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MF Investment Help
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Beware of sips in beer market. The hangover could be deadly. j/k...
In reply to:
INVESTMENT IDEAS !
Posted by :
RANJAN
Subject: Investment Ideas:-)
If you had purchased £1000 of Northern Rock shares one year
ago it would now be worth £4.95; with HBOS, earlier this week
your £1000 would have been worth £16.50and £1000 invested in XL
Leisure would now be worth less than £5, but if you bought £1000
worth of Heinenken Beer one year ago, drank it all, then took
the empty cans to an aluminium re-cycling plant, you would get
£214. So based on the above statistics the best current
investment advice is to drink heavily and re-cycleJ 
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i intend to invest rs. 1000/- pm through sip. pls. suggest good ones. preferably those dealing in large caps
...
Tracked by: 0 Boarder
Subject: Investment Ideas:-)
If you had purchased £1000 of Northern Rock shares one year
ago it would now be worth £4.95; with HBOS, earlier this week
your £1000 would have been worth £16.50and £1000 invested in XL
Leisure would now be worth less than £5, but if you bought £1000
worth of Heinenken Beer one year ago, drank it all, then took
the empty cans to an aluminium re-cycling plant, you would get
£214. So based on the above statistics the best current
investment advice is to drink heavily and re-cycleJ...
ashalanshu,
This is good thread to watch with good messages and interactions.
I am happy no kalidas is here on this thread. Motgages are of two types..
Equitable motgae and clean mortgage. you can not Mortgage your residential property for loan. Yes you can offer your Resi. property as coleteral for loan of Business purpose.
Commercial property........... You can have margin of around 50 % and three weeks to complete formalities........
Better to decide selling if up trend is restricted to less than 15 % yearsly and opt for hiring one on rent or lease. Except, PUNE, Hyderabad, NOIDA, vicinity Of delhi and Bangalore, PROPERTY RATES WILL CRASH AFTER DEEWALI........ Sell off, if you have solid investing ideas...... avoid stock market Gold and crude.....
Can buy Pharm land.... if eligible...........
In reply to:
beware of sips in bear market
Posted by : ashalanshu
Dear sp.palo, a very good morning to u too. by mortgage, i think u r asking for Loan against property. If my understanding is right about ur query, my dear friend, not many banks \\`ll provide u the facility under current tight liquidity situation. In fact PNB has already stopped the service last week. Even if u get the one, the amount of loan \\`ll not be more than 50-60% of ur flat value. Plz. do note, this loan \\`ll be a costly loan of 14-18% interest rate, depending upon the bank u r transacting with. The loan value \\`ll also depend upon the pay back capacity of the borrower.
Earlier the banks were offering overdraft facility against the property, but now a days it\\`s very rare to find the one.
As it \\`ll be a loan there \\`ll be a regular EMI payment for servicinf the loan.
About the JM basic fund, it\\`s a sectoral/thematic fund, which outperformed all the indices with a decent margin due to its concentrated call & performance of the underlying sector. But the same thing is hammering its performance heavily since january 2008. In fact most of JM funds r down around 45-55%, due to aggressive calls. The reason may be presence of Sandeep Sabharwal (the old SBI guy), within joining the JM MF, performance of all of EQ. schemes changed upwards drastically but the current market melt down has done its every bit to throw the plans of JM out of the gear.
Most of the Eq. funds of JM currently fall under high risk, high return category. If u do have courage to hold ur head firmly on ur shoulders without bothering about the performance of the JM funds in near future, it MAY reward u handsomely.
& it is a big MAY which later on may converts to HAD NOT.
Thanks
Ashal
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Dear Sharmaji,
The book uses American Stock market data for its comparisions. Since ours is a more volatile market, the VA concepts will work better for us.
Something interesting I found from the book is that, based on US data from 1962 to 1991, the author says VA works best on quarterly frequency. Surprisingly even for dollar cost averaging, quarterly frequency is as good as monthly frequency and both of these are better than daily and weekly frequency. I always thought shorter the frequency, the better. But that was not the case when compared over a period of 30 years based on the US markets.
Thanks,
Raj...
In reply to:
SIP (or) Timing the Market
Posted by : pcspune
Dear vvrk,
I could get his book on value Averaging today from Crossword. It is an Interesting Book for Informed Investors.
Since this BOOK is witten in American CONTEXT, we may have to slightly modify to suit to Indian Context ( Same Process ).
Thanks for Reference.
P.C.Sharma
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I started 20k monthly SIP in Jan ,2006,
I had already lost a lot should I continue SIP or exit as every month market is going down from previous month\\`s level....
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There is a compulsory lock in period of 3 years for all ELSS schemes .
So wait for 3 yrs. You can decide at that time. ...
In reply to:
Stay or quit
Posted by :
cherrypink
Hi, I have invested 20,000 six month back in DSP-ML TaxSaver (G),@ 15.28, now its value became much lesser than the invested amount. What to do? Should I quit or stay and wait, if quit then How?
Tracked by: 0 Boarder
Dear sp.palo, a very good morning to u too. by mortgage, i think u r asking for Loan against property. If my understanding is right about ur query, my dear friend, not many banks \\`ll provide u the facility under current tight liquidity situation. In fact PNB has already stopped the service last week. Even if u get the one, the amount of loan \\`ll not be more than 50-60% of ur flat value. Plz. do note, this loan \\`ll be a costly loan of 14-18% interest rate, depending upon the bank u r transacting with. The loan value \\`ll also depend upon the pay back capacity of the borrower.
Earlier the banks were offering overdraft facility against the property, but now a days it\\`s very rare to find the one.
As it \\`ll be a loan there \\`ll be a regular EMI payment for servicinf the loan.
About the JM basic fund, it\\`s a sectoral/thematic fund, which outperformed all the indices with a decent margin due to its concentrated call & performance of the underlying sector. But the same thing is hammering its performance heavily since january 2008. In fact most of JM funds r down around 45-55%, due to aggressive calls. The reason may be presence of Sandeep Sabharwal (the old SBI guy), within joining the JM MF, performance of all of EQ. schemes changed upwards drastically but the current market melt down has done its every bit to throw the plans of JM out of the gear.
Most of the Eq. funds of JM currently fall under high risk, high return category. If u do have courage to hold ur head firmly on ur shoulders without bothering about the performance of the JM funds in near future, it MAY reward u handsomely.
& it is a big MAY which later on may converts to HAD NOT.
Thanks
Ashal...
In reply to:
beware of sips in bear market
Posted by : sp.palo
Dear ashalanshu,
Good Morning. DO you have any idea on mortgages ? Suppose the cost of a flat is 25L. How much max the bank will give against mortgage of the flat ? Which bank provides the most ? And listen, how about the JM Basic fund ?
thanks & regards
shakti
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Dear ashalanshu,
Good Morning. DO you have any idea on mortgages ? Suppose the cost of a flat is 25L. How much max the bank will give against mortgage of the flat ? Which bank provides the most ? And listen, how about the JM Basic fund ?
thanks & regards
shakti...
In reply to:
beware of sips in bear market
Posted by : ashalanshu
Dear emptyvessel, for past 6 months among Eq. fund here is the data u wanted (as per VROL on 26th Sept 2008).
TOP PERFORMERS
1. UTI Pahrma & Healthcare 11.62%
2. Franklin Pharma 8.70%
3. Reliance Pharma 7.58%
4. JM Healthcare Sector 3.60%
Yes the above list definitely shows a pharma sector funds bias, same is the case in actual performance of stocks. Under current meltdown, Pharma & upto some extent FMCG r the only sectors which have performed positive.
Regarding ur NIFTY data, When the over all value of stocks is down across the market, how the funds can be remain unaffected but the good things is that there r funds who have controlled this slide better than market. The data is already available on VROL & other website & u may check the same.
Plz. do note Eq. investing is for long term (10-15-20 & even more years).
Thanks
Ashal
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The bitter battle between insurance companies and mutual fund houses has taken a dramatic turn. Beginning October 1, mutual fund houses will have to withdraw all products which offer mutual funds with an insurance cover....
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Insurance providers have decided not to provide group cover any more for mutual funds schemes offering insurance from the 1st of October.
the Insurance Lobby is very strong. They saw that their income is shrinking due to massive shifting of money from Insurance to Mutual Funds offering Free Insurance.
People have realised that ULIPs have high cost, non-flexible, high exit loads, hidden charges and have started shifting to Mutual Funds. The Insurance Players could not stand seeing the big loss staring at them.
Why should you pay 35% commission to Insurance Agent and a paltry 2% to Mutual Fund Agent?.
SEBI has always been favouring Insurance vis a vis Mutual Funds. Mutual Funds cant hire services of an Celebrity while the Insurance Agents can and do this to screw Lakhs of gullible Investors. Shame on IRDA for stopping something which is for the Good for the Investing Public.
Are they not doing a disservice to Investors?. Why is SEBI silent?.
We need to protest this decision by IRDA and ensure a Level playing field for Mutual Funds and Insurance.
If the Mutual Funds should not sell Insurance, well and Good, the Insurance Companies also should not sell ULIPs!!!....
In reply to:
Fund houses to scrap insurance cum MF products
Posted by : MMB Messenger
The bitter battle between insurance companies and mutual fund houses has taken a dramatic turn. Beginning October 1, mutual fund houses will have to withdraw all products which offer mutual funds with an insurance cover.
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Hi, I have invested 20,000 six month back in DSP-ML TaxSaver (G),@ 15.28, now its value became much lesser than the invested amount. What to do? Should I quit or stay and wait, if quit then How?...
Tracked by: 0 Boarder
Dear vvrk,
I could get his book on value Averaging today from Crossword. It is an Interesting Book for Informed Investors.
Since this BOOK is witten in American CONTEXT, we may have to slightly modify to suit to Indian Context ( Same Process ).
Thanks for Reference.
P.C.Sharma
...
In reply to:
SIP (or) Timing the Market
Posted by : vvrk
Dear Sharmaji,
The book is published by John Wiley & Sons, Inc.
ww w dot wiley dot com
I forgto the name of the store where I bought this book. I think it is Landmark or Crosswords.
Thanks,
Raj
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How about investing via Reliance RSF sip Insure....
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