Dear Investor,
Team VSFS wishes you a very Happy New Year to you and your loved ones.
As we look back, 2026 marks a personal milestone— 25 years have elapsed since I first
began my journey as a financial intermediary in the year 2000. It has been a fascinating and
fulfilling journey, and we owe this entirely to your trust, support, and patronage. My heart
felt thanks to my team members, my family, my principals, my peer group, service providers
and everyone else in the eco system, without whom this journey would not have been
possible.
We have recently crossed ₹250 Crores of Mutual Fund Assets Under Management. This
achievement reflects your trust and our ability to deliver across multiple market cycles.
What gives us the greatest satisfaction is empowering each investor to think big and achieve
financial goals in a structured manner.
The portfolio size of ~60% of our total clientele is below Rs 10 lacs. Similarly, ~17% of our
clients have a portfolio size in excess of Rs 50 lacs. We are happy to serve clients across a
wide range of portfolio sizes, with consistent commitment and attention to every client.
We have truly come a long way from pamphlet distribution and telephone-call driven sales
to a fully, integrated, phygital (Physical + Digital) platform that we now offer to our clients.
Over the years, the way we do business has evolved—from manual processes to digital
platforms (Our Investor Mobile App and our WhatsApp channel, Money Mentor}. Even as we
grow, the core of our relationship remains the same. We continue to be available whenever
you need us, staying true to our tagline – Lasting Values, Binding Relationships.
What happened in the markets and what is our outlook going forward?
Markets remain dynamic as always. In 2025, be it the record FII Outflows, unprecedented
Domestic IPO surge, indomitable spirit of DIIs spearheaded by the growing SIP cult, Silver &
Gold story, tariff concerns, depreciating INR, stagnant exports, there is a common message –
winners rotate. For long term investors, it is important to focus on proper asset allocation
and behavioral discipline rather than reacting to short-term noise.
As we move into 2026, our dedication remains strong — to thoughtfully nudge you closer to
realizing your financial goals.
Action Plan for 2026…
- Having conviction in India’s growth story helps investors stay the course with
- their portfolios, even through market cycles and short-term volatility.
Focus on what you can control.
Involve family in your personal finance discussions.
- Believe us, when you convince your spouse in the investment journey, you
will create wealth much sooner. After all, you are doing all this for your
family. - Educate Children on personal finance. Do SIPs in their names. Once they
grow up and start investing on their own, do not club with what you have
done for them. This becomes tangible evidence of long-term wealth creation
and builds conviction to stay the course. - Create a family heirloom – A Rs.7500 SIP in the new born child’s name for
18 years (with no further investment and then left untouched till age 60) can
become 100 Crores with a 13% return on investments.
Bookmark this financial wellbeing checklist.
https://www.vsfinancials.com/blog/check-list-for-financial-well-being/
Closing thoughts
On Direct Equities – Measure your direct equity portfolio returns. If it is sub-optimal,
consider mutual funds. As far as we have seen, it is very difficult for retail investors to beat a
well-constructed mutual fund portfolio with their direct equity picks.
On SIP– In our experience SIP with regular top up works best for the portfolio and helps
investors reach their financial goals earlier. We urge you to invest any surplus amount left
with you on a monthly basis. Internally, we call this as Investors who have opted for the
“Monthly Manual”. We would reach out to you on the given dates to check for any monthly
surplus to be invested in the portfolio. Try once and you would love it.
On Fund Selection – Fund selection alone does not create wealth. It is the combination of
disciplined behaviour, continuous monitoring, regular reviews, and long-term commitment
that ultimately turns investing into meaningful long-term outcomes.
We have always grown with references and we request you to help us with references.
Thank you for trusting us with your financial future.
Very Sincerely,
S Babu Arunachalam | +91 93419 19417 | AMFI-Registered Mutual Fund Distributor
www.vsfinancials.com
Disclaimer: Mutual Fund Investments are subject to market risks, read all scheme related
documents carefully. Information herein is only for reference purposes and does not
constitute investment advice.
Life is full of uncertainties. Future investment earnings and interest and inflation rates are not
known to anybody. However, I can guarantee you one thing.. Those who put an investment
program in place will have a lot more money when they come to retire than those who never
get around to it.
Noel Whittaker