Mastering the Stock Market: Insights for Generational Wealth | Parang Mehta | TEDxChristUniversity
Summary
TLDREl orador comparte su experiencia de 9 años como trader y su metodología para crear riqueza generacional en el mercado de valores. Expone la importancia de diferenciar entre ingresos y riqueza, y cómo invertir en pequeñas y medianas empresas (small cap y midcap) puede multiplicar la riqueza de manera exponencial. Destaca la necesidad de ahorro, investigación y toma de decisiones rápidas para aprovechar las oportunidades de inversión en sectores emergentes, como la gestión de residuos y la infraestructura, para alcanzar una verdadera riqueza a largo plazo.
Takeaways
- 😀 Crear riqueza intergeneracional a través del mercado de valores requiere de una estrategia adecuada y expectativas claras.
- 😌 El mercado de valores es descrito como un 'taller de dinero' donde se puede generar mucho dinero si se hace bien las cosas en el momento adecuado.
- 🤔 La complejidad de las finanzas y el trading se intenta simplificar para que todos puedan entender y participar en la inversión.
- 📊 En India, menos del 5% de la población invierte en el mercado de valores, lo que indica una gran oportunidad para el crecimiento y la educación financiera.
- 💡 La diferencia entre ingresos y riqueza es fundamental para entender el proceso de acumulación de riqueza y la importancia de invertir en lugar de solo ahorrar.
- 📉 Los ingresos son periódicos y dependen de habilidades y profesión, mientras que el control de los gastos es una función de elecciones personales y es crucial para maximizar los ahorros.
- 💰 La inversión en pequeñas y medianas empresas (small cap y mid cap) puede ser una forma de multiplicar la riqueza, a diferencia de los depósitos a plazo fijo que solo mantienen el estado actual.
- 🚀 La elección de las empresas en las que invertir es crucial; buscar aquellas que estén en etapas tempranas de crecimiento y que puedan dominar su sector en el futuro.
- 🔍 La investigación y el análisis de las finanzas de las empresas, como ventas, márgenes y ganancias, son esenciales para identificar las 'joyas ocultas' del mercado.
- 🏁 La toma de acciones rápidas es fundamental; la edad y el tiempo son factores clave en el poder de lacompounding y en la creación de riqueza a largo plazo.
- 🌟 Invierte en el futuro, no en el pasado; busca sectores en crecimiento y empresas que puedan ser los líderes del mañana.
Q & A
¿Qué es la riqueza generacional y cómo se puede crear a través del mercado de valores?
-La riqueza generacional es la acumulación de activos y recursos que se pueden transmitir a las futuras generaciones. Se puede crear a través del mercado de valores invirtiendo en las empresas correctas en el momento adecuado y con las expectativas correctas, lo que permite multiplicar la riqueza a lo largo del tiempo.
¿Cuál es la diferencia entre ingresos y riqueza según el discurso?
-Los ingresos son lo que se recibe periódicamente, como un salario, y están destinados a cubrir los gastos y el estilo de vida. La riqueza, en cambio, es la acumulación de ingresos y se crea al invertir los ahorros en el lugar adecuado.
¿Por qué el orador sugiere que el mercado de valores es un 'taller de dinero'?
-El orador sugiere que el mercado de valores es un 'taller de dinero' porque es un lugar donde se puede generar una gran cantidad de riqueza, siempre y cuando se realicen las operaciones adecuadas a la vez y sean conscientes de los riesgos involucrados.
¿Qué porcentaje de la población en India invierte en el mercado de valores según el discurso?
-Según el discurso, menos del 5% de la población en India invierte en el mercado de valores, lo que indica que la mayoría de las personas aún no ha comenzado su viaje de creación de riqueza a través de los mercados.
¿Qué tan complicado es el trading, invirtiendo y finanzas según el orador y cómo planea simplificarlo?
-El orador menciona que el trading, invirtiendo y finanzas son muy complicados. Para simplificarlo, él ha creado una empresa con el objetivo de hacer que el trading e invirtiendo sean más accesibles para todos, tratando de descomplicar estos temas y proporcionar soluciones y visiones claras.
¿Por qué la mayoría de las personas no logra entender la fórmula simple de ingresos - gastos = ahorros?
-Según el orador, la mayoría de las personas no logra entender esta fórmula porque son perezosas, tienden a ser impulsivas y desean todo de inmediato sin estar dispuestos a hacer el trabajo necesario para gestionar sus finanzas adecuadamente.
¿Qué tan importantes son los ahorros para la creación de riqueza y por qué?
-Los ahorros son cruciales para la creación de riqueza porque son el punto de partida para el efecto multiplicador de la riqueza. Si se reducen los gastos mientras se mantienen los ingresos, se pueden ahorrar más recursos que luego se pueden invertir para aumentar la riqueza.
¿Por qué el orador considera que invertir en pequeñas y medianas empresas (small cap y mid cap) es una de las formas más subvaloradas de multiplicar la riqueza?
-El orador considera que invertir en pequeñas y medianas empresas es una forma subvalorada de multiplicar la riqueza porque estas empresas están en etapas tempranas de crecimiento y tienen un mayor potencial de rendimiento que las grandes empresas establecidas, lo que puede resultar en retornos mucho más altos.
¿Qué ejemplos da el orador de empresas que han demostrado altos rendimientos en el mercado de valores?
-El orador menciona empresas como TBZ, Kalan Jewellers y Titan, donde Titan ha dado un rendimiento de alrededor del 36%, Kalan ha dado un rendimiento del 167% y TBZ ha dado un rendimiento cercano al 61% en un año.
¿Qué estrategia sugiere el orador para identificar compañías con potencial de crecimiento en el mercado de valores?
-El orador sugiere que los inversores deben investigar y pensar más allá de las compañías populares. Deben buscar temas y sectores emergentes, investigar en línea y usar herramientas estructuradas para encontrar joyas ocultas que puedan multiplicar su dinero.
¿Qué importancia tiene la toma de acciones rápidas en la creación de riqueza generacional según el discurso?
-Según el discurso, la toma de acciones rápidas es crucial para la creación de riqueza generacional porque el tiempo es un factor importante en la inversión. Comprender y actuar rápidamente puede aprovechar el poder de lacompounding y aumentar significativamente la riqueza a lo largo del tiempo.
Outlines
😀 Creación de riqueza intergeneracional en el mercado de valores
El orador introduce el tema de la generación de riqueza intergeneracional a través del mercado de valores, compartiendo su experiencia como trader durante 9 años. Expone cómo, después de 5 años de fracaso, descubrió que el mercado de valores es un lugar para generar riqueza si se invierte de manera adecuada. El orador enfatiza la importancia de simplificar las inversiones y la complicada naturaleza de las finanzas, y presenta su misión de enseñar a la gente a crear riqueza a través de las acciones, comparando las tasas de inversión en el mercado de valores en India, China y América.
💼 Diferencia entre ingresos y riqueza
El orador profundiza en la distinción entre ingresos y riqueza, explicando que los ingresos son periódicos y cubren los gastos y estilo de vida, mientras que la riqueza es la acumulación de ingresos a través de ahorros inteligentes. Destaca la importancia de comprender la fórmula simple de ingresos - gastos = ahorros y critica a la actitud de los humanos frente a ella, proponiendo que una comprensión adecuada puede acelerar significativamente la creación de riqueza.
🏦 Importancia de los ahorros y la inversión en el mercado de valores
Se discute la importancia de los ahorros como punto de partida para la multiplicación de la riqueza y cómo la poca capacidad de ahorro en la India es un problema. El orador menciona que la mayoría de los profesionales no logran mantener dinero después del 20° del mes. Luego, critica la actitud de los inversores que optan por rutas seguras como los depósitos a plazo fijo, y presenta el mercado de valores como 'la fábrica de dinero', donde se puede generar riqueza significativa si se invierte sabiamente.
🚀 La potencia de las inversiones en pequeñas y medianas empresas (SMEs)
El orador enfatiza la importancia de invertir en pequeñas y medianas empresas, que están en una etapa de crecimiento y ofrecen mayores retornos. Comparte ejemplos de empresas de joyería y muestra cómo las inversiones en estas empresas han dado retornos mucho más altos que las inversiones en grandes corporaciones establecidas. Argumenta que para crear riqueza intergeneracional, es necesario encontrar y invertir en las próximas grandes empresas antes de que su crecimiento se haga evidente para el resto del mercado.
🔍 Identificar y actuar en las oportunidades de inversión
El orador presenta un caso de estudio de una empresa de productos sanitarios que aprovechó el tema de la higiene para crecer exponencialmente. Ofrece consejos sobre cómo identificar compañías con potencial a través de sus ventas, márgenes y ganancias. El orador anima a la toma de acciones rápidas, señalando que la mayor parte de los inversores indios comienzan a invertir tarde y pierden el poder de lacompounding. Finalmente, motiva a la investigación y a la identificación de sectores emergentes para encontrar joyas ocultas en el mercado.
🌟 Conclusión: Encender las luces en la inversión
El orador concluye enfatizando la importancia de la acción inmediata y la necesidad de tomar decisiones de inversión inteligentes para crear riqueza intergeneracional. Agradece a la audiencia y les desea éxito en su travesía financiera, esperando haber iluminado su camino hacia la riqueza a través de esta charla.
Mindmap
Keywords
💡riqueza generacional
💡mercado de valores
💡rendimiento
💡pequeñas y medianas empresas (SME)
💡inversión de riesgo
💡ahorro
💡inflación
💡compuestos
💡inversión inteligente
💡temas de inversión
Highlights
The speaker has 9 years of trading experience and aims to simplify trading and investing for everyone.
Stock market is described as a 'factory of money' where one can make a lot of money with the right approach.
In India, less than 5% of the population invests in the stock market compared to 56% in China and 74% in America.
The importance of understanding the difference between income and wealth for wealth creation is emphasized.
Income is periodic earnings, while wealth is the accumulation of income through smart investments.
The speaker argues that most people fail to understand the simple formula of income minus expenses equals savings.
Savings are crucial as they are where the multiplication effect of wealth begins.
Indians are portrayed as poor savers, with a shocking statistic that 75% of working professionals do not save money.
Investing in the stock market is equated to investing in a 'factory of money' where money is manufactured daily.
The speaker guarantees that understanding and investing in the stock market can define one's financial future.
Fixed deposits and mutual funds are considered safe but not the best for wealth creation compared to the stock market.
The real inflation rate is believed to be around 15%, and investments must outpace this rate to maintain wealth.
Investing in small cap and midcap companies is highlighted as an underrated method for wealth creation.
The speaker provides a case study of investing in a hygiene-related company that led to exponential wealth growth.
Investing in future-oriented sectors such as waste management, infrastructure, and luxury consumption is recommended.
The importance of researching and finding hidden gems in the stock market is stressed for wealth creation.
Taking action quickly is crucial, as the earlier one invests, the more they can benefit from compounding.
The speaker concludes by hoping to have sparked the audience's vision and hunger to create generational wealth.
Transcripts
all right welcome everybody once again
and uh my topic for the day is uh how to
create generational wealth from the
stock market so I have been a Trader for
the last 9 years I failed for the first
5 years of my life lost a ton of
money wasted a lot of time and then
eventually figured out that stock market
is a place it's a factory of money you
can make a lot of money provided you're
doing the right thing at the right time
with the right expectation so today uh
with 9 years of trading experience I
started my own company trying to
simplify trading and investing for
everybody because I know trading
investing Finance it's very complicated
uh you know we try to make things fancy
and at the end of the day no one really
knows what's going to happen tomorrow in
the markets so what what I've tried to
done I tried to do is that uh I'm trying
to give you a solution and a vision on
how can you create generational wealth
from the stock markets and how whatever
I have learned in my entire 9 or 10
years of trading experience I've just
UND OD that if you want to make a lot of
money and if you want to truly create
wealth stock markets are the way to go
but in India there are some interesting
facts that I'm going to tell you in
India less than 5% of the population
invests in the stock markets if you
compare this number to to China where
56% of population invests in the stock
markets and compared to America where
about 74% people invest in the markets
India has not even seen the stock
markets Indians Indians have not even
seen wealth creation Journey uh to start
from the market so it's really important
for you all and I think for everybody to
really understand how to really create
generational wealth because a lot of
people invest in the markets but they
don't end up making money like they
don't end up creating the wealth that
I'm talking about because I am talking
about a lot of money so let's get
started and let's try to First
understand what is the difference
between income income and wealth now
this is where the game starts income is
something that you get periodically
right your salary maybe your
professional fees or anything that you
do by trading in your time right so you
give time and then salary gets credited
into your bank account so income is
something which is going to take care of
your expenses it's going to take care of
your lifestyle Etc and then there's a
very simple formula which I think
everyone knows that income minus
expenses is equal to savings and mind
you
95% of all human beings fail to
understand this one simple formula and
I'll prove it to you because human
beings are lazy they're stupid and they
want everything but they don't want to
do anything and that is exactly what I'm
trying to prove it to you on how a
simple process and simple understanding
as students of business you guys can
literally accelerate your financial
wealth by at least 50 15 to 20 years by
just being smart right you don't really
have to go to the biggest investment
banks of the country you just have to be
a little
smart on the contrary wealth is an
accumulation of income and wealth is
created by putting your savings in the
right place now income can get you all
of
this the screen is gone I think okay so
income can basically get you your
iPhones it can get you brand stuff and
income is basically going to get you
everything that you want right here
right now and all of these expenses mind
you are not taking you anywhere on the
contrary wealth can get you stuff which
is serious money so if if I talk about
uh you know an iPhone or a good shoes or
a pair of good belts anyone can have it
any bloody person can have it in the
world but 10 years down the line would
everyone have the money to buy a house
or maybe a good car or maybe establish
themselves for their next 20 30 years
maybe the retirement that is the
difference on if you are smart with your
money in your 20s you're going to be
really really ahead of everyone in your
40s so let's try to understand this from
a mathematical perspective so income
minus expenses are savings now income is
a function of your skill your knowledge
time and the profession that you are in
so if you're a doctor if you're a lawyer
if you're a MBA in finance or if you're
a CA your income is going to depend on a
lot of factors which you may not have
full control of that means you have
partial control on your income now let's
come to the second part of the equation
which is
expenses expenses are a function of your
choices and you have full control of
your expenses that means if you can
reduce your your expenses and your
income stays constant you're going to
save more money and why is saving
important because savings is where your
multiplication effect of your wealth is
going to start Indians are horrible
Savers this is a study conducted by
Times of India in
2021
75% of all working professionals making
less than 1 lakh rupees a month do not
have money left after 20th of the month
it's a very shocking fact people are
going to buy iPhones on emis cars on
emis every single thing is on Emi every
single thing is on credit that means for
you to take control of your finances and
for you to take control and really
create wealth you need to have this
savings component and you can do two
things with savings you can invest to
multiply or you can keep to destroy
it now now even if you decide to invest
your money where do you do it you do it
in a place called the stock market or
the factory of
money this is a place where money is
manufactured every single day in every
country for everybody but only a few
actually make money from it why because
people try to take stock markets or the
financial markets for that matter very
lightly and I'm here to give you some
serious is answers to a few questions
that you might
have if you decide to invest your money
and this is going to Define how you
approach the markets from today onwards
that is my guarantee to you if you
decide to invest your money you can
either reduce your existing wealth you
can maintain your existing wealth or you
can create exponential wealth now
majority of Indians are doing the first
thing they're putting their money into
fixed deposits which it's going to heal
them 7 8% they're going to feel safe
they're going to feel happy 10 years
down the line you're not going to be
able to buy something that you can buy
today with let's say 1 lakh rupees after
10 years why because the silent killer
inflation is killing your money now a
lot of people have this misconception
that inflation is 5% 6% this is the
inflation for tomatoes onions and
cauliflower which you and we will never
even go and buy the real inflation is
lifestyle inflation the iPhone that you
bought yes last year today it's 20%
expensive the flight that you traveled
in the hotel that you went in the cup of
coffee from Starbucks everything is
going up by an average of 15% so for me
I feel real inflation is 15% so your
money has to compound faster than 15%
for you to stay where you are today so
Banks or fixed deposits are clearly not
taking you anywhere it's going to
basically reduce your existing wealth
now if you are doing mutual funds say
you are not really doing a great job my
friend I mean this is a very contrary
opinion you are going to invest your
money in mutual funds they are going to
create wealth for you but you're still
maintaining your existing wealth you're
not really doing
wonders and the last thing which is a
question mark you invest here and you
create exponential wealth this is where
you literally Skyrocket your journey of
person
finances Now 1 lakh rupees invested for
10 years in a bank FD is going to
basically yield you 1.96 lakhs after 10
years mutual funds are going to give you
some six lakhs and the secret thing that
I'm going to be talking about uh in the
next few minutes it's going to yield you
20 lakhs now if you see the difference
of
choices a single choice of playing safe
when you had the opportunity to take
risk you guys are 20 year old right 20
21 22 Maybe 20 maybe 25 you guys have 30
years of investable age left take risk
if you're not going to take risk today
you will be forced to take risk when you
can't afford to I can see a lot of 50 60
year olds trying to now get into Futures
and options they want to take risk now I
mean it's too late right so it's the
it's the right time for you to
understand that there is some investment
Style there is some way where you can be
bloody smart with your money and
accelerate your multiplication rate you
can literally take the power of
compounding in your hands now how do you
do that small cap and midcap investing
now this is one of the most underrated
things and let me just quickly explain
in 30 seconds of what small caps and
midcaps really are so you can see three
companies over there one is tbz all
three are jewelry companies number two
is Kalan and number three is T so I'll
just quickly ask have you heard about
tbz ever in your life please raise your
hand have you heard about Kalan dwellers
ever in your life please raise your hand
have you heard about tanishk please
raise your hand I think everybody right
so tbz is a small cap company they are
worth about 900 cror Kalan jewellers is
worth about 30 to 40,000 cror it's
called a midgap meaning this company is
in its stage of growth it has proven
some growth elements and now a lot of
growth is still left and then Titan or
tanishk is where they have already
captured every single piece of growth
possible on the planet Earth and now
they're ready to conquer and
expand majority of Indians are going to
invest in Titan but the party is over
Titan has created wealth for people who
thought Titan would be Titan today 15
years back you in the markets are not
going to get rewarded
for the past you're going to get
rewarded when you take risk for what is
about to happen in the future let's look
at the return comparison of all of these
three names in the last one year from
January 2023 till December 4th
2023 Titan has generated a return of
about
36% Kalan has given a 167% return and
tbz has given somewhere close to a 61%
return what does that mean tbz and Kalan
are going to grow faster than Titan they
are more riskier than Titan and hence
you're going to get rewarded by Titan
now if you look at the maximum tenure of
all these three stocks it will blow your
mind Titan has generated
81,7
15% returns for people would put in
money in the year 2000 when Tanish was
not even born
Titan was only selling watches and only
in 2005 is where they invested and they
started Tanish or a jewelry brand
because they understood one very simple
thing Indians are getting richer Indians
are making more money gold is very
important simple
stuff so the point over here is if
you're going to invest in Titan today
and if you expect yourself to create
generational wealth I'm so sorry that's
not happening you have to invest in
Titan you have to invest in stocks which
have done historically well but your
major chunk of wealth is not going to
come from these stocks do you agree
please raise your hand the stocks which
have completed their journey of growth
if as students of finance and as gen Z
if we going to invest in those old stale
companies they might be good they might
even make you
money but for you to 100x your money you
need to find the next Titan and that is
what we're going to be discussing in the
next couple of minutes now this is
Indian J favorite stocks right so if you
ask anybody on the planet which stocks
have you invested in you will see these
names Reliance TARTA Motors ICI bank
infosis baj finance do you agree with me
please raise your hand these are the
stocks that you would probably go open
your zeroda grow demat account one lakh
invested in these stocks for 5 years
would yield you 2 lakhs 4 lakhs to and
around somewhere between two and a half
lakhs on an average the so-called Blue
Chips these companies are again at a
maturity stage they've done what they
wanted to now this is 90% of Indian
investors 90% Indian investors are going
to have these stocks in their portfolio
so what are the other 10% doing let's
compare these are the Indian
VIPs people who know how the the market
Works money 1 lakh rupees invested for 5
years in these five
stocks 88 lakhs in Vari renewable energy
what is the theme Here renewable energy
did you not know 5 years back that clean
energy and renew renewable energy is the
future did you not know
that we did did we take action no now
you see xro India you you see PG Electro
plus so all of these companies are just
starting off their growth journey and
one lakh invested in either of these
five or six companies and there is a
long list of about 50 companies who've
created exponential wealth just compare
yourself you invest 1 lakh rupees in
Reliance after 5 years you're left with
2 lakhs after 5 years your iPhone is not
going to come in 2
lakhs but if you just research a little
and just be a little smart about about
your
money you can exponentially increase
your wealth to maybe any of these
numbers let's take an average of 40
lakhs you're basically multiplying your
money by 40 times in 5 years by
investing in companies which are nothing
today but they're going to become the
Titans the Reliance and the baj of the
world after 5 years so what do you have
to do you have to research you have to
understand how India is growing we are
in India's Golden Era the next two
decades are for India and this is a list
of five stocks I guarantee in the next 5
years we will have a list of over a
thousand stocks which have created such
wealth but if you are still stuck to
mutual funds fixed deposits savings
account all of that jazz you are not
going to create exponential wealth I
again come back to the same place the
stock markets are a factory for you to
multiply your money now in this Factory
if you go in the safe Direction you're
going to make money you're going to
maintain your lifestyle but you're not
going to get wealthy I'm talking about
you being Filthy Rich for you to be
Filthy Rich you have to do things
differently so how many of
you are Risk Takers from the statistics
that you've seen now I'm not saying put
your own house at risk but I'm saying
let's just risk some amount of your
invest ible capital in trying to
multiply and compound
it let's take a case study and this is
where I break down the framework of how
do you identify such companies this is a
company called Sarah sanitary wear have
you heard about this
company so they basically have these
wash basins sinks and basically washroom
stuff right so the theme was
hygiene in 2006 there's an investor
named named Mr Vijay Kia he invested
thinking just very once see his his
rational to invest in this company was
very simple Indians are going to be more
hygienic in
life and he thought that we all had
these Indian WC's how many of you have
seen old houses with Indian
WC's that transition had to happen and
he had a very simple formula this
company could basically take advantage
of that so the theme is hygiene the
sector was sanitary wear and the product
type was mass Market brand very cheap
stuff right which India could consume 1
lakh rupes invested in
2011 is rupees 2.4 cres in 2024 this is
what you
call exponential advancement in your
wealth you did not do anything except
buying that the factory was run by the
founders the promoters everything else
was done automatically you are a king
you're an emperor if you invested in
this company and took advantage of this
entire creation of wealth so how do you
really understand whether a particular
company that you are researching or the
midcap small cap investing that I'm
talking about how can you really get
into that you just look at their numbers
and if you look at these three numbers
I'll share the slides with you later the
sales the margins and the profits this
is what is the language a company
communic at to an investor and it's your
responsibility to have a look at these
numbers periodically for companies that
you are
scouting so Sarah was basically one of
the examples where 177,000 per returns
were generated for investors Titan is
another example and there are so many
other examples which can create
generational wealth for you so how do
you really create generational wealth
that's the question number one invest in
the future future not the past don't be
a ordinary person go beyond right try to
find which other the new sectors I'll
give you some names right India is very
dirty how many of you agree India is
very dirty India needs a lot of Waste
Management that's going to be the future
India has a lot of infrastructural
problems just look at your Bangalore
roads right a lot of Po holes here and
there India needs a infrastructure
revamp India needs a lot of luxury Rec
consumption all of these are the themes
for the future and it's your
responsibility to figure out which
companies will ultimately dominate so
invest in midcaps and small caps don't
just invest in every other company that
your friend your family members are
investing in number two research think
and go beyond put your Google baba to
work and find these hidden gems there
are structured ways in which you can do
that on the internet you'll find it you
can connect with me offline I'll help
you do that the theme the industry and
the earnings TI i e these are the three
major Elements which will enable you to
invest in companies that can literally
explode your
wallet number three and this is the last
one take action quickly you are already
very late a lot of Indians are investing
probably post 26 27 years of age your
very late very very late 7 years of
compounding is as good as 20 years of a
person working for a company with a 15%
increase every year so you have to take
action and you have to take it
today so I would like to conclude by
saying one very simple thing many people
are in the dark when it comes to what to
do with money um you know they're very
shy I don't know what to do they are
confused and today
I hope I've turned on the lights and
sparked your vision or your hunger to
create generational wealth thank
you
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