J R Laddha Financial Services Pvt. Ltd

📣 A Remarkable Day at the 17th ICC Mutual Fund Summit!

We are proud to announce that Laddha, Director of J R Laddha Financial Services Pvt. Ltd., was invited as one of the esteemed speakers at the 17th Mutual Fund Summit organized by the Indian Chamber of Commerce (ICC) in Kolkata on June 21, 2025.

The summit was a powerful platform that brought together industry leaders, fund managers, and financial experts to discuss key insights on India’s investment landscape and the transformative potential of mutual funds in driving economic growth.

Mr. Laddha’s session focused on practical strategies for investors, the future of retail investing, and the growing importance of personalized financial advisory services.

Kudos to ICC for putting together such an impactful event. We are honored to be part of conversations that shape the future of finance.

wishes everyone HAPPY INDEPENDENCE DAY ✨️ 🇮🇳

Director of JRL MONEY Vijai Mantri has been extensively quoted today in Economic Times on current market scenario...Avoid lumpsum investment in equities. Go for STP/SIP.
For more details:
https://epaper.timesgroup.com/article-share...

PROTECT YOURSELF, PROTECT YOUR COMMUNITY....GET VACCINATED..!

HAPPY INDEPENDENCE DAY

What will happen next!

The honest answer is - nobody knows. But does this add anything to our battered portfolio or bruised ego or depleted wealth? Let’s not attempt to answer this! It’s so obvious.

Let me attempt to answer a few questions thereby clarifying a few doubts and providing a path for investors to navigate through these volatile times.

How long will this crisis last? How long will it prolong before the world starts working again with a ‘new normal’? One month / one quarter / 1 year / 2 years / 3 years? Let’s put the worst case scenario. Someone may even say forever or even never. If world is not going to recover ever than just do not even by green bananas or mangoes!

How much time will it take for things to become normal? Everyone has a different opinion. Medical experts are giving conflicting and pole opposite opinions. And this pattern of conflicting opinions is limited not just to Corona, but just about anything. Every person can go by their own forecast/predictions/scenario. Someone may say it will take 3 months for things to normalize, while others may say 3 years.

Once you come to a conclusion on that part, then the next thing to do is to add a little more time frame to it to be on a safer side. So people saying 3 months may plan for 1 year and those who say 3 years may plan for 5 years.

Investors need to keep liquid financial assets in the form of bank balances/ bank FDs/ liquid funds/ ultra- short term funds/ PSU bond funds/ AAA corporate bond funds. They can create a mix of these assets for the suggested time period from 6 months to 5 years.

Next question to be answered is that where will India be post the ‘new normal’? Will India be better off or worse off? If we believe India will be worse off, the question for businesses/ jobs/ real estate become more critical than investments. Let us focus only on investments for now. In that case, significant part of the portfolio has to be in gold, some part in international markets and the rest in top rated debt/ PSU bonds/ government securities!

If we believe India is going to be better off, which assets category can give us best returns? The answer is simple – that asset category which has corrected the most - Equity!

If we agree that equity is going to be the best asset category going forward then how does one go about investing?
One question that many investors have is - what will happen if I invest now and markets further correct in a big way? Or what will happen to my existing portfolio? It is already down. Should I exit now? If I do not exit then it may fall more.
Yes, both these possibilities do exist. The question is how much market can fall from these levels so as to give you comfort to invest now OR take money out now and invest again later.
Some may say Nifty at 8k, others will agree for 7k and some will predict as low as 6k for Nifty. I very honestly do not know the path. But will you invest even when Nifty reaches those levels? When Nifty was at 12k plus, many investors wanted correction to enter. But when correction actually does occur, do investors invest or become fearful? Just check your current mood to figure out the answers. We want sentiments and fundamentals of Nifty at 12k but want price at 9k. Let me tell you – we cannot get both!!

If you believe India will be better off and like me, do not know the path Nifty is going to take, then the best course will be to do the following:-
- sanitize your portfolio to either protect from further downside, or
- sanitize your portfolio to take advantage of potential market recovery,
- or both.
- invest your cash in the next 6 months to 5 years into equity on every fall.

Many investors are looking at experts for answers and all of us are at loss of words! We are always at loss of words but in bull market our cacophony sounds like melody!
Job of a good advisor is not to predict but prepare! Today is the most opportune time to prepare your portfolio for tomorrow!!!
Stay safe! Stay home! Predict never, prepare always!!!

Vijai Mantri on 30th March 2020

होली इस बात को रेखांकित करता है कि जो लोग पतझड़ को सहन कर सकते है वही लोग बसन्त का आनंद ले सकते हैं!

निवेश में भी वही होता है!

Holi tells us,only those who can live with fall and autumn can enjoy the spring!

Same with investment.

Wealth is just distance farther from temporary losses!!

- Vijai Mantri
CIS & Co Founder JRL Money

Dear Investors/Advisors,

It’s a pleasure to inform you that Mr Vijai Mantri, Chief Investment Strategist & Co-Founder will be live again on 04th April 2021 , Sunday from 11 AM to speak on investing in current market situations.

Why attend :-

1) How to approach current market - whether to invest more or start booking profits.
2) Where to invest in debt markets (FDs/ PSU Bonds / tax free bonds / equity arbitrage funds / liquid funds etc.)
3) What to avoid during current market situations?
4) How and where to invest in international markets.
5) One to one interaction with Mr Vijai Mantri, ask questions live
6) How JRL Money will add value to your portfolio!!!

Topic of the day :- Investing in Current Market Situations

Date :- 04th April 2021, Sunday

Time :- 11 AM onwards

Facebook Live Link :-https://www.facebook.com/649264535488729/posts/1235003110248199/
Youtube Live Link :- https://www.youtube.com/watch?v=CTORQPhTaJo

Regards,
Team JRL Money

May the canvas of your life be filled with colours of love, happiness, prosperity, and good health. Wishing you and your family a very Happy Holi.

Investor Psychology- Your Decision!!

A beggar need money now
A majdoor need it today
A salaried person need monthly
A business person need yearly

Real wealth is created by waiting for years with immense patience!!!

Big Money comes to those who can wait longer !!!

Your Money, Your Future, You Decide!!!

Vijai Mantri

Bull market

A bull market is the kind of market phenomenon where the prices of stocks which ‘I do not own’ keep rising!!!

Bear market

A bear market is the kind of market phenomenon where the prices of stocks which ‘I own’ keep on falling!

Market correction

Certain phenomenon which occurs very frequently the moment I have allocated money into equity!

Tip

The true value is known only in the reversal of the words ! ‘Pit’.

Regards,
Vijai Mantri
Chief Investment Stratgeist & Co- Founder JRL Money