tag:blogger.com,1999:blog-81546565205495223212024-03-14T09:42:28.872+05:30Shalibhadra Master Investment BrokerShalibhadra, Started in 1982, is financial services providing firm now backed with 34 years of expertise and competence in field of Mutual Funds, Fixed Deposit and wealth creation consulting.
In the city of Ahmedabad we are known as Shalibhadra - Master Investment Broker.
We offer Investment services for New and existing Investments, online portfolio services for Mutual Fund Investment and doorstep services and paper handling services.Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.comBlogger28125tag:blogger.com,1999:blog-8154656520549522321.post-16800513705238000222020-07-24T23:52:00.003+05:302020-07-24T23:52:45.209+05:30Are you investing for Long term? Think again.<div dir="ltr" style="text-align: left;" trbidi="on">
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<span lang="EN-US" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;">Hello
Investor,<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;">Alert – Simple Algebra
required for understanding <o:p></o:p></span></b></div>
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<span lang="EN-US" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;">It
has been said that “Change is constant in life.” It is evident in our
lifecycle. Life starts as an infant, to a school going kid, than to a college
going teenager, to a family person and lastly to phase of retirement.<o:p></o:p></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: 12pt;">All
phases comes with a change which we accept as human being.</span></div>
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<span lang="EN-US" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;">When
it comes to hard earned money, we question the rule of change. One must
understand the importance of outperformance and underperformance. Let me
explain the simple criteria considering current market situation.<o:p></o:p></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><o:p> </o:p></span><span style="font-size: 12pt;"> </span></span></div>
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<a href="https://1.bp.blogspot.com/-K3a9eXzjNBQ/XxsmAL1HoGI/AAAAAAAACkI/kEVvJ5oiItspbASUs-bdmMyIsLjAnnyvQCLcBGAsYHQ/s1600/nn.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="font-family: Arial, Helvetica, sans-serif;"><img border="0" data-original-height="171" data-original-width="601" src="https://1.bp.blogspot.com/-K3a9eXzjNBQ/XxsmAL1HoGI/AAAAAAAACkI/kEVvJ5oiItspbASUs-bdmMyIsLjAnnyvQCLcBGAsYHQ/s1600/nn.jpg" /></span></a><span lang="EN-US" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;"></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">Why
Portfolio Reshuffling is important?<o:p></o:p></span><br />
<div class="MsoListParagraphCxSpFirst" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l1 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><span style="mso-list: Ignore;">•<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Imagine
a situation of index value at 100 before Covid situation.<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l1 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><span style="mso-list: Ignore;">•<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">Due
to Covid, Index falls from 100 to 80 (-20%)<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><span style="mso-list: Ignore;">•<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">At
the same time, a performing scheme is outperforming index and falls only -15%<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><span style="mso-list: Ignore;">•<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">While
an underperforming scheme is underperforming index and falls -25%<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><span style="mso-list: Ignore;">•<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">In
an hypothetical situation, Index recovers from 80 to 100 which is 25% growth.<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><span style="mso-list: Ignore;">•<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">As
the performing scheme fell less to 85 will become 106.<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;"><span style="mso-list: Ignore;">•<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span lang="EN-US" style="font-size: 12.0pt; line-height: 115%;">And
the underperforming scheme fell more to 75 will become 94.<o:p></o:p></span></span></div>
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<span lang="EN-US" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;"><b>Case
here to prove is loss can be recovered by patience but underperformance cannot
be recovered.</b><o:p></o:p></span></div>
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<span lang="EN" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span lang="EN" style="font-size: 12.0pt; line-height: 115%;">Mutual fund investors must review and reshuffle
portfolios at different time horizons.</span><span style="font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></span></div>
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<span lang="EN" style="font-family: Arial, Helvetica, sans-serif; font-size: 12.0pt; line-height: 115%;">Nishit Siddharth Shah</span></div>
<br /></div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com1tag:blogger.com,1999:blog-8154656520549522321.post-42935807872862113722018-10-15T20:54:00.000+05:302018-10-15T21:00:19.033+05:30Two Months and Two stories.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: arial, helvetica, sans-serif; text-align: justify;">Dear Patrons</span><br />
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<span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Two Months and Two stories.<o:p></o:p></span></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></b></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;">September 2018</span></b><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"> – India’s
GDP has grown by 8.2%. Highest in entire world. We are living in a country
which is fastest growing economy in the world. Reasons,<o:p></o:p></span></span></div>
<ul style="text-align: left;">
<li><span style="font-family: Arial, Helvetica, sans-serif;">Increase in I.T. filling (More Direct Tax Revenue) and Consistent GST collection (More Indirect tax Revenue)</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Highest young generation among world population. Urbanization and Growth across sectors in tier II and tire III cities.</span></li>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b><span lang="EN-IN">October 2018 </span></b><span lang="EN-IN">– Stock
Market in India has nosedived more than 4500 points (Apprx 12% down) in almost
1 month and investors have started to panic. Reasons,</span></span></div>
<ul style="text-align: left;">
<li><span style="font-family: Arial, Helvetica, sans-serif;">Crude price going up and reports that it will reach to 100$</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Depreciating rupee which is reaching almost Rs.75 now</span></li>
</ul>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;">What to do now?<o:p></o:p></span></span></b></div>
<ul style="text-align: left;">
<li><span style="font-family: Arial, Helvetica, sans-serif;">Currently Marketcap of Indian Stockmarket is 23% in discount with the corresponding GDP. As the GDP is higher, it means that economy is strong and sentiments are bad.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Indexes have beaten down heavily. Largecap, Midcap, Smallcap are down 11%, 23% and 31% respectively. <b>For Long term investor, Investing now is like buying Platinum at price of Silver.</b></span></li>
</ul>
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<span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Remember: There is <i style="mso-bidi-font-style: normal;">“Regret of commissions”</i> and also <i style="mso-bidi-font-style: normal;">“Regret of Omissions”</i>.<o:p></o:p></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Should one not look at times of 2008 and 2013 where market bounced
back at Rocket speed?<o:p></o:p></span></span></b><br />
<b style="mso-bidi-font-weight: normal;"><span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></b></div>
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<span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;">At Shalibhadra, we
believe that ‘Regret of Omissions” is much greater. We don’t want any investor
to be left behind in the growth story. We are actively calling investor to
allocate some part of their surplus funds to allocate for Equities. <o:p></o:p></span></span></div>
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<span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
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<span lang="EN-IN" style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-hansi-font-family: Calibri;"><b><span style="font-family: "arial" , "helvetica" , sans-serif;">Nishit Siddharth
Shah</span></b></span></div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-36828904429924956502018-09-18T18:55:00.000+05:302018-09-18T18:55:18.663+05:30‘Modern slaves are not in chain but in debt'<div dir="ltr" style="text-align: left;" trbidi="on">
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<span lang="EN-IN">Dear patrons,<o:p></o:p></span></div>
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<span lang="EN-IN"><br /></span></div>
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<b><a href="https://www.blogger.com/null" name="OLE_LINK2"></a></b><span style="mso-bookmark: OLE_LINK2;"><span lang="EN-IN"><b>‘Modern slaves are not in chain
but in debt'</b></span></span><br />
<span style="mso-bookmark: OLE_LINK2;"><span lang="EN-IN"><b><br /></b></span></span>
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The instant EMI culture is hurting the consumption
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<span lang="EN-IN"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-IN">The phrase ‘Aamdani Athanni Kharcha Rupaiya’
is coming true. People are spending before even earning, thanks to Easy Loan,
EMI Trap.</span></div>
<div class="MsoNormal">
</div>
<ul style="text-align: left;">
<li>Loan (Debt) is available for...</li>
<li>Higher Education for child –
Education loan</li>
<li>Business Expansion – Business
loan</li>
<li>Buying Appliances – Consumer
loan</li>
<li>Vacation Tour – Personal Loan</li>
<li>Buying Home (Beyond Capacity) –
Home Loan</li>
<li>Buying Car (High End
Choice)<span style="text-indent: -18pt;"> </span><span style="text-indent: -18pt;">– Car Loan</span></li>
</ul>
<br />
<div class="MsoNormal">
For various expenses you will get a loan but
ever you heard about a loan for “Bette Retirement”?</div>
<div class="MsoNormal">
<span lang="EN-IN">Entire life is Spent as “Zindagi na milegi dobara”
by spending through EMIs & it is too late when importance of retirement is
realized.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-IN">At Shalibhadra, We believe that a dignified
Retired life must be planned on top most priority.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-IN">Each & every reader of this newsletter
must get their retirement planning done. This one page report/Financial
Planning is very simple & easy to understand. Even if you have done get it </span>rechecked.</div>
<div class="MsoNormal">
<span lang="EN-IN"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-IN">Nishit Siddharth Shah</span></div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-57796137333205427452018-07-14T19:11:00.000+05:302018-07-14T19:39:16.024+05:30When you say ‘NO’, to whom are you saying ‘NO’?<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Dear Patrons,<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">It is time to do some introspection.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">When you say ‘NO’, to whom are you saying ‘NO’?<o:p></o:p></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">For example,<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">- If you ask your good friend to quit
smoking and a ‘No’ from him is not of any concern for you but your friend is actually
saying ‘NO’ to his healthy future.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">- If a concerned father ask his
teenage son to study for better career and a ‘No’ or unresponsive answer from
him will not make so much difference to father but the son is actually saying
‘NO’ to his future career.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Similarly, investing through SIP is
something which must not be avoided at any cost. Lo and behold, SIP is the key
for systematic Wealth Creation. SIP is a discipline and winning on individual
behaviors. <o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">At Shalibhadra, We periodically send
WhatsApp messages, emails and SMSs to start / increase SIP. Our research shows
that many investors do Half-Hearted SIP despite the fact that it is most
convenient way of investment. It is our aim that how can we encourage Whole-Hearted
SIP investors instead of Half-Hearted SIP investors.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: 12pt;"><b>Lastly, your ‘NO’ to start SIP is not ‘NO’ to </b></span><b>adviser</b><span style="font-size: 12pt;"><b>, you might be saying ‘NO’ to your sound and stable financial future.<o:p></o:p></b></span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Nishit Siddharth Shah<o:p></o:p></span></span></div>
<div style="text-align: justify;">
<br /></div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-38814022876602300502018-03-31T18:57:00.000+05:302018-07-14T19:44:33.827+05:30Invest only where it is understandable.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><br /></span>
<br />
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Dear Patrons,</span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Why we use helmets / seat belts?<br />
Why we have life / health insurance?</span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">It is our constant desire to secure well
being of self & family. For the same reasons, we work hard almost 40% of
our life.</span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">In contrast, we dedicate only few hours for
our investment which we know that is very important. By the time that
understanding come, we try to ‘cover up’ that lost returns by investing into
ultra high risk avenues. </span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Recent case is Block chain currencies (Bitcoins).
A lot of us are attracted towards it due to its value hike & past
performance. The wisdom of investing in this high risk investment avenue should
have come 4 years ago. Investing now is like going along the herd. Second
argument is that it may be promoted by lot of intelligent people but logic says
something not regulated by an authority & which is not understandable by
majority of people is like firing in dark.</span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">At Shalibhadra, we promote disciplined
& understandable investment. We don’t go beyond our logic for investing
hard earned money. </span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Nishit Siddharth Shah </span></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<br /></div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-54607264694645742017-10-13T17:41:00.001+05:302017-10-13T17:50:47.054+05:30Being 'Lazy', Becoming Wealthy.<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
Dear Patron,</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Why should you bank on your luck when there is a simple plan
that could help you become wealthy? Your money should work harder than you.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
A simple plan called Systematic Investment Plan (SIP)
offered by mutual funds can do that. SIPs allow you to invest fixed amount of
money every month in mutual funds. </div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
It is easiest and laziest way to become <i>‘Wealthy’…</i></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
If you save Rs. 10,000 every month for the next 20 years,
assuming a return of 12% per annum, you end up saving more than Rs. 1 Crore. That's
right! You can be a <i>‘crorepati’</i> and
that too without literally knowing it. (Above data for information only).</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
All you have to do is to be lazy and Just stay invested, In
the mean time, there will be ups ups and downs in equity markets which will
make the value of your investments fluctuate. But here your <i>laziness</i> will help.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The fixed investment amount of SIPs will buy more units when
market is down. The reverse will happen when the markets are up. As a result,
on an average, you will end up buying units at a reasonably low cost and can
potentially make handsome gains over long periods of time.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Being <i>Lazy</i> by
investing in Mutual Funds is actually good thing.</div>
<br />
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Nishit Siddharth Shah</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-55980946536795102862017-02-23T12:52:00.000+05:302017-10-13T17:42:22.270+05:30Plan your TAX with 'SIP' way...<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">Dear Patrons,<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">We are getting bigger & stronger, not by ‘Complan’ way. The secret is
‘SIP’.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">We have recently stepped into 35th
year of investment advisory at the same time we crossed 5000 SIP mark.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">One word question – ‘How?’<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt;">Two word answer – Financial Planning<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">The earning of an individual is growing. Across India Life Standard is increasing
which increases need of money to achieve various financial goals. The immediate
and most important needs to be planned are retirement & child’s education
planning.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">Apart of goal planning, taxation is also a part of financial planning.
The Government gives enough options to save taxes. If planned properly, one can
easily save an ample amount on taxes. Doing job or business or professional activity
is our duty. But planning of taxes is as important as business planning.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<br />
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">We, at Shalibhadra with strength of our 34 years of experience, find out
every possible way of tax savings from your income with help of renowned CAs.
We will be happy to provide you investment + tax savings related services
toward peaceful journey of financial planning.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-XbMSVo14lUg/WK6NIaykm0I/AAAAAAAABdk/5-sMBdsHe0QimhgdFdOhzmGkNJtlvj51gCLcB/s1600/01.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://4.bp.blogspot.com/-XbMSVo14lUg/WK6NIaykm0I/AAAAAAAABdk/5-sMBdsHe0QimhgdFdOhzmGkNJtlvj51gCLcB/s640/01.jpg" width="640" /></a></div>
<span style="font-size: 13.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;"><span id="goog_1088144289"></span><span id="goog_1088144290"></span><br /></span></div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-58279319380706231642016-09-11T16:26:00.001+05:302016-09-11T16:26:31.460+05:30Trending or Trendsetting?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">#trending<o:p></o:p></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">Or<o:p></o:p></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">#trendsetting<o:p></o:p></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">The world is changing and so does the trends. Thanks to technology.
Through finger tips we access the world.<o:p></o:p></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">This excess availability of information has formatted two types of
people. <o:p></o:p></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">Type one who follows existing trends, so they are trend followers.<o:p></o:p></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">Type two who set their own trends, so they set trends for others.<o:p></o:p></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">Above is perfectly true for Sensex followers. </span><span style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">In Stock Market, large numbers of investor is in following a trend.
So they are followers. While only few are trend setter. They are visible and
vocal. They appear on TV, newspapers and through various mediums. Their
influence is dominant on remaining 90% of those followers.</span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">These trend setters have a most important quality; they are masters
in oratory power. Additionally they are a good looking personality and that
helps them create an impression. So people follow them. <o:p></o:p></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">To keep ourselves out from these trend setters, let me make things
very simple. We live in a logical world and common sense will help us. Once we
start analyze small happenings in economy, we can set our own trends. Here are
some recent examples.<o:p></o:p></span></div>
</div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;"><br /></span></div>
<div style="text-align: justify;">
<span lang="EN-IN" style="font-family: Arial, Helvetica, sans-serif; line-height: 115%;">Evaluating simple economic factors a. Focussing on fundamental news
and their positive outcomes, b. ignoring nonsense negatives (Our news mediums
are full of negative news), c. analyzing the news inflow based on facts and not
on rumours. <o:p></o:p></span></div>
</div>
<div style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div class="MsoNormal">
<div style="text-align: justify;">
<span lang="EN-IN" style="line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;">Initially it is tough but implanting it slowly and making small
mistake at starting level, observing results of our actions can lead us to
conclusion about our investment. At least layman investors can set their own
trends for investments.</span></span></div>
</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com1tag:blogger.com,1999:blog-8154656520549522321.post-15498022461038983672015-02-23T19:25:00.000+05:302015-02-23T19:25:03.132+05:30Pre budget Note 2015<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
</div>
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<h2 class="MsoNormal" style="text-align: center;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span lang="EN-IN" style="line-height: 115%;">Pre budget Note</span></b></span></span></h2>
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span><div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">Narendra Modi Government is presenting first full
fledged budget this week.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">The <i>“Achchhe
din” </i>Slogan is in the mind of people and expecting relief from this Government.
</span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">As everybody’s belief, I too believe that this is the
Pro Growth Government. <b>But… Please Wait, whose growth? “Growth of country?” or “Growth
of certain class of People?”</b><span> </span>Remember, A
Dynamic Government will take all possible action to bring fiscal discipline. And
Discipline is never a well accepted idea among any citizen class. But, if we
want to see our country on Real Term Growth Path, we should not be surprised by
some “unexpected and shocking” proposals in this budget. </span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">Why I am cautious about Budget proposals? Government has
to win subsequent state elections. The primary agenda is to acquire majority in
upper house (Rajya Sabha). Hence, some populist proposals are expected to satisfy
large number of society.<span> </span></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">On the other hand, Government is likely to eye on raising
the revenue. So, it may give surprise by abolishing/reducing some of the tax benefits;
limit the possibilities of tax arbitrage and tax evasion techniques. Within the
tax rules, there are ways to reduce tax burden. Smart people benefit from such
proposals. I strongly believe that there will be rationalization in tax benefits
schemes. Some “Popular among select class” tax savings benefits may be the
history. </span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">So, in my one line take is “Only Expect the unexpected
from this Budget”.</span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">There is a probability of benefits to defence and
“Make in India” intensive industries and giving boost to Import substitute industries
thus targeting more employment generation. So focus will be on controlling
Fiscal Deficit and Current Account Deficit. </span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span lang="EN-IN" style="line-height: 115%;">We put a cautious message in our February News letter for
portfolio restructuring prior to announcement of budget & Smart investors
have started portfolio restructuring activities. Naturally, front runners will
have advantage over others.</span></span></span></div>
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<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;"><a href="http://1.bp.blogspot.com/-X7SJycMcy9M/VOV6Bwf8NZI/AAAAAAAAAzs/bfCo2X-wO4k/s1600/Copy%2Bof%2BIMG_4879.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-X7SJycMcy9M/VOV6Bwf8NZI/AAAAAAAAAzs/bfCo2X-wO4k/s1600/Copy%2Bof%2BIMG_4879.JPG" height="200" width="120" /></a></span></span></span></div>
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<div style="text-align: center;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;"> </span></span></span>Mr. Siddharth Shah. </div>
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Chief Officer, Shalibhadra Master Investment Broker.</div>
<div style="text-align: center;">
Experience of 33 years in Investment and Financial Industry.</div>
<div style="text-align: center;">
Contact - +91-9426516073</div>
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Email - invest@shalibhadra.in </div>
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Facebook - Shalibhadra Master Investment Broker. </div>
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Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-5976076942714752242015-02-19T11:22:00.002+05:302015-02-19T11:22:40.830+05:30At this level, Should I enter in to equity or Not?<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span>Investors who are outside the “room” are still
waiting for a comfortable time to enter in to Equity market. They carry the <i>"Great Fear Factor”,</i> hence they
are extra aware on Capital Protection. They believe that Sensex has reached to
highest level and may crash any time. The comfort entry level for retail
investors is “Is everybody buying Equity?” But that is the disastrous thinking.</span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span>I think my
duty is to convey a <i>"Welcome to the
market” </i>message to all “<i>Investors
in Waiting”</i>. So, I will try to convert market in to three levels.</span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span>1. Attractive Level</span></b><span><b>: </b>Here the probability and quantum of loss is very
less while growth potential is very high. Financial Advisors are trying hard to
convey this opportunity message. But the sad part is, investors are not ready
to listen a single word from their Financial Advisor. Friends, this attractive
level was 2012 and 2013 but it is history now.</span></span></span><b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span> </span></span></span></b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span>2. Comfortable Level:
</span></span></span><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span>Here the probability and quantum of loss is low while probability of growth is
high. Financial Advisers are trying to show the possibilities of new market
high supported with economy data and market history data. This is a sincere
effort of showing great opportunity lies ahead. Only Smart investors are
listening and start investing. But the sad part is, investors are investing
halfheartedly. They invest small amount of what really they can. Friends, this
comfortable level is NOW.</span></span></span></b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span></span></span></span><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span><span></span></span></b></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span><span></span></span></b></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span><span></span></span></b></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span><span></span></span></b></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span><span></span></span></b></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span><span></span></span></b></span></span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span>3. Risk Level</span></b><span><b>: </b>Here the probability and quantum of loss is very
high while growth potential is very low. Financial Advisers are trying to
convey message of caution. But the sad part is, investors are not ready to
listen a single word and invest heavily in the market. After a bad experience,
these investors establish a prejudicial negative opinion for market.</span></span></span></div>
<div style="text-align: justify;">
</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span>Financial Advisers have better availability of various data, advantage to identify the
market levels (as discussed above) on certain parameters. So, in an uncertain
market environment, Financial Advisers are best guide for investors. They advise
according to risk appetite and investment time horizon of investors.</span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">
</span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;"> </span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">A layman investor invests in Bull Phase (High) and
get out of market during Bear Phase (Low) with bad experience. This is done for
years, is being done now and probably will continue the same in time to come.
So next time when you invest, try to find out an experienced, mature financial adviser instead of looking what other layman investors are doing.</span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;"> </span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;"> <div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-X7SJycMcy9M/VOV6Bwf8NZI/AAAAAAAAAzs/bfCo2X-wO4k/s1600/Copy%2Bof%2BIMG_4879.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-X7SJycMcy9M/VOV6Bwf8NZI/AAAAAAAAAzs/bfCo2X-wO4k/s1600/Copy%2Bof%2BIMG_4879.JPG" height="200" width="120" /></a></div>
</span></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div style="text-align: center;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;"> </span></span></span>Mr. Siddharth Shah. </div>
<div style="text-align: center;">
Chief Officer, Shalibhadra Master Investment Broker.</div>
<div style="text-align: center;">
Experience of 33 years in Investment and Financial Industry.</div>
<div style="text-align: center;">
Contact - 9426516073</div>
<div style="text-align: center;">
Email - invest@shalibhadra.in </div>
<div style="text-align: center;">
Facebook - Shalibhadra Master Investment Broker. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-49689393728172525712013-07-25T12:39:00.000+05:302013-07-25T12:39:27.348+05:30How to save yourself from Mis-Selling?<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b>Cobra Post Video
disclosing Anti Money Laundering Activity by some leading banks has put a
question mark in my mind “Growth at cost of Goodwill”.</b></span></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">When “Growth” bypasses “Values”, customer’s unrest arises. Shareholder (Owner) asks for Growth in
earning. Earning comes from customers. More earning is a result of aggression
in Selling means more charging or find new ways of earning. So some “Not to do”
(mis-selling) is being done to achieve the target growth. </span></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Let us discussion this mis-selling first, then we will show
you the way to overcome the hurdle.</span></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Firstly, in last ten years we have seen various new
investment opportunities have been introduced in the market. Investors now have
experience that more the complicated product, more the chances of wrong
investment decision. <b>Initially investors
should try to buy pure vanilla product. Jumping in to market to chase returns
may be dangerous.</b></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Secondly, Investor is not serious about his/her future
goals. Some survey reveals that the young generation investors are investing
just to save the tax. So <b>the basic of
future financial planning is not known to even highly educate young persons.
They are more aware on new ways of spending.</b></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Thirdly, the seller is not investor centric. Either he is
loyal to his employer or his sales targets. Sometimes he tries to sell the well
accepted products of the market and saves himself from blame game. </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">SEBI, RBI and IRDA have introduced various systems for
consumer complaints redressal. However we always find news on mis-selling
though intermediaries whether it is a bank or even individual advisor.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">The introduction of Complaint Channel is welcome move. But
can we dream the world of educated investors who understand at least basics of
products? Before the seller makes any selling statement the investor should
learn to understand the untold facts which seller intentionally or
unintentionally hides. This can be possible by education. Investors should
attend “investors Awareness Program” known as IAP. IAP is an initiative of SEBI
and AMFI to educate investors to understand Inflation, Risk, Diversification,
Benefits of Long term investing, Goal Setting, Asset Allocation, Taxation
implication, liquidity etc. By attending IAP seminars, investors can avoid
wrong investment decisions. The important part of such seminar is Question and
Answers session. Sometimes question of other persons gives lot of knowledge as
learning from experience of others will reduce wrong investing. </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">We find need of such IAP seminars and have decided to
arrange sequence of Seminars throughout the month of August, September and
October at the various locations of Ahmedabad city.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b>Such Seminars will be
held on “No Sales Talk” basis. Talks will be in Gujarati, Hindi, and Easy
English as per convenience of participants. Industry experts will deliver
lectures and It will cover all aspects where mis-selling happens. Focus will be
given on wrong talks, double talks and hidden facts by seller. </b>Important
discussion point is to understand Risk, Features of various Asset class and
Importance of diversification through Asset Allocation as per risk appetite for
optimum return.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">At the end of every IAP, We are happy to invite you to join us
for dinner so that individual questions can also be handled during one to one
interaction. We will be happy to see you to attend the seminar with your
spouse. You have to register with us to attend the seminar. We will offer you
different dates and Locations. You have to select a suitable date for you.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b>So friends, join us
in this educative IAP seminar. You can spread this message to your friends too
and let us move forward from mis-selling to smart investing.</b></span></span></div>
</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-67557437273732717262013-05-14T17:58:00.001+05:302013-05-14T17:58:24.993+05:30Gold - The metal in hearts of every Indian<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b>It is a belief that gold is hedge against inflation. It
is a safe haven investment in a mismanaged world. Let us understand myths &
facts of gold that will clear your mind.</b></span></div>
<div style="line-height: 115%; text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div style="line-height: 115%; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">The current options for Indian investors to buy Gold is;
Jewellery, Gold Coins, ETFs or Gold Savings Funds of Mutual Funds. All was
going good till the morning of mid April 2013 when the gold prices suddenly saw
a fall of nearly 12% in dollar terms. </span></span></div>
<div style="line-height: 115%; text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div style="line-height: 115%; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">Commodities (including Gold), Real Estate and Equity run on
cyclical movement. Any of this traded at hype will suffer periodic bursts of
sharp rise and bouts of steep decline.</span></span></div>
<div style="line-height: 115%; text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div style="line-height: 115%; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b><span style="line-height: 115%;">The buyer of gold has theory in his mind. Investors buy</span></b><b><span style="line-height: 115%;"> gold</span></b><b><span style="line-height: 115%;"> because of the ‘greater fool theory’ (the</span></b><span style="line-height: 115%;"> </span><b><span style="line-height: 115%;">next guy will buy it at a
higher price).</span></b><span style="line-height: 115%;"> The second popular belief is that gold prices are supposed to
rise, as it had always happened in the history too.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b>It is a general
belief that Gold is a hedge against inflation.</b></span></div>
<div style="line-height: 115%; margin: 0mm 0mm 12pt; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">Looking at the historical prices of gold and consumer price
inflation, In the 1980s, inflation in the US was around 6%, and gold lost more
than half its value. This myth of gold being a hedge against inflation has been
bunked by researchers many times in the past.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b>What is fair value of
Gold?</b></span></div>
<div style="line-height: 115%; margin: 0mm 0mm 12pt; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">At Rs. 27,000/10gm, gold is higher or lower than the ‘fair value’?
Gold does not generate income. It does not pay dividends. A good business
generates profits, a property generates rent and a bond generates interest
income. Since gold does not generate any return of its own, it can only be new
buyers with expectation of gold price to go up. This is just a speculative
approach.</span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b>So, what really drives
gold prices?</b></span></div>
<div style="line-height: 115%; margin: 0mm 0mm 12pt; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">Money and commodities are moving around the world with improved
technology in the financial interconnected world<b>.</b></span></span><span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;"> </span></span></div>
<ol style="text-align: left;">
<li><span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">Gold is
priced in US dollars. Gold prices will go up, if the dollar is weak.</span></span><span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="line-height: 115%;"> </span></span></span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;"><span style="font-family: Arial,Helvetica,sans-serif;"><span style="line-height: 115%;">T</span></span>he price of
gold is measured in rupees in India. If the rupee is weak against the dollar,
the price of gold will go up to that extent.</span></span></li>
</ol>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">Indians don’t remember gold prices crashed from a high of $
850/ounce in 1981 to $ 250/ounce in 2001 over 20 years. In 1981, Exchange rate
was $1/Rs. Rs. 8; in 2011 it became Rs. 45 now around Rs. 54. </span><b><span style="line-height: 115%;">Weakness of the Indian
currency pushes the price of gold up. The economic mismanagement in India is
remained favorable to gold buyers.</span></b></span>
</div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b>Gold in Indian Context:</b></span></div>
<div style="line-height: 115%; text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">In India, Gold has monetary value and social
value too. Showcasing ownership of quantity of Gold is a proud statement in
Society. Gifting Gold in family celebration is a must custom. Why Indians are
so close to gold? While looking back to history of 400/500 years back, United
India has always been attacked by outsiders like Aryas, Sikander, Taimur,
Allaudin Khilji, Portuguese, Dutch, English and many more. During war, people
required to run away with handy wealth (gold) to other places. This insecurity
has developed a social custom of possession of Gold. This still remains in the
mind of every Indian, every corner of India.</span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b>In fact, buying gold is
buying fear. So whenever fear is high, the gold will outperform. The fear may
be war, currency weakness, economical uncertainties, countries at risk and lot
more. More the fear, high the prices will be. </b></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">Those who have cash on hand
prefer to buy gold as investment. That seems a simple statement but holds too
much quantitative importance.</span><span style="line-height: 115%;"> </span></span></div>
</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-13874702894339671392013-02-13T12:35:00.000+05:302013-02-13T12:37:35.713+05:30The BIG players’ Equity Game<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">The Sharp
shooters of BSE/NSE equity market platform (they are operators, fund managers
and of course FII) are focusing on </span><span style="font-size: small;"><b>macros of economy in their
investment strategy. Interest rate, Inflation, IIP data, GDP growth,
corporate earnings, trade deficit, fiscal deficit, global economy trend, Global
currency trend, commodity price movements and lot more….</b></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">They analyze
the data of all above macros and predict a market move and accordingly take
position in equity market. Since market moves on various factors, above macro
analysis may not work in short run. However, market players know the market
cycle and continue their position. The stocks acquiring activity is at ease and
there is no hurry to pick the stocks at once. Let the investors sell the stocks
and the players are ready to catch it. </span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">We all know
that market cycle will turn after some time. So at an appropriate time market
starts moving up which was all expected and the great thing for operators is,
they have acquired lot of stocks at throw away prices.</span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">The layman
investor is reading the newspaper which is full of negative news like political
uncertainties, unrest among various classes of society, various agitations,
various scandals, high living cost and so on…</span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Reading such
disappointing news, the layman investor becomes negative and never thought to
enter in to market. Instead he sells his stocks in desperation. He ignores
macros, fundamentals of economy, market cycle and opportunity of acquiring stocks
at cheap market level.</span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b>At the second stage, as
the turn of macros / fundamental becomes strong, slowly economy recovers and
other positive news comes out. The investor is now hopeful but avoids buying at
this stage and wait for the gone “Low” to buy stocks.</b></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">At the third
stage, result of economy recovery is seen in GDP growth rate, consumer buying
data, corporate sales growth and higher earning of companies. The investor is
now reading high growth data of corporate earnings and tempted to buy the stocks.
Initially he earns. Excited by high earning in short run, he enters in the
market with more funds.</span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">More the earning in short run, more the investor invests
at high prices, such a level where the corporate earnings are known to all.
Investors are busy buying the stocks on good news inflows. The operators has
now chance to offload the acquired stocks at their decided price and layman
investors crazily buying stocks on receipts of ‘short term earning stock TIPS’ </span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b>This is the main
difference. The front runner in the market always looks in to opportunity at
future date, will look at macros / fundamentals. They visualize what can be
good and what can go wrong at certain time frame and accordingly they take
risk. That is calculated risk. The common man invests looking to current
situations/reading corporate results and hence his transaction price is
discounted by prevailing news. He is late entrant and so he always pays premium
for the news which is known to all.</b></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">So always
try to understand fundamentals of economy which is basis of equity market
growth. Before buying a stock understand market price history of the stock.
Purely entering in to equity market after reading P&L and balance sheet may
be proved to be a shocking loss by entering at higher price. The operators
successfully sell their holding during market hype making handsome profits.</span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Ending this
write up, I think next boost to Indian economy will be through crude oil
prices. Once the crude prices eases, all the macros listed above will become
positive. </span><span style="font-size: small;"><b>FII was strong buyer in equity market in last year and
the same is continued even now, my instinct says there will be easing in crude
oil prices in current calendar year. The positive news may put the Stock market
on fire.</b> </span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><br /></span></span></div>
<div class="yiv1068098192msonormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">(Important
Note: This article is a write up to provide information. The predictions may go
wrong. This is not invitation to invest to any scheme.)</span></span></div>
</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-68120095019833750402012-12-04T18:18:00.001+05:302012-12-04T22:35:18.615+05:30“CONSUMPTION” & “A STRONG ECONOMY”<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">Whenever I listen fund managers, they frequently use word
“CONSUMPTION”. According to Equity experts, “CONSUMPTION” is a great driver to
boost GDP among other boost factors to stock market.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">Today, I will discuss “CONSUMPTION” & “A STRONG
ECONOMY” in very simple words.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">Before we consume, we “BUY”. So buying is the basic of consumption. Buying
capacity comes from our income. We need to buy necessities and we buy luxuries
too. More we buy from our income, we are left with less saving on hand for
other needs, future goals & causalities. If we don’t have money on hand to
buy our desires, we opt to “Borrow”. To feed for all our spending, we borrow
more and it contributes to higher the growth of “Banking Industry”. But <b>a borrower enters in to a long term
repaying contract (EMI). What his earning of today and tomorrow, he has to pay
for the previous borrowings. Not in all cases but excessive blind spending may
lead one to “Debt Trap”.</b></span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">All traders, Manufacturers and Government (In light
words “The Game Gurus”) too wish that people spend more money. That is the real
success Mantra. Additional help is received by Celebrities through their
endorsement to products and Large Events (Like Sports Events, TV Shows etc.).
This helps all three Game Gurus to give people a sip of fun for buying, people
take the sip and spend very unconsciously.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">Let us go to the word “Consumption” once again. If
consumption is for necessities like health or education, it improves standard
of living & creates basics of growth of individual and society. But if the
consumption is for lifestyle, for fashion, entertainment & vanishing
products, the buyer left with nothing on hand. Such consumption leads to more
trapping situation.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">A suggestion. Please start observing people around
you. <b>Those who are not aware about
spending, they are making their own road of disaster, because once they start
living in higher life style, later they will not be able to compromise. This
will lead them to an imaginary<span style="color: red;"> </span>feeling, “I am
special. I need different superior environment (in Food, People, Clothes,
Brands etc.) around me”. By living in such environment, one further goes deeper
into this false idea and in case of any unforeseen event, he collapses. </b></span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">This is the short story of unaware consumption.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">Now, let us look to GDP and then “A strong Economy”.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">When consumption grows, the traders, manufacturers,
media, celebrities & Government earns, whereas the unaware spender left
with less savings.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">When one buys for a product it is boost to a trade, so
GDP grows & Government is happy with the figures, corporate profit grows
& Sensex naturally grows.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">However, the money spent for a product should be
manufactured in our country. It gives employment to mass, growth of
Manufacturing activity, new employment generated due to economic activities,
Higher Tax revenue to government etc. <b>But
if the money spent for imported products (Foreign country products), we as a
country, looses as our currency (Rupee) becomes weak, low employment generation
& low tax revenue to government.</b> Other countries are exporting their
product so they earn, they become stronger at our cost, all this due to
unaware spending of people. So a strong Economy is a country which exports more
& imports wisely.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><b><span lang="EN-GB" style="line-height: 115%;">A strong
country is result of a strong economy. This is possible only with strong SPIRIT
of the people of the country… No arguments, only one Oath… Our country, Our
Economy, Our Products, Our currency and everything ours….. </span></b></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><span style="font-family: Arial,Helvetica,sans-serif;"><span lang="EN-GB" style="line-height: 115%;">Are We………..????????</span></span></span></div>
</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-75343115731793793632012-10-02T19:26:00.000+05:302012-10-25T11:57:15.358+05:30KAL, AAJ aur KAL<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">The all time
common question asked is<b> “Shun lage chhe?”</b>, ‘’Kya lagta hai?”</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;"></span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">The funny
answer to it is ‘’Shenu shu lage chhe?” </span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">There are
many things where we can discuss the “Lage Chhe” effect. Predictions are expected
for Rain, Budget, Mehngai (Inflation), Gold, Real estate & of course Equity
Sensex.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">Everybody
try to get some immediate relief by asking two lines & others reply to it
as if they know everything and should at least speak something when asked.</span></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">Since long
before, I am being asked these questions for Equity Sensex predictions. Replying
to this common question “Kya lagta hai” before 25 years, in the very initial
years of my career, I used to become serious to reply & though having no deep
clue of market, I used to deliver my opinion on market. However, I accept that
most of the predictions I made have not met because they were copied. I was
using somebody’s words. </span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">But now the
time has changed. I know that everybody express their views with their own vested
interest. Fund raisers presentations are so designed that listeners are
attracted to invest in their scheme. Some media presents / highlights some
schemes and performance which are smartly prepared considering specific time
period which is in favour of the scheme they want to promote.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">Isn’t it
sounding like darkness every where? I think it is tough to share market
predictions with confidence. However, while predicting anything, proper pros
& cons must be shared with listeners. Everybody should consider that market
runs on fundamentals, demand/supply rules, uncertainties and Greed & fear
factors.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">My Latest
market predictions in the form of KAL (Jan –Sep 2012), AAJ (Sept-Oct 2012) &
KAL (2013), may read with all uncertainties on market regarding Politics,
inflation, Interest rates, trade deficit, fiscal deficit, & lot more.</span></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: center;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><b><span style="line-height: 115%;">KAL, AAJ AUR KAL</span></b></span></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium none; margin-left: 0px; margin-right: 0px; text-align: left;">
<tbody>
<tr style="height: 35.5pt;">
<td rowspan="4" style="border: 1pt solid windowtext; height: 35.5pt; padding: 0in 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Yesterday</span></span></div>
</td>
<td style="-moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: windowtext windowtext windowtext -moz-use-text-color; border-image: none; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 35.5pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin: 0in 0in 0.0001pt 1.7pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Scenario</span></span></div>
</td>
<td style="-moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: windowtext windowtext windowtext -moz-use-text-color; border-image: none; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 35.5pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span>High crude prices. Hence very weak Indian
currency</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">High Inflation, Poor GDP data</span></span></li>
</ul>
</td>
</tr>
<tr style="height: 49.45pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 49.45pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Foreign (vested) interest</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 49.45pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Rating agencies declining India’s ratings</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Negative comments from foreign media for
Indian leadership & government</span></span></li>
</ul>
</td>
</tr>
<tr style="height: 59.35pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 59.35pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Indian Investor’s behavior</span></span></b></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 59.35pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Stressed investors having no returns in
last 5 years of investment sells most equity in belief that market will not
perform.</span></span></b></li>
<li><b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">FII (Foreign interests) came in to buy
this equity.</span></span></b></li>
</ul>
</td>
</tr>
<tr style="height: 36.85pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 36.85pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Conclusion</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 36.85pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Foreign (vested) interests have created situation that Indian
government has to open doors for FDI in various sectors.</span></span></li>
</ul>
</td>
</tr>
<tr style="height: 35.95pt;">
<td rowspan="4" style="-moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color windowtext windowtext; border-image: none; border-right: 1pt solid windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 35.95pt; padding: 0in 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Present</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 35.95pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Scenario</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 35.95pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Indian government turns into “Show off”
mood.</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Declares FDI in retail & other
sectors, Diesel price hike etc.</span></span></li>
</ul>
</td>
</tr>
<tr style="height: 35.05pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 35.05pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Foreign (vested) interest</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 35.05pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Heavy and continuous buying of equity by
FII</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">High inflow of dollars and Indian rupee
improving.</span></span></li>
</ul>
</td>
</tr>
<tr style="height: 49.45pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 49.45pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Indian investor’s behavior</span></span></b></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 49.45pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">With fear in mind of market to go down, more Indians selling
their equity.</span></span></b></li>
</ul>
</td>
</tr>
<tr style="height: 35.05pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 35.05pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Conclusion</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 35.05pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Foreign (vested) interests finally succeeded in mission to make
the Indian government to open the doors for FDI in various sectors.</span></span></li>
</ul>
</td>
</tr>
<tr style="height: 76pt;">
<td rowspan="4" style="-moz-border-bottom-colors: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color windowtext windowtext; border-image: none; border-right: 1pt solid windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 76pt; padding: 0in 5.4pt; width: 56.8pt;" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Future</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 76pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Scenario</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 76pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>Crude prices going down</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Rating agencies improves India’s rating</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Foreign media praising positive steps by
government</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Expectations of GDP to be on right track
once again</span></span></li>
</ul>
</td>
</tr>
<tr style="height: 103pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 103pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Foreign (vested) interest</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 103pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Rupee is gaining (say below 50) and
equities gains to new hype mode.</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">FII gradually starts booking profit.</span></span></li>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">FII benefits from</span></span></li>
</ul>
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Purchased equities at high rupee price</span></span>
<br />
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Stock market gain over period of time</span></span><br />
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span>Selling equities at low rupee price</span></span></td>
</tr>
<tr style="height: 34.6pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 34.6pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Indian investor’s behavior</span></span></b></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 34.6pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span>“India shining” hype is created.</span></span></li>
<li><b><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">In “Rahi Gayo” mood, buy stocks crazily
at high prices</span></span></b></li>
</ul>
</td>
</tr>
<tr style="height: 31pt;">
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31pt; padding: 0in 5.4pt; width: 83.6pt;" width="111"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">Conclusion</span></span></div>
</td>
<td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31pt; padding: 0in 5.4pt; width: 321.75pt;" width="429"><ul>
<li><span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;">FII makes profit while Indian investors locked with buying at
high price.</span></span></li>
</ul>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: small;"><span style="line-height: 115%;">I have done
a risky prediction of market, but <b>the sad end of this story that My fellow
Indian investors are expected to be losers in this game if they are not smart
enough. </b></span></span></span></div>
</div>
</div>
Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com2tag:blogger.com,1999:blog-8154656520549522321.post-69830312852041407772012-06-14T15:57:00.000+05:302012-06-14T15:57:10.647+05:30English and Economics: Absolutely Hilarious<div dir="ltr" style="text-align: left;" trbidi="on">
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<br />
<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="font-family: Arial,Helvetica,sans-serif;">
</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin: 12pt 0in 0.0001pt; text-align: justify;">
We will
begin with a box, and plural is boxes</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
But the
plural of ox becomes oxen, not oxes.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin: 12pt 0in 0.0001pt; text-align: justify;">
If I
speak of my foot and show you my feet</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
And I
give you a boot, would a pair be called beet?</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin: 12pt 0in 0.0001pt; text-align: justify;">
Then the
masculine pronouns are he, his and him</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
But
imagine the feminine: she, shis and shim!</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin: 12pt 0in 0.0001pt; text-align: justify;">
Let’s
face it- English is a crazy language.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin-bottom: 0.0001pt; text-align: justify;">
There is no egg in eggplant or ham in
hamburger</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin-bottom: 0.0001pt; text-align: justify;">
Neither apple nor pine in pineapple.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
English
muffins weren’t invented in England.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
We take
English for granted, but if we explore its paradoxes, we find that boxing rings
are square, and a guinea pig is neither from guinea nor is it a pig. And why is
it that Grocers don’t groce and hammers don’t harm?</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin: 12pt 0in 0.0001pt; text-align: justify;">
If
teachers taught, why didn’t preachers praught?</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
If a
vegetarian eats vegetables, what does a humanitarian eat?</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin: 12pt 0in 0.0001pt; text-align: justify;">
And in
Closing…….</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; margin: 12pt 0in 0.0001pt; text-align: justify;">
If Father
is pop, how come mother’s not Mop???????</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
(Taken from
“Dignity Dialogue” June 2012 Issue from “English: Absolutely Hilarious” by KRK
Moorthy)</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
Yes, we
have lot more funny things around us, even in our daily market gossip.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
Let us
look to the world of Indian economy. We are now surrounded by various 24*7 news
channels and flooded with lot of information, most of them are unnecessary. The “Experts” delivers opinion; interestingly
very basic things are forgotten by these experts. Let us give a look to it.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
Our
country’s Foreign Exchange surplus is invested in US treasury which earns
around 3 to 4% per annum. However, FII inflow of equity market, in around half
year, makes profit of 10 to 15% from equity market movement with tax benefits
& goes back to their home country. During the same period our government
makes funny 3-4%
from the US treasury investments for full one year investment. Interestingly, still
we all
are very happy when we see FII positive inflow data.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
Experts
are happy with IIP Growth data of various sectors including growth of Auto
sector sales. Interestingly, the increase in traffic, air pollution, time
consumption on road & burden by crude oil import bill is not at all the
point being talked.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
Those who
earn money & pay tax, have good money (accounted money) on hand. The post
tax returns from FD and Equity of last couple of years is not sufficient enough
to cover inflation. Because of anti money laundering law, only two
sectors (gold & real estate) are left for investment of unaccounted money. Real
estate has multiplied by 3 to 4 times in last 5 years and gold has also
delivered handsome returns. It is funny to observe that those who hold
unaccounted money have been able to earn good returns compare to the honest tax
payers.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
The bankers (global scenario) lend
money to earn good interest income. To grow, lending is extended to sub
standard category of assets. Over a period of time, the books of banks lending
moves from safe to risk, but as soon as banks reach to such default position,
government enters & helps bank to survive. As per government opinion, this
is important to sustain investor’s (public) confidence in bank. As banks do not
default even though their bad workings, a general opinion prevails in the public
that nothing to worry while investing in bank. Interestingly, nobody bothers
that the government which supplies money to banks may itself come in to trouble
on any day.</div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">
Our
investment market (or environment) is as funny as English language we speak.</div>
</div>
</div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-21248281834434883522012-03-28T12:49:00.001+05:302012-03-28T12:49:37.021+05:30One and forever advice – “Give time to the market”<div dir="ltr" style="text-align: left;" trbidi="on">
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<div style="font-family: Arial,Helvetica,sans-serif; text-align: left;" trbidi="on">
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">In a
meeting with my investor clients last week, there was long discussion regarding
which asset class is the best?</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">As
currently all real estate investors are very happy with their real estate
investments. Almost all agreed to one asset class. I.e. Real Assets</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">I am
happy if investors earn from whatever asset class they have invested in…..</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">In
conclusion of the meeting, my statement to all was as per below:</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">In
1980’s BSE SENSEX was introduced with reference to 100, which is now around
17000 level. It shows 170 times growth in 32 years. A very good performance
indeed!!! The gold and real estate have also given very good appreciation to
the investors as well taking the same period on account.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">So
my advice to all was very simple.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">The
asset class whichever is preferred by investors performs only after given time.
If investor fails to wait, than he gets disappointed with the poor performance
which is for a time being only or he
sells the asset in desperation & jump in to other shining asset & try
to chase the returns which is already left & may miss earning opportunity
of both asset class & most possibly he may loose the money.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">The
key take away is “Give time to the investment instead of timing the market “ </span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">In
last 10 years,</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">There
was great time for all asset classes like</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">2003-2007
– We have seen 5 times growth in Equity Sensex.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">2008-2012 – Gold & real estate have given
great returns.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">If
investor understands the Economy cycle of ups – downs & if he rides this
curve smartly, he can earn smart money. Others with patience & cool and
long term investors will also earn handsome returns. Those who try to chase
returns & entering at top price of assets are most likely losers.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">Even
at current sensex level of 17000, investors are in panic & in no mood of
investing in equity. Most of their funds are invested in fixed investment
opportunities & thankfully there are very good interest rate opportunities
available for investing in Fixed Deposit like HDFC Ltd. & GRUH FINANCE and
Debt MF schemes like FMPs & BOND FUNDs are also getting attention of
investors.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">SBI
DYNAMIC BOND FUND, UTI BOND FUND & TEMPLETON INDIA CORPORATE BOND
OPPORTUNITIES FUNDS are also some schemes where investors are looking
investment opportunities due to tax advantage & its fixed income nature.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">However
the burning issue is, should one invest in equity now?????</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">I
think one should invest in equity at current sensex level in the range of 17000
to 17500. However, investor should first see his risk profile, better not to
jump in equity in single stroke & he should try to understand the possible
loss if invested in equity.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">The
equity has not performed in last 5 years. Equity sensex is at a level where it
was before 5 years. So, it is better for investor to find out how much risk he
can take & then he can enter in equity. </span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: small;">As
advised earlier <b><span style="line-height: 115%;">“Give time
to market”.</span></b></span></div>
</div>
</div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-57992243486813441452012-01-17T15:57:00.000+05:302012-01-17T15:57:13.416+05:30Too much borrowing is damaging<div dir="ltr" style="text-align: left;" trbidi="on"><script type="text/javascript">
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<div dir="ltr" style="text-align: left;" trbidi="on"><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"></div><div style="text-align: justify;"><span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><span style="line-height: 115%;">We receive sales calls trying to sell us a credit card. There is a lot of meaning to the economy of credit card buying habits. When a person wanted to buy something that was in excess of his available funds, he can use someone else’s savings and buy it. Now, on repayment he reduces his monthly savings and increases more spending. However, if collectively, a society went on a shopping mood, it would result in serious events:</span></span><span style="font-size: small;"><span style="line-height: 115%;"> </span></span></div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><ul><li><span style="font-size: small;"><span style="line-height: 115%;">A</span><span style="line-height: 115%;">s a result of higher sales and profitability, the companies would be happy. The companies will expand capacities in anticipation of demand. Immediate positive result of this is, Jobs will be created, more factories built, more revenue to Government and a fill good factor will also felt.</span></span></li>
</ul></div><ul style="text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="font-family: Arial,Helvetica,sans-serif; line-height: 115%;">Banks would be happy as they would expand Loan book, higher profit and large balance sheet. Then recruitment of more people, pay hefty salaries, giving them sales target to be achieved and believing that this growth is for real.</span></span></li>
</ul><ul style="text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="font-family: Arial,Helvetica,sans-serif; line-height: 115%;">As Government has more tax revenue, will spend more. The Governments subsidy spending on social sectors is not productive and do not create an asset.</span></span></li>
</ul><ul style="font-family: Arial,Helvetica,sans-serif; text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="line-height: 115%;">Increase in asset prices. More people buy assets, they leverage, and buy more assets. This leads to an asset inflation, which increases core inflation as input prices increase. Agricultural land gets converted into construction and investment land, increasing pressure for food prices.</span></span></li>
</ul><ul style="font-family: Arial,Helvetica,sans-serif; text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="line-height: 115%;">Society as large feels good that they spend more, earn more, and save more. Everyone feels good till the party ends because events starts turning reverse. Such as price spike of a commodity or maintaining the living at higher costs. Governments in turn try to “simulate” the economy by reducing interest rates, but this hardly works.</span></span></li>
</ul><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; line-height: 115%; margin-bottom: 10pt; text-align: justify;"><span style="font-size: small;"><span style="line-height: 115%;">Government has choice of taxing and using it to spend on infrastructure or paying pension, subsidies and loss incurring companies to save them defaulting.</span></span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; line-height: 115%; margin-bottom: 10pt; text-align: justify;"><span style="font-size: small;"><span style="line-height: 115%;">The bad part is the debt trap of borrowing to keep the fire burning which starts in the government and the society.</span></span></div><ul style="font-family: Arial,Helvetica,sans-serif; text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="line-height: 115%;">Governments have the power to print any amount of currency and hence can pay down any debt. This creates a false impression that governments are AAA. </span></span></li>
</ul><ul style="text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="font-family: Arial,Helvetica,sans-serif; line-height: 115%;">This false belief has been perpetrated to such an extent that government believed in false power. Hence currencies depreciate and cause inflation, and erosion of buying power. </span></span></li>
</ul><ul style="font-family: Arial,Helvetica,sans-serif; text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="line-height: 115%;">Government then try to reduce own responsibility by saying that the private sector will do the work more efficiently and with less corruption. So we “invite” private and foreign companies.</span></span></li>
</ul><div><ul style="font-family: Arial,Helvetica,sans-serif; text-align: left;"><li><span style="font-size: small;"><span style="line-height: 115%;"></span><span style="line-height: 115%;">The central bank is an authority allowing restructuring loans to avert a banking crisis, and banks generously utilize the window to restructure.</span></span></li>
</ul><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; line-height: 115%; margin-bottom: 10pt; text-align: justify;"><span style="font-size: small;"><span style="line-height: 115%;">Looking to India, we consume more, import more, export less and have a trade deficit. Downward pressure on the currency and its impact on inflation, The country funds its trade deficits using long term FDI, repatriation of earnings by NRIs and welcomes FII inflows. However, the inflow is of the nature of short run. Strong decisions are yet to be taken by the Government. In absence of firm actions, this situation will continue until a strong leadership takes control.</span></span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; line-height: 115%; margin-bottom: 10pt; text-align: justify;"><span style="font-size: small;"><span style="line-height: 115%;">After discounting the negative factors and hopefully encouraging steps from government, economy will make U turn. Optimism will improve in market and the first runners will earn high returns and laymen will follow them. It is rightly said that “Only unexpected is expected from the market”.</span></span></div></div></div></div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-62717750259997006242011-11-24T10:59:00.001+05:302011-11-24T11:01:02.497+05:30Dare to Dream<div dir="ltr" style="text-align: left;" trbidi="on"><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><script type="text/javascript">
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</script></div><div dir="ltr" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;" trbidi="on"><div class="MsoNormal">Greetings to Readers,</div><div class="MsoNormal"><br />
</div><div class="MsoNormal">At Current market level investors are not enthusiastic to invest in Equity Mutual funds. The market is under pressure of lot of negative news. One can see current market situation with following dimensions.</div><ul><li>Indian Equity Market has seen tough times before on various occasions, even though the sensex Long-term return is 15%+.</li>
</ul><ul><li>When an investor is entering in equity at lower sensex, his probability of loss is low or the quantum of loss is low (and higher possibility of earning good returns).</li>
</ul><ul><li>Almost all domestic & international negative news are discounted / factored in sensex. So buying at current level means buying stock of all those investors who are throwing away stocks at cheap prices.</li>
</ul><ul><li>Investors should consider share prices V/S corporate earnings of stocks. When corporate earnings is expected to grow or remain at parallel level but the stock prices are going down, means stocks are available at cheap levels, Is this a time to grab the opportunity?</li>
</ul><ul><li>Investors should put together performance of all economies. The possibility of revival of Indian economy is very high compare of other economies.</li>
</ul><ul><li>The most dangerous challenge to Indian Economy is inflation & current a/c deficit. They are not lifelong issues. The main culprit is crude oil prices. </li>
</ul><ul><li>The crude oil price itself is very volatile & in last 4 years we have seen the range of $ 60 to $145 & down to $35 & now near to $100. It is purely on speculation. All speculations are always settled over a period of time. It never lasts forever. That is main relaxing fact.</li>
</ul><div class="MsoNormal">Surrounded by all negatives, even single positive indication may spark. <b>Sir John Franklin Templeton has rightly said “Only unexpected is expected from the market”</b></div><div class="MsoNormal"><br />
</div><div class="MsoNormal">This market crash is an investment opportunity for investors having 3 years+ horizon & expect good returns from equities in time to come. At least it is wise to enter in equities when others are afraid of market. Logically at downward market there are few sellers. They believe that why to sell at bottom? They prefer to hold equities for some more time. Slowly market stabilizes & all of a sudden market takes upward move at Rocket speed. The general trend of investors is mostly on herd mentality. Only smart investors take smart decisions and ride on the market.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal">This has proved for several times. Will this repeat once again? Would you “Dare to Dream”? Would you like a ride at Rocket speed?</div><div class="MsoNormal"><br />
</div><div class="MsoNormal">Investors must be aware with the risk / benefits attached to the investment schemes in which they are investing. The key to success is to identify the risk / return attached at the time of investment.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b>There is always risk associated with equity market, but at current level, the difference is, the quantum of risk is less.</b></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><u><b>Our strong advise for Equity Investment.</b></u></div><ul><li>We advise you to invest in Dividend yield MF Schemes. Investor is comfortable with regular dividend income from good cash rich dividend paying companies. (With possibility of capital appreciation when market takes U turn). </li>
</ul><ul><li>During the Mandi, investor prefers to protect the investments and to earn parallel regular income like fixed deposits and so prefer to buy Dividend Yield stocks.</li>
</ul><ul><li>Even the existing investors are not interested to sell the Dividend Yield Stocks, because at least they earn regular Dividend income from the stocks.</li>
</ul></div></div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-23622224874408134712011-10-21T21:58:00.008+05:302011-10-26T15:50:03.551+05:30What have we learnt from History?<div dir="ltr" style="text-align: left;" trbidi="on"><div dir="ltr" style="text-align: left;" trbidi="on"><span style="font-size: small;"> </span><br />
<div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">Namaste to Readers.<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">There is a good saying : I do not recollect who said it but it is worth to mention here…<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><b><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></b></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><b>“I learn from the history that the world did not learn from the history”</b><o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">Good!!! How nice to learn something from somebody’s mistakes or at least from our mistakes?</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">I think we should visualize a situation where we are given a chance for a flashback in our life and suppose we have options to reverse what we did in our childhood, in our young age, as parents, as the head of the family, in our job/business/profession, in education, in career and lot more areas. Now going forward to the initial thought, how many of us will regret for our previous deeds and try to reverse it? What will we try most to reverse?<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">If we give one more phase to the thought, imagine that this is a year of 1980 and how many of us will like to invest in gold, Fixed deposits, Real estate or equity for a long period of 25 or more years? This is an exercise. Ask yourself. <o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">I did this exercise with some of my keens. Out of 28 persons I asked, 75% chose to invest in equity (should I understand that this 75% feels that they missed the equity investment opportunity in 80’s?)<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">I come to a conclusion, I cannot claim it that it is perfect but I request all my friends to look at it seriously.<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">As a decision maker, one should always take a chance in all available options. <o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">Do you know the great saying?<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">“Regret of Commissions” and</span></span><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif; font-size: small; line-height: 18px;"> “Regret of Omissions”</span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">What is best?<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">When you are left with only one option to choose from to do or not to do… My opinion is very clear: opt to do it. </span></span><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif; font-size: small; line-height: 18px;">Because if you will do it and if it proves to be a good, it is great, it is your success. If it is proved to be wrong, at least you will have an experience to share with others and a doubt is cleared and now your mind is not in dilemma.</span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">Most of us have the psychology to remain in an ideological box (it is a psychological barrier box). Consider it this way. We have one life; we live the whole life within that closed box and missed the fantasy of this colorful universe. So most of the time we feel of missed out something or regret for holding closed ideas and force others to follow your path which is not acceptable to them.<o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><b>It is important for all of us to welcome new ideas, challenges and opportunities. Either we can do different work or we can work differently. If we continue doing the same thing of what we have done previously, we will be the same personality in coming time too.</b> <o:p></o:p></span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;"><br />
</span></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small; line-height: 115%;"><span class="Apple-style-span" style="font-family: Arial,Helvetica,sans-serif;">So what calls us? Are we ready to change yourselves? Psychologists say that 70% of the mind (personality) of a person is developed before he attains age of 7 to 8 years. Very few are successfully challenge themselves and come out of this built up and only those persons become FRONTRUNNER.<o:p></o:p></span></span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;"><br />
</span><br />
<div class="MsoNormal" style="text-align: justify;"><span style="font-size: small;">In last 3 months, stock markets have remained in extreme volatile condition. In this period, Sensex have moved in between 15,800 and 17,100 mark.</span></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: small;">Those investors who feel that it is not time to invest in this volatile market might regret for their omissions in future. Valuations are attractive and volatile market has its own potential of growth through systematic investments. Same way if market goes further down, investors might regret for their commissions. </span><br />
<br />
<b><span style="font-size: small;">However, at current point of time in discounted market, important commissions are necessary to avoid "Regret of Omissions". </span></b></div></div></div></div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0Ahmedabad, Gujarat, India23.0395677 72.56600449999996322.9220977 72.441739499999969 23.1570377 72.690269499999957tag:blogger.com,1999:blog-8154656520549522321.post-55412186255350714102011-08-10T16:27:00.002+05:302011-08-10T18:37:27.340+05:30Understanding US credit rating downgrading logically.<div dir="ltr" style="text-align: left;" trbidi="on"><div dir="ltr" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;" trbidi="on"><div class="MsoNormal"><span style="font-size: small;">Greetings to readers,</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: small;">Let me discuss on recent issues of USA.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: small;">The USA downgrading is major global shock to investors. I have gone through various articles and speeches of experts in industry. I want to briefly discuss the issues here.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: small;">We all like money. We are pleased when money has inward flow. So in order to welcome new funds, most of the fund managers speak / write positive out of USA downgrading event. Very few accept that it is hard to predict what can happen in short and long run. The financial downgrading of such a large country is very rare event. For almost all, it is the first time experience. This has not happened to USA ever in history even during Great Depression (1929-1933) or during Dot-Com bubble (2001) or during recent recession (2008-2009).</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: small;">I am jumping in to express views this crowd, but differently.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: small;">As I said, I cannot predict much on financials and economics; I prefer to submit my views with applying logic. So my following views are based only on logic and no weightage is given to other factors. (I believe that in long run logic exists).</span></div><ul><li><span style="font-size: small;"><span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span>The downgrading of USA is shocking for USA administration too. It is possible that some soft/hard actions being taken by them to ease the situation. Even a minor outcome will be cheered by all. </span></li>
</ul><span style="font-size: small;"><span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span><br />
<ul><li><span style="font-size: small;">The money is with government (which is in debt) and the money is with financial institutions (received as investment from investors). I believe that financial institutions have their own goal to give higher returns to their investors. So on short run, they are expected to remain in cash to meet possible redemption pressure from investors (this has happened during Dubai and Greece crisis). But in long run, they will eye on opportunities available in emerging countries. I believe that there will be first major detachment of financial institutions from USA market. (Weightage to US is likely to reduce).</span></li>
</ul><ul><li><span style="font-size: small;">The US market is still trading at high PE level, which I believe will rationalize. In such condition, US market will squeeze and emerging market will grow.</span></li>
</ul><span style="font-size: small;"><span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span><br />
<ul><li><span style="font-size: small;">The downgrading will have pressure on government mechanism. Strict policy decisions are expected. The likely hit will be US citizen, the economies mostly depending on export to US and industry depend on US consumption. I believe that too strict actions will harm other economies. </span></li>
</ul><ul><li><span style="font-size: small;"><span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span>The US government will become strict on financial discipline. The possible areas are US import, outward investment and unnecessary consumptions / spending.</span></li>
</ul><span style="font-size: small;"><span style="font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span><br />
<ul><li><span style="font-size: small;">The non US rich economies will eye and search for more safe growth opportunities. Emerging economies seems to be best market destination.</span></li>
</ul><ul><li><span style="font-size: small;">The dominance of US dollar as international currency will be at shaken position. Euro itself is in poor condition. Chinese currency Yuan is not acceptable to all due to non transparent policies of china. Then which currency will trade primarily? Is Gold prices still boom? All very hard to predict.</span></li>
</ul><div class="MsoNormal"><span style="font-size: small;">In conclusion, if few lines to be said, I would say,</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: small;">“Nothing will be zeroed down. The best act at panic situation is to cool down. Nobody knows what will happen. Everybody predicts for their own benefit and within their knowledge circle. So it is better to believe in God. The world is not going to end. </span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: small;">My best wishes to all of you and apologies for the dark side of future which I don’t know but dare to write some lines.</span></div></div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><script type="text/javascript">
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</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;"> </span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">Last week, I had a talk with group of MBA students. The subject was career in finance industry. Among other topics, I had a brief discussion on Genuine Investment Strategy and Conditioned Mind. Post session, there were questions which realized me that lot of knowledge is required on Genuine Financial Planning and not that what is being sold popularly.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">However this time, I will start discussion on Conditioning of mind. Psychologists claim that the new born child starts developing acceptance of atmosphere around him. So when he do not speak and do not express, He can observe and store the images in his back of the mind. It is said that 70% of the people’s nature/attitude is built when they attains the age of 7/8 years. That is why when parents ask/shout to the kid to not to do something (say, NO to TV) or to go for studies and he hardly listens it. Instead, he observes that what is being denied to him (to watch TV) is interestingly done by the parents themselves.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">So when we say, it is a sanskar, swabhav or habit, in fact, it is a conditioned mind which put a man in to a box. </span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">The conditioned mind is like a strong belief for religion, eating habits, brand consciousness, expression attitudes, argumental nature and lot more. The conditioned mind put one in to comfortable in favored situations and vice versa. He is comfortable with some people and has discomfort with other set of people. Comfort with particular brand, Food, clothing, perfumes etc. This conditioned mind’s comfort puts one in to exploitation mode. When a person loves a brand lot, he is ready to pay higher price for his comfort. And that is the successes of big brand. With overdose of advertisement, media nuisances, and celebrity endorsements the mass (even a common man from very poor class) develops conditioned mind for the brand. The celebrity claims/endorses for a product (Soap, for example) is mostly an untruth and endorsed for advertisement/financial contract only. (We all know all soaps are more or less made with same material than why so much variation in different brands.)</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">This conditioned mind applies to various areas too. It may be for medical assistance (for a doctor), for a chocolate, for a filmy hero, for an airline, for toothpaste, for a religious guru or hundreds of areas….</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">The main point one has to understand that his love towards anything (under conditioned mind) should not lead him to his own exploitation.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">If one overcomes the above negatives of the conditioned mind, it is a strong positive also.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">A strong belief to own idea leads to a straight success. Those who were considered Paagal or dhooni, etc. have achieved great success. Their inventions with life have shown different ways to the society.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">Better is one starts observing own attitudes, find out own conditioned mind and its positives and negatives.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><span style="font-size: small;">Investors also have their mind conditioned. Many investors see Bank FDs and insurance as only investment options. History says that only those who came out of their box have given exceptional results. One has to think about Mutual Funds, SIP and asset allocation in various investment sectors to get good financial strength through investments.</span></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><b><span style="font-size: small;">We only need to think differently and have to stick on it to get out of conventional box thinking.</span></b></div><div style="font-family: Arial,Helvetica,sans-serif;"><br />
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</script></div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-27733346079973306972011-05-18T12:57:00.000+05:302011-05-18T12:57:58.890+05:30The danger of Capitalism.<div dir="ltr" style="text-align: left;" trbidi="on"><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:RelyOnVML/> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--><!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The Danger of <b><u>Over Capital.</u></b></div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><b><u> </u></b></div><div> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">Few years back, I read some points of the book “Dass Capital” of Carl Marx. Since then I am very much aware about the dark side of “Capitalization”</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The growth /development Mania is being admired everywhere but it contains needs of lot from people. Earlier, we had small businesses & small businessmen with their street-side shops. Now we have big malls, big retailers being run by big corporate, selling daily consumer items and killing business opportunities & new job opportunities.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">So slowly we are entering in an economy of fewer businessmen & fewer entrepreneurs and more managers & more employees.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">Where the danger is?</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">I remember an indicative case.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">In Maharashtra, The municipal body of a town was not able to implement clean drinking water project for citizen to free them from clean water scarcity. The reason is that a mafia of that region was running business of water tank. Having turnover of some corers of rupees from his hundreds of water tank trucks running 24x7, He was actively lobbying for not to implement free flow of water to citizens from civic body. This is from single person!!!</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">Now imagine when corporate (the big size) companies in to picture to finalize the policies to safeguards their businesses, their wasted interest. So the picture would be like this,</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The pharmaceutical company is more interested to sell more drugs than to promote good health.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The Auto companies are more interested to sell vehicles than to care for pollution & heavy traffic.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The banks are more interested to sell credit cards & undesirable loans than to care for financial freedom.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The media & entertainment industry is more interested in large number of readership than clear & next thoughtful society.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The schools & colleges wishes more pass outs to fill their seats than to provide educated literate output to the society.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><b>The financial adviser, brokers, corporate banks etc. are more interested in selling revenue generated product than to provide value based financial literacy to investor.</b></div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The FMCG industry wishes to bulk more products in to the house of the buyer with free schemes ignoring what he really needs.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">& this has no end…</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">A new wasted interest lobby is being developed. We call it as free economy where corporate growths are important. It comes from hard earned money of the citizens who does not have any vision for short or long term. He is helpless to needs & requirement of his own family members.</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">An individual cannot fight to this system individually. History says that it is a cycle of capitalism to communism to socialism and back to capitalism</div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">An individual can keep himself away from all this hi-fi temptations and if possible he can jump in to this growth journey by participating / buying of equity faction. This can be possible for him by buying Equity Mutual Funds or starting monthly SIP in Equity MF. The only solution is to give time to investments and keep patience. One has to look for long term wealth creation rather than short term profit booking. Time cycle will turn thousands to lacs and crores in years to come. </div><div style="text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><b>Now, one has to decide whether to book profit short term for some thousand rupees or to wait and gain high returns of long term patience becoming some lacs or crores.</b></div></div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-91915967270895919632011-05-03T16:45:00.000+05:302011-05-03T16:45:39.900+05:30Young generation (Part 2), Cricket Mania and 80 / 20 principal.<div dir="ltr" style="text-align: left;" trbidi="on"><div style="font-family: Arial,Helvetica,sans-serif; text-align: left;"><!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:RelyOnVML/> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--><!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> <w:UseFELayout/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">In India, we have different fever at different time. Currently the cricket fever is on full moon mode back to back. First the world cup winning occasion and second is ongoing IPL season. There are 10 teams and no one is bothered if they win or loose. It is all advertisement game. The stake holders are getting millions from advertisement and sponsorship. And what is the target group of all these millions ruppes expenditure? The young generation.</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">The young generation wants something thrilling every day. Yahoo chatting box, MSN messenger, Orkut and lastly Facebook are the instruments used by the youths to improve “Social Networking”. Twitter is now on hot seat but who knows how much time it will last. The media is pouring fuel to all this thrill demand. But the sad part is nobody is aware that in all this thrill game the large part of the society is part of the game. As a spectator he is being USED. I am worried for all this wastage of human hours of this energetic young generation.</div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">Recently I was talking to somebody on the 80/20 principal. This applies here also. 80% of the young generation is not aware of what they are doing in the best years of their life and remaining 20% doing something seriously which can help them to build a strong career.</div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">In my investment advisory this is the same observation. This 80/20 principal exists in investment decisions. 80% of the investors are not aware about various factors like inflation, tax, liquidity, expenses, risk and growth potential of their investment. So, the outcome is wrong investment product in the hands of investors and missing best earning opportunities of the prospective time. I do not foresee any improvement in near future. The move by SEBI for certification for investment advisory in Mutual funds and insurance has brought new educated people in this field but they are running and pushing hard various products to complete their revenue targets. Ethics are hardly seen. The asset allocation funds are considered to be the basic to start any investment advice is missing in most discussions.</div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">Why this important part is being ignored? The reply is people are more worried about the figures of their heroes. How many centuries and half centuries of a player, how many runs in how many balls and what is average run rates and what is the latest advertisement contracts etc. etc. But this poor lay man is ignorant of very important figures of his own. He does not know that what amount he needs for better retired life and what will be educational expenses for his kids and what is rate of return expected to meet his goals etc. etc.. Oh! I am shocked to know fact of a recent survey, 35% of a person’s income is spent for children’s education!!!</div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;">If you will see others, you will have hardly a time to see for yourself. So, I believe now the latest mantra should be “Jago bhai Jago aur kal ke liye socho”</div><div style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"> </div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><br />
</div><div class="MsoNormal" style="font-family: Arial,Helvetica,sans-serif; text-align: justify;"><b>“Games jarur Dekho magar socho apna game na hojaye” </b></div></div>Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0tag:blogger.com,1999:blog-8154656520549522321.post-15677933933946954542011-03-29T15:29:00.000+05:302011-03-29T15:29:29.985+05:30Market of Growth, young genration in India and bit of Union budget 2011-12I am not sure what should be the correct heading for the blog, “Economy of Size” or “Economy of Growth”! We should not much bothered for words. However, I think, some words make a lot of difference. <br />
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The US market is large in size and Equities are traded at higher PE. In India, we have growth but equities are not traded at higher PE. Why US stocks are traded at higher PE when the economy there is sluggish? The reason is many US companies earn profit from their operation outside US. So no matter how US economy performs, companies’ profit from world economy matters to them. <br />
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The second question is, why some Indian stocks are available at cheap valuations? I think India is emerging country. The foreign institutional investors allocate some percentage to invest in India. Their confidence has to be built over a period of time. Thus, the first entrants will get benefit of pricing. Even Waren Buffet has decided to enter heavily in India when the market is six times higher than 2003 level.<br />
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For investors, success is to find opportunities to visualize more opportunities and to give time to these opportunities to grow. India is country of opportunities. There are lots of points to criticize in India like Indian system, Indian politics, Indian bureaucracy etc. But the real connoisseur will find gems from the stones. So the master stock picker will be front runner. The story of success depends on story of growth. Once in joint meeting, Mr. Sandip Sabharwal said that money will follow growth. So find out growth and not size. Once you have good growth opportunity, everything will follow.<br />
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India has largest young population in the world. This generation lives with one mantra “SPEND”. So the word “EMI” is more popular to youngsters than “SIP”. The corporates know it and they always capture every opportunity to be in eyes and minds of young generation whether it is cricket, bollywood or any other means. Today’s young generation who starts working sees high ambitions. On very first month of working they targets car and own a house. After 1 or 2 year when they have adequate capital they get Car loan or home loan in order to achieve their ambitions. Now they pay EMIs every month. I define <b>EMI as Spend today, Pay later and Pay interest</b>. Isn’t it a business of loss? What if the youth starts doing SIP and saves money for 10 years. He can have car with surplus money having earned the interest. I define <b>SIP as Save today, Spend later and Earn interest</b>. <br />
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While Son and Daughter are busy in spending, The only option left for the “Poor dad” is to ride the Indian growth story by investing in the equity market with at least little amount using SIP to keep pace with the growing market. Then only the “Poor Dad” will become a “Rich Dad”.<br />
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In recent union budget, a major positive impact on mutual fund is now foreign investors with KYC compliance can directly invest in SEBI registered mutual funds. This will still take some time to overcome issue of currency volatility. But it will result in source of funding to India’s account deficit and huge amount for AMCs.<br />
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The budget has got some more attractions for those who have taste in Infrastructure bonds / investments. It is proposed in the budget to introduce Rupees 30,000 crore bonds issued by government undertakings which is to encourage domestic investors. On the other hand, to encourage foreign investors and to enhance flow of funds in infrastructure sector, the budget has increased the ceiling limit for FII from 20 Billion US$ to 25 Billion US$ in corporate bonds. <br />
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Do not forget to comment your views.<br />
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Thank you,Shalibhadrahttp://www.blogger.com/profile/15783145698081330324noreply@blogger.com0