SARASIJ

  SYSTEMATIC INVESTMENT PLAN SIP: PROS & CONS SARASIJ MAJUMDER   NDA-3 commenced. Budget for this FY will soon be placed in Parliament. TAX rebate is expected, which will increase Consumption, boost economy, FMCG sector, INFRA sector due to GOI economic action and also enhance GST and IT deposit. Market is expected to be BULLISH. I suggest, you   think of long term investment through SIP. This route is best for those who are otherwise busy, and not so Investment Savvy. I discuss below investment rough   SIP   in some details. A  Systematic Investment Plan (SIP)  is a method of investing in mutual funds. It allows investors to contribute a fixed amount of money at regular intervals (e.g., monthly, quarterly, etc.) into a selected mutual fund. Here are some of the pros and cons that you might want to consider before investing through a SIP: Pros of SIP: 1. Disciplined Saving: SIPs encourage regular saving habits as they require fixed amounts to be invested at regular

  INVESTING IN PSU EFFECT OF NEW POLICIES AFTER ELECTION SARASIJ MAJUMDER PSUs or public sector undertakings are closely linked to the core sectors of the economy and have been successfully able to build a strong industrial base in the country. These undertakings are wholly, or  majorly owned by the Government of India. The core sectors of the economy play a crucial role in the nation building process, which sets the tone of the economy in the right direction. These core sectors are namely Banking &Finance, Coal, Capital Goods, Infrastructure, Oil, Power, Metal And Mining. The current total market-capital of the PSU companies is more than Rs. 20 lakh crore. PSUs contribute a good amount of money regularly to the government in the form of dividend, excise duty, custom duty and corporate taxes. Union Finance Minister Nirmala Sitharaman has announced major reforms in future for Public Sector Undertakings (PSU), as a result of which many sectors are likely to see large-scale co

  PPF Vs. MF INVESTMENT SERIES—PART 3 SUITABLE FOR YOUNG INVESTORS SARASIJ MAJUMDER On this, please refer my blog on MF posted before, for detailed analysis. I am not repeating here. Public Provident Fund (PPF): PPF is a government-backed, Debt oriented scheme designed to encourage long-term savings among   Indian citizens. It offers a fixed interest rate and tax benefits, making it a preferred choice for conservative investors. Features, and Operation: Any INDIAN CITIZEN can invest in PPF. A PPF account can be opened with either a Post Office or with any nationalised bank. I suggest to open your PPF account in a reputed, and solvent Private Bank. My choice is HDFC, ICICI, or AXIS BANK. KOTAK MAHINDRA is very good—but not investor friendly, as per my personal experience. SBI is the sole default choice if you want a PSU BANK. PPF comes with a lock-in period of 15 years, promoting disciplined, long-term savings. Hence, you need an emergency fund before investing to PPF.

  EQUITY BASKET:SARASIJ-1 SARASIJ MAJUMDER I have already published a BLOG on Wealth/equity basket. I am sharing the link below for them who has not read it before. EQUITY BASKET is more like an Equity MF, except that, 1.0—There is no Expense to be incurred to fund house, 2.0--- And, you are in full control. Rather, you are the FUND (basket) MANAGER. I have done all necessary screening, Fundamental, & Technical analysis to select these 11 Companies to start with. I will share another basket after Final Budget, to add with this one. All of them are part of NIFTY 50Basket, and hence are top performer, and market leader. They will grow steadily—weather the market ups, and downs well, and not get effected much in a market correction. However—you should be invested for a long time to collect GOOD REWARDS. The basket is pasted BELOW:- Further read:- 1.0-- https://sarasij1majumder.blogspot.com/2024/01/how-to-select-equity-investment-company.html 2.0--https://sara

  HOW TO SELECT AN EQUITY INVESTMENT COMPANY? 12 COMMANDMENTS SARASIJ MAJUMDER 01.0—By investment, we mean only value investment—and not TRADING. 02.0—Compounding is a great process for multiplying money/wealth. Compounding can happen, if one remains invested for a long time. Hence—purpose is to find a Company, who will beat PAR, consistently, over a long time. The question is, how to do that? 03.0—First we select one of the three BUSINESS MODELs:--B à B; B à G;   & B à C. I don’t want to discuss the merits and demerits of above three models. Our preferred model is B à C. This is direct, more reliable, and predictable. Manufacturers of Consumer goods are one example of these type of companies. 04.0—Once selected the model, then we select market leaders in the GROUP, who are B à C companies, and consistently GROWING, MAKING PROFITS, and sharing WELATH.   And select the Market Leaders only. Our 1 st step is taken. 05.0—Now, we must study the business history, at least ov

  SEVEN MUTUAL FUNDS Warren Buffett's 'Buy-and-Hold' Mantra SARASIJ MAJUMDER Warren Buffett's favourite holding period is forever.   Many of his equity portfolio were hold for decade(s). However, the same cannot be applied for Indian mutual funds , though. Only a few   mutual funds have crossed the BENCH MARK, on long term basis, if above principle is applied. I identified those mutual funds that have, in many ways, managed to hone the art of 'buy-and-hold'. To find such funds, we applied the following filters: The fund should hold stocks for five consecutive years. Long-term holding constituted at least 50 per cent of the portfolio Long-term holdings account for all the outperformance Name of the scheme Number of long-term stocks Average allocation of long-term holdings (%) Excess returns by the long-term holdings (%) Average excess returns the by fund (%) Kotak Flexicap

  What is the difference between wealth baskets and mutual funds? WHAT SHOULD BE YOUR AIM? SARASIJ MAJUMDER A wealth basket consists of a carefully curated collection of financial assets like Stocks and ETFs, selected by qualified experts. The wealth baskets are built around a particular theme or investment strategy. On the contrary, a Mutual Fund is a pooled fund, wherein investors can combine their capital, which professional fund managers subsequently manage to invest in a diversified range of assets. Let’s explore the distinction in investment approach for an investor. Let’s say an investor is trying to decide between investing in a Stock Basket versus an Equity Mutual Fund, which one should the investor opt for? Here are some of the key differences one must keep in mind Custody and Management of Portfolio: First and foremost, it is important to understand that a stock basket offers direct access to the stocks, once an investor purchases the pre-compiled basket of stocks,

  MUTUAL FUNDS FOR LONG-TERM INVESTMENT SARASIJ MAJUMDER A mutual fund is an   investment vehicle that collects & pools money from a number of investors and invests the same in equities, bonds, government securities, money market instruments, etc. The money collected in mutual fund scheme is invested by professional fund managers in stocks and bonds etc. For this, they charge a fees, known as EXPENSE RATIO. You can invest in three ways, as follows:- 1.0 Through a BROKER, or a registered organizations like Bank, Fund House (e.g. NIPPON), Financial instate like BAJAJ CAPITAL etc. 2.0 You can directly open an account with the fund House, and invest directly, and, 3.0 In Exchange traded fund, commonly known as ETF,   you can invest through a DEMAT account. In option 1, Expense Ratio will be highest, as you will additionally pay BROKERAGE also. In option 3, you can buy/sell easily, and instantly. It is market driven. Most mutual funds fall into one of four main categ