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
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
Stock Market Crash – The Pain is NOT YET OVER
Yesterday's stock market crash is the beginning of series of crashes as we observed in 2008. Once the FEAR grips the market then Stock Market Crash is inevitable. There is 360-degree selling. The market has convincingly broken the psychological level of 7000. There was simply NO attempt of recovery. From quite long, i am cautioning readers of this blog to EXIT the Market. Some brave hearts are still hopeful. Current P/E levels are 18.75 and it is still expensive considering the poor corporate results. The FII's are emptying their bucket and they are in a quite hurry to do so. The inflows to ... Read More
Equity Exposure – Beware of 5 illogical Reasons to Invest
Are you taking Equity Exposure just for the sake of it? It's like eating food when you are not hungry. It will be right to say eating stale food (Bear Phase) instead of healthy food (Bull Phase). You may find expert suggestions to exit other asset classes but will never find a call to reduce Equity Exposure to NIL. As a retail investor, i took a call to quit Equity Investments. The key reason is that even if all the investors EXIT Gold, the gold prices will not be impacted much or collapse below the floor price. According to experts, the gold prices will not fall below the cost of production ... Read More
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