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Unlock Financial Wellness Using Stock Markets

Mar-13-2020Blog by – Mr. Ashish AjmeraRead Time: 3 Min.Word Count: 783
153Unlock Financial Wellness Using Stock Markets
Stock markets tend to be volatile by nature though the long term direction is set by economic growth and company earnings. Any online stock trading company offers the necessary advice as regards the investments though it is upto you as an investor to use it wisely to your advantage. Stock market brokers provide services like equity investing and mutual funds with ease for the retail investors.

Could share market investing and trading be optimally used to create wealth? The answer is yes though doing it on a sustainable basis needs patience and practice. This is critical because if you want to beat the rate of inflation in the long term, equities offer the best options. Inflation simply means the rise in the value of goods and services over a particular period of time. Inflation is intrinsically linked to your savings as it erodes the value of your income. News and data on inflation and further analysis of the same is available on the websites of most stock brokers in India.

Therefore, it is important that while taking any investing decisions, the investors keep their eye on the real return which is the amount of gain they are making over and above the rate of inflation. For example, Rs 100 earned will be worth just Rs 95 after a year if it is not invested and the inflation rate is 5%. So if you keep you funds idle, their value would have declined by the end of the year. Therefore, it is always important to put your funds in assets which are likely to offer returns in excess of the inflation.

This is where online stock trading and investing come in the picture. Investing your money in share markets is an excellent way of beating the inflationary trends as the listed companies’ sales and profits also tend to generally rise at an increasing pace. This is particularly true in case of an emerging economy like India. Thus, it makes sense to invest in share of operationally sound companies with a good track record of earnings and a strong potential to grow. This effectively means the buy and hold approach is suitable for retail investors when it comes to blue chip companies. One can also park their funds in large cap mutual funds.

However, risk profile also plays a big part in the investing decisions. At a younger age, since the risk appetite is large, the investors are advised to allocate a large part of their savings to direct equities. For small investors, it is advisable to invest through mutual funds, as they are managed by experts. Online investment brokers offer bulk of these services with ease. For investors who are rather risk averse and do not want to allocate all of their funds into investing at one time, systematic investment plans or SIPs are a perfect solution.

Equity or stock market investing is a long term game. Fundamental analysis of stocks is the key for such an endeavor. Such research involves analyzing the company financial statements along with macroeconomic data. To find out whether a stock is a good long-term buy, it makes sense to evaluate earnings via financial analysis of a company.

While the stock markets tend to mostly go up in the long term, there are periods of short term volatility when the prices do not follow a linear path. Online stock trading is also a profitable strategy for such periods. Many a times, due to a mega slide in global markets, shares of good quality companies correct heavily. Some investors buy such stocks at beaten down values and sell when the prices rise over next few days. Such short term trading also works well though it requires plenty of skill and tends to involve an additional amount of risk.

Conclusion:
Remember that stock markets tend to be heavily influenced by underlying trends in economic scenarios. Successful online stock trading participants have to keep a close track of major announcements like inflation, gross domestic product, industrial production, currency movement, credit growth, interest rates etc to get an idea about the near term sentiments affecting the stock markets. Policy decisions affecting a particular sector also need to be considered. Apart from this, company specific news announcements have to be watched as well. While these trends will help you identify winning opportunities in share markets, it is important for an investor to adapt a balanced approach towards stock market investments in term of right allocations to various stocks and mutual funds. Keep in mind that the risks of not investing in the stock market are even greater than the risks of investing in terms of erosion of value in your funds due to inflation.


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