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5:40-42 - "If a man wants to sue you for your coat, let him have it and your overcoat as well. If anybody forces you to go a mile with him, do more - go two miles with him. Give to the man who asks anything from you, and don't turn away from the man who wants to borrow."

10 May 2020



Hi Friends read my investment mantras,   in my blog I have narrated more than 400 articles relates to share market and investment.  My website viewed more than 5, 48,000 individuals from all around the world.  I stared the site since 14.06.2015.  Most of the comments received from clients are appreciating the way of writing and the contents.  From the request from viewers today I am writing my investment mantras in share trading.

I do not believe in short term investment instead I am keeping my portfolio minimum for 3 years and above.  I brief below my mantras for investing shares.

a.       Don’t look multibaggers.  Simply do home work well and find out a well organized company with good growth potential.  One day this company become a multibagger in future time.

b.      Forget Large Cap, Small Cap. Mid Cap etc.  Instead find out equivalent type shares by using different techniques.  In my experience my selected shares reward handsome gains for long term.  I have 25 years of experience in share field.

c.       Don’t look for profits.  Look for sources of profits.  Normally every quarter, even a good company could not give good results due to some temporary reasons.  Always look forward, and future running of the company.

d.      Give it time, be patient.  If you invest in a good industry, strategy for selecting shares looks the PE 10 to 15 and keeps it for 5 to 7 years.  You will wonder the growth in your investment give.  Sometimes 4 times or even more.

e.      Invest in business that you can understand.  If you are not aware of the company products and its demand in the market, don’t go behind it.  Otherwise you know the economic conditions, present govt. initiatives and look which industry may produce good growth, then you select your investment.  For e.g.  Reliance, Infosys,SBI Card, TCS, ITC, Hindustan Liver, Bharati Air tel etc.

f.        Don’t worry about the macro stuff like fiscal deficit, inflation etc, which are unknowable.  Focus on what is knowable.

g.       Don’t buy stocks that have a fixed income.

h.      Review your shares every three months and find out and confirm your holdings are in excellent growth positions.  If it is otherwise, quit that one and invest in other selected shares.

i.         Important- verification of selection of shares – liquidity, sales for last 10 years, N/P for last 10 years, Dividend history, bonus history, equity, book value, reserve, liability, pledging of shares, debt equity ratio, management etc are to be verified.

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Good Luck.                                                       See you later.

10 Apr 2020

STOCK MARKET--What is the most interesting thing about the SBI card IPO?

There are 3 Interesting things about this IPO -
1.      SBI Cards becomes the first pure-play card company to get listed on the stock exchanges.
2.      SBI Cards IPO saw a record number of QIB inflows. The IPO of SBI cards was oversubscribed by a staggering 56 times in the QIB category. (SBI Card 104000 cr, HDFC AMC 93000 cr, DMART 55000 cr, Bandhan Bank 35000 cr, and IRCTC 34500 cr)
3.      The real winner in the valuation game is Carlyle(FII) with a 8.5x return in 3 years!

Whether I would buy SBI Card stock?
SBI Card was the first credit card that I got around 2007. In last 12 years of dealing with them, the services provided by them have been top-notch.
Charge-back requests were dealt with very professionally. Whenever I have to do a transaction during an odd time, I would get a verification call within 15 seconds (you read that right - 15 seconds), by their live transaction monitoring team. In case of a for-ex transaction the currency conversion rate by them was the best among all other credit card providers.

I would often tell my family, “SBI Card doesn’t look like a government run entity. The services are way too good and run professionally. I wish they had their own stock listed in the market.”
My wish seems to be have been fulfilled. SBI Card has recently come up with an IPO and I have invested in it. Even if I am not allotted the IPO, I will invest via the secondary market. I feel, due to the Corona Virus scare, it may not see a bumper listing but from a long term point of view , it may prove to be a great stock to own.
Happy Investing!

26 Mar 2020

Pray for people who are infected with COVID-19 or facing quarantine.

             MY PRAYER TO JESUS-

Jesus, during Your ministry on Earth You showed Your power and caring by healing people of all ages and stations of life from physical, mental, and spiritual ailments. Be present now to people who need Your loving touch because of COVID-19. May they feel Your power of healing through the care of doctors and nurses.
Take away the fear, anxiety, and feelings of isolation from people receiving treatment or under quarantine. Give them a sense of purpose in pursuing health and protecting others from exposure to the disease. Protect their families and friends and bring peace to all who love them. 
Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God.