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Posted by VRIDHI on 24/06/2014

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Posted by VRIDHI on 18/06/2014

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Posted by VRIDHI on 05/06/2014

Small Investor? Don’t Worry!

 

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Few Words on Market…

Posted by VRIDHI on 22/11/2014

by Vivek Karwa, CPFA., CFPCM

141121 – In the previous article we were waiting for the state election results of Maharashtra and Haryana as they were seen as referendum on the present govt. The Prime Minister has only got stronger with the results and we as a country do need decisive leadership to take on to the world at this juncture.

The Prime Minister after assuming office had asked every minister to prepare a power point presentation on what they would do in the next six months. The ministers were evaluated during the cabinet expansion recently and those who fell short in performance, were replaced with other people. This is a typical corporate style evaluation, where the CEO just terminates the underperformers! If this method is benefiting the country then let the same continue.

A leader’s job is to lead and show the way, the present government is coming up with various innovative ideas which have started making people think! The market is taking all these very positively and all the investors are just hoping that the momentum of the same continues. The Make In India campaign will surely encourage many to start manufacturing in the country and the government soon may ease the policies so that this campaign becomes a reality.

There are many more such programs which have already been announced by the government which over the period of time will surely benefit the country. It should be every Indians dream that we see a strong Bharat, a Bharat which can show the way to the world, how long should we continue to be slaves?

Even in stock market we are still slaves! More than majority shareholding in both Sensex and Nifty are held by foreign funds! We use their products day in and day out and think we are buying products of Hindustani company! Just because a company has Hindustan as a name doesn’t mean they are Hindustani..!

The government and SEBI should come out with ideas which can lead to real financial inclusion! With just four odd percent of population investing in equities and rest all investing in depreciating assets (depreciating net off inflation) will never make our population rich. Whenever the market goes up we see retail investors going out and the foreign investors buying our businesses! This has to change and this cannot happen without the government and the regulators taking up the matter serious.

With inflation, crude and most likely the interest rates coming down soon, we may see markets continue doing well. The earnings expectations have started rising and every fund manager of foreign research houses and brokerages are bullish on India with the present government moving slow but steadily on the right track.

Even at this point of time one should avoid buying debt ridden companies and the real estate companies, though they benefit when the interest rates start coming down. Even the gold financing companies should be avoided. One would most probably make real positive returns if they are betting on the market with a three to five year investment horizon.

This Article will be Printed in the Investors Digest Magazine of TamilNadu Investors Association (SEBI Recognized)

Disclosure:- It is safe to assume that the author may have interest in the sectors recommended in this news letter. Seeking personal advice from your Financial Advisor is recommended before acting on any of the substance given herein. The numbers, figures, etc., presented may have been taken from various sources.

***

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Three levels of trust when choosing an adviser

Posted by VRIDHI on 07/11/2014

In Would you pay for financial advice? I had mentioned how two specific surveys reveal that investors are not averse to paying for advice, but lay tremendous importance on trust.

Larissa Fernand, 5/11/2014

source: http://morningstar.in/posts/28653/three-levels-of-trust-when-choosing-an-adviser.aspx

Last year, the CFA Institute & Edelman Investor Trust Study polled investors 1,604 retail and 500 institutional investors across the U.S., U.K., Hong Kong, Canada and Australia. When asked what was most important when making a decision to hire an investment manager, 52% cited either “trusted to act in my best interest” or “commitment to ethical conduct” as the most vital parameters.

The ability to achieve high returns was most important to just 17%, while the least rated was the amount/structure of fees (7%).

This year, Morningstar U.K. conducted a similar survey. More than half the respondents cited “trust” as the primary factor when choosing an adviser. Cost came third on the list followed by past investment returns.

These surveys throw some important light on the investor-adviser relationship. While all along many have been of the opinion that investors are reluctant to pay for advice, the truth is that the bulk of investors are not averse to it. They are actually open to paying for advice, if they can trust the person who is responsible for that advice. After all, it is daunting to trust your money and financial future with a stranger.

According to Margaret Franklin, a CFA based in Toronto and vice-chair of the CFA Institute board of governors, trust is an indispensable quality in anyone we depend on to help us conduct the most important parts of our lives. She expressed her views on Morningstar Canada’s website, an excerpt of which is reproduced below.

There are no two ways about it: the degree to which you can trust an adviser will make or break the relationship. All successful relationships between an adviser and an investor will feature three levels of trust.

First, consider the adviser’s competence. You should obviously look for an adviser who is experienced and knowledgeable and who can help you make difficult financial decisions. But how can you separate the wheat from the chaff? First, it is important to ensure alignment between the education and credentials of your adviser, and your goals and preferences. You want to ensure commitment and competence in the areas of investing that are important to you.

A second level of trust is related to the adviser’s ethical conduct and reputation. Some clients may look favourably on advisers who are associated with well-known companies, whether local, regional or national. Others will look for strong connections to the community, whether through a shared social, religious or educational background. Most commonly, clients will ask friends and associates for referrals.

A third level is the empathy and maturity shown by the adviser. Sometimes called "relationship competence," this is a critical part of the relationship. It is founded on the trust that you can share personal information with your adviser and have confidence that he or she will handle the information appropriately. It helps to share a set of values and compatible personal styles.

We are not undermining the other factors, such as the asset-allocation strategy and selection of investments, and how these will help achieve their investment objectives. But the latter fall into place only if the relationship between the investor and the adviser is built on a solid foundation of trust.

***

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MFF – 141022

Posted by VRIDHI on 22/10/2014

Deepawali – Samavat 2071

India’s one of the most widely celebrated festival is Diwali and it generally comes in Oct-Nov of every year. We this time thought it might be appreciated by the investors if we post Deepawali special views on the world of investments. Hence today’s article! If you like the idea and have some comments you can post them at end of the article. Only when you post your views we get a chance to improve!

Almost a year back in our MFF Article dated 2/11/2013 we had given three pretty safe picks which investors like you can buy. The article can be read on this link:

http://vridhi.co.in/2013/11/02/mff-131102-0002-hrs/

All the three stocks were recommended for MT to LT and one of them was n particular mentioned to be bought for a bigger target.

The third stock was Apollo Hospitals @ 893, it went to hit a high of 1200+ and is currently trading at 1065.

The second stock was Castrol India @ 309, hit a high of around 440 and is currently at 417.

The stock recommended for bigger target was BEML @ 187, hit a high of around 850, and is still trading around 655/-

If you listened to us and have bought them, you can continue holding them for some more time. Since, in one of the articles, we had mentioned that we will stop tracking them for general readers. The mention took place here just for record sake.

We believe we are in the beginning of one of a major bull run. You may be wondering #Sensex has moved from 18000 levels to 27000 levels in last one year and #Nifty too has seen a similar movement. People are thinking market has already seen a major bull run and these VRIDHI guys are saying we are in beginning of a bull run!

Yes, we repeat we are most probably in the beginning of a major bull run. Last one year’s run was just the valuation correction which the markets saw. The sentiment was so spoilt past five years that, investors had started looking at equity word as a derogatory word!

We finally seem to be coming out of the mess. The all new government elected around 150 days back seem to have started functioning. The economy was in the ICU and needed treatment badly. The doctors available then were just incapable of handling this patient called #IndianEconomy.

The doctors have changed and the team is being led by a more assertive doctor. The expectations were running high! People thought the patient can be made to Run within the first 100 days, of this new team of doctors starting to treat. It was just not possible. A patient takes few months at least, first to come to the normal ward from the ICU and may take a year or two to start walking and running.

Enough of calling Indian Economy a patient! The signs of our country reviving are already seen. The government of India has finally realized only development can take our country forward. If we don’t develop, we may invite many crisis. Given the wide diversity of our country, literally in every sense, be it population, weather, vegetation, seasons, etc,. If planned well our country can lead the world.

Though we all tend to be apolitical, we all still are inclined towards a political view. Our view at VRIDHI is that we should support anyone who can take our country forward genuinely. After all, our job at VRIDHI is to make money for the clients on their investments and we will support anyone who can create a favorable macro picture.

The preliminary signals from the government has not only created a positive investment climate within Bharat but has also sent a message to the world investors that we are serious on reforms. Hopefully we continue seeing this, and if we see the right moves in future, markets will witness huge flow of money. Any direction towards a policy paralysis will entirely derail the economy and the markets also.

Hence INVEST! You can Make Money only if you decide to take Action to Invest! We at VRIDHI will help you in the process. We have been addressing many companies, investors and will continue to do so. Contact us anytime.

As a gesture we have decided Not to Charge any fee, for our advice on #MutualFund investing till 31/March/2015. Hence if you require any assistance in choosing the right fund for you and the way to go about call or mail us. You surely are on a wrong path if you decide to choose investing yourself just by looking at the stars the fund has received!

So what should happen till next Diwali? We would refrain from giving any numbers on the index as of now. We will, like every year be holding a program, Sensex-2015 in Dec’2015 wherein the future expectations would be revealed by prominent speakers. Whatever the index does, there are companies which can be invested in. One such company is:

Balmer Lawrie Ltd. CMP is 579/- again for a MT to LT bet. One may review the stock when it hits 750/- You can get in touch with our office in case of any clarifications and as said earlier advice on MF would be at no charge for next few months only.

We at VRIDHI wish you a very profitable new year ahead.

Best Wishes

VIVEK KARWA

Certified Financial Planner and Wealth Creator

Email: vk@vridhi.co.in

Contact Details: http://vridhi.co.in/contact-us/

***

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Posted in A. MarketFastFood (MFF) | 1 Comment »

Happy Diwali

Posted by VRIDHI on 21/10/2014

8_Sept_01g

Do watch Mr.Vivek Karwa in Special Diwali Show on Sun News channel at 9.30am on 22/10/2014

Posted in Others | 1 Comment »

Few Words on Market…

Posted by VRIDHI on 20/10/2014

by Vivek Karwa, CPFA., CFPCM

141016 – Fifth month is running since the new government had taken over the reins at New Delhi. The expectations are running high. The government seems to be moving in the right direction, considering its early days in the office. People of the country watch for the intentions of the government first, then comes the expectations of on ground performance.

The initial months have been spent well on connecting with people. Communication was something which was lacking earlier and now through various programs the spirits among the people seem to be rising. Even as I write this, the most needed labour reforms are being launched by the government, and the best part of the event has been that the required number of related forms, are being reduced from 16 to 1. Businesses want just this, easy laws will help all.

If the government is serious about its Make In India campaign then the ground realities need to be changed. Everyone understands that these are not things which can be done overnight and hence market will wait for may be few more months. The fact that files are being cleared at faster rate is welcome move towards the need. Some green organizations have raised concerned, but let’s be real on one thing, development cannot take place otherwise. We can be prudent at max.

The exit polls of Maharashtra and Haryana election can be considered as the referendum on people’s view on the present govt. If the results come as per the exit polls the central government will only become stronger and hence would be taken very positively by the market. Many started expecting the government to deliver in first 100 days itself. It was like expecting a baby in 3 months instead of normal 9 months! Reality has finally set in.

Indian market’s had run too fast too soon and off late we are seeing the volatility for good. The Mid caps and the Small cap stocks have corrected recently. This is supposed to be very good for the long term health of the market. A large part of the volatility is coming from the American and the European markets. The growth there seem to be still in slow pace. China also is slowing down.

In all these mess our country is benefiting the most, if not yet benefitted will benefit for sure in future. Crude oil for instance has come down to $80 per barrel in case of WTI and the Brent is trading around $83. All these prices were firmly trading just few months back. The crude oil has fallen more than 20 dollars since the union budget in July’14.

Crude alone will act as major economic booster for us. A dollar fall in crude oil saves the government Rs.6000 Crs in oil bill payment. Twenty dollars is like Rs.1.2 L Crs savings! If crude remains even for 6 months in this region we will have great positive impact on our fiscal deficit. The Finance Minister may really be able to achieve the set target in the budget.

Hence global volatility will be negative for our markets in short term and will be super positive in the long term. Hence we have to and we must invest. We believe that Indian markets should deliver the highest post inflation returns among all asset classes. Be choosy since the future will be of stock pickers market.

Disclosure:- It is safe to assume that the author may have interest in the sectors recommended in this news letter. Seeking personal advice from your Financial Advisor is recommended before acting on any of the substance given herein. The numbers, figures, etc., presented may have been taken from various sources.

***

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