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Safal Niveshak

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The Art of Stillness

I have started this new weekly newsletter – The Almanack of Good Life – to share all that I am reading and reflecting upon about living a good life. It’s a new attempt, but I hope to take this far. In this age of constant information overload, I’ve found immense value in taking time to pause and reflect upon meaningful insights about life. This newsletter is my way of sharing that journey with you.

Each week, I’ll curate a selection of thought-provoking ideas, inspiring quotes, and practical wisdom I’ve encountered in my readings and personal reflections. My goal is to create a space for us to explore together what it means to live with purpose, kindness, and fulfilment. I look forward to your kind support.

[Read more…] about The Art of Stillness

Charlie Munger on Patience, Wisdom, and the Power of Changing Your Mind

An announcement before I begin today’s post.

I have opened admission to the August 2024 cohort of my Online Value Investing Workshop, which has already been taken by 1800+ students ever since I launched it two years ago. Here is what you get when you sign up for this workshop – 

  • 30+ hours of pre-recorded lectures and Q&A videos
  • 60+ questions answered in the Q&A
  • Live Q&A session of 3 hours on Sunday, 25th August 2024 (7 PM IST Onwards)
  • One-year unrestricted access to the entire content
  • 7 readymade screens to filter high quality stocks (and avoid the bad ones)
  • Bonus 1: Stock analysis spreadsheet (otherwise priced at ₹1999)
  • Bonus 2: Rethinking Financial Freedom Masterclass + The Art of Investing Masterclass (otherwise priced at ₹1998)

I am accepting 100 students for this cohort, and the first 30 can claim a special early bird discount on the registration fee. Click here to read the details of the workshop and sign up.


Welcome to the latest issue of ‘The Journal of Investing Wisdom’, where I delve into the thoughts, reflections, and readings that have recently captured my attention. This journal serves as a window into my contemplations and the resources that inspire and inform my journey as an investor. I hope you like what you read below. If you are new here, and wish to get insights and ideas like these straight into your inbox, please click here to become a member.

Become a wiser investor in just 5 minutes

Join The Journal of Investing Wisdom and receive insightful ideas on investing, stock analysis, and human behaviour. Plus, unlock access to free chapters of my upcoming books, multiple e-books, and my stock analysis excel. All for FREE!

No charge. Unsubscribe anytime.

What I’m Reading

Wit and Wisdom of Charlie Munger

I am a loner and have worked alone for almost the whole of my time at Safal Niveshak, which is for the past 13 years, but I understand the importance of having the right partner. For me, that partner is my wife. 🙂

But if you are looking to find a good partner for work, you may want to look into the 60-year long partnership of Warren Buffett and Charlie Munger, which sadly ended late last year with the passing away of Charlie.

[Read more…] about Charlie Munger on Patience, Wisdom, and the Power of Changing Your Mind

A Yogi’s Rules on Money and Happiness

Welcome to the latest issue of ‘The Journal of Investing Wisdom’, where I delve into the thoughts, reflections, and readings that have recently captured my attention. This journal serves as a window into my contemplations and the resources that inspire and inform my journey as an investor. I hope you like what you read below. If you are new here, and wish to get insights and ideas like these straight into your inbox, please click here to become a member.

Become a wiser investor in just 5 minutes

Join The Journal of Investing Wisdom and receive insightful ideas on investing, stock analysis, and human behaviour. Plus, unlock access to free chapters of my upcoming books, multiple e-books, and my stock analysis excel. All for FREE!

No charge. Unsubscribe anytime.

What I’m Reading

A Yogi’s Rules on Money and Happiness

I read an article recently written by Paramhansa Yogananda – of Autobiography of a Yogi fame – during the Great Depression in the US. It was titled Creating Your Happiness.

Not surprisingly, the principles laid out by Yogananda remain relevant even today, 90+ years after he wrote about them.

You see, the old rules of life or money never change and they only become tough on you when you ignore them. Like these golden rules laid out by Yogananda (the emphasis is mine), which if you continue to ignore, may make your life tough.

Over to Yogananda.

[Read more…] about A Yogi’s Rules on Money and Happiness

The Almanack of Good Life: How Life Flows

I am starting this new weekly newsletter – The Almanack of Good Life – to share all that I am reading and reflecting upon about living a good life. It’s a new attempt, but I hope to take this far. In this age of constant information overload, I’ve found immense value in taking time to pause and reflect upon meaningful insights about life. This newsletter is my way of sharing that journey with you.

Each week, I’ll curate a selection of thought-provoking ideas, inspiring quotes, and practical wisdom I’ve encountered in my readings and personal reflections. My goal is to create a space for us to explore together what it means to live with purpose, kindness, and fulfilment. I look forward to your kind support.


The Japanese Ensō symbol in the banner above represents wholeness and the cyclical nature of life, while also reminding us to embrace the imperfection and the beauty of our incompleteness. Its minimalist design reflects the Zen principle that less is more. It’s like a visual way of saying “life is a journey, not a destination” and “perfection is overrated.”

[Read more…] about The Almanack of Good Life: How Life Flows

The Psychology of Investing #1: Conquering the Investor’s Worst Enemy

The Sketchbook of Wisdom: A Hand-Crafted Manual on the Pursuit of Wealth and Good Life

Buy your copy of the book Morgan Housel calls “a masterpiece.” It contains 50 timeless ideas – from Lord Krishna to Charlie Munger, Socrates to Warren Buffett, and Steve Jobs to Naval Ravikant – as they apply to our lives today. Click here to buy now.


The Internet is brimming with resources that proclaim, “nearly everything you believed about investing is incorrect.” However, there are far fewer that aim to help you become a better investor by revealing that “much of what you think you know about yourself is inaccurate.” I am beginning this new series of posts on the psychology of investing, where I will take you through the journey of the biggest psychological flaws we suffer from that causes us to make dumb mistakes in investing. This series is part of a joint investor education initiative between Safal Niveshak and DSP Mutual Fund.


Why oh why are human beings so hard to teach, but so easy to deceive.

~ Dio Chrysostom (Greek philosopher and orator, 2nd Century)

Success in investing doesn’t correlate with I.Q. once you’re above the level of 25. Once you have ordinary intelligence, what you need is the temperament to control the urges that get other people into trouble in investing.

~ Warren Buffett

Anne Scheiber was 51 years old when she retired from her job as a low-level auditor from the American Internal Revenue Service in 1944. She never earned a salary of more than $4,000 per year, and although she was an exemplary worker, she never received a promotion. Maybe, because she was a woman and a Jew, the lots that were discriminated against in the workforce in general in the west during that period.

[Read more…] about The Psychology of Investing #1: Conquering the Investor’s Worst Enemy

Budget, Taxes, and the Power of Acceptance

Download “30 Big Ideas from Seth Klarman’s Margin of Safety” (E-Book)

*Also unlock access to free chapters of my upcoming books, multiple e-books, stock analysis excel, and membership to my newsletter – The Journal of Investing Wisdom.

(If you’re already a subscriber of my newsletter, you will receive a direct download link in your inbox soon)


Budgets, with all their economic mumbo jumbo and despite sometimes their big announcements (like increase in capital gains tax, no indexation benefit on real estate etc.), don’t really matter to you as an investor in the larger and longer scheme of things.

[Read more…] about Budget, Taxes, and the Power of Acceptance

Kenneth Andrade on Spotting Great Businesses, Market Cycles, and Playing the Long Game of Investing

The Sketchbook of Wisdom: A Hand-Crafted Manual on the Pursuit of Wealth and Good Life

Buy your copy of the book Morgan Housel calls “a masterpiece.” It contains 50 timeless ideas – from Lord Krishna to Charlie Munger, Socrates to Warren Buffett, and Steve Jobs to Naval Ravikant – as they apply to our lives today. Click here to buy now.

Become a wiser investor in just 5 minutes

Join The Journal of Investing Wisdom and receive insightful ideas on investing, stock analysis, and human behaviour. Plus, unlock access to free chapters of my upcoming books, multiple e-books, and my stock analysis excel. All for FREE!

No charge. Unsubscribe anytime.


In the 33rd episode of The One Percent Show, I talked with Kenneth Andrade, Founder and CIO of Old Bridge Capital Management and Old Bridge Asset Management. Kenneth has over 32 years of work experience in equity research and funds management, which includes a formidable track record managing some of India’s most successful equity funds.

[Read more…] about Kenneth Andrade on Spotting Great Businesses, Market Cycles, and Playing the Long Game of Investing

10 Questions on Money and Investing that Changed My Life (E-Book)

The Sketchbook of Wisdom: A Hand-Crafted Manual on the Pursuit of Wealth and Good Life

Buy your copy of the book Morgan Housel calls “a masterpiece.” It contains 50 timeless ideas – from Lord Krishna to Charlie Munger, Socrates to Warren Buffett, and Steve Jobs to Naval Ravikant – as they apply to our lives today. Click here to buy now.


As investors, we are constantly bombarded with a deluge of information, tips, and strategies, all promising to be the key to financial success. Yet, I believe that, amidst this noise, the true essence of understanding how to walk on this path lies not in the answers we seek or are thrown at us, but in the questions we ask.

[Read more…] about 10 Questions on Money and Investing that Changed My Life (E-Book)

Letter to A Young Investor #1: The Philosophy of Wealth

I am beginning this new series of letters on the art of investing, addressed to a young investor, aiming to provide timeless wisdom and practical advice that helped me when I was starting out. My idea is to help young investors navigate the complexities of the financial world, avoid misinformation, and harness the power of compounding by starting early with the right ideas and steps. This series is part of a joint investor education initiative between Safal Niveshak and DSP Mutual Fund.


Dear Young Investor,

I hope this letter finds you in great spirits.

I am happy to know that you have decided to become an investor and start at a young age. This is a great idea because an early start is an important step in your journey. I will talk more about the power of an early start as we move deeper into this series of letters.

You may be wondering, like all young ones do, “Why this series of letters on how to become an investor? Isn’t there enough information on the Internet already on how to invest to get rich fast?”

[Read more…] about Letter to A Young Investor #1: The Philosophy of Wealth

Safal Niveshak is 13 Years Old

The Sketchbook of Wisdom: A Hand-Crafted Manual on the Pursuit of Wealth and Good Life

Buy your copy of the book Morgan Housel calls “a masterpiece.” It contains 50 timeless ideas – from Lord Krishna to Charlie Munger, Socrates to Warren Buffett, and Steve Jobs to Naval Ravikant – as they apply to our lives today. Click here to buy now.


Why do we have to listen to our hearts?” the boy asked. “Because, wherever your heart is, that is where you will find your treasure.” – Paulo Coelho from The Alchemist.

Listening to the heart is often seen as a romantic notion, and like my wife tells me all the time, I am far from being one. But she knows how I did listen to my heart 13 years ago to start Safal Niveshak, and in doing so, I found my treasure.

As I sit down to write this, I’m filled with a profound sense of gratitude and reflection. It has been 13 years since I started Safal Niveshak, an initiative born out of a passion for teaching myself, and others, to become better investors. This journey has been nothing short of extraordinary, marked by countless lessons, challenges, and moments of triumph.

[Read more…] about Safal Niveshak is 13 Years Old
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Become a wiser investor in just 5 minutes

Subscribe to 'The Journal of Investing Wisdom' and receive insightful ideas on investing, stock analysis, and human behaviour. Plus, unlock access to free chapters of my upcoming books, multiple e-books, and my stock analysis excel. All for FREE!

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