"Prominent Stock Advisors In India".

1. www.businessshouts.com STOCK ADVISORS IN INDIA Mr.Manish Goyal MD & CEO PROMINENT MULTIBAGGER SECURITIES RESEARCH & ADVISORY Multibagger Securities: Maximising the Wealth of Clients

2. C O N T E N T S Mr. Manish Goyal Managing Director CEO COVER STORY MULTIBAGGER SECURITIES RESEARCH & ADVISORY Mr.Ashok Dhingra Senior Partner Ashok Dhingra associate|Attorneys at law

3. C O N T E N T S Ms.Soniya Gupta Managing Partner Ashok Dhingra associate|Attorneys at law Mr.Narayan Pandit Advocate Mr.Sagar Kothari Advocate INVESTMENT ADVISORY, EXPECTATIONS VS REALITY REVIEWED BLOGS NEXT BIG THING IN STOCK ADVISORY REVIEWED

4. People behind this issue WE ARE Swapna D. Editorial in Chief Arnav Singh Managing Editor AVAILABLE Pranali Sarkar Senior Editor ON Steve D’cruz Project Manager Sophia Smeeth Sales Head Vicky Patil Business Development Executive Sweety Pande Art Director Jennifer Margaret Visualiser Varsha Srivastav Graphic Designer Vivek Shastri Head of Distribution and Productions Jacob M. Head of Operation Kalpana P. Research Analysis 2020-2021 Follow us on: Emial: businessshouts.ofcial@gmail.com www.linkedin.com/company/businessshouts-media-technology/ www.instagram.com/businessshouts_/ www.facebook.com/businessshoutsmedia www.twitter.com/businessshouts_

6. Mr. Manish Goyal Managing Director CEO Mr. Manish Goyal Managing Director CEO

7. Cover Story STOCK ADVISORS IN INDIA PROMINENT MULTIBAGGER SECURITIES Maximising the Wealth of Clients There is a tremendous amount of difference between gambling and investing. Gambling may involve a lot of deceitfulness, cheating, and luck but investing is about utilizing our intelligence to invest our money, time, energy and resources in a calculated way and wisely for more returns in a dignified way. Gambling may inculcate untruth- fulness in us but investing sharpens our intelli- gence with more presence of mind and conscious awareness. Nothing is more dangerous than sincere ignorance and conscientious stupidity. There needs to be a shift in changing the negative mindset people may have towards investing. People need to give up their comfort zone and start seeing investing as a positive business opportunity. Seduction of safety is much more dangerous than the perception of the risk. Playing it too safe is the most dangerous business in the world. We need to be calculated enough in our approach and should prioritize investing in our time, energy, money and resources at an appropriate place and at an appropriate time. We need to take calculated risks to invest smartly for receiving good enough returns.

8. STOCK ADVISORS IN INDIA PROMINENT We should be giving more importance to learning from great investing giants like Warren Buffet and many wise investing advisors. Our brain gets sharpened by being involved in the stock market and investing business. Investing in busi- ness makes us more alert, conscious and calculated in our approach. Stock market intelligence enhanc- es our decision-making process. The guidance of a wise investing advisor helps us to invest our money more appropriately for more benefits. In many parts of India and the world people are still not aware of the stock market business and how investing in it is a positive, legal and advantageous concept. There needs to be a huge conscious awareness of the positivity of the stock market. Multibagger Securities Research & Advisory Pvt Ltd was set up to redefine and rethink equity research and advisory. Manish Goyal, MD & CEO of Multibagger Securities felt a huge gap between what earlier advisors were offering and what investors really needed. He just started telling the truth about equity investing and it spread like a fire automatically because trust is infectious. High competence and strong character are the essential virtues of a trustworthy person. Mr. Manish is able to spread the truth about equity investing because of his being a highly trustworthy and credible person. He has always demonstrated high competence and strong character in all walks of life. Demonstrating high competence and strong character is the most important attribute to be a successful leader. Educating Investors The most important task and challenge Multibagger Securities faced, in the beginning, was to change the mindset of investors from gambling to investing. The majority of investors were looking towards the stock market as a casino and most of them were engaged in intra-day trading or short-term trading to make quick money. Multibag- ger Securities tried and succeeded in educating investors that stock investing is a science and they should take a stock investing as a business instead of treating it as a gamble. People should learn to see the stock exchange as a scientific business than considering it as luck-based gam- bling. Multibagger Securities is playing the important role of bridging the gap between conven- tional thinking of people and a more educative

9. Bringing Quality in Equity Research clients, Manish is also granted exclusive rights of using the word ‘Multibagger’ by the government of India, which itself is another big achievement. Multibagger Securities Research & Advisory Pvt Ltd was incorporated in Feb 2017 with the aim of bringing quality to the equity research and advisory field. It is a SEBI Registered investment advisor. The only success mantra Mr. Manish gave to his team is that ‘Always try to maximize the wealth of the clients’. He believes that the rest of things will be taken care of by the happiness and success of the clients. The happiness and success of the clients lead to the success of the company and that has always been a priority for Multibagger Securities Research & Advisory Pvt Ltd. The most important achievement Manish thinks he got is making wealth for his friends and clients. Mr. Manish is well aware that if he lets his clients succeed then the company’s success is sure to follow. Therefore Mr. Manish prioritises the happiness and success of clients of Multibagger Securities. In addition to making wealth for his friends and Manish thinks he got is making wealth for his friends and clients. Mr. Manish is well aware that if he lets his clients succeed then the company’s success is sure to follow. Therefore Mr. Manish prioritises the happiness and success of clients of Multibagger Securities. In addition to making wealth for his friends and clients, Manish is also granted exclusive rights of using the word ‘Multibagger’ by the government of India, which itself is another big achievement. Embracing Integrity and Team Spirit Seeing Failures as Learning Experiences Bringing Quality in Equity Research Manish thinks that having integrity, long-term vision and being a team player are the most important characteristics leaders should possess. Integrity means to be consistent in words, thoughts, actions and deeds. To live by sacred ideals is integrity. Integrity means to be free from duplicity. Integrity means to live by our words and it means alignment or harmony between our words and actions. Morality is the foundation of victory. Integrity includes and transcends honesty. Having long term vision is important in the invest- ing business as it helps to not be over-joyed or over depressed by the inevitable successes and failures that come along the way. Together every- one achieves more, therefore, being a good team player always helps a lot. turning obstacles into opportunities. Failures should be considered as a learning experience and we should avoid repeating the mistakes again and again. We should learn from our mistakes as well as from the mistakes of others also. Stock investing business also teaches us not to be complacent and be calculated in our approach. Manish follows in the footsteps of a famous saying. “We never lose; We either win or learn.” So he kept on learning from the inevitable initial mistakes at the beginning of his career. Whatever failures, challenges, or obstacles that come in the way of success should be seen as a wonderful learning experience. Those failures made him more alert and conscious instead of making him under-confdent or a person with an inferiority complex or low self-esteem. Whatever inevitable challenges or failures that may come in our life we should consider them as a stepping stone towards success. We should develop the spirit of Multibagger Securities Research & Advisory Pvt Ltd was incorporated in Feb 2017 with the aim of bringing quality to the equity research and advisory field. It is a SEBI Registered investment advisor. The only success mantra Mr. Manish gave to his team is that ‘Always try to maximize the wealth of the clients’. He believes that the rest of things will be taken care of by the happiness and success of the clients. The happiness and success of the clients lead to the success of the company and that has always been a priority for Multibagger Securities Research & Advisory Pvt Ltd. The most important achievement STOCK ADVISORS IN INDIA PROMINENT

10. Long Term Investing Vision Mr. Manish is always impressed by the long term investing vision of Warren Bufet. Manish considers that long Term investing in underval- ued quality fundamentally strong companies gives one a lot of margin of safety. Manish always tried to create the highest returns for clients with minimum possible risks. STOCK ADVISORS IN INDIA PROMINENT Being Vigilant and Calculated Manish thinks constant vigilance in business is a need considering the fact that in the last few years many well-known companies have nose- dived due to corporate governance issues. He considers it is important that investors should be vigilant towards new developments taking place in the company, industry and economy. He considers it is important to be aware of the new trends in the market, society and the economy. Market fuctuations always create diferent scenarios therefore one needs to be more thoughtful and calculated in his or her approach to investing smartly and wisely in the stock investing business. With the wise guidance of the stock investing advisor one can fgure out the wonderful business opportunities stock investing ofers. Manish thinks that he would have been a spiritual leader if he has not been a business leader. Only when the tide goes out, you discover who was swimming naked

13. Ashok is Attorney having more than 44 years of experience. He has unique advantage of working on both sides of table. Ashok has worked for more than 22 years with Indian Customs including Directorate of Revenue Intelligence (DRI); and over 15 years with member firms of Big4 Consulting firms like Arthur Andersen which merged with Ernst & Young in India, KPMG and law firms Khaitan & Co. and J. Sagar Associates (JSA) before setting up Ashok Dhingra Associates (ADA) in 2014 along with Sonia Gupta. Enterprises; classification and rate of Duty under the Customs Tariff and GST; valuation of local supply of goods and services; availability of input tax credit; applicability of exemption notifications; export of services; etc. Ashok advises clients on Export/ Import Policy and Sanctions under Foreign Trade Policy. He has extensive experience and regularly advises clients on Export/ Import Control of restricted goods and technologies and dual-use items under the SCOMET List. He also advises clients on supply chain for sourcing and distribution of goods in a Tax efcient and compliant manner. Ashok advises clients on safety and compliance requirements for movement of hazardous and notifed goods. Ashok has assisted clients in conducting audit and investigations under FCPA, UK Bribery Act and Prevention of Corruption Act, investigations of wrong doing or fraud or ethical violations by man- agement or employees of Multinational Companies. He also assisted clients in options to deal with non-compliances and making self-disclosure to the authorities. He assists clients in taking approval for setting up and exit of units under 100% Export Oriented Scheme, Special Economic Zones and Free Trade Warehousing Zones Scheme. He advises clients in relation to data security, priva- cy, retention, encryption and movement across juris- dictions. He regularly appears before departmental adjudi- cation and appellate authorities; Appellate Tribu- nals; High Courts and Supreme Court in Tax and Trade matters as arguing counsel. Ashok has assisted clients in investigation and adju- dication under Prevention of Money Laundering Act and Black Money (Undisclosed Foreign Income and Assets) and Imposition of Tax Act. He also regularly advises clients in raid or investigations by Tax, Trade and Regulatory authorities like DRI; Director Gener- al Goods and Services Tax Intelligence; Enforce- ment Directorate; and Serious Fraud Investigation Office; undertakes briefing and debriefing of employees and assistance in taking position on key issues of investigations by authorities to close cases. Ashok also assists clients in making application before Settlement Commission for settlement of cases and arguing at the time of hearing. He also assists clients in fling application and arguing at the time hearing before Authority for Advance Ruling seeking ruling on key issues. Ashok assists clients before Director General of Trade Remedies during investigation, mid-term review and sun-set review for levy of Anti-Dump- ing Duty, Safeguard Duty and Countervailing Duty. In case of an adverse order he assists clients in fling appeal before Appellate Tribunal at frst stage and before Supreme Court at second stage. Ashok also advises clients on key issues of exchange controls under Foreign Exchange Management Act and assists in compounding of offences by making an application to Reserve Bank of India and arguing at the time of hearing. He has written several articles on key issues under Tax, Foreign Trade Policy, GST, Ease of Doing Business and regulatory environment in India, which have been well appreciated. Ashok is also a regular speaker in national and international conferences on diverse contemporary issues. He assists clients in Customs and Trade laws; Goods and Service Tax (GST) & erstwhile Indirect Tax Laws including investigation by Special Valua- tion Branch (SVB) of Customs to determine arms’ length price in case of transactions with Associated

14. PROFILE RESPONSE Can you start by giving us an overview of your professional background and how you got here today? Which has been your proudest career achievement till now? 3. How and why was your set up? And how did you expand your company and its offering? Ashok Dhingra Associates (ADA) is a professional services firm offering wide range of services under Goods and Services Tax (GST); erstwhile Indirect Taxes; Customs and Trade including Export Con- trols and Sanctions; and Regulatory Laws. ADA also provides advisory, training and investigation services under Anti-Corruption Laws and White-Collar Crimes to corporates. I have worked for more than 22 years with Indian Customs, during which I worked in various field formations including assessment groups, preven- tive, technical and gained rich hands on experience. During this period I also worked in the Central Board of Indirect Taxes and Customs; Directorate of Revenue Intelligence (DRI) the Customs, Excise and Service Tax Appellate Tribunal (Tribunal) and seen policy, enforcement and litigation dimension of indirect taxes. On moving out of department I worked for over 7 years with member firms of KPMG and Ernst & Young. Thereafter, worked for 9 years with law firms Khaitan & Co. and J. Sagar Associates (JSA) where I was Chair of Tax, Cus- toms and Trade and Co-Chair of White Collar Crimes and Investigation before setting up Ashok Dhingra Associates (ADA) in 2014 along with Sonia Gupta. As far as proudest moment goes, we had won a major case of Anti-dumping Duty appeal for our client before the Tribunal on a very different and new ground, which was held as hopeless from the beginning. It was great team work and I still believe that this was best achievement for the team and proudest moment for me. ADA’s objective is to enhance value for clients by focusing on solutions that are innovative, yet practical that can be implemented. ADA aims to deliver services through highly qualified and trained professionals who blend their expertise with needs of clients and maintain uncompromising focus on highest quality and ethical practice. ADA follows no relative policy to attract best talent. Presently we are consolidation phase post COVID-19 and plan to open 2 more offices in coming years. We don’t want to go full services firm and happy to operate as a specialised boutique firm. 2. According to you, what are the three must-have characteristics in today’s leaders? I believe every true leader must have the following characteristics: • Leading from the front by example • Creating ethical and conducive work environment • Honest conduct STOCK ADVISORS IN INDIA PROMINENT

15. What were the initial hurdles in building your business and how did you overcome them? and open arms. Further, our clients are very helpful and their critical feedback is our biggest learning tools. Since I moved from government to private sector it took me sometime to get my bearings and under- stand work culture. Further, I had raw knowledge of the subjects, which also needed to polished to take commercials out of law. Keen observation and guidance of my seniors shaped my professional acumen. Working with various industry leaders also exposed me to leadership attributes and as they say ‘rest is history’. On setting up ADA, both Sonia Gupta my co-found- er and current Managing Partner, and I focussed to ensure timely delivery of services to clients along with building team. Over the years clients have been moving with us and their confidence in us built ADA. Team work and eye for detail helped us overcome hurdle of being small and we got variety of work from large number of MNCs. What is your role in your organization"? And what is your motivation mantra for the team? As a Senior Partner, I work closely with Sonia our Managing Partner and support her on building the Firm and practices. I always tell my colleagues that money is the func- tion of performance and if you raise your knowledge and performance, money and opportunities will chase you. According to you, what is the most influential factor in your business’ success? Providing business solutions to clients ethically. Thinking of out of box always breeds new ideas and we need to continue to innovate, which is the key to success. 8. If you had not become a business leader/CEO, what else had you dreamt of? I wanted to become doctor but bureaucracy and then legal profession, I had met my destiny and can’t think of anything else. How did you embrace your failure? Did your failure change you in any way? In case of any set-back we used to analyse and learn from such mistakes. Failures are always path to more success and we embraced failure with warm

16. Ms.Sonia Gupta Managing Partner Ashok Dhingra Associates | Attorneys at Law

17. Sonia is Chartered Account and Attorney, primarily focuses on Customs and Trade Laws including Export/ Import Controls and Sanctions; Foreign Trade Policy and Regulatory Laws; Goods and Services Tax and erstwhile indirect taxes, providing both advisory and litigation services to clients. She regularly assists clients on issues such as classi- fication and rate of Duty under Customs Tariff; applicability of exemption notifications; Country of Origin Rules; availability of Drawback on export or re-export of goods and services; investigation by Special Valuation Branch of Customs (SVB) to determine arms’ length price in case of transaction with Associated Enterprises; etc. Sonia advises clients on Export/ Import Policy and Sanctions under Foreign Trade Policy and other regulatory laws like Environment (Protection) Act; Telegraph Act; Legal Metrology Act; Narcotics Drugs and Psychotropic Substances Act; Informa- tion Technology Act; Bureau of Indian Standards; etc. Sonia has done extensive pioneering work on export and import of dual use items, restricted software and technologies and items covered under SCOMET List in compliance to Multilateral Agree- ments and regularly assists client in relation thereto. Sonia regularly assists clients in conducting training on export controls laws of India and drafting ICPs. She is advising clients on issues arising out of inad- vertent export of restricted goods and technologies and investigations by Regulatory authorities to close case causing least disruption to operations. Sonia also advises clients on safety and compliance requirements for movement of hazardous and noti- fied goods. She assists clients on trade remedial measures initi- ated by Director General of Trade Remedies such as investigations for levy of Anti-Dumping Duty, Safe- guard Duty and Countervailing Duty and in case of an adverse order assistance and appearance e before Appellate Tribunal at first stage and Supreme Court at final stage. STOCK ADVISORS IN INDIA PROMINENT

18. Sonia has undergone training in Canada on Goods and Services Tax (GST), which has been introduced in India on July 1, 2017, to understand implementa- tion issues and practical difficulties faced by the industry in compliance thereto. She is advising large number of Multinational clients under GST on issues like transition; nature of supply; classification and rate of Tax; applicability of exemptions notifi- cation; availability of input tax credit, manufacture of goods under Job Work; liability to pay Tax on import of goods and services or under reverse charge on various activities, valuation of goods and services on supply, anti-profiteering measures, etc. Sonia has assisted clients in making various representation to Central Board of Indirect Taxes and Customs and GST Council addressing key issues on anomaly in law, Tax rate inconsistency, business issues, etc. seeking intervention and clarification on various issues. She also advises clients in relation to data security, privacy, retention, encryption and movement across jurisdictions. Sonia also advises clients on key issues of exchange controls under Foreign Exchange Management Act and assists in compounding of offences by making an application to Reserve Bank of India. Sonia assists clients in raid and investigations by Tax and Regulatory authorities like Directorate of Revenue Intelligence, Directorate General Goods and Service Tax Intelligence, Enforcement Director- ate, Narcotics Control Bureau and other Tax and Regulatory authorities to review Customs Duty/ Tax positions and regulatory compliances, opening discussions with authorities, options to close issues, briefing and debriefing of employees, etc. Sonia assists clients in taking approval for setting up and exit of units under 100% Export Oriented Scheme; Special Economic Zones and Free Trade Warehousing Zones Scheme. Sonia assists clients in drafting reply to show cause notices/ appeals and regularly appears before depart- mental adjudication and appellate authorities in Cus- toms Duty, GST and Trade matters. She also assists clients in filing appeal/ writ before High Courts and Supreme Court in Customs, Trade and Tax matters and argues at the time of hearing.

19. She also assists clients in making application before Settlement Commission for settlement of cases and arguing at the time of hearing. Sonia also assists clients in filing application and arguing at the time hearing before Authority for Advance Ruling seeking ruling on key issues. Sonia has handled large number of investigations for Multinational Companies and assisted clients in conducting audits and trainings under FCPA, UK Bribery Act and Prevention of Corruption Act; investigations of wrong doing or fraud or ethical violations by management or employees & whistle blower issues. She also assisted clients in options to deal with non-compliances and making self-dis- closure to the authorities. Sonia has also assisted clients in investigation and adjudication proceedings under Prevention of Money Laundering Act and Black Money (Undis- closed Foreign Income and Assets) and Imposition of Tax Act. She has written many articles on key issues under Customs, Indirect Tax and GST, Export Controls, Ease of doing business which have been well appreciated. Sonia also regularly speaks and partic- ipates in national and international conferences in her practice areas.

20. Mr. Sagar Kothari Advocate Mr. Narayan Pandit Advocate

21. Having started our career under the able guidance of eminent criminal lawyer Late Adv Vijayrao Mohite and Adv Hemant Chavan, we now have a career spanning over 16 years. Our partnership dates back to our initial days in this field and our mutual trust has helped us evolve and reach at this point of our career where we face new challenges every coming day and achieve desired results. We provide personalized legal solu- tions and have represented several well-known personali- ties from the society, politicians, celebrities, professionals and Government Bodies. We also provide services to corporate bodies. Our duo still remains associated with Adv Hemant Chavan who believes in team work. Mr Sagar Kothari hails from a family of eminent lawyers, his Father Late Adv Vasant D Kothari being a well-known advocate in Shirur and Pune. Since infancy, he has been witnessing the challeng- es faced by his father and seen him soar heights by his keen intellect and acute knowledge of the law field. His father, who was a self-made man had been representing various people from the weaker sections of the society and was their voice for assert- ing and achieving their rights. Growing in such household, it was no wonder that Mr. Sagar Kothari and his sister Adv Supriya Kothari chose this profession and have excelled to perfection under such able inspiration. They graduated from the pres- tigious ILS College of Pune. His Sister Adv Supriya Kothari is a leading practitioner and is a well-known name in the Family Court and has been representing in matters involving women rights. His wife Mrs. Chetana Kothari, being a lawyer herself has been also a support in his journey. Mr. Narayan Pandit belongs to a well-known agri- culturist family and being so he is well versed with the nuances of revenue administration. His family apart from being the most respectful profession have also contributed to the nation as his brother serves in the Paramilitary Force. Mr. Narayan completed his education from the prestigious Symbiosis Law College and having developed a interest in the Criminal Law, chose to join the eminent Criminal Lawyer of Maharashtra, Adv Vijayrao Mohite. The duo happened to meet during their juniorship days with Late Adv Vijayrao Mohite and Adv Hemant Chavan and have had the opportunity to assist the veteran lawyer in many high profile cases thus earning a vast experience in the field.

22. We provide a vast range of legal services ranging from criminal law, civil law, corporate matters, revenue matters, consumer disputes, cyber law, commercial law, banking law, Arbitration, Family Law, Industrial Law, Co-operative Law etc. and practice in all Tribunals, District and Sessions Court in and around Pune. We also provide Drafting and Conveyancing services. We strongly believe in the notion of “Justice Delayed is Justice Denied” and hence always endeavor to attain fast and concrete results for our clients. In this area of digitalization, we also provide online consultation to clients in need. Having learned the tricks of the trade from the basics, we are well versed with the Legal system and are aware of the challenges and shortcomings as well as the advantages of the same. We make sure that our clients are fully benefited by our efforts and achieve desired results. Having worked from the grass root level, we know the practical difficulties likely to be faced and know how to tackle them to our benefit. At the same time we strike a chord with the weaker sections of the Society and also contribute out bit for asserting their rights. We also serve as Advisors in various Non Gov- ernment Organisations and Companies and guide them about the legal aspects in order to achieve growth in their respective businesses. The legal field today has spanned extensively and we want to excel ourselves by providing solu- tions in every possible way. The technical evolu- tion has helped us to spread our wings and remain updated with the latest developments in the field. We keep ourselves updated with the latest judge- ments and believe in conducting brain storming sessions to sharpen our skills. Our team of Advo- cates comprise of the new brood of lawyers who are ever ready to face the challenges and have a fresh outlook often leading to new perspectives that help us to excel in our profession. STOCK ADVISORS IN INDIA PROMINENT

23. “DON’T BE AFRAID TO GIVE UP THE GOOD AND GO FOR THE GREAT.”

24. INVESTMENT ADVISORY EXPECTATIONS VS REALITY Very few people in the world understand the concept of invest- ing in its truer sense. This is because there are a lot of misun- derstandings and misconceptions about it that have been spread for a long time and caused a gap between investing expecta- tions and reality. It is important to understand this topic in-depth especially for those who have an interest in exploring the business opportunities in the stock market. Investments are probably somewhere in the grey area, subject to a lot of misun- derstandings. There are no black and white understanding of investments, there are many shades of grey to understand when it comes to stock market investments and their understanding. There are many myths people hold regarding investments. Investment is not something that eats your money, but it is also a wonderful business opportuni- ty. To do this investment business successfully we need to be smart and calculated enough to grab the opportunities diligent- ly that come by the will of the providence. Regrading investments most people have many wrong expectations while the reality is very different. We need to be aware of the reality of the investments than being trapped in wrong expectations. Below we will look out for some expec- tations and actual realities about investments. -

25. STOCK ADVISORS IN INDIA PROMINENT Expectation Number 1: The stock market always skyrockets. Reality: The stock market can be little or more volatile. It can be said to be one of the unpredictable categories. Stocks can be extremely volatile in the short term, which can be especially more damaging around the time one retires. Expectation Number 6: The stock market will generate yearly returns of eight to ten percent. Reality: The most important phrase we should be aware of is: “Past results give at all no guarantee of future performance.” Stock market returns on investments vary more greatly depending on a more variety of factors. Expectation Number 2: Investments are most of the time easy money. Reality: You can earn a lot from completely thought-out investing, but it takes a certain time. Sometimes it takes a lot of time and stamina. It is about consistent efficiency, not the short-cut approach. Expectation Number 7: Investment management is clearly straightforward and easy. Reality: Financial markets are more complex and are influenced by both inside and outside factors. Knowing and understanding the infinite details of financial mar- kets requires tremendous attention to everything right from exchange rates and trade agreements, the government’s fiscal policy to volatile oil prices, and RBI’s monetary policy. Investment management is a much integrated and broader term that also requires wise advice from the investing experts. Expectation Number 3: Choose to buy a stock for less amount of money and it will quickly go up. Reality: It only possibly happens if the firm is most exquisite. It is volatile in the shorter term, but ultimate- ly, if one is strong enough to continue to endure the ride, one will earn enough returns. Expectation Number 8: Investing will make one rich overnight Reality: Investing can make one incredibly wealthy, but it mostly won’t happen overnight. Expectation Number 4: You can quit your day job by turning to investments. Reality: It turns out that continuing to work until one retires is real. By being in the investing business one’s retirement might come quickly and will most probably be more relaxed than others. Precisely, it can be much more relaxed. But one should do keep one’s 9-5 job, it is better to go about exploring the stock markets during extra time and watch one’s revenue grow. Expectation Number 9: The Market is mostly guaran- teed to go up, so one should buy indexes Reality: Index investing leaves one open to the possibil- ity of the stock market crash and maybe periods of no gains. Expectation Number 10: Investing is somewhat like gambling Reality: There are plenty of ways to reduce our risk when investing. Expectation Number 5: The faster a particular compa- ny’s growth, the investment will be better. Reality: It may be partially true, but there are also other things to consider. Moreover, it can also experience a sudden decline in growth and quality also, which is common. Nothing is quite more fixed in an ever-chang- ing stock market.

26. CONCLUSION One may have heard many more phrases and predictions about investment, including those of return rate reaching the double-digit, or diversify- ing to decrease the overall risk, which, if done haphazardly, may take one to over-diversify- ing and losing a much more. Learning every aspect of the subject matter on the stock market or hiring an excellent advisor success”. It is much true and there for a certain reason. between investments, returns, retirement one’s plan should also include many other factors also such as insurance considerations, estate planning, budgeting, tax considerations, advisory certainly has a lot to role play in the lives of the investors. With their expert advice and guidance, one can invest smartly and can etc. A skilled advisor can help us navigate the planning and an advisor can help build a sustain- able plan that will help one reach one’s savings goals without keeping one awake at night. There are so many things that lead to ups and downs in the markets, and most of them cannot be so easily anticipated by average investors. The fewer solid stocks than myriads or a variety of potentially money-wasting weak stocks. It is good ones. It is good to identify the areas where we can reap the maximum return on investments, and we should choose to invest accordingly. And we should remember this notorious and much-quoted phrase: “Past results are certainly no guarantee of future have a plan that is unique to one’s circumstances and have the courage to stick with it, even in the face of short-term or long-term volatility.

27. NEXT BIG THING IN STOCK ADVISORY TREMENDOUS OPPORTUNITIES Following a decade of tech-sector dominance investors should look at different options for the next big thing in the stock advisory. Since 1973, sectors that led the market over a complete decade had close to just an 8% chance of repeating that performance in the coming decade, according to various banks. Such sectors also had a 25% possibility of becoming one of the two worst-performing sectors over the next 10 years. If the trend continues this year, it may be time for inves- tors to look up to different options than tech and consumer discretionary stocks and see for a new market front runner, according to the world's largest wealth manager. If the last decade had been about investing in the technology sector, we should think the next decade will profit from investing in the disruptors in sectors witnessing the technological transformation. Here are the possible four subsectors as possible market leaders over the next decade. The 5G wave The launch of the first 5G-capable iPhones demonstrated a new phase of expansion for the new communication technology. In the coming times, more people will have access to 5G technology than ever before, and various kinds of businesses may lever- age faster connections to transform over the next decade. Enablers of the 5G technology rollout will be the first amongst all to benefit. Companies that build and install the 5G towers will enjoy at least a 1900% jump in 5G capital spending over the span of the next five years. Due to this smartphone producers will also thrive in the coming times. Once 5G becomes the new norm, firms that can build novel use cases will present alluring investment opportunities. Automatic-driving augmented and virtual reality, big data analytics, telesurgery, automation, and artificial intelligence appli- cations are just a few of the industries likely to expand more in a 5G-enabled economy.

28. Changing how we pay payments. Looking beyond the medium to long term, fintech companies can expand into new services including online lending, reliable online platforms, investing, and insurance-tech. These businesses have the potential to offer higher margins and stronger growth. Implementation of blockchain technology and Artificial Intelligence technology can make such services far easier to scale. The covid-19 pandemic accelerated a change to online payments and e-commerce, but growth will more likely to continue well after the pandemic virus is contained. Once customers have grown accustomed to using digital payments, many will not revert to conventional means. This will add growth in digital payments over the next decade and investors in the stock market should be putting attention to this shift in the way people make Streamlining healthcare therapies, Gene technology, and regenerative medicine may improve patient outcomes, while blockchain, artifi- cial intelligence, and new sensor technologies may allow for a faster and more accurate diagnosis. Once the healthcare industry comes back to normal days from the pandemic, technology will play an important role in boosting efficiency, lowering costs, monitoring health, and improving quality. The US already spends nearly 8 trillion dollars on healthcare, but up to 25% of the amount spent was wasted in the previous year due to failed coordination, delivery pricing, and many compli- cated treatments. We see vital growth potential if the latest technologies can help providers prepare a more efficient, robust, and the holistic healthcare system. Telemedicine, new advanced treatment technologies, and progressive diagnostics capa- bilities are the three main categories set to grow propor- tionately over the next decade. Gene editing, genetic - Governments going green Countries will push the transition by changing fossil-fu- elled power generation with renewable energy, replac- ing conventional vehicles with electric counterparts, using more hydrogen in place of gas in industrial appli- cations, and finding more digital solutions for increasing efficiencies. Accordingly, renewable energy resources, hydrogen gas, and electric battery industries are those best positioned to be an advantage. Investors should prioritize to shift their attention to this sector that reduces carbon emissions. Governments are taking more and more steps to cut carbon emissions. The EU and Japan are planning to go carbon neutral by 2050, and China is also aiming to do the same 10 years later. These goals will certainly boost "Greentech" as the world's largest economies look to advantage from government investment and subsidies to reduce carbon emission. Reducing carbon emission will certainly be the priority of most nations in the coming times so investors should also be paying attention to this sector as well. This will help control climate change and also benefit the investors and the world itself. -

29. Space Exploration Opportunities potential and growth opportunities it offers, and we should be smart enough to grab these investing and business opportunities diligently. Hunt will always be on for the next big thing, and it can be mostly technology related. Any new technology is sure to have its day erupting posi- tively in the stock-market sun. The more the prospective company’s story sizzles with the max- imum potential of a ‘divide infinity with zero’ future scenario, the more it will go up and up like a rocket and hold the risk of coming down like a rock. Some investors can be worried about the possibility of the emergence of a larger fall to come in the stock market but it’s rare that the stock market will crash down to extremely low levels. But still, we should not be com- placent but prefer to be more calculative. In recent times we have seen increasing space explo- ration by most of the advanced countries. The quest for understanding the dynamics of the universe is certainly going to be there in the coming times. The exciting potential and opportuni- ties for investing in space companies for investors also look almost infinite. Stock market investors should be attentive to the exploration and research in the space sector. In the stock market, there are many investment sayings that are precisely right a little bit more than most of the time. One is ‘Up and up similar like a rocket and down just like a rock’. The stock market always offers wonderful busi- ness opportunities. We should be looking at this sector with a positive approach and we should grab the maximum business - STOCK ADVISORS IN INDIA PROMINENT

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32. satyam shivam sundaram three pillers of my life