FAQ or FOMO

Hi Everyone, I hope all of us doing great in both wealth and health terms. Here in this post, I wanted to discuss about the recent questions that I got from few of my known circle with whom I discussed with Money. To make it simple, I am breaking the most asked question and FOMO (Fear of Missing Out). Let’s discuss them one by one. Topic of discussion: 1. FAQ (on buying or adding unlisted Equity shares) 2. FOMO (is all about growing faster or in short Span of time). 1. FAQ: As I have shared the steps or method to buy or invest in unlisted shares as I mentioned in my earlier blog. https://divaakaruguptha.blogspot.com/2023/12/pre-ipo-buying-in-equity-market.html Now, comes the discussion, Few people from known circle bought HDB shares in unlisted market between 700-800 and it raised up to 1200 before IPO, but in IPO it is getting sold for 700-740, now for the people who bought between 700-800 will in slight loss based on IPO price, I wanted to discuss on the people who bought it above 1000, again they will be loss, I have clearly told them I haven't invested in it from unlisted shares. When I buy any equity shares I do fundamental and Technical analysis based on my knowledge, I hold them with Grit, the broker I use supports the trigger to sell shares at my target, the moment I bought the shares, post it got credited to my account I will place the sell order for one quantity.so I will get notified through e-mail and brokerage app notification, so I can book profit on next day of target notification and I will look for other/fresh chances for investment. The point I am trying to make here is exit strategy is equally important as enter strategy. I weight them equally always, so I don’t need to be in fear at any time (as I won't be able to watch screen very often). During my initial days of big money (anything above 1000 is high money for me and still it is same) investment because I started just an year or few ago Corona crisis, I have seen 90% of drawn down in invested portfolio, still I accumulated few equity shares and mutual fund units. From then I didn't stop , I started reaping the benefits and moving them to emergency fund (I understood the value of emergency fund in hard way, so I am giving higher importance to it).

Even as of Today in Tata Tech which I have bought in unlisted market is still in loss, but I keep holding it at least for 5-10 years. so even if all of us have same understanding, we can do so. Only upper hand we will have in adding or buying from unlisted market: Higher % of chance for Equity allocation. Other than that, we will get dividend, right issue access and bonus issues too as we have it in normal market. Again, based on the deep of our risk-taking ability we can decide , as I leave it up to individuals. FOMO (Fear OF Missing Out): I always say that we should never invest in any assets in FOMO. I bring this point as people are asking that I have Lump sum money, can I invest it in Gold or Equity or MF. As there are many things we hear and see on social media platform. People on social media, never let us know about the following things. Equity buying: STCG (Short term Capital Gain Tax) as we need to pay 20% tax on our profit to govt if we book profits with in less than a year and LTCG of 12.5% tax on profit post 24 months, some people are in the assumption that till they declare it govt how they know but they know about if through from PAN, we can see each and every financial activity through From 26-AS.

Buying Gold physical or in demat: People who are planning to buy physical or Gold ETF we need to pay STCG if we sell it less than year of timeframe and LTCG : when we buy physical gold we pay minimum 3-5% as GST but when we sell it buyers usually buy minimum 50-100rs less than the market price post factoring all events we end up with profit of 200-500rs for each sovereign of Gold. This post was intened to publish somewhere in second half of 2025, due to various reasons, I couldn't make it. Mutual funds: AS Equity and Gold Mutual fund has its own advantage and disadvantage of exiting or while selling. I am trying to list down most of them based on my knowledge. 1. Exit load (some % of invested money if we are selling it within a year and % depend on fund house) 2. Expense Ratio - yearly fee charged by a mutual fund company to manager our money which is the range of 0.2% to 1.5 % based on the funds. 3. Tax (15% for STCG and 12.5% for LTCG) 4.Timing, the time when we are trying to exit if the market is down then it is like we are buying it for higher NAV price and selling it for lower NAV price. 5. Indexation benefits have removed for post 2024 for few Mutual funds. 6. Big advantage we have is under a given PAN, we can book 1,25,000 worth of profits at any given financial year with tax exemption for this big win we need to give time for our investment to grow, now a days young generation don't have this time to wait some time, even same age for elder people don't have this time. Always Time is a big factor to grow our money.

Final Conclusion: 1. Avoid short span investment to avoid FOMO. 2. Give time to our money or investment to grow. 3. Understand risk in our investment based on our risk-taking capacity. 4. Based on my time availability, I will scontinue to share my experience.