A Letter to my wife.. The Dream of my Life..!!

A letter to my love, my friend, my wife and my partner – Nitu…

 

I know it's the day before our 1^st Anniversary - some things can't wait just for a day.

12 Months - that's how long we've been with one another. 12 months feels like a lifetime - so much has changed - our lives altered in subtle - and not so subtle ways by the gentle currents of each other. In the time I've known you, we have both changed for the better - we compliment and act as one another's confidant, friend, partner and lovers.

We've also been through our times of trial - little things like misunderstanding at home - and much bigger things from your health, to finances, to not knowing what we were doing or where we were going?? We both know that this past year has been probably the one most challenging one filled with trials and tribulations.

Despite the trials - we have made each other stronger. You have changed who I am in such fundamental and subtle ways, that I attribute much of who I am now, to you. You have made me happier, stronger, and more empathetic. You have also given me the cherished gift of your love, your tears and support in all these days.

You have given me more than just your love, you gave me our first son ‘’Ansh’’ - who might as well be a tiny clone of myself, who despite my willfulness and strong personality makes my heart jump each time I hear his laugh, each time I hug him.

“Ansh’’ is almost 2 month old! All parents gush about how smart their children are - but we both know there's something special and unique about him. I cannot verbalize or put to words my thanks to you for him. He's a gift you've given to me.

Times change - people change. We have times when we just don't know what will come, and times when we wish what had come had not. We have persevered over the hard times we've faced until now, and those hard times we face now, we face together, as one.. I must admit that I could not be able to give you enough time in all these days.. but it is only due to my job and work.. Hope you will understand..

You, and your gift - our son, have given me more than a reason to just keep working, just to keep moving from day to day. You've given me a reason to truly live, to truly push myself beyond anything I could have imagined years ago. You've given me a place and arms to cry in, to laugh in, and to grow in. You've given me a view of life, of living, of loving I never dreamed of having.

I am also sorry that I cannot always give to you all the things you so richly deserve - I'd give you anything, I'd buy you anything if I could. I am sorry I don't have anything I can give you today other than my words..!

So, my gift to you is this - my expression of how much I truly value you, cherish you and how grateful I am - in spite of all the hard times - the good times, the memories, our Son and most importantly our love.

Thank you for being who you are.

Thank you for being with me.

Thank you for loving me.

 Amaresh

All about SIP (Systematic Investment Plan)

What is a Systematic Investment Plan?

Systematic Investment Plan or SIP is a smart and hassle free mode for investing money in mutual funds. SIP allows you to invest a certain pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). A SIP is a planned approach towards investments and helps you inculcate the habit of saving and building wealth for the future.

How does it work?

A SIP is a flexible and easy investment plan. Your money is auto-debited from your bank account and invested into a specific mutual fund scheme. You are allocated certain number of units based on the ongoing market rate (called NAV or net asset value) for the day.

Every time you invest money, additional units of the scheme are purchased at the market rate and added to your account. Hence, units are bought at different rates and investors benefit from Rupee-Cost Averaging and the Power of Compounding.

Rupee-Cost Averaging

With volatile markets, most investors remain skeptical about the best time to invest and try to 'time' their entry into the market. Rupee-cost averaging allows you to opt out of the guessing game. Since you are a regular investor, your money fetches more units when the price is low and lesser when the price is high. During volatile period, it may allow you to achieve a lower average cost per unit.

Power of Compounding

Albert Einstein once said, "Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it." The rule for compounding is simple - the sooner you start investing, the more time your money has to grow.

Example

If you started investing Rs. 10000 a month on your 40th birthday, in 20 years’ time you would have put aside Rs. 24 lakhs. If that investment grew by an average of 7% a year, it would be worth Rs. 52.4 lakhs when you reach 60.

However, if you started investing 10 years earlier, your Rs. 10000 each month would add up to Rs. 36 lakh over 30 years. Assuming the same average annual growth of 7%, you would have Rs. 1.22 Cr on your 60th birthday - more than double the amount you would have received if you had started ten years later!

Other Benefits of Systematic Investment Plans

Disciplined Saving - Discipline is the key to successful investments. When you invest through SIP, you commit yourself to save regularly. Every investment is a step towards attaining your financial objectives.

Flexibility - While it is advisable to continue SIP investments with a long-term perspective, there is no compulsion. Investors can discontinue the plan at any time. One can also increase/ decrease the amount being invested.

Long-Term Gains - Due to rupee-cost averaging and the power of compounding SIPs have the potential to deliver attractive returns over a long investment horizon.

Convenience - SIP is a hassle-free mode of investment. You can issue a standing instruction to your bank to facilitate auto-debits from your bank account.

SIPs have proved to be an ideal mode of investment for retail investors who do not have the resources to pursue active investments.

Please contact to learn more about Systematic Investment Plans and to start saving today!