Ask Your Questions

I know, a lot of readers of my blogs are quite young. When I was that age, I had hundreds of questions on the topic of investment and money management.

At that time I could not find a place where I could put-up my queries. In those days internet was also not as advanced as it is today.

But today the internet has really evolved in terms of the contents & solutions it delivers. The speed of internet has also increased several folds, as a result, these days contents are shared in the from of audios & videos as well.

Today 14-May’2017, a thought came in my mind that why not use getmoneyrich as a Q&A forum. In this forum people can ask questions and it will be open for answering by anyone on internet.

This idea really excited me because there is nothing more exciting for me than solving problems of my readers. For sure, I may not have all the answers. So the questions asked in this forum will be a learning ground for me as well.

But more than that, if I could solve even one problem each day of a needy person, I will consider this forum a success.

I encourage you to pen down your doubts about investments regularly on a separate notebook. Try to find answers of them on internet. If you are not able to get a solution, ask your questions in the comments section below. I will do my best to answer your queries.

 

32 Comments on "Ask Your Questions"

  1. DEEPANSHU GUPTA | September 18, 2017 at 7:20 pm | Reply

    SIR
    I WANT TO INVEST FOR LONG TERM. SIR MY PORTFOLIO IS BIG . I WANT TO PURCHASE SHARES FOR LONG TERM INVESTMENT. I HAVE ALREADY PUR 10000 SHRES OF COAL INDIA @ 257, 22500 ANDHRA @67,1500 SYNDICATE BANK @75, 1700 TALWALKARS @340, 200000 ESL @7.5, ICICI 1000 @320,1500 ITC @280,RATTAN INDIA POWER 20000 @14, LANCO INFRA 20000 @13 ,2000 IDBI @63. SIR I ACTUALLY WANT TO KNOW MY PORTFOLIO IS GGOD OR NOT. HOW TO INVEST IN MARKET. HOW TO CHECK D VALUALTION OF STOCKS.HELP ME

    • In all probability, stock valuation is an activity that investors must do by self. The tip is to learn fundamental analysis of stocks. Estimating intrinsic value of stocks is a skill that can be build with study and practice.

  2. With the recent interest in Artificial Intelligence, can you tell me which Indian companies listed on the stock market are actively working in this field? Also, would it be the right time to buy their shares?

    • Hi Shruti, nice observation. A lot of companies are planning to increase their budget towards Machine Learning. In India, I assume, that it is still early days for AI. But one company that I have read is working heavily on AI, and is also listed in Indian stock market is BOSCH LTD (NSE: BOSCHLTD).

      Moreover, India being an IT hub for the world, software development companies of India must also benefit when more work on AI based programming starts to take place.

  3. Hi Mani,
    At the age of 47 is too old to invest in SIP or Mutual Fund? If yes which is the best option? please advise.

    • SIP is in a suitable mutual fund is for everybody. Select a right fund (debt vs equity balance) as per your risk taking capability and start investing through SIP.

  4. Where can I get the Intrinsic value of an Indian company?

    • Intrinsic value calculation is a complex task. People who know it will never publish. But there are financial ratios which will give a hint of what can be an estimated intrinsic value of a company.

  5. Sukdev Chandra | September 2, 2017 at 8:35 pm | Reply

    Hello !Mani sir . your blogs are wonderful learning path for me. I am 38. I have been investing Rs. 1500 in hdfc balanced, uti mid and utimnc per month. my tenure is 15 to 20 years. Do u think my fund selection is right ? Eagerly waiting for ur reply.

    • If this is all the investment you are doing, I will suggest you to slightly diversify your portfolio.
      You said your age is 38, so have at least 38% of your total invested funds in debt linked plans (like FD, debt funds etc).

  6. Hi Mani

    How reliable stock analyst sheet that your provide to pick the stocks ? I would like to invest in stocks

  7. Hello Sir, I’m 38 years and thinking of investing in MF through SIP of 1lakh every month (60%equity & 40%debt). Is it right time to do, as we are hearing correction is due & will happen in market. Can you please guide.

    • This is not a time we must start a SIP.
      Better will be to wait for the correction to happen. Till then, let those Rs.1L/month idle in your recurring deposit.
      Though I am no financial advisor, but I would have done like this with my money.
      Thanks Ashish for the query.
      Ciao

  8. Harvinder Singh | August 15, 2017 at 11:32 am | Reply

    Helo, I have read your blog on various topics, very useful for an investor. My question is is there any site where I can see the returns of a particular stocks for the previous years, which will be useful for investing in that particular stock.

  9. ASHISH SINGH | July 27, 2017 at 9:38 pm | Reply

    HI MANI NEED YOUR SUGGESION WHAT IS BENEFECIAL IN PAYING PART PAYMENTOF HOME LOAN EITHER TO REDUCE ITS TENURE OR ITS EMI

  10. Hello Mani, getmoneyrich.com provide us very informative and productive. I am from IT technical field. I also want to start a blog in IT technical areas so that I can create a good asset. Can you please put some light on topic that how to start a blog and various ways to get income from blog writting. Or can write a blog about this topic. This will be very beneficial for us.

  11. Hello Mani,
    The information provided on getmoneyrich.com is really productive enough for a beginner like me. I am interested to invest into REIT but very less information is available on the which REIT’s should one invest. Could you please list down some good REITs companies in India to invest in them?

    • Hello Rohan, thanks for the compliment. It means a lot for me. Talking about REIT’s, its still not open for retail investors as on today. If I am not wrong, probably by end of year 2017, some listing is possible.

  12. Hi Mani Sir,

    I need your guidance and help in investing in share market and mutual funds which can give good returns as per the investment. Kindly let me know how to start investing as I am new to the field but very eager to invest in financial market.

    Regards
    Srinivas

    • Hello Srinivas, You can open an account in Fundsindia.com or scripbox. They guide new investors in mutual fund investment. You can also use Fundsindia to buy stocks. But I will recommend you to start with mutual funds for initial 2 years.

  13. hello mani sir, thanks a lot!!!!
    pls guide me 1. whethere we should always take balance sheet figures of standalone or consolidated ?
    2. different site shows different data e.g. p/e ratio, which should we take as reliable?
    3. is sensex p/b ratio different for different companies ?

    • Hello Amit,
      Standalone is better.
      You can take P/E ratio of economictimes in case of confusion.
      Sensex P/B will be same for all companies.
      Thanks,
      Mani

  14. Abdus Salam Biswas | May 30, 2017 at 1:27 am | Reply

    Sir, Could you please let me know the few company names those are having grade 94+? I have seen your video about the technical worksheet analysis.

  15. Anjan Sharma | May 21, 2017 at 1:40 pm | Reply

    Hi Mani,
    Greetings.
    I am a teacher. I want to invest 5 lacs per year in stocks to grow money aggressively with high risk and high gain formula for 3 to 5 years. Can you suggest something? There are many advisors on net like ……assets etc,…….master etc. How to go about?

    • Hello Anjan, If idea is to earn high returns, for sure there will be high risk attached with it. But when we add a factor of “long term holding”, the risk factor becomes manageable.

      If you are not a pro investor, I will suggest you to invest in equity linked mutual funds. There is a website called value Research Online (VRO) which offers their services by rating top mutual funds. I will suggest you to consider picking funds from their website. CRISIL also provides ratings to mutual funds. You can use both CRISIL ratings and VRO ratings to select a great equity linked mutual fund and start investing in them. Following a SIP route will be a better option.

  16. jairam Ramesh | May 14, 2017 at 8:39 pm | Reply

    Hello Mani, I often hear the term beta when dealing with stock. Please explain me, what is beta all about. A common investor should be worried about beta? Thanks.

    • I am sure you are not interested to know the financial definition of beta. So I will try to explain beta with an example. Beta of Tata Steel is 1.32, & Beta of RIL if 0.95, what does it mean?

      Lets assume a hypothetical condition where our BSE Index (Sensex) has given a return of +8% in last financial year. In this case, Tata Steel is most likely to give a return of 10.56% per annum (8% x 1.32). Similarly, Reliance industries is most likely to give a return of 7.6% per annum (8% x 0.95).

      Lets assume another hypothetical condition where our BSE Index (Sensex) has given a return of -12% in last financial year. In this case, Tata Steel is most likely to give a return of -15.84% per annum (-12% x 1.32). Similarly, Reliance industries is most likely to give a return of -11.76% per annum (-12% x 0.95).

      A common investor must be aware of the beta value of their security. When I invest in a mutual fund, I surely look at its beta. If I am investing defensively, I would like to keep beta below 1. If I am investing aggressively I would like to see beta above 1.

Leave a comment

Your email address will not be published.


*