Dr Celso magic formula for wealth creation

“Financial success is simply the law of ‘Cause & Effect’ in motion; it is neither a miracle, nor good fortune.”

The road to riches is not a selfish one. There is enough money in the world for all of us to be wealthy. So why be poor then?

In this post, Dr Celso shares his magic formula that will help you create a never-ending pool of money.


Dr. Celso’s magical formula for wealth creation

Dr. Celso, India’s first financial doctor, aims to create multiple millionaires across India through his experience and easy-to-follow tips. And nothing is easier to follow than this magic formula for wealth creation that you are going to read in the next few lines.

If you want to grow rich, then start today on the following path to see the magic for yourself:

Aim: Create a money plant for yourself – A huge portfolio that never stops growing.

Method: Divide your income into the following heads:

  1. 25% for wealth creation (investing in the right financial products).
  2. 10% for wealth protection (insurance).
  3. 65% for expenditure.

Be strict: This is the hard part. As I said before, timing is everything. Make sure you do not take out anything from this pool for ten years. Keep investing and forget about it for ten years to see your money plant in full bloom after ten years.

The result: Over a period of time (at least ten years), you will be able to create a portfolio that would give you returns much larger than your monthly salary. Further, this pool replenishes automatically. If you take out 5 lakhs from your flourishing money-pool, it will fill up again in few months!

Isn’t the magic of compounding wonderful?

Top Tip: The creation of a healthy pool depends on choosing the right financial products. If you do not fertilize your plants and check them regularly for diseases, your plants may wilt and not flower well. As a beginner investor, you need a friend, philosopher and guide to lead you on the path to riches. Dr. Celso, with his financial expertise, can help you choose the right products and advise you on maintaining financial discipline for greater rewards.



Volatility and Investments

Every investor is made to fear market fluctuations and many-an-investor stay away from investing in equity and mutual funds as they consider market risk to be their biggest enemy.

Undoubtedly, investment returns are closely related to market volatility and investors stand to gain or lose from volatility, however, the thing that savvy investor must understand is that volatility is their best friend in the market.


Yes, you heard us right. It is a simple concept – if the market doesn’t go up and down cyclically, there will be no opportunities for new investors and sellers in the market.

Here’s why volatility is good for investors:

As the market descends on a downward trajectory, it becomes possible for investors to buy erstwhile high priced shares at low prices. Though many investors take advantage of low prices, they lose their cool if share prices fall further and register a huge loss.

However, in such a case, volatility is not the culprit, but bad investment strategy is. In order to get returns, the entry time and exit time is key. You have to wait for a period of time to take full advantage of the cyclic nature of equity markets. History has proven time and again that whatever goes down comes back up, much stronger. In fact, many funds gave best returns in the five year period post the global financial crisis.

Equity investments have provided returns over 15% over a long term horizon. It is also true that slumps in the market are always followed by recovery and growth. A patient investor understands this and befriends volatility for sound investment strategy.

Key takeaways:

  1. Volatility is the friend of patient investors.
  2. Markets are cyclic in nature. Slumps have historically been followed by growth.
  3. Do not try to time the market. Instead, time your entry into the market.
  4. Align your investments to your goals to plan effectively for the future.
  5. Consider professional financial management services by an expert like Dr. Celso at NaveMarg to have your money working for you.

5 ways to save tax

Are you surprised that your monthly pay cheque happens to be much lesser than your CTC? It is quite possible that heavy taxes are burning a hole in your pocket.

The progressive taxation in India is a concept many find hard to understand and this lack of knowledge and inefficient tax planning can lead to thousands being deducted from your salary.

If you recently faced the wrath of the taxman, this new financial year plan your investments smartly and save tax legally by planning ahead.


Section 80C of the IT Act is the most common section under which one can claim tax deductions. You can invest a maximum of INR 150,000 per financial year in any of the following schemes and claim tax deductions against your salary for the particular amount:

  • ELSS – ELSS or Equity Linked Saving Schemes are really the only instruments that give real returns above inflation. As far as liquidity, tax benefits on maturity and flexibility are concerned, ELSSs outscore most of the other investment options, offering tax free returns on maturity. ELSSs are great for investors who have a risk appetite. Linked to the market, they are volatile in nature but have consistently given returns over 14% on a long-term horizon. It is possible to start investing in ELSS online. Choose a well-performing fund and invest in a lump sum or opt for SIP to spread your risk.
  • SIPs or Systematic Investment Plans – Apart from promoting disciplined savings, SIPs also offer returns of over 10% on a medium to long-term horizon. You can start investing with as low as INR 500 per month and if you choose to systematically invest in an ELSS, you could also receive tax benefit under Section 80C.
  • PPF or Public Provident Fund – A historic favourite with most traditional investors, the budget this year has taken the sheen out of this investment scheme. From 8.7%, the annual interest has been brought down to 8.1%. However, those who are looking for safe and assured returns may still opt for PPF, as it is still one of the best traditional savings plan on the horizon.
  • School Fee – Deduction is allowed under Section 80C for tuition fee paid for your child’s education. Benefit can be claimed for maximum 2 children, and each spouse can claim for 2 children individually. This deduction is not available for funding spouse’s education and can only be claimed if you are not claiming tax benefit for your own education. Total cap of INR 150,000 under Section 80C applies.
  • House Loan – Take advantage of the low property prices to buy a house as well as save tax. The principal amount of the loan is deductible up to INR 150,000 under Section 80C but can only be claimed once the construction of the house is complete. The interest on your home loan is deductible under Section 24 subject to a maximum limit of INR 200,000. For first homebuyers, an additional deduction of INR 50,000 has been announced in the budget this year under Section 80EE.

 Take the lead on your taxes now. Start the financial year on a fresh note by getting in touch with Dr. Celso at NaveMarg for innovative and easy to follow investment advice.

Advantages of starting early

The early bird gets the worm…and the early investors get the maximum returns!

As with everything else in life, it is best to start early with your financial planning and investments. Even though you may not be earning much at the beginning of your career and may be reeling under the weight of your education loan or craving to buy the most expensive gadgets in the market, nothing makes more sense than fixing an amount (even if small) to be invested monthly from the day you start earning.


Here’s why starting early would benefit you:

More time to save

While the retirement years may be the last thing on your mind when you begin working, the earlier you start investing, the more time you get to build your retirement corpus. With disciplined investments, you can also realize your short term goals of buying a car, taking an international vacation and even saving up for a deposit to buy a home.

The magic of compounding

Compounding is the most wonderful thing in the world of finances. Compounding refers to earning interest on the interest earned by you by continually reinvesting it. Even a small amount of INR 1,000 invested monthly can make a huge impact on your savings, thanks to the magic of compounding.

For example, 24 years old Xavier starts investing INR 2000 a month at 10% per annum for 15 years. When he retires at the age of 60 years, he has a corpus of INR 579,098.86.

On the other hand, his friend Xach starts saving at the age of 35 years and continues to invest INR 2000 every month at a rate of 10% per annum till he retires at the age of 60 years. When he retires, he has a corpus of 238,032.94.

The above example clearly shows the effect of time and compounding on your investments. By only saving for 15 years at the start of his career, Xavier received a much bigger corpus on retirement than Xach, who invested the same amount for 25 years, but started investing much later than Xavier.

Ability to take more risks

We all know that market linked investments such as mutual funds and equity give much larger returns than conventional debt instruments such as bank deposits, provident fund and the likes. However, market linked investments also pose much greater risks as markets are volatile in nature. When you are young and don’t have many responsibilities, it is possible to invest in high risk instruments and gain from them as you have the advantage of observing the market over a long time period.

Control over expenditure

Old habits die hard. So why not inculcate good spending habits right from the start? When you decide to begin investing early, it means you have decided to take control of your finances early on in life. This also means there are lesser chances of you getting into bad debts in the future or straying from your financial goals.

At NaveMarg, Dr. Celso has been advising investors like you to achieve their financial goals, effectively. Get in touch to take control of your finances, now.