"most important thing to understand is that every CRISIS is temporary and is bound to end – hence there is a saying ‘ Fall is temporary but Growth is permanent’ 1.EDITORIAL 2.INSPIRING CASE STORY 3.INVESTING DURING CRISIS 4.MARKET INDICATORS A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE

1. BUDGET
WAR &
ELECTION
BUDGET
WAR &
ELECTION
FEBRUARY 2022
MARKET OFFERS VOLATILITY & OPPORTUNITY
INSIDE
EDITORIAL
INSPIRING CASE STORY
INVESTING DURING CRISIS
MARKET INDICATORS
Investment Knowledge Center
A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE
Disclaimer : Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

2. As Indian Stock market tanked around 5% on Thursday 24th Feb 2022,
amidst Russia – Ukraine war situation, most investors got into panic and
fear grip. By the time we are publishing this Newsletter, the WAR Crisis is
more intensified and the peace talk is looking dim. The Crisis is looking to
take an ugly turn if NATO members unite together and push Russia to take
some dangerous turn.
There are many political and expert comments available in free media
which are providing live updates on the situation. However we shared a
special note related to this WAR situation and key reasons behind this
Crisis. Understanding the key reason for any crisis gives you better control
on your emotional decisions related to such event.
For our readers, most important thing to understand is that every CRISIS is
temporary and is bound to end – hence there is a saying ‘ Fall is temporary
but Growth is permanent’ . If you look at similar other WAR CRISIS
situations in past and see how Nifty50 performed after it , you can find an
interesting pattern :
When we are out with our latest issue of NEWSLETTER by
the end of February 2022, world is watching yet another crisis !
Russia – Ukraine WAR
Mr. Santoshh Chaudhary
Managing Partner
7KCR Financial Services
Any WAR is bad for people and universe, but as an investor one should control their emotional behaviour and actions
to get the best advantage of such CRISIS. We have used a special chapter in this Issue – “Every CRISIS is an
opportunity - learn how to grab it ”
Keep reading our Newsletter and also do share with your friends and relatives who are interested in managing their
personal Finance
Editor - 7KCR Financial Services
FEBRUARY 2022 02

3. GDP
CHAPTER 01 CRISIS VS OPPORTUNITY
FEBRUARY 2022 03
Every WAR , INVASION or CRISIS brings in lot of human pain and financial damage. However it is
bound to end ! Hence in simple words - " CRISIS is temporary, it is bound to end "
We have dedicated this special section for your confidence and clarity about wealth creation through
Equity Mutual Funds :
- if you have invested right, then just sit tight to reap maximum benefit
- SIP or STP is the best method to reap the benefit of any unseen CRISIS
- Never sell on Fall - try to buy instead
If you look at the pattern of Stock Market during this WAR CRISIS -
1st Feb 2022 : SENSEX was 58,862
24th Feb 2022 : SENSEX was 54,529 (Start of WAR)
4th Mar 2022 : SENSEX was 54,333 (9th Day of the WAR)
10th Mar 2022 : SENSEX was 55,464 (15th Day of the WAR)
If you look at the pattern of this Fall, on 24th Feb '22, actual WAR starting day, SENSEX came down
by around 7-8% from its month beginning. However, it is stagnant at same point since last 10 days !
Stock Market always acts in advance. It later settles down when the event takes place - and it rises
upwards when the event closes. In case of RUSSIAN - UKRAIN war also, the market has behaved in
similar pattern :
7-8 % fall : On the event Day
Settled Down : During the event period ........so it will certainly give a sharp rise , as the event closes !
So the words of WISDOM is " Don't redeem or liquidate any of your Equity investments in current
scenario or any negative speculations" . Rather top up some of your SIPs or other investments by
way of additional purchase.
Ask us for easy to invest Online link to add funds to your existing folios.

4. 04
Source : valueresearchonline.com
Disclaimer : The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or
assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Mutual Fund investments are subject
to market risks, read all scheme related documents carefully before investing.
Some of our Readers have requested to post the chart of Equity Fund categories which can be used
for additional purchase or even fresh purchase under the recent discount due to WAR Crisis
In short term, there can be some immediate upside in metal or energy stocks, due to price rise;
however, as a long term investor one should not deviate from their existing investment objective
and folios. As a new scheme, you may select from any of the above mentioned fund categories.
What to do in GOLD or SILVER funds ?
Of Course Gold is an hedge against inflation ! And we clearly see inflation pressure ahead; may be
due to high Fiscal deficit of our country or rising interest rates across the Globe or any other reason
like WAR etc. Hence experts believe that Gold could be a good addition to the portfolio. Since
Mutual Funds have also launched SILVER based FOF , this has opened a new windows of
opportunity for investors in this category.
FEBRUARY 2022

5. GDP
RUPEE
CHAPTER 02 MARKET INDICATORS
F O R M O N T H E N D I N G F E B R U A R Y 2 0 2 2
05
FEBRUARY 2022

6. CHAPTER 02
06
FEBRUARY 2022

7. CHAPTER 02
07
Source - Morning Star as on 28th FEB 2021
NOTE: This is not a single scheme Fund Performance, this is an Avg. Performance of all the funds in same Category across
the MF Industry. However Performance may be different for different scheme under same category, Pls check with your
advisor for the TOP Performing funds in above category for various periods.)
FEBRUARY 2022

8. THINK! ARE YOU PRTOTECTED ?
08
FEBRUARY 2022
HEALTH INSURANCE
HOW TO SELECT THE RIGHT INSURANCE POLICY
Buying a health insurance policy for yourself and your family is important because medical
care is expensive, especially in the private sector. Hospitalization can burn a hole in your
pocket and derail your finances. It will become even tough, if the person who brings in the
money, is now in a hospital bed. All this can be avoided by just paying a small annual premium
which would lessen your stress in case of medical emergencies. A good health insurance policy
would usually cover expenses made towards doctor consultation fees,costs towards medical
tests, ambulance charges, hospitalization costs, and even post-hospitalization recovery costs to
a certain extent.
Sum Assured
Minimum Entry Age and renew ability clause
Room Rent Capping
Inclusion and Exclusion
No Claim Bonus
Other Benefits
It’s difficult to select the best insurance policies as all insurance company provides a similar
type of insurance plan. Hence some of the important points that any Person should look at
before purchasing any plans are:
Earning money is not at all useful if you don’t have a life. Think about yourself and your family
and the importance of life. You know the importance and benefits of having a Health Insurance
Policy.Start one, if you haven’t already. Always take Health Insurance with proper analysis of
features. for that, you should consult an Expert having knowledge of all features including the
claim settlement process.
We are Happy to Help You. Contact us today to get help for Various types of Insurance
Services. Call us at : +91-9409600076, +91-9409400057 or mail us at : myaccount@7kcr.com.

9. GDP
RUPEE
CHAPTER 03 INSPIRING STORY
O F M R . A N K I T K A P O O R
09
Disclaimer : The name of the Schemes shown in above table are specific to this case story of Mr. Ankit Kapoor; and it should not
be taken as recommendation or advice from our side. You are advised to select your SIP according to your risk profile and
investment tenure. Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing.
A SIMPLE YET SUCCESSFUL METHOD FOR KIDS EDUCATION KITTY
This is yet another success story of a good SIP (Systematic Investment Plan). This unique way of
investing has really become an easy method for retail investors to achieve all their financial Goals or
dreams. In this story of the month, we are sharing the real example of Mr. Ankit Kapoor, our
esteemed customer who smartly used this SIP tool to create a successful Kitty for her daughter's
education
How did Mr. Ankit Kapoor started his Investment Plan for education Kitty ?
He started his investment plan around 10 years back, in 2012 when his daughter was of 9 yrs of ,
when he was aged 38 Years. When he released in 2012 that her daughter is more inclined towards
IT/Software and she may would pursue her career internationally. hence he estimated to target a
corpus of around Rs 50 Lakhs to be created by 2022.
What did Mr. Ankit Kapoor chose for investing ?
Mr. Ankit Kapoor chose to invest in Equity MFs. He set aside his savings of Rs 20K per month and
requested us to estimate the Future value of this Rs 20K per month , after 10 Years i.e by 2022.
We presented following simple table of presentation to him about his investments of Rs 20K:
approximately Rs 36 Lakhs if the ROI is 8% | approximately Rs 46 Lakhs if the ROI is 12% |
approximately Rs 55 Lakhs if the ROI is 15%
So as per the above presentation, Mr. Ankit Kapoor choose to select Equity Mutual Fund for higher
Risk Reward proposition. Since his investment tenure was long and the Risk appetite under his Goal
was also comparatively high; because he could anytime take education loans against the deficit, if
any. Hence Mr. Ankit Kapoor chose to go for Equity Mutual Funds.
And see what ! His Risk paid due reward - see the table below for the latest value of his monthly
SIPs started in 2012 :
FEBRUARY 2022

10. GDP
10
Note : We are an AMFI registered Mutual Fund Distributors. We work closely with our customers to help them achieve their
Financial dreams by way of savings motivation, correct estimations and quick investment execution. We help you select the SIP
according to your risk profile and investment tenure.
WHAT ARE THE KEY TAKEAWAYS IN THIS STORY ?
Every savings story is inspiring ! And every smart saver invest their funds with a purpose; they fix
their financial Goals smartly, before choosing their investment plan. Let us see some very important
learning points in the success story of Mr. Ankit Kapoor.
#1 : Visualising the Goal
#2 : Creating correct and realistic Goal Value
#3 : Choosing the correct Risk - Reward proposition
for your investments
#4 : Sticking to the plan under all weather conditions
#5 : Starting Early
We provide complete support to you in terms
of fulfilling all your investment objectives or
financial plans, by way of motivation - correct
calculations and more ! Just call and Fix a
formal discussion session with us - we are
here to help you.
Mind it !
SIP Zaroori Hai
FEBRUARY 2022

11. Disclaimer : Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The
NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market
including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of
future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the
schemes and the same is subject to the availability and adequacy of distributable surplus.
CHAPTER 04 SOME HISTORIC SIP
VALUES - 20 YRS
As the name suggest - Systematic Investment Plan ( SIP) is not a product but it is a method ! A
nice method to use your regular savings. A nice method to capture the downside of equity
market.....and of course, a nice method to accumulate units to avail the power of compounding.
There are many blogs and videos to guide investors for choosing a good SIP or suggesting
schemes for SIP. But please make sure to keep following two things in mind, before choosing
your SIP scheme :
a. The purpose and tenure of your SIP ( perpetual is a default option)
b. The Risk - Reward proposition suitable to your profile or Goal.
We have listed SIP returns of last 20
Years, from some leading Equity
Mutual Fund Schemes ( Top 20 as on
4th March 2022) :
Join our Investor Academy To
learnbetter investing. Please Visit at :
www.7kcr.com/Plantoinvest/learn_investing.html
11
FEBRUARY 2022
+91-9409600076, +91-9409400057
myaccount@7kcr.com
www.7kcr.com
203, 2nd Floor, Vinayak Commercial, Beside Saraswati
Complex, Manjalpur, Vadodara,Gujarat -390011