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Know 5 Effective Mantras for Your Financial Fitness Today

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Looks like coronavirus will be a part of our lives and we may have learn to live with it. Come winter and we have a new variant Omicron making thousands ill with numbers growing every day. Whether you are back to working from home or going to office on alternate days, forgetting your resolutions is a Big No.

Like improving your health, and being fit are part of your to-dos, you must add financial independence to that list too.
To all those who want to stick to their plans made at the beginning of the year, here’s our guide to your physical and financial fitness.

We are sure you will enjoy reading this chapter as much as we did while writing it.


Ogling a video or poster won’t help you get Disha Patani’s perfect body or Tiger Shroff’s rippling muscles. You’ve got to sweat it out to develop that kind of fitness. Select any approach you want – pump iron, swim, run long distances, cycle challenging terrains or anything that gives you a kick. The key is to be regular and consistent. . Don’t expect miracles overnight; they are neither possible nor healthy. Give your best shot every day, and watch the miracle unfold gradually.

The plan does not differ much with your portfolio investments either. You won’t make money if you admire star investors’ portfolios. You must work towards building a formidable portfolio yourself. And it takes time. You must study businesses, talk to managements, customers, suppliers, dealers, fellow analysts, do channel checks, study company’ financials and check corporate governance issues (if any). There is a lot of hard work that goes behind building a portfolio of stocks that will compound your wealth year after year. There’s no shortcut here.


Fitness is not a weekend job, nor is it one-dimensional. Youmust exercise regularly, regulate your diet, get adequate sleep, handle stress effectively, and juggle between work and personal commitments. None of these can take a backseat; not even for a while. You must be consistent with your efforts, patient with the results, and persevere despite obstacles.

Your equity portfolio also demands a regular regimen of reading, researching, and discussions with your financial advisor. . It’s not every day you come across a stock that qualifies as a multi-bagger. If your portfolio does not underperform the benchmark indices, you’ve made a start. And, if you can beat the index, you’re improving.  If you can do that year after year, you’ve become a pro. The whole journey takes time, effort, and commitment from you, but the results will be gratifying.



There will always be miracle drugs available to instantly boost sports performance or muscle growth. Don’t fall for any of these “miracles”. They are dangerous and will only ruin your health over the long- term. Real fitness comes from actual practice and actual exercise; not through shortcuts.

Similarly, wealth creation doesn’t happen when you follow sure-shot tips, or “chase momentum, or run after penny stocks. You build wealth by giving time to your investments. As a famous saying goes, “Time in the market is more important than timing the market”.



While you will stick to your fitness plan as much as possible, there will be days when things will go “off-plan”. This could happen due to health reasons, personal/professional commitments or numerous other reasons. It’s okay, and it’s expected. The key is to get back to your regimen as soon as possible.

You may need to withdraw some of your equity investments, which were meant for the long term, for unforeseen reasons. Secondly, you may not be able to invest for a few months due to liquidity demands elsewhere. The key is to get back to the investing as soon as things normalise. Abraham Lincoln famously said, “It’s not about how many times you fall, but how many times you get back up”.


Without a doubt you have to do all the heavy lifting yourself. However, getting an expert to coach you can help a lot. I can personally vouch for this – as an aspiring marathoner a decade ago. My performance picked up as soon as I joined a running group trained by an expert coach. There are other benefits as well – you meet new people, learn from their experiences, and make new friends.

In your wealth creation journey through equity, you should be vigilant regarding your investments and decide on the financial risk yourself. However, you can always hire experts (like us at Research and Ranking) to handhold you in your wealth creation journey.

We don’t promise miracles or overnight success. We do promise a disciplined and effective way of long term wealth creation.

We hope you make use of the 5 Effective Mantras we’ve shared with you today. If you like this article share it with your friends and fellow investors.

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