1. How I Made 50,000 Rs In Just One Trade - I shared my secret with an example on How I Made 50,000 In Just One Trade.
2. Best Gold ETF in India - Comparing major Gold ETF’s in India to see which one is best gold ETF of India and also see why Gold ETF’s has a price difference.
3. Physical Gold Or Gold ETF – Which is Right for You? - Gold ETF or physical Gold. The positive and negative aspect of investing in each of them so you can decide which one is right for you.
4. Ask me Anything - Where my blog reader can even ask what am I doing right now at this moment, Was fun answering those questions in 2011.
5. Invest in Mutual Funds – Can Ads Substitute Entry Load? - AMFI India has came up with ads – it is wiser decision to invest whatever little you can every month in Mutual funds and why I think these Ads cannot substitute Entry load?
6. How to Calculate Support & Resistance Levels – Chart of MIC Electronics - How to Calculate Support and Resistance Levels as well as stop losses for the stock based on chart patterns taking example of MIC Electronics India limited.
7. When to Buy In Market Crashes - Answer to yet another user question that I was and is getting quite often which is when is the right time to buy in market crashes.
8. List of Stocks You Should Buy Now and Forget Forever - Very different yet effective List of Stocks that you can buy now and forget.
9. Why 4700 is Nifty Support and What to Expect From Market Ahead? -Yet another explanation of Nifty Support levels using chart patterns.
10. See How Chart Pattern Repeats by Itself - Hindalco came up with very good set of results. On major news channels, brokerage houses gave price target of 208 but see the charts of Hindalco.

Don’t hesitate to share your personal best article in comments below.

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1. Eid Mubarak 2011
2. Gold Exchange-Traded Funds (GETF)

Image Credit: MagicEye

May Allah’s blessings lead you to eternal happiness, success and peace of mind in life but don’t forget my Eidi, your never ending love.

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1. Wishing Everyone Eid Mubarak

Stop listening to people with heavy biases.

The question is how do you judge if someone is heavily biased?

According to me there are two groups of people who talk about stocks. First those who themselves invest in stock and second those who don’t invest in stock but do the research for some clients.

If you listen to the person who has not invested in stock (assuming he is not restricted to invest in those stock by some corporate governance) but just tracks it for his clients would mean he himself is not confident about his own research. In short he could make more money selling his research rather investing with that research.

If you listen to person who has invested in a stock, he could be biased towards that stock.

In equity market, most people have bias towards stock they are holding and that is one of the main reason I don’t prefer sharing stocks I hold (to the extent I can and yet remain transparent with my trades) because then it could be taken the wrong way that I am pushing people to buy my stocks.

So finally my question is – Who do you prefer as a mentor – slightly biased yet investor in stock or unbiased yet no risk taken of his own money? Share your views in comments below.

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In a savings account you get 9.25% as interest rate. Yes you heard me right – 9.25%. The catch is, you have to open an account with 50,000 as term deposit and 50,000 as your account initial deposit and you get 9.25% interest on the complete 100,000 and not only on the term deposit amount of 50,000 like other banks.

You get Visa ATM International Debit card and a cheque book to do all bank related transactions.

Barclays ATM’s are too few and far in between but you can use your Barclays card unlimited number of times for cash withdrawals at any VISA ATM’s all over India.

Apart from that you get 10% cash back for Debit card usage for first 3 months from signing up for the Barclays Sweep Deposit Account.

As I could not open my account I could not write more specifics about the account operations so if anyone knows more about the account please do share them in comments below.

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1. A good way to approach the market right now

I did the same on my Internet Marketing Blog and the response was awesome and I expect the same here.

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1. How New tax Code can Impact us?
2. 3 Factors to consider before investing
3. Technical Analysis – The Ultimate Guide to Investing
4. How to Select Best Stock to Buy Today?
5. 3 Best Tips on Systemtic Investment Plan
6. Growth or Dividend? Which Is Right For You?
7. Stock Broker’s Review
8. Why Mutual Funds Are Better Than Stocks
9. Was SEBI’s Decision on “No Entry Load” Correct?
10. New Direct Tax Code Hits Badly to Mutual Fund Investors
11. Is Insurance an Investment Option?
12. How to Find Multibagger Stocks – Secrets of Successful Traders…
13. Sharekhan PMS Review – My Experiment with 500,000 Rupees
14. PMS Review – Why PMS Cannot Live Upto Your Expectations
15. How to Trade In Market?

Once again have a Happy and Prosperous 2011.

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1. 10 Investment Tips – Best of 2009 at shabbir.in
2. What you should Learn from 2009 Before Proceeding into 2010
3. New Direct Tax Code

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1. Wishing Everyone Eid Mubarak

I am sure those who have voted for ICICIBank have no idea How Unsafe is ICICIBank Phone Banking?

Now knowing how unsafe is ICICIBank do you still think ICICI Bank stand a chance to be even nominated. Share your views.

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1. Buy ICICI Bank, SBI and Reliance Industries
2. Hold on or accumulate “ICICI Bank”
3. ICICI Bank target almost reached

Eid Mubarak.

Image Courtesy: atmgreetings.com

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Yes you heard it right. One of India’s largest bank is having such an issue. You may be wondering how?

Call ICICIBank customer care number in your city. To log-in as somebody else you need only 2 things.

1. User’s Account Number
2. Primary User’s Date Of Birth

If you issue a cheque or even do an online fund transfer, the other person knows your account number and so all he need to do is go to your online profile to find your date of birth. My FaceBook profile has my date of birth and I even checked with Orkut and they have it online too.

Now if I issue a cheque to you I risk my complete ICICIBank account. Do you think this is tolerable?

ICICIBank online facilities has always pretended to be much more secure with password grids and what not but this type of lapse is by no means tolerable.

Are you still using an ICICIBank account? If your answer is yes it is the time to think now.

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I am the new for the share marketing I am open the account for Sharekhan. I don’t know how to calculating brokerage for Sharekhan. Will you please explain how to calculating the brokerage giving me some example.

Thank you sir

As far as I know Sharekhan have a brokerage plan of 5 paise / 50 paise but if you push hard at the time of opening an account they can bring brokerage down as well but let’s assume 5 paise / 50 paise as the brokerage plan and do the calculation.

Now what does 5 paise / 50 paise mean.

It means that when you do a transaction (Buy or Sell) of 100 Rs on delivery based buying or in simple terms if you buy shares with a plan not to sell the same day you pay 50 paise as brokerage. On top of these 50 paise there will be other tax and charges which roughly makes these 50 paise close to 70 paise.

But if you square of the trade on the same day you will not be paying 50 paise but it will be 5 paise instead.

The same brokerage also applies when you sell the shares. I.e. on 100 Rs share price you pay 50 paise as brokerage.

Example

How to calculate the brokerage very fast and with no calculator?

Just add 1.5 Rs per 100 Rs to the actual share price.

Let’s say you buy Reliance Industries at 1050 Rs. (Rounded price as of now)

Now the total brokerage roughly that you will pay for buying as well as selling would be 15.75 per unit.

So the cost price will be 1050 +15.75 and so if you sell Reliance Industries at 1065.75 you will make some profit.

My broker is Motilal Oswal and My Brokerage plan is 3 paise / 30 Paise and so for this I just add 1 Re per 100 Rs to the actual share price.

I.e. 1050 + 10.5 i.e. 1060.50 will be my price where I can make some profit.

So how do you calculate your brokerage?

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1. Review of all stock brokers’

So here it is.

Try avoiding loan as much as possible.

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2. Stay Invested or Pay Back Home Loan?
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Hello Shabbir,

I need your suggetions as I am finding it difficult to decide which would be a better stratergy. I am not a trader.

I have following shares: (Are these good stocks to hold for another 2 to 3 years perspective?)

1000 Infotech enterprises ltd bought at Rs 110.
34 RIL stocks bought at Rs.1080
130 Bharti Airtel at 356 Rs.

I have a home loan: Current status:

Outstanding prinicpal: 12,00,000 Rs
Interest rate 10.5 % (Floating)
EMI: 18,300 Rs
Prinicpal component: Around 7700 Rs
Interest componet: Around 10600 RS

My question is should I sell all my shares and pay back the home loan or should I stay invested and just stick to my EMI?

Note: From my overseas assignments, I feel, I can earn and pay around 5 Lacs as lumpsum to the bank till this year end.

Please suggest me.

Regards,
Stefan

Now you have roughly cash level of 3,60,000

1000 x 280 = 280,000
34 x 1080 = 36720
130 x 320 = 41600

and so I would suggest you to offload 300k of your investment and pay back your loan. This would mean your EMI is reduced by close to 4000 Rs. Now start SIP of close to 4000 Rs in best mutual funds. Markets in 2010 is expected to be volatile and SIP would mean you have nullified the volatility to an extent. The other 500k you can pay would mean you would be almost done with the loan by the end of this year.

This is my opinion or I would say this is what I would have done and now I leave it to the users as well to provide some valuable suggestions.

Over to you guys

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I am thankful to you for contacting with me efficiently,dear sir I specially request that can you help me in calculating the fair price of a share

Now first I would like to clarify that there is nothing called fair price of stock. If something is traded at price X that is actually the fair price for that stock. I know and I have my own article on DCF Method to Calculate Fair Price of Share but remember its a method based on lots of assumption of past performance but does not take much into account future news. So there is nothing on earth which can help you calculate fair share price but yes there are many theoretical algorithms which are being used to guess the fair value of equities. Remember if the above formula suggests some value as fair market does not work that way. After all its share market which does not move on maths but on sentiments and predictions. So don’t be fooled if someone or some algorithm suggests you some number as the fair price of stocks.

So now I would like to ask if you have any fair price calculator that you use. If you use it share with us in comments below.

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Hello Mr Shabbir Bhimani ,

Thank you for your follow up mail .

As you have mentioned I have unloaded your e book and it is really worth . But the point is that Iam practising the same approach since 2004 when I started active investment in MF’s after leaving my job . I read the fund house fact sheets and investment patterns and things like that for my decisions and do it myself . Generally I don’t have much belief on the fund managers since they can leave a fund house if another offers a better option and vice versa . But good fund houses like HDFC , FT , BSL , Fidelity etc are having their own benchmark and standards set and a good fund manager has only to perform within his territory . Yes there are proven and good fund managers and their track records are good . But there are others also who do insider trading ( you might be well aware ) and are greedy and make a mess of things . There were two three cases . Since I know most of the Indian Companies basics and things like that due to my last employment nature of service and travelled the whole of India and visited major companies , my investment decisions are more easier . I also read business papers and mags .

Iam also not a greedy investor and hopes for a decent returns with capital safety . During the last 5 years with investment in almost all fund houses good schemes I have an average income of about 25 % returns taxfree and all my capital intact with moderate growth as on date . Most of the funds I have taken more than my capital as dividents and still my capital as on date is grown moderately . I have only divi payout mode .

When I have gone thru your ebook , I found I was following most of it which was written . Similar approach I take in Share market, where Iam not a regular trader but like a disciplined long time investor with safe and steady approach and there again my result is as above .

Hope the above suffice your feedback query . Your ebook is good for people like me . Thanks for your efforts .

Thanks and Regards ,

S Sethuraman

Thanks for such a wonderful and detailed review.

So whats your feedback about the eBook? Share them in comments below.

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