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Retire Rich with Dividends (Buffett’s Strategy)

When we talk about wealth creation, most people think of capital gains. But what if your investments could also generate a steady, growing cashflow, much like a second salary – even in retirement?

 

This is where dividend investing comes into play.

 

The Power of Long-Term Dividend Investing

 

Let’s take a page out of Warren Buffett’s playbook. In the late 1980s, Buffett invested $1.3 billion in Coca-Cola. Today, that stake is worth over $24 billion, but more importantly, he receives over $750 million every year in dividends – which is almost 60% of his original cost annually. And the best part? These dividends grow with time.

 

Indian Examples That Mirror This Power

 

Over the last 25 years, several Indian companies have delivered multibagger growth and generous dividends. In many of them, the annual dividend payout today exceeds the original investment cost.

 

Compare this with fixed deposits:

 

  • ₹1 lakh in an FD at 8% would have grown to ₹6.8 lakh in 25 years.

     

  • The same invested in quality dividend stocks like ITC, HUL, Infosys, or Bajaj Auto would be worth ₹60 lakh to ₹1 crore+, plus generate ₹50,000-75,000 in annual dividends – without selling a single share.

 

This is the power of compounding + cashflow.

 

Why This Matters for You

  • Steady Cash Flow: Build a future where your investments pay you – monthly, quarterly, or annually.

  • Rising Income: Unlike fixed deposits or pensions, dividend income from quality stocks tends to grow over time.

  • Tax Efficiency: In many cases, dividends are more tax-friendly than interest income.

  • Peace of Mind in Retirement: Live off returns, not redemptions.

 

Here’s a guide to spotting stocks with high growth and future dividend yield potential:

 

  • ✅ Consistent Cash Flows: Look for companies with stable and growing operating cash flows over time.

  • 💰 Low Debt Levels: Financially healthy companies with minimal debt are better positioned to sustain and increase dividends.

  • 📈 Earnings Growth: Strong historical and projected profit growth indicates the ability to fund future payouts.

  • 🏭 Sector Strength: Focus on resilient sectors like FMCG, technology, financials, and utilities with long-term demand.

  • 📊 Moderate Payout Ratio (30–60%): Ensures a balance between reinvestment for growth and rewarding shareholders.

  • 👨‍💼 Quality of Management: Prefer promoters and leadership with a strong track record of capital allocation and governance.

  • 🚀 ROE and ROCE Metrics: High returns on equity and capital employed reflect efficient use of capital – a sign of strong businesses.

  • 💹 Dividend Growth History: Companies that have consistently raised dividends over the years are likely to continue doing so.

  • 🧩 Undervalued or Reasonably Priced: Ensure you’re not overpaying for the stock—future yields depend on your cost price too

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Economic Engineering Chaos

  • On April 2, 2025, former U.S. President Donald Trump unveiled a sweeping tariff plan dubbed “Liberation Day.” He announced a universal 10% tariff on all foreign imports to the United States, aimed at overhauling decades of trade policy;

  • In addition, Trump detailed “reciprocal tariffs” – hefty country-specific levies mirroring foreign barriers – to target nations he accused of “cheating” America;

  • China faces the steepest hike: a new 34% duty on Chinese goods, atop existing tariffs, raising the effective U.S. tariff on Chinese imports above 50%;

  • Other major trading partners were hit with significant rates as well, including 24% on Japan, 20% on the EU, 26% on India, and 46% on Vietnam, among dozens of countries listed;

  • The across-the-board 10% duties take effect April 5, with the higher nation-specific tariffs to follow on April 9;

  • Trump characterized the move as the start of a new era of fair trade, even throwing a red “Make America Great Again” cap to the crowd incelebration

  • Global leaders and investors, however, braced for an unprecedented trade war.

Market Fallout on April 3–4, 2025: Turmoil Across Assets

Trump’s tariff announcement immediately roiled financial markets worldwide, triggering a flight to safety and high volatility. Major asset reactions over April 3 and 4 included:

  • U.S. & Global Equities: Stocks plunged in one of the sharpest sell-offs since 2020. The tech-heavy Nasdaq Composite sank nearly 6% in a single day, and the S&P 500 and Dow each fell over 3.9%. $2.4 trillion in U.S. market value was wiped out as investors priced in lower corporate earnings.

  • Japan’s Nikkei 225 index tumbled as much as 4–4.6% to an 8-month low before paring losses to close about 3% down. Hong Kong’s Hang Seng and other Asian bourses also slumped in sympathy (around 0.5%–2% declines).

  • India’s Nifty 50 index dropped 0.8% on April 3 and 1.49% on April 4, testing key support as global jitters weighed on sentiment

  • Safe Havens (Gold & Silver): Investors flocked to safety. Gold prices surged to all-time highs, briefly touching $3,167.57/oz on April 3 before settling around $3,145

  • Oil: Crude oil cratered on fears of slowing global growth. Brent crude futures plunged over 6% on April 3, then extended losses to about 8% by April 4 – hitting ~$65 per barrel, the lowest since 2021. U.S. WTI fell to ~$62.00. This oil rout, exacerbated by a surprise OPEC+ supply increase, marks the worst week for oil in over two years;

  • Volatility & Currencies: Wall Street’s “fear gauge,” the VIX volatility index, spiked above 30, its highest level since 2024;

  • The yield on the 10-year U.S. Treasury is hovering around 4.0%, near its lowest level in months. Such a sharp decline reflects a flight to safety as investors pile into bonds amid the tariff turmoil. In general, higher long-term yields tend to signal optimism about growth and inflation, whereas falling yields often hint at gloomier expectations.

  • The U.S. Dollar Index, which measures the dollar against major currencies, plunged from around 110 in late March to nearly 101 by April 4 – a steep and nearly unprecedented drop in such a short span. This 8%+ slide in the greenback’s value signals a dramatic shift in global capital flows and sentiment.

Escalation of Tensions: Global Retaliation Begins

Trump’s tariff blitz prompted swift backlash from key allies and rivals, raising the specter of an all-out trade war:

  • Canada’s Countermeasures: Long a close US trade partner, Canada decried the tariffs as a “tragedy for global trade.” Prime Minister Mark Carney unveiled a “limited” retaliation, mirroring U.S. tactics. Ottawa will impose a 25% tariff on all U.S. automobiles that don’t meet USMCA content rules.

  • Europe – France Leads Pushback: European leaders condemned Trump’s policy as “brutal and unfounded.” The EU swiftly began preparing counter-tariffs to defend its interests. France, hit with a 20% levy, took an especially hard line. President Emmanuel Macron urged a united EU response and went so far as to urge French and European firms to suspend new investments in the U.S. until America clarifies its stance.

  • China’s Retaliation: Beijing responded in kind, matching Washington’s escalation. On April 4, China’s Commerce Ministry “firmly opposed” Trump’s move and unveiled 34% retaliatory tariffs on all U.S. goods, effective April 10

Aggressive Tariffs – Hardball Negotiation Tactic or New Normal?

Amid the market mayhem, a key question is whether Trump’s sweeping “Liberation Day” tariffs are meant to be a negotiating tactic rather than a permanent stance. From a strategic perspective, there is evidence that the Trump administration’s hardline tariff announcements are at least partly calculated leverage aimed at extracting concessions. Trump himself has a long track record of brinkmanship in trade. He has frequently railed against “unfair” trade deficits and, in the past, “used [tariffs] as a negotiation tool to extract concessions” from U.S. trading partners.

Forward-Looking Outlook: Recession Fears and Economic Crosswinds

Risks of Recession Are Rising: Wall Street and international institutions warn that Trump’s tariff barrage may significantly slow the global economy. JPMorgan now pegs the probability of a U.S. and global recession in the next year at 60%, a jump from 40% prior to the tariff announcement.

Credit rating agency Fitch labeled the trade gambit a “game-changer” for the world economy, and Deutsche Bank analysts called it a “once-in-a-lifetime” shock that could shave 1–1.5% off U.S. GDP this year.

In response to the darkening outlook, investors are now betting the U.S. Federal Reserve will cut interest rates several times in 2025 to cushion the blow.

Lower borrowing costs could soften the impact, but cannot fully offset lost trade. As one economist put it, “We are heading towards a global trade war…a war that has no winners”

In summary, Donald Trump’s “Liberation Day” trade gambit has set off chaos in economic engineering. The immediate market shock – stocks plunging, safe havens soaring – underscores the fragility of the current expansion when confronted with protectionist policies. With allies retaliating and rivals matching tariffs step for step, the global trading system is tilting toward fragmentation. Multilateral institutions and Wall Street are sounding alarms about recession risks, even as recent data show the U.S. economy entering this storm on decent footing. Going forward, much will depend on whether cooler heads prevail or an escalating cycle of retaliation becomes the new normal. For now, businesses and investors are left navigating an environment of heightened uncertainty, bracing for slower growth, and hoping that this bout of economic brinkmanship can be contained before it inflicts lasting damage.

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A Look Back—Five Years Since the World Changed

Exactly five years ago, the world came to a halt. COVID-19 brought unprecedented disruption—not just to our daily lives, but also to global markets, which fell to their lowest levels in three years. Panic was widespread. But even in the midst of that uncertainty, there was something powerful at play: optimism. A belief that, eventually, better days would return.

Today, as we stand in one of the longest bull markets in history, that belief has paid off. It’s a reminder that staying invested through turbulence isn’t just a test of patience—it’s a proven strategy.

At the time, we made a conscious decision: to hold firm. Not a single client redeemed investments out of fear.

We focused on long-term goals instead of reacting to short-term noise. That discipline and trust are now clearly visible in portfolio performance.

The decisions made during crisis laid the foundation for the strong returns we’re seeing today.

Now, once again, uncertainty is in the air—this time driven by headlines around tariffs, elections, and global slowdown fears. But just like before, these concerns are temporary. Markets may pull back in the short term, but history shows that they bounce back stronger and often reach new highs.

 

Periods of volatility remind us of two important truths: markets recover, and resilience pays off. While no one can predict the future with certainty, those who remain committed and invested are often the ones who benefit most—especially over a 4–5 year horizon.

 

Thank you, as always, for your trust and partnership. If you have any questions, we are here to help.

 

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Make Your Home Loan Interest-Free!

Your Home Loan doesn’t have to be a burden of interest.

By leveraging SIPs, you can take control of your finances instead of letting EMI interest control you.

This simple yet powerful strategy can make your home purchase much more cost-effective in the long run.

Suppose you have a ₹50 lakh home loan at 9% annual interest with a tenure of 15 years (180 months). Your monthly EMI would be around ₹50,700, and by the end of 15 years you’ll pay roughly ₹41.3 lakh in interest to the bank in addition to the ₹50 lakh principal.

Now, alongside this loan, imagine you start an SIP of~₹13,000 per month (about 25% of EMI). If we assume an average 12–13% annual return on the SIP (historically achievable in equity funds over long periods), here’s what happens:

  • Total SIP Investment: You invest ₹13,000 every month for 180 months, which totals ₹23.4 lakh out-of-pocket over 15 years.

  • Growth through Compounding: Assuming the SIP grows ~12–13% per year, your investment gains momentum each year. After 15 years, the SIP could grow to approximately ₹68.5 lakh in value

  • Wealth Accumulated (Returns): Out of this ₹68.5 lakh, your profits (capital appreciation) are about ₹45 lakh (since you invested ₹23.4L and ended up with ₹68.5L, the gain = ₹45L)

. This ₹45 lakh is money earned by your investments.

  • Comparing with Interest Paid: Recall that the total interest paid on the loan was ~₹41.3 lakh. Remarkably, the ₹45 lakh SIP gains have entirely covered all the interest you paid – and even left you with a few lakhs extra! In other words, the SIP’s growth has effectively funded your interest expense. You’ve recovered the ₹41.3L interest and made a small surplus, making the net cost of interest almost zero.

This example shows how a parallel SIP (25% of EMI) can neutralize the cost of a home loan’s interest. Instead of seeing interest as “lost” money, you’re ensuring that an equivalent (or greater) amount comes back to you via investment returns. It’s as if the SIP gives you an interest rebate at the end of the journey, powered by compounding growth.

Why This Strategy Makes Sense

 

  • Build an Asset While Paying off Debt: Instead of only servicing a loan (which leaves you with zero to show for the interest money), you are simultaneously building an investment portfolio. In the end, you own your house and a sizeable investment corpus.

  • Power of Compounding: The sooner you start the SIP, the longer it has to grow. Over a 15–30 year span, compounding works its magic, turning small monthly contributions into a large sum. This essentially turns time in your favor – the longer your loan, the more time your SIP has to accumulate wealth.

  • Discipline and Financial Habit: Treating your SIP like an extension of your EMI instills financial discipline. You “set it and forget it”, and over time this discipline rewards you with significant returns

 

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Diamonds in the dust

Over the past 30 years, India’s primary market has seen hundreds of companies go public. While exact numbers for the entire period are hard to track, data since 2006 shows that over 650 IPOs (mainboard and SME) have hit the market.


However, not all IPOs have been success stories. In fact, more than 50% of them have traded below their issue price, resulting in losses for investors. This highlights the risks involved and the importance of careful stock selection.


That said, the market has also produced some remarkable winners. These are the multibaggers—IPOs that have multiplied investor wealth several times over.


These rare success stories show that, with the right pick, the IPO market can be a powerful wealth creator:

Info Edge Ltd.

Listing year: 2007 (18 years)

Growth: 96X

CAGR: 29.2%

Info Edge is a powerhouse in India’s internet landscape, building and scaling premier online platforms. The company commands key markets with its leading brands: Naukri.com (recruitment), 99acres.com (real estate), Jeevansathi.com (matrimony), and Shiksha.com (education). Beyond its core operations, Info Edge is a sharp strategic investor, cultivating a dynamic portfolio of promising digital startups and shaping the future of India’s online ecosystem.

Page Industries Ltd.

Listing year: 2007 (18 years)

Growth: 176X

CAGR: 32%

Incorporated in 1995, Page Industries Limited is the exclusive licensee of JOCKEY International Inc. for manufacturing, distribution, and marketing of the JOCKEY brand in India, Sri Lanka, Bangladesh, Nepal, and the UAE. Page Industries is also the exclusive licensee of Speedo International Ltd. for the manufacturing, marketing, and distribution of the Speedo brand in India.

Astral Ltd.

Listing year: 2007 (18 years)

Growth: 358X

CAGR: 37.4%

Astral Poly Technik Ltd was established in 1996, with the aim to manufacture pro-India plumbing and drainage systems in the country. It has also forayed into adhesive business over years.

KPR Mills Ltd.

Listing year: 2007 (18 years)

Growth: 68X

CAGR: 26.8%

K.P.R. Mill is engaged in one of the largest vertically integrated apparel manufacturing Companies in India. The Company produces Yarn, Knitted Fabric, Readymade Garments and Wind power

Polycab Ltd.

Listing year: 2019 (6 years)

Growth: 10X

CAGR: 46%

Polycab is India’s leading manufacturers of cables and wires and allied products such as uPVC conduits and lugs and glands. We have a range of cables and wires for practically every application. More recently Polycab has also launched a wide range of consumer electrical products like Fans, Switches, Switchgear, LED lights and Luminaries, Solar Inverters, and Pumps.    

MazagonDock Shipbuilders

Listing year: 2020 (5 years)

Growth: 44X

CAGR: 104%

Mazagon Dock Shipbuilders Limited (MDL), Mumbai, established in 1774, is a prominent shipyard in India. Initially a small dry dock, MDL has evolved into a renowned shipbuilding company. It has constructed 801 vessels since 1960, including warships, submarines, cargo/passenger ships, and offshore platforms.

BSE Ltd.

Listing year: 2017 (8 years)

Growth: 23x

CAGR: 48.5%

Bombay Stock Exchange (BSE Ltd) is an Indian Stock Exchange located at Dalal Street in Mumbai. The Co. facilitates a market for trading in equity, currencies, debt instruments, derivatives, and mutual funds.

CDSL Ltd.

Listing year: 2017 (8 years)

Growth: 13X

CAGR: 38.3%

CDSL is providing services to all market participants—exchanges, clearing corporations, depository participants (DPs), issuers, and investors. It facilitates the holding of securities in dematerialised form and facilitates securities transactions.

Persistent Systems 

Listing year: 2010 (15 years)

Growth: 56x

CAGR: 32%

Persistent provides software engineering and strategy services to help companies implement and modernize their businesses. It has its own software and frameworks with pre-built integration and acceleration. It also has partnership with providers such as Salesforce and AWS

Kaynes Tech India 

Listing year: 2022 (3 years)

Growth: 46X

CAGR: 265%

Kaynes is a leading end-to-end and IoT solutions-enabled integrated electronics manufacturing company. The company provides conceptual design, process engineering, integrated manufacturing, and life-cycle support for major players in the automotive, industrial, aerospace and defence, outer-space, nuclear, medical, railways, Internet of Things.

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Key Highlights from Budget 2025 – Impact on You

The Union Budget 2025 has introduced several key reforms aimed at boosting middle-class savings, enhancing economic growth, and simplifying taxation. Below is a quick summary of how it may impact you:

1. Income Tax Reforms

  • Increased Tax Exemption Limit: Under the new tax regime, individuals with taxable income up to ₹12 lakh are eligible for a tax rebate. Including the standard deduction of ₹75,000, salaried individuals earning up to ₹12.75 lakh will not have to pay any tax.

  • New Income Tax Bill to be introduced, simplifying tax laws by nearly half.

  • TDS & TCS Updates:

    1. TDS on senior citizens’ interest income above ₹1 lakh.

    2. TDS on rent applicable only above ₹6 lakh.

    3. TCS on sales removed.

    4. Higher threshold limits for TCS on LRS remittances and education loans.

  • File Past IT Returns for 4 Years – Extended window for tax compliance.

  • Tax benefit under new regime:

2. Investments & Business Growth

  • Capital Gains & Savings: Tax exemption for withdrawals from the National Savings Scheme.

  • MSME Support:

    • Investment limits increased by 2.5x and turnover limits doubled for MSME classification.

    • Enhanced credit guarantee cover for MSMEs & startups.

  • New ₹10,000 Crore Fund for Startups to support innovation and entrepreneurship.

 

3. Mutual Funds and Investment Income

  • Higher TDS Threshold on Dividends: The threshold limit for Tax Deducted at Source (TDS) on mutual fund dividend income has been increased from ₹5,000 to ₹10,000. Investors with dividend income up to ₹10,000 will now face no TDS.

4. National Pension System (NPS) for Minors

  • NPS Vatsalya Scheme: A new pension scheme for minors, NPS Vatsalya, has been introduced. Parents can invest up to ₹50,000 per annum in this scheme and avail tax deductions under Section 80CCD, similar to the regular NPS account.

     

5. Real Estate Benefits

  • Tax Relief on Second Home: Individuals can now own up to two self-occupied properties without any taxation on the second house, which was previously considered a let-out property for tax purposes.

6. Simplified KYC Process

  • Central KYC Registry: The government plans to implement a simplified Know Your Customer (KYC) regime and roll out a central KYC registry by 2025, easing the compliance process for investors.

7. Cost of Living & Household Benefits

  • Urban Development:

    • ₹1 Lakh Crore Urban Challenge Fund to improve city infrastructure and services.

    • Jal Jeevan Mission extended till 2028 to ensure clean tap water for all households.

  • Healthcare:

    • Plan to set up a cancer hospital in every district.

    • 75,000 new medical seats in the next 5 years.

8. Employment & Industry Growth

  • Footwear, Leather & Toy Industry Boost: New schemes expected to generate 22 lakh+ jobs.

  • Manufacturing & Skilling:

    • 5 National Centres of Excellence for skilling in manufacturing.

    • Expansion of IITs to accommodate 6,500+ more students.

  • Women & SC/ST Entrepreneurs: New scheme for 5 lakh first-time entrepreneurs.

9. Infrastructure & Economy

  • Major Infrastructure Investments:

    • ₹1.5 Lakh Crore outlay for 50-year interest-free loans for PPP projects.

    • Focus on roads, railways, and energy transition (100 GW nuclear energy by 2047).

  • Tourism & Medical Travel:

    • Promotion of “Heal in India” medical tourism sector.

    • Mudra loans to be extended to homestay businesses.

10. Insurance Sector Enhancements

  • Increased FDI Limit: The government has raised the Foreign Direct Investment (FDI) limit in the insurance sector to 100%, potentially leading to greater investment and product offerings.

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Lessons from Jeff Bezos: A Framework for Success

In our mission to safeguard and grow your wealth, we draw inspiration from visionary leaders like Jeff Bezos, whose principles have made Amazon a global powerhouse.

 

Below are key lessons we can apply to your financial journey, illustrated with metrics from Amazon’s history:

1. Think Long Term
Amazon has always emphasized long-term value over short-term gains. For instance, despite incurring losses early on, Amazon’s focus on market leadership and strategic investments resulted in annual revenues exceeding $386 billion by 2020. Similarly, our strategies are designed to build sustainable wealth over decades, not just years.

2. Do What’s Right, Even If Unpopular
Amazon faced skepticism when it invested heavily in infrastructure and new categories. In 2000, the company grew international sales to $381 million despite market uncertainty. Similarly, we make decisions based on your best interests, even when they may seem counterintuitive during volatile market conditions.

3. Customer-Centric Focus
Bezos emphasized that “obsessing over customers” drives success. By 1999, 73% of Amazon’s orders came from repeat customers. Our approach mirrors this ethos: we prioritize your financial goals, customizing strategies to align with your unique needs.

4. Innovate to Sustain
Amazon’s constant innovation, like introducing AWS in 2006, added a new revenue stream that accounted for $45 billion in 2020. For you, we continually explore innovative investment solutions to sustain and grow your portfolio in an ever-evolving market.

5. Cash Flow is King
Bezos famously said, “When forced to choose between optimizing the appearance of our GAAP accounting and maximizing cash flows, we’ll take cash flows.” Amazon generated $477 million in free cash flow in 2004, a 38% year-over-year growth. Similarly, we prioritize liquidity and cash flow in your investments to ensure resilience during market fluctuations.

6. Embrace Risks with Precision
Amazon’s bold decisions, such as expanding into international markets, paid off significantly, with non-U.S. sales reaching $358 million in 1999. Our calculated risk-taking ensures your portfolio is positioned to capitalize on emerging opportunities while managing potential downsides.

7. Learn from Failures
Amazon’s ventures, like its early investments in Pets.com, taught the company valuable lessons. Despite setbacks, Amazon leveraged these experiences to refine its business model, ultimately leading to its dominance. We adopt a similar mindset, viewing challenges as opportunities for growth and adaptation.

8. Efficiency Drives Growth
Amazon achieved inventory turnover rates of 16 times annually by 2001, significantly optimizing its operations. Likewise, we focus on efficient portfolio management, minimizing costs to enhance your investment returns.

Amazon’s gross margin has expanded by almost 1,900 (!!!) basis points over the last decade.

9. Stay Flexible in Execution
Amazon’s rapid response to evolving markets—like launching Prime in 2005—helped secure its competitive edge. Our flexible investment strategies adapt to changing economic conditions to keep your financial plans on track.

10. Build Trust Through Transparency
Bezos prioritized transparency, regularly appending Amazon’s original 1997 shareholder letter to highlight its long-term approach. We believe in the same principle, maintaining open communication and clear reporting to foster trust and confidence.

At Onesta Capital Ventures, we aim to embody these principles to ensure resilience, growth, and innovation in your financial journey. Thank you for trusting us as your partner in building lasting wealth.

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What NOT to Do in the Market Right Now!

The Indian equity markets have been on a rollercoaster for the past few months:

Nifty 50 is down 14%
Nifty Midcap is down 18%
Smallcap index is down 19% from all-time highs

For new investors, this might feel unsettling, but here’s the truth: Market corrections of 15-20% are normal. Every dip in history has been followed by a recovery to new highs.

Why Is This Happening?

 

🔹 Aggressive FII selling (₹3 lakh crore pulled out of Indian markets)
🔹 Sudden rise in the Dollar Index
🔹 Potential tariff threats in the US
🔹 Money flowing towards undervalued Chinese markets

 

But nothing is permanent—markets always rebound. The key is to stay calm and avoid common mistakes.

7 Things You Should NOT Do Right Now

❌ 1. Panic Selling

Selling in fear locks in losses and stops you from benefiting when the market recovers. In the last 25 years, aggresive FII selling has just presented an opportunity for a patient investor.

❌ 2. Ignoring Your Investment Plan

Market cycles are normal. If you started your SIP in 2024 for 10 years, your returns might look negative now—but remember, lower NAV means you accumulate more units at cheaper prices!

❌ 3. Trying to Time the Bottom

No one can predict the exact bottom. Instead, stick to SIPs (Systematic Investment Plans) and dollar-cost averaging to benefit over time.

❌ 4. Taking Excessive Risks

Overleveraging or making high-risk bets to recover losses can backfire. Protect your capital.

❌ 5. Stopping Investments Completely

A bear market is when great opportunities emerge. Keep investing systematically to take advantage of lower prices.

❌ 6. Ignoring Diversification

A concentrated portfolio is risky. Spread your investments across sectors and asset classes to reduce risk and improve stability.

❌ 7. Forgetting the Market’s Long-Term Growth

History proves that markets always recover and grow over time. A bear market is temporary, but bad investment decisions can have long-term consequences.

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The First Trillionaire?

On December 23, 2024, Elon Musk’s net worth surpassed $500 billion for the first time. According to a report by Informa Connect Academy, Musk’s wealth is growing at an extraordinary 110% per annum, putting him on track to become the world’s first trillionaire by 2027.

John D. Rockefeller, recognized as the world’s first billionaire in 1916, set a historical benchmark. Now, 110 years later, Elon Musk might claim the title of the first trillionaire, exemplifying the compounding power of wealth in a capitalist economy.

Even Bill Gates, the founder of Microsoft, has acknowledged Musk’s unparalleled contributions, stating:

“There is no one in our time who has done more to push the bounds of science and innovation than Elon has.”

Elon Musk isn’t just breaking financial records—he’s redefining what it means to lead. Managing more companies than any other active CEO—three times the number Steve Jobs once helmed—his ventures span an extraordinary range of industries:

Key Projects and Milestones

  1. Zip2 (1996–1999)

A revolutionary online city guide

Sold to Compaq for $307 million in 1999, markingMusk’s first major success.

  1. PayPal(1999–2002)

Revolutionized online payments as a co-founder.

Acquired by eBay in 2002 for $1.5 billion.

  1. SpaceX(Founded in 2002)

Pursuing Musk’s vision to colonize Mars and makespace exploration accessible.

  1. Achievements include:

·       Falcon 1: First privately built rocket to reach orbit

·       Falcon 9: The world’s only reusable orbital rocket.

·       SpaceX launched more rockets in 2024 than the entire 30 year history of the Space Shuttle program.

  1. Starlink: A satellite internet network, with 7,000 satellites currently in orbit. The goal is to reach 40,000, connecting even the remotest regions on Earth.
  2. Tesla (Founded in 2003):

Pioneered a vision of a zero-emission future,reducing the carbon footprint of transportation and energy storage.

Revived innovation in the American auto industry with its IPO in 2010, the first since Ford in 1956.

Became the 6th company in history to hit a $1trillion market cap, surpassing the combined value of its top nine competitors.

Leading advancements in:

Self-driving cars: Using AI powered by real-world video data.

Tesla Energy: Solar roofs and energystorage solutions for homes and vehicles.

  1. Artificial Intelligence and Robotics

OpenAI: Contributed $100 million tosupport its development.

Neuralink: Developed a chip implantenabling direct communication between the brain and computers, aiming to:

    • Help patients with neurological disorders regainmotor functions.
    • Advance human-AI symbiosis for futuretechnologies.

Optimus: A humanoid robot designed for everydaytasks.

  1. The Boring Company

Innovating underground transportation to alleviate urban congestion.

  1. Twitter (Acquired in 2022)

Advocating for free speech, Musk acquired the platform for $44 billion.

  1. DOGE

On November 14, 2024, president-elect DonaldTrump announced that Elon Musk and Vivek Ramaswamy would lead a new Departmentof Government Efficiency ‘DOGE’

The Journey of an Outsider

Elon Musk’s rise is a testament to resilience. Born in South Africa, he migrated to the U.S. with nothing but ambition. He:

  • Slept on his office floor while building Zip2.
  • Endured the financial crisis of 2008, nearly losing Tesla and SpaceX.
  • Competed against tech giants like Google in AI and Jeff Bezos in space exploration.
  • Lost his first son. Had three divorces. Multiple mental breakdowns. Did not take a single vacation in 30 years.

Through relentless determination and unmatched vision, Musk overcame obstacles that would have deterred most. Today, he’s not just a billionaire but a symbol of what’s possible when audacious dreams meet relentless execution.

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Building a ₹100 Crore Portfolio: A New Year’s Ambition

As we embark on a new beginning in 2025, it’s the perfect time to revisit and realign your financial goals. One ambitious yet achievable target worth considering is building a ₹100 crore portfolio. While this may seem like an intimidating number, disciplined investing and a long-term approach can turn this aspiration into reality.

 Mutual Funds: A Trusted Path to Wealth Creation

Mutual funds continue to be one of the most effective tools for wealth creation. To achieve a ₹100 crore portfolio, consider these three investment strategies:

Lumpsum Investments: For investors with substantial savings or windfall gains, lumpsum investments provide a way to deploy significant capital at once, allowing it to grow over time. Strategic timing and careful fund selection are crucial for maximizing returns.

Systematic Investment Plans (SIP): SIPs are a disciplined way to invest regularly, leveraging the power of compounding and rupee cost averaging. By consistently investing a fixed amount, you can ride through market fluctuations and steadily grow your wealth.

Top-Up SIPs: By periodically increasing your SIP contributions, you can accelerate your portfolio’s growth. This approach aligns well with rising incomes and helps maintain an aggressive wealth creation trajectory.

Starting early and capitalizing on high-growth opportunities can reduce the burden of larger investments later. Additionally, regular reviews and adjustments to your portfolio ensure alignment with market conditions and personal goals.

Riding Through Market Cycles

 

Historical market data underscores a reassuring trend: despite periods of correction (e.g., 2008, 2014, 2020) and consolidation (e.g.,2016-2020, 2022, 2024), markets rebound and reach new highs. This resilience is driven by India’s robust growth story.

 

As the fastest-growing major economy globally, India is poised to achieve a $30 trillion GDP within the next 23 years, presenting unparalleled opportunities for wealth creation.

 

Begin Your Journey Today

 

The start of a new year is a powerful reminder that time is one of the most valuable assets in investing. By adopting a disciplined approach and leveraging the right strategies, you can work towards creating a legacy of financial success.

Onesta Capital Ventures is a Multi Family Office based out of Gurugram (India). We aim to provide tailored independent wealth management and other family governance solutions to individuals and corporates.

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