Monthly Analysis

How I predict US Stock market.

Here I am going to explain how I predict the market on a monthly basis. To understand following lines, you do need to have some knowledge of astrology. But it should not be difficult to understand if you have learnt a little bit of Hindu, Western or any other branch of astrology. This paper is a result of many years of untiring research. Any person is free to use it. But I would appreciate if you recognize me when you follow my ideas to make predictions or if you do further research to modify or enhance this work.

Before I start explaining what I do, please note that earlier I used to use US-confederate chart to arrive at the results. But now I use the NYSE chart. Its date of birth is 5/17/1792, the time is 10:30AM and place of course is New York. This is the time used by the majority of the financial astrologers in USA.

It may also be important to know that I use tropical zodiac and not sidereal as used almost exclusively by the Indian astrologers. In other words I use charts commonly used by western astrologers. It is my experience that charts drawn without subtracting ayanamsha (Sayana charts, Note 1) give better results when used with time-tested basic principles of Mahrishi Parashara. I know I am going against the mainstream, and many people in India will discard this article only on this basis. But I have to put my money on line. I therefore have to use what works better and cannot be emotional or traditional.

Although solar return charts are made for making annual predictions, I prefer to use it for monthly predictions. Some but not all of the ideas come from an ancient text “Tajik Neelkanthi”.

I use software Kala, by Ernst Wilhelm.  It is in my view is the best software out there for any branch of Vedic astrology. Its calculations are accurate and it provides so much flexibility to get everything you want to see on one page. You can also use free software Jangannath Hora. It is also very good, although it is a little more complicated to use.  

The first step is to make a chart for NYSE, and then make a chart for the year, which is called Varshaphala in India and solar-return chart elsewhere. The next step is to make a chart for the month you are interested in. The software manual will explain how to do this part of the work. Now I will describe the rules to interpret this monthly chart.

1. The most important factor to consider while interpreting this chart is the strength, placement and conjunctions of the planet, Mars. It is because in the natal chart of NYSE, Mars is very important planet (raj-yog-karak) and is situated in the second house, which stands for the financial aspect of any entity. If Mars is strong, conjunct or aspected by beneficial planets Venus or Jupiter, exchanges signs with Moon or Venus, or is involved in hemming netween beneficial planets (Shubh-kartari), it is good.  On the other hand, if it is fallen, closely conjunct Ketu or weak Mercury, combust, aspected by Saturn or functional malefic, or is hemmed between malefic planets (Papa-kartari), it is bad. Mars while entering the sign (longitude of 0-2 degrees) is also weak and bad. Mars is also bad aspecting Saturn while Saturn is also aspecting it in return. Here I am using aspects of Parashari system, not Tajik aspects or western square aspect.

2. Second factor to consider in the month-chart is the second house and lord of second house. Second house stands for financial aspect of a corporation or country. If benefic or strong planets are present or aspect the second house, or lord of the second house is strong and well placed or second house is surrounded by benefic planets (shubh-kartari), it is good for the month. On the contrary, if second house is occupied by functional malefic planets or malefic planets aspect the second house or if lord of second house is fallen or badly placed, it is bad for the month.

3. Third thing to look at is the month-lord. In the ancient Tajik system the year-lord or month-lord is selected from the five planets called Panchadhikaris. Our astrology software “Kala” calculates it and shows it as Mas-Pati, which literally means lord of the month. The software Jagannath Hora does not calculate month-lord for you. You have to do that yourself every month following the instructions of Tajik system.

To see whether month-lord is good or bad, one has to see if it is functional benefic or functional malefic.

It is important to understand that each planet gives two kinds of effects, natural and functional. Jupiter, Venus, Moon and Mercury are natural benefics, and Saturn, Mars, Rahu and Ketu are natural malefics. However functional nature of any planet depends upon whether it rules a benefic or malefic house. A planet is functional malefic, if its mool-trikona sign is in the malefic houses, 6th, 8th or 12th house (Note 2). Otherwise, a planet is functional benefic. As an example, if ascendant is Capricorn, Sun and Jupiter are functional malefics because Leo is in the eighth house and Sagittarius is in the twelfth house. For other ascendants, see the note at the end of this article.

A month-lord is good when it is functional benefic and strong. A month lord is also good if it is functional malefic and weak. A month-lord is bad when it is functional benefic and weak or when it is functional malefic and strong. It is easier to understand this logic with mathematics. A positive quantity multiplied by positive quantity gives positive result. Similarly positive result is obtained when you multiply a negative quantity with a negative quantity. As an example exalted Venus is bad for Scorpio ascendant because it is functional malefic (rules twelfth house) and strong. Same exalted Venus is good for Gemini ascendant because it is functional benefic ruling the fifth house.

4. Then you should also look at the other functional malefics. If they are weakened by debilitation or combustion, it is good. When they are strengthened or well placed, it is bad. Remember, the strength of a planet is caused by sign, house placement, connection with benefic planets and hemming between benefic planets. And weakness of a planet is cause by sign, placement, connection with malefic planets and hemming between malefic planets. Note “other” means other than month-lord and Mars, because we have already treated them earlier (Note 3).

5. Next we consider relationships between the planets. Moon is always an important planet in every chart. If it forms any kind of connection with Jupiter or Venus, it is good. If all three support each other, it is very good. If Venus makes a connection with Jupiter or Saturn, it is also good. Other yogas, one should check are raj-yogas between lords of centers and trines, vasumati yoga, etc. On the other hand, if Moon is conjunct or aspected by Saturn, or functional malefic Mars, or Ketu or Rahu, it is not good. A combust Saturn or conjunction of Saturn and Ketu is also bad. Saturn is a natural malefic, if it also becomes functional malefic, it becomes really malefic. If such a Saturn makes a connection with any other planet, it gives really bad results. A combustion caused by functional malefic Sun to any planet is very bad too. If a planet that is both fallen and combust, it gives really bad results.

You can see that there are multiple factors, which need to be considered to evaluate the monthly chart. At first things look quite complicated, but if you analyze astrological charts and understand a few basics of astrology, it is not difficult to come up with the net result in 10-15 minutes. There are still quite a few things yet to consider. I describe them as follows.

All the five considerations stated above are equally important. If it is still difficult to decide whether a month would be good, bad or neutral, one can look at the number of planets in the good houses are malefic houses. If too many planets are present in the malefic houses, it is not good, while no or few planets in them are good.

Most of the time good factors may balance out the bad ones, or good factors may outweigh bad factors slightly or vice versa. If only we can avoid months when bad factors accumulate, we can get very good results on our investments.

One factor which is most difficult to understand and analyze is the debilitation of the planets. It is because the debilitation gets cancelled when the dispositor is strong or if the fallen planet is aspected by a strong planet. A planet whose debilitation gets cancelled become strong, we call it neech-bhang raj-yoga. Some examples of neech-bhang are Moon in Scorpio and Mars, which is the dispositor, is either in Scorpio or Capricorn (exaltation sign). Mars in Cancer is fallen, but Moon (dispositor) in Capricorn (opposite aspect) or in Taurus (exaltation). Jupiter in Capricorn is fallen, but Saturn in Aquarius can result its neech-bhang.

Another difficulty which I continue to face is the situation, when ascendant is on the edge, i.e., when the longitude of ascendant is between 0-2 degrees or 29-30 degrees. To be on the safe side one should also consider the chart with the previous or next ascendant.

You can see that my method of financial astrology is distinctly different from other astrologers. Some of them use the current transit of the planets, which in my opinion do not work in isolation. Tajik methods use transits in its entirety and consider the mother-chart also. I also believe the intensity of the results is also impacted by the planetary- periods, especially Vimshottri. I will write about that in another article.

It is very difficult to grasp and apply the above rules without real examples. I am providing three examples, one was a very bad month, the other very good, and third with no change in SP500.

Please note that the charts are drawn in north-Indian way, familiar to me. People used to south-Indian or western type chart can redraw them with the given birth particulars to understand the logistics discussed below. It is also important to know that although my basic ideas come from Tajik-Neelkanthi (Chapter on monthly charts, shlokas 8-12), I am not using Tajik aspects, but Parashari aspects between the planets. 


The first thing to note is Mars. It is fallen and occupies the tenth house. It is therefore weak, which is not good for the month. Second is to consider is the second house and its lord. Although strong Jupiter aspects this house, yet its lord Mars is fallen. This factor therefore is neutral. 

Third factor is to consider the month-lord, which is Mercury. It is strong in its own sign. But is functional malefic, because its mool-trikona sign Virgo is in the twelfth house. Mercury the month-lord is therefore not good.

Next we look at other functional malefics. In Libra ascendant, Mercury is the only functional malefic, no other. This factor is therefore need not considered here. In the end we look at the relationships between the planets. Moon is not making any connections with any planet. Looking at other planets we find that two malefics Saturn and Rahu are close to each other, which is not good. The proximity of Sun to Saturn is also not good as Sun combusts Saturn. Sun also gets eclipsed by Rahu in this chart, which is a serious negative concern.

It is not difficult to conclude that this could be a bad month as Mars, the month-lord Mercury, and partial combustion of Saturn are all negative factors. Moon and Jupiter are strong and well placed but they could not overcome the propensity of the negative factors. S&P500 fell from 1200-1000 in this month.


Again we start with Mars. Mars is present in the tenth house in the sign of its friend Jupiter. But it is sitting very close to its enemy Mercury. Therefore the impact of Mars is neutral. Next we look at the second house. Note, it is surrounded by two benefics, Moon in the third and Jupiter in the first house. Second house is also aspected by strong Venus and Saturn from the eighth house. Although the lord of second house mars is not in very good position, this factor overall is good for the month. Month-lord is strong Jupiter, in the first house. It is a functional benefic, strong and well placed. The other functional malefics, Venus and Saturn are placed in the malefic houses, which is good. Next factor is relationship between the planets. Conjunction of Venus and Saturn is also good. Moon is strong too, which is good. It should therefore not be difficult to conclude that this should be a very good month in the market. S&P500 rose from 800 to 950.

I took the examples where most of the good and bad factors align. Now I take the example where they contradict.



Mars here is in a sign of enemy Mercury and is combust, as it is only 6 degrees away from Sun. This is decidedly bad. Month-lord is Mercury, which is lord of eleventh house sitting in the 12th house. Therefore it cannot be taken as a good factor. Second house is very strong, as it is occupied by strong Jupiter and aspected by its friend Moon in the eighth house. Moon is also good because of the aspect of strong Jupiter. Three planets Saturn, Jupiter and Venus, are in their own signs, which is also good. But close conjunction of Saturn and Ketu is very bad. Overall the positive factors and negative factors are equally strong and appear to neutralize each other. This therefore was expected to be a neutral month. S&P500 stayed around 3000 in this month.

Although I tried to cover all scenarios by studying hundreds of monthly charts, this process can still fail once in a while. Since the success rate is overwhelmingly higher, I intend to follow it henceforth. I have spent a lot of time trying different chart of US, various techniques and dashas.  This is the best I could come up. People good in astrology can see that I have combined elements of Parashara, Seshadri Iyer, System approach, Tajik, and Western Astrology. I would welcome any kind of criticism, suggestions or enhancements so long as it can produce better results.


1. S.V. Chalam, Astrological Magazine, p 561, July 1989; p 931, Dec 1989; p205, Feb 1990.

2. Mool-Trikona signs: Sun: Leo. Moon: Cancer. Mars: Aries. Mercury: Virgo. Jupiter: Sagittarius. Venus: Libra. Saturn: Aquarius.

3. Functional malefics for various ascendants are given here. Aries: Mercury. Taurus: Venus and Jupiter. Gemini: None. Cancer: Jupiter and Saturn. Leo: Moon. Virgo: Saturn and Sun. Libra: Mercury. Scorpio: Venus. Sagittarius: Moon. Pisces: Sun, Venus and Saturn.