While we all want to live in the present what we cannot deny is the inevitable future and all that it holds for us. Health, education, family, vacations, marriage, childbirth, careers, and aspirations are just few of the many events we all aspire to truly relish. But the monks and life coaches of todays world consistently ask us to live in the present.

This sounds perfectly fine till we are speaking positively for above-mentioned life events. Now take a step back on think about bad health, missed college degree due to paucity of funds, unaffordable vacations, being fired from a job, no health insurance. Life coaches and monks have no strategy for this. Period.

Relax and take a deep breath. Idea here is not to scare you but to get you AWAKENED.

While the next phone, next vacation, those bar trips, and the new car is all we need we also must make sure the pave a strong foundation for our future goals. Fixed goals. Static ones. Ones that don’t change every fortnight. And hence the “Moving goal post problem”.

Imagine you taking a shootout on a moving goal post. You will miss that shot every single time. And that’s what you have been doing with your wealth and primarily with your future goals.

Goals – Dictionary defines goals as “An idea of the future or desired result that a person or a group of people envision, plan and commit to achieve”. For starters let’s focus on the key 3 terms. Envision, Plan and Commit.

We at Finvest.AI only want you to “Envision” as for the remaining two i.e., “Plan” & “Commit” we will take care of the same. Now the beauty of envisioning is that it has no leaps and bounds. And that’s exactly what we want from you.

Do note at al times we just recommend, and you get choose. You are the master of your future wellbeing. The length of your goal, the fund needed for the same, risk appetite and the preferred frequency and the mode of investment.

Our very patented “AI powered engine” make sure your goal post is secured. Our machine learning based recommendation engine assures and maximizes your chances to score that shot.

The moment we sense the slightest of the deviation we recommended you steps for course correction.

Our AIM is to enable you to SCORE that GOAL.

EVERY SINGLE TIME !!

We all understand the importance of compounding and its power in the long run with parlance to our wealth, skills, relationships, and overall efforts in our lives. Whether it is learning a new language or learning to use those roller blades. Everything needs time. It's nothing new. But then it's easier said than done. A large chunk of investors due to greed, apprehension of losing money, a mindset of immediate consumption and many other reasons tend to lose their sight of such a powerful concept.

The power of compounding works by growing your wealth exponentially. That said the growth must be steady, tenure must be long, and investments must be diversified.

Process of investment itself must be simple and easy.

But that's not the case. Each investment category has a different risk, return structure and maturity cycle. Few have a direct relationship with market trends like inflations, exchange rates etc. while few are less volatile and based on an asset like gold or an underlying contract. While short term goals might need high returns in short time with high risk, its just the reverse for long term goals. Moderate returns with minimal risk over a considerable amount of time can yield excellent returns as well.

But one aspect that is equally applicable to all and which defies all these odds of Investing and radically changing market equations is the power of compounding. What is compounding? Benjamin Franklin once wrote somewhere: "It is the stone that will turn all your lead into gold. Remember that money is of a prolific, generating nature. Money can beget money, and its offspring can beget more."

Compounding is a simple yet a very lethal concept. Why lethal? Because compounding is similar to a multiplier effect since the interest that is earned by the initial capital also earns an interest, the value of the investment grows at a rapid and geometric rate. But this needs two things, one is time, and another is patience to hold upon the investments for the long haul.

Albert Einstein once said “Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it”. It's the “Y” in the compound interest equation and not the “r” which is the magic element.

Hypothetically If offered ready cash of $2Mn or a mysterious penny that doubles itself every day do choose the penny. Because you will exactly end up with $5.36Mn in a short span of 30 days This is indeed the power compounding.

While classical thinkers stress upon starting early, modern day AI & ML enthusiast like us suggest that it's never too late to start investing and building a goal-based corpus leveraging the power of compounding. With a focused goal, right investment type and correct assessment of risk-reward appetite the lost time can be made up for and if you are already an early starter nothing better than that.

Our AI powered recommendation engine is just the perfect co-traveler you need in your journey of compounding.

Life will always offer opportunities. The ones you grab are the ones that will make the difference. We often quote it as the “What if” of the financial world.

“What if” I would have invested in energy stocks and not in the pharma ones. Opportunity costs means “What else could I have done with my money?” and “Am I properly allocating my capital?”

Per the very famous Warren Buffett. “The real cost of any purchase isn't the actual dollar cost. Rather, it's the opportunity cost—the value of the investment you didn't make, because you used your funds to buy something else.”

An opportunity gone is an opportunity missed. This is one learning that can be freely applied to all peripheries of life especially financial decision making. We all have that one friend that often fusses on how “If his father would have invested Rs1 lakh in Tata shares 18 years back today, he would have been sipping a pina colada in Mauritius and living off a luxury life on the mere dividend from such an investment”.

While such a thought is totally whimsical but what is not unreal is the loss that one incurs due to missing on such great investment opportunities. What one needs is being equipped with the right knowledge and the sheer armory to capitalize on such events in that very moment.

Quick Fact - Do you know while the entire market was on a wild goose chase during the Sensex crash of 2020 (COVID/Pandemic) and trying to find that one multi bagger stock that will give them 5x returns of their investment what no one or very little number of investors could identify were the Nifty and BSE Sensex that gave 100% returns in under 24 months. By the time investors could assess and identify the same the Sensex had already touched 60K and was on a downhill journey or the so-called camel hump.

What people lacked was not information, but continuous information backed by constant monitoring and real time recalibration of investment strategies.

So truth be spoken, your complaining friend was not so complaining after all.

Furthermore, with the advent of more complex assets classes like Non fungible tokens, Blockchains, commodities, fixed income products, debt products, government, and sovereign bonds the concept of opportunity cost just becomes a tad more COMPLEX.

With varying goals ranging from 6 months to 60 years the definition of “Opportunity Costs” has evolved dynamically. Your capital needs to be allocated to multiple goals and each of these goal journeys will either run sequentially, parallelly or will piggyback on each other. Meaning once a certain goal has captured all possible opportunities and is complete that tranche of capital should now submerge to further strengthen the journey of other goals.

We have an inhouse term for this called as “Goal Based Opportunity Cost”. Remember our definition of Opportunity cost is “Am I properly allocating my capital at all times?”.

While it's easier said than done in theory, imagine how complex will it be to deploy something in real life scenario. Through our signature AI & ML powered tool based on “Nobel prize winning” theories we empower your financial journey by not only capturing those winning opportunities but also assisting you in achieving your life goals.

We at Invest. Ai kill those “What If's”, through one investment at a time.