Personal Finance awareness is spreading rapidly across India which is a good thing. But there are still some Challenges faced by investors which you can tackle after reading this E-book. Download Full Free E-Book to Learn More.

1. BY- IMPERIAL MONEY
CHALLENGES
CHALLENGES
FACED
FACED
BY
BY
POTENTIAL
POTENTIAL
INVESTORS
INVESTORS
Best ways to save money & how to
spend it wisely.

2. Does the stock Market mean
betting?
How do people make money in a
small time?
Do mutual funds involve lots of
Risks?
I don’t really understand the
stock market very well?
1.
2.
3.
4.
CHALLENGES FACED
CHALLENGES FACED
BY INVESTORS
BY INVESTORS
DOES ANYBODY
DOES ANYBODY
WHO IS A FIRST-
WHO IS A FIRST-
TIME INVESTOR
TIME INVESTOR
ALWAYS HAVE A
ALWAYS HAVE A
FEW QUESTIONS IN
FEW QUESTIONS IN
THEIR MIND?
THEIR MIND?

3. Likewise, there are so many other
typical challenges faced by potential
investors in the stock market.
So, this entire E-Book is all about basic
concepts and how to read the real facts
of the stock market and other
investment products which need to
address your personal life’s well-
balanced growth and unknown risk.
In our view, capital market and investing
are all about seeing the unseen, knowing
the unknown, trying the untried, and
achieving the unachieved. However only
to address this issue is to make sure how
you change the way you look at your life
and objectives.

4. WHAT MISTAKES DO
WHAT MISTAKES DO
PEOPLE MAKE
PEOPLE MAKE
WHILE INVESTING?
WHILE INVESTING?
The 1st biggest risk and mistake
people make is that they never ask the
question of what exactly they are
buying when every single penny you
spend. Are you buying liabilities or are
you buying assets for the future or for
the next couple of days or for the next
couple of months or years?
Normally people start their first job
and onwards they start buying so
many things which actually aren’t
required also within a few weeks. It’s
just social pressure and unsaid status
to waste the money.

5. If someone has started the job at 23
then in the first 15 years what he or
she is used to doing is buying the
liabilities and up to 40s they use to
pay the EMI of loans. Without even
calculating the kind of interest they
give it to the lender, and then another
20 years they spend to build the
assets and this is how people live the
life up to 60 years and then retire.

6. Imperial Money feels this must be the
other way round. In the first 15 years
of your job first, build all the assets,
and then later part you will be having
time to enjoy those assets for another
40 years.
Now once you decide that you want to
build the assets, at this very
important moment you need the guide
who will make sure that you will land
up at the proper goal. At the same
time, the entire journey of building
the asset for your all-future goals
would be smooth, safe, secure, and
enjoyable.

7. So, find one good person who has deep
knowledge of personal finance or who
has been working in this industry for
quite a while.
But the fact is! Most of the time we land
up with product selling people who don’t
even have that wisdom of investing. This
is another big risk if you are not with the
right, proper, knowledgeable person to
reach your destination of life.

8. Make sure you invest wisely around 30% of
your income in the properly aligned
products else you may not achieve the
required asset-building program. The
remaining 70% of your earnings you can
spend on all your requirements. Make sure
on a yearly basis whatever the increments
which you get that as well should also go
the proper discipline way into the asset-
building journey.
HOW TO MANAGE
HOW TO MANAGE
YOUR MONTHLY
YOUR MONTHLY
SALARY?
SALARY?

9. Whatever the portfolio you have quarterly
basis it needs to get an overview and look
into the asset allocation based on the value
approach of that very time. Do get an
understanding of compounding and rupee
cost averaging well. Because 1% plus or
minus will lead to 50 lakhs to a crore
positive or negative in long run.
Get to know the proper asset classes and
long-term average returns of those asset
classes well. The concept of real return
must get known well. Because inflation is
our Enemy and you agree or disagree it will
eat the pie of your earnings. So, make sure
that every asset class in which you are
investing should offer you real returns by
excluding the rate of inflation from it.

10. Volatility is one very important issue that
may keep you away from making money
and building assets, but friends make
volatility a friend of yours. Just take an
example of an ECG graph, if it is up and
down on every second’s interval it means
the person is alive, and if it is flat means
the person is dead.
Now connect this with the market. If the
graph of the market is going up and down it
means it is life and it is flat means it is
dead. So the graph of the market is always
volatile, which means it is life, and you need
to decide if you want to be with the dead
asset class or the live asset class.
From 2002 till 2022 (20 years) out of all the
stocks 209 stocks gave 25% plus CAGR
means the wealth has been 87 times.

11. Now, look at the performance of the mutual
funds too. Worst funds gave returns of 12.88%
meaning 11 times. Average equity funds
perform with 19.45% means 35 times the
growth of every single rupee. Best equity funds
26.09% means 310 times. (To know how the
returns are calculated you can check out SIP
Calculator or step up calculator)
So when a reliable person means your fund
manager is managing the show with just barely
a small expense ratio delivered by AMC, We
don’t understand why investors still don’t trust
and believe in the philosophy of mutual funds

12. So always cross-verify across cat
So always cross-verify across categories and do the
egories and do the
comparative analysis on the basis of asset classes that
comparative analysis on the basis of asset classes that
which asset class is safe, secure, liquid, and long-term
which asset class is safe, secure, liquid, and long-term
growth-oriented for your investing vision.
growth-oriented for your investing vision.
Imperial Money Pvt. Ltd.
Imperial Money Pvt. Ltd. believes India is still the long-
believes India is still the long-
term bet of another 2 trillion Dollar economy to touch
term bet of another 2 trillion Dollar economy to touch
and if this happens then we feel Nifty or the Sensex will
and if this happens then we feel Nifty or the Sensex will
be at altogether different levels from here on-words.
be at altogether different levels from here on-words.
If you are not in the asset class which has a proven
If you are not in the asset class which has a proven
track record and has made millions of lives wealthy, We
track record and has made millions of lives wealthy, We
feel this will be the biggest risk of this life.
feel this will be the biggest risk of this life.

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Imperial Money Pvt. Ltd.
Investment Sahi... Future Sahi...
www.imperialfin.com
wecare@imperialfin.com
+91 95 95 88 99 88
IMPERIAL MONEY