Todays intraday idea 22 nd june

Today s intraday idea Buy infosys at open price stoploss 20 points , target close trade at 3.15 pm.

Disclaimer This is not a trade recommendation this is just sharing our own at your own risk we are not responsible for profits or losses.



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one of the unique funds

ICICI PRUDENTIAL balanced Advantage Fund

(earlier called ‘ICICI Pru Equity – Volatility Advantage Plan’, or ‘ICICI Pru VAP’) has adeptly managed the volatile markets of the last five years to deliver compounded annual returns of 15 per cent. This is better than the benchmark’s (Crisil Balanced Index) return of 10 per cent.

Its performance has pushed it to the spotlight over the last few years. What exactly is this fund’s strategy and how different is it from balanced funds? Read on!

The Fund and its Suitability

is classified as an equity-oriented balanced fund in most places. It seeks to hold at least 65 per cent in equities, like most other balanced funds, and the rest in debt. This fund uses an in-house model, based on a long-term, historical mean Price to Book Value (P/BV), with a view to limit the downside risk during a falling market, while aiming to capture the upside in a rising market. The fund will have the flexibility to hedge its equity positions with derivatives, and also take on derivative positions in the index.

mutual funds is subject to market risk

Financial suicide

Financial Suicide: Are you doing it?

Mr. Young’s Mother-In-Law has gifted DaamadjiRs. 1,00,000 on his birthday. Excited with the windfall he decides to buy the latest smartphone and invest whatever is left. So he is spending Rs. 50,000 and saving Rs. 50,000.
How he buys the smart phone?
He goes to many e-commerce sites, reads customer reviews, then visits gadget review sites and reads expert views and then visits the local mobile store and enquires the rates, enquires with friends which phone to buy, checks his requirements and shortlists the phones and compares them diligently. Spends 2-3 days occupied with this question, brain storming. Tiring!
How he invests?
Chilling with friends: Yaar koi acha share bata, paisa lagana hai.

Friend who knows there is something called equities tells: BUY Dynamite. Upcoming sector, vast potential. Without even doing any research or analysis about the company, Mr. Young invests his hard earned (Mother-In-Law Gift) money and prays to God for double or triple gains.
Now consider:
Will you randomly give any expert or even your friend your money and tell him to buy whichever phone is good for you? Or will you do your own research?
The value of the phone falls by 50% once you step out of the store after purchasing it. It is a depreciating asset. So when you were ready to do all research for a depreciating asset, why not do some research for your investments? 20 years down the line what will matter? Which smartphone you used 20 years back or where you invested money back then?
Sadly, this is how most people invest. Iske Uske kehne par! No research, no knowledge, etc. but hard earned money gambled away. When your friend says bet on India in todays match, you cross question him: Australia is stronger right? But when the same friend says Tata Steel is good to invest, why don’t you ask: But steel sector is depressed right?
This is nothing but financial suicide. We go to the best doctors, best lawyers, best counsellors for everything. But when it comes to financial matters we rely on friend, chacha, broker and have no clue where our money is going! Why?

Consult your Financial Advisor before investing keeping your Financial Goal.

investing in gold

Gold has always been a traditional form of investment especially for Indians as it is considered auspicious to buy gold in festivals. it would be though surprising to note that Gold has never gone down on year on year basis except for couple of years in last 30 years.

Considering this Gold is considered one of the safest investment and Indians who have been extremely bullish kabout the investment in gold
to reduce the risk their portfolio carries.unlike silver which is more volatile gold has seen steady growth as well as sporadic positive growth in the years gone by.

Though the returns offered by Gold has been in the tune of 8 to 10 percent, liquidity it offers makes it a strong investment proposition. For example options like loan against gold with subsidised interest rates offered by banks and the immediate liquidity it offers makes it a must in your investment strategy.
Gold funds which are available in market also needs consideration however in my opinion long term investment in gold still will outperform the returns offered by funds if one has the patience to hold it for a longer period of time.
For example I had done few investments in gold in 2006 wherein the rate of the Gold was around 8000 today post 7 years the rate stands at 30000 which is a sure 20 percent return on investment as of date. Though it looks attractive the returns may vary depending on how financial markets will perform.however the track record suggest Gold as one of the safest forms of investments.

The tax laws governing the gold purchase and sale is highly debatable as lot of Indians are also buying and gifting gold for traditional reasons like festivals and marriages etc’ than there may be few who might be using this as a tax evasion tool however now onwards on every purchase and sale of gold declaration of pan number has become mandatory and therefore some one trying to avoid taxes might face severe consequences therefore buying gold to evade taxes will not be a prudent decision.


Graphical View of Gold CAGR over 50 Years

Gold Historical Prices


Financial Planning!

Idea here is how one can understand and implement basics  of financial planning . The objective is that we start managing our money else someone else will manage it for us and make profit out of it.

The first principle of money management is to manage yourself first .which means that making oneself aware that money we spend is important. Why the word spend is important because if ” Money Management Is your problem whatever you earn is not going to be enough.” Rich dad poor dad ” is the book one should read to generate long term wealth.

There is no shortcut to generating wealth it needs consistency  patience and confidence in wat you believe in.However its important to understand few basic patterns of your long term investment strategy. In India there are majorly 6 basic form of investments .The form of investment you choose will define your strategy of managing your finances and the long term and short term habits you develop.Let’s now clearly understand how this 6 strategies of investment operate.

Tounderstand this better let’s look at how a common man with a common sense thinks.

1.I want good returns on my investment 10 percent plus with guarantee of capital.

2. I want to earn larger profits in short term say 3 to 5 years .

3. I do not want to lock money and whenever i want it should be available to me.

Considering these 3 priorities the 6 investment strategies which evolve are 1.Gold Silver strategy 2.Equity Strategy 3.Real estate strategy 4.Guranteed return instruments 5.Tax planning strategy 6.Investment and life protection strategy.

Going forward we will look at how each strategy works and wats best suited to diffrent temprament of investors,