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Q1. What Would You Develop As A Feature To Assist First-Time Investors in Streamlining Their Investment Process and Avoiding Mistakes? (200 Words)

The document outlines innovative features aimed at assisting first-time investors and enhancing the Zerodha platform. The 'Investor Time Machine' allows users to visualize the long-term impact of their investment decisions, focusing on emotional factors that often lead to mistakes. Additionally, features like the 'Market Mood Ring' and 'Kite Companion' aim to provide insights into market psychology and offer voice-enabled assistance, respectively, transforming the investment experience into a more supportive and informed process.

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prasad Gade
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35 views4 pages

Q1. What Would You Develop As A Feature To Assist First-Time Investors in Streamlining Their Investment Process and Avoiding Mistakes? (200 Words)

The document outlines innovative features aimed at assisting first-time investors and enhancing the Zerodha platform. The 'Investor Time Machine' allows users to visualize the long-term impact of their investment decisions, focusing on emotional factors that often lead to mistakes. Additionally, features like the 'Market Mood Ring' and 'Kite Companion' aim to provide insights into market psychology and offer voice-enabled assistance, respectively, transforming the investment experience into a more supportive and informed process.

Uploaded by

prasad Gade
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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Q1.

What would you develop as a feature to assist first-time investors


in streamlining their investment process and avoiding mistakes? (200
words)
Feature: "Investor Time Machine"

I would create an innovative function that enables new investors to see and experience snapshots of their possible financial future based on the
different decisions they make. The function, which I am referring to as the Investor Time Machine, would give them a visual demonstration of
how different decisions—like panicking and selling at market declines or sticking to regular monthly investing—can impact and make a
difference in their wealth build-up over a time span of some decades.

Unlike typical calculators, it would have psychological factors as well as market movements. When individuals input behaviors like "selling
everything in a 15% market drop" or "adding investments during bad times," they'd be able to see how such emotional behaviors build up over
the long term.

What makes this stand out as something truly distinctive is its focus on emotional conditioning, an area that is generally overlooked. The tool is
designed to track user feedback in a sensitive way through straightforward questions and decisions users are required to make, which allows it
to determine their unique risk triggers. Moreover, it gives personalized behavioral nudges that are tailored to each user's unique needs. While
most platforms care only about educating users about market mechanics and strategies, this new method actually focuses on the emotional
areas where most investment errors actually take place.

Consider it a financial mirror that can show you the you that exists in the future. By employing the computer-simulated outcomes that result
from a series of various actions—some good and some bad—investors can build confidence and toughness before they risk actual money. It
serves to connect the awareness of what to do with the actual acquisition of the emotional poise it requires to take action on those steps,
particularly during moments when the markets become scary or unstable.

Q2. State 2 features/developments for Zerodha? (200 words)


1. "The Market Mood Ring"

Markets are not merely numbers; they are subtle products of human psychology. This intuitive solution would capture the mood of the market
as a graphical representation on the trading screen that is pleasing and informative. By analyzing a number of different factors such as trading
patterns, social media, and news sentiment, it would provide a handy guide to the market's place on a scale that ranges from fear and greed to
FOMO—fear of missing out—or cool rationality.

When everyone's being greedy, seeing that glistening red "extreme greed" meter might give you pause before jumping in. It's like having a
behavioral coach whispering in your ear that markets are emotional animals. I've found my worst trades happen when I'm in market euphoria or
panic mode—this would be a visual reminder to step back.

2. "Kite Companion" (Voice-based Investing Guide)

I would introduce a high-end voice-enabled interface to Zerodha's Kite platform that behaves like a wise and knowledgeable friend who sits right
beside you and is willing to help. Rather than needing to navigate several menus and options, you might simply ask questions like, "Can you tell
me why this specific stock has fallen today?" or "Can you give me the current price-to-earnings ratio of banking stocks?"
It would not only carry out commands but also break down concepts in simple terms, specific to your portfolio and experience. Ideal for when
you're looking at a chart pattern or financial indicator and wondering "but what does this actually mean to me?" It turns the platform from
something to work with to something to work alongside.

Q3. How do you decide what to invest in, how do you handle risk, and
did your own money attitude shift over time? Explain how the strategy
shifted over time. (200 words)
As I started out on my investing journey, I was handling my money in a way that was similar to leveling up in a video game—constantly looking
to achieve the highest score possible. I would be constantly switching between the most recent fad industries, interpreting tips I was reading on
Twitter as thorough research, and interpreting what I thought was luck as real skill. The idea of risk was something I stupidly thought I could
outsmart, instead of something I should handle with the respect it actually deserves.

The epiphany came after suffering some painful losses I came to understand that money is not merely a resource—it's a relationship. Now I find
myself asking: "What work does this money need to do?" Some must grow aggressively, some must grow steadily, and some must be liquid for
fires.

I've constructed what I call my "energy portfolio": high-energy investments (growth stocks, some cryptocurrency) for growth potential, and
stable-energy investments (dividend ETFs, index funds) for dependability, and latent-energy (fixed deposits, rainy-day funds) for safety. I
rebalance these buckets by life stage and not market expectations.

I also make sure that I leave my "weird bucket" untouched, which is part of my investment strategy, exactly 5%, that I have allocated for test
investments. This is to add an element of thrill to my financial exploration without jeopardizing the security of my primary portfolio. The
investments that I would have in mind for this bucket can be anything from unusual pieces of art to experimental moonshot stocks that I
believe can be good ideas to try out.

My work has shifted from the gambling sector to the growing process of gardening—this is a process of planting a mixed variety of seeds with
care, nurturing them with patience and perseverance, and realizing that there will be some years that will bring more than others. I have realized
that money is no longer about keeping up, but about creating and laying down possibilities for the future.

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