Money Times Talk (MTTs) – 26/01/26

  • As per astrology view, some important turning dates are 27th & 30th  January and 1st & 2nd February 2026.
  • Alert: Q3 results declared so far have been largely below expectations and lacklustre; the earnings season concludes on 14th February 2026.
  • Strong Budget appeal: A final request to Nirmala Mam to reduce LTCG from 12% to 10%, STCG from 20% to 15%, along with cuts in STT and dividend tax, to revive small-, mid- and micro-cap sentiment. With 95% investors frustrated due to persistent cash market erosion, lack of relief may push fresh flows away from equities and mutual funds towards bank FDs and precious metals. As per market grapevine, investors who shifted to gold, silver and ETFs over the last 3–4 months earned windfall gains, while equity-heavy portfolios remain deeply stuck, with 80–90% stocks down 30–90% from highs, despite indices being managed to sustain SIP flows.
  • Why asset allocation matters over high returns: Wealth creation depends not just on returns, but on how much capital is committed. A 25% return on a 1% allocation barely impacts net worth, while a steady 10–12% return on a 20–25% allocation meaningfully compounds wealth. High returns on tiny positions are hobbies; moderate returns on meaningful capital are strategies. Stop chasing 100x on 1% capital and focus on sustainable compounding with conviction-sized allocations.
  • Life and markets mirror each other: Most people run not out of need, but restlessness—chasing speed over peace. Markets punish the same behaviour. Panic creates noise, not wealth. What is meant for you will find its way—without rushing past joy or conviction.

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