저자: 미상 · 외국인
요약 보기
Peter Lynch의 'Learn to Earn' 책을 힌디어로 요약. 복리 효과로 소액 투자도 장기적으로 큰 자산이 될 수 있으며 조기 투자 필요. 시장 타이밍은 실패 확률이 높아 피하고 좋은 기업을 장기 보유하라는 주장. 가격보다 기업의 펀더멘털 분석이 중요. 실패는 불가피하며 실수에서 배우라는 메시지. 투자 전 학습 우선 권고.
다듬은 글
Today we're going to talk about the book "Learn to Earn." Let's explore what this book teaches us. It was written by Peter Lynch. Why is Peter Lynch so famous? He's considered the world's most successful fund manager. He managed a Fidelity mutual fund, delivering profits of approximately 29% for several years.
Therefore, he's considered one of the world's greatest investors. Friends, who is this book "Learn to Earn" for? This book is for all those who want to become rich. If you've come across this video, you also want to become rich. So, be sure to watch the entire video and like it. You can also leave your suggestions in the comments.
So, friends, let's understand that this book is for all those who want to become rich and achieve something big in their lives. This is one of the best books on personal finance ever written.
Friends, there's a very important topic that isn't taught to us at all in our schools and colleges: investing. We're taught math, and we're taught other things, but simple things. We are not taught how to evaluate companies using mathematics. We are also taught a lot about patriotism, but we are not taught how we can contribute to the progress of our country by helping to grow its economy. We are not taught about saving, that is, how saving money from an early age and putting it to work, that is, investing it in the right place, can make our future prosperous.
Today we will tell you about the Hindi summary of the book "Learn to Earn," written on personal finance. Come on, friends, let's know the power of money. We all do not really understand the power of money. We all think that if we are going to buy something worth ₹1, then we think that our ₹1 will be spent. But how do the big investors, who really understand the power of money, look at any expense?
Let us know. If Peter Lynch has to spend ₹1, he will first think: if I do not spend this ₹1 and invest it instead, and it brings a profit of only 24% per year, then in 20 years, ₹1,000 of today will be worth approximately ₹1 lakh. They think that if I spend ₹1,000 here today, I am not losing ₹1,000; I am losing ₹1.25 lakh after 20 years.
Whenever you think about the money you are spending today, consider how much you would save if you invested it wisely in the stock market or somewhere else and let it remain invested for several years. Only then will you understand the true power of money. Make any small savings and invest them properly.
It does not matter how much your income is. Save as much money as you can and keep investing it in the market. After some time, after 15-20 years, it is certain that you will have a very good amount of money. This is called the real power of money. Worry about the future value, not today. Many people will also think that inflation will increase after 15-20 years too. It will go on, but if you look at the data, inflation grows at a rate of about 6%, so if you buy stocks wisely, you could become 30 times richer in the next 15-20 years.
Friends, timing the market means always thinking that if I bought a stock for ₹1,000,000 and it comes to ₹2,000,000, then I will sell it, and buy it again when it falls. It is possible that by doing this he may succeed once or twice, but it gets the investor into the habit of buying a stock, earning 10-20% on it, selling it, and buying it again when the stock goes down. They think of earning through this cycle. But here Peter Lynch has said that no matter how big an investor in the world, no one has ever been able to time the market.
If the big people in this field could not do something, then our chances of success in it are also very slim. Why should we do something with so little chance of success? So avoid it. For example, suppose you bought a good share for ₹1 and kept it until ₹150, but as soon as it hit ₹150 you sold it, thinking it would come down to ₹120 or ₹130. If the same share then rises from ₹150 to ₹1,000, you have lost the opportunity to earn 10 times over, just because of the greed of wanting to buy it back cheaper. If you have bought shares in a good company whose fundamentals are good and you have faith in it, then you should avoid timing the market in pursuit of an extra 10-20%. If it is a good share, then whether it falls or rises, hold it for a long time; only then will you be able to make good money.
Friends, learn from failure. A common investor comes to this market with big dreams. He has a lot of expectations from the share market. He always thinks he should always be successful, should not buy the wrong share, and that the mutual fund he invests in should always go up. In their quest to find the right stock, they seek advice from everywhere, but that's not always possible.
If you've entered the stock market, assume you will inevitably incur losses. There's no one in this market who hasn't suffered a loss. So don't be afraid to fail. The failure rate of all the big investors in the stock market is very high. It's not that they fail only occasionally; they fail a lot, too. They also sometimes buy very bad stocks. But what they do is hold the good stocks for a long time. If a stock goes up 10 times from ₹1, it will compensate for five of your losing shares. Suppose you invested ₹100 in 10 places, or ₹1,000,000 in 10 places, and one of your shares increases 10 times while the remaining nine go down to zero. You're still at no profit, no loss.
What are you doing wrong? You have bought shares. You have bought the wrong shares. If you have incurred a loss, learn from it. What mistake did you make, and with what thought did you buy the share that went wrong? What was your assumption? Perhaps you could not understand the management of that company, or you could not understand that industry, or you over-trusted that company's product. What was the problem that made that company flop? Next time, correct that mistake and buy shares with caution. In this way, when you keep reducing your mistakes, a day will come when you are able to buy good shares consistently. You don't need many; if you find just 10 stocks whose price has increased 100 times, you will be successful in making a good amount of money.
Prices are not the top priority. The price of a share is not your main priority. Suppose you are told there is a mobile phone worth ₹10,000. Will you buy it or not? You will immediately say, how can I buy it without knowing more? You'd want to know about that mobile: its model number, how much RAM it has, how its battery performs, how many megapixels its camera has. When we want to know everything about every item before buying it, why doesn't this happen with shares? When it comes to shares, the first thing we ask is what the current price is. That price has no meaning unless we know the quality of the company, how weak or strong it is, what its management's balance sheet looks like, and what its future plans are.
When we know all this, only then does the price of that share become meaningful. Only then can we judge whether the share is available cheaply or expensively. Without knowing all this, we all make the mistake of asking the price whenever a share's name comes up. First of all, read about that company, and only then decide something. The price of any share does not say anything in itself.
Friends, start early. It is very important to start as early as you can. Especially young people think that right now they don't have much money and can only save ₹500 or ₹1,000 a month. No matter how little you can save, it's important to start. The less money you have to start with, the better. Mistakes are more likely in the beginning, and you learn from them. If you have less money, the pain of making mistakes will be less.
This is the best time to start investing in our country. Today there are zero-brokerage platforms that charge no commission, such as Zerodha or Upstox. If you want to invest in mutual funds, applications like Groww or Kuvera let you buy mutual funds without any commission. So, start investing as early as possible.
The world's greatest investor, Warren Buffett, has been investing since a very young age. He was 10 years old when he earned money by selling newspapers and Coke bottles and invested his savings in the stock market. He always looks for good companies and holds them for many years.
Finally, I would like to tell you that you should invest your small savings wisely. Savings can be invested in buying shares in the stock market or in mutual funds. But just as you must learn and practice to drive a car before you drive it, it is important to learn about investing before putting your money anywhere. So first of all, your goal should be to learn about investing, then invest your hard-earned money in the right place and earn a profit.
Friends, this was the Hindi summary of the book "Learn to Earn," which I hope you found very useful. I hope you have learned a lot from it. If you liked this video, please share it with your friends so that more people learn about investing and gain knowledge. If you are new to the channel, subscribe and press the bell icon. We will meet you in the next video. Thanks for watching.
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