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RANJAN  
Joined on : 14th-Feb-2007
Belongs to :  Platinum
Posted : 1558 messages
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Retired after 28 years from BANK OF INDIA. 7 Years experience in INSURANCE & Mutual Funds as ADVISOR. 35 years experience in Equity Market. Today I find youngsters earning well. But they are putting too much money in INSURANCE. People should buy only Term Insurance.Most of the time I am educating people with free advise.Mutual funds are the best investments for most people because most of them do not have the time,knowledge or money. So a long term SIP in valueresearch rated funds is the best way to make money.Also have a personal Mediclaim policy even if you are covered by group Mediclaim. Feel free to write to me at ranjankar@gmail.com. I am Chennai based.
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05 Dec 2008 08:46
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Five surgeons are discussing the types of people they like to operate on.
The first surgeon says: "I like to see accountants on my operating table because when open them up, everything inside is numbered."
The second responds: "Yeah, but you should try electricians! Everything inside them is colour-coded."
The third surgeon says: "No, I really think librarians are the best; Everything inside them is in alphabetical order."
The fourth surgeon chimes in: "You know I like engineers; Those guys always understand if you have a few parts left over."
But the fifth surgeon shut them all up when he observed: "You`re all wrong. Politicians are the easiest to operate on. There`s no guts, no heart, no balls, no brains and no spine. Plus, the head and the ass are interchangeable." ...
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04 Dec 2008 15:42
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God was in the process of creating the universe.

And he was explaining to his subordinates

`Look everything should be in balance.

For example, after every 10 deer there should be a lion.

Look here my fellow angels, here is the country of the United States .

I have blessed them with prosperity and money. But at the same time I have given them insecurity and tension....

And here is Africa . I have given them beautiful nature. But at the same time, I have given them climatic extremes.

And here is South America . I have given them lots of forests. But at the same time, I have given them lesser land so that they would have to cut off the forests...

So you see fellows, everything should be in balance.

One of the angels asked...

`God, what is this extremely beautiful country here?`

God said........ `Ahah...that is the crown piece of all. ` INDIA `,

My most precious creation.

It has understanding and friendly People.

Sparkling streams and serene mountains.

A culture which speaks of the great tradition that they live. Technologically brilliant and with a heart of gold.....

The angel was quite surprised:

`But god you said everything should be in balance.`

God replied –






`Look at the neighbors, I gave them.`
...
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03 Dec 2008 10:34
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1) HDFC TOP 200

2) DSPBR Top 100

3) Sundaram BNP Paribas Select Focus

4) DWS Investment Opportunity ...
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02 Dec 2008 20:09
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Invest Rs 30,000 in Sundaram Tax Saver & Rs 20,000 in DWS Tax Saving fund. Opt for dividend pay out. ...
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02 Dec 2008 13:47
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For a new investor avoid putting too much money in stocks. Mutual funds are a safer bet. Realty sector is the most volatile sector. Avoid this sector. Gain knowledge first. Invest after gaining experience. Invest in safer options like arbitrage funds. The dividend amount can be invested in stocks. After a few years you can invest more in stocks....
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02 Dec 2008 13:38
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Avoid NSC totally. Bank F/d has a 5 year lock in and interest is fully taxable. Your best bet is a combination of PPF & ELSS. The break up will depend upon your asset allocation. If you are young you can invest 40-45000 in ELSS and balance in PPF. Invest your PPF amount before 5/12/08 so that you will get interest for December also.
ELSS amount you can either invest in SUNDARAM BNP PARIBAS TAX SAVER or
DWS TAX SAVING fund.( free insurance cover if you are below 50 years) ...
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01 Dec 2008 17:45
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I follow valueresearch ratings. Go to valueresearchonline dot com ...
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