Being a Stock Investor sounds cool and fashionable for beginners. A typical beginner stock investor is in early 20's fresh out of college. Disposable income is high and on top of it, there is a strong urge to multiply the money. Greed is the biggest PULL factor towards stock market. I discussed greed and fear in detail in my post, Successful Investors - 5 Hidden Secrets to Make Money. In my opinion, Out of 100 so called investors, 80 are Stock Traders and only 20 are Stock Investor in the true sense. The objective of a stock trader is short term investment, book profit, and exit. I am not ... Read More
Lower Interest Rate Cycle – Are You Ready for these 5 Changes
Lower Interest Rate is an alien concept for India. Typically, India as a country is "high interest rate" country. The reason being we are Savers rather Spenders. Because of this reason, we expect "high" interest rate on Savings and willing to pay "higher" interest rate on Loans. As i shared in my previous posts, the saving rate in India is one of the highest in the world i.e. 30%. In my post, Small Savings Schemes i explained how a cut in interest rates will help consumption cycle. Basically, the objective is to reduce savings and increase spending. The interest rate in growth-oriented ... Read More
7th Pay Commission and Its Impact on Property Market
Recently the Govt of India approved the implementation of 7th Pay Commission. It is one of the major development for Indian Economy. I received calls/emails for my opinion on the impact of 7th Pay Commission on the property market. I thought of sharing my views through the blog :). If we go by the market reaction then definitely the impact on real estate sector will be positive. The reason being, all the real estate stocks rallied :). The builders are quite optimistic and they are anticipating improvement in the property market. The media is gung-ho about the implementation of 7th Pay ... Read More
Commercial Property Investment – Pros and Cons
Commercial Property Investment is always a mystery for a common investor. There is a general perception that Commercial Property Investment is meant only for a business class or big investors. Though it is not true always. I keep receiving queries on Commercial Property Investment from the common investors. One of the most common queries is whether to go for Commercial Property or Residential for investment purpose. Trust me in 99% cases, the buyer decides in favor of a residential property. I will share the reasons later in the post. For comparison, you may go through my post, Commercial ... Read More
Gold Investment – 10 Reasons Why Gold Prices Double in 2 Years
Gold Investment is not so common in India. Now you must be wondering we Indians hoard so much gold then why i am saying so. That is correct that we buy too much gold but not as a Gold investment. Mostly it is jewellery or gold coins at occasions like Akshaya Tritiya or Dhanteras. According to World Gold Council, Indians have approx 20,000 tonne of Gold. Another 557 tonne is held by the RBI. As per my understanding, out of 20k tonne, the only fraction of it would have been bought for an investment purpose i.e. Gold Investment. Purpose of Gold Purchase There can be two types of Gold Purchase ... Read More
Brexit – How It Will Impact Your Personal Finance In Long Term
Brexit is a once in a lifetime event. I read this quote in one of the leading newspaper of UK. It may sound frivolous but has a deeper meaning. I was following this historical event of Brexit from the beginning. My key source of information was international newspapers and blogs. There was not much coverage in Indian Media on Brexit except "There will not be any impact". We are too occupied to cover the sensational news. Only Masala news can increase the readership or TRP. Coverage of Intellectual topics like Brexit takes a back seat. I was quite shocked to read/watch the post-Brexit coverage ... Read More
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