Young Investor 4 You

          Everyone known about Rakesh Jhunjhunwala, one of the successful investor of India as well as Warren Buffet of India. But who was his guru?.... His guru was Radhakishan Damani. He had a vision that other investors should invest their money in his company . So he started a supermarket business under the name of DMART.                    DMART is a chain of supermarket in India founded by Radhakishan Damani in the year 2002. It is promoted by Avenue Supermart Ltd . It has more than 196 stores across 11 states in India. Dmart is known as WALMART of India. BUSINESS STRATEGY : Focus : They focus in giving discount to consumer. It means low price strategy . Self-Owned Stores: They always buy their own property. They don't focus on rented property. This helps them in reducing cost of product. Control Expense on marketing and shopping mall : You will never interact with big hoarding or digital marketing of Dmart. Their stores are based on low-interior-cost concept. Cash Discount

          Just think you have a safe deposit box where you keep a side a part of your income or saving amount and earn interest on it. Yes, it is government saving scheme.                        Government saving scheme are launched to strengthen the financial stability of the people. All the schemes are known for their long term benefit as well as tax exemption . These schemes are consider to be safe and secure.   In this post, I have choosen  4 best schemes which I think are good to invest in.  1. PUBLIC PROVIDENT FUND (PPF)                        It is a long term investment with the objective to mobilize small saving in a form of investment, coupled with a return on it. It is also called saving-cum-tax saving investment. Eligibility:  Any Indian citizen can invest in PPF. NRIs and HUFs are not eligible. One citizen can open one PPF account only. Rate of interest: Currently it is 7.1% p.a . It is revised every quarter. Interest in PPF account is calculated monthly on the lowest bal

          The noval corona virus has spread to 187 countries. It has slowdown the economic activity and created a fear of recession in the world. It has impacted most of the sectors by disrupting demand - supply chain, lock-down and production cut. Under such circumstances, 4 sectors that are less affected are:  1. TELECOM : With the rising number of cases of corona virus in India, lock-down is increase. Due to lock-down, people are spending more time at home for work and leisure and using higher amount of network data. As a result, telecom companies has benefited from increasing number of subscriber and data services . Along with this, tariff hike decision taken in December 2019 has also provided good outcome for them. Telecom Companies which can be consider to buy:  Reliance Industries Limited (RIL) - Jio network  Bharti Airtel Limited  - Airtel network 2.  FAST MOVING CONSUMER GOODS : The use of household and personal care products are going to witness s

          Recently, Franklin Templeton India's 6 debt fund closure was a shock to the investor as well as made them concerned about their mutual fund investment. This chaos has created fear in the mind of investor that  is investing in mutual fund are safe? Thus, in this blog, I would tell you what is mutual fund in short, its safe or risky, basic types of mutual fund, their benefits and  most important you should invest in it or not            Mutual Fund is a professionally managed fund which pools money from investor to invest in different securities such as stocks, bonds, etc. on a nominal fee. In simple words, your money and other investors money are collectively invested by professional in different assets to earn maximum return. ➤ Is Mutual Funds are Safe or Risky ?           Well, I would like to tell you that all Mutual funds are safe because three governing body of government are involved in it. Securities and Exchange Boards of India (SEBI): It   reg

          The recent market crash due to COVID19, has dragged the value of many small cap and mid cap shares to multi years low. As a result, making them available at mouth-watering price. Many shares have converted into penny stock.            Penny Stock are those stocks which trades at low price. Generally they are traded at below 10rs. Penny stock are very risky investment. One should invest in it with a mindset that you might loose all your money . But what if I say you that it can give 100 times return .            Usually I don't recommend penny stock investment but today in this post, I would like to give you one penny stock which I think can become multibagger based on my analysis, because it has good fundamental . It has potential to outperform in nearby future and can become turnaround story . The stock is TRIDENT LTD . TRIDENT LIMITED                    It is engaged in manufacturing, trading and selling textiles (yarn, terry towel and b

          The Corona Virus Outbreak has created havoc in the world. All stock markets in the world are corrected from their peak values as a result every individuals portfolio has bottom down except the few smart people who has a PROPER ASSET ALLOCATION. The main reason of writing this blog is to aware people about asset allocation, its importance and how to make it so that they can bear current market crisis.  ➤ What is Asset Allocation?           It is a process in which investor make a decision of how much money to be invested among various asset classes . They are mainly 4 asset classes: Stocks: It represent ownership into a business. In simple words, it is noting but buying some portion of company through stock market. It can be shares of company, equity ETFs, mutual funds, etc. Fixed Income: It represents lending money to someone. It can be fixed deposit, recurring deposit, post office schemes, debt mutual funds, PPF, NSC, different bonds etc Cash: It

          In India, gold is considered as a valuable asset for society in terms of jewelry consumption as well as wealth accumulation by large number of low and middle class people. Throughout history, gold has been seen as valuable commodity. Therefore, gold is considered as a tool for financial planning.          People often ask me why to invest in gold rather than other investment strategies . I would give you undoubted answer : It has maintain its value over time. It has been proven hedge against inflation. Gold investment has minimum risk. Inflation and deflation does not have much impact on gold. It is simple and easy to liquidate. It can be exchanged for cash. It is key to diversified portfolio. Gold has historically negative correlation with stock.  Now, I would tell you the 6 different ways to invest in gold. 1.  JEWELRY  :            It is the oldest way of investing in gold. You can buy it from jewelry shop. If you want self satisfaction than

                  Corona Virus had made a great impact on share market. People are afraid of losing money and are searching for blue chip companies for safe and consistent return in this crisis. So, in this post, I would explain what is blue chip companies and five best blue chip companies which I consider would never disappoint their investor.                        Blue chip companies are well known, well established and well capitalized companies. They are safe, stable , profitable and long lasting companies with a history of consistent performance. In other words, they are fundamentally strong companies. I have selected 5 companies on basis of  Enterprise value is above 50000Cr Average Return on Equity 5 years is above 20 % Average Return on Capital Employed 3 years is above 20% Virtually debt free Current share price is below 2500rs. Promoter holding is above 50% (except ITC limited) Compounded Profit growth in 5 years is above 10% Compounded Sale