13 replies on this article “Where to invest in current scenario where return in all investments are pathetic ?”

1. ashalanshu says:

   January 14, 2014 at 2:11 am

   Dear Rahul, why am I not revealing more details of my portfolio? Am i afraid of something? NO. The point is simple. My returns are there due to my investments and in a sense that is past now. The person who is asking to start from now onwards may assume it as a guarantee that S/he ‘ll be in positive all along the way. Both of us are very much clear on this thing that intermittant volatility is bound to happen. Some may come over it and some may not.

   I’m investing for my goals and satisfied with the performance of my funds.

   Thanks

   Ashal

   Reply
2. rahul123 says:

   January 13, 2014 at 11:25 pm

   Hi Ashal,

   I will say that, you are not lying….but at the same time you are not giving much information 🙂

   Thanks,
   Rahul

   Reply
3. ashalanshu says:

   January 13, 2014 at 9:56 pm

   Dear Jinesh, in my individual capacity, I’m investing my personal money in Eq. MFs and I’m in positive. You may make out any conclusion from my disclosure.

   thanks

   Ashal

   Reply
4. ashalanshu says:

   January 13, 2014 at 12:00 am

   Dear Rahul, I’m not at all arguing. Instead of wasting my energy on arguing for future, I w’d like to prepare myself for the future. 🙂

   Thanks

   Ashal

   Reply
   1. jinesh shah says:

      January 13, 2014 at 10:22 am

      Hi Ashal

      Will appreciate if have your individual views.

      Reply
5. rahul123 says:

   January 12, 2014 at 11:22 pm

   Dear Ashal,

   May be we need to wait for 15 mo re years to see, whose argument holds true.

   Thanks,
   Rahul

   Reply
6. ashalanshu says:

   January 12, 2014 at 8:56 pm

   Dear Jinesh, to sooth your nerves, I already said to follow dear Rahul.

   Thanks

   Ashal

   Reply
7. jinesh shah says:

   January 12, 2014 at 10:31 am

   Guys chill,

   Below is my thoughts
   * I am long term investor but though being long term, after 5 years if your mf still yields 5% or less u feel lost on opportunity cost which fd would have given you. Compounding ur wealth.

   * retail investor < 1 lac has always been a sufferer in Indian scenario.
   * a huge ticket size is (money attracts money- structure products, real estate, etc)
   * for retail investors products are as below
   * PPF and traditional post office and bank fd savings.
   * Gold
   * still LIC dominates
   * Fixed income mfs and equity mfs.
   * direct equity ( small proportation)
   Is any body aware if any other product or a company who epecially cares or have a focus on retail investor.
   Almost all financial planners play MF game which is still to see a Long investment cycle in India ( am not aware of any body retiring with a huge MF corpus. but have seen parents friends and parents retiring with huge PPF, Fds and LICs )

   Am totally against LIC and its very opaque and also against traditional products
   have huge MF exposure. (but the fact also remains that in last 5 years have made more returns in FD then MF and feel have lost opportunity in terms of compounding)

   Reply
   1. Ashish Garg says:

      January 13, 2014 at 3:09 pm

      HI Jinesh,

      Just to add to point made by you:
      Almost all financial planners play MF game which is still to see a Long investment cycle in India ( am not aware of any body retiring with a huge MF corpus. but have seen parents friends and parents retiring with huge PPF, Fds and LICs )

      How many of parents (who have retired) did you find who have invested in MFs, hardly any? FDs of course are not bad either but than if you look at history, rate of FD / PF has gone down in last 8-10 years and is not as attractive as they used to be.

      My dad retired from Govt Service and has fair amount of Pension coming, me being a private sector employee does not have that facility and have to think about my future with my own brain and thus have to look at all possible avenues of investing wherein I can have a good returns to live a better future. I have been investing in MFs for nearly 10 years now and have got fair returns in past have used the funds to fulfill certain goal which required the MFs to be redeemed. But this does not stops me from re-investing in MF and keep managing my funds.

      Ashish

      Reply
8. ashalanshu says:

   January 12, 2014 at 4:53 am

   Dear Jinesh, please follow dear Rahul for long term wealth creation. Ignore dear Ashish’s reply as his choice may not be suitable to you as per dear Rahul’s understanding.

   Thanks

   Ashal

   Reply
9. rahul123 says:

   January 11, 2014 at 8:48 pm

   Dear Ashish,

   Whenever if anybody receives returns (less than fd returns or negative), people say think for long term. Is there any guarantee of returns over long term??? How and why are you so confident??? Over a long period market may disappoint you….

   I believer, just to justify somebody to remain invested, this long term argument is used (along with ‘beating inflation’).

   Also note that not everybody wants to remain invested for long term( if there is no guaranteed money).

   FD/PPF is the best investment in India (considering the risk return ratio). Only invest in market if you are financial stable and ready to lose all invested money.

   Thanks,
   Rahul

   Reply
   1. Ashish Garg says:

      January 13, 2014 at 3:02 pm

      Hi Rahul,

      Thanks for sharing your views and appreciate your frank opinion. Unfortunately PPF only allows to invest Rs.1Lakh a year else I would have put all my money in PPF itself.

      Ashish

      Reply
10. Ashish Garg says:

    January 11, 2014 at 6:25 pm

    Hi,

    I think if one is investing for a long term, he should not look at the negative or low returns in 2 years. Over a period of time, scenario shall improve and returns may turn better.

    I personally feel if one is a long term investor, he should make use of the timing where markets are slow and invest small amounts regularly to build a formidable portfolio.

    Ashish Garg

    Reply

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