Tuesday, 30 May 2017

Top 3 Tax Saving / ELSS Mutual Funds in 2017

Posted by RaviKumar Nama 5 Comments
(Published on 30th May 2017)
Most of the people think that Investments for Tax savings will be done at the end of the financial year and used to take wrong investment products in hurry to save the tax for that year. Exactly at this point, the agents of various Insurance companies enter and lure the customers with extra-ordinary promises and will sell out their expensive Insurance products. These Insurance products will not help you out in not only saving your tax but also dent your pockets with huge premiums every year. It is always advisable to think about  your Tax saving products at the beginning of the financial year. This approach will give you ample time to identify the right product. But, what are the good options available for Tax saving in the market which not only save your tax but also provide good yieldings in the long run?

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Friday, 24 March 2017

2 Good Ways To Reduce Your Existing Home Loan Interest Burden

Posted by RaviKumar Nama 4 Comments
(Posted on 25-Mar-2017)
Post to Demonetization, Banks are flooded with cash deposits. This huge cash reserves giving cushion to banks to reduce their lending rates. Hence, Banks started reducing the interest rates from the beginning of this year. Especially, the retail rates that are linked with MCLR (Marginal Cost Based Lending rates) are reduced considerably. However, Banks are reducing the interest rates only for New customers and not for the existing customers. Many people who are already availed Home loans are expected the benefits of Interest rate cuts, but Banks did not transfer the benefits of Rate cuts to the existing customers. Currently Banks are issuing home loans at 8.6% - 9.1%. However, old home loan interest rates are in the range of 9.5% - 11%. Hence, many people are looking the options to reduce their existing home loan interest rate burden. We can consider the following 2 options to reduce your existing  home loan interest burden.

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Monday, 13 March 2017

3 Best Mutual Funds To Invest For Long Term Upon BJP Victory in UP

Posted by RaviKumar Nama
(Published on 13-Mar-2017)
A massive victory for Narendra Modi led BJP in recent UP elections is really a cheer to Stock Markets. Analysts are expecting this victory would give confidence to BJP's second term in the next Central elections which will be held in 2019. This means that the current policies would continue for next 5 - 7 year period. This unexpected land slide victory in UP would give positive indication towards carry out of reforms as well as the Government focus towards Infrastructure and Irrigation sectors. Because of the lack of majority in Rajya Sabha, many reforms are stuck in these sectors. Now, Government may get an edge in Rajya sabha over a period of time, and some of the reforms that are stuck may see light of the day in the coming days. Considering all these factors, I am suggesting 3 best Mutual funds to invest for long term. These 3 Mutual funds would yield better results than other funds in the respective sectors.


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Thursday, 23 February 2017

3 Best Large cap Mutual Funds to Invest in 2017

Posted by RaviKumar Nama
(Published on 23-Feb-2017)
Many readers asking me to provide best large cap Mutual funds to invest for their long term goals. Most of my readers are low risk appetite and conservative investors. The large cap mutual funds are less risky than the mid-cap and small cap funds.  These funds are suitable to the person who do not want to take a higher risk. These funds are also best suitable for the investors who wanted to invest through SIP approach for long term and to yield Inflation-beat returns. I am providing 3 Best Large-cap Mutual funds to invest in 2017. Based on some parameters I have selected these Best Large cap Mutual funds which can help to get superior returns in the long run.


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Tuesday, 13 December 2016

Top 3 Liquid Mutual Funds For Maintaining Emergency Fund

Posted by RaviKumar Nama
Emergency situation may come at any point of time. Either it may be a Medical emergency or Financial emergency or a sudden job loss, but in every such situation, you should have sufficient cash on hand to manage the emergency. If you don't have enough cash, it might result you a huge loss. Hence every one needs emergency corpus to tackle these emergency situations. However, many of us don't know where to keep these emergency corpus. They simply put idle in their savings accounts or at most in a Bank FDs or Postal savings. All these saving instruments provide safety to your corpus. However, when you count the inflation rate, the net yieldings from these saving instruments are almost negligible. So, what are the best saving instrument for keeping your emergency corpus with high safety and better returns than Bank FDs?

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Thursday, 1 December 2016

Best Short Term Debt Mutual Funds For 2017

Posted by RaviKumar Nama
You have been seeing many events from the last few days causing Markets in volatile. Many small investors or traders did not expect these kind of shocks in the markets and lost huge money in few days. Events like US elections, Demonetization in India, FED Rate hike predictions, Strong Dollar  etc. causes Markets to heavy volatility. Because of Demonetization, Banks are being flooded with cash and this will results in Bank Interest rate cuts. Obviously the Bank FD's interest rates would see a decrease in the coming days. The recent developments happening at the central Government will results a huge correction in Real estate and other fixed instruments like Gold, Bank FDs etc. Now, the retail small investors are totally confused to choose the right instruments to save his hard-earned money that would yield inflation-beat returns. Some conservative  readers asking me where to invest their hard-earned money in this volatile period?

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Sunday, 30 October 2016

My Strong Stock Recommendations for Year 2017

Posted by RaviKumar Nama 10 Comments
(Published on 30-Oct-2016)
In my earlier article, dated 01-Sep-2016, 6 Fundamentally Strong Stocks, I have mentioned 6 stocks that are fundamentally strong stocks based on some specific parameters mentioned in the article. I have done technical analysis on these 6 stocks and suggested to enter into these stocks. All these 6 stocks are amazingly performing well and will continue the momentum in the coming days as well. Below, I have given the performance report of these 6 stocks. In this article, apart from my further suggestions on these stocks, I am also giving you list of strong stocks that can be invested now for the Year 2017. As per my analysis, I am believing these stocks would perform extremely well in the Year 2017. We will see what are the stocks that would perform well in Year 2017 in this article.


Performance Report of My Earlier Suggested Stocks:

I have suggested 6 fundamentally strong stocks in my earlier article dated 01-Sep-2016. After 6 months of time, the performances of these stocks are as follows. Check the Remarks column and take decision for further proceedings on these stocks.

Edit: Update of Stock Prices As on 05-May-2017:



*CMP : As on 05-May-2017  

Strong Stocks to Invest For Year 2017:

Based on my strategies, I am suggesting the following 6 stocks that are fundamentally and technically strong and one can invest into these stocks through lump-sum or systematically.

Criteria for Selection of These Stocks:

I have considered the following criteria to select these 6 stocks that are fundamentally and technically strong stocks and will see a consistent and excellent performance in 2017:
  1. Companies that are existing more than 10 years in the Market
  2. Companies that are having Niche products 
  3. Companies that are showing excellent and consistent performance from the last 5 years
  4. Companies that are having PEG ratios between 0 and 1
  5. Companies that are having PB values between 0 and 3
  6. Companies that are having low P/E values
  7. Companies that are showing 'Strong Buy' indications on Technical charts
  8. Companies that are in safe solvency and the Altman Z-score is greater than 8 (out of 10)
  9. Companies that are having Piotroski F-Score is greater than 7
  10. Companies that are having Market Capitalization greater than 50 crores
  11. Companies that are maintaining a healthy and regular dividend payouts  

1. Arex Industries: 

Arex was founded in 1989 by a young technocrat, Mr. Dinesh Bilgi, based on his weaving expertise and knowledge. Arex is involved in manufacturing of Woven Labels which are Satin and Taffeta quality in white or black wrap-base. These labels feature Ultrasonic Cutting along normal hot-slitted edges from broad looms, and soft edges from Needle looms. This Ahmedabad based company incorporating the ‘State-of-the-Art’ technology in the ultra modern computerized plant and  maintain international standards of woven labels and excellent workmanship with a proven track record of adhering to stringent delivery schedules. Coming to the stock performance, it is consistently giving stellar performance from the last 3 years. See the below Performance report of Arex. Based on my technical analysis, this stock would perform extremely well in the year 2017.


2. Trigyn Technologies Ltd:

Trigyn Technologies Limited was earlier known as Leading Edge Systems Limited. It was renamed Trigyn Technologies Limited in July 2000, subsequent to its acquisition of eCapital Solutions (Bermuda) Limited. Trigyn Technologies is an innovative solutions provider and systems integrator that has been in business for 30 years with more than 1,500 resources deployed today. Trigyn provides IT Staffing, Consulting, Solutions, Systems Integration, Digital Marketing and other services to its clients. It has locations in the United States, Canada, Europe, India, Africa and the Far East, working around the clock to bring cutting-edge technology. Coming to stock the performance, this IT stock has been giving superb performances from the last 5 years. In the recent days, most of the IT stocks are not performing well and showing negative growth. But Trigyn is extremely showing excellent performance. This is because of the company penetration in Niche technologies with innovative solutions. The technical analysis showing this stock would see new peaks in the year 2017.


3. Vindhya Tele Links:

Vindhya Tele Links is a leading manufacturer and supplier of Jelly filled Telecommunication cables as well as of Optical Fiber Telecommunication cables to develop products and processes in the zooming Telecom sector. Vindhya Telelinks Limited is the outcome of a Public-Private joint venture between Universal Cables Limited and the Madhya Pradesh State Industrial Development Corporation Limited. Today, Vindhya Telelinks has emerged a leading manufacturer & supplier of Jelly Filled Telecommunication Cables, as well as of Optical Fiber Telecommunication Cables. Almost all leading Telecom service providers like BSNL, MTNL, Airtel, Tata, Reliance Infocom are their main clientele. Additionally, Vindhya Telelinks is providing its product range to the Railways, Defense, Coalfields, SAIL and Atomic Energy among others. They are currently undertaking several new initiatives which will show bright future to the company in the coming years. Both Fundamental and Technical analysis showing a strong BUY in the year 2017.


4. Aksharchem:

AksharChem (India) Limited is an India-based company, which is engaged in the business of manufacturing, marketing, trading and exporting of Vinyl Sulphone. The Company's products include Dye Intermediates and copper phthalocyanine (CPC) Green. The Company operates in two segments: Dye Intermediates and Pigments. Its Dye Intermediates segment is engaged in the manufacturing of Vinyl Sulphone that serves both international, as well as domestic customers. The Company's Vinyl Sulphone is used as a raw material in the manufacturing of reactive dyes, which is having application in color pigments, paints, rubber, textiles, plastics and leathers. The Company's Pigments segment is engaged in manufacturing of CPC Green that serves both international, as well as domestic customers. The Company's CPC Green is used as a raw material in manufacturing of printing inks, paints, rubber, plastics and leather industry. This stock has been showing out-standing performance from the last 5 years consistently. Because of the demand for the products, this stock would see new highs in the year 2017. Both Fundamentals and Technicals are very strong and suggesting to invest.


5. Zenith Fibres:

ZENITH FIBRES LIMITED incorporated in the year 1989 and promoted by multi Crore conglomerate AAEKAY RUNGTA GROUP of Kolkata, is the only Company in India manufacturing virtually the entire range of POLYPROPYLENE STAPLE FIBRE from very fine to coarse Denier. The Company is also involved in the marketing of PP SPUN AND DREF-2 YARN. Its products are very well established both in the domestic as well as in the international market. ZENITH FIBRES LIMITED is an ISO 9001:2008 Certified Company. Fibre is mainly used in Filter Grade Fabrics, Floor and Automobile Carpets, Geo-textiles, Construction Industry etc. Growing Automobile sector, infrastructure development, phenomenal growth in construction sector and many other related industries present a huge market potential for PPSF. Apart from servicing domestic market the Company has a significant presence in Overseas market. The quality of PPSF is very well accepted in both domestic and overseas markets. Hence, we can expect excellent returns from this stock in Year 2017. Fundamentally and Technically this is a strong bet to invest.


6. United Drilling Tools:

United Drilling Tools is a niche company in the listed space from the oil exploration related business.Company manufacturing many sophisticated equipments used in oil exploration industry like Winches,Gas lift valves,mandrels,sliding sleeves ..etc. These equipments are critical parts of oil exploration industry , sophisticated in nature and manufactured by very few companies in India.Earlier company was supplying products mainly to ONGC and Oil India but with the completion of its two units one each at Kandla and Noida ,company is planning to ramp up exports.In another move ,promoters are merging  privately owned companies with the listed entity .Recently they merged P&K Hitech Systems P. Ltd and another one Macro Steel engineers is in progress.Post merger UDT’s equity will be close to Rs.8 Crore. This company may be  an unknown one to the investor fraternity and I believe it even not discussed anywhere in message boards  or discussion forums. Though this is an unknown company to many investors, the company profile and products showing us a bright future to this company. Both Fundamentals and Technicals are very strong. Because of the low volumes in stock market, the progress of the share price is little bit slow but steady and strong in the year 2017.


Fundamental Statistics:



Conclusion:

The above mentioned stocks are fundamentally and technically strong stocks and these Small-cap companies having potential to become Mid & Large-cap companies in the future. I have chosen each stock from the diversified sectors to make your portfolio a complete diversified. Invest into these stocks in Lumpsum or systematically.


Disclaimer:

This data is for Academic purpose only. The data published on this post is just my opinion, based on my own research and analysis and is provided as a general market commentary. As it does not take into account of your personal circumstances, please do not trade or invest based solely on this information. By Viewing any material or using the information within this post you agree that this is general education material and you will not hold any person or entity responsible for loss or damages resulting from the content or general information provided here. 
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