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Personal Finance
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Equity investment is for a long term . Make an asset allocation . Stick to it . Do not change your asset allocation according to Sensex levels. Please rebalance your portfolio according to your allocation every year. Avoid sector funds and NFOs. Look at value research rated funds. Invest atleast 60% in large cap funds. Invest via SIP ONLY.
Here are my 5 funds - Please keep a watch on their ratings.
1) HDFC TOP 200
2) DSPML TOP 100
3) Sundaram Select Focus
4) Reliance Growth
5) DWS Investment Opportunity Fund...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
nandarohit
Hi PCS Pune ji/ Other investment Gurus,
could you please help me in selecting Top 5 MFs to invest in Current Market?
Thanks in Advance.
Regards
Rohit Nanda 
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I completely agree on this and as govt. has announced recently to make it mandatory for Builders to have LIG and MIG (Low Income Group and Middle Income Group) houses in their plan. However this need to be monitored closely , else we will be back to square-one....
In reply to:
Will property prices drop sharply now?
Posted by :
Guest
People in India are afraid to point out that the real estate market is driven by the black money from tax evading businessmen and corrupt politicians and bureaucrats. Real estate is the only avenue to park these funds and slowdown or not these guys have no where else to take out this money and put into. They will stop rotating and speculating at the most and just hold. So unless the real estate market is regulated and made transparent it`s not going to reflect the true demand and paying power of the population. At most it will go down 20-25% from here and stay put for some time.
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Property prices will see sharp drop immediately, the reactions and the tremors are already felt and the casualties will be reported in 3 months time.The corrupt Indian politicians who have parked money in real estates, have already withdrawn leaving the recent speculators high and dry. The black money is now stashed abroad. I am Venkat from Training8m, Queensland Australia...
In reply to:
Will property prices drop sharply now?
Posted by : Guest
People in India are afraid to point out that the real estate market is driven by the black money from tax evading businessmen and corrupt politicians and bureaucrats. Real estate is the only avenue to park these funds and slowdown or not these guys have no where else to take out this money and put into. They will stop rotating and speculating at the most and just hold. So unless the real estate market is regulated and made transparent it`s not going to reflect the true demand and paying power of the population. At most it will go down 20-25% from here and stay put for some time.
Tracked by: 0 Boarder
Dear Mr.Venkat C,
If your Time Horizon is more than 2-3 years this is GOD GIFTED Opportunity to Invest in Selected ( not any) Equity Mutual Funds
( Large Cap Oriented ).
If you are already Invested in Above Average Performing Mutual Funds & incurred substantial Losses, you may wait for more than 1 year to Recover Losses. If you Redeem the Investments, you may not Recover the Losses.
If you are Invested in Below Average Performing Funds(Midcap/ Smallcap), Switch to Better Performing Large Cap Equity Funds.
Best Wishes,
P.C.Sharma...
In reply to:
Top 5 MFs to invest in Current Market
Posted by :
venkat_c
Hello Sir, instead of Buyingin the crashing markets, better exit at current levels, these are still the best levels to exit. Exit all big caps and mid cap stocks, I am Venkat from Training8m, Queensland Australia
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Hello Sir, instead of Buyingin the crashing markets, better exit at current levels, these are still the best levels to exit. Exit all big caps and mid cap stocks, I am Venkat from Training8m, Queensland Australia...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : pcspune
Dear Rohit Nanda,
Investment in Following Largecap Oriented Funds may be GOOD Option.
DSPML Top 100 Equity Fund
DWS Alpha Equity Fund
HDFC GROWTH / Top 200 Fund
IDFC Imperial Equity Fund
Sundaram Select Focus Fund.
Among New Funds I am monitoring the Performance of Reliance Quant Plus Fund * ICICI Focussed Equity Fund.
P.C.Sharma
Tracked by: 0 Boarder
Dear Radhika Nandlal.
All Banks give Loan Against F.D.
ICICI Bank offers Overdraft Facility ( Better than Loan)against Following ( Called LAS Account )
Selected Shares
Equity & Debt Mutual Funds
FD
NSC
Kisan Vikas Patra.
ULIPS of ICICI / LIC
Best option is to Discontinue Premium Payment for Unwanted Insurance Policies or Sureender them( Considering Tax Implications & LOSS of Principal amount Paid)
ICICI & HDFC Banks also give Loan against GOLD
P.C.Sharma
...
In reply to:
Investment costs
Posted by : radhika_nandlal
Yes i have no loans until now... i wanted to take a housing loan to build on top of my parents house..but i am not working so no loan will be given.. Will they give against policies i wonder.... i thought i should begin some business and the best place of course is the terrace of my parents home.. lets see..... nobody is giving loans against fixed deposits etc i think... now SBI is giving 11% interest onf FD..
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dear ashal,
congrats for being the boarder of the day.
regards
shakti...
In reply to:
Top 5 MFs to invest in Current Market
Posted by : ashalanshu
Dear nandarohit, investment should be goal/aim specific not for the market level. 2days Toppers may bite dust very next day. So u should invest first for ur goals & invest in funds which r regular in their performance & r part of Top quartile (Top 25% funds).
the list of such Top performing fund is already posted by fellow boarders. Plz check the same that it matches to ur risk appetite & goals & invest as per ur comfort level.
Plz. don`t invest in a lump sum, if u do have a lump sum amount plz. invest it first in Liq. + fund & then use weekly STP route to invest in ur target Eq. funds.
Thanks
Ashal
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Integrated Rate cut by all major central banks across world cant be ruled out. But chances of rate cut by FED after giving almost $1600 bn for bailout & cash loan remain low. Australia has also cut rate by 1%. Also, china might see rate cut....
In reply to:
See integrated rate cuts by world central bks: Asia Pac AMC
Posted by : MMB Messenger
Speaking to CNBC-TV18 James Chirnside, CIO at Asia Pac Asset Mgmt says if one has an allocation plan of over 12 months then it is a good idea to stat putting little bit of money into markets now. I expect some form of global coordinated Central Bank cut in rates said Chirnside.
Tracked by: 0 Boarder
Speaking to CNBC-TV18 James Chirnside, CIO at Asia Pac Asset Mgmt says if one has an allocation plan of over 12 months then it is a good idea to stat putting little bit of money into markets now. I expect some form of global coordinated Central Bank cut in rates said Chirnside....
Tracked by: 0 Boarder
I agree..the real estate price will fall in next 2 mnths...i have been hearing from friends woh are into real estate that many major builders are under heavy losses and they have no liquid...they are not able to keep their commitments of paying up in 3 mnths to various other parties...so hopefully prices will go down.....already they have started offering free parking and free stamp duty registrations.......
In reply to:
Will property prices drop sharply now?
Posted by :
stockgun
i think after the stock market, the property prices are the next to go.. in another 3-6 months we can see a sharp drop in real estate prices.. will increasing interest rates, the demand will slowly start reducing.. th only resistance in prices now will come from the demand that was waiting in the wings for prices to drop.. but after that blip that prices will steadily start falling...
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Whatever may happen unless atleast one builder goes bust prices are not going to come down and no builder is going to admit it....
In reply to:
Will property prices drop sharply now?
Posted by : pkk07
If that is your logic, why do you think people sell stock cheap? They should keep them till they get a better price for them.
Investment in ICICI Infrastructure, Sundaram Capex Oppurtunity, Reliance Vision, Reliance Natural Resources
Posted by : asha_rtTracked by: 0 Boarder
I was new with the market and had invested in the following funds last year :
Sundaram Capex Oppurtunity
Reliance Vision Fund
ICICI Infrastructure
Reliance Natural Resources.
Needless to say, the NAV of all these funds have dropped down. I dont mind statying invested for another five years in these funds. But, will it reap me any good returns then?? Please advice.....
Tracked by: 0 Boarder
Thanks for your message....
In reply to:
Market crash: What should you do now?
Posted by : stockgun
Deepa Venkatraghvan / Wealth Special
EXPERT ADVICE: Debt is a better bet for short-term investments when you are looking at steady returns.
When the going gets tough, the tough get going.
- Billy Ocean, singer
That really sums up what it takes for a retail investor to survive in these volatile times – nerves of steel and lots of courage. If you have poured in a substantial amount of your savings in equity shares or equity mutual funds, and are crumbling under the pressure of the falling markets, all is not lost. We spoke to some of the best financial advisers in the country and they tell you why you should simply not worry!
Stay put for the long-term
Our experts have said it before and they say it again -- equities are for the long term. Certified Financial Planner Gaurav Mashruwala says, "Anyone who has been investing for the long-term should not be affected by the market fluctuations. By long-term I mean seven to nine years."
Financial advisor Sanjay Matai elaborates by saying, "People should continue holding their investments. The current fall has been too sharp and it will take some time for the market to recover. The pain will be longer this time but the market will recover."
Remember: a loss is not a loss, till you sell. So, do not panic by simply looking at the notional loss. Hold on to your investments and watch them turn to profits in the long run.
Why the `long-term` argument pays
Some number crunching supports this. If you had invested in the BSE Sensex for a one-year period between 1979 and 2005, in 10 out of those 26 years, you would have lost money (see table).
But if you had stayed invested for more than 10 years, your chances of loss would be almost zero. And that too, you would have made an average return of 17 to 18 per cent per annum.
For those who thought equity was a place to make a quick buck, it is time to revisit this belief. If your goals are any shorter than five to seven years, then you should evaluate your investment avenues. Debt is a better bet for short-term investments when you are looking at steady returns.
Tips for first-time investors
If you have been a spectator so far, it`s a good time to start investing. But that advice comes with its share of caution.
"Those who haven`t tested the waters as yet should beware of playing the market on a short-term basis and focus more on long-term investments," warns Certified Financial Planner Kartik Jhaveri.
"When the market was at 21000, it was more risky to invest. But with the crash, the market has certainly become less risky. First-timers could invest in index funds. Veterans can experiment with mid-cap and large-cap stocks," advices Mashruwala.
Smart moves
If you really want to make your equity investments work for you, follow these simple tips:
Gaurav Mashruwala advices: Your equity investments should give you sound sleep. Instead, if you have sleepless night, then it is time to look at it. Enter the market, only if you have a long-term horizon.
Sandeep Shanbhag says: Equity is the only market where people tend to invest when prices are high. This is not a healthy policy.
With mutual funds, invest in installments and stick to your plan. With stocks, do your research before you invest. Don`t invest on the basis of tips and recommendations.
Kartik Jhaveri`s tips: Be careful not to invest all the money on Day One. Ideally, breakup your investments into smaller parts of say 10 to 15 per cent and complete your deployment over a period of time.
(With inputs from Suraj Anand and Elda Christy)
Disclaimer: While we have made efforts to ensure the accuracy of our content (consisting of articles and information), neither this website nor the author shall be held responsible for any losses/ incidents suffered by people accessing, using or is supplied with the content.
Tracked by: 0 Boarder
Deepa Venkatraghvan / Wealth Special
EXPERT ADVICE: Debt is a better bet for short-term investments when you are looking at steady returns.
When the going gets tough, the tough get going.
- Billy Ocean, singer
That really sums up what it takes for a retail investor to survive in these volatile times – nerves of steel and lots of courage. If you have poured in a substantial amount of your savings in equity shares or equity mutual funds, and are crumbling under the pressure of the falling markets, all is not lost. We spoke to some of the best financial advisers in the country and they tell you why you should simply not worry!
Stay put for the long-term
Our experts have said it before and they say it again -- equities are for the long term. Certified Financial Planner Gaurav Mashruwala says, "Anyone who has been investing for the long-term should not be affected by the market fluctuations. By long-term I mean seven to nine years."
Financial advisor Sanjay Matai elaborates by saying, "People should continue holding their investments. The current fall has been too sharp and it will take some time for the market to recover. The pain will be longer this time but the market will recover."
Remember: a loss is not a loss, till you sell. So, do not panic by simply looking at the notional loss. Hold on to your investments and watch them turn to profits in the long run.
Why the `long-term` argument pays
Some number crunching supports this. If you had invested in the BSE Sensex for a one-year period between 1979 and 2005, in 10 out of those 26 years, you would have lost money (see table).
But if you had stayed invested for more than 10 years, your chances of loss would be almost zero. And that too, you would have made an average return of 17 to 18 per cent per annum.
For those who thought equity was a place to make a quick buck, it is time to revisit this belief. If your goals are any shorter than five to seven years, then you should evaluate your investment avenues. Debt is a better bet for short-term investments when you are looking at steady returns.
Tips for first-time investors
If you have been a spectator so far, it`s a good time to start investing. But that advice comes with its share of caution.
"Those who haven`t tested the waters as yet should beware of playing the market on a short-term basis and focus more on long-term investments," warns Certified Financial Planner Kartik Jhaveri.
"When the market was at 21000, it was more risky to invest. But with the crash, the market has certainly become less risky. First-timers could invest in index funds. Veterans can experiment with mid-cap and large-cap stocks," advices Mashruwala.
Smart moves
If you really want to make your equity investments work for you, follow these simple tips:
Gaurav Mashruwala advices: Your equity investments should give you sound sleep. Instead, if you have sleepless night, then it is time to look at it. Enter the market, only if you have a long-term horizon.
Sandeep Shanbhag says: Equity is the only market where people tend to invest when prices are high. This is not a healthy policy.
With mutual funds, invest in installments and stick to your plan. With stocks, do your research before you invest. Don`t invest on the basis of tips and recommendations.
Kartik Jhaveri`s tips: Be careful not to invest all the money on Day One. Ideally, breakup your investments into smaller parts of say 10 to 15 per cent and complete your deployment over a period of time.
(With inputs from Suraj Anand and Elda Christy)
Disclaimer: While we have made efforts to ensure the accuracy of our content (consisting of articles and information), neither this website nor the author shall be held responsible for any losses/ incidents suffered by people accessing, using or is supplied with the content....
Tracked by: 0 Boarder
PV Subramanyam / Wealth Special
Sensex sheds 90 pts on profit selling
Never forget that what goes up, must come down.
This rule, I believe is the cornerstone of a successful and contented life. A sudden rise in the stock indices may have you smiling from ear to ear. It`s the slide that tests your real strength.
And if the current slide makes you feel timid, Wealth gives you these six tips:
Hear no evil
Forget about rationalising and explaining (or listening to other people explain) why stocks are falling. It`s a pointless exercise.
Remember the bad times
File the experience away as a worthwhile reminder of how risky the stocks are. Draw on that memory during the next market boom when optimistic market seers tell you that stocks are not risky.
Don`t wait it out
If you believe, based on your preferred market measure, that stocks have over corrected, don`t wait for the correction to end. In my case, I was investing in 1997 through 2008 -- it had nothing to do with the equity markets. It was a conviction that long-term monies should be in equities. So, if I have long-term money, it goes into equity, other wise it goes into a money market mutual fund.
Be contrarian
Recognise that even if you are right about the market overcompensating for past mistakes, there will be months of pain before the gain. Being a contrarian is easy on paper but much tougher in practice.
Change of perspective
Markets will go up and go down – you cannot change that. You can change the way you look at it. When you have money you will invest, when you need money you will sell. There is no call to action based on `what the market will do`. So that does not matter.
Get real
Console yourself with the recognition that the professional portfolio managers and the market experts you see on television are staring into tele-prompters not crystal balls.
These tips should keep you afloat even if things go from bad to worse. And when they do, here is another rule for you to remember: No Matter How Bad things are, remember they can always get worse! And on that happy note, I shall bid you goodbye.
Disclaimer: While we have made efforts to ensure the accuracy of our content (consisting of articles and information), neither this website nor the author shall be held responsible for any losses/ incidents suffered by people accessing, using or is supplied with the content.
For more log on to wealth.moneycontrol.com
...
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