Pyception
Forerunner
No, I mean if bear market stay longer than 2-3 month then it will take more time to recover the market. Unless some direct relief provided by Govt which is less likely.
Indian Stock Market and Mutual Funds
- Thread starter anmolbhard004
- Start date
rsaeon
Innovator
There are some funds/stocks that didnt have negative growth in the last year, is it okay to assume they're safer to invest in? They have like half a percent growth.
Or is the mantra "past performance is not indicative of future..." pretty much universal?
Sorry to jump in, but you have to find the reason why? and What's your risk tolerance along with expected future return.
Pyception
Forerunner
No. Even FDs are not exactly "liquid cash" when talking about emergency fund, that would be balance lying in savings acc. Fyi, breaking a sbi fd which was created online is only possible offline by visiting branch.
rsaeon
Innovator
Smaller manufacturing firms appear to have lower but consistent growth from what I've been able to see comparing 1Y and 5Y charts.
Like this one: https://www.etmoney.com/stocks/jash-engineering-ltd/1500
Randomly, Groww's SIP calculator is broken, ET Money's is more accurate.
Tracer_Bullet
Galvanizer
Any kind of short term expectation from investing is faulty expectation which gets tested when things don't go up.
Cycles keep changing, some years back psu stocks were untouchables. And now look at them.
Also markets can do things weirdly and move against general expectations of cause effect. Look at how rates went up, yields inverted and markets still went up.
Bull markets bring excitement and strong public interest and eventually bear markets removes excesses built up in bull market.
Hopefully, we will remain in bull market for few more years atleast. We last had a good run in 2000s. 10-20% droop in such markets is normal.
Pyception
Forerunner
Look good to me, without getting into technical analysis. SME with niche segment
More about this stock-
Jash Engineering - Is it a multibagger
I am starting a new thread on Jash Engineering… Find it really interesting and am waiting for insights from other members. This company got listed in October 2017… http://www.jashindia.com/ =They have been in this industry for 60 years. Sound management - please let me know if that is not...
forum.valuepickr.com
Into the same sphere-
EMS Ltd share price | About EMS | Key Insights - Screener
www.screener.in
raksrules
Oracle
I totally know FD is not that liquid as it attracts penalty (premature withdrawal). Infact I would say liquid may be more liquid than FD.
I am curious as why you are saying No to putting this money in liquid fund instead of FD?
Get Loan Against Time Deposit Online in India | SBI - Personal Banking
Apply for Loan Against Time Deposit online in India at SBI. Get funds readily available to you whenever you desire or need by availing loan against Time Deposit.
yeah sbi sucks in this every other bank allows breaking fd online tried BOB, HDFC and axis all three you easily can break fd and funds are in main ac within seconds
raksrules
Oracle
One question about FD, if I have FD that is supposed to be auto renewed every year and say I forget to do anything to it and I then decided to just take money out, will I be charged penalty?
See above, FD comes with guaranteed returns & premature withdrawal penalty is usually 1% & in some banks not even that (some banks don't apply any premature withdrawal penalty after a certain period of time say 6 months). Also, except for sbi one can break FD online & get money in acc within seconds.
There are 3 kinds of cases, or mixtures of them :
1. If you are earning, and investing for the future : it will be harmful for the markets to go up, because then you get the shares more expensive.
2. If you are retired or in a withdrawal mode : markets going up will be good for you as you sell the shares for more money.
3. If you are a trader, you can get profit whether the market rises or falls. Though I've heard that it is easier to make money in a rising market. Not sure though. Most traders lose money, anyway, from what data I see.
raksrules
Oracle
Sure. I too actually plan to continue FD only. 8L is in Bank of Baroda and 3L is in Sriram Finance. I plan to continue in BoB but make sure it is where the interest is reinvested. My FIL did the FDs and he does it where quarterly he gets money in account which I don't like. I want it reinvested.
I might get the Shriram finance too renewed for 1 year or 1 year 3 months (it has little more interest).
nRiTeCh
Oracle
Bhai sbi is next level. 5 yrs ago when I visited them for a home loan they asked me for offer letters and salary slips right from my first job and said that oily upon background verification check my loan shall get approved.. Me and wife were stunned! BC am I applying for a loan or a branch managers job?
Their yono app is also unlike some yoni...not every has access to it irrespective of your accounts and kyc!
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roadrash99
Forerunner
How did you get this visualisation on tradingview, I wasn't able to find it. Looks nice.markets bled today ,my pf down by 4%
Stock Market Crash: Sensex ends 1,258 points lower after 3 confirmed HMPV cases spook investors
Why Stock Market is Falling Today: Fear of Human Metapneumovirus (HMPV) cases in India led to a significant stock market crash with the Sensex falling ending over 1,200 points and the Nifty losing around 1.6%. The detection of HMPV cases in Karnataka and Gujarat heightened investor concerns...economictimes.indiatimes.com
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burntwingzZz
Innovator
since its 11 lakh ,you should invest in short term FD 30 -40 day period and time the dates such that it gets auto renewed and if emergency occurs stop auto renew and that money will automatically get deposited in your desired account. And around a lakh in hand for immediate response and maybe salary account credit card for immediate credit card for larger amount which you can compensate from remaining FD by visiting Branch etc.
you want lower interest rates itna toh karna padenga
Apart from the global situation , Indian economy needs some fundamental reforms on the taxation side and on savings mechanism.
Currently market is suffering from past years lack of policy announcement half hearted budget and national election with no significant work has been done on the policy side and major announcements which has actually began on groundwork.
People have strong views on surcharges on ltcg and stcg and all those charges on trades etc were maybe correct .Since many new investors had popped up and playing t20 on stocks and playing with life savings. and hindenberg like hitjob could easily wipeout your savings in a jiffy.Those charges force you to be a long term investor irrespective of normal investor retail or even foreign investor .India was becoming a one two ka 4 .and what we are saying is 4 2 ka 1.
Many MF guys are sitting on 20% of cash because they know the market is frothed they will let this stupidity pass once things are truly settled and market is correctly valued .markets will correct itself.
Other thing is India is very active in Military purchases which are absolute necessity (looking at our neighbors) and overtime it will addon cost to operate and maintain .Which actually is kind of dead investment at least for common mans perspective. But a good way for nation .Look at Europe ( barring France) in UKR-Russia war .They are looking towards US .They enjoyed their profits and invested lavishly for their infra and people and sparingly on national security and lecturing the world look at their security position.
-Senior citizens /elders in nearing retirement suffered due to low salary and the way they invested they were/are still stuck in fd safe hain and hamare jamane mai fd pe 12-15 % interest milta tha state of mind and recent government is useless due to less interest rates. They need to be provided with a standard fixed flat rate FD with higher interest rate certain age group not all. They are the poeple who would not be making risky spends they would like to use they money for their retired life and money would again comeback in economy.
-Second is Mediclaim.
We should have a national policy to cover every one up till their death .But people have to pay for it which would be much less than the existing one .The amount collected would be dynamic over a larger period of time .We are a young country for next 20 odd years we generally wont surge in claims .Every a year predefined % surplus Profit or balance should be reinvested in large scale hospitals /medical colleges cutting edge equipment and loans to Pharma medical equipment companies who are in research /manufacturing .
-Large/grand hospitals would not only help local people with dedicated specialization could bring in foreign patients.
-India is the only country where lot of people want to become doctors and lack of health care facilities .We don't have a demand and supply problem .But we have policy problem .Set difficult papers to maintain quality and set threshold to get medical seats .The amount of seat should be dynamic .Every student who clears that threshold should get the seat.
-All our life our elders paid for Mediclaim /lic .when their old age came the Mediclaim came is not available or is expensive .So all the money they put in Mediclaim in younger days is Zero which is wealth erosion which absolute bad policy. They save long term wealth is to live retired life and their own Medical emergency ( so again wealth erosion)
-If we remove the medical issue that money could be used in economic activities or positive investment which would help the economy
India is aspirational in manufacturing. Infrastructure , defense ,auto ,ev usage than we should encourage them with easy loans but a continuous monitoring .And to fund them open up thematic BONDS with 8 to 9% returns for investors.
Remove that stupid 4.3m rule .We cannot sell the same cars in global markets .And a back logged inventory cannot be even exported because a much spacious/better car would be easily available for them
Auto manufactures are seating on an inventory that people wont due to feeling of high taxation /sub standard safety /not spacious /lack of decent performance .Some of the people definitely require private mobility but automobiles are expensive due to high taxes.
If you have decided to move to alternate fuels or lets say EV where is your absolute commitment or a standard defined that a car should be to cover 400-500 KMS at 80 kmps with certain amount of load (including all four passengers and luggage) according to car categories. Fast charging ( 10 to 80 or 100 %) timelines. And any new charging station that comes up has to support X amount of large vehicles and cars and the a set fast charging speed .Than we can manufacture at scale the whole infra will get ready and the possibility of investment failing would be less .This would attract private players to go large scale large volume .I would even encourage all public /private power generation companies to setup charging infra and they maintain it .No point of startups coming up and acting as middlemen and increase the pricing un necessarily .All the charging station should be on one app and payment based on upi or wallets. where you pay upfront or it auto cuts from wallet .
This would significantly reduce our expenditure and more money would be available to spend and we seriously require new cities/towns or fact of the matter improve existing villages this will not only decongest existing ones but it will also generates jobs and reduce inflationary prices on housing and all the day to day commodities available in metros /cities etc.
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The penalty is a 1% reduction in the accumulated interest based on the time period until when the FD is broken. It is not as if you are losing the principal if the FD gets auto-renewed. Depends on your risk apetite but even small finance banks have insurance with DGIC of upto 5 lakhs and thus are a relatively sage option for investments upto that amount for at least 100-200 basis points over what the big banks offer.