Foreign Direct Investment Equity Inflows in India from January to November 2014

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Foreign Direct Investment Equity Inflows in India upto November 2014 , JhunjhunwalasFinance
Foreign Direct Investment Equity Inflows in India upto November 2014

#FDI #ForeignDirectInvestment #EquityInflows to #India during January to November 2014.

#ForeignPortfolioInvestors #FPI #ForeignFunds #InternationalInvestors #EquityInvesting #IndiaFDI #InvestIndia #Investment #IndiaInvesting #FDIEquityInflows #JhunjhunwalasFinance

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Foreign Direct Investment to India during January to September 2014

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Foreign Direct Investment in India during  January to September 2014
Foreign Direct Investment in India during January to September 2014 
Foreign Direct Investment in India during  January to September 2014
Foreign Direct Investment in India during September 2014 

#FDI #ForeignDirectInvestment #EquityInflows to #India during January to September 2014.

#ForeignPortfolioInvestors #FPI #FII #ForeignInstitutionalInvestors #ForeignFunds #InternationalInvestors #EquityInvesting #IndiaFDI #InvestIndia #Investment #IndiaInvesting #FDIEquityInflows

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Keep Calm and Invest Long Term …. but wisely

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Keep Calm and Invest Long Term .... but wisely

Keep Calm and Invest Long Term …. but wisely

Knowledge Investing is your way to future

7 Enticing Facts About Investing Returns Over the Past Two Decades

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7 Enticing Facts About Investing Returns Over the Past Two Decades.

The last decade has felt like a particularly rough one for investors, so I was surprised to learn recently that the S&P 500 (SNPINDEX: ^GSPC  ) has had only one negative year over the past 10 years. That was just one of the many intriguing facts that I discovered by looking at The Callan Periodic Table of Investment Returns.

Callan’s table plots the annual returns for key indexes in rank order over the past two decades. The nine key indexes are: S&P 500; S&P 500 Value; S&P 500 Growth; MSCI Emerging Markets; MSCI EAFE; Russell 2000 (RUSSELLINDICES: ^RUT), Russell 2000 Value; Russell 2000 Growth; and the Barclays Aggregate Bond Index.

Among the surprising facts I learned are:

·         The MSCI Emerging Markets Index has led all of the other key indexes in seven of the past 10 years.

·         The Barclays Aggregate Bond Index has been at the bottom of the table in seven of the past 10 years.

·         Small caps (Russell 2000 Index) have outperformed large caps (S&P 500) in seven of the past 10 years.

Just as my pattern recognition faculties began making sense of things, I also learned, however, that:

·         The MSCI Emerging Markets Index came in dead last among all of the key indexes in five of the 10 years from 1993 to 2002. It came in last overall for seven of the last 20 years.

·         Even though the Barclays Aggregate Bond Index came in last seven of the past 10 years, it crushed the S&P 500 by over 42 percentage points in 2008.

·         And while small caps tended to outperform large caps in most years over the past decade, large caps outperformed small caps for five consecutive years from 1994 through 1998.

So what should we make of this somewhat contradictory array of market data?

Perhaps nothing at all. In fact, all of this data might serve as a perfect example of our all-too-human desire to make patterns out of random data. Resisting the urge to make investments based on our pattern-creating tendencies might just save us a lot of money over the long run.

Your most dangerous investment advisor
In his classic book “Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich, the investing writer Jason Zweig warns of the dangers of searching for patterns in random data. He writes that, “When it comes to investing, our incorrigible search for patterns leads us to assume that order exists where often it doesn’t.”

In Zweig’s book, Professor Michael Gazzaniga talks of the part of the brain known as the “interpreter,” which is constantly searching “for explanations and patterns in random or complex data.” Relying on the interpreter in investing is particularly dangerous because we may think we’ve identified a pattern that is more likely an illusion.

For example, we might look at the Callan Table and conclude that small caps will outperform large caps over the next 10 years because of their record of relative outperformance over the past 10. Or we may determine that it’s not worth diversifying our portfolios with bonds, since they’ve consistently underperformed the other indexes in most years over the past decade.

Those are just two very simple examples for illustration purposes, of course. The real takeaway from looking at the Callan table is that we shouldn’t leap to conclusions when interpreting market data. Indeed, Zweig notes that the problem with pattern recognition and the investor brain is that it’s unconscious, automatic, and uncontrollable.

We may conclude, for example, that investing in the MSCI Emerging Markets over the next decade is a can’t-miss-idea solely because the index has been on such a roll over the past decade. Such an approach would probably be very unwise, however. A much better reason to invest in emerging markets would be because your extensive research leads you to believe that those countries will perform well going forward due to their strong economic fundamentals.

For me, the Callan table really drives home the importance of both dollar-cost averaging anddiversification within your portfolio. I don’t think most investors are capable of timing the market. And I suspect the vast majority will never know which investing style or asset class will be in or out of favor at any given time. Relying on our “interpreters” to make those decisions will likely end very badly.

Don’t get burned
Zweig notes that the Ancient Scythians would burn to death any soothsayer whose predictions failed to come true. Thankfully, we don’t have to worry about such extreme consequences if we decide to predict the future based on a snapshot of historical market data. We could lose a lot of money, however, which alone should be enough to discourage us from pursuing such a dubious strategy.

Women and Money

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A lecture by Ms Sujata Kabraji on the ‘10 Financial Mistakes that Women Make and How to Avoid Them!’. Using her years of experience as a stock broker and financial planner, Ms Kabraji made matters clear to all those in the audience, no matter how financially inept. With her fun slides and honest advice, she managed to make a dull subject very interesting. Here’s what she said.


I’m young and I wanna have fun!

Ms Kabraji started her lecture by advising young women to think about what better use they could use their money instead of splurging on shopping and entertainment. She said, “In my early 30s, I used to go out with my friends about three times a week. It would cost me around Rs2800. I’m not here to tell you what you shouldn’t do, but if someone had told me what I would have earned if I had put aside that money at least some of the weeks, it would have an impact on my life.” Ms Kabraji said that it may be good to note what you’re spending on each week and then cross out the things you really need.

I’m smart, I have life insurance!


A lot of people believe that life insurance is for investment, not protection. However, insurance agents promote investment-oriented insurance policies, as these give them more commissions. Ms Kabraji says, “You only need to remember one type of insurancepolicy – term insurance. I would also advise you to only buy insurance if you have dependents. I think it’s good to ponder over whether you actually need insurance. A lot of us buy term insurance simply because it gives us tax benefits.”

Health can eat into your wealth


Health insurance is important. Unlike life insurance, all of us need health insurance. This goes for those covered by corporate plans, too. Ms Kabraji says, “A friend of mine, Sheetal, was insured by her company for Rs5 lakh. Her parents were also insured for Rs3 lakh. Then her company went through a rough patch and she was offered voluntary retirement. She took it and start a small business from home. When she then went to take her own medical cover, she was asked to do her medical. She was diagnosed with diabetes. Now, her policy doesn’t cover diabetes-related diseases and is costing her an arm and a leg.” Ms Kabraji, therefore, advised participants to buy health insurance early on.

Honey, tell me where to sign

Too many women sign wherever their husbands ask them to, no matter what the documents. This includes wills, property, cheques, and other important documents. Ms Kabraji said, “A dear friend of mine was left pennyless and husbandless after her spouse left for a younger woman, after not bothering to look at what she was signing.”

Dip your toe into the water, girl!

Women are often frightened of investing in anything but gold. Ms Kabraji advised participants to look at inflation-adjusted returns. She said, “Gold gives poor returns after inflation. Comparatively, equity delivers much better returns and is a way to beat inflation.” Ms Kabraji said that volatility is unavoidable if you want to grow your money.

Tax slab? I prefer chocolate slabs!

Ms Kabraji said that just because you’re saving money doesn’t mean you’re not making a mistake. She says, “A client of mine, when she was under 30, had saved over a crore. She had a high-paying job. She would also save her money. But she would only put in fixed deposits. Last year, she was earning 10% a year. But this would’ve made the tax department very happy. On Rs1 crore, she would have been paying Rs3 lakh to the tax department. When she came to me for help, I just moved her money to a product with a lower tax liability.”

Make sure you have the money to party on!

A lot of women think first about their husband and children, but forget that statistically they’re more likely to live longer than their husbands. She says, “You need to remember that you may live until well after everyone else is gone. A friend of mine spent all hermoney on her kids, without thinking about herself. When she quit her job, she had just Rs35 lakh, which she got as lump-sum on retirement. Surely, this won’t be enough for the next 30 years. Had she been smart about her money early on, she may not have been in the situation she is currently in.”

Ugh! Paperwork

Both men and women have the tendency to avoid what requires even a little bit of paperwork. When paperwork is avoided, a lot of problems can crop up. Ms Kabraji says, “If we don’t do the paperwork, we’re bound to find ourselves in bad situations. There are bad and good stories related to avoiding paperwork. Let me tell you a happy one. A friend of mine had three cupboards full of papers that belonged to her parents. She didn’t go through them. When she did, though, she found that there were Tata shares worth crores just lying in the cupboard.”

Will? What’s that?

It’s easy to disregard what is yet to come. So we constantly postpone making a will. But this is far from the right decision. Ms Kabraji says, “My parents did a wise thing by telling their three daughters how the family wealth would be split while they were alive. We were told to raise our objections while they were alive, not after. Making a will may not be prevent problems later on, but it does at least put your foot in the door.” Sujata Kabraji then went on to explain which relatives the Indian Succession laws let come after your money.

Numbers make me cross-eyed

It’s easy to be confused by numbers, but there’s no point running away from these calculations. Ms Kabraji said, “I am a statistics major, but I can’t do any mental math. I need a calculator. The solution is not avoiding the complications of a financial product. All you need to do is ask the right questions.”

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The first goal of investing is to beat inflation

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Invest to beat Inflation

Small Trades Journal

[updated on 7/30/2014 with a different opinion.]

Inflation is the “general increase in prices and fall in the purchasing power of money” (1).  The basic reward of investing, as opposed to hoarding cash in a safe, is to earn returns that exceed the rate of inflation.

Another opinion

“The purpose of investing is not to simply optimise returns and make yourself rich.  The purpose is not to die poor” (2).


1.  Google search engine, 3/2/2013

2.  William Bernstein, Rational Expectations: Asset Allocation for Investing Adults.   2014.


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Young investors have the advantage of time

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Start young ….. and enjoy your growth

Small Trades Journal


The breakeven point at 22 years is a milestone to show when the young investor’s retirement savings surpass the projected total payment of $51.  At this milestone the ‘investor’ will have $53 and the ‘hoarder’ will have only $23.  The ‘hoarder’ must wait 50 years to accumulate $51 and can never match the investor’s savings of $464 reached through the magic of compounded returns.

There is no guarantee that investing $1 per year will generate $464 after 50 years, but history tells us the chances are pretty good.  We are assuming that the market generates dividends and capital gains at the average annual rate of 7%.  The dividends and capital gains are called returns.  Faithful reinvestment of these returns will multiply the accumulated value of our imaginary investment by 7% per year.  If $51 generates $464 after 50 years, the compounded returns are $464-$51, or $413.  Learn about becoming a young investor by reading Hey Kids.

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Rich Dad’s Guide to Investing by Robert Kiyosaki

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knowledge is you way to wealth


Robert Kiyosaki author of ‘Rich Dad Poor Dad’ travelled the road to wealth just as you and I are doing. He was fortunate to have his best friends father,who was financially successful, as his guide and mentor. His journey was certainly not ‘get rich quick’ he had his ups and downs along the way. His rich dad said to him, “All you need to do to make more money is simply focus on becoming a better investor.”

So it comes back to education yet again, ‘Rich Dad’s Guide to Investing” can certainly help you on your investment journey.

Robert Kiyosaki with Sharon L. Lechter CPA, have covered the rules of investing from the basic investor to the sophisticated investor level in this part 3 of the ‘Rich Dad Poor Dad’ series. It is a learning book covering subjects from, being prepared mentally to invest and becoming financially literate, to asking…

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