became deeply interested in the words of Buddha and felt inspired by his search for the truth. I had finally, I got the answers; I was looking for. I was not at peace ! So I decided to do something that would help others. I started contributing to UNICEF, then SAVE THE CHILDREN, then HABITAT. But I was not contributing with discipline. Some months, I’d contribute a lot and some months, I’d contribute nothing. But in August 2014, when Narendra Modi became India’s Prime Minister, I decided to contribute 1% of my earnings to the PM relief fund, every month, without a break. Also, I have made a commitment to myself that I will give 5% of whatever I earn, from my company or as royalties from my books to the PM relief fund.



I am not asking you to contribute to the PM relief fund. But give something to the poor, through any charity you like. Actually, I want to contribute to the poor people, but find it difficult to trust any charity. There are so many fraudulent trusts operating all around, and I don’t have the time to investigate them. That is why I decided to contribute to the PM relief fund. Some may say that there is cheating at that level too. If you think that way then there is a big problem with you. If you doubt everybody, then you can’t start contributing, and you will never help anyone in your life. I have seen a lot of people, who have a trust deficit issue.

Many say, “I contribute by donating my old clothes! ” That is good, but you are just cleaning out your wardrobe. So, start with small contributions. Help the poor, people who are not as privileged as you; There is no rule that you have to start with 1%. You can even start with 0.1%. Just make sure you do it! Please do not procrastinate this. I have many stocks in my portfolio which I have purchased at the lowest point of the day, and sold at higher points of the day, and those shares have never touched that height again. If you start by contributing even 1% of your profits to poor, what will happen is that this 1% will apply its force to generate more profits for you ( here Law of Increasing Returns works) the universe gives in many folds, what you have originally investing, money don’t STOP coming! So, generate in yourself “The Joy of Giving.” It is the ultimate secret.

In August - September 2015, Indian markets went through a large correction due to the China factor. My portfolio lost 30% of its value from its high. As a result, I churned a lot of shares, and purchased some really good quality stock, but the market kept going down. My quality stocks also went down. I said to myself, “ Sanjay, hold on. You are not giving properly? ” So, I quickly made a contribution to the PM relief fund. The next morning; I saw some poor children walking on the streets. I gave them some money and to other groups of children. Today, on the 12th of September 2015, as I write this, my portfolio has already recovered 10% of its value from its low.

What changed?

I can’t explain how it works, but it works amazingly well. No cheating is allowed, because you cannot cheat the universe and your subconscious mind records everything that you are doing. I made bigger profits when I tied my returns with these activities.

In the previous chapters, I have already told you how to do discipline investments. But this is the ultimate secret. It will bring you more happiness and joy, than you can imagine. You will have more riches. Just do this and you can enjoy all the luxuries that you have imagined. You know, if I have to list the names of the people who have wronged me, the list will contain less than 10 names. (I don’t hate them. I have already forgiven them, though I still do not like what they did!) But if I list the names of people who have helped me, the list will contain hundreds, if not thousands of names. You need to find something to appreciate each day. Develop a habit of looking good in others. If you notice that people are not smiling, it means that you too are not smiling. Smile and they will smile back.

There was a time, when I did not have a chronograph watch. I would dream of owning a Tissot watch, and was planning to buy one. At that time, my bro-in-law, Saurabh, bought me a Swatch watch from Switzerland. Though I had visualized a white coloured dial, it has a dial whose colour was similar to the BMW logo. So, I told him, “This is great. Now I’ll have to buy a BMW to match this.” Thank you, Saurabh, for the lovely watch you bought for me! You need to give people the credit due to them. Say thank you often. Respect people. And don’t judge people by their status. Give respect and love freely. If you can’t say something good about something or somebody then don’t say anything at all. Keep your mouth shut. Don’t say anything bad about anybody. (Stop yourself from offloading dirt from your mind onto others.)



Forgiving means that you have to forgive people who have wronged you, caused you pain, or broken your trust. However, you should not forget the lessons that the experience taught you. These are important lessons, that life has taught you, so be sure to remember them. Life is too short to live with the pain they caused. Forgive anyone who has caused you pain or harm!

Keep in mind that forgiving is not for others. It is for you. Forgiving is not forgetting. It is remembering without anger. It frees your power, heals your body, mind and spirit. Forgiveness opens up a pathway to a new place of peace where you can persist despite what has happened to you. Forgive yourself and create a place of freedom, inner strength and serenity within you. Affirm to yourself – I am now free. Peace, love, and harmony are within and around me. You have something special. You have GREATNESS within you!

Les Brown

You might ask, “Sanjay, if you are so rich then, why are you not living in a villa or why don’t you drive a XUV?

Folks, I was greatly influenced by Robert Kiyosaki’s book, ‘Rich Dad Poor Dad.’ One important message that is still clear in my mind is, ‘Accumulate Assets not Liabilities.’ House and car are liabilities (though middle class people consider them assets). People don’t know the difference between assets and liabilities, and accumulate liabilities thinking that they are assets. If your house is not generating an income for you, then it is a liability. Only if your house is for rent can then only it be considered an asset. So, Pankaj’s (who lives in Pune) house is an asset and mine is a liability. Secondly, Kiyosaki suggested that you can accumulate liability, if you have a supporting income for it. It means that you should not buy a liability by selling assets. So, I don’t want to sell my assets to accumulate liability. Also my assets haven’t grown to such size that I can buy liability, and I don’t want to accumulate liability with a bank loan, where I will end up paying for liability with asset income. You know, I have gone many times with my wife and property brokers to purchase villas/apartments. But I have always backed out from the deal with some excuse or other. Now, it seems the whole world has come to know the truth, including my wife, but that’s okay. Also, I have some good neighbours whom I don’t want to move away from, because I would miss them.

People may say, “Everything is good, but POWER POSING should not be part of the chapter on Gratitude.” I also thought so initially. Then, I decided to place power posing in the Gratitude chapter because if you can’t love and respect yourself, how can you love and respect others?




God gave you a gift of 86400 seconds today. Have you used one to say thank you?

William Arthur Ward

More profits will come to you, if you do the following things, apart from doing the other things mentioned in other chapters. Generate a habit of selling stocks within 15 minutes after market opens, i.e. between 9:15 - 9:30 am. And purchase within 15 minutes after 3 pm, i.e. between 3:00 pm to 3:15 pm. If you figure out that the stock you want to purchase is up 5 - 8 percent, then don’t purchase on that day. The next day, you will get it at cheaper rates. The above strategy is a good one to follow. 60% – 70% of the times, it has worked for me. I have been following this with discipline since 2012.

NOTE: Try to do most of the transactions, using VTC. As explained earlier, if VTC order is not executed and you want sell/purchase, do it at market rate. Don’t place the orders, and wait for it to get executed. Most of the time, your order is not executed in 15 minutes with bids. I often say, “India mein free ki advice bahut milti hai.” That means – “In India, you can get lot of advice for free.” If you ask even a beggar on the street about how to live happy and joyful, he will advise you about an infinite number of ways to be so! But is he doing any of the things he is advising? Of course not! These free advisers are available everywhere, and they can advise on any topic! Without having any knowledge, about subject you are discussing; you know, these advisors have done more damage in my life than you can imagine. And such people seemed to be extremely active around 1998 – 2008. These stupid people don’t know anything, but are among the first to advice. In 2006 I purchased 1000 units of a share at Rs. 76 per unit of a stock, based on my study of the market. But in 2008, an advisor on a news channel, I was watching said that this stock was likely to go down to Rs. 23 anytime soon. I began to doubt every decision; I had made and trusted everybody’s intelligence but mine. So, I sold all 1000 units at the rate of Rs. 31, with a loss of Rs. 45 per unit. After a few days, this stock went down to Rs 26. It made me feel good, and I thought of how intelligent the advisor was. In year – 2014, while I was watching a business channel, this stock came under discussion. Another advisor was saying – the stock in question had gone up too fast, too quickly, and it had a potential to cross Rs. 1000 in a few months. I was stunned and rushed to open my ICICI direct a/c to confirm. My fear was true. The stock was trading at Rs. 800.

Another example, two years ago, somebody advised me to purchase a share which was trading at Rs. 450 then, and said it could go up to Rs. 700 in a few months. I generally, purchase 500 units now this stock is trading at Rs 57, i.e. it has lost about 85 percent of its value. (All I can say to these advisors is, “Son, I am the principal of the school you study in.”) Most of the time, these advisors are not correct. They provide nonsense as advice. Doubt them, not yourself. You have greatness in you. You just need to discover it.

Most of these advisors, who are ready to advise for FREE on any topic, actually drives old car, lives in old house and have spoilt kids. They are not happy in office or in life! Are not able to manage their finances and are always complaining about the government or the economy. Look friends, it is 2015 not 2008, and the worst is over for me. But if you don’t change your habit of advising me, when it is not asked for? I will throw you out of my life. You will find your name on the top of the list of people I don’t like. And you can’t change my mind even 0.0000001% with your advice. Anyway, if your name is not on the list of people mentioned below, then PLEASE for GOD sake, don’t advise me on anything. I don’t care how good you think your advice might be:

Narendra Modi (PM of India)

Tony Robbins

Les Brown

Jack Canfield (Author, motivational speaker, life coach)

Dr. Subhash Chandra

T.S. Madaan

Sandeep Maheshwari

Amy Cuddy

Nick Vujicic

Rakesh Jhunjhunwala

Ajay Piramal

Ajay Bagga (executive Chairman, OPC Asset Solutions)

Udayan Mukherjee (of CNBC-TV18)

Rajat Sharma (chairman and editor in chief of India TV)

Chetan Bhagat(author, columnist, screenwriter, television personality)

Himani Nargotra(my friend)

Priti Padhy(ex-boss)

Mouad Tiyal(ex-boss)

Abdeslam Alaoui Smaili(HPS director)

Vikas Nagpal(ex-boss)

Mrutunjay Pattanayak(ex-boss)

Now, I am living the life of my dreams and I am financially free, not dependant on a job anymore. All this happened when I stopped listening to the advice of unsuccessful people who don’t have goals and dreams in their own lives, and replaced it with advice from the above mentioned guys. If I can do it, so can you. You just need to discover your hidden talent and stop listening to this noise. God has made you to fulfil your own dreams, not those of your family, friends, relatives etc. Don’t spend your life doing things that they would love, you should do! You have greatness in you. Discover it, and do the things that make you HAPPY. Live your life, challenge the impossible.

My humble request to CNBC-TV18, ZEE Business, other business channels, and print media that publish business articles – please provide the performance data of your advisors, i.e. the Hit/Miss percentage of advisors, if not every month, at least quarterly. This way, investors can know who provides good advice and whose advice is to be ignored.

You will remember that in many parts of this book, I have asked you to increase your KNOWLEDGE. I was able to get the financial freedom I desired, because I kept on increasing my knowledge of investing. I have not acquired great knowledge in a few days or in few months, but in many years.

Which landed me, becoming very good at picking stocks! That is why I’m asking you to increase your knowledge. The more knowledge you have, the more you will GROW. Your confidence will increase and that will translate into wealth and the opulent life you deserve. You must say to yourself that, “If I am going through a tough time, financially or mentally, it is because I am reaping what I sowed. So, next time, I will SOW more carefully”.

I want you to focus on the following 5 points. Whenever you doubt yourself, please refer to them. They will enable you to take responsibility of whatever you do (most people don’t want to take responsibility and are ready with the blame game).

1. Think: We need to understand ‘what exactly we think about.’ We need to know that ‘As we sow, so shall we reap.

• We need to be positive in our thinking, and avoid all negative thoughts.

• We need to understand this, literally and emotionally, the principle that we become what we think.

2. Imagination: Cutting out all negative thoughts from our minds, we need to understand that all limitations are self-imposed. The opportunities offered today and tomorrow are enormous beyond belief.

3. Courage: With all courage and energy, think positively about your own problems. Let your mind be open to think about your goals and dreams.

• Let your mind imagine all possible ways to achieve your goals.

• Let your mind refuse to believe that there are any circumstances sufficiently strong to defeat the achievement of your goals.

• Act positively and decidedly towards your goals.

4. Important: Save 10% of what you earn and donate 1% of your earnings to any charitable activities that you love.

• You need to tell your mind, “There are many possibilities for rising in my current work or task, if I am willing to pay the price.”

5. Action: Ideas are of no use until we act on them.

NOTE: few of the chapters are repeated, in this book deliberately, actually certain concepts are so powerful; that I can’t restrict readers of one book to have benefits of it, so I mentioned in this book as well like GRATITUDE chapter, which you can find in almost all books I have written, or in my many other books I will write in future!

I shall conclude this book with the following beautiful words:

We think luxury can never be defined… it can only be felt. In a way it’s like art, if you understand it then you really know it’s worth…”

Priyanka Tiku Tripathi (vice-president, marketing, FORBES INDIA and CNBC-tv18)



Thank you for reading my book. If you enjoyed it, won’t you please take a moment to leave me a review at your favorite retailer?


Sanjay Gupta


mailto:[email protected]

About the author:

My name is Sanjay Gupta having 41+ years of age, I was born in Jhansi, India and moved to Meerut, India, when I was some 8-9 years of age. So my childhood was spent in Meerut though my early kids’ years spent in Jhansi and grown-up missing Jhansi. I was ordinary person living ordinary life, problem got started from 2004, and was on peak in the year 2008. When I was blamed for everything that went wrong, so ultimately in 2008. I decided to end my life, suicidal thoughts was flourishing my mind, and I thought it was the best decision, I can take, but something has stopped me from taking that dirty step!

Through my book, I am sharing vast knowledge I have acquired which life has taught me, (different complexities of human behaviour specially in bad times), In my book, you will find out only things which worked, which I have used to come winner from depressed and full of suicidal thought individual, I have enjoyed a long career working as an IT professional with company like Churchill (now RBS), Fidelity, MindTree, IBT.

Currently, I am not working in any company as I have quit my job which I never liked, infact I was not passionate about IT job (9am-6pm : Monday to Friday really, we work in Dreams), the truth is IT jobs was NOT MY CUP OF TEA.

I am sharing my life experience & lessons that life has taught from time to time, through my book and self publishing is best way to reach great readers, like you fast and quickly. (I will be highly surprised, if you implemented the concepts I shared, not able to bring any changes in your destiny, develop patience, your destiny will change in NEXT 4-5 years, as mine… Thank You!)

Shakespir Interview hyperlink:https://www.Shakespir.com/interview/dreamsanjay

Discover other titles by Sanjay Gupta:

Art Of Investing

Say Yes To Success, Start Dreaming Rich Life Now

Connect with Me:

Follow me on Twitter: https://www.twitter.com/@motivatorsanjay

Like My Facebook Fanpage: https://www.facebook.com/consultantsanjay/

Connect me on LinkedIn: https://www.linkedin.com/in/dreamsanjaygupta


In the process of completing this book, I pay my gratitude to following sites, which are referred by me, to collect helpful information required:

sources: mywealthdesire.com

sources: https://www.advisorkhoj.com/company/ICICI-Prudential-Mutual-Fund/articles/Stay-Invested-with-Mutual-Fund-Systematic-Investment-Plans

sources: http://www.moneycrashers.com/price-earnings-pe-ratio-definition-explained/



Other must read books:

Money Master the Game 7 Simple Steps to Financial Freedom by –Tony Robbins

The Law of Success by -Napoleon Hill

Think and Grow Rich by -Napoleon Hill

Art of Investing by -Sanjay Gupta

Say Yes To Success, Start Dreaming Rich Life Now by -Sanjay Gupta

How to Get from Where you are to Where you want to Be by -Jack Canfield

Eat that Frog! by -Brian Tracy

The Keys to Success by -Jim Rohn

How to Attract Money by -Dr Joseph Murphy

Learn To Become Rich From Stocks, Patience Goes A Long Way.

I have written this book, for all the readers, who don't have prior knowledge of stock market (persons with stock market expertise will benefit too!) and love to generate wealth by investing in long term, patience and shares holding for long term has power, which I have explained in my book. Folks, I have mentioned only those concepts which rocks and helped! me to grow my portfolio over years, and enabled me to become financially free, means out of rat race, hence I was able to resign my day job, no nonsense formula was discussed in my book, only you will find concepts which works!

  • ISBN: 9781370677597
  • Author: Sanjay Gupta
  • Published: 2016-09-05 11:16:17
  • Words: 29284
Learn To Become Rich From Stocks, Patience Goes A Long Way. Learn To Become Rich From Stocks, Patience Goes A Long Way.