SIP-1

Inflation hits hard, the rise in inflation outruns the pay-rise. A common man struggle ceaselessly to arrest it; but in vain. One comes to know that investing in stock market can reduce its effect but stock market is a risky place; one needs to know the nuance of entering the stock market at the right time and quitting it at the right time. No matter how smart one is but the fact remain “Nobody is wiser then the market”. Many have borne the brunt. A financial consultant comes to his rescue with an offer namely “SIP” this is a short form of Systematic Investment Plan where in one invest in small amounts periodically over a long period of time. Financial world calls it an asset building instrument.

One’s money is indirectly invested in the stock market through this scheme, run by a fund manager who knows his job well. The more the duration the time leverage works out well and without strenuous effort one builds an asset; surely a wiser way of doing things.

Once I had been to my friend’s house, like me he too is a forced bachelor. Our families visit us one in every six months.

His wife posed me a question. Why don’t  children listen to their parents? Why do they get angry?    

Children get angry because of uncertainty, because of doubts, because of less confidence. They have a right to be so because of the limited exposure they have. We on the other hand though grown up, having more exposure, more experience, more knowledge, tend to be short tempered and tend to get excited. The child just replicates this. We are just in our conventional mode. The child is surrounded a code of dos and don’ts, we do not give the child a bit of liberty to stretch his hands, to stretch his wish, to stretch his mind, to stretch his heart. Ultimately what come out is anger, and disobedience.

Contemporary times have brought us from undivided families to nuclear families. The need of the day demands the family to have a DIG (Double income group) status, where in both the husband and the wife are earning members. The status rises, the income rises but daily chores of life remains the same and the time (available) on the other hand gets less; almost all DIG families face this. Life seems to be a candle burning on both the ends; with mind messing up, decisiveness diminishing, patience percolating and anger escalating. The parents are in the same frame of mind, the child is angry and the parents are angry, the child is angry because the parents do not understand and the parents are angry because the child doesn’t obey.  

     

April 24, 2013, place Indira Gandhi international airport, terminal 03, it was 10.30 in the morning. Placed on a back to back sitting arrangement, I was lost in reading. A shout from the back pulled me out of the book. A mother was scolding her two to three year old son. Behave yourself, enough is enough, you think you are being smarter, the reality is you are being an Idiot. She kept on repeating those words, shortly her husband arrived and they left. I was deeply disturbed.

Did that lady have a SIP? A SIP to invest in her child's life, is she had one, what would she be investing? 

A SIP in the stock market can help one build a house, and a SIP in life can help one build a home. See you next time with "SIP-2"