Author: Vivek Bothra

If politicians were stocks ?

With political season simmering, I was wondering what if Modi, Kejriwal and Rahul were stocks – What would be there attributes ? And would you invest in them ? Let us look at the each one of them with an investment lens

modi-vs-rahul-kejriwal

Kejriwal – is a young start-up (1+ year) which has done remarkably well in highly competitive market (Indian politics).  It’s gaining mind share and market share in this competitive market. It’s key assets are it’s alternative political ideology & connect with middle class populace.  It is a brain child of a non-political movement and there are only few handful cases where  a non-political movement  has led to creation of a successful political outfit.  Putting  Kejriwal to test here is what I feel

Growth – Anyone looking to do a stock analysis for a company is probably attracted to it because of its growth. The attraction of growth has probably led more investors into temptation than anything else.  Kejriwal is a young start up hence growth opportunities are huge, the company has right set of product mix to capitalize on the opportunity. It has fared well up until now, however it’s USP is suited to upscale market would they … Read the rest

How to Value Stocks using Benjamin Graham style

Beloved readers,

Presenting the first tool from Tankrich – Benjamin Graham stock value calculator.

Here is the story….

Circa 2010

Five classmates decided to put Benjamin Graham’s teaching into  mathematical calculation to understand if a stock is overvalued or undervalued for their class presentation in MBA . What followed was days of research and a collaborative effort to come with a simplified model which is easy to use and understand.

We did it – 10/10 on presentation and a pat on back  from one of the most loved professors at school for bringing theory into practice.

Circa 2014

Retail investors don’t often get exposed to time less  principles of Benjamin Graham, so I thought why not use my class project and turn that into a online stock value calculator. Some of the key features of this calculator

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Make this little changes at your workplace

WordItOut-word-cloud-327657Are you the one who has to withstand daily grind of attending meetings, sending emails, managing bosses, organizing diaries and paperwork  and overtime?

Are you in search of ideas to improve your workplace effectiveness?

If the answer to any of the above is yes – Read on

The work component is very crucial component of our everyday life with almost one-third or more of our time spent in that component, add to that the pressure to excel and be the best in work.  Here are few small changes that we can embrace

 

1. Manage your energy not your time – Most of us respond to increasing demands in the workplace by putting in extended hours, which inescapably take a toll on us, remember time is definite however energy can be methodically expanded and habitually renewed.  If managed well expanded capacity means we would could do more in less time. Now how do we manage and expand energy?

Tony Schwartz in his best-selling book The power of full engagement recommends managing energy by establishing specific rituals – it could be simple rituals like going early to bed to get up early for exercise or scheduling ‘recover time’ in your office … Read the rest

Is predicting winners in stock markets possible ?

In our last few posts we have discussed about India’s fastest and most consistent wealth creators in last decade. In today’s post we back test stock predictions made by Motilal Oswal annual wealth studies.

I have picked years  2006 -10 for our analysis so that we can have at least 3 years of stock performance data available for latest predictions. In addition to this for the sake of consistency I have kept Nifty and CNX Nifty midcap as a benchmark indexes to compare performances for all stock predictions.  Each year the studies had a value investing theme simplified into a mathematical model to identify prospective investments. Lets look at those predictions and how have they fared over years.

 2006 – The value investing theme was favorable terms of trade, the study states that a company enjoys favourable ”terms of trade” if its debtors are lower than its creditors. So favorable terms of trade could result in zero or even negative working capital. Whereas adverse terms of trade could mean very high working capital requirements, making the business unprofitable.

The above explanation was converted into a mathematical model and three stocks were identified with favorable terms of trade- HPCL, … Read the rest

What I learnt from Tim and The 4 hour work week

I had recently laid my hands on this fantastic book by Tim Ferriss.  Although written in 2006 it is still relevant in today’s times .

I would not like to discuss each and every  tricks,tools  & ideas which he has shared in his book, however I would like share what is the best I learned from this book. Without further Adieu here we go:-

  1. The timing is never right – Quoting from book “I once asked my mom how she decided when to have her first child, little oP me. The answer was simple: “It was something we
    wanted, and we decided there was no point in putting it off. The
    timing is never right to have a baby.” And so it is. Life is a glorious journey of uncertainties, there will be in doubts , questions & confusions  in whatever we want to pursue. There is no joy in putting off something which you always wanted to do because unless you do it the timing will never be right. Consider what is stopping you  financially, emotionally, and physically ? and then take it head on
  2. Stop being busy – There are deadlines to meet in jobs, commitments to fulfill
… Read the rest

India’s Consistent & Fastest Wealth Creators

Happy New year , Last post this year a few interesting info graphics

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Most consistent wealth creators

| Create infographics

Fastest and Consistent wealth creators

| Infographics… Read the rest

Investing for short term

That was quite a break

Image source – Indian Moms . After a big rest for 6 months finally up with a new post.

Now many of us have short-term funds (cash) that is mostly lying in our bank accounts or at home as emergency need. While there is no harm in keeping some contingency money always as cash however we can invest even some portion of this amount to earn additional return. I have previously written about how to generate extra cash by using your credit card here .

Now let us look on how we can increase our return on short-term cash

  1. Opening saving accounts with bank which offer higher interest rates – With Reserve Bank of India lifting law on fixed interest rate to savings account holders, Many of the modern private banks aka Yesbank, Kotak Manhindra  are offering higher interest rates for having a savings accounts with them. Few banks also offer additional interest if you keep a balance of over INR 1 lac. While traditional biggies aka SBI,ICICI still offer 4% on your savings account , we should carefully examine if we are in need to continue to use their banking services or else  we
… Read the rest

Investing in Gold

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Gold is often considered as an investment and given the astronomical returns gold has given in last 9-10 years It deserved one whole post to itself.  Gold prices have fallen from peaks over last 3-4 months – Is the right time  for a wily investor to make a move and buy Gold?
There is no straight forward answer (A regular reader knows – We don’t have quick fix answers), First we have to be clear whether we are Gold consumers or Investors. Many a times a gold consumer believes he is an investor.
Who is a consumer? – 
… Read the rest

Identify – 10 investment ideas in 60 minutes

Circa 2011

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In investment lexicon smart money is referred to as institutional money of foreign financial institutions (FIIs) and domestic financial institutions (DIIs) which is invested in capital markets.

Investopedia explains smart money as
 
 

Because insiders and better-informed speculators typically invest more, smart money can sometimes be spotted by greater than usual volume, especially when little or no public data exists to justify it. Knowing who the smart money is and when and where they’re investing can be of great benefit to retail investors who want to ride the smart money’s coattails.

 
The highlighted part in elucidation got me operational, how can
… Read the rest

Investing Tricks from Tr – Guru

If you are reading than give yourself a pat on back, you have chosen to be master of your finances.  Life or Investment we should always know three fold answers to Why we are doing it ,  What are we doing  and How are we doing

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At Tankrich we have spent considerable amount to time to understand Why investments are necessary, What are these investments, Today we are gone to discuss the most pertinent question that remains unanswered how to invest.
 
With this question in mind lets go to trGURU  our in house investment Zen
trGURU   : An individual investor can invest in predominantly in three ways  –  Trying to time market (TTM) , My Price Investment (MPI)  and Systematic investment plan (SIP) . All three
… Read the rest