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  Direct Investing Looks Easy on Twitter, Insta & Facebook Only 😂 Social media often highlights quick profits and success stories. However, real investing requires time, research, discipline and emotional balance. Tracking markets daily, analysing results, and managing volatility is not easy for everyone. If you do not have the time or skill, consider starting with Mutual Funds in the initial phase of investing. Mutual Funds offer: • Professional fund management • Diversification • Systematic investing (SIP discipline) • Structured approach aligned with financial goals Invest with patience. Invest with discipline. If you are planning to start an SIP or wish to review your existing mutual fund investments, feel free to connect for a suitable and goal-based discussion. Rajesh Kathpalia, CFP® AMFI Registered Mutual Fund Distributor ARN – 257079 📞 98916 45052 Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

  📊 Sectoral Valuation Snapshot – India Some sectors are currently trading below their long-term average valuations , while others are above historical averages . 🟢 Below 10-year average valuations: • Private Banks – valuations reasonable • Public Sector Banks – still attractively placed • Consumer sector – valuations have cooled from earlier highs • Infrastructure – valuations remain supportive for long-term growth ⚠️ Above 10-year average valuations: • Capital Goods • Auto • Healthcare • Metals • Technology 🧠 Key takeaway: Better risk-reward appears in select financials, consumers and infrastructure , while some sectors may see limited near-term upside after strong performance. 📈 Diversification and sector selection remain important.

  💱📈 Rupee at highs – Opportunity for Indian equities? Historically, whenever the USD/INR reached peak levels (rupee at weaker levels): ➡️ Indian equities rebounded strongly in the following years ➡️ An inverse relationship is visible at market extremes 📊 Past examples show: • Rupee peaks around 51, 69, 76, 92 were followed by higher Nifty levels • Equity markets responded positively over the medium to long term 🧠 Key takeaway: Currency weakness at extremes has historically created opportunities in Indian equities , rather than a reason to panic. 📈 Long-term investors should stay invested and focus on fundamentals, not short-term currency moves.