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Showing posts from 2012

New Year's resolutions for Personal finance in 2013

        New year's resolution for personal finance is the foundation of financial success.Plan the next year now for reaching financial freedom and living a debt free life. These tips can change your financial habits and outcome  in 2013. 1.Analyse your Personal finance matters in the previous year.Check your income and expenditure. 2.Examine all type of loans and debt.Compare interest rates for reducing the exposure in high interest loans. 3.Your loan payment or EMI should be less than 10 % of your monthly net income. 4.Pay the bills on time.Never attract late fee. 5.Pay from your debit card.Minimise the use of credit card and revolving credit . 6.Spend for your priorities.Avoid shopping mania. 7.Create an emergency fund and keep it in savings account .It should be 3 times of your monthly income.This will help to overcome unexpected financial problems. 8.Record your daily expenditure and identify the unncessary things. 9.Make systematic savings every month

Top 5 Mutual funds ( Equity )

Fund                                                      Last 12 months returns 1. SBI Magnum - FMCG                                       51 % 2. Escorts Leading sectors fund                            45.3 % 3.ICICI Pru Banking& Financial services fund          45 % 4.Reliance Media & Entertainment                        44% 5.ICICI Pru - FMCG                                             39 % This based on the growth in net asset value based on last 1 year performance Disclaimer: Investments are subject to market risk.Past performance may not continue in the future.

What is Technical Analysis?

                             Technical analysis is a science of chart reading for identifying the market trend. It is used in shares, commodities and currencies. Technical analysis help us to determine future price with previous price levels and volume. It shows the mass psychology of traders and speculators. Thus, chart analysis act as a tool for market prediction.            No one can control the market. It is a place for competition of  bulls and bears. So market is guided by human emotions and reactions. Each trader should know the influence of  this  phenomena. Technical analysis is the art of understanding mass psychology. It reveals the supply- demand mechanism in each scrip. For accurate analysis ,experts use technical indicators and chart patterns at charting softwares. If we are getting the prevailing trend of the market, 50% job is done.Theories such as Elliot Wave,Dow are famous among students. However traders use technical indicators such as Moving Averages, Ichimok

Financial Mastery

Financial mastery is the art of abundance and wealth creation. It is a superior level of personal finance management. how an individual attain financial freedom? Is it a difficult task or easy one? Normally, people are confused of financial goals and planning.Financial mastery provides the structure of financial discipline and well being.Follow these simple tips:            1.Change your expenditure pattern. because if you control your expenditure, savings will rise. Without saving, investment is not possible. So, mastering the art of saving is the corner stone for attaining financial freedom.            2.Next step is the identification of investment opportunities as per the risk profile.Wealth creation is the result of right investment at right time.You cannot create wealth from bank deposits.You have to search the business opportunities or investing.Real estate and value stocks provide yield in long term.            3. Reprogram your mind and thoughts for financial well being.

Rakesh Jhunjhunwala's Equity Portfolio: October 2012.

                 Rakesh Jhunjunwala,the largest individual investor in India,has made billions from Indian stock market.From an initial capital of Rupees Five thousand,he created a  Stock portfolio worth Rs.6000 crores as on september 2012.The big bull,referred to as India's warren buffet, follows value investing principles and picks up potential multibaggers for long term wealth creation.    He says that Indian economy will grow at better rate than other parts of world and expect higher fund flow gradually from domestic savings. The legendary Investor looks for management quality,competitive advantage and future growth potential when selecting stocks. As per various datas,Jhunjhunwala's portfolio is concentrated on midcap stocks and allocated 85% amount in just 10 stocks. As a contrarian investor,Jhunjhunwala hold the portfolio even in worse market conditions and not worried about daily price fluctuations.He never sells stocks in crashes or panic condition;but book

Ten Rules for Investing in Shares.

     Many investors wish to become successful in stock market , but lose even the capital amount.It is painful to lose your hard earned money.We know that  Warren buffet has created two lac crores from stock market investments.He is continuing as the third richest person in the world.     The story is almost  same in the case of Mumbai investor - Rakesh junjunwala.They made profit from value investing strategies. Let us check the hidden rules of investing.    1. Buy fundamentally strong shares.It is a simple task.but,you should analyse the balance sheet and upcoming projects before investing.   2. Understand the financial ratios of a company.It will help you to know the intrinsic value and earning potential of a share. 3. Do not invest against the market trend.You cannot make profit if share prices are falling and market is facing corrections.Don’t put your money in sideways market. 3. Avoid greed and keep emotional balance even in adverse market conditions.Don’t be pan

Swing trading and Value Investing.

My research and experience in financial market over the last 6 years revealed below insights for making profits. 1.Swing trading is the most successful method for short term trading and investing in equity,nifty,currency ,gold and commodity. 2.Value Investing is ideal for medium term and long term gains from Investing. So, blending of these methods will help us to make profit from the market.   Swing trading techniques: benefits  1.It helps to understand the trend and direction . 2.You can make profit in both directions of the market,whether it is UP or DOWN. 3.Swing trading helps to gain from short term stock picking. 4.Swing trading utilise price Swings for making.It helps to avoid trading in sideways market. Swing trading a scientific method of analysing future price of a stock with technical indicators and Chart patterns. Value Investing.  Value investing or fundamental analysis is a method used by successful investors such as Warren buffet,Peter lynch and Rakesh