Investment woes

Dear Friends,I am here posting one of my friends cum 'SEED' Yearly client- Captain.Udhay Kumar and his experince with the Mutual funds investments . he invested in MF and his investment depreciated instead of growth.He shared his dis-comfort with me over phone and also send his post link to me.I would like to post the same here for my... friends here...Hoping this will be usefull unto all of you.You can learn something about investments.Mainly where not to invest and expect massive growth.

Its a kind of alert for all investors.

Link>http://earnfrominternetfree.blogspot.com/2011/01/investment-woes.html

'Investment woes '

Wednesday, January 26, 2011at 1:06 AM

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I had a great learning experience recently, in fact less than a week ago. I learnt that I am financially still very uneducated. I can live with that but what is bitter and unpalatable is the fact that the financial world where we invest our savings to reduce the tax burden and hope for a sizable growth in income, would prefer us to stay that way.

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The year was 2008 and it was the beginning of the year and I was on the look out for a lucrative ELSS option where I could park my 1.0 lacs and avoid taxation on that amount.

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The rest was easy. Very prudently I was advised to diversify my investment into more than two investments and what better than Mutual funds and ULIPs, I was told.

I invested 60000 that year .

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1. Fidelity tax advantage fund - 20000

2. Life Stage pension plan withICICI Prudential - 20000

3. Reliance Mutual fund - 20000

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The rosy picture that was painted suggested that I would be richer by 6-10 lakhs in three years time.Since the lock in period was three years, over the three year period from 2008-10 I had invested 1.80 lakh. So far so good. My wife who is less educated than me but is more shrewd in money matters consulted her friend and came to the realization that we should open a de-mat account and invest directly in the equity market shares every month and let it stay there for long term benefits. Her friend had advised her not to pin high hopes on mutual funds, pension plans and ULIPs. I ignored her advice.

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I resigned my job in 2008 and joined another company where I was not able to survive the probation period and from Oct 08 to Jan 10, I was without a job. In Jan 10 I got a job and was paid for six months and ever since I have not been paid my salary. But things are improving and I will start getting my salary from February.

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Fast forwarding to 2010 . It is the month of January again. I have no money to invest in my mutual funds , pension plans. I have no income, so where is the question of 80CC exemption.I decided to visit my financial partners ICICI Prudential , Reliance Mutual Fund and Fidelity to see what is my current investment worth after 3 years.

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The current investment is listed below.

Name ............Inv amt..... Curr. value...... Surrender value after 3 yrs

1.ICCI Prudential.....60000.... 66000.....61000( 92% of current value approx.)

2. Reliance Mutual fund ......60000......56000....53000 (95% of current value)

3. Fidelity ...................60000 .......56000 ...yet to redeem.

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I have made the redemption request for the first two and should have the 1.14 lacs in two weeks time. Fidelity, I have a few change of bank address issues and will be able to submit my redemption request after 2 weeks.

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I am not sure if the value is going to remain at 56 k or fall further. I don't know if I should spend this money and hope for the best. My wife is still hopeful and I have started listening to her advice. I want to meet that friend of hers who suddenly seems so wise.I have decided to open a de-mat account.

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I am closing in on the half century stage . I am hopeful that I will earn for another 20 years and be able to survive and look after my family of four.

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I have one simple question for the cos. mentioned above ' Are you guys so incompetent that you cannot show a growth of 15% per annum for 3 years, What do you do with the money invested by people like me ?

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Technical analysis says that when ever a stock price rises, it will continue to rise till there is break. This continuous rise in the price of the stock is known as 1.Uptrend. On the other hand when ever the price of the stock falls, it will continue to fall until the situation changes. This is known as 2.Downtrend. A chart is a combination of up trends and down trends.

As a investor or analyst we need to figure out the starting point of the uptrend to take a position and ending point of the uptrend so that we can make maximum profit. Similarly a buying decision in down trend can be taken at the end point of the down trend. Hence we use various methods in technical analysis to identify these trends.

In the chart shown above the price starts falling and the trend become DOWN, and the price again move up and the trend Become UPTREND.You can view/identify both these trends a line drawn in the chart.

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There is another trend is called 3.SIDE WAYS.

In side ways trend the price will held in a narrow cage and move side ways.When this happen we will not have buy and sell chances.Where us in up trend one can buy at low and sell at high.In Down trend one can sell at high and buy at low.The price differences between buy and sell is your profit.

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How to identify when to buy/sell !!!

We need to understand various technical parameters/analysis.There are so many indicators and chart patterns through which we can identify/will know when to buy and when to sell.It is a big study.We will discuss one after another ...

How to make the best use of bear market?

When ever I inform the market may trend lower I get lots of queries questioning my views.

Investors are worried about the bear markets as they tend to lose a lot of money when the market turns down. In fact we can turn the bear market to our advantage. We have to understand that every crisis creates opportunity. If you understand this maxim then you can always make money in the market. Technical chart patterns foretell the bear market by showing distinctively bearish formations, marked by lower highs and lower lows. Prices that had previously supported market declines will be broken through and new lows established on a daily or weekly basis.

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Once you recognise this pattern you should be ready for a big opportunity.How to make money in the bear run?

We should increase the cash level when we recognize that the bear market is coming to start. Once stocks have declined by a large amount, we should know to pick undervalued stocks and start buying again. Often times the bear market is closest to the end when the majority of investors and the general public are most pessimistic, convinced there are sure to be lower prices and rougher times ahead. Once you know to recognize this trend you should invest in value stocks and stay invested in them even if they tend to go lower. This way you can make huge money in the market and the legendary investors like Warren Buffett, Ben Graham and Philip Fisher have made tons of money in the market by following this simple strategy. In the last bear run we had given several stocks which had gone up by at least 5 times in short span of time. Let us welcome the bear run and learn the simple technique of making money.

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For example:- We gave Delta Corporation Ltd in March-10 @ Rs.32 and we sold the same at Rs.138/- In 8 months time,its gone to 431%-.This is how your investment will grow.We offer this type of 'multibaggers' calls to our paid clients.To provide 1-call every month you need to pay our yearly subscription.Mail Us:- for getting our 'Power Point Presentation' which has all details about our plan/strategy.One can easily understand it.

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‘HAPPY PONGAL’

Dear friends,
Wish you all ‘HAPPY PONGAL’ (or) ‘MAKKAR SANKRANTHI’

The Pongal festivals is one of my favorites.In our culture we have many meaningful festivals.Pongal is one such.

The Pongal is the clebration to show all our love and gratitude towards Nature(Sun,moon,rains&all seasons) Farmers and the cattle animals like cow,bulls.On the day of pongal we worship the nature mainly SUN.We offer the sun all our surrender and show our gratitude.Without the sun light no plant can grow.The photo synthesis is done by the sun light.The over all nature and the seasonal changes,the rain in time all help the farmers to make a better yield.We also thank our farmers hardwork.

In the villages of tamilnadu the pongal will be really clourfull.The previous nights of pongal the street in front of the house will be cleaned and cultured to draw many varities of KOLLAMS.In this kolloam you can mainly notices the picture of sun,farmer,pongal pot,sugar-cane etc.They express the gratitude to all the “ADIHITHI&PIKRUTHI” Deava’s(GOD).The sweet pongal is made in the street just before the sun rise.when the pongal is cooked the pubbles that comes out during sun rise is special.The women will make a sound of twisting the toungues.Its very unique sounds and really vibrates one nerve.The childrens all shout ‘Pongallo Pongal’.It is really a rare experience to be felt. After the sun rise they offer the food to crow’s and once the crow touched food then only the people will eat. What a kind of offerings it is. Really a much matured way of doing things. Our forefathers discovered this festival to share our love with every one.


In my childhood days we get up early around 4am in the morning and in the cool climate we will swim in the river and come soon home to help my parents to make arrangements in the street to make sweet pongal and place all varieties of vegetables in a decorative way and all these meant to offer the sun god.

Think once….???
Can you eat one meal without the support of farmers, sun or mother earth?
It is impossible. We all are totally depends for our each meal in the support of Adithi&Pikruthi.Our food supply chain is in complete without the supports of our farmers.in pongal we include all nature,farmers,animals etc to show our love& Immense gratitude.

The children will go to the elders and touch their feet to get their blessings. Mainly in the joint family it is really much joyous. The grand parents love their grand children’s and bless them and offer little money to show their love. I used to have a collection of so much money during my child hood. Those day’s the 20 paisa is big money for a child. I used to get Rs.20-30 in those 2days and enjoy my school days by spending.

The day before pongal is called POGI.where the unwanted house waste will be burned.The next day to pongal is called Kannu/Mattu pongal.The cattle like cow&bulls are cleaned/bathed and whole of its body and horns will be painted .The neck will be tied with flowers and so many gift items and money.The cow/bulls offered a pooja and they allow it to move freely.the children on the street are eager to plug the gift form its neck..the cow’s run fast and they chase and catch it.Who ever get the gift considered to be the lucky one.The other version of this only called Jallikattu where they fight with bulls.It is considered to show the braveness of men. Some how I hate this. Because this is dangerous to men and torture to the bulls.

Anyway wish you all happy pongal.

Technical Analysis’ Based on three assumptions-

1.The Market Discounts Everything.

2.Price Moves In Trends.

3.History Tends To Repeat Itself.

Mission of Technical Analysis:-

• Foresee the trend in advance and beat the crowd.
• The Overall markets are 80% Psychological and 20% Logical.
• Thousand and thousands of people make their first trade everyday.
• Technical Analysts employs tricks to take advantages of ‘Dump Money’
• The photo shown here is Larry Williams>- Larry Williams one of the pioneer in TA,Entered in trading competition and returned over 20,000% in a year

Larry Williams is one of my roll models in field of 'Technical Anlysis'.He is the one who found the 'Williom R%' indicators.He has devised many such indicators and still not reavealed it to the public and use all his tactics for his own trades and almost win in all his attempts and made massive wealth.

DO YOUR DUTY WITH FULL INVOLVEMENT

NO MATTER WHAT YOU MAY DO..

DO WITH INVOLVEMENT (OR) DEDICATION".

Here a story that will make you the importance of one's duty.Like krishna says in Karma yoga do all your duty without expecting the fruits.Any karma Yogi does this and attain the Pinnacle....

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An elderly carpenter was ready to retire. He told his employer-Contractor of his plans to leave the house-building business and live a more leisurely life with his wife, enjoying his extended family. He would miss the paycheck, but he needed to retire. They could get by. The contractor was sorry to see his good worker go and asked if he could build just one more house as a personal favor. The carpenter said yes, but in time it was easy to see that his heart was not in his work. He resorted to shoddy workmanship and used inferior materials. It was an unfortunate way to end a dedicated career.

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When the carpenter finished his work the employer came to inspect the house. He handed the front-door key to the carpenter. "This is your house, he said, "my gift to you. "The carpenter was shocked! What a shame! If he had only known he was building his own house, he would have done it all so differently.

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So it is with us. We build our lives, a day at a time, often putting less than our best into the building. Then with a shock we realize we have to live in the house we have built. If we could do it over, we'd do it much differently. But we cannot go back. You are the carpenter. Each day you hammer a nail, place a board, or erect a wall. "Life is a do-it-yourself project," someone has said. Your attitudes and the choices you make today, build the "HOUSE" you live in tomorrow. Build wisely!

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"DO YOUR DUTY WITH FULL INVOLVEMENT AND LOVE.NO MATTER WHATEVER YOU MAY DO,DO IT WILLINGLY OR NEVER DO IT"

Save Water

"Save Water" and Save Our Environment.

Count each drop's of water that you may waste without awarness.Water is one of the precious drink of mine and almost all of us. No Water; No Life....The body compositin is almost made of 70% water.

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In India we are paying for a cast to get a quality drinking water.What a shame is this !! The basic responsibilities of any Govt. is to provide basic amenities to all its citizen.

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Providing the quality drinking water is one of those.Where us here many so called water manufaturing factories seems to follow no standard.Each day there are new water companies that grow like a mushroom.We as a citizen paying money for water and inviting trouble for our own health.The Filtering/purification or the plastic material (They dont wash it seems) all are substandard.But still we have no way out.we all depends on these suppliers for our need..There is a way out...

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I saw in news paper some time back- a chennai based 'iit 'students deviced a equipment which suck the atmosphere air and filter the O-2 & Hydrogen and composite into H2O.here the water is 100% pure in quality.Every house can hold this to fullfil the family driking water needs.

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The Govt/Funding agencies/Ngo's join in hand to support this mission and eradicate many sub-standard water units from our nation.not only that here the water comes almost free of cast.Encourage young innovators more to achive this mission.

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Also remember the poltician failed out to connect all our rivers into one. so the the water that go to ocean can be saved/used for producing more agri commodities..It is a very huge project that may require billions of dollars but still worth doing it.The china has already done it and set an iconic example . why not we indian.The people are in power,the public,the farmers all do their support for this cause.Lets continue of effort.stop not till things are accomplished.