Franky Fernandes
Franky Fernandes
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You will NEVER FEAR the falling market again, trust me, you will only make long term WEALTH
The Indian stock markets have been falling consistently in the last 2 months and many have lost their capital gains and may continue losing. So, what is the best strategy?
Fear will make you stop your long term investing or you will stay status quo. But what if I told you there is a BETTER WAY.
Watch this video and understand what is happening right now and how to stay simple and use this simple strategy. You will definitely make money.
4 things you can do:
1. Continue SIP
2. Increase SIP allocation
3. Move funds from savings, liquid, bond funds to equities
4. Sell bad quality stocks and buy good quality stocks
Check out my new book - Harmony and Money
amzn.in/d/hxGWKAi
Join my newsletter where I talk about growing wealth and relationships
dashboard.mailerlite.com/forms/84727/63069759012340784/share
check my new website frankyfernandes.com
UA-cam channel: ua-cam.com/channels/wYIJuSKZTcOvw6x1TKAX1Q.html
Instagram handle: frankynfernandes
Переглядів: 1 182

Відео

HURRY UP! every month you delay, you will REGRET for years and you can't reverse the LOSS16:05HURRY UP! every month you delay, you will REGRET for years and you can't reverse the LOSS
HURRY UP! every month you delay, you will REGRET for years and you can't reverse the LOSS
Переглядів 93614 днів тому
Delay in investing is underestimated hugely. If you just knew what it costs if you delayed investing, you would never ever delay. I regret this one thing in my life when it comes to growing wealth that I delayed regular SIPs. Only when you see the shocking numbers you would know what it cost. Cost of delay is truly costly and one should never delay in investing. Every year, month and days of de...
Its NOT IMPOSSIBLE if you take it SERIOUSLY now but if you fool around now, then it can be DISASTER13:36Its NOT IMPOSSIBLE if you take it SERIOUSLY now but if you fool around now, then it can be DISASTER
Its NOT IMPOSSIBLE if you take it SERIOUSLY now but if you fool around now, then it can be DISASTER
Переглядів 1,1 тис.21 день тому
Retirement years is not OLD AGE, its 30-40 years of your best life. Make it count now by making the right financial decisions. Every year of savings and investments in your golden years (30-40) will only take you to your financial destination soon. Dont think retirement years is 25-30 years from now. Think post retirement years is 25-30 years from then. Make the best decisions now when you are ...
ASK these questions today and see the DIFFERENCE it starts making to your FINANCIAL decisions20:43ASK these questions today and see the DIFFERENCE it starts making to your FINANCIAL decisions
ASK these questions today and see the DIFFERENCE it starts making to your FINANCIAL decisions
Переглядів 128Місяць тому
Questions are important part of our lives and asking the right money questions will lead you in the path which the wealthy take but many don't ask these questions. Good questions lead us to good thinking and good behaviour. In this video you will find 3 pertinent questions wealthy ask and keep growing their wealth. The unwealthy fail time and again and wonder why they are not able to grow their...
ASK the RIGHT money questions and you will be 100% on the path to FINANCIAL FREEDOM24:37ASK the RIGHT money questions and you will be 100% on the path to FINANCIAL FREEDOM
ASK the RIGHT money questions and you will be 100% on the path to FINANCIAL FREEDOM
Переглядів 167Місяць тому
Its natural to ask WRONG questions when you are financially struggling but when you start asking the RIGHT questions you can turnaround things financially. A wrong question can lead to into trouble, as much as a right question can take you out of trouble. So look at yourself and ask what questions are you asking about money? Are they good questions? Will they lead you to financial freedom or th...
You DON'T have to! You can multiply your Net-worth from 30s to 40s - the GOLDEN years of investing40:47You DON'T have to! You can multiply your Net-worth from 30s to 40s - the GOLDEN years of investing
You DON'T have to! You can multiply your Net-worth from 30s to 40s - the GOLDEN years of investing
Переглядів 1,1 тис.Місяць тому
Don't get distracted and miss the opportunity to GROW your wealth when you are just married and in your 30s. Don't get distracted by friends, peers, colleagues and buy things you don't need by taking loans. The best thing to do as a young couple is do FINANCIAL PLANNING from an expert who can help you with your financial goals. Otherwise, watch videos like this: ua-cam.com/video/IIgmbzH-MLo/v-d...
You are LOSING if you don't keep pace with the Markets! Learn how you can GROW as fast as the market28:57You are LOSING if you don't keep pace with the Markets! Learn how you can GROW as fast as the market
You are LOSING if you don't keep pace with the Markets! Learn how you can GROW as fast as the market
Переглядів 242Місяць тому
Indian markets are at all time high and there's no sign of stopping. The faster it goes up, the faster you have lost your wealth notionally if you don't keep pace with the stock markets. Despite the market having grown by 32% in the last one year, many individual portfolios may have not grown despite being invested in the market. Why? This is what this video covers. Basically there are three ca...
I GUARANTEE there are one or more of these 7 reasons WHY you did not invest and so will lose CRORES28:58I GUARANTEE there are one or more of these 7 reasons WHY you did not invest and so will lose CRORES
I GUARANTEE there are one or more of these 7 reasons WHY you did not invest and so will lose CRORES
Переглядів 5772 місяці тому
Looking at the last 5 years returns from stock markets / mutual funds, anyone would regret a bit in some way or the other, even to those who invested. But the greatest regret is for the one who never invested and also could not invest. Going by simple math, someone who did not invest Rs 5000 per month in the last 5 years has potentially lost more than 2 crores in the next 25 years. There are go...
After watching this, you won't DELAY investing one more day - This could be an EYE-OPENER31:38After watching this, you won't DELAY investing one more day - This could be an EYE-OPENER
After watching this, you won't DELAY investing one more day - This could be an EYE-OPENER
Переглядів 9832 місяці тому
Many have underestimated the loss of returns by not investing early. They underestimate because they discount time and compounding. If everyone in the world knew this secret or truth no one would delay even one day of their life This video is part 1 of the series on 'Money you lost by not investing in the last 5 years'. Most think that because they didn't invest in the last 5 years they lost th...
SURPRISE your husband, he needs your SUPPORT - It's a MYTH that only men are good at managing money!1:13:27SURPRISE your husband, he needs your SUPPORT - It's a MYTH that only men are good at managing money!
SURPRISE your husband, he needs your SUPPORT - It's a MYTH that only men are good at managing money!
Переглядів 5232 місяці тому
Its given that men will manage money after marriage and the woman is supposed to be doing house chores, even if she is working. I disagree and believe many men are in debt, poor managers of money and have failed to grow their wealth because their wives never took active part in household finances or maybe the husbands assume they cannot manage money. It is a myth that only men can manage money....
In the last 5 years they gave BETTER RETURNS than some LARGE company shares by a BIG margin?32:53In the last 5 years they gave BETTER RETURNS than some LARGE company shares by a BIG margin?
In the last 5 years they gave BETTER RETURNS than some LARGE company shares by a BIG margin?
Переглядів 4012 місяці тому
Investing in Index funds was never so rewarding like in the last 5 years when quite a few companies and even active mutual funds did not perform as good as these funds. While large cap equities should form part of anyone's core portfolio, some exposure to index funds makes sense and that is what is seen in the last 5 years performance. Another positive about index funds is there are different k...
You investments would have TRIPLED in 5 years but there are MORE important questions to ask!50:55You investments would have TRIPLED in 5 years but there are MORE important questions to ask!
You investments would have TRIPLED in 5 years but there are MORE important questions to ask!
Переглядів 1533 місяці тому
Large cap mutual funds are probably among the best category of equity funds that cater to a new investor and also a seasoned investor. A new investor with even a low risk profile can safely invest in large caps and not fear and a veteran investor invests without fear because they are safe and solid. Large cap funds must form part of everyone's core portfolio. Some in these times are more inclin...
If you don't OWN one of the SAFEST categories of equity shares, you are missing an important ASSET55:47If you don't OWN one of the SAFEST categories of equity shares, you are missing an important ASSET
If you don't OWN one of the SAFEST categories of equity shares, you are missing an important ASSET
Переглядів 1143 місяці тому
There is little doubt equities are the best asset classes for long term investing. Equities have given not less than 15% returns in India over the last 30 years. Large cap equities are the safest of all the categories including mid-cap, small-cap and micro-cap. These are the large and established companies which have existed for decades and continue to perform and give handsome returns. There i...
Why 'My Favorite Asset' is WRONG: The Power of Diversification - Learn about other asset classes50:27Why 'My Favorite Asset' is WRONG: The Power of Diversification - Learn about other asset classes
Why 'My Favorite Asset' is WRONG: The Power of Diversification - Learn about other asset classes
Переглядів 1353 місяці тому
As investors we tend to prefer certain asset classes (Cash, equities, bonds, etc) over others and that is a sub-optimal strategy. For example equities or real estate are some preferred asset classes but having only those asset classes will not help you maximise returns and minimise risks It is best to learn about different asset classes so that one can spread the risk and accelerate returns. I ...
Most UNDER-RATED topic in personal finance yet the single most important strategy to build WEALTH1:22:03Most UNDER-RATED topic in personal finance yet the single most important strategy to build WEALTH
Most UNDER-RATED topic in personal finance yet the single most important strategy to build WEALTH
Переглядів 3863 місяці тому
Most UNDER-RATED topic in personal finance yet the single most important strategy to build WEALTH
You can't go WRONG, if you use this 5 step filter to find out YOUR right mutual fund1:17:40You can't go WRONG, if you use this 5 step filter to find out YOUR right mutual fund
You can't go WRONG, if you use this 5 step filter to find out YOUR right mutual fund
Переглядів 8793 місяці тому
You can't go WRONG, if you use this 5 step filter to find out YOUR right mutual fund
It is NOT how much you EARN or OWN but your habits, choices, disciplines and planning for your money2:05:34It is NOT how much you EARN or OWN but your habits, choices, disciplines and planning for your money
It is NOT how much you EARN or OWN but your habits, choices, disciplines and planning for your money
Переглядів 4844 місяці тому
It is NOT how much you EARN or OWN but your habits, choices, disciplines and planning for your money
You get this CHANCE only once in a lifetime, DON'T neglect this great opportunity for your child1:30:30You get this CHANCE only once in a lifetime, DON'T neglect this great opportunity for your child
You get this CHANCE only once in a lifetime, DON'T neglect this great opportunity for your child
Переглядів 6524 місяці тому
You get this CHANCE only once in a lifetime, DON'T neglect this great opportunity for your child
You are absolutely WRONG! you don't need finance knowledge to build wealth, its easy and rewarding1:08:29You are absolutely WRONG! you don't need finance knowledge to build wealth, its easy and rewarding
You are absolutely WRONG! you don't need finance knowledge to build wealth, its easy and rewarding
Переглядів 1,1 тис.4 місяці тому
You are absolutely WRONG! you don't need finance knowledge to build wealth, its easy and rewarding
DON'T blindly follow most people and take bad advice but GROW your wealth with smart decisions51:40DON'T blindly follow most people and take bad advice but GROW your wealth with smart decisions
DON'T blindly follow most people and take bad advice but GROW your wealth with smart decisions
Переглядів 9644 місяці тому
DON'T blindly follow most people and take bad advice but GROW your wealth with smart decisions
Follow these 7 things and your marriage and money both will be rewarding59:30Follow these 7 things and your marriage and money both will be rewarding
Follow these 7 things and your marriage and money both will be rewarding
Переглядів 3875 місяців тому
Follow these 7 things and your marriage and money both will be rewarding
If only you believe in the miracle of compounding, you will grow your wealth exponentially30:12If only you believe in the miracle of compounding, you will grow your wealth exponentially
If only you believe in the miracle of compounding, you will grow your wealth exponentially
Переглядів 2185 місяців тому
If only you believe in the miracle of compounding, you will grow your wealth exponentially
Remember these 3 things and you will only grow and multiply your wealth23:44Remember these 3 things and you will only grow and multiply your wealth
Remember these 3 things and you will only grow and multiply your wealth
Переглядів 8176 місяців тому
Remember these 3 things and you will only grow and multiply your wealth
Its never too late, just follow the step-by-step approach and you will grow wealth fast31:03Its never too late, just follow the step-by-step approach and you will grow wealth fast
Its never too late, just follow the step-by-step approach and you will grow wealth fast
Переглядів 3626 місяців тому
Its never too late, just follow the step-by-step approach and you will grow wealth fast
STOP if you are the wrong kind of spender, become the right kind of spender30:15STOP if you are the wrong kind of spender, become the right kind of spender
STOP if you are the wrong kind of spender, become the right kind of spender
Переглядів 1826 місяців тому
STOP if you are the wrong kind of spender, become the right kind of spender
Don't make these wrong choices which eat on your wealth23:21Don't make these wrong choices which eat on your wealth
Don't make these wrong choices which eat on your wealth
Переглядів 4187 місяців тому
Don't make these wrong choices which eat on your wealth
If your financial goals are maturing few months or within a year you should do this14:01If your financial goals are maturing few months or within a year you should do this
If your financial goals are maturing few months or within a year you should do this
Переглядів 1767 місяців тому
If your financial goals are maturing few months or within a year you should do this
you can't create wealth if a spender marries a spender, you must change9:06you can't create wealth if a spender marries a spender, you must change
you can't create wealth if a spender marries a spender, you must change
Переглядів 827 місяців тому
you can't create wealth if a spender marries a spender, you must change
Is this the best combination - a saver marrying a saver?10:28Is this the best combination - a saver marrying a saver?
Is this the best combination - a saver marrying a saver?
Переглядів 1297 місяців тому
Is this the best combination - a saver marrying a saver?
What makes us a spender? saver? Giver? What influences us?11:45What makes us a spender? saver? Giver? What influences us?
What makes us a spender? saver? Giver? What influences us?
Переглядів 707 місяців тому
What makes us a spender? saver? Giver? What influences us?

КОМЕНТАРІ

  • @Hello-bn2yc
    @Hello-bn2yc 16 годин тому

    hi Frankie, I would like to rebalance my portfolio, let me know how I can consult you for your professional service

    • @Frankynfernandes
      @Frankynfernandes 7 годин тому

      Sure! drop me a message on connect@frankyfernandes.com

    • @Frankynfernandes
      @Frankynfernandes 7 годин тому

      Sure! Fill this form below: docs.google.com/forms/d/1jXE67XXHxJkMRM9_h0EBhOlTkgDFJ1KEbpyGu3q2Xik/edit

    • @Hello-bn2yc
      @Hello-bn2yc 2 години тому

      @Frankynfernandes done

  • @Hello-bn2yc
    @Hello-bn2yc 17 годин тому

    Thank you Frankie... as usual great content

  • @2makmak6
    @2makmak6 День тому

    Good and thank you. Take someone help for editing and presentation.

    • @Frankynfernandes
      @Frankynfernandes 22 години тому

      sure, thank-you will try and take help. appreciate your comments

  • @vchandm23
    @vchandm23 2 дні тому

    Too slow.come to point quickly and reduce the video to 10 minutes.

    • @Guiding100
      @Guiding100 2 дні тому

      You have the option to increase the speed if you want 😅

    • @vchandm23
      @vchandm23 2 дні тому

      @Guiding100 even 2x is not helping :)

    • @Frankynfernandes
      @Frankynfernandes 2 дні тому

      Thanks for your feedback @vchandm23. Point noted! My videos are for NOT for seasoned investors, so I want most watching this channel to understand. Please watch my other videos and share your comments.

    • @videoview5179
      @videoview5179 День тому

      There is a saying that if a person is impatient to watch few minutes of video to improve knowledge then that person cannot stay invested for long term in stock markets

    • @vchandm23
      @vchandm23 День тому

      @@videoview5179 - Haha. Just a constructive criticism. That's all, since the author asked for it. Just a bit of more presentation is needed if the author is looking for more subscription and considering this as a mainstream reach out for his business. Just because a person comments that doesn't mean he ain't an investor or an impatient trader.

  • @PIXEL00000
    @PIXEL00000 2 дні тому

    Good One

  • @Frankynfernandes
    @Frankynfernandes 4 дні тому

    I will be happy to hear your comments on this video - let me know if you LIKE this or if you were EXPECTING anything else

  • @prashanthkumar5878
    @prashanthkumar5878 13 днів тому

    Very useful video.. Understood the importance of starting investment now. Waiting for best mutual funds video

  • @CoolWints
    @CoolWints 17 днів тому

    Very very nice video sir 👌 . Thanx for such a nice and clear to understand video. I am from Hyderabad. Yes, we can tolerate spicy and tangy food 😂. Are you related to Clayton sir ? He is a music teacher in Hyderabad. You have cleared my doubts and put me at ease. Thank you sir. God bless you. I am saving this video 😊.

    • @Frankynfernandes
      @Frankynfernandes 16 днів тому

      Thanks for your kind words! happy to know that you are from Hyderabad and you found this video useful. NO, I am not related to Clayton☺

  • @denisdas8848
    @denisdas8848 19 днів тому

    Really practical session that meets today's needs

  • @adarshkikalamse2432
    @adarshkikalamse2432 19 днів тому

    Thank you for the Information. Very Helpful.

  • @shijotg
    @shijotg 24 дні тому

    Can you share the calculations if somebody has to retire at age 50 today with 75,000 monthly expenses?

  • @denisdas8848
    @denisdas8848 25 днів тому

    Great information...!!

  • @satrek98
    @satrek98 26 днів тому

    sip please explain and which company best we can invest, Please do video on sip

    • @Frankynfernandes
      @Frankynfernandes 20 днів тому

      watch my video : announcing the best mutual funds NOT for you - will give you a good idea on which funds to invest: ua-cam.com/video/JfnCgRp-6Oo/v-deo.html

  • @jenujames
    @jenujames 26 днів тому

    Could share the excel sheet?

    • @Frankynfernandes
      @Frankynfernandes 20 днів тому

      check the description, i have attached the link

  • @kidsmemories7838
    @kidsmemories7838 26 днів тому

    Thank you anna for sharing this!

  • @Frankynfernandes
    @Frankynfernandes 26 днів тому

    If you are 30 , let me know in the comments if you have started your plan for 8 crores. Any help you need write here

  • @Frankynfernandes
    @Frankynfernandes Місяць тому

    These are just the top 3 questions. In my later videos I can cover other questions. It's a short video, watch the full video and do comment below, like or dislike but please let me know what you liked, what you didn't. Hope you only ask the RIGHT questions and become financially free early in life

  • @Hello-bn2yc
    @Hello-bn2yc Місяць тому

    Thank you Franky. Agree it always start with asking the right question

  • @Hello-bn2yc
    @Hello-bn2yc Місяць тому

    Thank you Franky. This Spreadsheet too was excellent, and very informative video

  • @Hello-bn2yc
    @Hello-bn2yc Місяць тому

    Hi Franky... I thought I was an Excel Guru, but I just love the simplicity and the thought process that is gone into developing this. Great job bro. Loved it. Subcribed and downloaded a lot of your content to listen while I am on the road.

    • @Frankynfernandes
      @Frankynfernandes Місяць тому

      I am so happy that you found it useful. God bless !

    • @Frankynfernandes
      @Frankynfernandes Місяць тому

      just remembered - watch 'Common financial goals' video too. You can download the sheet where you can enter multiple goals e.g. children education

    • @Hello-bn2yc
      @Hello-bn2yc Місяць тому

      @@Frankynfernandes thanks Franky. Will do

  • @Rakeshkumar-kp1mx
    @Rakeshkumar-kp1mx Місяць тому

    Very clear explanation 👌

  • @christopherinfimate794
    @christopherinfimate794 Місяць тому

    👌

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    ❤

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    ❤

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    ❤

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    ❤

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    ❤

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    ❤

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    Very good video ❤

  • @madhujusttalks5951
    @madhujusttalks5951 Місяць тому

    Very good video

  • @prasannalakshmichinnala327
    @prasannalakshmichinnala327 2 місяці тому

    Thanks for sharing..very useful information 👍

    • @Frankynfernandes
      @Frankynfernandes 2 місяці тому

      you are most welcome! all the best as you search for your right fund

  • @vkjohn12345
    @vkjohn12345 2 місяці тому

    ❤

  • @vkjohn12345
    @vkjohn12345 2 місяці тому

    ❤

  • @lalitbishtfamilytravelvlog3262
    @lalitbishtfamilytravelvlog3262 2 місяці тому

    You are in mutual fund industry that's why you saying to invest only in mutual fund😂you your own investing in house,LiC and every instrument 🤣

    • @Frankynfernandes
      @Frankynfernandes 2 місяці тому

      I made lot of mistakes, so I don't want others to make the same. If you know of a better way to invest than mutual funds please share

    • @jeevankhanapuram3699
      @jeevankhanapuram3699 2 місяці тому

      Yes sir please

  • @babaji02
    @babaji02 2 місяці тому

    Hii sir...Iam 21 yrs old and I already started sip in mutual fund but I don't have any financial goals...how can I find it

    • @Frankynfernandes
      @Frankynfernandes 2 місяці тому

      retirement goal is for everyone plus wedding expenses, buying a car can be a financial goals for you

  • @duraisamya3068
    @duraisamya3068 2 місяці тому

    You are very correct, I got a good returns in MO Mid caps MF and SIP in HDFC small cap mf for the past 6 yrs,up to 65% returns, well said, true, thanks for your information and, will be very useful information about investment in MFs for the new investors coming to market in the near future, super

    • @Frankynfernandes
      @Frankynfernandes 2 місяці тому

      That's great @duraisamya3068. you did what most Indians haven't done. Believed in mutual fund SIP, you were disciplined, you were long term focused, your timing was perfect with midcap & smallcap. we need more investors like you. You are a good example. I would love to hear more from you - What made you do SIPs? why you invested in mid & small caps?

  • @MarapakaGlory
    @MarapakaGlory 2 місяці тому

    Thank you for the tips on financial management

  • @srividya3898
    @srividya3898 2 місяці тому

    Great 👍

  • @Frankynfernandes
    @Frankynfernandes 2 місяці тому

    My other related videos on this topic or which I have referred in my videos ua-cam.com/video/M8WDTWg8u30/v-deo.html (Asset allocation) ua-cam.com/video/JfnCgRp-6Oo/v-deo.html (Choosing a mutual fund) ua-cam.com/video/s3949C_PIFc/v-deo.html (wealth creation is simple) ua-cam.com/video/8xAyfMqmdN4/v-deo.html (compounding wealth) My instagram handle: instagram.com/frankynfernandes/ If anything's missing in this video, feel free to let me know.

  • @aldrinbogi
    @aldrinbogi 2 місяці тому

    Wonderful video that deserves to be seen by many more. I love your illustrations to help common people understand uncommon terms. Thank you...

  • @Kenin7-h6e
    @Kenin7-h6e 2 місяці тому

    Nice one anna. Could you also provide information about small-cap investments? What should we consider and verify before investing in small caps give some examples?

  • @pnkrr
    @pnkrr 3 місяці тому

    Thank you for super helpful advice and information. These are really helping us to plan for better wealth management

  • @krupaanand7770
    @krupaanand7770 3 місяці тому

    Thank you for your efforts uncle. I have started investing from January by your suggestion. But this video gave me more insights on financial goals and risk profile.

    • @Frankynfernandes
      @Frankynfernandes 3 місяці тому

      I am so happy @krupaanand7770 that you found this helpful

  • @learningdestinationsamsir2851
    @learningdestinationsamsir2851 3 місяці тому

    Very informative... Thank You Bhaiya

  • @kidsmemories7838
    @kidsmemories7838 3 місяці тому

    Great work anna nd akka

  • @sanjoyadhikary7493
    @sanjoyadhikary7493 3 місяці тому

    Please make better arrangements of audio.

    • @Frankynfernandes
      @Frankynfernandes 3 місяці тому

      Thanks @sanjoyadhikary7493. you watched one of my old videos. I have since change my audio. Can you please check my latest videos and share your comments. thanks for taking time to share your feedback

  • @narendersachdev8220
    @narendersachdev8220 3 місяці тому

    Amazing content 👌👌

  • @HrishikRajeshKanade
    @HrishikRajeshKanade 3 місяці тому

    Great Work

  • @payambhadraiah1330
    @payambhadraiah1330 3 місяці тому

    Hello Franky Anna, can you provide me your contact number?

  • @TheBikerHulk
    @TheBikerHulk 3 місяці тому

    Never put all your eggs in one basket. This is an idiom we have grown with and in this video Franky takes this idiom to the next level of understanding it in the context of investments. A must watch to ensure you protect your investments to the maximum extent possible to get the maximum returns from the investment.