Confused About Which Fund To Invest In? mutual Funds Just Got Easy

Confused About Which Fund To Invest In? Mutual Funds Just Got Easy

All mutual fund schemes within a fund house will need to be appropriately distinct from each other in terms of strategy, asset allocation, etc.

There are two basic ways to earn money — by working and by making your assets work for you. The latter is an idea that each one of us thinks about once we start earning  — choosing the right investment strategy assumes paramount importance. As is has been rightly said by Ben Graham, noted American investor & ‘the father of value investing’, "The individual investor should act consistently as an investor and not as a speculator."

In India, the influx of the domestic investors' money in equity markets (mutual funds) has been increasing significantly over the past few years.The Mutual Fund Advisor is place a big role for this equity investment success.

For those still in woods, a mutual fund is a professionally managed investment scheme run by an asset management company that accumulates people’s money and invest them in stocks, bonds and other securities.

You can start investing in mutual funds from as little as Rs. 500. Should you need help finding the right fund, a simple Google search for a good largecap equity funds would throw up numerous possibilities.

But unfortunately, for many first-time investors, having to choose from the plethora of equity funds, all claiming to outperform the index and the benchmark, is like finding a needle out from what seems like a haystack of schemes available and registered with the Securities & Exchange Board of India (SEBI). To simplify this, SEBI on October 6th, 2017, released new guidelines on categorizing mutual funds, asking funds to classify their schemes under five clearly defined categories.

These categories are classified as Equity Schemes, Debt Schemes, Hybrid Schemes, Solution Oriented Schemes and Other Schemes. Fund houses will be allowed to have one scheme in each category, except for Index funds/ETFs tracking indices, fund of funds and thematic schemes investing in different sectors.

Additionally, all mutual fund schemes within a fund house will need to be appropriately distinct from each other in terms of strategy, asset allocation, etc. If a fund house currently has more than one fund in the same category, they will necessarily need to be merged into one. As of now, fund houses will have to analyze each of their existing schemes, obtain approvals from their trustees and submit their proposed course of action (whether a scheme will be merged, wound up or its fundamental attributes will be changed) to the regulator within the next two months. After SEBI issues its observations on the fund house's proposals, the necessary changes will have to be carried out within three months.

This move by SEBI is clearly in favour of investors — by standardizing mutual fund categories, new fund offerings are likely to come down, which will clear the clutter and make it easier for investors to compare & identify the right financial instrument to invest in. Comparing funds of a particular category will now be easier, given that there could be similar kind of portfolio with more or less the same holdings but with different allocation. Also, merging of the funds will lead to a reduction in expense ratios which is in turn is beneficial for investors.

This move will also test the fund managers stock picking skills since the basket of funds to choose from is now common. For example, a fund manager of a “large cap fund” could have an allocation in the midcap stocks in order to generate alpha returns. Though this could yield higher returns, it is also important to note that it increases the risk of the fund, thereby increasing the risk for the investor who may not have the appetite for midcap exposure. Although at an overall level, the equity allocation for an investor does not change, what used to change was the sub-allocation towards mid-cap and small cap in his portfolio via various funds held by him. Thanks to the new circular, the fund manager is now restricted in terms of the exposure he can have in each of the categories, thereby bringing the risk down.

This is indeed great move benefitting investors. Fund houses offered numerous schemes under the same category and made it really confusing for the investors to select from a list of multiple large cap, multi-cap or midcap funds from the same fund house. For a fund manager, this move could limit their freedom by forcing them to exit quality stocks and abide by the norms on market capital holdings. But overall, the new classification is considered a step in the right direction as it will bring clarity, uniformity among mutual funds and make the life of the Indian investor simpler.

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Investing In Valuable Intangibles

Investing In Valuable Intangibles

Keep Updating your Personal Finance Basics-It's an investment that will deliver bountiful returns.This aspect of personal Finance is Often neglected.Yet it is a Crucial Foundation that determines whather your complete Financial Planning Exercise Will Be Successful or not.Updating Personal finanace basics does not necessarily mean that oyu rush around finding out about the latest Mutual Fund Offerings,the upcoming IPOs and lucrative debt products.It's more about understanding the theories or funds behind personal finance,What are the latest insights on Successful Planning,how to gauge the amount of investment you require,how to determine the right Combination of debt and equity that you must hold at a Particular Point of time,ect.Choosing the right prouducts Will follow as a matter of fact.All this can be assimilated from books or the internet,or watching simple but informative business television channels.In the words of the Wise and enduring 21st Century grandma,"never think twice before Spending on Fruits and books".

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Mutual Fund Ratings At Your Service

Mutual Fund Ratings At Your Service

Most of us find it quite simple to understand what is meant by rating a fixed income product such as a fixed deposit or a bond.Perhaps that is because we perceive these as comparatively static in nature and therefore, some ranking can be applied to them.However,there are a number of websites and rating agencies that offer rankings on mutual funds.The Mutual Fund Advisor ranking methodologies developed by these agencies are usally based on global best practives and have gained acceptance among investors and the mutual fund companies themselves over the years.In general, the criteria for rating include the performance of the fund,in terms of the risk adjusted returns that it delivers.It also captures other features that impact future performance such as industry concentration,company concentration,liquidity,etc.Naturally,the type of mutual fund that you decide to invest in chould depend on your requirements but refering to rating helps you to choose between seemingly similar schems.So don't let therating guide your choice;they are only there to  reaffirm or  support it.

SIP And The Savings Habit

There's an old saying,"Earning money is easy; Saving it is What makes the difference between financial success and failure." Systematic Investment Plans from mutual funds and the advantsge of systematic investment to give investors an excellent investment option.On theone hand,they offer you a diversified portifolio which is structured,monitored and revised from time to time by a team of experts.At the same time,you effortlessly benefit by developing a savings habit by comfortably putting aside some amount of money every month.Last butnot the least,SIPseliminate the hassle of timing the markets and perform better than one time investments under most market conditions.Make the most of these.

If you looking for the best Mutual Fund Advisor,Our KKP Capital MK Prabhagaran is the successful Guider in mutual fund investments and online share trading.For more details to click on their website===>www.mkprabhagharan.com.

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Why you should advance in multiple funds to mitigate portfolio risk

Why you should advance in multiple funds to mitigate portfolio risk

Having funds of altered bazaar capitalisations and advance styles would accommodate able about-face beyond assets, sectors and stocks.

If you are advance in alternate funds you ability be faced with the bind of how abounding schemes you should alluringly advance in? While there ability not be a abracadabra bulk for schemes one should advance in, a lot of banking planners and investment admiral would acquaint you to accept a adapted portfolio and not to apply your bets on a alone scheme. Advance in one arrangement can be accident prone.

“Many investors, abnormally those new to Mutual funds, tend to advance their absolute surplus in just one alternate armamentarium scheme. This concentrates their investment accident with just one armamentarium administration team. Moreover, advance in a alone armamentarium ability not accomplish optimal allotment as funds that bear outstanding allotment in the continued appellation may bear lower or abrogating allotment in the abbreviate term, and carnality versa,” said Manish Kothari – Head of Alternate Funds, Paisabazaar.com.

Ajit Narasimhan, Category Head – Savings & Investments, BankBazaar.com aswell said that advance in alone one arrangement will access acknowledgment risk. To mitigate this, it's best to alter beyond 3-4 schemes. It's agnate to the approach of ambiguity one's acknowledgment beyond multiple investments. “Having funds of altered bazaar capitalisations and advance styles would accommodate able about-face beyond assets, sectors and stocks,” he said.

Diversification basically agency advance in a array of balance so that a abortion in a aegis or an bread-and-butter slump affecting one of them will not be damaging to your portfolio. In simple terms, it basically agency to advance your portfolio in altered types of stocks, bonds, assets, etc. While professionals acquisition it simple to alter their funds beyond asset classes, an alone broker generally finds it difficult to accept asset classes themselves. Hence, it is bigger to put the money into a alternate armamentarium area the armamentarium administrator handles their astriction for a baby fee.

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Abhinav Angirish, Managing Director, Abchlor Investment Advisor said that while alternate funds are a abundant apparatus for diversification, abounding investors anticipate that already they put their money into a alternate armamentarium their plan is over, but for a actuality this is not the case, their plan just starts as even in alternate funds acceptable about-face is required. For example: You may advance in 4 altered alternate funds, but it does no acceptable if they all accept agnate holdings, that is a portfolio which is awful activated with anniversary other. In this case, you are not in fact diversifying because if something affects the balance in one fund, it will aswell affect the added fund. In this case, you will be captivation the aforementioned bulk of accident which a alone armamentarium would accept to your portfolio, which in able about-face can be reduced.

“If you wish to absolutely alter your portfolio, again you charge to advance in alternate funds that are not activated to anniversary added in performance. You can do this by because which asset backing your accepted armamentarium has and based on that try to advance your money so that no asset with agnate appearance are again in your next fund,” he added.

You should consistently bethink that the about-face appear any investment should be done in absolutely the way it demands in a said accurate situation. Accomplishing too abundant of about-face will aswell not serve any abundant purpose because the stocks present in different-different schemes will be added or beneath similar. However, the achievement of schemes varies as it depends on the alarm taken by corresponding armamentarium managers captivation their accurate schemes.

Hence, it is appropriate to yield adviser’s advice afore demography any footfall of accomplishing investments in alternate funds.If you looking for the best mutual fund guider,The KKP Capital MK Prabhagaran is the best Mutual Fund Advisor in Tamil Nadu.For contact to visit his website ===>www.mkprabhagharan.com

Keeping track - Online Trading - Online Stock Broking & Share Trading ...

Keeping track - Online Trading - Online Stock Broking & Share Trading ...

Filling up an application form and writing out a cheque is not the end of the story. It is equally important to keep an eye on how your investments are performing. While having a qualified and professional advisor helps both in terms of making the right decision as well as measuring performance, it makes sense to know how to do yourself with a little help from these sources of Online Share Broking in investment.

Fact sheets and Newsletters: 

MFs publish monthly fact sheets and quarterly newsletters that contain portfolio information, a report from the fund manager and performance statistics on the schemes managed by it.

Websites: 

MF websites provide performance statistics, daily NAVs, fund fact sheets, quarterly newsletters and press clippings etc. Besides, the Association of Mutual funds in India, AMFI, website, contains daily and historical NAVs, and another scheme.

Newspapers: 

Newspapers have pages reporting the net asset values and the sales and redemption prices of MF schemes besides other analysis and reports.

Remember, it is very important for you to be well informed. To achieve this, you need to spend a little time to understand and analyze the information to enhance the chances of success. Even if you spend one percent of the time that you spend on earning money, will be a good beginning. Above all, take help of a professional advisor to select the right fund as well as the right mix of one-time investment, SIP, and the STP.

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Profit booking, crude spike pulls down Sensex over 200 pts; Nifty below 10,250

Profit booking, crude spike pulls down Sensex over 200 pts; Nifty below 10,250

The Sensex closed down 227.80 points or 0.68% at 33227.99, while the Nifty was down 82.10 points at 10240.20.

After three strong sessions, profit booking coupled with spikes in crude and bond prices dragged the Indian market lower on Tuesday, with the Sensex shedding over 200 points, while the Nifty ended below 10,250-mark.

Brent oil prices jumped 1.5 percent on Tuesday to their highest since mid-2015, after the shutdown of the Forties North Sea pipeline knocked out significant supply from a market already tightening due to OPEC-led production cuts.

Spike in bond prices also led to a sharp fall in public and private banks as the Bank Nifty shed over 270 points, Axis Bank, Kotak Mahindra Bank, ICICI Bank, Yes Bank, and Federal Bank, among others ended in the red.

"Weakness in Asian stocks and subdued trading on European bourses weighed on sentiment in the domestic bourses. Investors largely remained skittish in anticipation of some macro and micro developments in various pockets of the world," Karthikraj Lakshmanan, Senior Fund Manager – Equities, BNP Paribas Mutual Fund said in a statement.

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The Sensex closed down 227.80 points or 0.68% at 33227.99, while the Nifty was down 82.10 points at 10240.20. The market breadth was negative as 993 shares advanced against a decline of 1,679 shares, while 149 shares were unchanged.

ONGC, Dr Reddy’s Laboratories, and Adani Ports were the top gainers, while Coal India, Hero MotoCorp, HPCL and Bharti Infratel were the top losers.

Among stocks, major stocks ended on the lower side. HDFC Bank, TCS, and ITC, among others, saw negative moves.

Dr Reddy's Laboratories shares ended 2 percent higher on getting clearance to Bachupally plant. The pharma major informed exchanges that it has received an establishment inspection report from the US Food and Drug Administration on Monday after closure of audit of Bachupally unit, Hyderabad. In April, the USFDA conducted an audit of this formulation manufacturing plant 3 and issued a form 483 with 11 observations.

Zee Entertainment ended over 0.23 percent higher as Credit Suisse maintained ‘Outperform’ rating on Zee Entertainment Enterprises with a price target of Rs 610, implying upside of 7 percent from Monday's closing price. The research house expects strong earnings report in the second half of FY18 and holds positive growth outlook on advertising and subscription. The research firm said cut in the GST rates will support advertising in the next financial year and Phase 3 digitisation benefits should start benefiting Zee Entertainment in the next financial year.

Profit booking was visible in Motherson Sumi, which ended around 0.50 percent lower after it nearly gained 2 percent intraday after Goldman Sachs upgraded the stock as well as raised target price sharply. The firm upgraded the auto ancillary company to buy from neutral and raised price target to Rs 430 (from Rs 318 per share), implying 13.5 percent potential upside from Monday's closing price. "Motherson is the best positioned among our India autos coverage," the research house said while raising revenue estimates for the next three financial years by 5 percent, 9 percent and 8 percent, respectively.

Meanwhile, Oil marketing and aviation companies' share prices fell 2-3 percent on Tuesday following sharp rise in crude oil prices in international market.

HPCL, BPCL and IOC declined 2-4 percent while Jet Airways, SpiceJet and InterGlobe Aviation (IndiGo) were down 1-2 percent each. Oil retailers are allowed to make changes in petrol and diesel prices on daily basis, tracking international crude oil prices but it won't possible for them to increase it sharply when oil prices, like today, are trading at highest level since 2015. As the state elections lined up before general elections 2019, it is difficult for the government to allow oil marketing companies hike petrol and diesel prices sharply. So these PSU companies have to bear that burden and that is why stocks are correcting. Any increase in crude oil prices is always bad for aviation companies as oil retailers always pass on hike first to aviation. It is the key cost for aviation companies, so any increase in that cost hit their financials.

Meanwhile, Alembic Pharmaceuticals ended 1 percent higher on receiving approval from the US health regulator for drug that treats overactive bladder. The pharma company received approval from the US Food and Drug Administration for its abbreviated new drug application (ANDA) Darifenacin extended-release tablets, 7.5 mg and 15 mg. The drug is therapeutically equivalent to Enablex of Allergan Pharmaceuticals.

Going forward, experts are anticipating a negative move going forward. "The issue inherently is that we are constantly underperforming our global peers and prices seem to have run up without the underlying fundamentals catching up yet. We continue to maintain a negative outlook and advocate holding shorts at the current juncture." Nikhil Kamath, Co-Founder and Head of Trading, Zerodha said in a statement.

If you looking for secrets from Expert advisor to your Online Share Broking success.KKP Capital MK Prabhagaran will help your dreamy future.For more details of his services to click on their website(www.mkprabhagharan.com).

Awareness Of Mutual Fund From KKP Capital MK Prabhagaran - Tips For a Beginner

Awareness Of Mutual Fund From KKP Capital MK Prabhagaran - Tips For a Beginner

For a first time investor in MFs, it is important to make a sensible first choice. Mutual Fund Advisor leads the way.

   

 First time investors in Mutual Funds act in the face of imperfect information and often get overwhelmed by uncertainties characterizing the investment situation. But theres more to Mutual Fund investing than market timing.

first Step for Success..

The first thing an aspiring unit holder must do is to establish what type of portfolio he wants to build. In other words, to decide the right asset allocation. Asset allocation is a method that determines how you invest your money in different investments with the proper mix of various asset classes. Remember, the type or class of security you own i.e. equity, debt or money market, is much more important than the particular security itself.

The popular thumb rule for asset allocation says that whatever the investors age, he should keep that percentage of his portfolio in debt instruments. For example, if an investor is 25, he should have 25% of his investments in debt instruments and the rest in equity. However, in reality, different circumstances and financial position for each individual may require different allocation. Portfolio variable is another factor that one needs to understand to practice asset allocation. These are age, occupation, number of dependants in the family. Usually the younger you are, the more riskier the investments you can hold for getting superior returns.

How to Select the right fund/s?

Next, focus on selecting the right fund/s. The key is to select the fund/s based on their investment philosophy and consistency in terms of returns. To ensure you are selecting the right type of funds that are appropriate for your needs, consider following:

Determine what your financial goals are. 

Are you investing for Future retirement? A childs Future? Or for current income? 

Consider your time frame. Do you need money in three months time or three years? The longer your time horizon, the more risk you may be able to take. 

How do you feel about risk? Are you in a position to tolerate the ups and downs of the stock market for the possibility of higher returns? It is necessary to know your own risk tolerance. It can be a guide for choosing the right schemes. Remember, regardless of the potential returns, if you are not comfortable with a particular asset class, you should consider other options.

If you looking for the best Mutual Fund Advisor to visit their website(www.mkprabhagharan.com) and get more knowledge for your Fund investments.

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?

Best Share Broking Company In Tamilnadu

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.

Mutual Fund Advisor

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.

Mutual Fund Advisor

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.

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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/).

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

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

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#Mutual Fund Advisor

#Low Cost Stock Broker 

#Online Share Broking 

#Financial Planner Karur

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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

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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.

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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

Best Share Broking Company In Tamilnadu

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

Financial Planner Karur

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.

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