Category Archives: Personal Finance

STOCK RECOMMENDATION:HGS

Posted on March 2, 2014 by Fauji

On 02 Jul 2012, that would be about 20 months, I had recommended a stock as an alternate for a fixed deposit (FD) for retired people. You can read the analysis and recommendation of that stock. Look at my reasoning … Continue reading →

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ASSET ALLOCATION REVISITED FOR A 35 YR OLD

Posted on January 22, 2014 by Fauji

How much should you allocate for wealth creation? I think it is a question which troubles all of us. Anshul Gaur, a regular reader has posed a very pertinent question. It is difficult to write when you watch two beautiful … Continue reading →

Posted in Personal Finance | 11 Comments

ARE TAX FREE BONDS WORTH INVESTING?

Posted on December 22, 2013 by Fauji

In the last few days, there has been a flurry of Tax Free Bonds issued by various Institutions. A number of people have queried about them.  They are a useless investment option. You might as well put your money in DSOPF/PPF/Provident … Continue reading →

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The Sad Truth about IPOs

Posted on December 6, 2013 by Fauji

Benjamin Graham, the father of value investing, writes in ‘The Intelligent Investor’… “In every case, investors have burned themselves on IPOs, have stayed away for at least two years, but have always returned for another scalding. For as long as stock … Continue reading →

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POWERGRID IPO

Posted on December 5, 2013 by Fauji

Do not subscribe to any IPOs and therefore not to PowerGrid IPO either. Why? Because all IPOs are meant to benefit the company, the merchant bankers of the issue and brokers. Everyone else except the shareholder. So, as a matter … Continue reading →

Posted in Personal Finance, Stock Investing | 8 Comments

DIVERSIFY INVESTMENTS AMONGST ASSET CLASSES

Posted on July 16, 2013 by Fauji

This post is inspired by one of the readers, Ms Manisha who sent in a query  seeking my advice on five asset classes to invest in in order to diversify her portfolio. I had written in one of my earlier … Continue reading →

Posted in Fixed Income, Mutual Funds, Personal Finance, Real Estate | 6 Comments

MAIN KYA KAROON, MAIN KYA KAROON?? BUY OR SELL

Posted on June 26, 2013 by Fauji

I just remembered the opening lines of a song from the Hindi movie Barfi ,seeing the gyrations of the stock markets. A lot of my readers have been calling me or querying on what next and what to do?

Posted in Mutual Funds, Personal Finance, Stock Investing, Value Investing | Leave a comment

RUPEE CRASH, SENSEX DIVE & EXPENSIVE HOLIDAY

Posted on June 20, 2013 by Fauji

The heading of my blog seems incoherent. But let me explain. I have just returned from a holiday to Turkey. And towards the end of my visit my ATM withdrawals had become expensive. The Rupee had depreciated by 10%. Yes. … Continue reading →

Posted in Personal Finance, Sensex, Stock Investing | Leave a comment

PONZI SCHEMES & INVESTORS

Posted on May 3, 2013 by Fauji

Of  late there has been a lot of focus on Charles Ponzi. It seems he is more well known than Mahatma Gandhi based on the internet queries and hits for him.  Carlo Pietro Giovanni Guglielmo Tebaldo Ponzi, commonly known as … Continue reading →

Posted in Behavioural Finance, Personal Finance | Leave a comment

PPFAS LONG TERM VALUE FUND

Posted on April 29, 2013 by Fauji

For all of you who have been patiently waiting for the “new fund offer” of a mutual fund I had advised earlier in my blog, the wait is over. PPFAS has opened the new fund for sale of units wef … Continue reading →

Posted in Mutual Funds, Personal Finance, Value Investing | 9 Comments