Looking at HDFC Bank Q4 confcall transcript analyses. One key point was discretionary spending on cards is effecting total spending. This do not bode well for companies like SBI cards where not only spending goes down but it will hit the profit as well due to late payment and increase of NPA in certain cases.
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Individual investors have an edge over managers, advisors, analysts, or anyone that is forced to prove how smart they are to others. You don’t need to have an “opinion” on anything. All you have to do is focus on making a few good decisions per year on the stocks you understand.
This is in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.
SWOT means
S – Strength of a company
W- Weakness of a company
O- Opportunities available for a company
T – Threats for a company
Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.
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Digital Trends : Best options for video conferencing (Digital)
Sector Watch/ Hotel Industry: Corona impact on hotel industry (OB)
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If February 2020 was forgettable for investors then March 2020 would be a month which most of the investors want to skip in their investing life. But what is the guarantee that April and May 2020 will be better if not the worst? So a rational investor can not wait for bottom as he dont know about the bottom. But what to buy and what to leave in such markets?
Let’s try to find out
Just when i was thinking what stocks to buy in these stressing conditions for economy and people, i mostly get stuck on FMCG companies. But the amount of negative news for the whole market is so high that making a decision is becoming difficult day by day. So i thought to keep watch on all news around COVID-19 lockdown and see if there are any positive inputs for any sector or industry.
It is evident from various sources that people are getting bored at home even when they are WFH. Although some of them are fitness conscious and are actively engaged in indoor exercises but their normal physical movement has almost gone done to ZERO. To pass the time, they have started indulging in binge watching/exercising to somehow beat boredom or depression. So i feel that these are the two sectors which could benefit the most in this lockdown as grocery stores are open and some of them do keep yoga mats or basic exercise equipment.
The site mention the TOP 100 Grwoing and declining e-commerce categories in US although most of these things also apply to Indian context as well.
Some of the major takeaways are (source : stackline)
· There is a surge in home fitness products including weight training equipment, fitness accessories and yoga equipment as gyms and workout studios are forced to close. Due to the increase in at home workouts, the gym bag category and many outdoor sport categories such as baseball & softball and track & field are in decline.
· Many companies have implemented a work-from-home policy, driving demand for computer monitors, keyboards & mice, and office chairs up as employees look to create a temporary home office.
· Most travel has been halted, causing declines in the luggage & suitcases, briefcase, and camera categories. Additionally,many spring break vacations were canceled, triggering a decline across sandal and swimwear categories.
· Formal apparel categories including Bridal and Men’s Suits are in decline as many couples are forced to cancel or delay their weddings.
100 fastest growing categories
100 fastest declining categories
So what we can take out from this in current Indian Stock Market scenario?
My observations (not recommendations) :
Hospitality and Aviation stocks are facing issues like Lemon Tree hotels, Oberoi, Indigo, VIP industries etc.
Branded retail stocks like Future group are also facing headwinds
Jewelry stocks like Titan etc may face headwinds for quite some time.
Real Estate stocks like Oberoi, DLF may be down for quite a long time
FMCG stocks like ITC etc may be gaining out of this
Pharma company stocks like Abbott, CIPLA, IPCA which are into sale of vitamins, cold and cough medicines, masks, PPE and ventilators may gain more
IT stocks like TCS, INFOSYS etc may win more contracts
Communication related companies may gain like Reliance Jio
Gyms like Talwarkars may be facing headwinds for a bit longer time
Food delivery services like Jubilant may gain market share
Please note that the information shared is for educational purposes. My views can be biased and i may hold some of the stocks mentioned. Please consult your financial adviser before taking any financial decision and most importantly do your own due dligence
What do you think out of this COVID lockdown? Please comment or mail me your views
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Comparison between HDFC & Kotak Bank HDFC Bank is larger in size & branch network Kotak has higher NIMs & CASA ratio Kotak is double of HDFCB on PE & PB ratio HDFCB is better on Gross & Net NPA In my view better to go with HDFCB & wait for Kotak to correct to reasonable levels pic.twitter.com/sPqwjnheUC
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"Even if your borrowings are small and your positions aren’t immediately threatened by the plunging market, your mind may well become rattled by scary headlines and breathless commentary. And an unsettled mind will not make good decisions.”- Warren Buffett
“No matter how great the talent or efforts, some things just take time. You can't produce a baby in one month by getting nine women pregnant.”- Warren Buffett Trust the process, patience is a virtue, it's not about how far but how well.
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As we have seen multiple times, people enter into stock markets with a lure of quick money and start buying stocks based on tips, analysts recommendations, social media news or friends recommendations. All this stock buying happens as a blind follower. Unfortunately most of the times these blind follower theory works for buying only. People forget to sell stocks or intentionally keep holding them because of losses in these stocks and they don’t want to miss out if stock rebounds. So they keep on waiting for stock to come to their buying level or worse they keep averaging such stocks.
What people really miss or can not analyze is whether the stock bought is good enough to hold or not? or Is it good fundamentally? or the original buying thesis has undergone a change or not? Whether this stock ever turns back or not and why? Whether they should average or not?
Third eye on your portfolio
Our team at Alpha Affairs has recognize this need for common people who need a opinion on their holding so that they can take a decision themselves with better understanding. Alpha Affairs has filled this need by giving a chance to common man to get the third eye look on his/her portfolio.
Portfolio opinion is a premium service (nominal fees) and our motto behind this service is to help our friends remove dud stocks from portfolios to improve overall portfolio returns. We call it as a Third Eye Look on your portfolio. This Opinion should be construed as knowledge sharing only and not be construed as financial advice ( we are not SEBI registered) and any losses or profits arising out of same are responsibility of the stock owner. We are only trying to help each other in best possible way we can. It is better to consult your financial adviser before initiating buying, sell or hold calls on your portfolio
Please find the details at the link provided below
another review on or before 90 days as per request
You can use Services for Stocks or Mutual funds review or both together.
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Most of the investors are waiting for market to overcome the budget day shock given by markets and hoping that February should end fast and March should begin as earnestly as possible. Little did they know the second week of March 2020 will bring more blood on the streets literally (Dalal street became Laal street ), pun intended.
Most of these investors are new into the market and did not know how to react to such situations in market. Some of them only read about 1992, 2000, 2008 market crashes and personally not experienced them. This market crash is a kind of a graduation ceremony for new investors, while at the same time its a post graduation for 2000, 2008 graduates. If you survive 1992, 2000, 2008 and ongoing 2020 then you deserve a lifetime achievement award as well.
So as you are reading this article, did you notice any pattern in stock market crashes?
Congratulations, if you are able to see that
Stock Market crash is inevitable every 8-10 years.
Ofcourse capital protection in these times are the first priority. How to do that, lets read further on what strategies people can adopt
Case 1. Sell out 100% and wait to re-enter at lower levels
Thsi strategy is for people who
Are facing Liquidity challenges
Can’t sleep properly looking at downside in portfolio
Borrowed money to invest
Goals are near ( within 1-2 years)
Advantage with these strategy is you may not lose further capital if market goes down and may get a chance to re-enter at lower levels or bit higher levels when dust settles. Problem with this strategy is it is impossible for anyone to predict whether market has bottomed out or not. Will Market go down further in next 2 days or 2 weeks or 2 months. Nobody knows. Get away from people if they claim to know.
We may see occasional sharp upturn but may not be able to sustain it because economy will be impacted definitely due to most of world going into lockdown mode for few months.
You may need to decide a market point where you should re-enter
Case 2 Go opposite and buy more
Since such market crashes, most of the stocks fall even if they have good balance sheets, business , zero debt, so advantage with this strategy is you will get good quality stocks at throwaway prices and from these levels, they can return 15-20% CAGR in 5 years. Problem with this strategy is most of us go overboard and can’t classify what to leave.
In such cases adopt a simple strategy
Create a watchlist of quality stocks and buy from the same watchlist
Don’t look for tips.
Plan your investment in a staggered manner instead of putting money in single go
Don’t borrow money to invest
Invest the money which you don’t need for next 5 years
Prepare to see more downside to market and holding these investments are the key for longer term
Correct portfolio allocation including cash in hand at all times is the key to survive these crashes.
Case 3- Hold
This strategy is for people
Who are confused and not sure which strategy one should adopt
Who have long term views on equity but not sure what to do in uncertain the atmosphere is .
Who has no money available to invest right now
who do not need to sell out as no immediate money requirement
Under this strategy, neither you buy nor you sell but wait for the dust to settle down to take the next course of action.
What i am doing in this market? My answer is Case 2.
I had a watchlist and i am making full use of it.
I have a process for staggered investment over a 6 month period and i invest whenever market panics. On budget day, on LC days. That kind of panic selling gives me an opportunity to buy stocks that I always wanted to buy, but decision was deferred due to valuations.
I am still not chasing expensive stocks and wait for them to cool down a bit more before initiating positions
I would recommend this strategy if you have cash in hand and can hold shares for longer term ( more than 5 years). I am banking on the process i have adopted and still ready to take hit on 30% of stocks turning turtle in years ahead assuming 70% investments will easily cover the returns of 15-20% CAGR.
I would not recommend to sell out and sit if you have not borrowed money and are not facing immediate liquidity issues. But for sure remove dud stocks and put that money into other quality stocks
Whatever strategy finally you adopt. don’t be a blind follower
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Disclaimer : This is my view point and can be biased or totally wrong. Please consult your financial adviser before acting on the strategies discussed below. Any losses originating out of same is your sole responsibility. Article assumes reader has basic knowledge of markets/IPO and it’s associated risks.
Read on SBI cards Business Strengths, Oppurtunities, Weakness, Threats in the post SBI CARDS IPO. We will discuss in this post on what could be an investor strategy once its listed on 16th Mar20.
Since Market scenario has turned bad as compared to IPO subscribe days, its better to be prudent in investing. Just pulling back line from old article on subscription strategy, the longer term strategy will remain as such
One can subscribe to SBI cards IPO if one can hold the shares for 3 to 5 years and looking for long term gains
Note taken from earlier post on subscribe or not : SBI CARDS IPO.
Case 1. No Allocation happened in IPO
This could very well turn out to be a blessing in disguise as you have money available to put in stock market. Whereas others are finding it challenging to arrange money to buy stocks available at cheap valuations after a drastic fall, you are spoilt of choices.
Action 1–> Keep some money ready for SBI cards and allocate rest amount to buy other quality stocks in market
Action 2–> If Listing happens at premium of +15-25% IPO price, you need not to do anything. Wait for correction in stock price before initiating your position
Action 3–> If Listing happens at +/- 5% of IPO price, you need not to do anything. Wait for correction in stock price before initiating your position
Action 4–> If Listing happens at -20% of IPO price or share price moves down 20% from IPO price ( approx 600 Rs), you can initiate buying and can put 33% of your money kept aside for SBI Cards. In more likelihood, you will get chance to put more at down levels.
Case 2. You got 1-2 lots allotted in IPO
Action 1–> Sell all allotted shares of SBI cards if listed at 20-25% premium to IPO price and wait for re-entry
Action 2–> If Listing happens at +/- 5% of IPO price, you need not to do anything and wait for further correction before averaging down your price
Action 3–> If Listing happens at -20% of IPO price or share price moves down 20% from IPO price ( approx 600 Rs), you can initiate buying and can put 25% of your money kept aside for SBI Cards. In more likelihood, you will get chance to put more at down levels.
Action 4–> Buy 50% or more of money kept aside if share price moves down 40% from IPO price ( approx 450 Rs).
Case 3. You got 5 or more lots allotted in IPO
Action 1–> Sell all allotted shares of SBI cards if listed at 15-20% premium to IPO price and wait for re-entry.
Action 2–> If Listing happens at +/- 5% of IPO price, you need not to do anything and wait for further correction before averaging down your price.
Action 3–> If Listing happens at -25% of IPO price or share price moves down 25% from IPO price ( approx 530 Rs), you can initiate your further buying and can put 20% of your money kept aside for SBI Cards. In more likelihood, you will get chance to put more at down levels.
Action 4–> Buy 50% or more of money kept aside if share price moves down 50% from IPO price ( approx 375 Rs).
Things to watch out for in coming years to stay invested or move out
Slowing economy may led to lot of defaults. NPA % is sure thing to watch out for
Rich Valuations at IPO time may take longer time to deliver mutlibagger returns and if any quarter results are not as good as expected, these rich valuations may play havoc
Emergence of new player to snatch market share. Keep watch out for AXIS Bank and ICICI Bank market share vs SBI Cards market share
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Practical advice for existing shareholders of Yes bank
Disclaimer : I am not a Sebi Registered adviser and currently invested in Yes Bank with average holding @45 Rs. This article is based on Yes Bank taken over by RBI and placed under moratorium on 5th Mar 2020. The content of the articles are not relevant if there are any future developments which are not in sync with this article. This article is not meant for traders. Please consult your financial adviser before making any decision on buy, sell or hold. You are advised to have your conviction and owning the decision thereafter.
As per the recent developments, Yes bank is placed under moratorium by RBI and SBI , LIC are potential investors with dilution of shares. So in such a case what an existing shareholder can do.
Should an existing investor buy, sell or hold? A dilemma which refuses to die down every minute and becomes more bigger with every news link.
Thumb rule
Your all investments may not be successful and may fail. One should be ready to accept such failures, learn lessons and move on to next opportunity.
Stocks may fail or fall due to technical reasons (overpriced) , due to bear market (every stock falling) , due to bad policies (power stocks, aviation are good examples), or change in fundamental story.
Be clear that Yes bank has fallen due to change in its fundamentals and its story has changed. Whatever thesis we have for Yes Bank at the time of investing is changed forever and this is the time to have a relook on yes bank investment.
So what we can do as retail investor when you are up against
Change in fundamentals
Lot of Traders
Insider news operators
Big fund houses
Prevalent misinformation
Here is the practical advise in three scenarios
HOLD Yes Bank shares
Hold if your average is too high (beyond 60 Rs and further) (CMP Yes Bank is ~16 Rs) and don’t book losses. Let the losses remain on paper.
You can not do anything with pennies anyway.
Wait for investment thesis by SBI, other players to play out
Let the stock get stable and take a call again but do remember not to throw good money after bad money.
Buy Or Sell Yes Bank Shares
This section is specifically for investors holding positions below 60 Rs.
First step you should do is look existing amount as fresh investment in new bank or a new company & ask yourself few questions
Section 1
◆Will new Yesbank be multibeggar in near future? ◆Can I afford to lose all what i invested till now or further money in Yesbank debacle? ◆Will brand value of Yes Bank remain intact among customers and depositors after moratorium. ◆Will new customers open their account in Yes Bank ?
and like wise you can frame more questions
Section 2
◆Are there better opportunity in this falling market?
◆Will old customers withdraw all money on first given opportunity from Yes Bank?
and like wise you can frame more questions
If the answer is YES (for Qs in Section 1) along with NO ( for Qs in Section 2), Then read Option 3 down further
If the answer is Yes for some of the above questions in section 2 along with No answers to some questions in section 1, Then there are three options
Option 1. Think it is one of the bad ideas and sell if liquidity is a challenge. Book your losses and Move on to next opportunity.
Option 2.Hold if liquidity is not a problem. You may recover some of the price and decide accordingly. Don’t throw good money after bad money
Option 3. You have enough liquidity and can afford to lose all money invested in yes bank plus you have enough time horizon to play like 3-5 years, Go and buy shares of new Yes Bank and average your holding if shares available at below 10 Rs. Even if you choose option 3, allocate not more than what you afford to lose completely. I would not advise you to go beyond 5% to 10% capital in yes bank of your total capital allocated in market. Definitely a Riskiest option but rewards (if any) will be equally high.
Choose your option wisely based on current liquidity, your risk appetite and investment horizon and do as much due diligence as possible on your holding.
I hope this article might have brought some clarity to your current thoughts. Any feedback’s are welcome.
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Few things on SBI CARDS IPO to help you decide whether to go ahead with subscribing for IPO or not.
Strength/Oppurtunities
Healthy Balance sheet
Strong parentage backup (subsidiary of SBI)
Second largest credit card issuer in India with 18%
Low credit card penetration in India ( @ 3% only) . Developed markets have this ratio @300%
Largest co-brand credit card issuer, having partnerships with several major players.
Will become the only listed company in India in this space.
Weakness/Threats
Fast usage of UPI interfaces may led to increased competition
Fast usage of mobile wallets may led to decline of credit card users or slow penetration into new user base
Unsecured credit may lead to high NPA
High Valuations
Subscribe or not?
One can subscribe to SBI cards IPO if one can hold the shares for 3 to 5 years and looking for long term gains
Things to watch out for in coming years to stay invested or move out
Slowing economy may led to lot of defaults. NPA % is sure thing to watch out for
Rich Valuations at IPO time may take longer time to deliver mutlibagger returns and if any quarter results are not as good as expected, these rich valuations may play havoc
Emergence of new player to snatch market share. Keep watch out for AXIS Bank and ICICI Bank market share vs SBI Cards market share
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Bengaluru-based Barbeque Nation Hospitality (BHNL) has filed IPO papers with SEBI for the second time. Backed by private equity investor CX Partners and ace investor Rakesh Jhunjhunwala’s investment firm Alchemy Capital, the IPO would comprise a fresh issue of shares as well as offer for sale.
Barbeque Nation is one of India’s fastest growing and widely recognised restaurant brands in the rapidly growing CDR market
Barbeque Nation
Rakesh Jhunjhunwala’s investment firm Alchemy Capital holds 2.05 per cent stake in the company. Private equity investor CX Partners owns 33.79 per cent. The promoters of Barbeque Nation Hospitality are Sayaji Hotels, Sayaji Housekeeping Services, Kayum Dhanani, Raoof Dhanani and Suchitra Dhanani. They together hold 60.24 per cent stake in the firm.
A very limited quantity of pre-IPO shares of Barbeque Nation is on offer.
For those interested,please email me with details through Contact Form
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Health: Vitamin D deficiency & related Illness (Health)
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Religare Health Insurance (RHI) is one of the leading Stand Alone Health Insurers (SAHI) in India
There are only 5 SAHIs in India and RHI is one of them. There is considerable PE interest in such companies as evidenced by the purchase of True North in Max Bupa and Westbridge in Star Health
The financials and other disclosures of RHI can be obtained from here
A very limited quantity of shares of Religare Health Insurance is on offer.
For those interested, please Contact through this link
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This is in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.
SWOT means
S – Strength of a company
W- Weakness of a company
O- Opportunities available for a company
T – Threats for a company
Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.
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1. DHFL is undergoing bankruptcy 2. RBI has initiated this process 3. Every lender to DHFL has to submit their claim to NCLT for u to get back ur money 4. The advt for FD holders to submit their claim is below 5. If you are a DHFL FD, pls do this
This is in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.
SWOT means
S – Strength of a company
W- Weakness of a company
O- Opportunities available for a company
T – Threats for a company
Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.
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Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.
Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.
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Finance : PMS investment size raised to 50 lacs (Sebi)
Nutrition : Who’s craving Sugar : You or your gut bacteria (Livingwell)
Health : Best Drinks to stay hydrated and fuel muscles (MJ)
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Environment : Ola, Microsoft to collect air quality data in Delhi (Hindu Business line)
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This is first in series of posts where you can find the SWOT of a listed company along with factors to watch out for in coming quarters.
SWOT means
S – Strength of a company
W- Weakness of a company
O- Opportunities available for a company
T – Threats for a company
Disclaimer – Analysis is NOT a BUY/SELL/HOLD Recommendation. It can be used for educational purposes. There can be lot of things which have been missed in analysis either due to lack of information or oversight etc.. Do your own diligence & contact your expert financial adviser before making any investment decision.
In case you have any questions/ queries, please feel free to reach me through Contact Form
Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.
Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.
Just to remind you in case you forgot, previous article has a question (kinda, open book question) on whether you are entering the stock market as Investor or Trader?
Investor or Trader
Close your eyes and say loudly what you have chosen.
What did you hear? An Investor? Or Trader? Still confused?
I appreciate if you are almost cursing me. To me that means you are thinking!! I really want you to revisit the feeling again at closure of article and I hope wisdom dawns on you by that time 😊
You have been told/heard from so many known/unknowns that making money in stock market is simple (even government thinks so, hence long-term taxation introduced sometime back). And here is someone coercing you to choose a domain out of the two. Why?
Because unfortunately, the bigger world out there is different and looks something like this
Who’s S?
S believes in easy things & easy money. S need tips from people, from TV, from friends, from everywhere. Basically, most of us are S. We are in constant lookout for some hints/tips where money can be made. Any relevant names for S? Correct, S is a speculator. Period.
Now you know why one after another Ponzi scheme work and fool people. Its nothing but the lure of easy money.
Speculators are so much big in numbers that one can safely assume that they will be omnipresent. Below I try to show you the approximate pie area occupied by Speculators as compared to Investors & Traders
Don’t tell me World is not fair!!
Approximate %age of Speculators, Investors and Traders in Market
I can envisage a shocking realization for most of you.
Does above realization reduce our chances of making money or
does it make it riskier?
No, in fact this many numbers of Speculators will make stock marketsinefficient meaning Investors & Traders with right systems in place can make use of stupidity of large number of people to make money.
You see at times unfair world is advantageous!!
One can safely assume the swapped positions for speculators & investors/traders in above pie chart in terms of probability of making money. Let’s try to see the point rather than estimating accurate probability.
Approximate probability of money Investors, Traders or Speculators make
So, what you and I can do
1st step is to realize that there exists a big speculator in us and we will NOT FEED him.
Remember for once and all, Speculating and gaining money from market is as good as playing in Casino and hitting a Jackpot. Yes, people get lucky in casino and so are people in stock market by speculating. But unfortunately, how many will remain rich, that’s a question to answer before proceeding further.
The house wins in casino and investor, traders , brokerage houses wins in stock market. Only Once in a while speculator wins in casino and stock market.
One can still argue that probability of making money with speculation is not zero and we need only one stock to click despite many bets being failure. I don’t deny that tiniest possibility but do stick a note on your ego/laptop/mobile
Speculation will destroy my wealth unless I’m super lucky
By speculating not only you can lose your money but might also put your survivalat risk. I just don’t want to talk about the hit on your confidence levels in other fields as well as a side effect. I hope I have made my point clear and that is
Don’t tread the path of speculation
Wait!! You still did not the got the answer whether you choose the right domain!!
You can choose to be an investor or as a trader. Nothing wrong or right about it. Both are separate ways of making money and requires different skill set.
Investing requires you to understand the industry, company, its
balance sheets, quality of management and a bit more.
On the other hand, trading requires you to be converse of the technical tools and a better control over your emotions apart from many other things.
In both cases, you need to do your homework well before putting your hard-earned money. Rewards are worth of effort being put and so are the risks on downside.
You must make sure that right systems are in place to reach
the data point you need to make decisions.
Let’s begin with (newly) dawned wisdom and start rewarding ourselves.
What are the further steps? Let’s seek answers in next article
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Stocks : Vodafone-IDEA : ~51000 cr loss in a quarter (ET)
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Medicine : Blood test to identify breast cancer (BS)
Economy : RECP : India’s out : Good Or BAD (Downtoearth)
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Before I congratulate you on taking a plunge in stock market, I must ask you Are you ready to lose your invested money in one heap and start again and never breathe a word (not literally) about your loss? If you hear yourself saying NO, please understand you are still NOT Ready for stock markets If you heard YES, read further!!
Time is to congratulate yourself on the idea that you finally took a decision to venture into stock market. You have crossed a huge barrier which restricts millions of people to potentially earn more money.
Congratulations aside, Don’t just leave your job/studies by getting too excited about the idea of earning more money and jumping into stock market full time.
The idea of jumping full time into stock market has destroyed many people as compared to enriching few of them
Before you say b**ls**t, No, I’m not saying that you shouldn’t do it full time. Go through one full bull and bear cycle before considering it seriously. The full journey will give you insights which no Book, Blog or a person can. The journey is unique and you have to develop your own strategy to master the markets What i can do for you. I can help you through this journey when doubts creep in and you need a bit of hand-holding.
So whats the starting point? Get on-board and lets start the journey
By definition trader is the person who is engaged into buying or selling goods, currency or shares So who is investor then- By definition — a person that puts money into financial schemes, property, etc. with the expectation of achieving a profit. Its pretty confusing and it seems both terms are interchangeable.
Ok, Ok , have you said, its about shareholding duration. If a person buys or sells a share within a year, a month or a day, he is referred as trader. Investor is someone who keeps share for more than a year before he sells it. So its partially true but largely false.
Before you kill me, Lets come to the point and see from the viewpoint of stock markets. Broadly a person who is engaged in selling and buying shares based on technical data is called Trader while a person who is engaged in buying and selling shares based on fundamental data is called Investor.
Since technicals (moving average, candlestick etc) of a stock can change on daily, weekly and monthly basis and so on, hence the underlying assumption on which shares are bought remains valid for a shorter time period. Accordingly the person is engaged in buying and selling too frequently.
On the other hand, Fundamentals (earning, profit, cash flow etc) of a company change slowly over a period of time. A company can not become bad or good overnight or on weekly basis. e.g. it took Infosys 20 yrs to become overnight success story!!
Who’s best among Investor or Trader? Both are best in their field and there is nothing wrong if you choose yourself as a trader or investor. But for the sake of increasing the probability of success in stock market, choose your domain and stick to it for a considerable period of time to hone your skills and make money. Stock market is not a place for weak hearts anyway.
Closely look around among your peers, family, relatives, friends. There is a high probability that you are influenced by one of those saying that he’s milking the money in stock market and there is no better time for you to jump in. Did he tell you about losses he has made? NO? Pretty high chances he’s a trader. I can put my neck on line for same.
Everyone has made losses whether investor or trader. Stick it on your wall and curse this fact.
Should you try first trading or investing? Its up-to you, Who am I to tell you or for that matter anyone!! Its your money!!
Being an investor increases your chances of success in longer run. It’s a low risk and high reward game as compared to trading which is a very high risk, very high reward game. Trading involves overcoming your emotional behavior on real time basis and many of us fail at it (more on this in upcoming blogs) while investing gives you bit of time to take decisions rationally. No guarantee that you may pass 🙂
So ponder for a while to choose your domain first before jumping to a new article on stock market. Also Read : Investor or Trader or S
In case you have any questions/ queries, please feel free to reach me through Contact Form
Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.
Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.
Stocks : Yes Bank : Yes or no : Ravneet gill explains the NPA (Youtube)
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Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.
Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.
In case you have any questions/ queries, please feel free to reach me through Contact Form
Do spread the word among your peers, family members or anyone who can benefit from this blog and asked them to subscribe. But be selfish and take care of yourself first by subscribing before they do.
Enjoy the day and your life. Don’t forget, we are alone in this grand universe and may not get a chance to live again.
Speculation will destroy my wealth unless I’m super lucky
The idea of jumping full time into stock market has destroyed many people as compared to enriching few of them
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