| Author | Message | ||
     Redbull Comedian Username: Redbull Post Number: 1324 Registered: 03-2009 Posted From: 195.43.48.145 Rating: N/A |
non-resident mortgage interest rate 14.75% to 16% anta veedu...asalu oka maadhiri gaa koodaa kanapadaledhaa NRIs..aa interest rate enti... andhuke naa full potential.. just kidding  | ||
| Amigo Comedian Username: Amigo Post Number: 1167 Registered: 05-2011 Posted From: 144.160.226.53 Rating: N/A |
All_day bro What is your previous id? Ma friends andaru discussions lo Health Care sector ba chesthadi ani antunnaru...andhukani...no other reason. In fact it was small cap and I changed to HC. 25% in bond+mm endhukante.....early 2000s lo pedda debba aindhi...small cap +mid cap lo.. | ||
| Feelgud Junior Artist Username: Feelgud Post Number: 243 Registered: 06-2009 Posted From: 168.159.160.57 Rating: N/A |
good scalable business and .. promoters integrity .. page , titan, gruh still have lot of potential..i still invest in these companies regularly www.TheLinuxDesk.com | ||
| Feelgud Junior Artist Username: Feelgud Post Number: 242 Registered: 06-2009 Posted From: 168.159.160.57 Rating: N/A |
Well I have started my stock market journey with NTPC ipo 8 years back.. just like any fresher into stock market i was so existed after getting 30% profits in that .. then i took the personal loan of 2 lakhs from icici and invested in stock market then i ended up with 40000 rs .. then i moved back to usa on assignement i made around 25 lakhs .. there i stared reading the books by peter lynch and warren buffet that changed all my investing style .. then i got introduced to http://www.myjourneytobillionaireclub.com/ slowly i stared withSIP with MF , gold , bonds and all .no good returns . after that i meet wonderful people like basant in theequitydesk.com .. that changed my entire thought process .. www.TheLinuxDesk.com | ||
| Redbull Comedian Username: Redbull Post Number: 1323 Registered: 03-2009 Posted From: 195.43.48.145 Rating: N/A |
okie that means you would have invested into these 3-4 years ago.. in my view, were you dare enough..to push that much money into mid sized stocks...it worked out for you congrats..but can we really judge always in these mid sized sector.. can u name few as of now,..which has atleast half of the potential as above stocks | ||
| Feelgud Junior Artist Username: Feelgud Post Number: 241 Registered: 06-2009 Posted From: 168.159.160.57 Rating: N/A |
dlm is my junior my old id Transcendental ..i joined at the same time of elcamnio,humty dumpty.. 1) TTK prestige ( kitchen appliance) .. suggested by wife .. sometimes common sense makes more sense than toomuch knowledge ..it gave highest returns for me 2) titan industries ( lifestyle company) 3) page industries ( jockey india) 4) Gruh finance ( HDFC son) www.TheLinuxDesk.com | ||
| Maverick Legend Username: Maverick Post Number: 40689 Registered: 01-2008 Posted From: 204.86.209.200 Rating: N/A |
feelgud nuvvu dlm va? aa 4 stocks emiti? Who is this DB member? | ||
| Feelgud Junior Artist Username: Feelgud Post Number: 240 Registered: 06-2009 Posted From: 168.159.160.57 Rating: N/A |
i own 4 stocks .. total worth of 22 lakhs .. after last 3 1/2 years it became 69 lakhs ,, why just 4 stocks "Diversification is Protection Against Ignorance" Warren Buffet www.TheLinuxDesk.com | ||
| Redbull Comedian Username: Redbull Post Number: 1322 Registered: 03-2009 Posted From: 195.43.48.145 Rating: N/A |
Nice thread.. hello gurus..what should be ideal size of your portfolio..i.e how many sticoks shud we own in a portfolio | ||
| Outlaw Comedian Username: Outlaw Post Number: 1326 Registered: 02-2012 Posted From: 66.193.93.3 Rating: N/A |
deniki inta pedda thread a ? emi kavali emi allocate seyyali seppu nenu sesi pedta | ||
| King Side Hero Username: King Post Number: 3826 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
I am trying to do it in US. Thx Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Feelgud Junior Artist Username: Feelgud Post Number: 239 Registered: 06-2009 Posted From: 122.178.208.51 Rating: N/A |
if you are new to india finance . i suggest start with the books available at http://investta.com/viewtopic.php?f=13&t=4713 then http://www.myjourneytobillionaireclub.com/ then the ultimate www.theequitydesk.com let me know if you need help .. www.TheLinuxDesk.com | ||
| Jacksparrow Side Hero Username: Jacksparrow Post Number: 4594 Registered: 07-2008 Posted From: 195.212.29.64 Rating: N/A |
ee point emanna intersting ga undaa? retail entry level takkuva undani (5 lks) manasu peekutondi.. 1st october tarvata its 1cr entry level for retail individual investor... initial ga they closed in on a residential project in pune west...and among various other opportunities being considered for investments, one or two levels of due diligence has been completed in residential projects in Bangalore, Pune, extended suburbs of Mumbai Metropolitan Region, Chennai and Kolkata. All the aforesaid projects are in the mid income range, with sale price ranging between Rs. 2200/sft to Rs. 4500/sft. | ||
| King Side Hero Username: King Post Number: 3825 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
Tahts what I am trying to understand. I already lost a fortune doing trading and thats what preventing even to move a penny into stock market. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 654 Registered: 11-2011 Posted From: 203.83.248.37 Rating: N/A |
Okay. I just read the basic info on that link you had, that did not have all this detail. One thing i can definitely say is that they can't promise a return of 12%. No mutual fund can promise a return to their investors as per SEBI rules. Even large PE funds, with great pedigree internationally, are struggling to return money to their LPs on their India funds, leave aside generating returns. I would be doubly careful of funds like LIC. | ||
| Jacksparrow Side Hero Username: Jacksparrow Post Number: 4593 Registered: 07-2008 Posted From: 195.212.29.64 Rating: N/A |
initial entry is only 5 lakhs bro... rest of the 20 in 5 installments over 2.5 years.... 4th year lo they give full principle amount back... and then whatever profits (from sale of infra assets) from 4th to 6th year in 80:20 ratio... they give 12% returns from the start of the fund... oct 1st... they have to close the fund at the end of 6th year due to a sebi rule... | ||
| Feelgud Junior Artist Username: Feelgud Post Number: 238 Registered: 06-2009 Posted From: 122.178.208.51 Rating: N/A |
filmbuff and others , why you are fond of mutual funds and bonds ..i have started my financial investing with them only , after gaining knowledge in stocks .. i have moved my money into stocks for very longterm investing .. i am sucessfull www.TheLinuxDesk.com | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 653 Registered: 11-2011 Posted From: 203.83.248.37 Rating: N/A |
I have not heard of this. But i hope you are aware that is is a typical PE fund with the standard 2%/ 20% PE fee structure. You can't exit for 6 years or possibly 8. And the investment limit for retail investors here is a minimum of 25 lakhs. This carries all the risks and rewards of a PE/ VC fund. In my view, i would be wary of investing in a PE fund backed by a LIC or UTI. You don't know what goes behind their investment decisions, what political pressures might underlie their investments etc. Above all, am not sure with their kind of pays how they will be able to hire and retain good investment managers. So it does sound a bit iffy to me. If you are interested though, don't have it as a sole investment. If you have 2 crores to invest and don't mind putting in 25 lakhs in a private fund, then it is okay. But if you have only 50 lakhs to invest and use up 25 lakhs here, it is not a good diversification strategy. | ||
| Jacksparrow Side Hero Username: Jacksparrow Post Number: 4592 Registered: 07-2008 Posted From: 195.212.29.64 Rating: N/A |
Dora, have u heard of this lichfl urban dev fund? http://www.lichflamc.com/lichfl-urban-development-fund/ let me know ur thoughts if u r free... Successful Track Record: The previous fund managed by part of the team returned 49.5% of the capital to Investors, within 2 ½ years of fund closure and achieved an average fund IRR of 37%. | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 652 Registered: 11-2011 Posted From: 203.83.248.37 Rating: N/A |
The interest rates in IN can only go down from here, Hence from a rates viewpoint the bonds can only do well. Meeku bond maths vosthe, current price meeda YTM calculate cheyandi. See if you are comfortable with that return. My hunch is that it should be okay. | ||
| Feelgud Junior Artist Username: Feelgud Post Number: 237 Registered: 06-2009 Posted From: 122.178.208.51 Rating: |
King, Do what you understand. Dont get to someone else shoes.. i invest 100% into stocks .. dont do any trading. for last 3 years 85% CAGR good luck www.TheLinuxDesk.com | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 651 Registered: 11-2011 Posted From: 203.83.248.37 Rating: N/A |
Definitely better than PPF. That is why High networth individuals went for the kill on this. The only caution is that the prices of these bonds went up by 7-8% and now currently trade at around 1070-1080. So your YTM might be lower than what the coupon suggests. | ||
| Redbull Comedian Username: Redbull Post Number: 1321 Registered: 03-2009 Posted From: 195.43.48.145 Rating: N/A |
i think NHAI is trading at 1049 now..do u reckon still we can enter | ||
| Redbull Comedian Username: Redbull Post Number: 1320 Registered: 03-2009 Posted From: 195.43.48.145 Rating: N/A |
got it..thanks for your suggestions...very good instrument compared to PPF as ppf has locking period of 15 years | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 648 Registered: 11-2011 Posted From: 203.83.248.37 Rating: N/A |
Meeru kavalante eeroju sell cheyyachchu market lo. They are very liquid and trade well on NSE. Redemption (that is when the company returns the money) will happen only after 10-15 years. | ||
| Redbull Comedian Username: Redbull Post Number: 1319 Registered: 03-2009 Posted From: 195.43.48.145 Rating: N/A |
brother how about redemption..suppose if i want to exit before 10-15 years? can i redempt them after say 2-3 years. | ||
| Conquas Side Hero Username: Conquas Post Number: 5194 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
got it... thanks bro... all opinions expressed here are mine.. | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 646 Registered: 11-2011 Posted From: 203.83.248.37 Rating: N/A |
They vary by the issuing company. For instance HUDCO had 2 series - one for 10 years at 8.22% coupon and another for 15 years at 8.35%. The others also were in the same ballpark. I also understand that the coupon might be slightly lower if you buy in the open market. You might want to check that out. | ||
| Conquas Side Hero Username: Conquas Post Number: 5193 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
what is the maturity period? 10 or 15 years? coupon rate? all opinions expressed here are mine.. | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 645 Registered: 11-2011 Posted From: 203.83.248.37 Rating: N/A |
One correction above - the bond was not NTPC, it was PFC (power finance corp). The others were NHAI, HUDCO, IRFC. Yes, these funds are tax free. I invested in them earlier this year. They were heavily oversubscribed by international and indian institutional investors. However retail did not get fully subscribed because bond market awareness is not high in India among small investors. So i managed to get full allotment. They are still available on NSE to buy. But the prices are more than the IPO price. HUDCO and IRFC have already appreciated by 8% in the market since February. | ||
| King Side Hero Username: King Post Number: 3823 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
anyway have to go there to get advice on IRA accounts..ippudu self funding for both employee and employer. Any way..thank you very much. I mean it. Ika gym ki going, tinnadhi karigiyataniki..will look into this thread later. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Conquas Side Hero Username: Conquas Post Number: 5191 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
online lo kooda cheyyocchu andi.... just 10 to 15 minutes... paduthundhi anthe.. all opinions expressed here are mine.. | ||
| King Side Hero Username: King Post Number: 3820 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
Can I go to fidelity and open investment account and invest in these. question wrong ayithe kshaminchandi. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Conquas Side Hero Username: Conquas Post Number: 5190 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
one more $PRHSX (T. Rowe Price Health Sciences ) 10 years renturn : 14.36% http://quote.morningstar.com/fund/f.aspx?t=PRHSX Let me know, if you need more picks... all opinions expressed here are mine.. | ||
| Conquas Side Hero Username: Conquas Post Number: 5189 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
* 15 years lo erakamga S&P tho compare chesina all opinions expressed here are mine.. | ||
| Conquas Side Hero Username: Conquas Post Number: 5187 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
if you look at the $DODGX performance... 15 years lo erakamga S&P tho compare chesthe... prathi saari outperform chesindhi... S&P ni real stock market indicator ga monitor chestharu.... all opinions expressed here are mine.. | ||
| Conquas Side Hero Username: Conquas Post Number: 5186 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
8% avg. return ante... industry standards lo very good annatlu... mesharu.. all opinions expressed here are mine.. | ||
| King Side Hero Username: King Post Number: 3819 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
ee mathram..FD lo kuda vasthundhi kada..(typical desi) but any way I want to keep money here also. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Conquas Side Hero Username: Conquas Post Number: 5185 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
morningstar to ratings choodandi.... before investing into that fund.... t all opinions expressed here are mine.. | ||
| Conquas Side Hero Username: Conquas Post Number: 5184 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
http://news.morningstar.com/fund-category-returns/ i have been following this fund form some years. $DODGX... check the performance in the below link... 15 year avg. return 7.20%.... its not byad at all.. http://quicktake.morningstar.com/syndication/trailreturn.asp x?cn=GLG117&symbol=DODGX I will post some more funds... all opinions expressed here are mine.. | ||
| All_day Junior Artist Username: All_day Post Number: 126 Registered: 06-2012 Posted From: 107.0.27.252 Rating: N/A |
madahylao nannu enduku dobutunnavu bhayya? Only Thing We Have to Fear Is Fear Itself - FDR | ||
| Shikari Hero Username: Shikari Post Number: 10120 Registered: 03-2010 Posted From: 183.82.178.22 Rating: N/A |
dabbulunna doralu andaru tala oka cinema teseyyandi.dabbulu,peru etc anni vasthayi  http://x.co/lHwy http://x.co/bgEk | ||
| Farmer Side Hero Username: Farmer Post Number: 4630 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
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| Farmer Side Hero Username: Farmer Post Number: 4628 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
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| Sachin Legend Username: Sachin Post Number: 31114 Registered: 04-2008 Posted From: 151.151.16.6 Rating: N/A |
 share ki gross ki thedaa theliyakapothenemi..daatar maaya box office disco lo iragadeesthaaadu... ki ki ki ... | ||
| King Side Hero Username: King Post Number: 3815 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
baaga aduthunnav ga Dr saab. Nee daily trading antha vundavu maa w2's Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Pulibongaram Side Hero Username: Pulibongaram Post Number: 3111 Registered: 03-2012 Posted From: 98.27.59.241 Rating: N/A |
neeku adi annaa undi.....naaku jebulo dabbu raadu anna gyaarantee undi....so asalu sadavaaalane thinking ye ledu | ||
| Farmer Side Hero Username: Farmer Post Number: 4627 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
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| Mental_sachinodu Side Hero Username: Mental_sachinodu Post Number: 8462 Registered: 10-2008 Posted From: 208.85.128.5 Rating: N/A |
 the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada | ||
| Khandada Side Hero Username: Khandada Post Number: 4067 Registered: 10-2008 Posted From: 64.79.135.151 Rating: N/A |
hey rajan, naaku bhee same issue...jebu lo dabbu unnappudu saduvu dhaamu lay anukuni thread skipping Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall | ||
| Jacksparrow Side Hero Username: Jacksparrow Post Number: 4591 Registered: 07-2008 Posted From: 89.234.93.164 Rating: N/A |
evaranna ee fund vinnara? Prime Agile in india... Birla finance recommended this fund.... 25lacs min investment... since inception (14months) 30% work out ayindi after all fee etc... monthly returns... check www.primesec.com.... they close their positions at the end of every month and distribute profits... PS: no connection with the fund except as an investor Period (as on 23rd August'12) Absolute Performance 1 month 2.65% 3 months 4.36% 6 months 10.10% April'12- August'12 4.70% 1 year 18.78% Since inception (Jun '11) 30.25% | ||
| All_day Junior Artist Username: All_day Post Number: 116 Registered: 06-2012 Posted From: 107.0.27.252 Rating: N/A |
25% bonds and money market is too high allocation. Unless you are risk averse, i would suggest you to reduce that exposure. specific reason why you allocated 25% to HC sector? You can use some small cap or Mid cap exposure. Only Thing We Have to Fear Is Fear Itself - FDR | ||
| Mental_sachinodu Side Hero Username: Mental_sachinodu Post Number: 8460 Registered: 10-2008 Posted From: 208.85.128.5 Rating: N/A |
 ani bunty thaatha seppammanadthe world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada | ||
| Amigo Comedian Username: Amigo Post Number: 1166 Registered: 05-2011 Posted From: 144.160.226.53 Rating: N/A |
Bro My retirement account allocation. 25% international stock ( w.r.t US) 25% largecap 25% health care 25% bonds+money market roughly. non retirement 25% RE 25% stocks : big companies remaining normal bank accounts US and india | ||
| Conquas Side Hero Username: Conquas Post Number: 5183 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
ila endhuku annanu ante.... okkokka dhaniki okka strategy vuntundhi....we can't apply the same stratgies for all three scenarios.... financial advisor ni kalavatam good idea.... all opinions expressed here are mine.. | ||
| King Side Hero Username: King Post Number: 3814 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
great ya and thx.. Now i need to earn that money so that I can invest. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Conquas Side Hero Username: Conquas Post Number: 5182 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
totally different ball games Traditional IRA ante... mee company lo 401k leka pothe... meeru open chese account... yearly limit vuntundhi...(before tax) Roth IRA - yearly limit and )After Tax money... mee 100k ni complete ga invest cheyyaleru.... IRA and roth ira tho... so meeru migatha vatini invest cheyyali ante.. meeru Financial Advisor ni kalvalsindhe.... mee bank lo okkasari matladi.... vaditho opnion teesukondi.... don't investthrough them..... just take opinion and later you explore other options.... so meeru... all opinions expressed here are mine.. | ||
| All_day Junior Artist Username: All_day Post Number: 115 Registered: 06-2012 Posted From: 107.0.27.252 Rating: N/A |
Depending on you tax status (if you are paying higher taxes now and assume that you will be paying lower taxes when you are 60) then traditional IRA is the best option. Remaining money you can invest in a mutual fund (you pay higher fees) or buy some ETF's basing on your preference or open a trading account and allocate money accordingly. Only Thing We Have to Fear Is Fear Itself - FDR | ||
| Mental_sachinodu Side Hero Username: Mental_sachinodu Post Number: 8453 Registered: 10-2008 Posted From: 208.85.128.5 Rating: N/A |
thats mom, iyyi enni saarlu sadivina mukka bhi ekkadhu.. chasss the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada | ||
| King Side Hero Username: King Post Number: 3813 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
suppose I have 100K cash(suppose..), which I want to allocate between the funds..what would you suggest. Should I open multiple accounts (IRA, Roth IRA) and assuming that I can only contribute a maximum 5k or 10k to these accounts, how should I invest the other money? Ashton - I'm living an Amish lifestyle. so far so good. | ||
| All_day Junior Artist Username: All_day Post Number: 114 Registered: 06-2012 Posted From: 107.0.27.252 Rating: N/A |
Basic rule of thumb is 100-age = allocation to equities, rest fixed income. But if your age is less than 30, then it's too much allocation to fixed income. If you are below 30 you can allocate aggressively to equities. One more important thing is to reduce the correlation between your human capital (your job) and financial capital. You don't want both of them to be affected at the same time. Other thing is don't diversify between too many funds. Five funds is good enough. Some 401k plans have 10 options, and people will allocate their contributions evenly across all 10 funds (1/n diversification), you won't get the desired affect. Invest aggressively in small cap, OTC, emerging markets and aggressive growth. 20% should be allocated to large cap (like an anchor to the portfolio). Only Thing We Have to Fear Is Fear Itself - FDR | ||
| Conquas Side Hero Username: Conquas Post Number: 5181 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
International and Small Cap are aggressive... Large Cap ante... koncham steady annatlu... all opinions expressed here are mine.. | ||
| King Side Hero Username: King Post Number: 3812 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
 Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Conquas Side Hero Username: Conquas Post Number: 5180 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
meeru vetilo invest cheddham anukuntunnaro.... cheppandi... Large Cap Growth or Value Small Cap Growth or Value Med Cap Growth or Value REITs International Funds Fiexed Income Funds etc., llantivi.... all opinions expressed here are mine.. | ||
| King Side Hero Username: King Post Number: 3811 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
thx Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Conquas Side Hero Username: Conquas Post Number: 5179 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
my preference is Fidelity employee 401k lo manaki anni options vundavu... traditional and Roth ki fidelity best... meeku chala funds vuntayi choose chesukodaniki.... first of all meeru decide avvandi.... mee portfolio aggressive or semi aggressive or conservative type aa ani..... Fidelity/Vanguard lo vaadu manage chese funds konni vuntayi.... meeru vati meedha invest chesthe.... charge cheyyadu...if I am not wrong.. but they offer... other funds also in their brokerage accounts... aa funds vadi daggara konte... if those guys are not managing those fnds.... meeru konetappu charge vundacchu... you have to check with them... funds list gurinchi ante... nenu konni funds list post chesthanu... meeru kooda research cheyyandi... all opinions expressed here are mine.. | ||
| Getafix Hero Username: Getafix Post Number: 11088 Registered: 02-2008 Posted From: 159.127.66.112 Rating: N/A |
target20(35/45/55) fund lo 60-70% of your contribution set cheyandi and then rest set up in the funds based on their classification and your 401k offers.. nen target lo 80% set chesi 10 and 10 rendu emerging funds lo set jeshaa. | ||
| Redbull Comedian Username: Redbull Post Number: 1318 Registered: 03-2009 Posted From: 93.96.98.64 Rating: N/A |
U just nailed it. Are u sure bonds u mentioned are tax free. Can u shed more light. Thanks | ||
| Filmbuff Junior Artist Username: Filmbuff Post Number: 644 Registered: 11-2011 Posted From: 115.242.237.70 Rating: |
Some of the top investments that came out this year were the NTPC, HUDCO, IREF bonds. They give a tax free interest of 8.2% - 8.3% every year. As they carry a sovereign guarantee, they are quite risk free unless you fear India going bankrupt. These bonds are quite liquid, they have no lockin. You can buy them on the open market too, i would suggest most of you who want some debt exposure to go for them. I put in two of these funds at the launch time. As far as asset allocation is concerned, the most important thing is your risk profile and appetite. I have seen my batchmates, earning quite well, and well below 40, who don't venture out of post office savings and FDs. On the other hand i know folks who are in their 50s or 60s who are still active in the markets. Your starting point for asset allocation should be your end goal. What do you want to achieve - for instance most Indians might advise you to invest in RE but that can be an issue when you reach your 60s. Most Indian retirees fall into this trap of being house rick and cash poor. They have some great lands and houses, but don't have adequate steady income (in effect working capital) for daily needs. And they don't feel like selling RE for their daily expenses. I would always vote for stocks and bonds over other assets. The transparency, liquidity, low transaction costs etc are unmatched. If you are itching to punt in RE, go for commercial properties as they can give good retirement income. As far as gold is concerned, it had its moment in the sun. The increase over the past few years is a historical quirk. Again, if you don't want to miss the bus you can go for a gold ETF. Don't touch derivatives, they are for punters or for hedgers, not investors. So on the whole go for a good mix of equities, bonds, gold ETFs and commercial RE. | ||
| King Side Hero Username: King Post Number: 3810 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
No 401k for me..never contributed as was contractor and sarted doing independent consulting from last year. From this year i will contribute for both traditional and roth. So my question is for "other" Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Rajusk Megastar Username: Rajusk Post Number: 22988 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
Vanguard or whatever lo aa categories lo best per category septhe...padi untadi kada... | ||
| Conquas Side Hero Username: Conquas Post Number: 5178 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
just blindly follow this rules, if you are not interested in Coffee House Investor: Age: Less Than 40 -- 100% in equities. Of this, 40% invested in large cap. growth funds, 25% small cap. growth funds, 25% in large cap. value funds, and 10% international. Age: 40 to 50 – 80% in equities and 20% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 25% small cap. growth funds, 25% in large cap. value funds, and 10% international. Age: 51 to 55 – 70% in equities and 30% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 25% small cap. growth funds, 25% in large cap. value funds, and 10% international. Age: 56 to 60 – 50% in equities and 50% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 10% small cap. growth funds, 40% in large cap. value funds, and 10% international. Age: 61 to 65 – Reduce equities by 5% per year and increase fixed income by 5% per year so that at retirement you have 25% in equities and 75% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 10% small cap. growth funds, 40% in large cap. value funds, and 10% international. all opinions expressed here are mine.. | ||
| Andhrawala Hero Username: Andhrawala Post Number: 14448 Registered: 03-2008 Posted From: 174.97.225.181 Rating: N/A |
or else u can go for Target 2035 or 2045 retirement funds based on ur age. They change the allocation themself. No Signature | ||
| Conquas Side Hero Username: Conquas Post Number: 5177 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
nene chesthanu andi.. are you looking for 401k? or some thing else? all opinions expressed here are mine.. | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29147 Registered: 02-2008 Rating: N/A |
year ki 1 lacha anna sentence lo 'ki' ni miss chesenu so 1 lacha ki 31 eti andi ..idedo bagundee anukuntunnaa..  andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Andhrawala Hero Username: Andhrawala Post Number: 14445 Registered: 03-2008 Posted From: 174.97.225.181 Rating: N/A |
Year ki oka laccha soppunna 15 lacchal vesthee after 15 years 30 lacchal avvudhi antunnadu Google for details No Signature | ||
| King Side Hero Username: King Post Number: 3809 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
you need to invest 1 lkh every year anukunta. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29145 Registered: 02-2008 Rating: N/A |
1lkh ki 31 lkhs enti after 15 yrs.. elaa workout avutundi FD cheste 6.5 yrs lo double type settin ayite telusu.. idi enti variety gaa teliste details ivvu andariki golden heart PK telusu.. naaku KF telusu.. | ||
| King Side Hero Username: King Post Number: 3808 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
do you manage by urself or throgh any mm's Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Andhrawala Hero Username: Andhrawala Post Number: 14444 Registered: 03-2008 Posted From: 174.97.225.181 Rating: N/A |
PPF ane Public Provident Fund U can open this account in any Postoffice in India No Signature | ||
| Andhrawala Hero Username: Andhrawala Post Number: 14443 Registered: 03-2008 Posted From: 174.97.225.181 Rating: N/A |
Hyd brother daggara bank acc lo savings roopam lo thakkuva vundocchu kaani ayana lifestyle rajaadhi rajalaki thaggadhu - rado watches, BMW cars and Long Island lo illu alaanee ayana 401k and brokerage account lo balances No Signature | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29143 Registered: 02-2008 Rating: N/A |
ee ppf eti.. detailed ga explanation ichukoo.. andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Redbull Comedian Username: Redbull Post Number: 1317 Registered: 03-2009 Posted From: 93.96.98.64 Rating: N/A |
Meeku gaani.. Else mee close relatives ki india lo ppf acnt open chese chance vunte try cheyyandi.. Year ki 1 lakh invest cheste.. After 15 yrs 31 lakhs avuthundhi. 8.8% rate istaadu and tax free | ||
| Rajusk Megastar Username: Rajusk Post Number: 22985 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
ledu we missed one good bowler, who was fasting.. other good bowler bowled badly because he was injured...and could not run and bowl...akkada debba paddadi | ||
| Conquas Side Hero Username: Conquas Post Number: 5176 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
i am following this from Coffee House Investor Strategy.. Rate of Return from their strategy: 20 years - 8.79% 10 years - 6.45% 5 years - 2.88% 3 years - 12.07% all opinions expressed here are mine.. | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29142 Registered: 02-2008 Rating: N/A |
chass badluck.. nen observe chesindi.. mana team present grop ki ekkuva next group ki takkuvaa unnam..so reg matches easy ga win avutunnam min 80% of the matches one sided ee untunnayi kuda.. andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Conquas Side Hero Username: Conquas Post Number: 5175 Registered: 11-2011 Posted From: 99.82.251.78 Rating: N/A |
mesharu... Fixed Income funds - 40% Large Cap Growth Funds - 10% Large cap Value Funds - 10% Small cap Growth Funds - 10% Small cap Value Funds - 10% Intl. Funds - 10% REITS - 10% I am following this... all opinions expressed here are mine.. | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29141 Registered: 02-2008 Rating: N/A |
I know.. edo king ki encouragement gaa untaadi ani alaa esenu.. US lo nee mortagage will be 33% of your gross..idi financial rules follow aye kurrol ki andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Rajusk Megastar Username: Rajusk Post Number: 22984 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
Sunday match gelichi vunte promotion sure shot..ippudu no promotion inka | ||
| Redbull Comedian Username: Redbull Post Number: 1316 Registered: 03-2009 Posted From: 93.96.98.64 Rating: N/A |
Rent/mortgage only 15 % anthenaaa.. Ii don,t think this is possible in any country. Unless u r on top end consulting | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29140 Registered: 02-2008 Rating: N/A |
24balls and 26 runs ante easy ne kada mana vallaki.. anyway ippudu next yr malli same group/league aa .. promotion emaina untaada andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Rajusk Megastar Username: Rajusk Post Number: 22983 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
T ..sudden gaa form loki vachi oka 2 6s oka 4 kottadu...but with 24 balls and 26 runs and with A as partner...we thought they would play sensible and see us through... | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29138 Registered: 02-2008 Rating: N/A |
runout evaru ayeru.. name initial ivvandi chaalu andariki golden heart PK telusu.. naaku KF telusu.. | ||
| King Side Hero Username: King Post Number: 3807 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
I dont remember.. kanukkoni repu cheputanu Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Farmer Side Hero Username: Farmer Post Number: 4622 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
if u don't mind, entha adigaaru?...and market rate entha vundi nee info prakaram | ||
| Rajusk Megastar Username: Rajusk Post Number: 22982 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
Host making bagane undi...host deggara konnodu emaina making unda...only naaking aena vaallu.. | ||
| King Side Hero Username: King Post Number: 3806 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
Nuvvu, Link, Idly, Mr Hyd, Simba, TI.. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Maverick Legend Username: Maverick Post Number: 40676 Registered: 01-2008 Posted From: 204.86.209.200 Rating: N/A |
oka pedda round table conference lo bill gates, laxmi mittal,steve jobs, aa mexico tycoon carlos etc etc koorchoni disco chestunnatundi ee thread..chass Who is this DB member? | ||
| Rajusk Megastar Username: Rajusk Post Number: 22981 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
first knockout match..we batted first..and scored 93....nenu Biryani kurrod opening....Biryani kurrod oka 30 vesad..nenu oka 20 vesan...kakapothe bowlers almost naakinchesaru...opposition scored 77...with 6 6s and 5 4s...aa roju naa sudi baagundi..naa first 5 for teesanu league lo..so match gattu ekkamu.. second knockout match..we bowled first and for second consecutive game..bowlers did not click..opposition scored 88...naaku oka 3 wickets vachinayi..i made 9..biryani kurrod ..12 something..inka oka ayana 6th down vachi oopadam modalu petti ...4 overs 26 runs and 4 wickets unte..suicadal run out tho khel khatam..dukaan bandh... | ||
| Getafix Hero Username: Getafix Post Number: 11086 Registered: 02-2008 Posted From: 159.127.66.112 Rating: N/A |
simple ga -carry 3 months of your sal in your savings accnt. -if husband and wife working then - go for max contribution on one of your salary to 401k. 401k lekapothe roth ira account open jeyandi. ivi suze orman of msnbc regular septhadi.. and i dont follow. | ||
| King Side Hero Username: King Post Number: 3805 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
hmm..maaku pedha unnayi ani kaadu but unnavaatini etla manage cheyalani. meeru double$100K's. meere atla ante south lo unde chirudyogalam emi anali. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| King Side Hero Username: King Post Number: 3804 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
ayite naaki suggest cheyandi..mail id telusuga.. BTW talked to my cousin yesterday about the seminar you attended. he was saying that Host has done business worth upto 400C this year. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29137 Registered: 02-2008 Rating: N/A |
raju garu match summary etandi.. emi ayindi.. chass last varuku vochi ilaa ayite digest chesukodaniki kastam gaa undi.. andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Rajusk Megastar Username: Rajusk Post Number: 22980 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
aithe Return to India club forum soodaku...vallu suggest sesevi anni atuvantive... naaku emo regulatory issues.. | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 2140 Registered: 03-2008 Posted From: 208.28.24.254 Rating: N/A |
bhayya.. Hyd RE lo petti debbaipoyam.. Even to get what we have invested will take long time. anthe kaakunda.. RE lo vunde risk lu (especially in gunda raaj sarkar) meeku theliyanavi kaavu so there is no guarantee inn any investment A diamond with a flaw is better than a common stone that is perfect. | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 9149 Registered: 01-2008 Posted From: 98.221.83.14 Rating: N/A |
savings vunna vaallaki planning, allocation etc. manaku anta scene ledu. not kidding... double earning ani peruke bank balance choosina evadu nammadu double earning ani :-) Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein | ||
| King Side Hero Username: King Post Number: 3803 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
aa crime cheyakudadu ane ee thread. So share your allocation plans (not going into specifics) Ashton - I'm living an Amish lifestyle. so far so good. | ||
| King Side Hero Username: King Post Number: 3802 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
oh..thattaaa... dropped the idea as market rate kante ekkuva adigaru Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Idle_yzag Legend Username: Idle_yzag Post Number: 36626 Registered: 02-2008 Posted From: 12.130.4.244 Rating: N/A |
 RahulGandhi/JP/Chiru | ||
| Mrhyderabad Side Hero Username: Mrhyderabad Post Number: 9147 Registered: 01-2008 Posted From: 98.221.83.14 Rating: N/A |
You have to go based on your risk appetite bhayya. For some, keeping money in savings account is best option and for some it will be fin crime  Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein | ||
| Farmer Side Hero Username: Farmer Post Number: 4621 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
araku kaadu nagarjunaa...aarukolanu in krishna district....nuvve kadha akkada land deal gurinchi thread vesindhi? | ||
| King Side Hero Username: King Post Number: 3801 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
 Araku ki naku no relationship. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Farmer Side Hero Username: Farmer Post Number: 4620 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
arukolanu loo edoo land annav...konnava...entha padindi? | ||
| King Side Hero Username: King Post Number: 3800 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
thx..Fidelity ki velli open chedham ani last 6-7 months nunchi anukuntunnau..Too lazy. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Farmer Side Hero Username: Farmer Post Number: 4619 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
manaki antha ledu mestaru...edoo india loo parents/chuttalu idhi konukkoo raaa... good deal, peruguthundi ani chepthe alaaa munduku povatam....ikkada aithe asalu noo idea...edoo stocks, savings account thoo nettukostunnaa | ||
| Kuyyo_morro Side Hero Username: Kuyyo_morro Post Number: 9754 Registered: 02-2011 Posted From: 63.123.132.200 Rating: N/A |
Dont go for stocks. India lo lands manage chese vaallu unte buy lands. Bhoomi is always constant, eppudu thaggadhu, peragadhu. everyone needs it. Migithavanni up and down avthayi never land. | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 2138 Registered: 03-2008 Posted From: 208.28.24.254 Rating: |
Fidelity laanti brokerage daggara account open chey... For stocks.. you can pick one or two stock mutual funds ( as you say you do not want to manage yourself) For example: (The numbers are totally rough) If you decide to choose 4 different options- 1. stocks/bonds - 25% You can keep 80% stock/20% bond if you are not much interested in bonds 2. Cash (Money Market funds) - 20 % 3. Commodities - (eg: gold, silver etc..) - 15% 4. Insurance - annuity, life insurance etc.. - 10% 5. Foreign Currency (May be you can deposit in India for good interest) - 10% Some of them you cannot manage everything from single account.. A diamond with a flaw is better than a common stone that is perfect. | ||
| Mental_sachinodu Side Hero Username: Mental_sachinodu Post Number: 8449 Registered: 10-2008 Posted From: 208.85.128.5 Rating: N/A |
noota padhaahaarulu.. theesukunna theesukokafoyina.. mee wisdom lo ninsi rendu ginjalu share seyurri saar the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada | ||
| King Side Hero Username: King Post Number: 3798 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
I need an advice where I need to park\invest. Suppose, they say stocks..i am very bad at managing or trading stocks so want to let the pros to handle it. Bonds..Not much interested. RE...okey..I can handle Again these three no Idea. commodities derivatives Insurance Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Farmer Side Hero Username: Farmer Post Number: 4616 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
 | ||
| Chillarodu Side Hero Username: Chillarodu Post Number: 2137 Registered: 03-2008 Posted From: 208.28.24.254 Rating: N/A |
It depends on some parameters brother... What is your time limit? ( I mean what is your target date) what is your risk tolerance? Once allocation tharuvaatha you also need to rebalance the assets time to time. Following are some of the options that you can invest in. Stocks Bonds Cash commodities derivatives Insurance etc.. A diamond with a flaw is better than a common stone that is perfect. | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 24204 Registered: 02-2008 Posted From: 69.174.58.132 Rating: N/A |
antha ledhu sir..ee year e koncham atu leg vesa.. | ||
| King Side Hero Username: King Post Number: 3796 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
Top 1% andaru ikkade vunnattu vunnaru Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 24203 Registered: 02-2008 Posted From: 69.174.58.132 Rating: N/A |
add RE also  | ||
| Siloan Megastar Username: Siloan Post Number: 28090 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
above all IDLY BABAI | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29135 Registered: 02-2008 Rating: N/A |
adaa.. rising/link ayite 50% RE lo investing jodha madam ayite vajralu/vaiduryalu type setting simba ayite.. house JP rocks kurrod.. lifejacket esukoni swimmming type vacations Mav ayite apts Pavala.. all of the above andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 24202 Registered: 02-2008 Posted From: 69.174.58.132 Rating: N/A |
aa 50% ni kooda ela distribute cheyyaali annadhi ikkada Q bhayya | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 29134 Registered: 02-2008 Rating: N/A |
50% savings lo esukovaali.. 15% rent/mortagage.. 25% other exps's.. remaining 10% malli savings.. idi follow ayipooo.. all set andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 24201 Registered: 02-2008 Posted From: 69.174.58.132 Rating: N/A |
oh k..sure..nenu kooda next year nunchi koncham planned ga invest chedham anukontunna..choodali ela untadho. | ||
| King Side Hero Username: King Post Number: 3795 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
yes
main ke dikku ledu..malli branches. BTW what kind of business are you into? Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Kuyyo_morro Side Hero Username: Kuyyo_morro Post Number: 9752 Registered: 02-2011 Posted From: 63.123.132.200 Rating: N/A |
Financial assets aa leka etlantivi? Leka branches ni assets kinda treat chesthaara? Have done this in the past, but it all depends on the kind of business your company runs. | ||
| King Side Hero Username: King Post Number: 3794 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
thx ..will try Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Rajusk Megastar Username: Rajusk Post Number: 22979 Registered: 02-2008 Posted From: 24.185.0.74 Rating: N/A |
R2I club forums loki vellu.. kontha mandi money egsperts free advise istharu...asset allocation meeda..and its all free.. | ||
| King Side Hero Username: King Post Number: 3793 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
vonly Gold antaru anukunnanu..BTW, experts say not to hold more that 5% in Gold. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| King Side Hero Username: King Post Number: 3792 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
ante noota padaharlu..ayithe voke. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 24198 Registered: 02-2008 Posted From: 69.174.58.132 Rating: N/A |
sorry..no idea | ||
| Farmer Side Hero Username: Farmer Post Number: 4615 Registered: 03-2012 Posted From: 93.174.93.145 Rating: N/A |
oka tonty percent naaku allocate cheyyi | ||
| King Side Hero Username: King Post Number: 3791 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
Does anybody have experience in assets allocation? Can you pls guide me to right person or in right direction Ashton - I'm living an Amish lifestyle. so far so good. |
