Today nifty
Today nifty traded in a tight range with positive bias and closed above the 5800 levels. Volume was increased in a big way compared to previous trade. Market breath was positive 34 advances and 15 declines. FII’s were net buyers 3324.59 crores. DII’s were net sellers for 1716.85 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were huge buyers we may expect an up move tomorrow. The 5840 levels would be crucial level to be watched for tomorrow trade.
Free intraday call for nifty
Buy above 5840 t1 – 5870, t2 – 5900, t3 – 5930 stop loss – 5820
Sell below 5820 t1 – 5780, t2 – 5750, t3 - 5720 stop loss – 5840
Today bank nifty
Today bank nifty traded in tight range with negative bias and closed above the 11,700 levels. Volume was increased compared to previous trade. Market breath was neutral with 6 advances and 6 declines.
Tomorrow bank nifty
The 11,500 levels would be crucial level to be watched for tomorrow. Trading with strict stop loss is advised.
Free intraday call for nifty
Buy above 11,730 t1 – 11,790, t2 – 11,850, t3 – 11,910 stop loss – 11,670
Sell below 11,670 t1 – 11,610, t2 – 11,550, t3 – 11,490 stop loss – 11,730
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Thursday, March 31, 2011
Wednesday, March 30, 2011
Today nifty
Today nifty traded in a tight range with positive bias and closed below the 5800 levels. Volume was decreased compared to previous trade. Market breath was positive with 38 advances and 12 declines. FII’s were net buyers for 739.61 crores. DII’s were net sellers for 615.34 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. However be cautious at higher levels. The 5860 would be crucial level to be watched for tomorrow trade.
Free intraday call for nifty
Buy above 5800 t1 – 5830, t2 – 5860, t3 – 5890 stop loss – 5780
Sell below 5780 t1 – 5750, t2 – 5720, t3 – 5690 stop loss – 5800
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed below the 11,800 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 11,500 levels would be crucial to be watched for tomorrow trade. Trading with strict stop loss and cautious at higher levels is advised.
Free intraday call for bank nifty
Buy above 11,790 t1 – 11,850, t2 – 11,910, t3 – 11,970 stop loss – 11,730
Sell below 11,730 t1 – 11,670, t2 – 11,610, t3 – 11,550 stop loss – 11,790
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with positive bias and closed below the 5800 levels. Volume was decreased compared to previous trade. Market breath was positive with 38 advances and 12 declines. FII’s were net buyers for 739.61 crores. DII’s were net sellers for 615.34 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. However be cautious at higher levels. The 5860 would be crucial level to be watched for tomorrow trade.
Free intraday call for nifty
Buy above 5800 t1 – 5830, t2 – 5860, t3 – 5890 stop loss – 5780
Sell below 5780 t1 – 5750, t2 – 5720, t3 – 5690 stop loss – 5800
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed below the 11,800 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 11,500 levels would be crucial to be watched for tomorrow trade. Trading with strict stop loss and cautious at higher levels is advised.
Free intraday call for bank nifty
Buy above 11,790 t1 – 11,850, t2 – 11,910, t3 – 11,970 stop loss – 11,730
Sell below 11,730 t1 – 11,670, t2 – 11,610, t3 – 11,550 stop loss – 11,790
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Tuesday, March 29, 2011
Today nifty
Today nifty traded in a tight range with positive bias and closed above the 5700 levels. Volume was increased compared to previous trade. Market breath was positive with 39 advances and 11 declines. FII’s were net buyers for 1291.54 crores. DII’s were net sellers for 474.17 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. The 5740 and 5680 levels would be crucial level to be watched for tomorrow trade. Cautious at higher levels is advised.
Free intraday call for nifty
Buy above 5740 t1 – 5770, t2 – 5800, t3 – 5830 stop loss – 5710
Sell below 5710 t1 – 5680, t2 – 5650, t3 – 5620 stop loss – 5740
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed below the 11,600 levels. Volume was increased compared to previous trade. Market breath was positive with 8 advances and 4 declines.
Tomorrow bank nifty
The 11,400 levels would be crucial level to be watched for tomorrow trade. Cautious trade is advised.
Free intraday call for bank nifty
Buy above 11,600 t1 – 11,660, t2 – 11,720, t3 – 1,780 stop loss – 11,540
Sell below 11,540 t1 – 11,480, t2 – 11,420, t3 – 11,360 stop loss – 11,600
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with positive bias and closed above the 5700 levels. Volume was increased compared to previous trade. Market breath was positive with 39 advances and 11 declines. FII’s were net buyers for 1291.54 crores. DII’s were net sellers for 474.17 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. The 5740 and 5680 levels would be crucial level to be watched for tomorrow trade. Cautious at higher levels is advised.
Free intraday call for nifty
Buy above 5740 t1 – 5770, t2 – 5800, t3 – 5830 stop loss – 5710
Sell below 5710 t1 – 5680, t2 – 5650, t3 – 5620 stop loss – 5740
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed below the 11,600 levels. Volume was increased compared to previous trade. Market breath was positive with 8 advances and 4 declines.
Tomorrow bank nifty
The 11,400 levels would be crucial level to be watched for tomorrow trade. Cautious trade is advised.
Free intraday call for bank nifty
Buy above 11,600 t1 – 11,660, t2 – 11,720, t3 – 1,780 stop loss – 11,540
Sell below 11,540 t1 – 11,480, t2 – 11,420, t3 – 11,360 stop loss – 11,600
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Get Richer by avoiding this Money Mistake
Mental Accounting is one such money mistake even smart people are committing. Understanding this mistake and avoiding this could make us richer.
Behavioral Finance experts say that mental accounting works this way: Let us say you have bought a Rs.200 ticket to a movie. When you show up at the entrance of the theatre and realize you have lost your ticket, do you buy another ticket?
If you are like most people, you would probably think twice. You may still drop down the money, but you will now feel that you paid Rs.400 for a Rs.200 movie.
But let's construct the scenario differently. Let’s say you hadn’t bought the ticket yet, and you show up at the entrance to buy your ticket. Unfortunately, you realized you’ve lost Rs200 in cash since you walked from the parking place. But fortunately, you still have enough in your wallet to cover the cost of the ticket. Do you buy the ticket? Again, if you are like most people, you may feel upset about the lost money, but it probably won't affect your decision to buy the ticket. Why?
Behavioural Finance experts conducted similar experiments. They found that 46% of those who lost the ticket were willing to buy a replacement ticket. On the other side 88% of those who lost an equivalent amount of cash were willing to buy a ticket.
Both scenarios are a loss of Rs.200. However, in the second scenario you separate the loss of the Rs. 200 from the purchasing of the ticket. In the first you consider the cost of the movie as a total of Rs.400 and suffer at the high cost.
It is because of the psychological phenomenon known as mental accounting. One of the fundamental concepts in Economics says that wealth in general and money in particular, should be fungible. Fungibility, in a nutshell, means that Rs.100 in lottery winning, Rs.100 in salary and Rs.100 tax refund should have the same significance and value to you since each Rs.100 has the same purchasing power at the market. But do you treat them in a similar way?
Mental accounting has enormous consequences in your daily life. It affects how you spend money and how you save. It influences how you deal with losses and windfall gains.
How Does Mental Accounting Affect You?
1) The source of the money affects how it is spent.
You tend to dine lavishly with the “gift meal vouchers” given by your company. But you will be dining consciously if you are paying out of your salary.
You are most likely to spend more with credit cards than with cash.
You may consider Tax refund as“free money”. In actual terms it is your own money. You will not spend tax refunds, birthday gift money or lottery winnings on essential things like utility bills, school fees, paying off your credit card debt. But you will be more than happy to spend the same money on discretionary items such as vacations or a trendy mobile phone.
2) Don’t be a victim of ‘Relative cost’.
Assume you are going to a super market to buy a laptop. The price is Rs.40000. But you get to know that there is another branch of the supermarket, a ten minutes walk away, in which the same laptop is sold for Rs.39950. Will you walk down to the other branch?
Let us say instead of buying a laptop you have planned to buy a memory card. The price at the supermarket is Rs.100 and at the other branch is Rs.50. Where will you buy the card?
Most of us will make a trip to the other branch for the memory card but not for the laptop. Because we think that the Rs.50 saved on a Rs.100 item is better than the same amount saved on a Rs.40000 item.
But both the situation is same. You save Rs.50 by making 10 minutes walk to the other branch.
Remember that money is money. Rs.50 saved on Rs.40000 laptop is not less money than Rs. 50 saved on Rs.100 memory card.
How to face Mental Accounting and spend consciously?
• You can use mental accounting to your advantage by spending money out of your salary. Immediately invest the “free money” like Tax refunds, gifted money or any other windfall gains.
• Imagine that all income is earned income.
• Use the free meal vouchers and other gift vouchers to buy essential items.
• Pretend you don’t have a credit card. I am not telling you not to use credit cards. I am saying you should stop and think: would I buy this if I was using cash?
A Successful Practical Strategy:
You can have two bank accounts. One for the purpose of savings and the other one for spending.
Every month you need to set aside some amount for expenses as per your budget or previous experience. That amount you need to transfer to your spending account. Balance amount you need to keep it in savings account.
You need to meet all your expenses including your credit card payment from the spending account. You should not spend from your savings account.
In between, if you receive any cash gifts or windfall gains, deposit them in your savings account. If you receive gift vouchers, then transfer the money equivalent of that voucher from your spending account to your saving account. That is your spending limit will not go up by just receiving the gift voucher. So that you will not use it lavishly and use it only on pre-planned things.
When it comes to money your mind unconsciously plays this trick of mental accounting. You have understood that today. So hereafter, you can avoid this mistake and you become richer day by day.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Mental Accounting is one such money mistake even smart people are committing. Understanding this mistake and avoiding this could make us richer.
Behavioral Finance experts say that mental accounting works this way: Let us say you have bought a Rs.200 ticket to a movie. When you show up at the entrance of the theatre and realize you have lost your ticket, do you buy another ticket?
If you are like most people, you would probably think twice. You may still drop down the money, but you will now feel that you paid Rs.400 for a Rs.200 movie.
But let's construct the scenario differently. Let’s say you hadn’t bought the ticket yet, and you show up at the entrance to buy your ticket. Unfortunately, you realized you’ve lost Rs200 in cash since you walked from the parking place. But fortunately, you still have enough in your wallet to cover the cost of the ticket. Do you buy the ticket? Again, if you are like most people, you may feel upset about the lost money, but it probably won't affect your decision to buy the ticket. Why?
Behavioural Finance experts conducted similar experiments. They found that 46% of those who lost the ticket were willing to buy a replacement ticket. On the other side 88% of those who lost an equivalent amount of cash were willing to buy a ticket.
Both scenarios are a loss of Rs.200. However, in the second scenario you separate the loss of the Rs. 200 from the purchasing of the ticket. In the first you consider the cost of the movie as a total of Rs.400 and suffer at the high cost.
It is because of the psychological phenomenon known as mental accounting. One of the fundamental concepts in Economics says that wealth in general and money in particular, should be fungible. Fungibility, in a nutshell, means that Rs.100 in lottery winning, Rs.100 in salary and Rs.100 tax refund should have the same significance and value to you since each Rs.100 has the same purchasing power at the market. But do you treat them in a similar way?
Mental accounting has enormous consequences in your daily life. It affects how you spend money and how you save. It influences how you deal with losses and windfall gains.
How Does Mental Accounting Affect You?
1) The source of the money affects how it is spent.
You tend to dine lavishly with the “gift meal vouchers” given by your company. But you will be dining consciously if you are paying out of your salary.
You are most likely to spend more with credit cards than with cash.
You may consider Tax refund as“free money”. In actual terms it is your own money. You will not spend tax refunds, birthday gift money or lottery winnings on essential things like utility bills, school fees, paying off your credit card debt. But you will be more than happy to spend the same money on discretionary items such as vacations or a trendy mobile phone.
2) Don’t be a victim of ‘Relative cost’.
Assume you are going to a super market to buy a laptop. The price is Rs.40000. But you get to know that there is another branch of the supermarket, a ten minutes walk away, in which the same laptop is sold for Rs.39950. Will you walk down to the other branch?
Let us say instead of buying a laptop you have planned to buy a memory card. The price at the supermarket is Rs.100 and at the other branch is Rs.50. Where will you buy the card?
Most of us will make a trip to the other branch for the memory card but not for the laptop. Because we think that the Rs.50 saved on a Rs.100 item is better than the same amount saved on a Rs.40000 item.
But both the situation is same. You save Rs.50 by making 10 minutes walk to the other branch.
Remember that money is money. Rs.50 saved on Rs.40000 laptop is not less money than Rs. 50 saved on Rs.100 memory card.
How to face Mental Accounting and spend consciously?
• You can use mental accounting to your advantage by spending money out of your salary. Immediately invest the “free money” like Tax refunds, gifted money or any other windfall gains.
• Imagine that all income is earned income.
• Use the free meal vouchers and other gift vouchers to buy essential items.
• Pretend you don’t have a credit card. I am not telling you not to use credit cards. I am saying you should stop and think: would I buy this if I was using cash?
A Successful Practical Strategy:
You can have two bank accounts. One for the purpose of savings and the other one for spending.
Every month you need to set aside some amount for expenses as per your budget or previous experience. That amount you need to transfer to your spending account. Balance amount you need to keep it in savings account.
You need to meet all your expenses including your credit card payment from the spending account. You should not spend from your savings account.
In between, if you receive any cash gifts or windfall gains, deposit them in your savings account. If you receive gift vouchers, then transfer the money equivalent of that voucher from your spending account to your saving account. That is your spending limit will not go up by just receiving the gift voucher. So that you will not use it lavishly and use it only on pre-planned things.
When it comes to money your mind unconsciously plays this trick of mental accounting. You have understood that today. So hereafter, you can avoid this mistake and you become richer day by day.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Monday, March 28, 2011
Today nifty
Today nifty traded in a tight range with positive bias and closed below the 5700 levels. Volume remained as same as previous trade. Market breath was positive with 32 advances and 18 declines. FII’s were net buyers for 890.01 crores. DII’s were net sellers for 286.52 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move however for past five trading sessions nifty had advanced without correction and also there is a gap, so cautious trade is advised for tomorrow.
Free intraday call for nifty
Buy above 5680 t1 – 5710, t2 – 5740, t3 – 5770 stop loss – 5660
Sell below 5660 t1 – 5630, t2 – 5600, t3 – 5570 stop loss – 5680
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed above the 11,500 levels. Volume remain as same as previous trade. Market breath was positive with 11 advances and 1 decline.
Tomorrow bank nifty
The 11,400 levels would be crucial level to be watched for tomorrow trade. Cautious trade is advised at higher levels.
Free intraday call for bank nifty
Buy above 11,560 t1 – 11,620, t2 – 11,680, t3 – 11,740 stop loss – 11,500
Sell below 11,500 t1 – 11,440, t2 – 11,380, t3 – 11,320 stop loss – 11560
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with positive bias and closed below the 5700 levels. Volume remained as same as previous trade. Market breath was positive with 32 advances and 18 declines. FII’s were net buyers for 890.01 crores. DII’s were net sellers for 286.52 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move however for past five trading sessions nifty had advanced without correction and also there is a gap, so cautious trade is advised for tomorrow.
Free intraday call for nifty
Buy above 5680 t1 – 5710, t2 – 5740, t3 – 5770 stop loss – 5660
Sell below 5660 t1 – 5630, t2 – 5600, t3 – 5570 stop loss – 5680
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed above the 11,500 levels. Volume remain as same as previous trade. Market breath was positive with 11 advances and 1 decline.
Tomorrow bank nifty
The 11,400 levels would be crucial level to be watched for tomorrow trade. Cautious trade is advised at higher levels.
Free intraday call for bank nifty
Buy above 11,560 t1 – 11,620, t2 – 11,680, t3 – 11,740 stop loss – 11,500
Sell below 11,500 t1 – 11,440, t2 – 11,380, t3 – 11,320 stop loss – 11560
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Sunday, March 27, 2011
Is lack of time making you go crazy in your attempt to plan your finance?
Does your busy professional schedule offer you time to monitor your personal finance?
Balaji is working for an MNC. Today he has got a deadline for a particular assignment. His day is fully packed. First thing in the morning, he receives a mail from his HR Dept stating that today is the last date for producing proofs for tax saving investments; otherwise a huge amount will be deducted from his salary as tax. He wanted to do some tax saving investments urgently and submit the proof on or before end of the day.
Mahesh is an NRI, working for a software company in US. He has got a couple of crores in his overseas fixed deposits giving a return of 1.50% p.a. Returns are taxable. At times, he thinks that the return what he getting is very low. He wanted to check up with a professional financial planner in India. He thinks he will contact as soon as his present project gets completed. Like this he has not contacted any financial consultant for the last 3years because of some reason or the other.
Most of the investment decisions are either taken because of some compulsion or urgency or postponed because of compulsion or urgency in some other area of life. This is because we want to complete the urgent thing first not the most important thing. Many important things that contribute to our overall financial objectives and give richness don’t tend to give any pressure on us. Though they may not be urgent, they are the things that we must give importance and carry out immediately.
We act upon things like pressing problems, deadline-driven projects, and official meetings. We don’t give importance to
• prepare for a meeting with a financial planner; appraising a financial planner before making investments
• planning activities like budgeting, children’s future planning, retirement planning;
• protective activities like taking a term insurance, house holder policy, health insurance;
• empowering ourselves by upgrading our knowledge with reference to investments
Why we are not able spend time on important things and spend most of our time on urgent things? Because, we are following a way that focuses on how fast or efficiently we are getting things done. We are not following a way that focuses on why we are doing things.
Take the case of Mr.Balaji. Why didn’t he do his tax planning during the beginning of the financial year itself? Why is he chasing at the last minute? Balaji is much worried about his deadline for assignment than tax planning. As he is making investment urgently, it is difficult for him to choose the right financial advisor and also difficult to judge which one would be the best tax saving option for him. He will be investing with an advisor who can get the investment proof on the same day.
Is this the basis on which we select an investment advisor? Will the relationship of Mahesh and this advisor be a long term one? Will this investment is going to be of any help to Balaji in meeting the higher education expenses of his son after 15 years?
Coming to the case of Mr. Mahesh, he had couple of crores at 1.5% pre-tax return. He could have tripled his returns by investing in an Indian liquid fund which is very safe. There are far better investment options available for him to choose. But he has settled for 1.5%.
If he could have spent a day or two in carefully choosing the right financial advisor and investment product he could have earned more. The earning opportunity which he missed with his investments might equal to his 6 months or 1 year salary.
He could have generated that passive income equivalent to 6 month or 1 year salary without any pressure from the top management; without meeting any deadlines by just spending a day or two.
We are all working hard for money. Is our hard earned money is working for us or lying in our SB a/c or really growing?
We find a ladder and see there are so many people trying to reach the top of the ladder faster. Then we also follow the group, deadlines to be met in each and every step; focusing more on reaching the top and finally reached the top. Only after reaching the top, we realize that we have come to a very wrong place or a place which is not worth missing so many things and opportunities in life. This is how the today’s world is.
Nothing wrong in working harder or focusing more on completing the assignment or spending more time on finishing the project on deadline. These are all good thing to do. But always remember, there are better and best things to do. We keep too many good things ahead of a few best things.
Setting up financial goals; working out a plan for achieving those goals; and implementing those plans are all best things to do in life. You know in advance where you want to reach exactly, by doing this exercise. As we progress, we enjoy the journey. As we reach the place, we really feel happy and we have not missed any important thing on the way.
Procrastination and not giving priority to financial goals and investment plans are costliest mistake one can take. So let us stop procrastinating and give priority to our financial goal setting and investment planning. Then life will be really so beautiful.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Does your busy professional schedule offer you time to monitor your personal finance?
Balaji is working for an MNC. Today he has got a deadline for a particular assignment. His day is fully packed. First thing in the morning, he receives a mail from his HR Dept stating that today is the last date for producing proofs for tax saving investments; otherwise a huge amount will be deducted from his salary as tax. He wanted to do some tax saving investments urgently and submit the proof on or before end of the day.
Mahesh is an NRI, working for a software company in US. He has got a couple of crores in his overseas fixed deposits giving a return of 1.50% p.a. Returns are taxable. At times, he thinks that the return what he getting is very low. He wanted to check up with a professional financial planner in India. He thinks he will contact as soon as his present project gets completed. Like this he has not contacted any financial consultant for the last 3years because of some reason or the other.
Most of the investment decisions are either taken because of some compulsion or urgency or postponed because of compulsion or urgency in some other area of life. This is because we want to complete the urgent thing first not the most important thing. Many important things that contribute to our overall financial objectives and give richness don’t tend to give any pressure on us. Though they may not be urgent, they are the things that we must give importance and carry out immediately.
We act upon things like pressing problems, deadline-driven projects, and official meetings. We don’t give importance to
• prepare for a meeting with a financial planner; appraising a financial planner before making investments
• planning activities like budgeting, children’s future planning, retirement planning;
• protective activities like taking a term insurance, house holder policy, health insurance;
• empowering ourselves by upgrading our knowledge with reference to investments
Why we are not able spend time on important things and spend most of our time on urgent things? Because, we are following a way that focuses on how fast or efficiently we are getting things done. We are not following a way that focuses on why we are doing things.
Take the case of Mr.Balaji. Why didn’t he do his tax planning during the beginning of the financial year itself? Why is he chasing at the last minute? Balaji is much worried about his deadline for assignment than tax planning. As he is making investment urgently, it is difficult for him to choose the right financial advisor and also difficult to judge which one would be the best tax saving option for him. He will be investing with an advisor who can get the investment proof on the same day.
Is this the basis on which we select an investment advisor? Will the relationship of Mahesh and this advisor be a long term one? Will this investment is going to be of any help to Balaji in meeting the higher education expenses of his son after 15 years?
Coming to the case of Mr. Mahesh, he had couple of crores at 1.5% pre-tax return. He could have tripled his returns by investing in an Indian liquid fund which is very safe. There are far better investment options available for him to choose. But he has settled for 1.5%.
If he could have spent a day or two in carefully choosing the right financial advisor and investment product he could have earned more. The earning opportunity which he missed with his investments might equal to his 6 months or 1 year salary.
He could have generated that passive income equivalent to 6 month or 1 year salary without any pressure from the top management; without meeting any deadlines by just spending a day or two.
We are all working hard for money. Is our hard earned money is working for us or lying in our SB a/c or really growing?
We find a ladder and see there are so many people trying to reach the top of the ladder faster. Then we also follow the group, deadlines to be met in each and every step; focusing more on reaching the top and finally reached the top. Only after reaching the top, we realize that we have come to a very wrong place or a place which is not worth missing so many things and opportunities in life. This is how the today’s world is.
Nothing wrong in working harder or focusing more on completing the assignment or spending more time on finishing the project on deadline. These are all good thing to do. But always remember, there are better and best things to do. We keep too many good things ahead of a few best things.
Setting up financial goals; working out a plan for achieving those goals; and implementing those plans are all best things to do in life. You know in advance where you want to reach exactly, by doing this exercise. As we progress, we enjoy the journey. As we reach the place, we really feel happy and we have not missed any important thing on the way.
Procrastination and not giving priority to financial goals and investment plans are costliest mistake one can take. So let us stop procrastinating and give priority to our financial goal setting and investment planning. Then life will be really so beautiful.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Saturday, March 26, 2011
Monday nifty view
Global cues would lead the market on Monday. As FII’s were net buyers on Friday we may expect an up move on Monday. The 5540 levels would be crucial level to be watched for Monday trade.
Free nifty intraday calls
Buy above 5660, t1 – 5690, t2 – 5720, t3 – 5750 stop loss – 5640
Sell below 5640 t1 – 5610, t2 – 5580, t3 – 5550 stop loss – 5660
Monday bank nifty view
As bank nifty had gaped up for two consecutive trading sessions we should be careful at higher levels. The 11,180 would be crucial level to be watched for Monday trade and 11,440 would be strong resistant.
Free bank nifty intraday calls
Buy above 11,400 t1 – 11,460, t2 – 11,520, t3 – 11,580 stop loss – 11,360
Sell below 11,360 t1 – 11,300, t2 – 11,240, t3 – 11,180 stop loss – 11,400
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Global cues would lead the market on Monday. As FII’s were net buyers on Friday we may expect an up move on Monday. The 5540 levels would be crucial level to be watched for Monday trade.
Free nifty intraday calls
Buy above 5660, t1 – 5690, t2 – 5720, t3 – 5750 stop loss – 5640
Sell below 5640 t1 – 5610, t2 – 5580, t3 – 5550 stop loss – 5660
Monday bank nifty view
As bank nifty had gaped up for two consecutive trading sessions we should be careful at higher levels. The 11,180 would be crucial level to be watched for Monday trade and 11,440 would be strong resistant.
Free bank nifty intraday calls
Buy above 11,400 t1 – 11,460, t2 – 11,520, t3 – 11,580 stop loss – 11,360
Sell below 11,360 t1 – 11,300, t2 – 11,240, t3 – 11,180 stop loss – 11,400
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Friday, March 25, 2011
8 Investment Myths To Be Avoided
Today I am going to debunk a few investment myths. You will know ‘why individual investors are failing miserably and how you can avoid being one of them’.
I am too young to plan for retirement
Have you started planning for your retirement? You may be saying ‘who me? I am too young to be thinking about retirement”. It is not so! Rethink. You should have started thinking about it yesterday. Because time flies quickly.
If you were smart, and planned for retirement when you are young, your retirement years will be really those “Golden years”. If not you need to compromise and you need to work longer and retire later than others.
East or west FDs are safe and best
Nothing wrong in investing in FDs. FDs are really safe and it gives us fixed return. But there is no meaning in investing all your money in FD. The post tax return of an FD will hardly beat inflation. If your investments are not beating inflation, then your money is losing its purchasing power. FDs are safe but not always the best option.
I can never be as good as Warren Buffet or Rakesh Jhunjhunwala so why try?
In the words of Warren Buffet “Success in investing doesn’t correlate with IQ once you’re above the level of 125. Once you have ordinary intelligence, what you need is the temperament to control the urges that get other people into trouble in investing.” You don’t need a super brain for making investment decisions. You only need common sense and discipline. If you don’t have enough time and expertise, then you can get assistance from professional financial planners.
Stock markets can earn me quick bucks
This is a common myth among investors. Stock market will reward the long term investors. Stock market is a system which transfers money from investors who are fearful and greedy to the investors who are balanced and rational.
You need to be calm, patient, disciplined, and rational. You don’t have to be smarter than the rest; you have to be more disciplined than the rest.
Timing the market is important
Investors often spend a lot of their time in trying to identify when the market is very low or high, and timing the purchase and sale of investments accordingly.
In other words, they want to time their exit when the market has reached its top and to time their entry when the market has reached a bottom. This not a practical idea because there are so many influencing factors to the stock market. Predicting all the factors and making investments is practically not possible. Instead of that stagger your investments through SIP, STP and stay invested for long term.
There is no such thing as too much diversification
Diversification is needed. A well diversified portfolio can be created with 10 stocks or 3 mutual funds. Having more than 20 stocks or 6 mutual funds can dilute your returns. The reason is you are not only investing in best stocks and funds, you are investing in above average and average stocks and funds. So your returns will come down. Instead of over diversification, you need to concentrate on a few stocks. It is possible to achieve the required diversification with a few stocks or funds.
The best way to make money is investing in what is hot
If you are investing in what is hot, then you are following the crowd. If you follow the crowd, you will get what others are getting. You will not get anything more. You need to be fearful when others are greedy and you need to be greedy when others are fearful. So don’t go by the market trend or the hot pick of the month. Think like a contrarian and follow value investing.
Saving tax is the only objective for me to Invest
Which group you are in? There is a group of people who invest just to save taxes. They will not bother to invest anything more than that. They will meet their objective of saving tax. There is another group which invests to save tax as well as to save for their other life goals like retirement, children’s future. They will meet the objective of saving tax and achieving other life goals. Kindly check you belong to which group.
You can be an assured successful investor if you could avoid these investment myths.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Today I am going to debunk a few investment myths. You will know ‘why individual investors are failing miserably and how you can avoid being one of them’.
I am too young to plan for retirement
Have you started planning for your retirement? You may be saying ‘who me? I am too young to be thinking about retirement”. It is not so! Rethink. You should have started thinking about it yesterday. Because time flies quickly.
If you were smart, and planned for retirement when you are young, your retirement years will be really those “Golden years”. If not you need to compromise and you need to work longer and retire later than others.
East or west FDs are safe and best
Nothing wrong in investing in FDs. FDs are really safe and it gives us fixed return. But there is no meaning in investing all your money in FD. The post tax return of an FD will hardly beat inflation. If your investments are not beating inflation, then your money is losing its purchasing power. FDs are safe but not always the best option.
I can never be as good as Warren Buffet or Rakesh Jhunjhunwala so why try?
In the words of Warren Buffet “Success in investing doesn’t correlate with IQ once you’re above the level of 125. Once you have ordinary intelligence, what you need is the temperament to control the urges that get other people into trouble in investing.” You don’t need a super brain for making investment decisions. You only need common sense and discipline. If you don’t have enough time and expertise, then you can get assistance from professional financial planners.
Stock markets can earn me quick bucks
This is a common myth among investors. Stock market will reward the long term investors. Stock market is a system which transfers money from investors who are fearful and greedy to the investors who are balanced and rational.
You need to be calm, patient, disciplined, and rational. You don’t have to be smarter than the rest; you have to be more disciplined than the rest.
Timing the market is important
Investors often spend a lot of their time in trying to identify when the market is very low or high, and timing the purchase and sale of investments accordingly.
In other words, they want to time their exit when the market has reached its top and to time their entry when the market has reached a bottom. This not a practical idea because there are so many influencing factors to the stock market. Predicting all the factors and making investments is practically not possible. Instead of that stagger your investments through SIP, STP and stay invested for long term.
There is no such thing as too much diversification
Diversification is needed. A well diversified portfolio can be created with 10 stocks or 3 mutual funds. Having more than 20 stocks or 6 mutual funds can dilute your returns. The reason is you are not only investing in best stocks and funds, you are investing in above average and average stocks and funds. So your returns will come down. Instead of over diversification, you need to concentrate on a few stocks. It is possible to achieve the required diversification with a few stocks or funds.
The best way to make money is investing in what is hot
If you are investing in what is hot, then you are following the crowd. If you follow the crowd, you will get what others are getting. You will not get anything more. You need to be fearful when others are greedy and you need to be greedy when others are fearful. So don’t go by the market trend or the hot pick of the month. Think like a contrarian and follow value investing.
Saving tax is the only objective for me to Invest
Which group you are in? There is a group of people who invest just to save taxes. They will not bother to invest anything more than that. They will meet their objective of saving tax. There is another group which invests to save tax as well as to save for their other life goals like retirement, children’s future. They will meet the objective of saving tax and achieving other life goals. Kindly check you belong to which group.
You can be an assured successful investor if you could avoid these investment myths.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Today nifty
Today nifty traded in a rather wide range with positive bias and closed above the crucial 5640 levels. Volume was increased compared to previous trade. Market breath was positive with 47 advances and 3 declines. FII’s were net buyers for 1446.18 crores. DII’s were net sellers for 313.77 crores.
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed just below the 11,400 levels. Volume was increased compared to previous trade. Market breath was positive with 12 advances.
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a rather wide range with positive bias and closed above the crucial 5640 levels. Volume was increased compared to previous trade. Market breath was positive with 47 advances and 3 declines. FII’s were net buyers for 1446.18 crores. DII’s were net sellers for 313.77 crores.
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed just below the 11,400 levels. Volume was increased compared to previous trade. Market breath was positive with 12 advances.
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Thursday, March 24, 2011
Portfolio Management Scheme: A unique investment opportunity
What is Portfolio Management Scheme?
Portfolio management scheme popularly known as PMS are specialized investment vehicle for lump sum investments. The portfolio manager invests the money in shares and other securities and manages the portfolio on behalf of the client.
One can invest fresh money in Portfolio Management Scheme and the portfolio manager will construct a portfolio by deploying that money. Also one can transfer his existing share portfolio to the Portfolio Management Scheme provider. In that case, the portfolio manager will revamp the portfolio in sync with his investment philosophy and strategy.
Once the Portfolio Management Scheme account is opened, the client will be given with a web access to his portfolio. The client can look at where the portfolio manager is investing client’s money. Also one will be able to generate reports like Investment Summary, Portfolio Transaction List, Performance Analysis, Portfolio Statement and Quarterly capital gain report.
As a result, Portfolio Management Scheme relieves investors from all the administrative hassles of investments.
Portfolio Management Scheme Vs Direct Stock Market investment:
One can directly invest in stock market. Then what is the advantage of investing in the stock market through a Portfolio Management Scheme. Investing in share market demands knowledge, right mindset, time, and continuous monitoring. It is difficult for an individual investor to meet all these demands. But a Portfolio Management Scheme meets these demands easily. The Portfolio Management Scheme will be managed by an experienced professional. It saves the time and effort of the individual investors. Hence it is advisable to outsource the stock market investment to a sound Portfolio Management Scheme operator instead of managing it on our own.
Portfolio Management Scheme VS Mutual Funds:
Mutual fund is also a good investment vehicle. It should also form part of your total equity investment. But mutual funds are mass products. So they will be conservative by nature. As per SEBI regulation, mutual funds have some investment restrictions. There is a maximum limit on the percentage of amount invested in an individual stock. Also there is some maximum cap on the exposure in a particular sector.
Once the fund manager reaches the maximum limit prescribed by SEBI, he is forced to invest in some other stock or some other sector. That is why we see a large number of stocks in a mutual fund portfolio. Where as a Portfolio Management Scheme will invest in 15 to 20 stocks. This concentration makes it more attractive and aggressive. Managing a 25 lakhs Portfolio Management Scheme portfolio will be more flexible when compared to managing a 2000 crores mutual fund portfolio.
Portfolio Management Schemes relatively have more flexibility to move in and out of cash as and when required depending on the stock market outlook.
Basically the conservative portion of your equity investment can go into mutual funds. The aggressive portion can go into Portfolio Management Scheme.
How to choose a best Portfolio Management Scheme?
There are so many Portfolio Management Schemes in the industry. So it is really very difficult to choose a good Portfolio Management Scheme provider. Here are some factors to be considered before choosing a Portfolio Management Scheme.
1) Yardstick for Performance:
One should not just go by the past performance alone. Making an analysis on various Portfolio Management Schemes in the industry with their past performance along with the risk adjusted return and the consistency of performance will be useful in selecting the best Portfolio Management Scheme.
2) Minimum Investment Criteria:
Investors need to avoid Portfolio Management Schemes where the minimum investment is less than 25 lacs. Even there are Portfolio Management Scheme operators who keep minimum investment for their schemes as low as 5 lacs. But these kinds of Portfolio Management Scheme operators will have more number of PMS accounts. When the quantity (the number of PMS A\cs) goes up the quality (the performance) may relatively come down.
Therefore it is better to choose a Portfolio Management Scheme where the minimum investment is 25 lacs or more. So that our PMS A\c will be directly handled and managed by the top level portfolio manager and not managed by the juniors and analysts. If you are planning to invest less than 25 lacs, then the ideal investment product for you would be mutual funds.
3) Conflict of interest:
Portfolio Management Schemes have been run by some stock broking companies as well as investment management companies. There is a conflict of interest in Portfolio Management Schemes run by share broking companies. The main business of a share broking company is to earn commission income by facilitating the share market transactions.
Portfolio Management Scheme is an additional business for them. It is not their core business. Hence there may not be enough focus on the Portfolio Management Scheme business. Also they may indulge in doing undue and unnecessary churning of the clients’ portfolio to earn more commission income. This will cause additional expenses and short term capital gain tax to the client.
The core business of investment management companies is managing the investments of their clients to earn management fees. So, with the Portfolio Management Schemes run by investment management companies, there is no conflict of interest or vested interest. Therefore it is always advisable to choose a Portfolio Management Scheme offered by investment management companies.
4) Role of Professional Financial Planners:
A professional financial advisor or financial planner will study and analyse the Portfolio Management Schemes run by various stock broking companies as well as investment management companies. If we approach them, they will guide us in choosing the right Portfolio Management Scheme depending upon our requirements and other factors.
Also a professional financial advisor will continuously monitor the performance of various Portfolio Management Schemes and advice the client on a regular basis on the performance of the Portfolio Management Scheme where the client has invested vis a vis the other PMS schemes in the industry. After a certain period, if necessary he may advice you to move from one Portfolio Management Scheme operator to the other.
ESOPs and Portfolio Management Scheme:
ESOPs are provided by the companies to its employees based on their service. Most of the employees are of the opinion of keeping the ESOPs as it is forever because it is their company shares. But logically it is too riskier to invest in a company to whom you work for. Because, your employment income as well as investment income will depend on the performance of a single company.
So it is not advisable to keep your investments in a company where you actually work. So it is at all times advisable to transfer your ESOPs to a Portfolio Management Scheme. They will revamp it to construct a well diversified portfolio.
Portfolio Management Scheme is an aggressive investment product and really suitable for those investors
• Who have a share portfolio and find it difficult to manage.
• Who have enough exposure in Mutual funds and looking for a different and good investment option
• Who have sizable ESOPs.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
What is Portfolio Management Scheme?
Portfolio management scheme popularly known as PMS are specialized investment vehicle for lump sum investments. The portfolio manager invests the money in shares and other securities and manages the portfolio on behalf of the client.
One can invest fresh money in Portfolio Management Scheme and the portfolio manager will construct a portfolio by deploying that money. Also one can transfer his existing share portfolio to the Portfolio Management Scheme provider. In that case, the portfolio manager will revamp the portfolio in sync with his investment philosophy and strategy.
Once the Portfolio Management Scheme account is opened, the client will be given with a web access to his portfolio. The client can look at where the portfolio manager is investing client’s money. Also one will be able to generate reports like Investment Summary, Portfolio Transaction List, Performance Analysis, Portfolio Statement and Quarterly capital gain report.
As a result, Portfolio Management Scheme relieves investors from all the administrative hassles of investments.
Portfolio Management Scheme Vs Direct Stock Market investment:
One can directly invest in stock market. Then what is the advantage of investing in the stock market through a Portfolio Management Scheme. Investing in share market demands knowledge, right mindset, time, and continuous monitoring. It is difficult for an individual investor to meet all these demands. But a Portfolio Management Scheme meets these demands easily. The Portfolio Management Scheme will be managed by an experienced professional. It saves the time and effort of the individual investors. Hence it is advisable to outsource the stock market investment to a sound Portfolio Management Scheme operator instead of managing it on our own.
Portfolio Management Scheme VS Mutual Funds:
Mutual fund is also a good investment vehicle. It should also form part of your total equity investment. But mutual funds are mass products. So they will be conservative by nature. As per SEBI regulation, mutual funds have some investment restrictions. There is a maximum limit on the percentage of amount invested in an individual stock. Also there is some maximum cap on the exposure in a particular sector.
Once the fund manager reaches the maximum limit prescribed by SEBI, he is forced to invest in some other stock or some other sector. That is why we see a large number of stocks in a mutual fund portfolio. Where as a Portfolio Management Scheme will invest in 15 to 20 stocks. This concentration makes it more attractive and aggressive. Managing a 25 lakhs Portfolio Management Scheme portfolio will be more flexible when compared to managing a 2000 crores mutual fund portfolio.
Portfolio Management Schemes relatively have more flexibility to move in and out of cash as and when required depending on the stock market outlook.
Basically the conservative portion of your equity investment can go into mutual funds. The aggressive portion can go into Portfolio Management Scheme.
How to choose a best Portfolio Management Scheme?
There are so many Portfolio Management Schemes in the industry. So it is really very difficult to choose a good Portfolio Management Scheme provider. Here are some factors to be considered before choosing a Portfolio Management Scheme.
1) Yardstick for Performance:
One should not just go by the past performance alone. Making an analysis on various Portfolio Management Schemes in the industry with their past performance along with the risk adjusted return and the consistency of performance will be useful in selecting the best Portfolio Management Scheme.
2) Minimum Investment Criteria:
Investors need to avoid Portfolio Management Schemes where the minimum investment is less than 25 lacs. Even there are Portfolio Management Scheme operators who keep minimum investment for their schemes as low as 5 lacs. But these kinds of Portfolio Management Scheme operators will have more number of PMS accounts. When the quantity (the number of PMS A\cs) goes up the quality (the performance) may relatively come down.
Therefore it is better to choose a Portfolio Management Scheme where the minimum investment is 25 lacs or more. So that our PMS A\c will be directly handled and managed by the top level portfolio manager and not managed by the juniors and analysts. If you are planning to invest less than 25 lacs, then the ideal investment product for you would be mutual funds.
3) Conflict of interest:
Portfolio Management Schemes have been run by some stock broking companies as well as investment management companies. There is a conflict of interest in Portfolio Management Schemes run by share broking companies. The main business of a share broking company is to earn commission income by facilitating the share market transactions.
Portfolio Management Scheme is an additional business for them. It is not their core business. Hence there may not be enough focus on the Portfolio Management Scheme business. Also they may indulge in doing undue and unnecessary churning of the clients’ portfolio to earn more commission income. This will cause additional expenses and short term capital gain tax to the client.
The core business of investment management companies is managing the investments of their clients to earn management fees. So, with the Portfolio Management Schemes run by investment management companies, there is no conflict of interest or vested interest. Therefore it is always advisable to choose a Portfolio Management Scheme offered by investment management companies.
4) Role of Professional Financial Planners:
A professional financial advisor or financial planner will study and analyse the Portfolio Management Schemes run by various stock broking companies as well as investment management companies. If we approach them, they will guide us in choosing the right Portfolio Management Scheme depending upon our requirements and other factors.
Also a professional financial advisor will continuously monitor the performance of various Portfolio Management Schemes and advice the client on a regular basis on the performance of the Portfolio Management Scheme where the client has invested vis a vis the other PMS schemes in the industry. After a certain period, if necessary he may advice you to move from one Portfolio Management Scheme operator to the other.
ESOPs and Portfolio Management Scheme:
ESOPs are provided by the companies to its employees based on their service. Most of the employees are of the opinion of keeping the ESOPs as it is forever because it is their company shares. But logically it is too riskier to invest in a company to whom you work for. Because, your employment income as well as investment income will depend on the performance of a single company.
So it is not advisable to keep your investments in a company where you actually work. So it is at all times advisable to transfer your ESOPs to a Portfolio Management Scheme. They will revamp it to construct a well diversified portfolio.
Portfolio Management Scheme is an aggressive investment product and really suitable for those investors
• Who have a share portfolio and find it difficult to manage.
• Who have enough exposure in Mutual funds and looking for a different and good investment option
• Who have sizable ESOPs.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Today nifty
Today nifty traded in a tight range with positive bias and closed above the 5500 levels. Volume was decreased compared to previous trade. Market breath was positive with 34 advances and 16 declines. FII’s were net buyers for 307.82 crores. DII’s were net buyers for 378.12 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5480 would be crucial levels to be watched.
Free nifty intraday calls
Buy above 5530 t1 – 5560, t2 – 5590, t3 – 5620 stop loss – 5510
Sell below 5510 t1 – 5480, t2 – 5450, t3 – 5420 stop loss – 5530
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed above the 11,000 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 10,900 would be crucial levels to be watched for tomorrow trade. Trading with strict stop loss was advised.
Free bank nifty intraday calls
Buy above 11,100 t1 – 11,160, t2 – 11,220, t3 – 11,280 stop loss – 11,040
Sell below 11,040 t1 – 10,980, t2 – 10,920, t3 – 10,860 stop loss - 11,100
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with positive bias and closed above the 5500 levels. Volume was decreased compared to previous trade. Market breath was positive with 34 advances and 16 declines. FII’s were net buyers for 307.82 crores. DII’s were net buyers for 378.12 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5480 would be crucial levels to be watched.
Free nifty intraday calls
Buy above 5530 t1 – 5560, t2 – 5590, t3 – 5620 stop loss – 5510
Sell below 5510 t1 – 5480, t2 – 5450, t3 – 5420 stop loss – 5530
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed above the 11,000 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 10,900 would be crucial levels to be watched for tomorrow trade. Trading with strict stop loss was advised.
Free bank nifty intraday calls
Buy above 11,100 t1 – 11,160, t2 – 11,220, t3 – 11,280 stop loss – 11,040
Sell below 11,040 t1 – 10,980, t2 – 10,920, t3 – 10,860 stop loss - 11,100
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Mutual Funds Mythbuster:
Rahul is working for a mutual fund house. They have recently came out with an NFO (new fund offer). The day on which the fund house announced its maiden NAV (net asset value), he received lot of calls from investors asking why the NAV is at below par. They thought something was wrong.
Then Rahul went on clarifying them that though both an equity fund and a stock extend market-related returns, there are some key differences between the two. If you have similar misconceptions about equity funds and stocks, this article will demystify all those misconceptions.
New Fund Offerings:
A new fund offer is not likely to generate amazing returns as can be the case with an initial public offering from a company.
This is because the NAV reflects the market value of the stocks held by the fund on any day. Because a fund holds several stocks in its portfolio, the NAV can only reflect the combined returns on the portfolio between the NFO date and the date of first NAV.
The first NAV declared by a fund can, at times, be lower than the par value of investment. A lower NAV does not mean a cheaper fund: Just because a New Fund is issued at Rs 10, it does not mean it has a chance of giving better returns than an existing fund that has a higher NAV.
Whether the scheme in which you are planning to invest has an NAV of Rs.15 or Rs.150 does not matter at all.
There is a difference between the price of a listed security and the NAV of a mutual fund scheme. Listed security has a price, determined by the demand and supply of the security. Whereas the unit's NAV of the scheme has a value determined mathematically, by the prices of the securities in the portfolio. If the portfolio appreciates by 10% Rs.15 NAV will become RS.16.5 and Rs.150 AV will become Rs.165. So in whatever the NAV you invest your investment will fetch you 10% return.
So instead of concentrating on LOW NAV and more number of units, it is worthwhile to consider other factors (performance track record, fund management, volatility) that determine the portfolio return.
A fund with higher NAV may give higher returns than a lower NAV fund, if its stocks did better in the markets.
Funds Vs Stocks
Point of distinction Equity Fund Stocks
Level of Risk High Highest
Entry/Exit cost No Entry Load; But there will be Exit load. Advisory fee may be applicable. Demat a\c and Brokerage charges
Options Options available like dividend payout, dividend reinvestment, growth. No such options
Minimum Investment Min investment is usually Rs.5000. Even one share can be bought.
Measuring Performance Returns Vs Benchmark Net Profit margins/EPS
Sub-division Classified based on stocks in which it invests. (Diversified, Midcap, sectoral, thematic) Classified as per the industry in which it operates.(FMCG, IT, PSU, METAL)
Pricing Based on the price of the underlying securities Based on the demand and supply of the particular stock
Dividends are not extra returns:
Immediately, after the dividend payment of dividend the NAV of the fund will fall to the extent of the dividend payment. Let us illustrate.
Fund’s cum dividend NAV is Rs.25. Proposed dividend is 50%. You are investing Rs.1 Lac and you will not get Rs.50000 as dividend. It is only Rs.20000 (50% on the face value Rs.10 is Rs.5 per unit) as the unit price is Rs.25 you will get 4000 units. Rs.5 dividend * 4000 units=Rs.20000.
And this dividend is not an additional gain or income. After payment of dividend the NAV of the scheme will fall to the extent of the payment and distribution taxes (if applicable). Now your nav will become Rs.20 and your investment value will be Rs.80000 (4000 units * Rs.20 NAV).
In a nutshell,
Investment amount Rs.1,00,000
Dividend amount Rs. 20,000
Present Value Rs. 80,000
It is nothing but investing Rs.80000 after dividend distribution at NAV Rs.20.
So investing in a scheme because it is declaring dividend in the near future is meaningless.
Usually a company with a liberal dividend policy may enjoy greater investor interest in the stock market. The same is not applicable to an equity-oriented mutual fund.
Investing more number of funds is not actual diversification. It may reduce your return.
Owning several mutual funds doesn’t necessarily broaden your holdings. It will be a mistake to buy the same securities over and over again in different funds with different names. You tend to believe they're diversified. But it is not real diversification.
There are only very few funds which are performing consistently. Instead of investing in few funds, if someone chooses to invest in more number of funds (because he intends to diversify) he may be forced to choose some average performing schemes also. As a result his returns will be diluted. The step taken by the investor to diversify his investment is not leading to diversification but to dilution of return.
Thus ideally your portfolio should not have more than four-five funds.
NO tax for churning:
When we buy shares and sell them within a year we are accountable for short term capital gain tax at the rate of 15%.
But mutual funds provide the benefit of churning of stocks with no tax implications. A fund which churns its portfolio within a year is exempt from tax because it only redistributes these profits to investors.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Rahul is working for a mutual fund house. They have recently came out with an NFO (new fund offer). The day on which the fund house announced its maiden NAV (net asset value), he received lot of calls from investors asking why the NAV is at below par. They thought something was wrong.
Then Rahul went on clarifying them that though both an equity fund and a stock extend market-related returns, there are some key differences between the two. If you have similar misconceptions about equity funds and stocks, this article will demystify all those misconceptions.
New Fund Offerings:
A new fund offer is not likely to generate amazing returns as can be the case with an initial public offering from a company.
This is because the NAV reflects the market value of the stocks held by the fund on any day. Because a fund holds several stocks in its portfolio, the NAV can only reflect the combined returns on the portfolio between the NFO date and the date of first NAV.
The first NAV declared by a fund can, at times, be lower than the par value of investment. A lower NAV does not mean a cheaper fund: Just because a New Fund is issued at Rs 10, it does not mean it has a chance of giving better returns than an existing fund that has a higher NAV.
Whether the scheme in which you are planning to invest has an NAV of Rs.15 or Rs.150 does not matter at all.
There is a difference between the price of a listed security and the NAV of a mutual fund scheme. Listed security has a price, determined by the demand and supply of the security. Whereas the unit's NAV of the scheme has a value determined mathematically, by the prices of the securities in the portfolio. If the portfolio appreciates by 10% Rs.15 NAV will become RS.16.5 and Rs.150 AV will become Rs.165. So in whatever the NAV you invest your investment will fetch you 10% return.
So instead of concentrating on LOW NAV and more number of units, it is worthwhile to consider other factors (performance track record, fund management, volatility) that determine the portfolio return.
A fund with higher NAV may give higher returns than a lower NAV fund, if its stocks did better in the markets.
Funds Vs Stocks
Point of distinction Equity Fund Stocks
Level of Risk High Highest
Entry/Exit cost No Entry Load; But there will be Exit load. Advisory fee may be applicable. Demat a\c and Brokerage charges
Options Options available like dividend payout, dividend reinvestment, growth. No such options
Minimum Investment Min investment is usually Rs.5000. Even one share can be bought.
Measuring Performance Returns Vs Benchmark Net Profit margins/EPS
Sub-division Classified based on stocks in which it invests. (Diversified, Midcap, sectoral, thematic) Classified as per the industry in which it operates.(FMCG, IT, PSU, METAL)
Pricing Based on the price of the underlying securities Based on the demand and supply of the particular stock
Dividends are not extra returns:
Immediately, after the dividend payment of dividend the NAV of the fund will fall to the extent of the dividend payment. Let us illustrate.
Fund’s cum dividend NAV is Rs.25. Proposed dividend is 50%. You are investing Rs.1 Lac and you will not get Rs.50000 as dividend. It is only Rs.20000 (50% on the face value Rs.10 is Rs.5 per unit) as the unit price is Rs.25 you will get 4000 units. Rs.5 dividend * 4000 units=Rs.20000.
And this dividend is not an additional gain or income. After payment of dividend the NAV of the scheme will fall to the extent of the payment and distribution taxes (if applicable). Now your nav will become Rs.20 and your investment value will be Rs.80000 (4000 units * Rs.20 NAV).
In a nutshell,
Investment amount Rs.1,00,000
Dividend amount Rs. 20,000
Present Value Rs. 80,000
It is nothing but investing Rs.80000 after dividend distribution at NAV Rs.20.
So investing in a scheme because it is declaring dividend in the near future is meaningless.
Usually a company with a liberal dividend policy may enjoy greater investor interest in the stock market. The same is not applicable to an equity-oriented mutual fund.
Investing more number of funds is not actual diversification. It may reduce your return.
Owning several mutual funds doesn’t necessarily broaden your holdings. It will be a mistake to buy the same securities over and over again in different funds with different names. You tend to believe they're diversified. But it is not real diversification.
There are only very few funds which are performing consistently. Instead of investing in few funds, if someone chooses to invest in more number of funds (because he intends to diversify) he may be forced to choose some average performing schemes also. As a result his returns will be diluted. The step taken by the investor to diversify his investment is not leading to diversification but to dilution of return.
Thus ideally your portfolio should not have more than four-five funds.
NO tax for churning:
When we buy shares and sell them within a year we are accountable for short term capital gain tax at the rate of 15%.
But mutual funds provide the benefit of churning of stocks with no tax implications. A fund which churns its portfolio within a year is exempt from tax because it only redistributes these profits to investors.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Wednesday, March 23, 2011
How to create a workable budget that gives you money and life?
"Modern man drives a mortgaged car over a bond-financed highway on credit-card petrol."
Taking control of your cash inflow and outflow is the base for financial planning. Budgeting is important to gain control over your financial life, be prepared and avoid surprises, save for a major purchase, get out of debt and stay out of debt, expand your lifestyle, and to retire early.
Thiruvalluvar, a much celebrated Tamil poet emphasizes budgeting through his following lines:
Incomings may be scant; but yet, no failure there,
If in expenditure you rightly learn to spare. (Kural: 478)
Who prosperous lives and of enjoyment knows no bound,
His seeming wealth, departing, nowhere shall be found. (Kural: 479)
Most of us hesitate to make a budget because we think it is about cutting all the fun in life. Budgeting is not about cutting all the fun; it is about conscious allocation of funds. Once we start spending consciously, our mind will find out a whole new way of having fun within the budget.
Making Budget: A step by step guide
There is a saying, “God is in the details”. Detail every bit of your financials while creating a budget.
1) Check your financial statements:
It could be your utility bills, d’mat account statement, other investment receipts, ITR, Form 16A, Form 16, bank statement, credit card statement etc. The idea is to make out the monthly average of income and expenses. Therefore the more details you can get the more relevant and accurate will the budget be.
2) Listing out income from all sources:
It is very easy for us to list down the income from employment or self employment. Normally we will lose track of income from investments, rental income and other miscellaneous income. Also check is there any annual income. Don’t forget to record the incomes received by way of cash equivalents like meal voucher and credit card reward points.
3) Finding out your total expenses:
We can easily list down the major expenses. But listing out the miscellaneous and petty expenses would be difficult. This is where the collected financial statements would help. Don’t forget the annual expenses like car insurance and property tax. Once you have recorded all the expenses then split them into fixed expenses and variable expenses. This classification will provide much more clarity.
Most people are surprised to learn that it may go for things that we do not need at all. Writing your expenditures down provides us with the unique opportunity to visualize and find out if any money goes for things that we do not need or want.
4) Are you saving or over spending?
Now you have your total income as well as total expenses. Deduct the total expenses from the total income. You will know whether you are saving some money or doing over spending. If you are saving some money channelize that money into the priority areas such as clearing your credit card outstanding or any other loan to become debt free or retirement savings or children’s future plan. If you are on over spending, then you need to make some adjustments to expenses.
5) Review your spending pattern:
On your expenses list, pay close attention to the variable expenses. This is where you can cut short a few expenses.
Every month we need to keep aside appropriate amount for the proportionate annual expenses.
You can find out the reasons for over spending. Most of the cases it would be emotional buying or unplanned shopping. Once you have pointed out the reasons for overspending, then find out the steps or precautions to be taken to rectify the same.
6) Are you on the track? Check monthly:
Every month set aside an hour to compare the actual expenses with the budgeted expenses. If there is a negative deviation, find out the measures to control them.
Why your earlier budgeting attempts failed?
Budgeting is not a onetime activity. It is a continuous process. Normally we start budgeting with a genuine motive. But after a few months it may get off-tracked like our attempts on dieting or exercising. Therefore one needs to understand the behavioural aspects of budgeting.
1) Positive Approach:
Never focus on the negative aspects. Focus on the benefits of successful budgeting. What will you accomplish by creating a budget? It could be becoming debt free, some money for vacation, planning for retirement or children’s future.
2) Keep your enthusiasm alive:
Budgeting may over a period of time become routine and hence boring. Set a few short term goals like trying to repay the personal loan in 18 months instead of 36 months. If you achieve it reward yourself. Recognition could be a good motivating factor. Inform all your family members, friends and well wishers about your progress on budgeting. You can also join in some of the forums related to money management.
3) Have a realistic expectation:
One needs to keep realistic expectation on the outcome of the budget. Over expectation may demotivate you. Budgeting is not a magic. It is an art like singing and dancing. You will be able to progress it only over a period of time with constant practice.
If you have not done budgeting for yourself and family so far, then now is the right time to take action. The fact that you are reading this article shows you have decided to stop procrastinating, and have answered the ancient question, “If not now, when?” with “NOW!”.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
"Modern man drives a mortgaged car over a bond-financed highway on credit-card petrol."
Taking control of your cash inflow and outflow is the base for financial planning. Budgeting is important to gain control over your financial life, be prepared and avoid surprises, save for a major purchase, get out of debt and stay out of debt, expand your lifestyle, and to retire early.
Thiruvalluvar, a much celebrated Tamil poet emphasizes budgeting through his following lines:
Incomings may be scant; but yet, no failure there,
If in expenditure you rightly learn to spare. (Kural: 478)
Who prosperous lives and of enjoyment knows no bound,
His seeming wealth, departing, nowhere shall be found. (Kural: 479)
Most of us hesitate to make a budget because we think it is about cutting all the fun in life. Budgeting is not about cutting all the fun; it is about conscious allocation of funds. Once we start spending consciously, our mind will find out a whole new way of having fun within the budget.
Making Budget: A step by step guide
There is a saying, “God is in the details”. Detail every bit of your financials while creating a budget.
1) Check your financial statements:
It could be your utility bills, d’mat account statement, other investment receipts, ITR, Form 16A, Form 16, bank statement, credit card statement etc. The idea is to make out the monthly average of income and expenses. Therefore the more details you can get the more relevant and accurate will the budget be.
2) Listing out income from all sources:
It is very easy for us to list down the income from employment or self employment. Normally we will lose track of income from investments, rental income and other miscellaneous income. Also check is there any annual income. Don’t forget to record the incomes received by way of cash equivalents like meal voucher and credit card reward points.
3) Finding out your total expenses:
We can easily list down the major expenses. But listing out the miscellaneous and petty expenses would be difficult. This is where the collected financial statements would help. Don’t forget the annual expenses like car insurance and property tax. Once you have recorded all the expenses then split them into fixed expenses and variable expenses. This classification will provide much more clarity.
Most people are surprised to learn that it may go for things that we do not need at all. Writing your expenditures down provides us with the unique opportunity to visualize and find out if any money goes for things that we do not need or want.
4) Are you saving or over spending?
Now you have your total income as well as total expenses. Deduct the total expenses from the total income. You will know whether you are saving some money or doing over spending. If you are saving some money channelize that money into the priority areas such as clearing your credit card outstanding or any other loan to become debt free or retirement savings or children’s future plan. If you are on over spending, then you need to make some adjustments to expenses.
5) Review your spending pattern:
On your expenses list, pay close attention to the variable expenses. This is where you can cut short a few expenses.
Every month we need to keep aside appropriate amount for the proportionate annual expenses.
You can find out the reasons for over spending. Most of the cases it would be emotional buying or unplanned shopping. Once you have pointed out the reasons for overspending, then find out the steps or precautions to be taken to rectify the same.
6) Are you on the track? Check monthly:
Every month set aside an hour to compare the actual expenses with the budgeted expenses. If there is a negative deviation, find out the measures to control them.
Why your earlier budgeting attempts failed?
Budgeting is not a onetime activity. It is a continuous process. Normally we start budgeting with a genuine motive. But after a few months it may get off-tracked like our attempts on dieting or exercising. Therefore one needs to understand the behavioural aspects of budgeting.
1) Positive Approach:
Never focus on the negative aspects. Focus on the benefits of successful budgeting. What will you accomplish by creating a budget? It could be becoming debt free, some money for vacation, planning for retirement or children’s future.
2) Keep your enthusiasm alive:
Budgeting may over a period of time become routine and hence boring. Set a few short term goals like trying to repay the personal loan in 18 months instead of 36 months. If you achieve it reward yourself. Recognition could be a good motivating factor. Inform all your family members, friends and well wishers about your progress on budgeting. You can also join in some of the forums related to money management.
3) Have a realistic expectation:
One needs to keep realistic expectation on the outcome of the budget. Over expectation may demotivate you. Budgeting is not a magic. It is an art like singing and dancing. You will be able to progress it only over a period of time with constant practice.
If you have not done budgeting for yourself and family so far, then now is the right time to take action. The fact that you are reading this article shows you have decided to stop procrastinating, and have answered the ancient question, “If not now, when?” with “NOW!”.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.
Friday, March 18, 2011
Today nifty
Today nifty traded in a wide range with negative bias and closed below the crucial 5400 levels. Volume remained as same as previous trade. Market breath was negative with 3 advances and 46 declines. FII’s were net sellers for 523.51 crores. DII’s were net buyers for 296.3 crores.
Today bank nifty
Today bank nifty traded in wide range with negative bias and closed below the crucial 10,730 levels. Volume remained as same as previous day. Market breath was negative with 12 declines.
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a wide range with negative bias and closed below the crucial 5400 levels. Volume remained as same as previous trade. Market breath was negative with 3 advances and 46 declines. FII’s were net sellers for 523.51 crores. DII’s were net buyers for 296.3 crores.
Today bank nifty
Today bank nifty traded in wide range with negative bias and closed below the crucial 10,730 levels. Volume remained as same as previous day. Market breath was negative with 12 declines.
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Thursday, March 17, 2011
Today nifty
Today nifty traded in a tight range with negative bias and closed above the 5400 levels. Volume remain as same as previous trade. Market breath was negative with 15 advances and 35 declines. FII’s were net sellers for 1128.61 crores. DII’s were buyers for 432.07 crores.
Tomorrow nifty
Global cues would lead the nifty tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5460 t1 – 5490, t2 – 5520, t3 – 5550 stop loss – 5440
Sell below 5440 t1 – 5410, t2 – 5380, t3 – 5350 stop loss – 5460
Today bank nifty
Today bank nifty traded in a tight range with negative bias and closed below the 10,900 levels. Volume remained as same as previous day. Market breath was 2 advances and 10 declines.
Tomorrow bank nifty
The 10,730 would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free intraday call for bank nifty
Buy above 10,900 t1 – 10,960 t1 – 11,020, t2 – 11,080, t3 – 11,140 stop loss – 10,840
Sell below 10,840 t1 – 10,780, t2 – 10,720, t3 – 10,640 stop loss – 10,900
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with negative bias and closed above the 5400 levels. Volume remain as same as previous trade. Market breath was negative with 15 advances and 35 declines. FII’s were net sellers for 1128.61 crores. DII’s were buyers for 432.07 crores.
Tomorrow nifty
Global cues would lead the nifty tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5460 t1 – 5490, t2 – 5520, t3 – 5550 stop loss – 5440
Sell below 5440 t1 – 5410, t2 – 5380, t3 – 5350 stop loss – 5460
Today bank nifty
Today bank nifty traded in a tight range with negative bias and closed below the 10,900 levels. Volume remained as same as previous day. Market breath was 2 advances and 10 declines.
Tomorrow bank nifty
The 10,730 would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free intraday call for bank nifty
Buy above 10,900 t1 – 10,960 t1 – 11,020, t2 – 11,080, t3 – 11,140 stop loss – 10,840
Sell below 10,840 t1 – 10,780, t2 – 10,720, t3 – 10,640 stop loss – 10,900
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Wednesday, March 16, 2011
Today nifty
Today nifty traded in a tight range with positive bias and closed just above the 5500 levels. Volume was decreased compared to previous trade. Market breath was positive with 42 advances and 6 declines. FII’s were net sellers for 134.52 crores. DII’s were net buyers for 326.72 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5520 t1 – 5550, t2 – 5580, t3 – 5610 stop loss – 5500
Sell below 5500 t1 – 5470, t2 – 5440, t3 – 5410 stop loss – 5520
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed above the 10,900 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 10,900 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free intraday calls for bank nifty
Buy above 11,000 t1 – 11,060, t2 – 11,120, t3 – 11,180 stop loss – 10,940
Sell below 10,940 t1 – 10,880, t2 – 10,820, t3 – 10,760 stop loss – 11,000
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with positive bias and closed just above the 5500 levels. Volume was decreased compared to previous trade. Market breath was positive with 42 advances and 6 declines. FII’s were net sellers for 134.52 crores. DII’s were net buyers for 326.72 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5520 t1 – 5550, t2 – 5580, t3 – 5610 stop loss – 5500
Sell below 5500 t1 – 5470, t2 – 5440, t3 – 5410 stop loss – 5520
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed above the 10,900 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 10,900 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free intraday calls for bank nifty
Buy above 11,000 t1 – 11,060, t2 – 11,120, t3 – 11,180 stop loss – 10,940
Sell below 10,940 t1 – 10,880, t2 – 10,820, t3 – 10,760 stop loss – 11,000
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Tuesday, March 15, 2011
Today nifty
Today nifty traded in tight range with positive bias and closed above the 5400 levels. Volume was increased compared to previous trade. Market breath was negative with 6 advances and 43 declines. FII’s were net buyers for 148.28 crores. DII’s were net buyers for 567.1 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5480 t1 – 5510, t2 – 5540, t3 – 5570 stop loss – 5460
Sell below 5460 t1 – 5430, t2 – 5400, t3 – 5370 stop loss – 5480
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed below the crucial 10,730 levels. Volume was increased compared to previous trade. Market breathe was negative with 1 advances and 11 declines.
Tomorrow bank nifty
The next major support exists at 10,400 levels, we should be careful at higher levels. Trading with strict stop loss is advised.
Free intraday calls for bank nifty
Buy above 10,760 t1 – 10,820, t2 – 10,880, t3 – 10,940 stop loss – 10,700
Sell below 10,700 t1 – 10,640, t2 – 10,580, t3 – 10,520 stop loss – 10,760
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in tight range with positive bias and closed above the 5400 levels. Volume was increased compared to previous trade. Market breath was negative with 6 advances and 43 declines. FII’s were net buyers for 148.28 crores. DII’s were net buyers for 567.1 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5480 t1 – 5510, t2 – 5540, t3 – 5570 stop loss – 5460
Sell below 5460 t1 – 5430, t2 – 5400, t3 – 5370 stop loss – 5480
Today bank nifty
Today bank nifty traded in a tight range with positive bias and closed below the crucial 10,730 levels. Volume was increased compared to previous trade. Market breathe was negative with 1 advances and 11 declines.
Tomorrow bank nifty
The next major support exists at 10,400 levels, we should be careful at higher levels. Trading with strict stop loss is advised.
Free intraday calls for bank nifty
Buy above 10,760 t1 – 10,820, t2 – 10,880, t3 – 10,940 stop loss – 10,700
Sell below 10,700 t1 – 10,640, t2 – 10,580, t3 – 10,520 stop loss – 10,760
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES
• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Monday, March 14, 2011
Today nifty
Today nifty traded in a wide range with positive bias and closed above the 5500 levels. Volume was low compared to previous trade. Market breath was positive with 46 advances and 4 declines. FII’s were net buyers for 414.35 crores. DII’s were net buyers for 7.65 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty tomorrow
Buy above 5550 t1 – 5580, t2 – 5610, t3 – 5640 stop loss – 5530
Sell below 5530 t1 – 5500, t2 – 5470, t3 – 5440, stop loss – 5550
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed just below the 10,900 levels. Volume was low compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised
Free intraday calls for bank nifty tomorrow
Buy above 10,900 t1 – 10,960, t2 – 11,020, t3 – 11,080, stop loss – 10,900
Sell below 10,900 t1 – 10,840, t2 – 10,780, t3 – 10,720 stop loss – 10,960
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a wide range with positive bias and closed above the 5500 levels. Volume was low compared to previous trade. Market breath was positive with 46 advances and 4 declines. FII’s were net buyers for 414.35 crores. DII’s were net buyers for 7.65 crores.
Tomorrow nifty
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty tomorrow
Buy above 5550 t1 – 5580, t2 – 5610, t3 – 5640 stop loss – 5530
Sell below 5530 t1 – 5500, t2 – 5470, t3 – 5440, stop loss – 5550
Today bank nifty
Today bank nifty traded in a wide range with positive bias and closed just below the 10,900 levels. Volume was low compared to previous trade. Market breath was positive with 12 advances.
Tomorrow bank nifty
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised
Free intraday calls for bank nifty tomorrow
Buy above 10,900 t1 – 10,960, t2 – 11,020, t3 – 11,080, stop loss – 10,900
Sell below 10,900 t1 – 10,840, t2 – 10,780, t3 – 10,720 stop loss – 10,960
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Friday, March 11, 2011
For myriad reasons I could not update yesterday. Sorry..!
Monday view for nifty.
Global cues would lead the market on Monday. As FII’s were net sellers on Friday we should be careful at higher levels. The 5400 levels would be crucial levels to be watched for Monday trade. Trading with strict stop loss is advised.
Free intraday calls for Monday.
Buy above 5460 t1 – 5490, t2 – 5520, t3 – 5550 stop loss – 5440
Sell below 5440 t1 – 5410, t2 – 5380, t3 – 5350 stop loss – 5460
Monday view for bank nifty.
The 10,730 would be crucial level to be watched for Monday trade. Trading with strict stop loss is advised.
Free intraday calls for bank nifty.
Buy above 10,760 t1 – 10,820, t2 – 10,880, t3 – 10,940 stop loss – 10,700
Sell below 10,700 t1 – 10,640, t2 – 10,580, t3 – 10,520 stop loss – 10,760
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Monday view for nifty.
Global cues would lead the market on Monday. As FII’s were net sellers on Friday we should be careful at higher levels. The 5400 levels would be crucial levels to be watched for Monday trade. Trading with strict stop loss is advised.
Free intraday calls for Monday.
Buy above 5460 t1 – 5490, t2 – 5520, t3 – 5550 stop loss – 5440
Sell below 5440 t1 – 5410, t2 – 5380, t3 – 5350 stop loss – 5460
Monday view for bank nifty.
The 10,730 would be crucial level to be watched for Monday trade. Trading with strict stop loss is advised.
Free intraday calls for bank nifty.
Buy above 10,760 t1 – 10,820, t2 – 10,880, t3 – 10,940 stop loss – 10,700
Sell below 10,700 t1 – 10,640, t2 – 10,580, t3 – 10,520 stop loss – 10,760
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Thursday, March 10, 2011
Today nifty.
Today nifty traded in a tight range with negative bias and closed below the 5500 levels. Volume was decreased compared to previous trade. Market breath was negative with 19 advances and 30 declines. FII’s were net sellers for 97019 crores. DII’s were net buyers for 108.98 crores.
Tomorrow nifty.
Global cues would lead the market tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5500 t1 – 5540, t2 – 5570, t3 – 5600 stop loss – 5480
Sell below 5480 t1 – 5450, t2 – 5420, t3 – 5390 stop loss – 5500
Today bank nifty.
Today bank nifty traded in a tight range with negative bias and closed below the 10,900 levels. The volume was decreased compared to previous trade. Market breath was negative with 3 advances and 9 declines.
Tomorrow bank nifty.
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free intraday calls for bank nifty.
Buy above 10,900 t1 – 10,960, t2 – 11,020, t3 – 11,080 stop loss – 10,840
Sell below 10,840 t1 – 10,780, t2 – 10,720, t3 – 10,660 stop loss – 10,900
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with negative bias and closed below the 5500 levels. Volume was decreased compared to previous trade. Market breath was negative with 19 advances and 30 declines. FII’s were net sellers for 97019 crores. DII’s were net buyers for 108.98 crores.
Tomorrow nifty.
Global cues would lead the market tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial level to be watched for tomorrow trade.
Free intraday calls for nifty
Buy above 5500 t1 – 5540, t2 – 5570, t3 – 5600 stop loss – 5480
Sell below 5480 t1 – 5450, t2 – 5420, t3 – 5390 stop loss – 5500
Today bank nifty.
Today bank nifty traded in a tight range with negative bias and closed below the 10,900 levels. The volume was decreased compared to previous trade. Market breath was negative with 3 advances and 9 declines.
Tomorrow bank nifty.
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free intraday calls for bank nifty.
Buy above 10,900 t1 – 10,960, t2 – 11,020, t3 – 11,080 stop loss – 10,840
Sell below 10,840 t1 – 10,780, t2 – 10,720, t3 – 10,660 stop loss – 10,900
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Wednesday, March 9, 2011
Today nifty.
Today nifty traded in a tight range with negative bias and closed above the 5500 levels. Volume was increased compared to previous trade. Market breath was rather neutral with 26 advances and 24 declines. FII’s were net buyers for 131.17 crores. DII’s were net buyers for 112.99 crores.
Tomorrow nifty.
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 would be crucial level to be watched for tomorrow trade.
Free intraday technical calls for nifty.
Buy above 5550 T1 – 5580, T2 – 5610, T3 – 5640 stop loss – 5530
Sell below 5530 T1 – 5500, T2 – 5470, T3 – 5440 stop loss - 5550
Today bank nifty.
Today bank nifty traded in a tight range with rather negative bias and closed below the 11,000 levels. Volume was increased compared to previous trade. Market breath was neutral with 6 advances and 6 declines.
Tomorrow bank nifty.
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free Intraday technical calls for bank nifty.
Buy above 11,000 T1 – 11,060, T2 – 11,120, T3 – 11,240 stop loss – 10,940
Sell below 10,940 T1 – 10,880, T2 – 10,820, T3 – 10,760 stop loss – 11,000
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with negative bias and closed above the 5500 levels. Volume was increased compared to previous trade. Market breath was rather neutral with 26 advances and 24 declines. FII’s were net buyers for 131.17 crores. DII’s were net buyers for 112.99 crores.
Tomorrow nifty.
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 would be crucial level to be watched for tomorrow trade.
Free intraday technical calls for nifty.
Buy above 5550 T1 – 5580, T2 – 5610, T3 – 5640 stop loss – 5530
Sell below 5530 T1 – 5500, T2 – 5470, T3 – 5440 stop loss - 5550
Today bank nifty.
Today bank nifty traded in a tight range with rather negative bias and closed below the 11,000 levels. Volume was increased compared to previous trade. Market breath was neutral with 6 advances and 6 declines.
Tomorrow bank nifty.
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
Free Intraday technical calls for bank nifty.
Buy above 11,000 T1 – 11,060, T2 – 11,120, T3 – 11,240 stop loss – 10,940
Sell below 10,940 T1 – 10,880, T2 – 10,820, T3 – 10,760 stop loss – 11,000
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Tuesday, March 8, 2011
NIFTY TODAY
Today nifty traded in a rather wide range with positive bias and closed above the 5500 levels. Volume was increased compared to previous trade. Market breath was positive with 39 advances and 10 declines. FII’s were net buyers for 237.07 crores. DII’s were net sellers for 140.46 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
NIFTY TIPS
BUY ABOVE 5540 T1 – 5570, T2 – 5600, T3 – 5630 STOPLOSS – 5520
SELL BELOW 5520 T1 – 5490, T2 – 5460, T3 – 5430 STOPLOSS – 5540
BANK NIFTY TODAY
Today bank nifty traded in a wide range with positive bias and closed above the 10,900 levels. Volume was increased compared to previous trade. Market breath was positive with 12 advances!
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,960 T1 – 11,020, T2 – 11,080, T3 – 11,140 STOPLOSS – 10,900
SELL BELOW 10,900 T1 – 10,840, T2 – 10,780, T3 – 10,720 STOPLOSS – 10,960
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a rather wide range with positive bias and closed above the 5500 levels. Volume was increased compared to previous trade. Market breath was positive with 39 advances and 10 declines. FII’s were net buyers for 237.07 crores. DII’s were net sellers for 140.46 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
NIFTY TIPS
BUY ABOVE 5540 T1 – 5570, T2 – 5600, T3 – 5630 STOPLOSS – 5520
SELL BELOW 5520 T1 – 5490, T2 – 5460, T3 – 5430 STOPLOSS – 5540
BANK NIFTY TODAY
Today bank nifty traded in a wide range with positive bias and closed above the 10,900 levels. Volume was increased compared to previous trade. Market breath was positive with 12 advances!
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,960 T1 – 11,020, T2 – 11,080, T3 – 11,140 STOPLOSS – 10,900
SELL BELOW 10,900 T1 – 10,840, T2 – 10,780, T3 – 10,720 STOPLOSS – 10,960
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Monday, March 7, 2011
NIFTY TODAY
Today nifty traded in a tight range with negative bias and closed below the 5500 levels. Volume was low compared to previous trade. Market breath was negative with 9 advances and 41 declines. FII’s were net 92.24 crores. DII’s were net buyers for 45.57 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial levels to be watched for tomorrow trade.
NFITY TIPS
BUY ABOVE 5480 T1 – 5510, T2 – 5540, T3 – 5570 STOPLOSS – 5460
SELL BELOW 5460 T1 – 5430, T2 – 5400, T3 – 5370 STOPLOSS – 5480
BANK NIFTY TODAY
Today bank nifty traded in a tight range with negative bias and closed below the 10,800 levels. Volume was decreased compared to previous trade. Market breath was negative with 1 advance and 11 declines.
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABVOE 10,800 T1 – 10,860, T2 – 10,920, T3 – 10,980 STOPLOSS – 10,740
SELL BELOW 10,740 T1 – 10,680, T2 – 10,620, T3 – 10,560 STOPLOSS – 10,800
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with negative bias and closed below the 5500 levels. Volume was low compared to previous trade. Market breath was negative with 9 advances and 41 declines. FII’s were net 92.24 crores. DII’s were net buyers for 45.57 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net sellers we should be careful at higher levels. The 5400 levels would be crucial levels to be watched for tomorrow trade.
NFITY TIPS
BUY ABOVE 5480 T1 – 5510, T2 – 5540, T3 – 5570 STOPLOSS – 5460
SELL BELOW 5460 T1 – 5430, T2 – 5400, T3 – 5370 STOPLOSS – 5480
BANK NIFTY TODAY
Today bank nifty traded in a tight range with negative bias and closed below the 10,800 levels. Volume was decreased compared to previous trade. Market breath was negative with 1 advance and 11 declines.
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABVOE 10,800 T1 – 10,860, T2 – 10,920, T3 – 10,980 STOPLOSS – 10,740
SELL BELOW 10,740 T1 – 10,680, T2 – 10,620, T3 – 10,560 STOPLOSS – 10,800
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Friday, March 4, 2011
NIFTY ON MONDAY
Global cues would lead the market on Monday. As FII’s were net buyers on Friday we may expect an up move on Monday. Technically the 5400 levels would be crucial support levels to be watched for Monday trade.
NIFTY TIPS
BUY ABOVE 5550 T1 – 5580, T2 – 5610, T3 – 5640 STOPLOSS – 5530
SELL BELOW 5530 T1 – 5500, T2 – 5470, T3 – 5440 STOPLOSS – 5550
BANK NIFTY ON MONDAY
The 10,730 levels is the crucial support to be watched for Monday trade. Buying above the 11,000 levels with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 11,000 T1 – 11,060, T2 – 11,120, T3 – 11,180 STOPLOSS – 10,940
SELL BELOW 10,940 T1 – 10,880, T2 – 10,820, T3 – 10,760 STOPLOSS – 11,000
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Global cues would lead the market on Monday. As FII’s were net buyers on Friday we may expect an up move on Monday. Technically the 5400 levels would be crucial support levels to be watched for Monday trade.
NIFTY TIPS
BUY ABOVE 5550 T1 – 5580, T2 – 5610, T3 – 5640 STOPLOSS – 5530
SELL BELOW 5530 T1 – 5500, T2 – 5470, T3 – 5440 STOPLOSS – 5550
BANK NIFTY ON MONDAY
The 10,730 levels is the crucial support to be watched for Monday trade. Buying above the 11,000 levels with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 11,000 T1 – 11,060, T2 – 11,120, T3 – 11,180 STOPLOSS – 10,940
SELL BELOW 10,940 T1 – 10,880, T2 – 10,820, T3 – 10,760 STOPLOSS – 11,000
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
NIFTY TODAY
Today nifty traded in a tight range with negative bias and closed above the 5500 levels. Volume was decreased compared to previous trade. Today nifty had a good support around 5540 levels. Market breath was neutral with 24 advances and 24 declines. FII’s were net buyers for 585.52 crores. DII’s were net sellers for 229.78 crores.
BANK NIFTY TODAY
Today bank nifty traded in a tight range with negative bias and closed above the 10,900 levels. Volume was decreased compared to previous trade. Market breath was positive with 8 advances and 4 declines. Today it surpassed the 11,100 levels in the morning session.
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a tight range with negative bias and closed above the 5500 levels. Volume was decreased compared to previous trade. Today nifty had a good support around 5540 levels. Market breath was neutral with 24 advances and 24 declines. FII’s were net buyers for 585.52 crores. DII’s were net sellers for 229.78 crores.
BANK NIFTY TODAY
Today bank nifty traded in a tight range with negative bias and closed above the 10,900 levels. Volume was decreased compared to previous trade. Market breath was positive with 8 advances and 4 declines. Today it surpassed the 11,100 levels in the morning session.
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Thursday, March 3, 2011
NIFTY TODAY
Today nifty traded in rather wide range with positive bias and closed above the 5500 levels. Volume was increased compared to previous trade. Market breath was positive with 27 advances and 23 declines. FII’s were net buyers for 229.02 crores. DII’s were net buyers for 95.52 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
NIFTY TIPS
BUY ABOVE 5550 T1 – 5580, T2 – 5610, T3 – 5640 STOPLOSS – 5530
SELL BELOW 5530 T1 – 5500, T2 – 5470, T3 – 5440 STOPLOSS – 5550
BANK NIFTY TODAY
Today bank nifty traded in a tight range with positive bias and closed above the 10,900 levels. Volume was increased compared to previous trade. Market breath was negative with 4 advances and 8 declines.
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,960 T1 – 11,020, T2 – 11,080, T3 – 11,140 STOPLOSS – 10,900
SELL BELOW 10,900 T1 – 10,840, T2 – 10,780, T3 – 10,720 STOPLOSS – 10,960
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in rather wide range with positive bias and closed above the 5500 levels. Volume was increased compared to previous trade. Market breath was positive with 27 advances and 23 declines. FII’s were net buyers for 229.02 crores. DII’s were net buyers for 95.52 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
NIFTY TIPS
BUY ABOVE 5550 T1 – 5580, T2 – 5610, T3 – 5640 STOPLOSS – 5530
SELL BELOW 5530 T1 – 5500, T2 – 5470, T3 – 5440 STOPLOSS – 5550
BANK NIFTY TODAY
Today bank nifty traded in a tight range with positive bias and closed above the 10,900 levels. Volume was increased compared to previous trade. Market breath was negative with 4 advances and 8 declines.
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,960 T1 – 11,020, T2 – 11,080, T3 – 11,140 STOPLOSS – 10,900
SELL BELOW 10,900 T1 – 10,840, T2 – 10,780, T3 – 10,720 STOPLOSS – 10,960
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Tuesday, March 1, 2011
NIFTY ON THURSDAY
Global cues would lead the market on Thursday. As FII’s were net buyers we may expect an up move on Thursday. The 5400 levels would be crucial level to be watched for Thursday trade.
NIFTY TIPS
BUY ABOVE 5540 T1- 5570, T2 – 5600, T3 – 5630 STOPLOSS – 5520
SELL BELOW 5520 T1 – 5390, T2 – 5360, T3 – 5330 STOPLOSS – 5540
BANK NIFTY ON THURSDAY
The 10,730 levels would be crucial level to be watched for Thursday trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,930 T1 – 10,990, T2 – 11,050, T3 – 11,110 STOPLOSS – 10,870
SELL BELOW 10,870 T1 – 10,810, T2 – 10,750, T3 – 10,690 STOPLOSS – 10,930
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Global cues would lead the market on Thursday. As FII’s were net buyers we may expect an up move on Thursday. The 5400 levels would be crucial level to be watched for Thursday trade.
NIFTY TIPS
BUY ABOVE 5540 T1- 5570, T2 – 5600, T3 – 5630 STOPLOSS – 5520
SELL BELOW 5520 T1 – 5390, T2 – 5360, T3 – 5330 STOPLOSS – 5540
BANK NIFTY ON THURSDAY
The 10,730 levels would be crucial level to be watched for Thursday trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,930 T1 – 10,990, T2 – 11,050, T3 – 11,110 STOPLOSS – 10,870
SELL BELOW 10,870 T1 – 10,810, T2 – 10,750, T3 – 10,690 STOPLOSS – 10,930
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
NIFTY TODAY
Today nifty traded in a wide range with positive bias and closed above the 5500 levels. Volume was decreased compared to previous trade. Market breath was positive with 50 advances! FII’s were net buyers for 418.51 crores. DII’s were net buyers for 95.64 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
NIFTY TIPS
BUY ABOVE 5540 T1- 5570, T2 – 5600, T3 – 5630 STOPLOSS – 5520
SELL BELOW 5520 T1 – 5390, T2 – 5360, T3 – 5330 STOPLOSS – 5540
BANK NIFTY TODAY
Today bank nifty traded in a wide range with positive bias and closed just below 10,900 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,930 T1 – 10,990, T2 – 11,050, T3 – 11,110 STOPLOSS – 10,870
SELL BELOW 10,870 T1 – 10,810, T2 – 10,750, T3 – 10,690 STOPLOSS – 10,930
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
Today nifty traded in a wide range with positive bias and closed above the 5500 levels. Volume was decreased compared to previous trade. Market breath was positive with 50 advances! FII’s were net buyers for 418.51 crores. DII’s were net buyers for 95.64 crores.
NIFTY TOMORROW
Global cues would lead the market tomorrow. As FII’s were net buyers we may expect an up move tomorrow. The 5400 levels would be crucial level to be watched for tomorrow trade.
NIFTY TIPS
BUY ABOVE 5540 T1- 5570, T2 – 5600, T3 – 5630 STOPLOSS – 5520
SELL BELOW 5520 T1 – 5390, T2 – 5360, T3 – 5330 STOPLOSS – 5540
BANK NIFTY TODAY
Today bank nifty traded in a wide range with positive bias and closed just below 10,900 levels. Volume was decreased compared to previous trade. Market breath was positive with 12 advances.
BANK NIFTY TOMORROW
The 10,730 levels would be crucial level to be watched for tomorrow trade. Trading with strict stop loss is advised.
BANK NIFTY TIPS
BUY ABOVE 10,930 T1 – 10,990, T2 – 11,050, T3 – 11,110 STOPLOSS – 10,870
SELL BELOW 10,870 T1 – 10,810, T2 – 10,750, T3 – 10,690 STOPLOSS – 10,930
SUBSCRIPTION DETAILS.
NIFTY FUTURE TIPS - 3000/= per month.
• DAILY 1 – 2 CALLS on CURRENT MONTH FUTURES• MONTHLY around 35 – 40 CALLS in 22 trading sessions
• Sometimes BANK NIFTY CALLS given
• WEEKLY market predictions & TRADING RANGE given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
STOCK TIPS - 3000/= per month.
• Daily 3 – 5 cash market calls
• Around 6 – 8 swing calls will be given per month
• Nifty daily outlook will given
• We assure 70% - 80% ACCURACY
• Good attention all the time
• Calls given through SMS.
For subscription, drop your mobile number, name & product in the comment box. For payment, I sms my bank account number.
For any queries mail me, scsudha72@gmail.com
Thanks for visiting!
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