Wealth Creation - VSRK Capital | Trusted Mutual Fund Distributor & Financial Advisory Services

September 25, 2025October 12, 2025

Kushmanda – Energy & Creation: The Power of Compounding in Wealth Creation

On the fourth day of Navratri, we celebrate Goddess Kushmanda, the creator of the universe and the embodiment of energy and creation. She is believed to have created the cosmos and have brought light to the universe with her divine smile, radiating warmth and light, which symbolizes the spark that begins all things. Her energy is pure, powerful, and life giving. Reminding us that true creation comes from consistent and purposeful action. In the realm of personal finance and wealth creation, Kushmanda’s energy is deeply relevant, reminding us of the transformative power of compounding. A force that, when harnessed with patience and discipline, can create immense wealth over time.

Just as Kushmanda’s energy brings life to the universe, the principle of compounding brings life to our investments. It is the magic of earning returns which not just reflects on your initial investment, but also on the returns themselves. Over time, this snowball effect can turn even small, consistent investments into great substantial wealth.

At VSRK, we believe that building wealth isn’t about luck or sudden windfalls. It’s more about harnessing the power of small, regular actions and letting the time do its work. Much like the goddess who lit up the universe, your financial future can be illuminated through the steady glow of compounding.

The Power of Compounding in SIPs

Compounding is often called the eighth wonder of the world and it is said for pretty good reasons. It’s the process where your money earns you more money, and then that money earns you even more over time. Small, regular investments can grow into something far greater than the sum of their parts.

One of the most effective ways to harness the power of compounding is through Systematic Investment Plans (SIPs). SIPs allow investors to contribute a fixed amount regularly to mutual funds, regardless of market conditions. This approach not only instils discipline but also benefits from the rupee-cost averaging, reducing the impact of market volatility.

Imagine starting a SIP of ₹5,000 per month at the age of 25 in a fund that delivers an average annual return of 12%. By the time you’re at the age of 50, your investment would grow to over ₹1.5 crore. The key here is not just the amount invested but the time given for compounding to work its magic.

Think of it like planting a tree. You don’t dig it up every week to check the roots. You water it consistently, give it time and in return, it grows strong and bears fruit. SIPs work in a similar way. The magic happens not just in the beginning, but later years down the line. When your patience and discipline start to show real results.

Cultivating a Long-Term Mindset for Growth

Kushmanda’s energy teaches us the importance of creation and sustenance. Similarly, wealth creation requires a long-term mindset. Short-term market fluctuations can be distracting, but focusing on the bigger picture allows investors to stay committed to their financial goals. This is more than just a financial strategy rather this is a growth mindset. One that values consistency over quick wins and values long-term vision over short-term excitement.

Many of the investors get discouraged when they don’t see big results in early stages. But Devi Kushmanda teaches us that every creation takes time. The universe wasn’t built in a day and neither is any wealth. It’s the daily discipline, the weekly investment and the yearly review that shape a secure financial future.

At VSRK, we don’t just guide our clients to build wealth, definitely not through aggressive bets or risky moves rather by adapting through steady, smart, and sustainable financial habits. We often emphasize on the importance of aligning any investment strategies with long-term objectives. Whether it’s saving for retirement, your child’s education or buying a home. A growth mindset coupled with consistent investing can turn dreams into reality. The most powerful tool in that journey is compounding, powered by SIPs and a long-term mindset.

So, as we honour Devi Kushmanda today, let’s reflect on these basic questions:

Are you investing with purpose?
Are you giving your money the time it needs to grow?
Are you building wealth the way the universe was created-step by step, with energy and intention?

Practical Steps to Harness Compounding

Start Early: The earlier you begin, the more time your investments have to grow.
Invest Regularly: Consistency is key. SIPs make this effortless.
Stay Invested: Avoid the temptation to withdraw or stop investing during market downturns.
Reinvest Returns: Let your earnings compound by reinvesting dividends or gains.

Conclusion

Goddess Kushmanda’s energy and creativity inspire us to approach wealth creation with the same vigour and patience as hers. Also, understanding that compounding is not just a financial concept; it’s a testament to the power of time and consistency. By adopting a long-term mindset and leveraging tools like SIPs, anyone can unlock the potential of compounding and build a well secured financial future. Because when you combine discipline with time, the results are nothing short of divine.

At VSRK, we believe in empowering individuals to harness this energy by turning small steps today into giant leaps of tomorrow. Let Devi Kushmanda’s radiant energy guide you towards a prosperous and abundant life.

FAQs

What is compounding, and how does it work?

Compounding is the process of earning returns on both your initial investment and the accumulated returns. Over time, this leads to exponential growth in wealth.

Why are SIPs effective for long-term wealth creation?

SIPs encourage disciplined investing, benefit from rupee-cost averaging, and allow investors to harness the power of compounding over time.

How important is it to start early?

Starting early gives your investments more time to grow, maximizing the impact of compounding. Even small amounts can lead to significant wealth over decades.

Can I stop my SIP during market downturns?

It’s generally advisable to stay invested during downturns. Markets tend to recover over time, and stopping SIPs can disrupt the compounding process.

Can I start SIPs with a small amount?

Yes! You can start a SIP with as little as ₹500 per month. The key is to stay consistent and give your investments time to grow.

How long should I stay invested in SIPs?

For best results, it’s recommended to stay invested for 5 years or more. The longer you stay invested, the more power compounding brings to your portfolio.

September 23, 2025October 15, 2025

Discipline in Wealth Creation: Lessons from Brahmacharini

Day two of Navratri belongs to Brahmacharini-the goddess of tapasya, steady intention, and quiet endurance. She doesn’t rush. She walks barefoot, holding a rudraksha and a kamandal, reminding us that sustainable wealth is not a sprint but a vow kept and performed daily. Markets reward discipline more than brilliance.

We have seen this repeatedly: a professional earning well, yet forever “busy,” finally transforming their finances not with a hot tip but with a boring rule-automate savings the day salary hits, reviewing once a month, never breaking the emergency fund.

Three great lessons to learn from Devi Brahmacharini

1.Sankalp (clarity): Goals precede products – write yours, where you can see them? “Retire at 55 with ₹1.5 crore in today’s calculation of money,” “Build a ₹6 lakh emergency fund by March 2026,” “Down payment of ₹20 lakh in the coming 4 years.” Put a number and a date on each and try every way to reach there.

2 Niyam (rules are bigger than moods): Emotions are loud; rules are reliable. Some of do follows

– SIPs on salary day; step up by 10% on every appraisal.

– Rebalance to target your allocation every 6 months (±5% band).

– 48 hour pause on any spend that goes beyond ₹10,000.

– One “no-trade day” a week to curb your impulse activity.

3 Tapasya (endure boredom): Compounding is mostly uneventful. Keep showing up with the same SIPs, same review cadence especially when headlines scream to the loudest otherwise.

A simple discipline kit from Devi Bhamacharini

Safety first: 1 month of expenses in high-yield savings/sweep FD; 3-5 months in a liquid mutual fund and label it “Emergency Only.”
Automatic offense: SIPs in broad-market equity index/flexicap funds for goals >7 years; debt or hybrid funds for 3-7 years. Autopay via UPI or standing instructions.
Guardrails: Cap single-stock exposure, avoid leverage, and document exit criteria before any entry. Keep a one-page “Discipline Charter” with goals, allocation, rules, and review dates.
Friction against FOMO: Move trading apps off your home screen; unfollow “tip” channels; keep a decision log Why now? What changes my mind? What’s the exit?

Where does our advice fits into your investment lifecycle?

Discipline is designed, not wished into existence. A SEBI-registered, free advisor such as VSRK can translate principles into a tax aware, rules-based plan and hold you accountable without pushing products. Ask for a written rebalancing policy, a behaviour dashboard (savings rate, drift, debt paydown), and a clear review cadence.

Conclusion

Brahmacharini doesn’t promise speed, instead, she promises direction. Wealth is built by the people who can be reliably boring for an unreasonably long time. Put your vows on paper, automate them into your calendar, and let the compounding & time do its work quietly.

FAQs

How do I start if I have debt?

Prioritize high interest balances (credit cards often 30-45% p.a.). Pay a minimum amount on low-cost loans, accelerate the costliest first (avalanche method) and automate payments.

How often should I review my portfolio?

A 30-minute monthly check for savings rate and leaks; a deeper half-yearly review for rebalancing and goal progress. Avoid tinkering between these dates.

What if markets crash?

Follow your pre-written policy: rebalance if allocation drifts beyond your bandwidth, keep SIPs running, and touch the emergency fund only for real unavoidable emergencies.

September 7, 2021

Savings is Not Always Investing; Investing is Savings with Amazing Returns

Always been into savings! And now investing for the first time? It can be traumatic, puzzling, and alarming. Campaigning hard earned money requires a basic understanding of financial assets; enough knowledge and confidence to avoid common investing mistakes; and importantly an understating of your investment goals.

By the time you’re ready to start investing, you must have specific goals in mind. Having a concrete goal can help you become more visionary and dedicated to that goal, making it real through regular actions.

One need to first empower themselves with some basic know-how. The Securities and Exchange Commission (SEC) has an eminent handbook for newbie investors which explains basic concepts and difference between the types of investments.

Choosing your first investment

When choosing an investment for the first time, experts say protruding on what one is literate about. If someone does have an expertise, one has slight tilt towards being more comfortable and knowledgeable when making an initial investment.

If one do not have a specific forte that makes you uncomfortable towards investing and that would make you like many others, no shame in it. Make another key choice and VSRK’s experts and financial analysts can help you actively managing your mutual funds.

An initial investment should be held for at least a year, in order to avoid short-term capital gains taxes. Avoiding high turnover or excessive trading; cutting costs associated with placing multiple trades, plus their tax implications, are wise or unwise strategies depends upon novice investor’s financial goals.

As per the research done at VSRK, major issues faced by new investors are that they tend to gamble with money that they can’t even afford to lose. Secondly, unaware investors seek out exotic products online. Inverse leveraged funds can be lucrative to triple your investments within no time, but they silently carry risk and are tricky to manage after certain point of time.

We at VSRK won’t allow your first or many investments to drop. Follow VSRK to start small and grow steadily and we will act as a catalyst for your wealth of tomorrow.

August 31, 2021

Power Play your Investments; every Dot Ball is a lost opportunity

We never get unlimited chances to procure all the things we want, nothing is poorer than missing an opportunity that could have changed our life. This is entirely what materialize with our Earning phase of subsist.

When anyone starts earning, one has the least or no bounded expenses because of the fewer responsibilities at that age. This gives a big reason that an individual should start investing in the best spacious way he/ she can. To think and execute on the thought of investing is primarily vital then comes the procedure to opt for various amazing avenues with same or different investing amounts. After being conclusive about investing, the first thing comes to mind is who to choose for support and whom to trust with your hard earned pesos.

VSRK is the name one can trust upon. At VSRK, we do not sell products, we advise solutions with provision of incredible riches services since 2013. The tailor-made investment plans at VSRK are according to your financial goals & investment style.

The earlier the investments, the documented concept of compounding starts horsing around and helps you attain all financial goal and finally retire wealthy. VSRK shall step ahead on the illuminating path of wealth creation confidently if clear understanding is made for financial goals, risk tolerance and investment strategies.

There are ups and downs in the market due to the feature of volatility in the buzz. Fervid investments or disinvestments during span of short-term volatility barely clinches in the long run. Verifiable examples show, it takes long for the market to retrieve losses and bridge gains.

Every SIP delayed will harvest a whooping dent in the Retirement Party Day. Missing a single month’s SIP is simply giving dot balls to your earning life. Batsmen are enlightened for not bowling blindly and miss wickets. They stake calculated Risk and strip benefits. One should try to escape the EMI web and credit obligations. Scoring fast in the initial overs allows batting teams to tackle quality wicket-taking bowlers carefully and not take the risk.

Hence, investing in the initial years of earning helps one easily take over the charge and obligations of unexpected expenditures in the middle-age say kids’ education, owing residence etc.

Cricket lovers know well when a batting team tally huge in Power play, the overall will be a win-win situation. Methodically, whenever the elementary investment is towering, the overall corpus tends to gigantic. It not only makes the investor financially independent but makes them retire rich and die wealthy.

Like in cricket, no batsman enter the ground without the necessary protection. Similarly, VSRK has the team of experts to help the investor not only to stay on the financial ground for long but also to score high returns.

July 13, 2021

11 Things You Should Know About SIP Mutual Funds

Investing in markets is one of the most concerning decisions. As a traditional customer, you will think twice before making any large investment. But with the introduction of SIP, now the situations have changed. It is easy and convenient to make investments. Every year, the number of customers is increasing who look forward to bring their investment in SIP mutual funds. In this blog, we will give you a quick some features of SIP mutual funds.

To the customers who are just beginners in the market, SIP is a new word. SIP stands for a systematic investment plan. It is the most flexible way to invest in the market. The best thing about this plan is that you can invest per month rather than one lump sum amount.

Eleven things you should know about SIP mutual funds:-

1. Amount of investment
SIP gives you the right to invest according to your requirements and convenience. You can start your investment with a minimum amount of Rs 100 or Rs 500 per month. A Small Amount of investment will not develop a financial burden on your head can easily maintain your financial balance.

2.Savings
SIP mutual funds can formulate monthly, annually, quarterly, and semi-annually. It develops a sense of saving habits among investors. Your saving habits play a vital role in the circulation of your money. Tax saving schemes also comes under SIP mutual funds.

3.Types
SIP mutual funds are of various types. The most common type is a hybrid mutual fund. A Hybrid mutual fund is the one under which the investment portfolio is equally divided between equity and debt financial instruments. Other types of SIP funds are Flexi SIP, Step-up SIP, Perpetual SIP, etc.

4.Timing of the market
The timing indicates the ideal time frame, where the investors can gain a maximum of the benefit in the stock markets by purchasing more units of mutual funds when the prices are comparatively low. With SIP mutual funds, you can invest throughout the year and get better returns.

5.Investments of recurring nature
You have to make regular deposits, like recurring deposits. However, in RD the returns are linked with the bank FD rates, but in the case of mutual funds, you can invest in different financial instruments that link to market-related returns.

6.Regular investment
Investing in small amounts per month will make you a burden-free and disciplined market investor. You will become smarter about your expenses and start thinking to invest maximum. The regular investment feature of SIP will help you today and in the future.

7.Objective
The main objective of SIP mutual funds is to achieve long-term accumulation of wealth. When you invest through SIP, you invest in a disciplined manner without feeling the stress of market conditions. SIP mutual funds from time to time remind you of your investments and motivate you to move ahead.

8.Safe and sure
Mostly SIP is marked as a safe and sure way of investment and an efficient way to create wealth for the long-term. SIP is generally secure regarding mutual funds. SIP gets stuck to continuous money to earn a fixed percentage of commissions or returns. It makes you worthy of a safe and secure investment nature.

9.Best for the beginners
SIP mutual funds are the best choice for beginners who don’t have experience regarding the market as it averages out the price over some time. The funds in a mutual fund are sub-invested in various sectors. Through this, the investors get the benefit of diversification. You can consult your financial adviser for SIPs which offers several plans for the beginners.

10.Management
Financial experts regulate the SIP mutual funds. These professionals work on improving the returns of the funds. The SIP mutual fund is well managed and provides you with the best service in all possible ways.

11.Investment goal
Most people fail in investment activities due to a lack of market knowledge. SIP provides a wide range of investment options. With these various options, you develop yourself as a diversified and disciplined investor. The most common reason why people start investing is they need to save taxes. If you want to invest in SIP, you must target a specific goal. Determining the aim is an essential factor. It is necessary to know the reason behind your investment in SIP. Attach a money value to your goals. A Mutual fund (SIP) will provide you with the best returns than other investment option.

All the SIP features are present online. Online facilities provide complete services from starting till the end with ease of the internet all these services are working 24*7. Things like child education, marriage funds, home loans, retirement plans are necessary for one’s life. These require proper planning with adherence to the amount of wealth and period time. Each year the value of SIP changes. You have to understand the past, estimate the current values, and come up with future possibilities.

December 29, 2020

5 Things to know About ELSS Funds

Equity Linked Saving Schemes (ELSS) is an equity-oriented investment option mainly focused on equity funds and other equity-related instruments. It has a lock-in period of 3 years. Any investment made in ELSS funds is eligible for deduction in 80C which makes it very popular. We would be talking about five things you should know about ELSS funds before investment.

ELSS Has a Lock-in Period of 3 Years

The ELSS funds have a lock-in period of 3 years. It means the investors would not be able to withdraw funds/ redeem their unit before three years. Please note that ELSS funds probably have the lowest lock-in among all tax-saving instruments. Also, ELSS is an open-ended instrument so, after the stated lock-in, you can hold it for as long as you want.

ELSS Should Be Held For a Long Term

As told previously, eligible ELSS funds are required to have a lock-in period of three years. However, it is suggestible to consider ELSS funds as a long-term investment option such as 5 to 7 years, if such fund had been performing well. The reason is that equity-based funds give better returns in the long term. So, to gain higher-returns one should see these funds as a long-term trading

ELSS Has Tax Benefits

ELSS scheme is one of the popular investment options in the markets. It provides tax savings while at the same time, provides good returns on investment. While investing in ELSS for saving tax, one must know that such tax deduction is allowed under section 80C of the Income Tax Act. It is necessary to understand that Section 80C is like an umbrella, with many eligible deductions like medical insurance, child tuition fees, etc. An investor can claim deduction up to Rs. 150,000 under this section. So, if a person is investing in ELSS only to save tax, he/she must take in note the other options too and calculate the amount of investment needed. However, if the investment is being made only with the sole purpose of earning one can invest as much as she/he wants with an eligible tax deduction up to Rs 150,000.

One Can Invest in ELSS Whenever She/He Wants

ELSS funds are suited to all kinds of investors who are willing to take moderate risks. It not only helps you to accumulate wealth in the long term but also provides additional tax benefits. It is like hitting two birds with one stone. Apart from the above, it helps you to diversify your portfolio by investing in various sectors. The short lock-in period is also a blessing for investors looking for a way of saving tax.

ELSS Funds Help You to Diversify Your Portfolio

Investors looking for a venue for investing in ELSS reap the benefit of diversification by distributed investment across different sectors and corporates, reducing the overall risks in investment. ELSS funds are said to carry moderate risks. Experts suggest investing across various schemes and holding your units for the long run. It helps to neutralize the overall risk of investment.

We hope this article has helped you to know more about Equity Linked Saving Schemes (ELSS). If you have any doubts or query about ELSS funds, do let us know. We’re happy to help.

November 23, 2020

4 Tips For Planning Your Retirement

Planning a retirement is not always easy. It’s the biggest decision you’ll ever make and a lot of things have to be considered before it can be made. Regardless of age, whether you’re 25 or 55, investing in retirement planning is always a wise financial plan. Everyone will face a time in their life when retirement is just around the corner, either by necessity or by choice.

Whether you need to catch up with the Joneses or want to better prepare for your later years, there are many options available to you in the form of investment strategies, saving strategies, and even tips for early retirement. There are also plenty of guides and articles written on the topic of retirement, including the essentials on saving, investing, and creating wills.

Great Retirement Planning Tips

For many people, saving and investing for one’s retirement day will not be an easy process. The goal is not to have the most money that you can, but to have enough to support your family and keep living comfortably until retirement. It is important to realize that, while saving money is a vital part of any retirement planning, investing money is not the only step to take. You also need to have the knowledge to determine when to invest your money so you don’t spend too much and lose it all.

These are four tips for saving for your retirement that anyone can use.

Diversify

First, make sure to diversify your investments. Diversifying your portfolio is the single best thing you can do for your retirement. Once you have a solid portfolio that covers a number of different markets, you can start to look into which investments are safe. Choose safe investments in order to protect your money from losses and to allow it to grow gradually over time.

Save

Second, set aside some money to save. You’ll need money to invest in your savings account. It can be as small as $100 every single month, if you wish. Put that money aside for when you need it, whether it’s for unexpected medical bills, or a vacation down payment on your next home. This money will serve as a buffer against the effects of inflation, and any other emergencies that may occur.

Budget

One of the most important things that you have to do when planning for your retirement is to create a budget. There are a lot of things you have to consider when you’re dealing with your finances. You also have to look at your expenses and see if they’re reasonable. If they’re not, then you have to be honest about them and decide whether they can be adjusted accordingly.

Be aware of your spending habits. You may be tempted to spend more than you earn, but you’ll also need to consider that this will eat into your income. Budget your money and set aside enough for your future living costs.

You should be conscious of how much money you have now, and how much you are going to make for your future. You should also have a clear idea of where you want to retire, because it has to be planned long before it happens. If you plan out the whole thing in advance, then you’ll be able to handle all kinds of situations that can arise during your retirement years.

Get Professional Help

To help you plan your retirement, it’s important to choose a firm that can help you sort out what’s necessary for now and what’s needed for the future. This step may be simple for some. For others, they may not need to work with a personal finance expert that can help you choose the right option. You’ll need to make a list of your priorities, and go with the one that best meets your needs, be it a bank, or a private investment company.

If you prefer a more hands-on approach to investing, or if you just want to be more knowledgeable with your money, you may find an e-book a helpful tool. Even a good retirement calculator can be helpful in determining how much money to invest or save. With all the resources available on the internet to teach you regarding your retirement, be careful about scammers that are only out to take your money.

Conclusion

Planning a retirement is the same as planning your life, because you have to strategize so you can live comfortably and successfully. No one wants to be caught off-guard down the road. There are so many questions to be answered and so many details to be taken care of. Do yourself a favor and begin that process now. Research the variety of ways you can save or invest. Talk to someone about diversified accounts and early retirement plans. Check out all your options so that you may live out the rest of your days in comfort and security.

September 24, 2020

What are Difference between ULIP and Mutual Fund

This is one of the most commonly asked questions by a potential investor who is often confused by the mix use of these 2 investment instruments. Many financial planners use these terms interchangeably. However, ULIP and Mutual Fund are two separate concepts. We have explained the meaning of ULIP and Mutual Fund and the difference between them.

Mutual fund

Mutual fund is an investment plan where your money is managed by a portfolio manager. He puts your money into multiple companies on the basis of your investment objectives and associated risks. For every investment made in mutual fund, certain units of that fund are allocated to the investor. There are multiple types of mutual funds available in the market; each having its investment objectives, liquidity and risks.

Unit Linked Investment Plans (ULIP)

Unit linked investment plans are a hybrid combination of investment and insurance schemes. Herein, a small portion of the monthly premium goes to secure life insurance and the rest is invested just like a mutual fund.

Difference between ULIP and Mutual Fund

Basis	Mutual Funds	ULIP
Regulating Authority	SEBI	IRDAI
Product Type	Investment	Insurance
Liquidity	Highly liquid	Less liquid
Potential Returns	High returns subject to market risks	Low returns as part of it are invested in the insurance
Lock-in period	Only in ELSS	3 to 5 years
Tax benefits	ELSS are eligible for deduction under 80C. Long Term- Equity Funds: Tax Free Debt Funds: 10% or 20%	Deduction under 80C
Charges	Low- 1% to 2.5%	No upper limits
Portfolio Disclosure	Mandatory Disclosure	No such requirement

Regulating Authority and Product Type

Mutual funds are an investment product and are regulated by the Securities Exchange Board of India (SEBI). The Unit linked investment plan is essentially an insurance plan with additional investment option.

Liquidity and Lock-in Periods

Multiple mutual funds options are available in the markets viz. equity, debt, growth, index, hybrid, etc. Most of the mutual funds are highly liquid as compared to less liquid ULIPs, as ULIPs are meant for a relatively long time. Usually, only ELSS mutual funds have a lock-in period, rest all mutual funds can be redeemed easily almost anytime.

Potential Risks & Returns

ULIPs are less prone to market risks are they are insurance instruments. Mutual funds are comparatively riskier as they invest directly into the market which is highly market. This volatility is also the reason why mutual funds give a higher return than ULIPs. ULIPs offer a safer but lower return as a chunk of it is invested in insurance policies.

Portfolio Disclosure

As per the rules of SEBI, the companies have to maintain a strict disclosure of transactions and such other information. SEBI has directed all fund managers to send the portfolio statement via email to its unit holders every month. Such rules and regulations help to ensure transparency and accountability. On the other hand, there is no such regulation for ULIPs.

Tax Benefits & Charges

The charges associated with mutual funds are as low as 1% to 2.5% which is far lesser than that of ULIPs. Charges on ULIPs have been reported to be as high as 18% and there are no such upper limits. ULIPs are eligible for deduction under section 80C. The ELLS category of mutual funds is eligible for deduction 80C. Mutual funds options other than ELSS do not have deduction under section 80C but they provide additional tax benefits such as returns on mutual fund up to a certain limit is exempt. Also, as per general reports LTCG on such mutual funds attracts much lesser tax.