Good morning my dear readers,

I am very happy to share that Blue Tokai opened their 100th Cafe this month.

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If you don't buy a ticket, you don't win the lottery.

*I am not asking you to play the lottery, let my clarify first 😅. It's just a figure of speech.

In other words, we can also say 'Fortune favours the Bold'.

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Sehwag swings a bat, ball takes outside edge, flies over slips, BOUNDARY.

Yes, that's luck, but one needs to be playing cricket in the first place to get that luck.

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Basically, taking the initial step of investing is very essential to get the financial rewards in the first place

Most of India is not investing. Well, not investing seriously anyway..and that's really disappointing if you ask me.

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One thing Indians need to learn from American households is to consistently invest their savings into equities.

Otherwise, Indians run a serious risk of missing out on India's Golden future.

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Get your Kids to learn about investing, atleast..

The earlier generation of Indians did wrong, since they had a bad time losing money in the markets, they always discouraged their kids from investing in the stock market, coining terms like Jua/Satta Bazaar etc (gambling).

Hence, there is a whole generation of educated Indian adults who even today, don't really understand investing, at all.

(The first question still remains, "market kya lagta hai?", followed by second question, "kya accha lagta hai?"). - whoever asks such questions, unfortunately hasn't yet completed their journey towards investing wisdom.

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But we need to ensure that our Kids do not fall into the same boat...

As early as age 7-8, start talking about the basics of investing.

By age 10-11, encourage them to understand business fundamentals by doing basic things...

(At a school fair, encourage them to make a basic lemonade stall, teach them how to tally costs of ingredients and how to calculate profits etc).

Talk to them consistently about everyday products like Maggi and that Nestle is a company which makes it etc.

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Warren Buffett started investing at 11yrs of age I believe and he said in an interview "I started at 11, but I think I started too late".

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I know many people say "Let kids be kids, enjoy life".

I agree to that, but what about the people who are hitting their 40s and have no financial freedom and very little savings..?

(There are too many people in this boat and I hate it, we MUST change this).

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We can easily ensure that our kids have an awesome life, and all it takes is that they are made to realize by their adults about how important is investing.

Sex education is very embarrassing in India, most adults feel shy about it.

Investing education for kids is even more non existent...

And after seeing a lot of heartache in people in 40s-50s, I would say investing education is also very important, if not as important as sex education.

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Maybe after I retire from active fund management in a few years, I will start a free investment school for kids, especially under privileged kids.

I think this would be my calling..to teach, for free.. after fund management.

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Coming back to the point my friends, think about this, seriously.

Firstly, we ourselves must do regular SIP, not worry about short term market moves, just keep invested for long periods, believe in India.

(Get away from noise/don't ask for tips etc, only invest for long term).

Second, more importantly, lead by example and start talking with your kids about investing / business economics in a very basic way.

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I recently went to my son's school (7yr old), and created a fun investment club for their grade 1 class.

Divided them into 3 teams, asked them what's their favourite products, gave them suitable companies which make those products and every Friday, their teacher updates the stock price of those companies.

(As you may have guessed, one of the teams selected Maggi and Nestle 😅).

At the end of the term, whichever team's stock is up the most, I have promised them a chocolate party.

*Ofcourse, I will give chocolates to all of the class 😺...because in life, if they understand this, they will all end up as winners.

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Sorry, newsletter thoda long hogaya aaj 🫣.

Btw, I'm in Japan and I'm exhausted, please forgive the emotions and grammatical errors.

Here to recharge my batteries, meditate and think afresh.

The Japanese are a wonderful people and culture. Simply too polite and respectful.

(Japan, a must visit).

My Best,

Neil Bahal

Maggi Lover

Negen Capital

Ps- I have no personal nor fund level holding in Nestle. It was just used as an example. It's not to be considered as investment advice.

Disclaimer: This newsletter prepared by Negen Capital Services Pvt. Ltd (Negen) is for educational and information purposes only. Negen is a SEBI registered Portfolio Manager and acting as an Investment Manager to AIFs registered with SEBI.

While the newsletter discusses just general market insights and past case studies, still, the investments in stock market have very high risk which can result in losses including loss of principal. The companies referred (if any) in the newsletter are only for informational purposes. Negen does not recommend to subscribe to the securities of any of the companies referred in the newsletter. The readers are always advised to independently evaluate and/or consult their financial advisors before making any investment.

No one has paid us to write this newsletter.

No representation or warranty, implied or statutory, is made as to the accuracy, completeness or fairness of the contents and opinion contained herein. The information can be no assurance that future results or events will be consistent with this information. Any decision or action taken by the recipient based on this information shall be solely and entirely at the risk of the recipient. Negen or its employees or directors are not responsible for any decision taken by the recipient. Again, investing in equity market has very high risk which may also result into loss of principal amount. The recipients shall read respective Fund documents carefully beforev investing.