Know your duty before your returns.
Emergency fund. Insurance. Written goals. The unglamorous foundation every temple stands on — and every portfolio skips.
SEBI-registered investment adviser
The Gita taught detachment. Omaha taught patience. Baba teaches you to finally use both — on your portfolio.
The pravachan
Markets are maya.
Your SIP is your sadhana.
A WhatsApp tip is not prasad.
Volatility is the universe asking,
did you mean it?
Three paths
Old Indian ideas, said in the language of the balance sheet. Turns out the rishis and the value investors were saying the same thing.
Emergency fund. Insurance. Written goals. The unglamorous foundation every temple stands on — and every portfolio skips.
Compounding rewards whoever can sit still the longest. Baba has been sitting still for years. It works.
Then decide. Between the market's mood and your next trade there is a small, quiet gap. Baba lives in that gap.
“The stock market is a device for transferring money from the impatient to the patient.”Warren Buffett
Baba's translation
धैर्य रखो, बेटा।
Keep patience, child.Parables from the ashram
Fourteen WhatsApp groups. Thirty-seven stocks. Bought a “sure-shot multibagger” because a stranger sent three rocket emojis.
One written plan. Five holdings he can explain to his wife. Now forwards only good-morning flowers.
Heart rate synced to Bank Nifty. Every Thursday an expiry; every Friday a resolution to quit.
Still meditates on Thursdays. Just not on the option chain.
Everything in fixed deposits since 1991. Inflation has been quietly eating his prasad for thirty years.
An allocation that respects his age and his blood pressure. Still loves FDs — just not exclusively.
Illustrative composite characters, not client testimonials. No returns are implied or promised.
Sutras
Bull market: everyone is a guru. Bear market: everyone remembers Baba.
Check your portfolio less often than you call your mother.
When a tip arrives with three rockets, your money leaves with the fourth.
Timing the market is guesswork. Time in the market is tapasya.
Compounding is a miracle that only works if you stop interrupting it.
Be greedy only for knowledge. Be fearful only of leverage.
Behind the robe
Under the saffron is [Full name], a SEBI-registered investment adviser with [XX] years in Indian markets. No miracles. No hot tips. No guaranteed returns.
Just a lot of reading, a long memory of every crash since [year], and the patience to sit beside you through the next one.
Begin
Thirty quiet minutes about your money. No tips. No hot stocks. Only clarity.
Fee-only advice from a SEBI-registered investment adviser.