Personal Finance lessons from Animals around us


Awareness Story part1

Uber Driver Sanjeev Ranjan from Mumbai says that his second daughter was not planned and family did not want to own her . They Considered her not so lucky , becoz he lost his job at Jonson and Jonson then . He got 42 lakhs from his company and purchased all Nifty stocks in 2008 in his daughters name who was named by him as “Nifty” .

Today he says his Nifty is worth 56 lakhs and probably will be richest when she becomes major . He has allocated three house in name of his three daughters . He invest his money in Liquid funds and short term emergency fund in ultra short term funds . Operates Demat account at Kotak securities .

Lesson – Unlucky can become lucky if right decision is taken

Learning – Awareness of commitment can ensure better future for self and family


Observation – if the Uber Driver SANJEEV Ranjan has employed an advisor – probably the wealth creation would have been faster ,better and healthier. In absence of an advisor he lost 40% of his portfolio after he invested his 42 lakhs . Then it started moving up again .

The Discipline and dedication and person is very high and result is the wealth he has created . But the need of an advisor is there for all of us . It’s better to higher an expert in the field you are focusing . Fee need to be paid but still the growth is better

5 vows of goal based financial planning

How is Five Great Vows Of Lord Mahavira connected with Goal Based financial Planning

At the heart of right conduct for Jains lie the five great vows:

1. Nonviolence (Ahimsa) – not to cause harm to any living beings – if one is investing for his or her goals he is Practicing Non violence because his dreams will not perish and not die

2. Truthfulness (Satya) – to speak the harmless truth only- when someone is truthful to his dreams and goals . He is aware of the truth and working on it will ensure not harming self and near and dear ones

3. Non-stealing (Asteya) – not to take anything not properly given- When small amt is saved every month for goals . Emergency funds is also kept aside ( requirement of a goal based financial plan ) , there is. I need to steel and tell untruth

4. Chastity (Brahmacharya) – not to indulge in sensual pleasure- save 50% of the earnings for Goals . Spend less and stop unnecessary expenses leads to exclusion of sensual pleasure .

5. Non-possession/ Non-attachment (Aparigraha) – complete detachment from people, places, and material things. Once you have planned and kept aside the for your goals getting detached with the results is the key . One has to save for goals as if it is just his or her duty (Karma) . The saving is for a cause like child education, Child marriage , retirement , emergency fund , vacations for parents and family or owning a house . Non possession never signifies not to own it signifies own for a cause / Goal . And non attachment is connected with result . We have no control over result so never fee sorrow or happy about the outcome .

@volatilitycoach #yourstruly


We need guards in sports and also in life . The coach and teachers in life act like a guard in life .

Did you ever realise what makes a car move in such a speed . The driver can speed the car only and only because of one things in the car and that is “Brake ” yes because the car is created with this unique guard called brake the driver has the ability to drive it fast and in speed . He is rest assured that the car can be stopped anytime .

In investments also a Volatility Coach’s work is similar . He is the one who can ensure that the speed and progress of an investor can be ensured . The best part of all this is the hurdles reduces and are controlled by the Volatility Coach .

One must therefore ensure that he or she equipped with the guards .

Note the image is picked from Google and we have no right to the image . We have framed the content and we have used a suitable image in this respect


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Live your present to the fullest. Invest now and forget.


A dog is man’s best friend. Is that why the dog is happier? No, that is not the case here. The man has a lot of financial stress. His mind revolves around how he could manage his funds for these investments such as his home loan, car loan or travel expenses. This keeps him occupied and unable to enjoy even the leisure moments of his life. Even though he is sitting in a scenic place with his dog, he has his mind elsewhere. Contrary to that the dog is perfectly enjoying his present condition and living his life to the fullest. The precept is if we keep on worrying about our financial conditions without much of a plan; we are bound to end up like this man, troublesome. The story below highlights the point.

In primitive times there once ruled an intelligent king who constantly worried about something or the other. And every now and then, for various reasons, he used to feel helpless and hapless. He often behaved like those ordinary people who for lack of resources could never face a problem in a lively and bold manner. As a consequence of which he never laughed. Even his ministers never saw him laughing. Nor did they ever smile in his presence.

One day, the well wishers of the king, discreetly thought of ways and means to change his attitude towards life. So, they made a plan. Next time, when the king’s court was held; like every other time the king called for his closest minister and said, ‘I’m worried about something.’ Upon hearing this, the minister promptly replied, ‘yes your honour. I know that, and I have been thinking about it.’ On hearing the minister’s reply the king was astounded, ‘even without my telling you, how do you know about my worry?’ He asked.

Minister humbly replied. ‘Your majesty. I’m not interested in learning about your problem, because I already know the solution to your problem.’ King was surprised at this when he said, ‘even without knowing my problem, how do you know the solution?’  Minister replied in a respectful tone. ‘Your majesty, quite possibly you may not have one but many problems, but to all your problems there is only one solution.’

And on hearing this. The king got baffled and hesitantly asked, ‘May I know, what is the solution to my problem?’

The minister replied, ‘your majesty, please don’t worry about the solution, because it is absolutely on the dot and perfect.’ The king tried to guess what the minister had in mind when he said, ‘Well if there is a problem how can I not worry?’

Minister bowed respectfully and asked, ‘your majesty, till date has your worry solved any of your problems? ‘No,’ replied the king. “Well if that is so then why worry?’ Mystery of success doesn’t lie in worries, but removal of worries. And, it is also true that your worries lead you to your grave. The joy of life is in rejoicing and not in worrying. Your majesty, you are so knowledgeable. With your wisdom you lead us. So then why don’t you set up a more vivacious example of yourself in front of us?

The king then realized his stupidity and ignorance. He also realized how in a subtle manner his minister and his well wishers taught him this simple fact of life. He started laughing, and was rather astonished, when everyone else too, started laughing with him.

This is an ancient story. That tells us, worrying is not the solution to our problem. On the contrary it makes us weak and creates barriers on our way to success. To win over your worry means you have already won fifty percent of the battle.

The above mentioned story stresses the importance of living in the present and not continually fretting over how our future is going to be. Same goes for our financial investing as well. If we keep on brooding over things over which perhaps we have no control, like market up and downs we are sure to do nothing else but make our lives miserable. No it is not suggesting that we should leave our investments unprotected or leave our investments without any substantial planning. We should definitely secure our investments through ReBalancing our assets from time to time. And who would be the best person to do it other than your Volatility Coach? Your Volatility Coach knows best on how to secure your assets through perfect ReBalancing and leaves you free to concentrate on your present and enjoy your contemporary life to the fullest.