Equity Investments are subject to market risk. You must have read this disclaimer thousand times cautioning investors about Equity Investments. We can handle RISK but when we anticipate DANGER, it is better to QUIT. Today was very beautiful day till 1 PM, but suddenly markets crashed by 300 Points. The CRASH came immediately after European Markets opened for trading. It was swift and sudden. The index/Nifty has broken its crucial support level of 7750. It was quite SHOCKING and ABNORMAL behavior from Market. Few days back, i cautioned my readers about the imminent threat but was praying that ... Read More
Are You Ready For Prepayment Penalty?
There is famous saying that "Life comes FULL Circle" which is true for Prepayment Penalty on Home Loan. In 2011, prepayment penalty was first abolished by HFC's like HDFC Ltd, LICHFL, etc. followed by banks in 2012. Now same HFC's are demanding reintroduction of prepayment penalty. The background of this move in 2011 was differential interest rates charged to Existing Home Loan customers. Rather than fixing the core issue of equal interest rates for existing and new customer, NHB and RBI took an alternative route to abolishing prepayment penalty on floating interest home loans. In short, ... Read More
Harsh Reality of Negative Mutual Fund Returns
Negative Mutual Fund Returns is today's harsh reality. In past, i always cautioned my readers that it's a myth that Mutual Fund Returns cannot be negative. A market meltdown does not spare even the best managed mutual funds. I was quite disheartened to see some of the best names delivering negative returns on a y-o-y basis. The three months and six months Mutual Fund Returns are negative for almost all the mutual fund schemes. When i wrote a post, Why you should not invest in SIP? i received some sharp reactions in my mailbox. Mutual Funds are projected as safest bet to invest in equity market ... Read More
How to deduct TDS through Home Loan?
One of the most common problems faced by a buyer is How to deduct TDS through Home Loan?. To deduct and deposit a TDS is the sole responsibility of a buyer. Sometimes a bank or HFC help the buyer and many a times they refuse. Currently, there is no standard process on how to deduct TDS through Home Loan. I come across unique and strange cases in this regard. Most of the times banks or HFC avoid hassle to deduct the TDS and put the entire onus on a buyer. The banks take advantage of a buyer if he or she is not aware of the rules and regulations in this regard. Therefore, it is critical for a ... Read More
5 Tips to Save Time from Daily Routine
One of most common complaints these days is that "i don't have a time". This post is my contribution on how to save time from your daily routine. To save time is an art not everyone can master the same. Time is Money, and Everyone has 24 hours during the day. To save time means better productivity. It depends on individual to individual how they utilize 24 hours. The world's richest person also has 24 hours so as the poor person in the world. If we adjust sleeping time and other daily routines, then we are left with approx 14 hours during the day. In last few years, i could not find someone ... Read More
5 Tips for Intraday Trading
Intraday Trading is totally different from long-term equity investment. Till now, i discussed only long term investment through my blog. Intraday Trading is riskier compared to stock investment. Off late, the stock market is highly volatile. If you have to make your living from the stock market, then Intraday Trading is the only solution. There is a famous saying that "Either change yourself or Change will change you". I decided to change myself and jumped to Intraday Trading. The most critical point is to keep long-term equity investment separate from Intraday Trading. As i mentioned in my ... Read More
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