Simple Equation - All Comments

re: New Pension Scheme – Small Step, Giant Leap

G.Kumar — Fri, 20 Nov 2009 06:44:32 GMT

Dear SIR, My name is G. Kumar and I am working as Divisional Accountant in M/S Damodar Valley Corporation w.e.f 16/12/2005.My PPAN is 2005254586400517 I proposed to regin from the service due to personal reason So I kindly request you please suggest me by what mode I can get my PPAN balance Thanking you, Yours faithfully, G.Kumar

re: The Five Investment Essentials

Rakesh Rana — Thu, 12 Nov 2009 04:22:48 GMT

Nice investment but i want to know dat i m 24yrs old i m in moradabad(u.p)India i have Rs.200000. What should i do.

re: Will you pay a fee for Mutual Funds?

Chandrashekhar Wankhede — Fri, 30 Oct 2009 11:05:36 GMT

Dear all , I m working at nagpur as insurance advisor. pl tell me the golden trick to earn from investor by selling MF ... if i collect cheque of investment amount + 2%+ service tax in favour of MF distributor, will that MF distributor refund my 2%... if available, Pl name that distributor... will this scheme work for SIP by bank ECS... ? Pl guide me...

re: Top 10 Finance Quotations

amill — Sat, 17 Oct 2009 19:31:24 GMT

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re: Top 10 Finance Quotations

search the internet online — Sat, 10 Oct 2009 19:53:08 GMT

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New Pension Scheme ??? Small Step, Giant Leap : Simple Equation

New Pension Scheme ??? Small Step, Giant Leap : Simple Equation — Mon, 21 Sep 2009 11:01:55 GMT

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re: Will you pay a fee for Mutual Funds?

Bbino — Sun, 20 Sep 2009 07:51:28 GMT

Dear Sir, This comment,is a late one & therefore may consists of after effects of SEBI advice to getaway with the entry load ie August09. But please see the scenario now. Even famous brokerage houses like HDFCBank started collecting investment a/c maintenance charges of Rs 800 annually even if you donot do any business even if you do for debtfunds. The statusquo was better, if you want to invest with any AMC, you can apply directly (just like you do now with bank and broker) and there is not even a single paise entry load money deducted. Actually people must know about this. There is no additional benefit actually you are getting for approaching any broker. They know how to fill forms !! Nothing else. Investors normally go to there for some other purpose and there they propose some fund details and force them to join. LOL.. Online facility has been extended by almost all AMCs. Why don't investors make use of it? Nowa days it is rather simpler than going in to their office and get yourself joined in some crap funds unknown to you !!!!!!! Here nobody is doing any service but just force you to give your money as service fee and join to the fund/plan they propose..... Bbino.

re: Confidence or Expertise?

Pravin — Wed, 16 Sep 2009 03:50:11 GMT

Cognitive dissonance and self attribution bias.I see these as the two operative sentiments/behavioural tendencies that exist in choosing investment advisers.

re: Confidence or Expertise?

Harish Rao — Thu, 27 Aug 2009 11:52:48 GMT

Kannan : Terrific point. We are already seeing the effects of a 'friendly regulatory regime' from one of the regulators. That has obviously trickled down to the players too.

re: Confidence or Expertise?

kannan.k.v. — Thu, 27 Aug 2009 11:13:55 GMT

Harish,certainly integrity should be the foundation in this business of investment management and advisory.It should be an integrated integrity and not be looked upon as the soul responsibilty of the much maligned distributor/advisor/wealthmanager community.What I maen is that all players in this investment space like the product manufacturers, their respective regulators and the investors themselves should have integrity as the cornerstone of their thoughts and actions.If this can happen then certainly integrity would be a given in this business.

re: Confidence or Expertise?

Harish Rao — Thu, 27 Aug 2009 10:50:41 GMT

Swarup : Super observations. Actually, early in my article I agreed that confidence was the more important one as investment or investor management is all about expectations management. But sometimes confidence turns into cockiness and that's the beginning of all troubles. And how I wish that Integrity is a given in this business.

re: Confidence or Expertise?

swarup — Thu, 27 Aug 2009 07:30:16 GMT

Harish, As always well written...though I would differ on the confidence part. I am big believer of the Robert Kiyosaki statement -" Tne Investor is never risky, the advisor is risky". Equity investing is all about belief and confidence. It is a fact the though the NAVs have travelled, the investor has not taken the journey with it. I keep on saying this - The only person who has made money in MFs is the one who has lost his account statement!! I keep on hearing that the investor is not long term in India. But I have seen most of the distributors being around in the market for the last decade and their respective clients being with them for the whole period too. So how can one say that the investor is not long term? Though I agree that Integrity is important- I think it should be a given factor for any business. Confidence is the key to taking financial advising to the next level for a distributor. It is confidence which will lead to the inherent belief that one has to stay invested to create wealth. You may not be right in all your calls in the market, but one can easily make wealth if you are more right than wrong amongst all your calls! These are personal views!

re: Spending and Financial Planning

ksr00551 — Thu, 27 Aug 2009 03:38:44 GMT

Harish i have just started reading your blogs and it is informative. on a separate note, why are your blogs so short. just 1000 words. i am sure with your experince, it would be fun for us to read longer blogs. regards

re: Tata Capital NCDs – Not a bad idea, sirji

prasad — Mon, 24 Aug 2009 06:33:12 GMT

hi Plz tell me can i buy the Tata Captial Ncd's in secondary market?

re: Top 10 Finance Quotations

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