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Budgeting and planning
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Anusridi,
Thanks for your query. I am a sclaper and daily trader. My bets are small and i am not right most times. I am just popular here becoz i chat a lot.
The best persons/boarders to ask about MFs, they are Pcspune, Ashalanshu, RANJAN, Kentmss... Kindly ask them.
For long term take the help of Joetom, Nadhi, sbalu, RAMGE, Pranky..
i am just a trader.
popular boarders are not necessarily savvy investors or traders.
As i see it you have got the best stocks and best MFs... now i request other esteemed boarders to pick your query. I also request you to query them directly.
Thanks....
In reply to:
request for advise on portfolio advise
Posted by :
anusridi
Dear Radjika_nandalaji,
I just came across your name in moneycontrol and request your guidance in rebuilding my portfolio with your valuable advise to get back my portfolio on right track.(undoubtedly utilizing your valuable time).
My age and other personal details ..54 years old , voluntarily retired, having 2 sons studying. I have invested about 4,70,000/- in stocks and MFs and wants to invest further in MFs whenever I get some money. I will be redeeming this amount after 2 years for my sons ’ education .
For engaging myself I entered in stocks and MFs blindly and was in profit up to January 2008.Please don’t laugh at my stocks portfolio. I don’t know how to tackle presently with stocks. I have invested about Rs.1, 00,000/- in shares and about Rs.3.70,000/- in MFs. I know that my loss in stocks is about Rs.22, 000/-(accepted) and now I want to revise my portfolio viz. which stocks have to be disposed , which have to be kept and in which stocks have to invest. And also the MF portfolio is to be revised. Sir, when I started my aim was to invest 1,00,000/- in stocks and about 4,00,000/- in MFs for 2-3 years and get about 15-16% return. For the stocks I am holding presently I have invested 1,04,000/-during 07-08 ,present cash credit (with brokerage firm) is 11,500/-, and cost of the present market value is about 72,000/- .That means the loss is about 21,500/- .
My stocks are
SCRIP QTY ACTUAL RATE ACTUAL VALUE
BHEL 2 2522.05 5044.10
GUJ MIN DEVL 10 554.36 5543.58
HDFC BANK LT 3 1737.14 5211.42
INFRA DEVFIN 35 224.46 7856.25
JAI CORP LIM 8 1261.75 10094.01
LARSEN & TOUBRO LTD. 2 4326.28 8652.55
NTPC LTD 35 210.85 7379.85
REL PET 14 212.91 2980.69
SESA GOA LTD 20 159.33 3186.65
STATE BANK OF INDIA 15 2403.95 36059.26
STER HOL RES(BSE INDONEXT) 50 91.00 4550.00
UNIPLY IND 315 29.43 9269.70
UNITECH LTD 19 343.44 6525.45
And my MFs are..
Fund Qty # Inv. Amt.
Av. Pur Date
Birla SL AAF -Conservative (D) 604.75 9295
15.37
HDFC Prudence Fund (G) 116.34 15357
132
LIC MF Floater MIP-Plan A (AD) 2068.22 25005
12.09
LIC MF Floating Rate Fund (G) 2272.77 28000 STP to LIC index fund weekly 1000/- since 2 months
12.32
LIC MF MIP (MD) 4885.62 50029
10.24
Reliance Diver. Power - RP (G) 148.74 10000 present SIP OF 1000/-
67.23
Reliance Equity Fund - RP(G) 1000 10000
10
Reliance Growth Fund - RP (G) 61.35 24000 present SIP OF 1000/-
391.22
Reliance Natural Resources (G) 978 10005
10.23
Reliance Vision Fund - RP (G) 43.14 10000 present SIP OF 1000/-
231.83
SBI Magnum Contra Fund (G) 1383.64 74993
54.2
SBI Magnum Global Fund (D) 1744.32 57999 present SIP OF 1000/-
33.25
SBI Magnum Insta Cash (G) 546.75 10000
18.29
SBI Magnum Tax Gain (D) 182.63 10001
54.76
UTI VIS - Index Linked (D) 1759.2 24998
14.21
Total 369682
Kindly advise further rearrangement of the stock portfolio
And also I want your advice to whom can I contact for further financial advise (with fees)
Kindly help me .Please send to my email address.
My email address is anusridi@gmail.com
Thanking You,
Yours faithfully
anusridi
07.09.08
Tracked by: 1 Boarder
no comment , i want to read next page but cant open...
In reply to:
All is not lost: 12 rules that can save you further losses
Posted by : shookershocks
very good and very needful for each investor
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Companies will have to pay more on the loans taken from lenders.
net profit will decline. Dividend cannot be given to shareholders. Shares of such companies may be sold at lower prices in share market. Comanies engaged in financial services likely to perform well. Shares of such companies likely to do well....
Tracked by: 3 Boarders
Dear neeraj_saini441
Presently thers are five Gold ETFs in India.
Gold Benchmark ETF
Kotak Gold ETF
Reliance Gold ETF
UTI Gold ETF
Quantum Gold ETF
you can invest in any one of them. Return from all Gold ETFs are almost same.each gold ETFs unit are approx worth 1 gm of of gold price.These are open ended funds and hence can be purchased any day at NAV + appliacble load if any.Almost all Gold ETFs have been launched recently so they dont have any history as such.expense ratio of all ETFs are 1%. minimum investment amt in Benchmark Gold is 10000, in UTI ETF it is 20000 whereas in all other ETFs it is 5000 only.
You need to have a Demat account for purchasing Gold ETFs and tax treatment of all these funds are just like a debt fund. As such LTCG Tax will be applicable.
Regds
Ashport...
In reply to:
Gold ETF
Posted by : neeraj_saini441
I want to buy gold etf kindly give me more information about this.
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I require a HELPFUL financial advisor who can advice me in replanning my resourses .Kindly give your email address with list of details you want. ...
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any update on IEC .
Jaicorp below 300 will start looking good again . 1000 in 3 years is a distinct possibility . are you tracking jcorp ?...
In reply to:
HBJ Capital FREE Newsletters!!!
Posted by :
10in3
One of the best newsletter & research report on Indian stock market available thru HBJ Capital Group.
-Street Smart- Newsletter with complete coverage on -Education Sector and Opportunities in BSE/NSE listed Companies- Sent to Paid Subscribers Today.
Dear Readers,
We are delighted to announce that, today we are releasing HBJ Capital’s Newsletter -Street Smart Part – 1- for Aug’08 (2nd Part was already sent last week) which covers exhaustive study on Indian Education Sector and best opportunities available in BSE/NSE listed education companies.
HBJ Capital has suggested investing in some of the best companies from education sector in this newsletter.
To avail our monthly newsletter called -Street Smart- and many more research reports like -10in3 – research on small cap companies with 10times in 3 years potential-, Option trading ideas etc, we would request you to go for paid service offered by HBJ Capital at just Rs 12,000 per year.
Thanks
10in3 from HBJ Capital
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hi,
i am trading online from sometime and had account with ICICI , but the brokerage charges are quite high.
I am trying to find a better alternative. requesting the comments from the investors as well as traders about there experience and choices:
The Requirements are:
1. Low account opening charges and yearly maintainence. No hidden cost.
2. Competetive brokerage both in cash and fno (one of the broker has given me 20 paisa - delivery and 2 paisa - intra day , but minimum brokerage is Rs 25)
3. Facility to place orders before opening the market. (ICICI has this facility -- order is shown in que-- . icici also allows u to place basket order i.e. 2-3 scrips at the same time)
4. Trade execution and rate updates to be reasonablly fast.
5. Good research reports.
6 Assurance that the funds (inflow and outflow) is correctly calculated. as i have never checked that in last years. there are lot of deductions happen apart from the contract note like the intra depaository chareges etc. ...
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The First Job- The first job for any individual marks a turning point in his life. The first paycheck acts as a gateway to new opportunities and of course, financial independence.
It could also mean preparing to shoulder responsibilities, if your family budget is in need of augmentation.
Even if you are not required to contribute, you still owe it to yourself to handle your finances with care.
Insure yourself---------The first thing that you need to look at once you get your salary is insurance — for yourself as well as your dependants. “You should opt for a term insurance cover now that you have a steady stream of income. If you buy a life cover at a young age, you will have to pay lower premiums. The value of the cover can be 10 times your annual cost-to-company (CTC),” said PARK Financial Advisors’ director Swapnil Pawar. Life insurance premium paid is eligible for tax deduction under Section 80 C, but protection, and not tax benefits, should be the criterion for taking such decisions.
However, according to My Financial Advisor’s director Amar Pandit, there is no need to get a life insurance policy in the first year of worklife if you have no dependants. You would be better off acquiring a mediclaim with a cover of Rs 3 lakh-5 lakh, he says. Even if your organisation offers a health cover, it would still be worthwhile to sign up for a standalone policy. In addition, you can claim a deduction of up to Rs 15,000 under Section 80 D on health insurance premiums. You can get a health cover for your parents. It entitles you to an additional tax deduction of up to Rs 15,000.
Avoid loans------------Next, you need to guard against the temptation to borrow funds to purchase cars, bikes or consumer durables.
You should leave such decisions for the second year if not later, feel financial advisors. “Consumption loans are not a good idea.
Also, if at all you have any surplus left after addressing your needs, it is advisable to avail of a home loan jointly with your parent/s,” adds Mr Pandit.
Strive to save----------If you are single and living by yourself with a monthly income of less than Rs 25,000, your target savings rate can be 40%, while it can be 50% for those earning Rs 25,000 to Rs 50,000.
For people with an income of above Rs 50,000, the ideal savings rate would be 60%,” explains Mr Pawar. A part of the savings could go towards building a corpus for meeting emergency needs.
Investing small sums------------Ideally, you should direct a minimum of 25% of your gross income towards investments,” advises Mr Pandit. If you are jittery about dealing in equities, you could put small amounts of money into PPF and fixed deposits.
While FDs can yield a return of around 10% at the moment, you should go for them only if you fall in the no-tax or low-tax brackets. PPF, which carries a return of 8% p.a, offers tax breaks under Section 80 C. Investing small sums on a regular basis could result in a sizeable corpus over a period of time.
If you invest Rs 5,000 every month in a PPF, your kitty would swell to Rs 17.40 lakh after 15 years. The returns are certainly not comparable to those offered by equities, but it is better than letting your money lie idle in a savings account.
Target savings----------However, your risk-taking capacity would be high when you are in your 20s. Investing in equities — either directly or through mutual funds — could be your best bet. “To start with, you need to invest 80% of your target savings in three equity mutual funds through the SIP route,” suggests Mr Pawar.
If you stay invested with a long-term view, equities can offer you far better returns than other avenues.
Besides, investments of up to Rs 1 lakh in some equity MF schemes — equity-linked saving schemes (ELSS) — are eligible for deduction under Section 80 C, thus presenting you with the dual benefit of tax-saving as well as investment.
(By:Preeti Kulkarni, Economic Times)
...
Tracked by: 0 Boarder
One of the best newsletter & research report on Indian stock market available thru HBJ Capital Group.
-Street Smart- Newsletter with complete coverage on -Education Sector and Opportunities in BSE/NSE listed Companies- Sent to Paid Subscribers Today.
Dear Readers,
We are delighted to announce that, today we are releasing HBJ Capital’s Newsletter -Street Smart Part – 1- for Aug’08 (2nd Part was already sent last week) which covers exhaustive study on Indian Education Sector and best opportunities available in BSE/NSE listed education companies.
HBJ Capital has suggested investing in some of the best companies from education sector in this newsletter.
To avail our monthly newsletter called -Street Smart- and many more research reports like -10in3 – research on small cap companies with 10times in 3 years potential-, Option trading ideas etc, we would request you to go for paid service offered by HBJ Capital at just Rs 12,000 per year.
Thanks
10in3 from HBJ Capital...
Tracked by: 3 Boarders
Dear Nodick,
First of all, I will request you to mind your language and don't use harsh or bad words.
Dear Neeraj,
Go ahead for DSPML World Gold Fund and AIG Gold Funds with equil ratio.
Make it 5-10% of your folio, just to diversify.
Else, for long run, Equity returns outclass all types of investments....
In reply to:
Gold ETF
Posted by : Nodick
Again you idiot started to invest in gold and gold will correct heavily. Mr Shrikant I m surprised how can you advise others when yourself is big dumb in investment
Tracked by: 1 Boarder
Are you still holding the stocks you mentioned? There is something called stop loss in investment terms. I am afraid you are not familiar with this term. You have entered at the time market was at its peak & in most of the cases I do not see any likelihood of those levels to return in the next one year excepting Reliance. What is the fun in investing in small quantities in 21 stocks? For a person like you it would have been better to invest in mutual funds. Even now it is not late.
Anakhi...
In reply to:
portfolio modification
Posted by : anusridi
Sir i have entered the stock market during Jan 08 and having foloowing
stocks qty rate
ACTION CONST 135 87.47
BHARTI ARTL 3 981.05
BHEL 2 2522.05
CHOKSI IMAG 15 30.89
GUJ MIN DEVL 10 554.36
HDFC BANK LT 3 1737.14
INFRA DEVFIN 35 224.46
JAI CORP LIM 8 1261.75
LNT 2 4326.28
NTPC LTD 35 210.85
ORISA SP 2 679.78
REL PET 14 212.91
RELIANCE 1 2646.17
SESA GOA LTD 5 165.83
SBI 19 2234.70
STER HOL 50 91
SURYACHAKRA 30 27.64
TVS MOTOR L 10 38.79
UNIPLY IND 375 30.07
UNITECH LTD 19 343.44
VISHAL EXPO 250 2.5
Kindly help me in reallocating the portfolio or whether to keep the same for about 1-2 years.anusridi anusridi@gmail.com
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Anjana Makkar
Grievance Redressal Officer
Citi Group
Sir/ Mam,
Sub : Complaint Ref No.-----RE:'Citibank=007-919-892' Re: RE:
With reference to your email dated August 07, 2008 IBO I had sent all the required papers to your office at the address given below.
Citigroup
Global Services
22, Camac Street ,5th floor
Kolkatta - 400 093
Ph: 033-22890233
I had sent my voter I card, Pan card and all the documents required for the issue of No objection certificate for the termination of Hire Purchase agreement. Many days have passed by, but I have not succeeded in getting the NOC from your Institution. I , don’t understand the reason for the delay. It is said that that your organization is best among all the Financial Institutions, but I have had a bitter experience. I have been trying to get the NOC from last four months, but have not succeeded till date.
How long I have to wait or to whom should I contact. I am in great trouble. I once again request you to look into it and arrange to issue me Hire purchase termination Letter as soon as possible.
Thanking you,
Yours Truly
Anil Kumar Bhagat
Shree Ram Agencies
Near Budh murti, Kadam kuan
Patna – 800 003.
...
Tracked by: 1 Boarder
Sir i have entered the stock market during Jan 08 and having foloowing
stocks qty rate
ACTION CONST 135 87.47
BHARTI ARTL 3 981.05
BHEL 2 2522.05
CHOKSI IMAG 15 30.89
GUJ MIN DEVL 10 554.36
HDFC BANK LT 3 1737.14
INFRA DEVFIN 35 224.46
JAI CORP LIM 8 1261.75
LNT 2 4326.28
NTPC LTD 35 210.85
ORISA SP 2 679.78
REL PET 14 212.91
RELIANCE 1 2646.17
SESA GOA LTD 5 165.83
SBI 19 2234.70
STER HOL 50 91
SURYACHAKRA 30 27.64
TVS MOTOR L 10 38.79
UNIPLY IND 375 30.07
UNITECH LTD 19 343.44
VISHAL EXPO 250 2.5
Kindly help me in reallocating the portfolio or whether to keep the same for about 1-2 years.anusridi anusridi@gmail.com...
Tracked by: 3 Boarders
Dear Neeraj,
Instead of Gold ETFs you better invest in AIG world Gold Fund or DSPML World Gold Fund for better returns.
These funds invest in Gold Mining Stocks worldwide and have typically given returns above that of Gold. And moreover, you don't need a Demat Account for buying the fund.
Read more about these funds from my previous messages or in my blog goodfundadvisor dot blogspot dot com...
In reply to:
Gold ETF
Posted by : neeraj_saini441
I want to buy gold etf kindly give me more information about this.
Tracked by: 3 Boarders
Dear neeraj saini441, To invest in Gold ETFs (GETFs), first u should have a demat account. If u don't have one already, open the same with any DP with a trading account & a bank account for financial transaction. Once ur demat & trading accounts r open, u may purchase or sell the GETF units all thru the day just like any other share listed on market. At present following AMCs r offering GETFs in india. Normally a unit of GETF represents 1 gm. of gold price.
1. Benchmark
2. UTI
3. Relaince
4. Kotak
5. Quantum
Thanks
Ashal...
In reply to:
Gold ETF
Posted by : neeraj_saini441
I want to buy gold etf kindly give me more information about this.
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