Shreekanth Poojary

Things to keep in mind and investing mistakes to avoid Fall and Rise is part of the equity market. Don't let the market volatility change your long-term investing plan.  Keep equity, fixed income, property, and gold separate (avoid single NAV products). Selling 15% IRR assets (equity) to invest in 9-10% IRR assets. Keep insurance and investment separate. Not creating an emergency fund.  Not focusing on liquidity & flexibility in investing. Avoid faddish investments. Exiting investments in panic due to market volatility. Avoid trading in stocks and F&O.  While you work for money, let the money work for you as well How do you put that into practice? The answer is that you get someone who is professional to manage it for you.  No one can time the market accurately What if it were possible to buy at the bottom and sell at the top? Many people have made numerous attempts but failed. That is the reason why experts advise investors not to time the market.  Don'...

The SEBI has produced a consultation document titled "Measures to strengthen index derivatives framework for increased Investor protection and Market stability". Around 89% of derivative traders lose money, as we discovered at the time. While there were additional revealing details concerning F&O gaming, that was the main story. Now, we have this new document with a newly analysed data and proposed reforms that try to address some of the issues that have been brought to light.  76% of traders under 30 years old lost money on their intraday cash segment trades in FY23,  according to data from Sebi. In the index derivatives category of the NSE for FY 2023–24, 92.50 lakh unique people and proprietorship entities traded, resulting in a cumulative trading loss of ₹51,689 cr. Transaction charges are not included in this amount. According to the aforementioned SEBI study, traders who lost money on their trades also incurred transaction costs equal to 23% of their trading losses,...

There are no shortcuts to wealth creation and a person must remain invested to take the benefits of long-term compounding. You simply can not avoid volatility in equity market. Accurately timing the market is extremely difficult hence one solution is to invest for long term and manage risk. The stock market generates returns because it is volatile. Because the stock market fluctuates, an investor can benefit from this volatility by investing systematically. SIP can be a great way to take advantage of market cycles. Today investors are finding it much harder to stay invested due to an excess of information. Make purposeful investments, put more emphasis on a solid investing strategy than on chasing profits. The world's most successful investors have one thing in common and that is their ability to stay invested for the long term. Today, almost everyone can easily access the top performing funds and their past performance through online search through various websites. Then why...

Ever wondered how to manage your investments more effectively? In the complex world of finance, understanding the right strategies can significantly enhance your investment outcomes. Today, we delve into three powerful investing strategies: Systematic Investment Plans (SIPs), Systematic Transfer Plans (STPs), and Systematic Withdrawal Plans (SWPs). 1) Systematic Investment Plans (SIPs): First up, Systematic Investment Plans, commonly known as SIPs. A SIP allows investors to invest a fixed amount regularly into a mutual fund scheme. This method stands out for its discipline, as it encourages investors to commit money at regular intervals(often monthly).SIP is appropriate for investors with regular income. The beauty of SIPs lies in the principle of 1. Rupee-cost averaging which reduces the impact of market volatility 2. Power of compounding 3. Disciplined investing 4. Makes market timing irrelevant Over time, this could potentially lead to accumulating wealth as the cost o...

If you invest Rs. 10,000 per month in an equity fund, you can accumulate about 4,30,00,000 over the next 30 years at a return of 13%. For today's young generation, it is not that difficult to set aside 10000/- per month. It is very important to invest goal-wise to achieve financial freedom before retirement. For short-term goals, you should consider debt and for long-term goals equity is the most appropriate asset class. The best way to invest in equity is through a mutual fund where an expert fund manager manages your funds. Choose the right financial advisor who can help you achieve your financial goals. In addition to achieving financial freedom, it is also necessary to purchase term insurance and health insurance to protect your loved ones from financial problems. In 2020, Covid-19 was an eye-opener for people who were not disciplined when it came to financial planning and awareness. This is the time when people realize the importance of term insurance, health insurance, emerge...

First of all, the regular income option is good only for retired people, otherwise, it is always better to choose the growth option and compound your money as long as possible.  When it comes to regular income from a mutual fund, there are two options are available, dividend options and SWP.  Many consider dividend options for regular income, however, we advise investors to opt for the SWP option based on the below benefits. The flow of income is fixed:  The people who choose the dividend option expect fixed regular income every month can be disappointed hearing this the frequency and amount of dividends are not fixed. On the other hand, in SWP once the instruction is given, you receive the fixed amount at a chosen date. For example, if you choose 50000 per month SWP on the 10th of every month, you will get a steady fixed inflow every month till the time you stop the standing instruction. Flexibility: In the dividend option when and how much to pay depends on the fund hou...

"We will not stop until every car on the road is electric- Elon Musk" Before to start let's understand the adoption curve stage. Sunrise: It's a stage where the industry starts growing with new products and technology. This is the time when customers are ready to pay a high premium for the product. In this stage, the industry attracts the investor. Maturity: This is the stage where competition is high in the industry and everybody is trying to sell the same products. Sunset: This is the stage when companies need to change the product &             technology. The industry will consolidate, margins will fall. E-Vehicle is today is the huge sunrise  industry. The Govt of India has taken the initiative to change the complete auto sector.  4 wheeler may see some problems but 2 wheeler and 3 wheeler are shifting faster.  Tax on electrical vehicles and car charging systems reduced to 5%. Benefits of electrical vehicles: 1. Govt's d...

Speculative business income: Income from intraday equity trading is considered speculative. Non-speculative business income: Income from trading F&O  on all the exchanges is considered as non-speculative business income. Taxation: Intraday and F&O income have to be added to your other income (salary, other business income, bank interest, rental income, and others), and taxes paid according to the tax slab. Short-term capital gain is taxed at 15% + cess. Long term capital gain taxed at 10% + cess over above Rs.100,000/- Dividend Income All dividend income received is taxed as per income tax slabs.  The standard rate of TDS is 10% deducted on dividend income paid in excess of Rs 5,000 from a company or mutual fund. Carry forward  Intraday losses can be carried forward for 4 years.  F&O losses can be carried forward for 8 years. Short-term & Long term capital losses can be carried forward for 8 years. Offsetting in Gains & Loss: F&O gains can be ...