Thursday, 30 November 2017

Long Term Investment - Invest in Real Estate

Long Term Investment  - Invest in Real Estate 




Long Term Investment 

Invest in Real Estate 

Investment in real estate is an ideal investment option for those who have huge cash as the returns from previous investment are encouraging. However, the real estate market lately has been giving very dismal returns and we do not expect the trend to change. The de-monetization impact has played a part and superlative returns cannot be expected because there is plenty of supply at the moment, especially in cities like Bangalore and Hyderabad. Buy into real estate only if you are a long term investor.

- tamil.goodreturns

Stocks and Share Analyst
MR.K.P.PRABHAGHARAN,
KKP CAPITAL, 9894333189



புதிய டெபட் மியூச்சுவல் ஃபண்டு வகைகள் பற்றி தெரியுமா?



புதிய டெபட் மியூச்சுவல் ஃபண்டு வகைகள் பற்றி தெரியுமா?




புதிய டெபட் மியூச்சுவல் ஃபண்டு வகைகள் பற்றி தெரியுமா?

கார்ப்பரேட் பத்திர நிதிகளில் மாற்றம் ஏஏஏ-கருவிகளின் சொத்துக்களில் தேவைப்படும் 80% க்கும் குறைவாக வைத்திருப்பதால், பல பெருநிறுவன பத்திர நிதிகள் ஒரு மாற்றுத் தொகுப்பைக் காணலாம். இதற்கிடையில், வங்கி மற்றும் பி.எஸ்.யூ. நிதி நிறுவனங்கள் பொதுத்துறை நிறுவனங்களால் வழங்கப்படும் திட்டங்களில் 80% முதலீட்டை முதலீடு செய்யும்.

-tamil.goodreturns.in


Mutual Fund Advisor
Call Us - 9894333189

Long Term Investment - Invest in Mutual Funds


Long Term Investment

Invest in Mutual Funds 

Investing in Mutual Funds are for those who want to invest in equities and bonds balancing the risk and return. There are various types of funds in which you can invest depending on the risk capacity. One can also opt for Systematic Investment Plan which enables you to build a portfolio over a longer time horizon with small investments at regular intervals reducing the risk of market volatility. This is almost similar to stocks in the sense there is an element of risk, if you buy into equity mutual fund. Go for these if you have sound advise. Again, like shares you should seek professional help, especially, if you are investing in the risky, equity mutual funds.

- tamil.goodreturns

Stocks and Share Analyst
MR.K.P.PRABHAGHARAN,
KKP CAPITAL, 9894333189

புதிய டெபட் மியூச்சுவல் ஃபண்டு வகைகள் பற்றி தெரியுமா?


புதிய டெபட் மியூச்சுவல் ஃபண்டு வகைகள் பற்றி தெரியுமா?




பெருநிறுவன பத்திர நிதிகள் Vs கடன் அபாய நிதிகள் பெருநிறுவன பத்திர நிதிகளுக்கும் கடன் அபாய நிதிகளுக்கும் இடையில் வேறுபாடு காண்பது எளிது. இரண்டும் பெருநிறுவன பத்திர நிதிகளில் முதலீடு செய்ய அனுமதிக்கப்பட்டுள்ள போதிலும், முன்னது ஏஏஏ அல்லது அதற்குச் சமமான மதிப்புடைய கருவியில் குறைந்தது 80% கார்பஸ் கொண்ட ஒரு தொகுப்பை உருவாக்கும். கடன் அபாய நிதிகள் - கடன் வாய்ப்புகளிலிருந்து மறுபெயரிடப்பட்டது. மறுபுறம், ஏஏ அல்லது குறைந்த மதிப்பீட்டுக் கருவிகளில் அதன் முதலீட்டில் குறைந்தபட்சம் 65% முதலீடு செய்யப்படும்.

-tamil.goodreturns.in

Mutual Fund Advisor 
Call Us - 9894333189


Talbros Automotive Components Ltd

Stocks And Share Analyst

Stocks And Share Analyst




"பங்குச்சந்தை" என்பது பலருக்கு புரியாத புதிர் மட்டும் அல்ல அறிவுக்கு விளங்காத போதையூட்டும் ஒரு வியாபாரமும் கூட. 

சரியான நேரத்தில் சரியான விலைக்கு பங்குகளை வாங்கி விற்றோமானால் இதனை போன்ற பணம் அறுவடை தரும் நிலம் எதுவும் இல்லை. 

ஆனால் தவறான முடிவுகள் அதே நிலத்தில் குழி தோண்டி புதைத்துவிடும் என்பதையும் மறந்துவிடலாகாது.

இந்திய பங்குச்சந்தையில் பங்கு பரிவர்த்தனை செய்ய விரும்புவோர்கள் முதலில் ஒரு நல்ல பங்குத்தரகரை தேர்வு செய்தல் வேண்டும்.

பங்குத்தரகர் என்பவர் யார்? 

1. இந்தியாவில் வங்கிகளை மேலாண்மை செய்ய எப்படி RBI (Reserve Bank Of India) என்ற அமைப்பு உள்ளதோ, அதைப்போல பங்குச்சந்தையை கண்காணிக்க SEBI (Securities and Exchange Board Of India) என்ற அமைப்பு உள்ளது. 
இந்த அமைப்பின் அனுமதி பெற்று, அலுவலகம் அமைத்து பொது மக்களுக்கிடையே பங்குபரிவர்த்தனை நடைபெற உதவும் நபரே பங்குத்தரகர் எனப்படுவார்.

2. பங்குகளை வாங்கவோ இல்லை விற்கவோ வேண்டுமானால் இந்த பங்குத்தரகரிடம் நாம் ஒரு கணக்கு துவங்க வேண்டும். அதன் மூலமாகவே 
பரிவர்த்தனைகள் நடக்கும். பங்குகளை நாம் வாங்கினால் யாரிடம் இருந்து வாங்குகிறோம் என்பது தெரியாது. விற்கும் பொழுதும் யாரிடம் 
விற்கிறோம் என்பது தெரியாது. ஆனால் இவர்களால், பணம் வரவு செலவு சரியாக நடந்துவிடும். 

3. ஒரு நல்ல பங்குத்தரகரின் வேலை, பங்குகளை வாங்க, விற்க உதவுவது மட்டும் அன்று. எந்த பங்கினை வாங்க வேண்டும், எப்பொழுது விற்க வேண்டும் என்று அறிவுறுத்துவதும் ஆகும்.

-laabamae

Stocks and Share Analyst
MR.K.P.PRABHAGHARAN,
KKP CAPITAL, 9894333189


Long Term Investment - Invest in Stocks


Long Term Investment - Invest in Stocks



Long Term Investment


Invest in Stocks

Stocks tend to give better return over the long term. However, there is no guarantee that you would come back with returns. One can opt as a part of the portfolio and percentage of allocation should be based on the risk capacity.

Timing the market may remain crucial here, given that the index currently is trading at a record 31,000 points.

So, you need to tread very carefully as you invest. Most of the parameters suggest that valuations of stocks are very high at the moment. So, though equities are a good long term bet, they may or may not churn returns depending on the shares that you buy. 

If you are new to investing you may need expert advise, before you consider shares as a long term investment option.

- tamil.goodreturns

Stocks and Share Analyst
MR.K.P.PRABHAGHARAN,
KKP CAPITAL, 9894333189







லாபம் அளிக்கும் வகையில் முதலீடு செய்வது எப்படி?




எஸ்ஐபி மூலம் முதலீடு செய்யுங்கள் 

உயர் சந்தை மதிப்பீடுகளின் பிடியில் சந்தைகள் இருந்தாலும் சந்தை எப்பொழுதும் காலத்திற்கு கட்டுப்பட்டது கிடையாது. 

பங்குச் சந்தையில் ஏற்படக் கூடிய எந்த ஒரு பெரிய வீழ்ச்சியும் லாபங்களை அகற்றலாம் அல்லது ஆரம்ப முதலீட்டின் மதிப்பைக் குறைக்கக்கூடும் என்பதால், பங்குச் சந்தைக்குள் எப்பொழுது நுழைந்து எப்பொழுது வெளியேறுவது என்பதை எந்தவொரு நிபுணரும் அறிவதில்லை. 

முறையான முதலீட்டுத் திட்டத்தின் மூலம் ஒவ்வொரு மாதமும் சிறிய தொகையை முதலீடு செய்வதன் மூலம் ஒரு குறிப்பிட்ட காலத்திற்குள் பெரிய செல்வத்தை உருவாக்க முடியும்.

ஒவ்வொரு மாதமும் முதலீடு செய்வதன் மூலம், சந்தையின் உச்சம் அல்லது தாழ்வு நிலைகளில் நாம் முதலீடு செய்வது உறுதி செய்யப்படுகிறது.

முதலீட்டாளரைப் பொறுத்தவரை, அவருடைய சிறிய வயதில் இருந்தே முதலீடு செய்ய வேண்டும். நீங்கள் உங்களுடைய ஆரம்பக் காலத்தில் ஆரம்பித்திருந்தால், உங்களுடைய சொத்தின் மதிப்பு நீண்ட காலத்திற்கு மேலாக வளர்ந்து மிகப் பெரிய தொகையாக இருக்கும். 

உங்களுடைய முதலீட்டில் குறைந்தது 80 சதவீதம் பங்குச் சந்தை சார்ந்த முதலீடாக இருக்கும் பட்சத்தில் உங்களுடைய சொத்து மதிப்பு மிகவும் அதிகமாக இருக்கும்.



Wednesday, 29 November 2017

6 Stock Market Investing Tips




6 Stock Market Investing Tips

1. Set Long-Term Goals

2. Understand Your Risk Tolerance

3. Control Your Emotions

4. Handle Basics First

5. Diversify Your Investments

6. Avoid Leverage

Stocks and Share Analyst


Friday, 24 November 2017

Investing in Mutual Funds

Investing in Mutual Funds 




Investing begins before buying the first mutual fund (or prior to buying the next one)

If you are just getting started investing with mutual funds, you may want to try beginning with a balanced fund.You will also want to ask questions: What is it that you would like to accomplish with your savings? Do you have specific goals, such as saving for retirement, or do you have some broadly defined goals, such as the accumulation of wealth for the general purpose of strengthening your financial security? What is your time horizon? One year? Five years? 10 years?



Thursday, 23 November 2017

லாபம் அளிக்கும் வகையில் முதலீடு செய்வது எப்படி?



லாபம் அளிக்கும் வகையில் முதலீடு செய்வது எப்படி?

திட்டங்களின் வரலாற்றைப் பாருங்கள்

திட்டங்களின் வரலாற்றைப் பாருங்கள் முதலீட்டாளர்கள் குறைந்த விலை நிகர மதிப்புடைய சொத்து மதிப்புகளால் ஈர்க்கப்படக்கூடாது. ஏனெனில் அவை மலிவானவை என்று அர்த்தமில்லை. ஒரு குறிப்பிட்ட பரஸ்பர நிதியில் முதலீடு செய்வதற்கு முன் அந்தத் திட்டத்தின் கடந்த கால வருவாய், செலவு விகிதங்கள், நிதிகளின் துறை சார்ந்த வெளிப்பாடு, நிதி மேலாளரின் கடந்த கால செயல்பாடு ஆகியவற்றை ஒப்பிடுங்கள். 

அதனுடன் அந்த நிதியின் குறுகிய கால லாபத்தைக் கவனிக்காதீர்கள். ஏனெனில் குறுகிய கால வருவாய் உங்களுக்கு ஒரு தவறான மாயப் பிம்பத்தை கொடுக்கலாம். அதிகபட்சமாக 4-5 திட்டங்களைத் தேர்ந்தெடுப்பதை வல்லுநர்கள் பரிந்துரைக்கின்றனர். 

ஏனெனில் இந்தத் திட்டங்களை மிக எளிதாகக் கண்காணிக்க முடியும். பல திட்டங்களுக்கு இடையிலான வருவாயை மிகக் குறைந்த அளவே மாறுபடுவதினால் அந்தத் திட்டங்களின், குறிப்பாகக் கடன், குறியீட்டு மற்றும் செயலற்ற நிதி ஆகியவற்றின் வருமானத்தைக் கண்டிப்பாக ஒப்பிடவும்.



முதலீடுகளைப் பரவலாக்குங்கள் முதலீடுகளைப் பரவலாக்குங்கள் முதலீடுகளைப் பரவலாக்குவது, சந்தை ஏற்ற இறக்கத்துடன் இருக்கும் பொழுது உங்களைப் பாதுகாக்க உதவும்



முதலீடுகளைப் பரவலாக்குங்கள்

முதலீடுகளைப் பரவலாக்குங்கள் முதலீடுகளைப் பரவலாக்குவது, சந்தை ஏற்ற இறக்கத்துடன் இருக்கும் பொழுது உங்களைப் பாதுகாக்க உதவும். பங்கு, கடன் மற்றும் தங்கம் போன்ற பரந்து பட்ட சொத்துக்களில் முதலீடு செய்யுங்கள். மேற்கூறியவற்றில் பரஸ்பர நிதிகள் செலவு குறைந்த முதலீட்டுத் திட்டங்களாக விளங்குகின்றது. ஒருவரின் ஆபத்து மற்றும் வயது ஆகியவற்றின் அடிப்படையில் முதலீட்டு நிதியை ஒதுக்க வேண்டும். முதலீட்டாளர்கள் தங்களுடைய நேரம் மற்றும் பணத்தை சேமிக்கும் பொருட்டு ​​முதலீடு செய்ய வேண்டும்.



லாபம் அளிக்கும் வகையில் முதலீடு செய்வது எப்படி?


லாபம் அளிக்கும் வகையில் முதலீடு செய்வது எப்படி?

உங்கள் இலக்குகளுக்கு ஏற்ப முதலீடு செய்யுங்கள்

எந்த நிதிச் சந்தையில் முதலீடு செய்யும் முன்னர், உங்களுடைய இலக்கு மற்றும் முதலீட்டுக் காலத்தை வரையறுத்துக் கொள்ளுங்கள். உங்களுடைய நோக்கம் குறுகிய கால முதலீடு எனில், கடன் சார்ந்த நிதியில் முதலீடு செய்யுங்கள். உங்களுக்கு ஒரு பெரிய தொகை தேவைப்பட்டால், குறிப்பாக ஓய்வூதியத்திற்காக அல்லது வீட்டை வாங்குவதற்கு எனில், ​​பங்கு சார்ந்த நிதிகளில் பெரிய பகுதியை முதலீடு செய்யுங்கள். அதிலும் குறிப்பாக நீண்ட காலத்திற்கு பல்வகைப்பட்ட நிதிகளில் முதலீடு செய்ய மறவாதீர்கள்.



Equity Research What to Expect?

http://mkprabhagharan.com/


We will now proceed to develop a methodology for conducting a ‘limited resource’ equity research. The reason why I call it ‘limited resource’ is because you and I as a retail investor have access to just few resources to conduct equity research. These resources are – internet, company annual report, and MS Excel. Whilst an Institution has access to human resource (analyst), access to company management, financial data base (such as Bloomberg, Reuters, Factset etc), industry reports etc. So my objective here is to demonstrate how one can understand a company and its business better with the limited resources at hand. Of course we will do this exercise keeping the end objective in perspective i.e to make a decision on whether to buy or not to buy a stock. we will structure the equity research process in 3 stages-


1. Understanding the Business
2. Application of the checklist
3. Intrinsic Value estimation (Valuation) to understand the fair price of the stock

Tuesday, 21 November 2017

Importance Of Asset Allocation in Investing - Best Share Broking Company In Tamilnadu

Importance Of Asset Allocation in Investing - Best Share Broking Company In Tamilnadu




1. What is asset allocation? 

Asset allocation is the implementation of an investment strategy that seeks to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio based on the investor’s risk taking capacity, goals and the time frame needed to reach those goals. The objective of asset allocation is to minimise volatility and maximise returns. The process involves dividing your money among asset categories that do not all respond to the same market forces in the same way at the same time. 

Asset allocation will vary from one investor to another. For example an aggressive investor can have 75% in equity mutual funds, 20% in fixed income funds and 5% in gold. 

2. How does an investor implement asset allocation ? 

Before starting to invest in financial products, ideally an investor needs to decide his asset allocation. He can do this himself or take help from a financial planner, Best Share Broking Company In Tamilnadu who can suggest an asset allocation based on his assessment of his profile. For example, an investor wants to invest Rs 10 lakhs, he cold allocate 50% to equity mutual funds, 45% to debt mutual funds and 5% to gold funds. This is supposed to be monitored on a regular basis. So after a year, if due to a rise in the stock markets, if the equity mutual fund allocation rises to 60%, it should be brought back to its original level of 50%. Similarly if additional money needs to be allocated to this portfolio, it should follow the same principle. 

This is necessary as otherwise if equities fall due to any untoward event, it could result in a higher loss to the portfolio. Wealth managers said sticking to an asset allocation plan is crucial to achieving financial goals. This approach reduces risk on the portfolio too. When equity component goes up, the investor can bring back his allocation by switching some units back to debt funds. Similarly when allocation falls due to a fall in the market, he can increase it to his original allocation by switching from debt funds to equity funds. 

3. How Does it pay to follow asset allocation? 

Financial markets are full of surprises and it is difficult for any individual to predict which asset class will go up or down. For example, equities may be up, while gold may be down and vice versa. However if you have your wealth spread across assets, you will be less hit and get the best risk adjusted returns. Financial planners believe that in the long term, 90% of the returns come from proper asset allocation. 

4. How often should one review asset allocation? 

Investors should review it atleast once a quarter. If any asset class moves up or down by more than 10% of their targeted allocation, they could look at rebalancing their portfolio.

To know more about asset allocation in Investing Contact +91 98943 33189 Mr MK Prabhagharan, Best Share Broking Company In Tamilnadu.

https://economictimes.indiatimes.com/mf/analysis/when-do-advisors-ask-their-clients-to-sell-mutual-fund-schemes/articleshow/61641817.cms

Why Should We Need Online Share Broking?

Why Should We Need Online Share Broking?




Online trading is easy and quick. You can educate yourself on your investment options, place orders to buy and sell, and possibly make (or lose) a considerable amount of money without ever speaking with a broker or leaving the comfort of your home. As with any investment strategy, there are benefits and risks involved. So, why are more people playing the market through Online Share Broking?

It eliminates the middleman

Years ago, you couldn’t make a trade without meeting or at least calling your broker. Now, it takes only a few clicks. This accessibility could certainly make online trading alluring for those who may not have had the finances or the connections to work with a full-service broker in the past. Online traders can buy and sell without ever speaking to a broker. This doesn’t mean trading is done with no broker input, as discount brokerages actually facilitate the trade when you click the mouse. However, online trading allows you to trade with virtually no direct broker communication.

It’s cheaper

Having a broker execute your trades for you costs money. And while you’ll pay for online trades, the cost won’t be as high. As more brokerages allow online access, the prices continue to drop, with many of the popular discount brokerages offering trades for under $10 each and some requiring no account minimum.

It offers greater investor control

Online traders can trade when they want. In conventional trading, an investor may have to work with a delay depending on when she is able to contact her broker and when the broker is able to place her order. Online trading allows nearly instantaneous transactions. Also, investors are able to review all of their options instead of depending on a broker to tell them the best bets for their money.

You can monitor your investments in real time

Online brokerages offer advanced interfaces and the ability for investors to see how their money is performing throughout the day. Log in through your phone or your computer and you can see any gains or losses in real time. These brokerages also offer more tools for traders of all levels, posting not only finance news but also providing analytic platforms and research reports.

We realised many online stock and share market investors and traders are looking for Online Share Broking support to help lead them through the stock or share market minefield, dodge the pitfalls and actually profit long term. That's why Mkprabhagharan has decided to team up together to provide weekly guidance, with easy to follow step-by-step investment strategies for everyone who is looking to invest in any of the stock or share markets around the world today.Our aim is to help people from all walks of life develop into the best online investor or trader that you can become and to generate the returns from your investments that you deserve."Eor more details about our services to click on this link(http://mkprabhagharan.com/).

Latest Mutual Fund Investments With Updated Advisor Tips - @ www.mkprabhagharan.com

Latest Mutual Fund Investments With Updated Advisor Tips - @ www.mkprabhagharan.com




A mutual fund is an investment management company that pools the money of investors and hires an investment advisor to invest that money in an attempt to achieve a financial objective. Mutual funds can invest in stocks, bonds, money markets, or other securities, and may be designed for current income, capital appreciation, or capital preservation from Mutual Fund Advisor. A mutual fund must make its purpose clear, and actively pursue that purpose. For instance, a large-cap mutual fund must invest 80% of its assets in large-cap stocks.

When an investor purchases or sells a mutual fund, he or she does not pay the fund's price at the time of the order. Instead, the price paid is usually calculated at the end of the trading day. To calculate its net asset value, a mutual fund will add up the value of all its assets and divide that figure by the total number of shares of the fund.

There are several items to evaluate when identifying an appropriate mutual fund. First, an investor should seek not only top performing funds, but should look for funds that fit a predetermined investment strategy. An investor looking for growth would not benefit from purchasing even the top performing capital preservation fund. Further, it wouldn't be beneficial for an investor to own three top performing international funds only to have a portfolio that isn't adequately diversified.

Once an investor identifies an appropriate type of mutual fund, long-term performance should be closely examined. Many funds have superior performance over one or three year periods. Look for funds that have superior performance over five and ten year periods. Be sure to create an "apples to apples" comparison between funds. For example, compare the performance of a small cap value fund only to that of other small cap value funds. Ideally, look for a fund in the top 25 percent of its category over a three, five, and ten year period.

When shopping for a mutual fund, an investor should also closely examine a fund's expenses. First, NEVER pay a sales charge (also called a load) to purchase a fund. Also, pay particular attention to something called the expense ratio, which is the sum of a fund's operating expenses, management fees, and hidden fees (called 12b-1 fees) as a percentage of fund assets. The average expense ratio of a US stock fund is around 1.3 percent. You should be able to identify quality funds with an expense ratio of less than 1%.

Lastly, be sure to examine the manager's tenure, which is how long he or she has had their job. You don't want a new money manager gaining experience with your money. Additionally, a new fund manager had nothing to do with the long term performance of the fund, rendering those numbers irrelevant. If possible, look for a fund manager with at least 10 years of experience.

Identifying superior mutual funds is an area where working with an independent fee only financial planner is crucial. Fee only financial advisors (ideally NAPFA members) have a fiduciary obligation to do what is best for their clients. Thus, they will focus on finding top investment options for their clients, rather than on the products that will pay the financial advisor the largest commission.

MK Prabhagharan is an investment advisor representative with Net Worth Advisory Group, a fee-only financial planning and investment advisory firm in karur, Tamilnadu. Mutual Fund Advisor has specializes in developing custom financial plans, implementing investment strategies, and providing ongoing support and service in order to help clients reach their financial goals. He can be contacted at [+91 98943 33189] or vslkarur@gmail.com. Visit the Net Worth Advisory Group website at (http://mkprabhagharan.com/).

The Best Mutual Fund Scheme - How To Choose - Get Professional Guidance from Mr MK Prabhagharan

The Best Mutual Fund Scheme - How To Choose - Get Professional Guidance from Mr MK Prabhagharan





It is the most asked question in mutual fund forum: Have I picked the right mutual fund schemes? And guess what? We mostly struggle to answer this simple query because the person often does not provide the necessary details. For example,  how do you tell whether a porfolio full of the best mid and smallcap schemes is ideal for a person without knowing his/her risk profile or investment horizon. If the person has a high risk tolerance, the portfolio would work for him. Similarly,  since he/she is investing in schemes with higher risk element, she/he should also have longer investment horizon.  Are you ready to Mutual Fund Investment, then you get professional guidance from Mr Mk Prabhagharan, Mutual Fund Advisor in Karur for best investment options.   

That is why we are attempting to put together a simple guide that would help these investors how to choose an ideal equity  mutual fund scheme. To begin with, you should identify your goals, investment horizon to achieve them and your risk profile. 

Your should go for equity schemes if you have: 

a) long-term goals 
b) investment horizon of five years or more 
c) you have high risk appetite 

Now that you are qualified to invest in equity mutual funds, you have to go a little deeper and find out exactly how much  risk can you tolerate. In other words, are you a conservative, moderate or an aggressive investor? The answer to this  question would decide what kind of equity mutual fund scheme can you choose to invest.

a) If you are a conservative investor, you should invest in only equity-oriented balanced schemes or largecap mutual fund  schemes. 

b) If you are moderate investor, you should invest only in largecap and multicap schemes, they are also called diversified equity.
  
c) If you are an aggressive investor, you can pick up midcap and smallcap schemes. You can also add sectoral scheme if you  have sound knowledge about the sectors. 

Many investors use a combination of schemes to create a mutual fund portfolio. For example, some investors make a  combination of large, mid and smallcap schemes to make a mutual fund portfolio. However, they carry out the task without  realising the composition of the portfolio should be in line with their risk profile. For example, a large exposure to a  sector scheme or a smallcap scheme would increase the risk associated with the portfolio. In short, choose schemes only if  they match your risk profile. And you should be mindful of your risk profile even while adding schemes to your portfolio.

To know more query about mutual fund investment and how to choose the mutual fund scheme visit www.mkprabhagharan.com, Mutual Fund Advisor or call us on +91 98943 33189 or email your query @ vslkarur@gmail.com

Courtesy: http://bit.ly/2A2Gygu




Monday, 20 November 2017

6 Stock Market Investing Tips

6 Stock Market Investing Tips





6 Stock Market Investing Tips

1. Set Long-Term Goals

2. Understand Your Risk Tolerance

3. Control Your Emotions

4. Handle Basics First

5. Diversify Your Investments

6. Avoid Leverage

Stocks and Share Analyst

#Best Share Broking Company In Tamilnadu
#Mutual Fund Advisor
#Low Cost Stock Broker 
#Online Share Broking 
#Financial Planner Karur





Equity Research What to expect?

Equity Research What to expect?




we will now proceed to develop a methodology for conducting a ‘limited resource’ equity research. The reason why I call it ‘limited resource’ is because you and I as a retail investor have access to just few resources to conduct equity research. These resources are – internet, company annual report, and MS Excel. Whilst an Institution has access to human resource (analyst), access to company management, financial data base (such as Bloomberg, Reuters, Factset etc), industry reports etc. So my objective here is to demonstrate how one can understand a company and its business better with the limited resources at hand. Of course we will do this exercise keeping the end objective in perspective i.e to make a decision on whether to buy or not to buy a stock.  

we will structure the equity research process in 3 stages-

1. Understanding the Business
2. Application of the checklist
3. Intrinsic Value estimation (Valuation) to understand the fair price of the stock



The Moat

The Moat




Moat (or economic moat) is a term that was popularized by Warren Buffet. The term simply refers to the company’s competitive advantage (over its competitors). A company with a strong moat,ensures the company’s long term profits are safeguarded. Of course the company should not only have a moat, but it should also be sustainable over a long period of time. A company which possesses wider moat characteristics (such as better brand name, pricing power, and better market share) would be more sustainable, and it would be difficult for the company’s rivals to eat away its market share.

To understand moats, think of “Eicher Motors Limited”. Eicher Motors is a major Indian automobile manufacturer. It manufactures commercial vehicles along with the iconic Royal Enfield bikes.The Royal Enfield bikes enjoy a huge fan following both in India and outside India. It has a massive brand recall. Royal Enfield caters to a niche segment which is growing fast. Their bikes are not as expensive as the Harley Davidson nor are they as inexpensive as probably the TVS bikes. It would be very hard for any company to enter this space and shake up or rattle the brand loyalty that Royal Enfield enjoys. In other words, displacing Eicher Motors from this sweet spot will require massive efforts from its competitors. This is one of Eicher Motors’ moat.

There are many companies that exhibit such interesting moats. In fact true wealth creating companies have a sustainable moat as an underlying factor. Think about Infosys – the moat was labor arbitrage between US and India, Page Industries – the moat was manufacturing and distribution license of Jockey innerwear, Prestige Industries – the moat was manufacturing and selling pressure cookers, Gruh Finance Limited – the moat was small ticket size credits disbursed to a certain market segment…so on an so forth. Hence always invest in companies which have wider economic moats.

Mutual Fund Advisor


Circle of Competence

Circle of Competence 




This is where you leverage your professional skills to identify stock ideas. This is a highly recommended technique for a newbie investor. This method requires you to identify stocks within your professional domain. For example, if you are a medical professional your circle of competence would be the healthcare industry. You will probably be a better person to understand that industry than a stock broker or an equity research analyst. All you need to do is identify which are the listed companies in this space and pick the best based on your assessment. Likewise if you are banker, you will probably know more about banks than the others do. So, leverage your circle of competence to pick your investments.

The point is that the trigger for investigating stocks may come from any source. In fact, as and when you feel a particular stock looks interesting, just add it to your list. This list over time will be your ‘watch list’. A very important thing to note here is that a stock may not satisfy the checklist items at a particular time, however as the time progresses, as business dynamics change at some point it may match up to the checklist. Hence, it is important to evaluate the stocks in your watch list from time to time.

-zerodha


HDFC Standard Life Insurance Co Ltd

HDFC Standard Life Insurance Co Ltd





HDFC Standard Life Insurance IPO to open Nov 7: Here are 10 things to know

HDFC and Standard Life Mauritius are two promoters of the company, which respectively hold 61.21 percent and 34.75 percent of equity shares as of October 25, 2017.

HDFC Standard Life Insurance Company, the part of housing finance major HDFC, will open its Rs 8,695-crore initial public offering for subscription on November 7, with a price band of Rs 275-290 per share.

It would be the third life insurance company getting listed on bourses; and is the first initial public offering by a company promoted by HDFC, since the initial public offering of HDFC Bank in 1995.
The global co-ordinators and book running lead managers are Morgan Stanley India Company, HDFC Bank, Credit Suisse Securities (India), CLSA India and Nomura Financial Advisory and Securities (India). The book running lead managers are Edelweiss Financial Services, Haitong Securities India, IDFC Bank, IIFL Holdings and UBS Securities India.

Here are 10 things one should know before investing in IPO:-

Company Profile

HDFC Standard Life Insurance Company was established in 2000 as a joint venture between HDFC and Standard Life Aberdeen plc, initially through its wholly owned subsidiary The Standard Life Assurance Company and now through its wholly owned subsidiary, Standard Life Mauritius.
It is one of the most profitable life insurers, based on value of new business (VNB) margin, among the top five private life insurers in India (measured on total new business premium) in FY16 and FY17, according to CRISIL.

It has also consistently been among the top three private life insurers in terms of market share based on total new business premium between FY15 and FY17, according to CRISIL.
The company’s bancassurance partners include banks, non-banking financial companies, micro-finance institutions and small finance banks in India. The number of major bancassurance partners grew from 31 as of March 2015 to 125 as of September 2017.

Bancassurance remained its most significant distribution channel, generating 54.1 percent of total new business premiums for six months ended September 2017.The company has a broad, diversified product portfolio covering five principal segments across the individual and group categories, namely participating, non-participating protection term, non-participating protection health, other non-participating and unit-linked insurance products.



In FY12, it established a wholly-owned subsidiary, HDFC Pension, to operate its pension fund business under the National Pension System (NPS). And in FY16, the company established its first international wholly-owned subsidiary in the UAE, HDFC International, to operate its reinsurance business.


Courtesy see more @ http://bit.ly/2iAmMhi




Generating a Stock Idea - Special Situation

Generating a Stock Idea - Special Situation



This is a slightly complicated way of generating a stock idea. One has to follow companies, company related news, company events etc to generate an idea based on special situation. One example that I distinctly remember was that of Cox & Kings. You may know that Cox & Kings is one of the largest and the oldest tour operator in India. In late 2013, the company announced inclusion of Mr.Keki Mistry (from HDFC Bank) to its advisory board. Corporate India has an immense respect for him as he is known to be a very transparent and efficient business professional. A colleague of mine was convinced that Cox & Kings would benefit significantly with Mr. Keki Mistry on its board. This alone acted as a primary trigger for my colleague to investigate the stock further. Upon further research my colleague happily invested in Cox & Kings Limited. Good for my him, as I write this today I know he is sitting on a 200% gain.




Generating a Stock Idea - Sectoral Trends

Generating a Stock Idea - Sectoral Trends





This is sector specific. One needs to track sectors to identify emerging trends and companies within the sector that can benefit from it. For example the non alcoholic beverages market is a very traditional sector. Mainly, three kinds of products are sold and they are coffee, tea, and packaged water. Hence, most of the companies manufacture and sell just these three products. However there is a slight shif in the consumer taste these days the market for energy drink is opening up and it seems to be promising. Hence the investor may want to check for companies within the sector that is best positioned to lever age this change and adapt to it.



Romance with FD but Marry *SIP*

Romance with FD but Marry *SIP* 





Imagine you are moving at 10 km per hour and your friend is moving at 11 km per hour.

After 6 minutes they are only 100 m (1/10th of 1km) apart which is not very significant. You can literally see each other.

After an hour you are 1 km apart. You can no longer see each other but still you aren’t all that far from each other. If you wish you can meet each other easily.

But after 10 hours you are 10 km apart and after 100 hours you are 100 km apart.

Now you are in two different cities. It’s too far to meet each other. Perhaps you have to speak over phone.

Likewise investing in a fixed deposit of 6% per annum or investing in a mutual fund of 10-15% per annum does not make a huge difference when invested for a period of 1 year or even for that matter for a period of 2 years.

However, if you were to invest for a period of 10 years to 15 years, the 4-9% difference but nearly 100-200%.

Hope this explains why even a 4-9% difference in returns cannot be ignored in the long term and moreover why *Equity Mutual Fund SIP* is a more appropriate asset to invest in rather than a Fixed Deposit. 



Generating a stock idea

Generating a stock idea




Macro Trends – Keeping a general tab on the macroeconomic trend is a great way of identifying good stocks. Here is an illustration of the same – As of today there is a great push for infrastructure projects in India. An obvious beneficiary of this push would be the cement companies operating in India. Hence, I would look through all the cement companies and apply the checklist to identify which amongst all the cement companies are well positioned to leverage this macro trend.