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5 Financial Advices you can gift your Sibling this Bhaidooj

5 Financial Advices you can gift your Sibling this Bhaidooj
by Nutan Gupta 10/12/2017

Bhai Dooj or Bhaubeej, as known in Maharastra, Karnataka and Goa, is an Indian festival that celebrates the love among siblings. During this festival, the sisters pray for their brothers’ long and prosperous life to God. Apart from rich sentimental value, it has a lot of religious importance as well. It is usually celebrated during Diwali across the country.

As a part of the festival celebrations, brothers pledge to protect and care for their sisters while the sisters pray and ask God for graces and blessings for their brothers. This is followed by giving material gifts as well. However, the nature of gifts has seen some transformation in recent times. From material things to cash, the nature of the gift has changed over time but the intention remains the same. If you too are thinking of gifting something to your sibling this Diwali, try gifting them an investment asset or opportunity. Not only would it be financially helpful but it could also act as security for their better future.

In India, investment has the notion of being complicated and therefore people shy away from it. To ensure that your sibling doesn’t do that, here are 5 financial advice that you can gift your sibling this Bhai Dooj and contribute towards their prosperous future.

1.Investments help you determine your goals

Having money stacked up in savings account kills the potential growth it has trapped in it. The interest rate on asavings account is also comparatively very less than compared to other investment options. Thus, the process of investing would not only help in getting good returns on their savings but also works towards their goals. Investments done with a goal in mind have a better chance of becoming reality than that which is just deposited. Hence, this exercise would thus make your sibling more goal-oriented along with making them rich.

2.Investments encourage having emergency funds

The next thing that investments would motivate your siblings is planning their finances ahead of time. It would inculcate the values of budgeting and also bring about discipline in how they spend the money they have. Since investments are risky and they might not all be liquid investments, it also encourages your siblings to have and maintain an emergency fund. This would help them avoid withdrawing from their investments in case some financial emergency arises.

3.Investments helps automate savings

One of the best things that your siblings can do is to automate their savings. It’s a pretty simple concept. All they need to do is to make sure a certain amount of money gets automatically deducted from your account a particular day of the month. A convenient way to do that is to invest in Mutual Funds by the Systematic Investment Plan (SIP) mode. In this way, the bank will automatically deduct their monthly contribution to the mutual fund in question. It prevents them from overspending and backing out from investing. This way, their money will work by itself and won’t give them any chance of missing out on their targets.

4.Investments promote monthly savings

SIPs help people to invest in shares and stocks through mutual funds under the guidance of a fund advisor. With the SIPs, your siblings can invest small amounts on a monthly basis instead of a large lump sum amount. Most experts say that it’s one of the best investments that they can do right now, and it’s a lot better than making a Fixed Deposit. SIPs ensure that regular contribution towards the fund reduces any major financial downfall in the long run. This makes their monthly budget more organized as well.

5.Investments help prepare for retirement

It’s always wise to invest in a Pension Plan. If your siblings continue to work in private firms, they won’t be getting any pension from them, so it’s always better to make an investment in the National Pension Scheme. It’s a government scheme in which 40% of the corpus left after maturity is made directly tax exempt. Also, 40% more in the remaining 60% will have to be mandatorily spent to purchase an annuity, and thus will be tax exempt. Only 20% of their investment will be taxable after maturity. In short, this will help your sibling get a nice fat amount on retirement and most of it will be tax-free.

Thus, with these 5 financial tips, you can gift your siblings a secure future by giving them investment products this Bhai Dooj.

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5 Investment Strategies to make money this Diwali

5 Investment Strategies to make money this Diwali
by Nutan Gupta 10/12/2017

Diwali is the time for a lot of sweets, gifts, crackers and light. It is a time-honoured tradition to invoke the Goddess of Wealth during this time. The Festival of Light is an auspicious occasion to hasten our prayers with wise fiscal planning.

Investment options have become less lucrative with falling interest rates. Let us focus on some all-round investment options.

Public Provident Fund (PPF) - PPF is among the safest long-term investments in the land. Since it is government backed, this investment is completely watertight. Any bank or post office can facilitate the opening of a PPF account. Furthermore, for any annual investment amounting to Rs.1,50,000, the entire interest earned is tax-free.

This is particularly beneficial for long-term investment as it has tenure of 15 years, though withdrawals are allowed before this period.

Systematic Investment Plan (SIP): With the SIP proving a runaway hit in the mutual fund market, it is reasonable that you jump on the bandwagon. SIP means that you keep on investing bite-sized amounts into the mutual fund of your choice periodically. The greatest is that it encourages financial discipline. More than profits, its discipline which would keep your finances in good stead. Also, unlike the lump sum method of investment, it allows us to tide over market downs and get reasonable profits from bullish periods. Studies have shown that SIP’s tend to perform better over time and evens out any losses incurred.

Gold: Buying gold during Diwali is a time-hallowed tradition. Buying gold has long been considered as the best way to welcome Goddess Laxmi. Tradition now gets a boost of modernity as several gold-based investment schemes have been proffered. Both GOLD ETF’s (Exchange Traded Fund) and E-Gold have changed the face of the industry.

GOLD ETF’s or Gold Exchange Traded Funds have become very popular. These are mutual fund schemes which only invest in gold. These units are then held in electronic form by the investors. The value of one unit of ETF has been set as equivalent to one gram of gold. These can be bought and sold like ordinary stocks on the market.

E-GOLD was recently launched by the National Spot Exchange Ltd (NSEL). The main difference it has with Gold ETF’s is that the investor becomes the owner of the gold and not any Asset Management Company (AMC). In this way, we avoid the maintenance charges and other fees levied by the AMC’s.

Equities: The market for equities is always lucrative during festive occasions. Buying stocks and shares have been a traditional investment during Diwali and this fiscal year should be no different. Investors and traders often purchase stocks on Diwali for themselves and also for their families. The BSE (Bombay Stock Exchange) Sensex gained almost 4,000 points or 13 percent since last Diwali. The expectation is strong that 2017 could lead to an even greater spurt of growth. There was some brisk trading in mid and small cap stocks with valuations rising up to 800 percent in some cases. Most sectors, with the noticeable exception of the export-oriented sector, have recorded substantial gains for the fiscal year.

It seems like the perfect time to tweak the strategy and focus on the winning stocks for the year ahead.

Sukanya Samriddhi Account: Under the aegis of the “BetiBachaoBetiPadhao” movement, the government has initiated the Sukanya Samriddhi Account scheme. This scheme explicitly means to encourage girl-child education. You can easily open an account under this scheme in post offices and banks. With a minimum investment of Rs 1000 a year to Rs 1,50,000, the investment is completely tax exempt. The investment period needs to begin before the girl in question is 10 years old and continues till she is 21. It offers a very practical way to ensure the financial security of the little goddesses of our household.

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10 Golden Rules of Investing

10 Golden Rules of Investing
by Nutan Gupta 10/12/2017

One of the world's richest men and the greatest investor of our times, Warren Buffet has many remarkable stories surrounding him. In 2006, Warren Buffet donated 85% of his then 44 billion US dollars wealth to charity. None of us would have the spine to do that. However, Warren Buffet did that and re-attained his position among the richest men in the world.

We all have dreams and aspirations; for some, it may be having a place to call theirs while for some it may be driving their luxury car to work every morning. However, these dreams come crashing down when you realize that you don't have the funds to fulfill them and with your limited income, you probably won't even have the required amount after 20 years. Luckily, these days there is a solution to everything. Investing your money in different instruments is a sure shot way of not just increasing your income but also increasing it exponentially. However, smart investing is important for your money to grow exponentially. 

Here are a few points to aid you in investing smartly:

Money Investing Rules

1) Be clear about financial goals

Before investing, always be clear about what you want from your investment and how much return you expect from it.

2) Know your net worth

It is always important to calculate the net assets and liabilities a person has before beginning with the investment process. It will be easier for you invest your money wisely if you are knowledgeable about current investments.

3) Proper research

Proper research is crucial; avoid investing in anything unless you have adequate knowledge about the subject.

4) Never try and time the market

In simpler words, never try to guess which way the stock market will go. Invest today and widen your investment horizon.

5) Always invest in businesses you understand

If you are new to investing, it is always safe to start off by investing in the sectors with which you are familiar. This will help you make sound investment decisions.

6) Diversify your portfolio

Spread your risk across different asset classes. Invest in different types of financial instruments so that even if you suffer a loss in one, it will be compensated by gains in another.

7) Review your portfolio

Always track the performance of your portfolio at regular intervals to check the performance of your investments. Also, an analysis may be required may be required on special occasions like marriage, etc.

8) Factor in inflation when calculating returns

Very few investors comprehend the influence of inflation on their investments. Factor in inflation to know the real value of your income and investments

9) Be prepared for contingencies

Always ensure that a few investments are in the liquid state; these can be withdrawn at short notice to meet any emergencies. Don't lock in all your funds for a long time.

10) Emotions should not dictate investment decisions

Never get carried away by emotions while making investment decisions. Be realistic and rational when making such decisions related to investment. Always be realistic about your expectations. Don't build castles in the sky; don't base your financial goals on unrealistic expectations.

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Trading tips from a Taxi driver

Trading tips from a Taxi driver
10/12/2017

Being an avid traveler, I try to go to as many places I can and meet interesting people; some of these people end up inspiring me in numerous ways. Last month, I was traveling to Mumbai to visit my sister.

I boarded a taxi from Mumbai Central to go to my hotel. I had no clue that this hour-long taxi ride was going to upturn my financial life and change my way of reaching my financial goals.

Ten minutes into the ride, I noticed a photograph glued to the dashboard. It was a photo of the taxi driver, his wife, and his two daughters. Out of curiosity, I asked him what his daughters were doing in life, to which he gave me a surprising answer: "This one is Radha, and she is pursuing her Bachelor's degree from IIT Bombay, and this is Sandhya who is doing Ph.D. from Yale University in Connecticut." Out of all the possible answers, this was one that I was not expecting from a taxi driver.

I congratulated him on his daughters' hard work and achievement. Curiously, I asked him: "All this must be costing you a fortune; do you earn enough from the taxi to fund your daughters' education and cover your daily expenses?"

To my surprise, he replied: "No, not from the taxi; I mostly earn my money by trading in the share market. Driving a taxi is something I started with because I don't like to sit all day in the house doing nothing. So, I decided to do the one thing that I'm good at; apart from investing, of course." This reply was followed by a big laugh as I sat there, even more astonished than before.

Since I have always been fascinated by the share market and the infinite opportunities that it provides to build wealth, I decided to ask him how he manages his investment and the strategies that he uses to trade in the share market. Given below is a small summary of what I learned:

Share Market Trading Tips

Thorough research

On knowing that he hasn't had a loss in investing in 2 years, I asked him, how he picks the perfect stock. To this, he replied: "I research the investment inside and out before deciding to invest. I check the background of the company by looking at their previous earnings, their balance sheet, their income statement, and their potential to pay a regular dividend. If all of this seems right and I see that the company has a potential to grow in the future, I go ahead with my decision to invest in the company." I asked him where he got the time for all this.

"What are nights and early mornings for?" he replied with a smile.

Diversification

When he stated that he hadn't had a loss in over two years, I doubtfully commented: "But this seems like an impossible thing in the share market, even big-time investors incur regular losses." To this, I got an intelligent reply: "It's not that I have not suffered a loss in my investments, I just cut them by earning more profits through my other investments. You see, I am all in for diversification of my portfolio. I try to invest in different company's stocks rather than putting all of my money in just one place. It spreads my overall risk across multiple investments, and even if my one investment turns bad, profits from my other investments make my overall portfolio profitable."

"Well, that's just pure genius," I replied.

Discipline

On asking him what trait a person should have to be successful in the share market, he smiled and replied: "Discipline and patience are crucial. I have seen people selling their stocks as soon the prices go a little higher, losing out on earning so much more money as the price usually increases in the future. You have to be disciplined and patient when trading in the share market. If you sell early, you lose on making more money, and if you retain your stocks for too long even when the market is down, you incur massive losses. By regularly monitoring your investment, you will know the right time to buy or sell your stocks."

When I reached my hotel, I still had so many questions that I wanted to ask him. I realized that I didn't even know his name.

"In midst of all this, I forgot to ask your name.

"No worries, I am Dinkar Rajoria and here is my card. Feel free to call anytime you want a taxi."
"What about for investment advice?

"Call me anytime for that."

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The ‘right’ way to exit a losing trade

Exit a losing trade
13/04/2018

Every trader has his share of bad trades in his portfolio and you do not need all your stocks to be multi-baggers to be successful in the share market. While gains from a stock have no upper limit, the loss from a stock is limited to the value invested in it. Exiting a losing stock is not only a financial loss for a trader, but also an emotional or psychological loss. It is human tendency not to accept losses readily. We have a few recommendations that will help you exit a declining trade.

Let’s take a look

Use stops to restrict your financial losses

Stops are calculated, pre-determined price levels at which the investor chooses to go short or sell his stocks to limit losses. When the stock price hits the stop loss price, a sell order is executed and the stock is automatically sold at that price. Stop loss orders work well as they define the losses beforehand and the loss amount is in the control of the investor. Have a personalized stop loss strategy and use it effectively to limit your losses while investing in stocks.

Keep a check on the stock even after exiting to find a re-entry point

Once you exit a position, keep an eye on it to identify any bullish indication of reversal, which can be a potential re-entry point. Using stops, you might sometimes exit your position because of price volatility. In no time, you may find the prices rising again. However, using proper stops is proven to be effective as it limits your losses in most cases. Analyze the charts, study the candlestick patterns, and re-enter, only, if it coincides with your research and not in hope or revenge. If there is no valid reason to re-enter the trade after the initial exit, walk away and search for new opportunities.

Do not emotionally connect with your stock picks

You should accept your wrong picks and move on rather than lingering onto the stock in the hope of a rebound. You need to monitor and notice the developments around your shares continuously, and if stocks are taking the wrong direction, you will sometimes need to book losses and accept your wrong stock picks. Don’t fall in love with your shares, sell them if the fundamentals do not appear correct and restrict your losses. Booking losses or hedging them at an early stage can help minimize losses.

Accept responsibility and analyze your mistakes and find out where your investment plan can be improved

This will help reduce the chances of the same happening again. Handling trading losses well is a leading characteristic of successful investors. Treat a failure as an opportunity to learn and improve it in your next move. Many opportunities are waiting out there in the market for you to find and grab hold of.

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5 Stock Tips This Dussehra

5 Stock Tips This Dussehra
by Nikita Bhoota 02/06/2018

Dussehra is considered to be an auspicious festival in India. On this day, Lord Rama has killed Ravana. This festival signifies the victory of good over the evil. Similarly, an investor can overcome their loss-making investments by adding the right stocks in their portfolio. Based on research, fundamentals and valuations, we recommend the following stocks for investment this Dussehra.

Infosys

Infosys is the second largest IT Company in India. The company’s service lines are more focused on discretionary spends like ADM and ERP constituting 67% of the revenues. On the vertical front, BFSI accounts for 33% of the revenue. Geographically, North America contributes ~61.9% of the revenue followed by Europe (~22.5%) in FY17. We expect 11% revenue CAGR over FY17-19E due to pickup in BFSI and retail segment supported by higher customer spends in the US. Similarly, large deal wins will keep the growth momentum. We expect 8% EBITDA CAGR over FY17-FY19E due to increasing focus on cost optimization. We expect 5% PAT CAGR of over FY17-FY19E. The appointment of Mr Nandan Nilekani as the non-executive chairman would restore a sense of security among investors, employees, and clients. We expect an upside of 15% from CMP of Rs 898 over a period of 1 year.

Year Net Sales (Rs Cr) OPM (%) Net Profit (Rs Cr) EPS (Rs) PE (x) BVPS (Rs) P/BV (x)
FY17 68,485 27.2 14,353 62.5 14.4 296.2 3.0
FY18E 70,746 26.6 14,326 62.4 14.4 358.6 2.5
FY19E 76,058 27.1 14,993 65.3 13.8 423.9 2.1

Source: 5paisa research

Aurobindo Pharma

Aurobindo Pharma Limited (Aurobindo) manufactures generic pharmaceuticals and active pharmaceutical ingredients in India. The company's product portfolio is spread across six major therapeutic categories of antibiotics, anti-retrovirals (ARV), CVS, CNS, gastroenterological, pain management, and anti-allergic.  It derived 79% of revenue from generic pharmaceuticals and remaining from active pharmaceutical ingredients in FY17. Geographically, US business contributes 44% to Aurobindo’s total revenue.  We expect 20% revenue CAGR over FY17-FY19E due to strong pipeline of 134 products which majorly includes niche and high value products. Clearance to unit 7 in Hyderabad is also beneficial for the company. Further, recent approval for serum and tablet formulations of gRenvela will also boost the revenues. We expect margins to improve by 110 bps as strategic backward integration of marketing with API manufacturing is expected to reduce the intensity of ongoing pricing pressure. We expect 28% PAT CAGR over FY17-FY19E. We expect an upside of 15% from CMP of Rs 698 over a period of 1 year.

Year Net Sales (Rs Cr) OPM (%) Net Profit (Rs Cr) EPS (Rs) PE (x) BVPS (Rs) P/BV (x)
FY17 15,089 23.1 2,301 39.3 17.5 161.0 4.3
FY18E 16,301 23.2 2,386 40.7 16.9 201.7 3.4
FY19E 18,173 25.5 2,947 50.3 13.7 252.0 2.7

Source: 5paisa research

Manappuram Finance

Manappuram Finance is an NBFC, offering gold loans, microfinance, housing loans and commercial vehicle loans. Its AUM comprised of gold loan (81.4%), microfinance (13.14%), housing finance (2.2%) and others (1%) in FY17. We expect income to grow at 28% CAGR over FY17-FY19E on account of pickup in gold segment. The company is strongly focusing on short-term gold loans owing to current volatility in gold prices. Manappuram is also focusing on housing finance and microfinance and targets to derive 50% of revenue from these segments in next three years. We expect AUM to grow at 20% CAGR over FY17-FY19E. We expect GNPA to remain flat at 0.8% in FY18E. We expect an upside of 18% from CMP of Rs 95 over a period of 1 year.

Year NII (Rs Cr) Net Profit (Rs Cr) EPS (Rs) ROE (%) P/BV
FY17 1,943 726 1.7 24.8 2.8
FY18E 2,185 836 2.0 24.9 2.5
FY19E 2,489 959 2.3 24.9 2.1

Source: 5paisa research

Titan

Titan Company is India’s leading player in branded jewellery, watches and precision eyewear. Its revenue consists of Jewellery (78%), Watches (15%), Eyewear (3%) and others (4%) in FY17. We expect 42% revenue CAGR over FY17-FY19E on account of sub-brand Rivaah in wedding jewellery segment. With this, Titan targets to reach 40% market share in FY21E vs 22% in FY17E. Additionally, the entry in high value studded jewellery will also support the revenue growth. Recently, government has fixed GST rate of 3% (expected 5%) on gold which bodes well for the company. We expect EBITDA margins to improve by 90bps over FY17-FY19E on account of cost saving initiatives by the company. Titan is a debt free company which lends financial stability. We expect 60% PAT CAGR over FY17-FY19E. We expect an upside of 15% from CMP of Rs 587 over a period of 1 year.

Year Net Sales (Rs Cr) OPM (%) Net Profit (Rs Cr) EPS (Rs) PE (x) BVPS (Rs) P/BV (x)
FY17 12,614 9.5 761 8.6 68.5 48.6 12.1
FY18E 15,075 9.9 1,019 11.5 51.1 60.0 9.8
FY19E 17,968 10.4 1,285 14.5 40.6 74.5 7.9

Source: 5paisa research

Asian Paints Ltd (ASL)

Asian Paints is the largest paint manufacturer in India with market share of 53% in decorative paints and has a strong dealer network of ~45000 dealers. We expect revenue CAGR of 14% over FY17-FY19E on account of strong demand for decorative paints due to shorter repainting cycle (repainting forms 65% of the decorative paint demand). ASL is working on 2 Greenfield projects (Mysuru-6,00,000 KL and Vishakhapatnam- 5,00,000KL) to expand its decorative paint capacity.  The first phase of both the capacities- 3,00,000 KL will be completed by FY19E. GST will reduce the tax arbitrage for the unorganized segment (30% of industry) and will provide additional benefit to the organized players in the long run. We expect EBITDA CAGR of 14% over FY17-FY19E due to shift from distemper to external emulsion (high margin) in decorative paint business. We expect PAT CAGR of 11% over FY17-FY19E. We expect an upside of 15% from CMP of Rs 1161 over a period of 1 year.

Year Net Sales (Rs Cr) OPM (%) Net Profit(Rs Cr) EPS (Rs) PE (x) BVPS (Rs) P/BV (x)
FY17 15,290 19.8 2026 21.1 55 79.3 15.1
FY18E 17,244 19.6 2173 22.7 51 93.8 12.8
FY19E 19,908 19.9 2533 26.4 44 110.7 10.8

Source: 5paisa research

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