Proud to present you the 35th issue of Inscriptions, our house Magazine. This issue contains valuable inputs. How to cope with stressful situations and recover soon an article by Mr R Gopinath, Sensex60k an article by Mr R Gopinath, that addresses the dilemma of investors. Mr D Balu contributes an article Asset Allocation and also the Hula Hooper Ms Ramya sharing her achievement

1. A MAGAZINE FROM THE GOPAST CENTRE FOR LEARNING
Inscriptions 35
TRUTH STAYS FOREVER
October 2021

2. PAGE INDEX
Page CHAPTER Topic By
3 SCULPTOR SCULPTS
Cope Up Skill
“That one skill that makes
humans Omnipotent”
MR R.GOPINATH
13 GURUS SPEAK
SENSEX 60K
SHOULD I STAY INVESTED?
MR R.GOPINATH
26 CATERPILLAR SPACE ASSET ALLOCATION MR D BALU
29 WE ARE PROUD OF
MS R RAMYA
HULA HOOP RECORD
31 GALLERY
SCREEN SHOTS OF THE
SESSIONS IN PROGRESS

3. SCULPTOR INSCRIBES
R.GOPINATH

4. Coping up Skill
“That one skill that makes humans Omnipotent”
Part 1 of the total 4 parts
R.Gopinath
gopinathr@go-past.com
Some people su
ff
er more from a painful incident (Loss),
than others who face similar situation. Why does this
happen? It is quite logical to assume that if the extent of the
loss is the same, its impact on the emotions of di
ff
erent
people should be the same. But in reality it is quite di
ff
erent.
Some people are pushed into a state of grief for years,
while some get out of it in few months. It is not just about
the period of grief, it is also about the intensity of the pain
they undergo (feel). Some people cope up well with tough
situations, while some don’t.

5. This triggers some questions in our mind that,
Is this pain self in
fl
icted?
can we control its intensity?
Should we have to just wait for the time to heal the wound?
Does it happen to us, or are we causing it to happen?
“We can reduce the span of su
ff
ering (of a loss) by
feeling con
fi
dent. We extend it, by feeling meek. By
practice we can accomplish gaining con
fi
dence ad lib.”-
rg
In this article I will be using the word Loss to represent
anything that caused (or can cause) pain. It could be a
broken relationship, Financial Loss or an Accident that
caused physical rehabilitation, or a severe insult, or
anything like that…
Such incidents that cause pain, keep happening, whether
we want it or not.
1) Can we cope up with the pain that it may create in us?
Yes.
2) Is it a skill that one can get trained in? Yes.
3) Can we also teach such skills to others who are our near
and dear ones? Yes.
4) What should we do to learn it? Yes.
Do you think by mistake I typed the answer as Yes for the
above questions? Many might feel it that way. It was a
mistake for sure, but it was committed purposely to show

6. that if you keep answering a few questions consecutively as
“Yes”, you create a temporary habit of saying Yes, without
even thinking.
That means by repeating something often you trigger an
autopilot mechanism inside you. So for you to master this
skill of “Coping up” also, you need to practice all that that
will be discussed in this article many times that it also
becomes an autopilot response for you.
If people who have su
ff
ered severe spine injuries and have
fought their way back to start walking and working, what is
not possible to be achieved? They have recovered from
traumatic experiences that might have lasted for years, and
they have regained their lives. Whereas we have seen
people with issues much less severe than these, give up,
loose hopes and get depressed. This only indicates that it is
not the Loss that is destructive, it is the way these people
deal with that, that becomes either constructive or
destructive.
How do people de
fi
ne their state of mind, when they are in
an unwanted situation?
I Feel Bad,
I Feel down,
I Feel dull,
I Feel bad,
I Feel depressed,
I Feel helpless,
I Feel lonely,
I Feel sad,
I Feel insulted,

7. Consider the following starred statements:
★We can reduce the span of su
ff
ering (of a loss) by feeling
con
fi
dent. We extend it, by feeling meek. By practice we
can accomplish gaining con
fi
dence ad lib.-rg
★So feeling con
fi
dent reduces the span of su
ff
ering. While
feeling meek or inferior extends the su
ff
ering.
★Self pity magni
fi
es the misfortune, while self con
fi
dence
tames it.
★How I feel about myself leads to how I treat myself.
What causes feelings? Thoughts cause the feelings. It is
one’s thoughts that manifest as feelings inside him.
“I think I may not get this job” = Feeling anxious
“I think I have a good chance of getting this job” = Feeling
con
fi
dent.
“I think they may not like my appearance” = Feeling inferior
“I think they will be happy seeing me”= Feeling good.
So if we alter our thoughts, we can alter our feelings.
How do we produce thoughts?
For the purpose of this article I am going to divide thoughts
into two groups: 1) Supportive thoughts and 2) Negative
thoughts.

8. Supportive thoughts are such that trigger feelings of
happiness, con
fi
dence, power, abundance and courage.
Negative thoughts are such that trigger, sadness,
meekness, helplessness, weakness, scarcity and fear.
Please see this picture:
This explains the 3 major sources of thoughts, which
become the source of our feelings:

9. The
fi
rst aspect that we will be covering in this article is
1) Information received from the environment.
We all have a brain that receives information from the outer
world, process it and produce thoughts.
Examples:
Doctor says, “Don’t worry, The surgery is over, and he will
recover soon” This is an information, this triggers
supportive thoughts.
Newspaper: “There has a been a scam in the local bank
and depositors loose millions overnight” triggers negative
thoughts.
A colleague, “You look great today” triggers supportive
thoughts.
A TV serial, “ a break in the relationship between the hero
boy friend and the heroine girl friend” triggers negative
thoughts.
Mother to her daughter, “I know you, you will give your best
performance today at the singing competition” triggers
supportive thoughts.
Master yelling at the students, “Your IQ levels are the
lowest, it is my bad luck that I have to waste my time on
you” triggers negative thoughts.

10. These examples leads us to one point that we must strive
to create an environment that will keep giving us
information that will trigger supportive thoughts. So create
a Master Mind group to support you. It could be your
parents, siblings, colleagues, teachers or friends. This is
very important to help you cope up with stressful situations.
Internet and the media have made it possible to create
such master mind groups across di
ff
erent geographies and
timezones. Evidences point out that people who enjoy such
mastermind company get relieved of su
ff
erings much
sooner than the ones who have not got one such group.
But to take support of this MM you will have to keep
venting your feelings and seek support. There is nothing
wrong in seeking help to relieve stress. These people need
not be medically quali
fi
ed people, all that they should be is
that they truly care for you and are mentally strong
themselves.
I will share with you an incident to prove this point, that the
MM group participants need not be highly quali
fi
ed people,
all that is required is that they truly care for you and they are
mentally strong. I have been associated with a hospital for
more than a decade with the responsibility of training their
doctors, counsellors, nurses and support team in e
ff
ective
counselling skills, self motivation and mind management
skills. This hospital specialises in fertility support. The
issues of infertility can be divided into two major causes. 1)
The Physical factors like the Fallopian tube blocks, semen
counts etc and 2) The emotional factors like anxiety, self
denial, hardened negative beliefs etc.

11. Once a well educated couple were availing assistance from
this hospital. The husband is holding multiple degrees in
engineering and management and is employed in a senior
position. The wife is also well quali
fi
ed, graduate in
technology and few other certi
fi
cate courses as well also
employed in senior management cadre. Her parents were
living in a small village a few 100 kms from Hyderabad
where this couple live. Her mother is not so educated and
she is a school dropout. This couple have been to various
other hospitals in the past 4 years availing advice and
medicines but did not get the desired result
The physical factors were minor issues and they are being
addressed clinically. The doctors of this hospital found a
pattern which they thought could be causing the delay in
conception. She used to become hyper anxious every
month as the days of her periods were nearing. She will do
less interaction with others in the o
ffi
ce and house, and
even the few interactions will be sharp. She will sleep a lot
and even avail leave from work. Her husband was very
understanding but was too busy with his work.
The doctor called her mother from the village and spoke to
her. They agreed that the mother will shift to Hyderabad to
stay with her daughter for a few months and will keep
assuring her that things are going to be ok soon. She is to
talk about how to take care of the baby and what small
inconveniences will have to be undergone till the baby
becomes 2 years old. They also started a habit of reciting
together, Vishnu Sahasranamam (1000 holy names of Lord
Vishnu) in the evening. This went on for two months and the
happy thing happened. As they wanted she conceived.

12. During this period the nurses of this hospital were also
involved in frequent interaction with this lady through video
conferencing.
Since then the mother stayed with her to help her daughter
have a normal delivery of a healthy child. This was also a
thing to be reckoned because the physical factors like the
pelvic structure strongly indicated from the beginning a
need for a Caesarian section.
This is the power of Master Mind group.
In the coming issue I will be dealing with the Guilt feeling on
some past incidents that makes it di
ffi
cult for a person to
cope up with stressful events and he keeps in
fl
icting on
himself more pain often dragging himself into a state of
extreme self pity.
Till we meet next time to discuss a very common problem
“Guilt Feeling” of some incident that we caused in the past
and it tormenting us even after a long time, please create
your Master Mind group to help you create “Supportive
Thoughts”.

13.
GURUS SPEAK
R.GOPINATH

14. Sensex60K
R.GOPINATH
gopinathr@go-past.com
The day sensex crossed 60000 points (Nifty 17850), I got
calls from investors, advisors and brokers asking what they
should do now or advice their clients? Should they ask
them to book pro
fi
ts? Should they invest at this level?
This is not the
fi
rst time I receive such queries. I often get to
hear this. Mostly when there is a steep rise or when there is
steep fall.
Should I book pro
fi
ts?
Should I enter (top up) at this level?
This situation is called a dilemma. When there are two
opposite choices and both appear to be right (or both
wrong) it puts us into a dilemma. Whenever we are in a
dilemma we must get back to our principles. Principles will
guide us correctly. Principles are constant. They are valid in
all geographies. They work all times.
Before reiterating the principles here, let me tell you it is
very di
ffi
cult to answer the above questions with a “Yes” or
“No” answer.

15. Let me show the
fl
ow chart of the answers and its e
ff
ects:
Q: Sensex at 60K: Should I book pro
fi
ts now and take
cash?
Suppose I answer: Yes.
They sell their stocks now and book good pro
fi
ts.
The markets undergo correction and sensex starts moving
down, then these people will be happy that they did the
right thing in booking pro
fi
ts and if the marketers tank (big
fall) over the weekend then they will be very happy, pat

16. themselves on their back and slight pat on my back for
advising them.
But if they had enchased as I had said, and then the market
continued its rise and goes up even by 1000 points in the
next fortnight, these people will be unhappy that they
encashed (even after getting good pro
fi
ts) and mentally
calculate their loses and feel bad that they did not hold on
for some more time.
Suppose I had answered: No don’t encash now, hold on.
If the markets continue rising, they will feel glad that they
did not sell their stocks, but still stay apprehensive that
anytime markets can undergo correction, so better quit
now.
On the other hand if the markets turned red, and corrected
by just 1000 points in the next fortnight these people will be
unhappy that if they had encashed at 60K they would have
got better pro
fi
ts, even though they are still with handsome
pro
fi
ts (notionally)
Why is that even after making decent pro
fi
ts, they are still
unhappy?
Ok what is the correct answer?
Should investors sell the equity in their portfolio now?
Should they further invest now?

18. Let us look at the basics. Please see this picture This is
called Cash to Cash cycle:
This picture shows that a person works hard makes money
and converts it into assets. In future when he requires
money for various needs converts assets into cash. It was
cash in the beginning and became cash in the end. This
picture demonstrates two important points. 1) Cash is the
king and 2) Assets are intermediary. An intermediary is
required to help reach from one place to another place.

19. So before selecting any asset, we must ask 3 questions,
listen to the answers and then select the asset accordingly:
1) When, When and When we will require money,
2) How much money we will require and
3) For what purpose will we require money. Accordingly
we must select assets that will help us reach those
goals.
The Science of creating wealth is more depended on (one’s)
psychology and less on numbers and mathematical
formulas.
Please consider these highlighted statements:
Begin with the end in the mind.
Plan your exit (from this asset) at the entry point itself.
If this was done before selecting the asset (Equity) one will
not be in a dilemma with Sensex60K.
Money is not a need. Money is needed to serve a
purpose. If one is chasing money, he will never be
satis
fi
ed, for every time he makes money he will feel it
inadequate.
If the same person is pursuing a goal and estimates the
money needed to ful
fi
l it, and
fi
nds way to make that
money, he will enjoy making that money.

20. Investors Feel Much More Pain When They Lose $1 Than They Feel
Pleasure When They Gain $1.
• Most Of Us Are Actually Willing To Take More Risk To Avoid A Loss
Than We Are Willing To Take To Achieve A Gain.
• Dr Meir Statman Of Santa Clara University Calls “Fear Of Regret”
Many Investors Buy A Stock And Then If It Goes Down, Refuse To
Sell It, Even If They Can See That It May Decline Further. Not Just
The Novices, But This Feeling Is More Predominant In Fund
Managers. They Buy What Most Of Other Managers Buy.
PROSPECT THEORY
FORMULATED IN 1979 AND FURTHER DEVELOPED IN
1992 BY AMOS TVERSKY AND DANIEL KAHNEMAN,

21. • The Theory Continues With A Second Concept, Based On The
Observation That People Attribute Excessive Weight To Events
With Low Probabilities And Insu
ffi
cient Weight To Events With High
Probability.
Look At The Picture “Emotional Roller Coaster”

22. Due to this emotional roller coaster they often buy high and
sell low. There are very few exceptions to this. Even
investors highly educated, experienced and con
fi
dent let
themselves under go this roller coaster. The following chart
will substantiate this:
This is a chart of Net Resources Mobilised by Mutual Funds
in India.

23. This chart is made up by merging two charts of the same
period. The sensex and the net resources mobilised by
Mutual funds in India. (Source: RBI, Hand book on
Economy). You will see from this chart how investors move
out and in according to the rise and fall of the markets. You
will also observe from the above chart that most of the
times the mass movement to redeem their units (Out
fl
ow) is
when the market is at low levels and the fresh investments
(In
fl
ow) is when the markets are moving Northward.
So back to our questions Should I cash now? or should I
enter now?. During this dilemma I will ask you go back to
principles and you will
fi
nd the dilemma, solved.
Let me reiterate the 8 basic principles, about which we
have been seeing in “Inscriptions” in detail one by one:
8 Governing principles:
1) If a person adopts the formula “Income - Expenses =
Savings” then he can never become wealthy.The correct
formula is “Income - Savings = Expenses.
2) Regularity is the key to wealth. (The key to wealth is not
the ROI, IRR, CAGR etc)
3) Start early and reach safely.
4) Gold and greed can never stay together.
5) Purpose must decide the choice.
6) Financial Pyramid
7) Draw the map before you start the journey.
8) Professional support helps.

24. Please pay special attention to the 3 of the above,
underlined and highlighted. They are directly relevant to this
article, about sensex60k.
Let me conclude this article by answering the two
questions:
1) Should I book pro
fi
ts, encash my equities?
My Answer is:
You can decide to do so based on two aspects:
a) How far is your goal (need for money for a speci
fi
c
purpose)? Suppose there is only 3 more years to go,
then you better safeguard your pro
fi
ts and move the
money towards safer investment avenues. Suppose
there is 5 more years to reach, then you can gradually
move out of equity towards debts averaging the cost
month after month. For example the goal was to fund
for daughter’s graduation in a world class University.
She has just entered her SSC. That leaves you with 3
years to get the money ready.
b) Have you achieved your target amount for the goal? If
you have achieved it, then irrespective of how much of
a long time you still have, get out of equity and
safeguard the amount in risk free growth instruments.
For example it was estimated using Expenses provision
method that you will require a corpus of 3,00,00,000 for
buying an annuity policy to support your retired life, and
in this bull run your portfolio has touched this 3Crore
level.

25. For a person who entered the market at 40000 levels 60000
may appear a great movement. But for the person who
enters at 60,000, even 65,000 may not be good growth. So
don’t let yourself awed by the
fi
gure 60,000, it is just
another station in the journey of Sensex.
2) Should I enter the equity market now? They say it is
overheated. Std dev is the highest in the history?
My answer is:
Draw a map of life. Mark all major junctions that require big
money. Classify the goals as “Not negotiable goals and
Nice to have goals”. To fund the Not negotiable goals at the
minimum level, never take the equity route. Take the Risk
free growth route. To fund the Reasonable level goals you
can go in for equity investments and so also for the
aspirational levels. But before doing that please watch your
fi
nancial pyramid. If you have adequate assets in Risk Free
growth, then venture into equities.
Try to structure portfolios individually for each of the major
goals in life, under a common
fi
nancial plan for the life. Take
good professional help. Keep reviewing this once in 6
months, irrespective of the market movements.
Follow the principles and escape the Dilemma

26.
CATERPILLAR SPACE
Mr D BALU

27. ASSET ALLOCATION
D.BALU (TIRUPPUR)
anytimebalu@gmail.com
GOPAST STUDENT.
There are different types of assets available in financial planning. Most popular financial assets are GOLD,
REAL ESTATE, MUTUAL FUNDS(EQUITY/DEBT), LIFE INSRUANCE PRODUCTS, POSTOFFICE
SAVINGS SCHEMES, BANK DEPOSIT SCHEMES, CHIT FUNDS.
People have their own rights to choose one or more financial assets to achieve their financial goals. Most of the
time one financial plan is not enough to meet their goals. Why because, in general, financial goals are mix of
short term, mid term and long term. Obviously, none of the asset allocation is best or worst in all times. So, we
need mix of two or more financial products.
For example, if you are expecting more returns, that asset is either market risk or credit risk. If you are
expecting safety to your investment, the yield outcome from that investment is low or less in liquidity. If you are
expecting liquidity the yield outcome of the investment is low.
Many of us are not much aware of the facts of different type of assets, because of the complex nature of the
product. Hence, they try to avoid that particular asset class. But one should know how much he/she has to
invest in a particular kind of asset. If you are not aware much about that asset class you can. get the help from
the experts who are in the field for more than a decade.
Why it’s required? Otherwise, people stick on to one asset class which they have experienced in their past.
Finally, they lost to reach their financial goals as per their wish. For example, somebody may have the good
experience in Real estate sale in their past, they feel that real estate is the best asset class to create long term
wealth creation, some body who experienced with equity market for longer period says that share market is the
best asset class to create long term wealth creation.
Somebody believes that Post office or bank deposits are safer in capital, even the rate of returns are low and less
tax efficiency. People also believe that insurance is the best asset class because it’s the only instrument create
asset first and then save money at the reasonable interest rate and tax exemption either in saving time and
maturity time. I too recommend the insurance products and strongly believe that “you can’t get all solution with
your insurance product, similarly you can’t give any solution without insurance”
Of course, all their opinions are correct. My recommendation is, please consider the mix of asset allocation in
your goal planning and also check the asset class at least once in year and then do the necessary step to
streamline the asset class to reach the goal.
Ok, how do we mix the asset class? Is there any formula for that? My answer is BIG NO. It is differed from
person to person, need to need, time to time. etc., You can use the thumb rules. Example consider your age say
30 years, then you want to deal with share market for your retirement corpus you can invest 30% in debt market
and 70% in equity market.
If you are planning for your children higher education at the age of 17. You need money at that time without fail.
So, you can’t say any excuse like market correction or not favors to withdraw etc., because you can’t get
admission to your child in the next year and your child is not like that idea too. For this need, you have to
choose the conventional products like endowment type of policy.
Always use the fundamentals of financial pyramids like to give priorities to “PROTECTION” first, for that you
have to choose only Insurance products like Life insurance term policy, Health insurance, Critical insurance
cover, Accident insurance.
Secondly, give your priorities to your “DUTIES AND RESPONSIBILITY” which you need to invest regularly
and the money is needed to accomplish your future responsibility either you survive or not,

28. here you have to choose Insurance endowment type policy. (Death or maturity) it helps you to meet the goals at
the stipulated time.
After that, you can consider any other product which gives good growth with risk.
You can choose gold to meet your daughter marriage by way of purchasing gold regularly in smaller quantity,
which is the best example for rupee cost averaging. Now, Government announced Sovereign gold bond is the
one of the best asset allocators to those having a female child under the age group of 0 to 5 years. The scheme
benefit is you can get 2.5% interest per annum for the idle gold value and the maturity after eight years attracts
Tax free return. You can also satisfy the younger generation to choose the gold as per the latest trend. In addition
to that if you invest in Government Sovereign Gold bond or any other paper gold, you need not worry about the
theft or you need not spend money for locker to preserve that gold ornament.
Real estate is also a good investment if you are planning to build a house in near future. But if you believe that
you will earn good returns over a long term, may or may not be realistic. You must be aware of the land
litigation and the tittle issues.
Mutual fund is most important asset class to those who are expecting little bit more returns and plan for their
retirement in their early age. Because we are living in the fixed interest rates are declining era. I recommend to
my customer should invest in mutual fund through Systematic Investment Plan (SIP) and also advise them to
withdraw money under Systematic Withdrawal (SWP) which helps the investor not to lose their money in
Market correction. It also helps my customer to create wealth after beating the Inflation.
However, by and large people who says that they want to take risk in mutual funds. In their dictionary taking
risk means getting higher profit not getting higher loss. So, that they are unable to withstand in share market
bubbles cracking time.
I also conduct Investor awareness program and try to educate them how the ALPHA, BETA, STANDARD
DEVIATIONS, SHARP RATIO variations are affect share market equity products, and what to do, if it’s
happened. One should also understand YTM, MODIFIED DURATION, MECALY DURATION, CREDIT
RISK in debt market.
I never recommend my customer to choose the local CHIT Funds or un registered Chit companies running
nearby their house, even though it yields high returns or the organizer of the chit group is well known to them or
they may be of their close friend or relatives, because it is not registered in the Chit Registration Act. I educate
them the practical problem in dealing with local chits. Mainly you can’t claim your money from the un
registered chit companies.
I summarize my above points in the following simple way.
1. Set your goal with specific time frame and then choose the right asset class which helps to reach the
goal.
2. Invest regularly according to the portion you allocated to the specific asset.
3. Monitor the fund’s performance in frequent intervals with the help of experts in that field, according to
the fund performance take necessary step to correct it and make sure that asset class in right track.
4. Last but not least, act yourself according to the system not based on your wish or emotions.
If you follow it sincerely, you will achieve your goal without fail.

29.
PROUD TO BE
ASSOCIATED
Ms R Ramya
Record in Hula Hoop rotations

30. Ms. R. Ramya daughter of Mr. K. Ramkumar & Mrs Bavya
Ramkumar. She e is a highly talented student studying in
nineth standard at Boaz Public School Chennai. It is a pride
moment that the most Hula Hoop rotations on the arm is 264
and was achieved by her.

31.
NEWS AND GALLERY
EVENTS AT GOPAST

32.
The Legends Session for Select Agents
The Illustrious Leadership for Dev O
ffi
cers
The Legends Session for Select Agents

33.
Mission COT TOT

34. Crown Yourself for Delhi
Leading from the Front Level #

35. 28th E-Learning Module:
Leveraging Social Media