The Rekama Blog

Investment not hit by inflation, RBI moves: CMIE

Fri, 19 Sep 2008 05:25:48 +0000

Sky-rocketing inflation and the subsequent stringent monetary measures initiated by the Reserve Bank to curb it have not impacted the pace of fresh capital investment, a Centre for Monitoring Indian EconomyÂ report has said.

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"Rising inflation and the RBI's attempts to combat it through monetary tightening are leading to fears of the investment boom in India cooling off," the CMIE said. The pace of fresh capital investment, however, continues unabated, the think thank said. "The relentless rise in the flow of fresh capital investments reflects India Inc's confidence in the continuation of buoyancy in the consumption demand." According to the report, although rising interest rates are expected to dampen the profitability of Indian corporates, "it is not a very significant burden to make them cancel their fresh investment plans or stall those under implementation".

Full Story: Investment not hit by inflation, RBI moves: CMIE

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5 questions investors are asking now

Thu, 18 Sep 2008 14:23:50 +0000

A t Personalfn , we routinely interact with investors. And ever since the equity markets turned volatile, we have (expectedly) come face to face with several hassled and confused investors. Another pattern we have noticed is that a number of investors have similar concerns. We thought it would be interesting to address the 5 most common questions that investors are faced with now.

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Is this the right time to invest in equities? With equity markets descending from their record highs, several investors want to know if this is the right time to invest in equities. More importantly, they would like to know if markets have bottomed out. As regards the former, it can be safely stated that the markets are attractively poised in terms of valuations. So does that mean investors across the board should get invested in equities? Not really. Only investors who can take on the risk associated with an equity investment should consider getting invested. Also, investors should be willing to stay invested for the long haul (at least 3-5 years).

Full Story: 5 questions investors are asking now

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Paying EMIs on time, but still a defaulter!

Wed, 17 Sep 2008 23:24:16 +0000

W hen home prices are going up, your equity in your home also goes up. Let's understand this with an example. Consider, three years back you bought a property for Rs 50 lakh (Rs 5 million), with Rs 500,000 as down payment and a home loan of Rs 45 lakh (Rs 4.5 million). Now, if the property is priced at Rs 1 crore (Rs 10 million), it means that even if you were to sell it off and repay the entire home loan, you would still make around Rs 55 lakh (Rs 5.5 million) as net profit.

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The other advantage is the rise in the price would also make you eligible for an additional loan against the property. Known as the concept of home equity, this is quite a common product in the US. In India, most banks call it as a top-up loan, where borrowers can garner further amounts, based on the existing valuation of the property. While the rise in property prices leads to an increase in home equity, the reverse is also true. That is, when prices of property fall, your home equity diminishes. In recent times, there have been reports of real estate prices cooling off. A reality check also establishes that very few transactions are happening today. This could lead to some price corrections, and quite sharply, in areas where prices have risen too fast, too soon.

Full Story: Paying EMIs on time, but still a defaulter!

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What sets aggressive equity funds apart?

Wed, 17 Sep 2008 08:24:05 +0000

I nvestors often make the mistake of investing in mutual funds without fully understanding the implications of the investment. One common area where investors are confused is with regards to aggressively managed equity funds.

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They invest in these funds without realising their true nature. The confusion occurs because investors are unable to fathom what gives such funds that 'aggressive edge'. In this note, we analyse the factors that set apart aggressively managed equity funds from other equity funds. At Personalfn, we maintain that a diversified equity fund should hold no more than 40Â per centÂ of assets in the top ten stocks. This helps the fund counter stock market volatility more effectively. Aggressively managed funds usually have more than 40Â per cent of their assets in the top 10 stocks.

Full Story: What sets aggressive equity funds apart?

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Do you feel let down by your MF investments?

Tue, 16 Sep 2008 17:24:14 +0000

F ew would dispute that the year 2008 has been tough on investors. This holds especially true for first-time investors i.e. the ones whose tryst with equity markets only began in the last few years. After having seen the markets surge to record highs, the downturn has certainly caught several investors off-guard.

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And the despondency is not restricted only to those who have participated in equity markets via the direct equity investment route. As a result, several investors are in panic mode . Some are even contemplating redeeming all their mutual fund investments and instead making investments in risk-free avenues like fixed deposits and bonds.

Full Story: Do you feel let down by your MF investments?

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Debt funds: Liquid versus liquid plus

Tue, 16 Sep 2008 02:25:41 +0000

B eing financial planners, we regularly interact with investors to understand their needs and the problems they face while investing. And more often than not, their concern about debt instruments is unanimous.

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While most investors appreciate the importance of investing in debt (like debt funds, for instance), the lack of knowledge about debt instruments and their complicated nature, prevents them from venturing into this segment. Moreover, the jargon associated with debt instruments can be confusing for the average investor. That explains why debt investment remains a mystery for a majority of investors.

Full Story: Debt funds: Liquid versus liquid plus

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5 great tips for investors to play safe

Thu, 11 Sep 2008 01:53:02 +0000

T he immediate impact of rising inflation is clearly visible on interest rates, which have also been moving up. That in turn is also reflecting on economic and corporate growth. Such a situation will bring with it a number of challenges for companies as they seek to fund their day-to-day operations as well as manage future growth.

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In a rising interest rates scenario, where easy money gets wiped out (thanks to equities turning unattractive), banks also turn stringent while lending to companies. For now, the fact that the prime lending rates, at which companies typically borrow from banks, have shot up and currently hover at about 15-17 per cent as against the 12-13 per cent three years back is a matter of concern.

Full Story: 5 great tips for investors to play safe

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Are structured products good enough?

Wed, 10 Sep 2008 10:53:29 +0000

A midst the stock market volatility, it is not surprising to find investors who have all but redeemed their investments. Considering the losses incurred, investors are now exploring investment opportunities in avenues beyond equities. These avenues even have a fancy name - structured products.

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Structured products, is the latest buzzword among investors and fund houses alike. Many investors are enticed by the investment proposition offered by these products. Fund houses on their part are only willing to launch more products to feed their popularity among investors. Most investors believe that structured products are designed in a manner that equips them to deliver superior returns. Besides, they also consider them to be less risky.

Full Story: Are structured products good enough?

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Retired? 6 great investment plans

Tue, 09 Sep 2008 19:53:27 +0000

R etirement marks the beginning of a new phase in an individual's life. It's a transition from a lifetime of work to a time when one can relax, spend time with the family and pursue other interests. Not only this, retirement also marks a transition in one's finances. With a regular stream of income no longer available, the savings made over one's working years now have to provide for all his needs.

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Given the kind of challenges that retirement can throw up, it isn't surprising that any financial planner worth his salt would recommend that retirement planning should be given its due importance and started as early as possible. However, there is another (often ignored) set of investors - retirees. Individuals who are already retired and need to get invested now. For such investors, capital protection and liquidity are priorities. In this article we profile some investment avenues that retirees can consider adding to their portfolios.

Full Story: Retired? 6 great investment plans

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Having second thoughts about your ULIP?

Fri, 05 Sep 2008 19:23:25 +0000

T he turbulence in equity markets has impacted more investors than one would have initially thought. The hardest hit are those who invest directly in the stock markets (i.e. direct equities). Then there are investors who aim at diluting the risk of investing directly in equities by routing their investments through mutual funds.

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Expectedly, this category of investors has also felt the heat from the stock market turbulence. There is yet another category of investors to rival both these categories in terms of equity investments i.e. ULIP (unit linked insurance plan) investors. If too many visitors haven't given a thought to the fact that ULIP investors have considerable investments in equities, it's largely because ULIPs are a mixture of insurance and investments, and sold under varying (marketing) guises depending on the situation.

Full Story: Having second thoughts about your ULIP?

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Is tax-planning on your 'to do' list?

Tue, 02 Sep 2008 01:24:54 +0000

H ere's a thought - when it comes to investing in the normal course, investors are willing to spend time, evaluate various options and meticulously plan the entire process. But when it comes to tax-planning, handling it in a rushed manner towards the end of the financial year is an acceptable proposition.

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While investing can be a sporadic activity, tax-planning is an annual exercise and hence can have far greater implications on one's finances. Finally, when investments are made in designated avenues for the purpose of tax-planning, they deliver dual benefits i.e. reduce the tax liability and generate optimum returns. Despite the obvious benefits that tax-planning offers, the apathy displayed by some investors towards it is rather surprising. Perhaps these investors continue to look at tax-planning as just another annual obligation that must be fulfilled. As a result, they haven't fully understood the benefits that the tax-planning exercise can deliver.

Full Story: Is tax-planning on your 'to do' list?

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Has HDFC Top 200 delivered?

Sun, 31 Aug 2008 04:26:15 +0000

Despite having been in existence for a while, index funds have never quite captured the domestic investor's imagination. And the reasons are not hard to see, given that index funds have been outscored by actively managed funds for a better part of their existence.

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However, a related investment style i.e. index-plus investing has delivered better results. Index-plus investing combines active and passive investing, thereby attempting to capitalise on the best of both worlds. ] Top 200 Fund has made a name for itself as a proponent of index-plus investing. In this article, we put HTF's investment proposition under the scanner and study its performance.

Full Story: Has HDFC Top 200 delivered?

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SIPs: A long-term investment strategy

Fri, 29 Aug 2008 15:47:57 +0000

S ystematic Investment Plans are much misunderstood. For one, investors often mistake SIPs as an investment avenue rather than a mode of investing in mutual funds. Then there are investors who invest in SIPs expecting quick results without fully appreciating the need to invest via SIPs for the long-term.

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In an earlier article, we discussed how SIPs are perceived incorrectly by many investors as standalone investments. This explains why one of the most common queries we receive on the website is - which is the best SIP? Unfortunately, these investors have not been educated by their investment advisors about SIPs i.e. SIPs are only a mode of investing and not an independent investment avenue. Another misconception investors have about SIPs is with regards to the minimum tenure. Most fund houses have a minimum SIP tenure of 6 months. This leads investors to believe that 6 months is the ideal time frame for investing via SIPs (just like a lot of investors invest Rs 5,000 in mutual funds simply because that is the minimum investment amount for several mutual fund schemes).

Full Story: SIPs: A long-term investment strategy

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Which is the best SIP?

Mon, 25 Aug 2008 06:48:46 +0000

T hat's a question we routinely hear nowadays. Ever since the equity markets have been engulfed by volatility, the most frequently heard piece of advice is - invest via the systematic investment plan route for the long-term. While regular visitors and clients of Personalfn have since long bought into the merits of SIP investing, we are rather surprised to note that it took a prolonged volatile phase for most investment experts/advisors to appreciate the importance of SIP investing.

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Coming back to the original question - which is the best SIP? Thanks to all the hype around SIPs, several investors have been led to believe that the SIP is an investment avenue. Furthermore, the panacea to the present testing phase is to select the best SIP and get invested therein. The SIP is simply an investment mode i.e. a means to invest in mutual funds and not an investment avenue . When an investor chooses to invest via an SIP, he makes investments (usually) in smaller denominations at regular time intervals as opposed to making a single lump sum investment. The underlying intention is to benefit from the volatility in equity markets by lowering the average purchase cost. In this article, we discuss the pros and cons of SIP investing.

Full Story: Which is the best SIP?

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Investment not hit by inflation, RBI moves: CMIE

Wed, 20 Aug 2008 21:00:48 +0000

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