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mala tar asa vatata aahe sadhya chya paristhity madhe navin lokanni stock madhe invest karanya peksha paise saral saral banket thevave.. bhale vyaj milnar nahi kiva kami milel but it gaurentees that atleast your one $ will be one $ after certain period where as in stock it could be 10 cents or even nothing..
i have really not heard from anybody apartfrom those who got stock option while joining some company that he has earned considerable amount just by trading.. so i always remain couple of feets away from stock business...
i am seriously looking for people who have invested in stocks means bought ( not company stock option ) and are in profit.. I am talking about last 1 year or so..
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samirm75 - you may not find many of those people but the real point in investing is not to come out on top just one year but in the medium or long term (not too long term because in the long term we are all dead) - i'm sure if you ask around you will find some people who have made more than the bank interest rate over say a 5/10 yr period
ani i would like to comment about your first point - there is no better time than in a depressed market to buy "good" (who knows what that means) stocks if you have the ability to park your money for a while - no overnight gains
about your second point, apan invest karto karan aple "paise vaadhtil" over time. jar inflation rate, after tax savings rate hun jasti asla tar a $ in the bank today is actually more than, and not just equal to, a $ in the bank tomorrow = a bird in hand is worth two in the bush if the bush is at a sufficient enough distance :)
there are no guarantees in investing and there are no sure things (other than death and in almost all cases taxes) - just like in life, but we take our chances, or should i say "educated guesses" in life don't we? :)
i agree wholeheartedly with what i think is your core point - preservation of capital is usually better than risky ventures that promise more. after all, asa vichar kar...if you start with $100 and lose $20 in your first go, you lose 20%...now if you want to get back just to breakeven (ignoring transaction costs) you have to make back $20 on your remaining $80 which is a 25% required return. So losing makes it a little more difficult to break even, let alone win. but that's never stopped anybody from trying :)
by the way, i think benjamin graham once said that the stock market is like a manic-depressive...how true if you consider the last 5 years
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Hey guys check out I-bonds....very nice way of investing without loosing money, secured by government :)
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yogi - "i-bond" mhanje nakki kay? kadhi aikla nahiye. t-bill, treasury bonds, corporate bonds mahiti ahet pan i-bonds nahi...pls educate
if you're talking about some kind of bond, i would suggest making sure if its guaranteed...coz bond prices vary based on interest rates right?
the only thing guaranteed would be that you would be able to sell the bond back at a certain price (interest rate determined ofcourse) IF its a govenrment bond coz the government stand behind it
if its a corporate bond or a junk bond which is a low grade high (expected) return bond then you may have to stand in line with other if the company goes bankrupt
also bonds madhe usually jasti minimum investment karayla lagte asa mala vatta (never actually bought or sold a bond myself - have you?)
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Thanks swati2 - never even knew these things existed! :)
These look promising - the only problem seems to be a penalty if you cash in before 5 years! Kind of like a 5-yr fixed deposit with a penalty and a current rate of 4.4% if bought before April 2002.
Oh yes, panipuri - I would also recommend savings deps at credit unions if you have access to these - you can get really good rates w/ flexibility.
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Ajit: Regarding I-bond a quick snapshot :)
I hope everybody will find it easy and very much helpful to understand :)
I Bond has two separate rates: a fixed rate of return and a variable semiannual inflation rate. The fixed rate remains the same throughout the life of the I Bond, while the semiannual inflation rate can vary every six months. For example, the fixed rate may be 3% when I buy it -- that's permanent. On top of that, the Fed will affix an additional return equal to the Consumer Price Index-measured inflation rate -- right now, about 3%. In total, it earns about 6% right now. If inflation goes up, however, my return goes up accordingly. If deflation occurs, meaning that cash gains value, the variable rate can bring the total return down to 0%, but not below it. This gives some downside protection in a dreadful deflationary environment.
The advantages of the I Bond extend beyond their inflation protection.
I can buy directly from the Treasury Dept. in denominations from $50 to $10,000.
It is exempt from state and local income taxes. In Washington, D.C. that's not small potatoes.
It is subject to federal income tax, but that tax can be deferred until I dispose of the bond. It's like having an additional IRA for short-term savings.
If you use the proceeds to pay for college, then an I Bond can be excluded from federal income tax, too. Just make sure that the bond is held in the parent's name, not the name of the child. There are some other caveats that you'll want to read about before buying.
The main disadvantage of the I Bond is its relative illiquidity, but even that's not too bad. I have to hold it for six months after the issue date to get the original investment plus the earnings, but I can sell it anytime thereafter. If I redeem it within the first five years, there is a 3-month earnings penalty. So if I redeem my I Bond after 18 months, I'll get 15 months of earnings.
For more detail Info:
http://www.treasurydirect.gov/sav/sbiinvst.htm
I hope this is helpful :)
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Thanks yogi. I've been meaning to put some money aside to invest and all that but with the house its been a chore. Maybe if my company is still around (and if I am :) I'll think about the 401-k. That's a great investment vehicle (except if you worked for Enron). Do you - or anyone else on this board - take advantage of that?
Would love to hear your experience re: 401-k -- real benefits vs advertised/perceived benefits.
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Be very careful to money in your 401K investment vehicle.
Give a thought to following before investing blindly in 401K:
1. Are you going to live in US after your retirement? (probably age 65)
2. Do you intend to stay in US permanently your whole life atleast till age 65?
3. Does your company match equal in your 401K
If answers to above are "NO" then i will recommend not to put money in 401K for couple of reasons.
1. Once you invest money in 401K then its really hard to take out that money without paying penalties.
2. The only valid way to take that money out without penalties is to use it for your childs educational expenses that too after initial 5 yrs of 401K investment.
3. Unless your company matches equal in your 401k you will always loose money even after getting tax free interest since you pay taxes + 10% penalties + some fees for early removal(in some cases)
Do not put money in IRA's as well same problem as above :(
I hope this helps :)
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Yogi, tu CPA ka nahi hot re maaybolicha ??? :)
Good info though.. as always !!
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Samir: bus kya rao...khechaa leko :-P I got all this info karan me swataha barech options try kele aahet. An American Express Financial advisor gave me lot of detail info about IRA's and 401K along with how can we save some of our taxes.
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Why don't u put all that here.. Or atleas email me :P
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Samir: aare he gave me few informative booklets but if u would like to have info ter I will try to fax it to you xerox or send you by mail....
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yogi: are mi mage investment sathi ek bb ughadala hota to disat nahi.. tu tyavar charterone baddal lihile hote.. any ways.. charterone cha rate 3 % zala.. :(
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Samir: aare 3% ter tevdhe.....bakichya banks ter 1% sudhaa det nahi aahet sadhyaa :(
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Sherpa
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| | Thursday, July 31, 2003 - 1:09 am: | 
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indiat kayamche parat jatana US madhe shares asatil tar te vikave lagatat kar? ka india madhe parat gelyavar pan te trade karata yetat
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Pallavi
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| | Thursday, July 31, 2003 - 3:23 pm: |
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Sherpa, see if this helps.
http://www.statebankofindia.com/nribanking/returnindian.asp
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Nirakar
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| | Thursday, August 07, 2003 - 5:39 pm: |
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Mala Stock market che Neural network model karayache aahe to generate more accurate timing signals. Konakade mahit aahe ka?
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Abedekar
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| | Thursday, August 07, 2003 - 7:03 pm: |
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nirakar, there are tons of resources on the web: maybe you should consider a google search instead
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Nirakar
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| | Thursday, August 07, 2003 - 9:44 pm: |
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AB: I tried all these, I gone thru many accadamic research papers also but I am not sure how to convert it in to code. I want to create XLS macro or Add in so that I can define my own indicators. Once done I would like to back test and forward test application.
Do you know specific site where actual implementation details (formulie) are given esp for NN or AI-NN
XLS is choice simply becaus I can connect to net and get quotes and historical data and Charting is easy. Other choice may be VB.
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Nirakar
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| | Thursday, August 07, 2003 - 9:51 pm: |
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Tya SBI chya site varachi NRI chi defination confusing vatali koni sopya shabdat sangel ka?
Anakhi ek esp for Sherpa: What is Tax liability on income earned in US and Xred to India (NRE or any other account). I heard some new regulations are accepted in GOI based on Kelkar commission. Any inputs?
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Pallavi
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| | Thursday, August 07, 2003 - 10:07 pm: |
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Nirakar, NRI chi konti definition confusing watli?
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Pallavi
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| | Thursday, August 07, 2003 - 10:15 pm: |
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As per my knowledge NRI is a person of Indian origin who has continuously stayed abroad for employment/business for more than 180 days. (6 months).
Students studying abroad are not considered NRIs but I had read an article on rediff a while ago that the rbi was thinking over this issue.
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Nirakar
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| | Friday, August 08, 2003 - 12:30 am: |
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Pallavi: 180 in claender year or financial year (Apr - Mar)?
Another question I have is If I go back after 2 yrs of stay abroad, what will be my status? NRI irrespective of whether I complete 180 days in specified year?
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Yogibear
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| | Friday, August 08, 2003 - 1:24 pm: |
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Nirakar: If you are outside (physically) of the country of citizenship for more than 180 days (calendar 6 months) then you are considered as "Non Resident". I hope this should answer your question....
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Yogibear
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| | Tuesday, September 30, 2003 - 7:23 pm: |
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Abe: To be frank, at any point of time take the best deal u get as it keeps changing. If you are not going to be active trader make sure you get an account which do not involve lots of maintenance fees.... I have used 'Datek' now merged with 'Ameritrade' though I am novice in stock speculations.....still have done some transactions for the feel of it.
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Mukund
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| | Tuesday, September 30, 2003 - 7:56 pm: |
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abe: if u r novice to this i will advice you to use broker company like schwaab or fidelity, and as u get ur feet wet u can do trading on line like with ameritrade which i use. online trading is much cheaper. watch cnnfn and msnbc and shows like lou dobb show,neil cavuto show,maria butroski show for general information.i subscribe wall street journal which helps me inmaking lot of informed decisions on my investment.
as far as selecting a mutual fund--it depends on your investment goal, i am assuming u r in your twenties, usually its a good idea to invest in funds which are growth funds. there r many kinds of funds e.g. growth fund, growth and income funds, money market funds etc. its good to subscribe magazines like kiplinger ,wealth or money magazine whee u will get tons of information each month.growth funds are usually high risk high return kind of funds but u should be willing to ride them for long term.then there are some tax sheltered bond funds typiclly low return low risk funds. so sit down, decide your investment goals and act accordingly. just remember one principle--and never ever forget that!DONT PUT ALL YOUR EGGS IN ONE BASKET! diversify your portfolio.have proper balance between stocks,bonds and precious metal. keep an eys on gold price.its 380 dollars/ounce now. just 2 yrs ago it was 256 dollars/ounce! so study the market. accumulate and gather information and use it to your advantage.i use quicken delux to manage my portfolio.its a great software.
go to local fidelity brokerage service, talk to them, u can get tons of information about mutual funds from them. try to buy no load and low maintainace funds. fidelity,strong,janus,american century,these are some of the biggest mutual fund companies. study their funds,look at their track record,look who is managing the funds u r interested in buying, look at those fund managers track record,look at the top 10 companies and sectors those fund invest their money into.
any way this is just a brief basic information for you to start, i am sure u can expand on this on your own. about the 401k(by the way u should fully use this option!also use ira acount and roth ira if u can ,for tax free investment shelter!) money withdrawl, i am not sure since i am a us citizen i never looked into those rules of withdrawl. i am sure somebody else can help u in that.GOOD LUCK IN YOUR INVESTMENT!
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Abedekar
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| | Tuesday, September 30, 2003 - 8:07 pm: |
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also - are there any IRS regulations/restrictions on stock dealings for immigrant workers (H1B)?? [since this would count towards income other than that from the primary source of employment]
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Yogibear
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| | Tuesday, September 30, 2003 - 8:22 pm: |
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"by the way u should fully use this option" <<<< applicable only if u r settling in USA so as to take tax benefits.
Abe: Dont worry about visa status as u can file Schedule C - "Capital Gains" with your income tax forms....
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Abedekar
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| | Tuesday, September 30, 2003 - 8:52 pm: |
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YB - i findit hard to believe that there is no loophole around the 401 k withdrawal penalty - what about the one year unemployment period i mentioned in my earlier post
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Yogibear
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| | Tuesday, September 30, 2003 - 9:06 pm: |
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Abe: I am not sure if that holds true for H1-visa person, since a person is unemployed his/her status is as it is invalid....
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Abhay
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| | Wednesday, October 01, 2003 - 2:56 pm: |
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for 401k withdrawal with out penalty I guess you can do "rollover IRA". not sure how it works or details about it.
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Yogibear
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| | Wednesday, October 01, 2003 - 3:11 pm: |
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Abhay: I guess Abe is talking about situation where the person is leaving USA for good and wants to take 401K back to his home country...
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"by the way u should fully use this option" <<<< applicable only if u r settling in USA so as to take tax benefits.
>>>> Not necessary to settle in US. Employer may give 401(k) match, which is like "free" money.
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Yogibear
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| | Wednesday, October 01, 2003 - 8:43 pm: |
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Upashiboka: Plz elaborate on "Employer may give 401(k) match"!!! How is this free money?
I have done preliminary calculations and hence the Q
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Abedekar
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| | Wednesday, October 01, 2003 - 8:48 pm: |
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particularly if its a cash matching !!
if the company is matching your contribution, then its worth taking advantage of - esp if its CASH matching - if its stock - then its debatable whether that is really an advantage
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Abhay
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| | Wednesday, October 01, 2003 - 8:54 pm: |
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Employer match can be yours 100% if you complete 6 years with them. 20% from 2years onwards. Its length of stay with employer and not in 401k I guess, so if you start 401 after 6years then all the employer match is 100% vested to you.
To avoid penalty I guess you have to rollover it first and then remove, Is their any penalty for IRA too? I had put this question to one of my friend that if I have to go back what happens to my 401k fund and he answered that roll it over to IRA. I am still a novice in this and don't have these funds!!
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Yogibear
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| | Wednesday, October 01, 2003 - 8:54 pm: |
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Abe: Plz check those options again.
1. Check if company matches 100% (1:1)
2. Does it have a requirement of employee working for x number of years with the company in order to get full advantage of that matching amt.
3. Check whats the penalty if you remove money before the retirement (in general its 10% + Tax)
With my calculations unless your company matches 100% and if you stay with the company x number of years then you would get all your money back as the tax part and 10% penalty would be close to 100% matched part by the company, eventually you save on your money by getting it in full. But otherwise mostly you will end up paying a part of your 401K in penalty......
Yes, IRA account works similar to 401K except it has different requirements but early withdrawal has tax + penalty. I have personally confirmed this with Amex Advisor.
If you get new info on IRA/roth IRA account plz post here....
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Upashiboka
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| | Wednesday, October 01, 2003 - 10:46 pm: |
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Employer match can be yours 100% if you complete 6 years with them >> This depends on 401(k) vesting schedule. Sometimes, you may be vested immediately or maybe after 3,5,6 years. Vesting applies to employer match only. You are always vested in your own contribution.
you can put away up to 16000 in 401k >> No. You cannot put more than $12,000 (next year, it will be $13,000) of your pre-tax dollars. However, if your plan allows after-tax contribution, then you can contribute upto total (employee + employer) limit of $40,000 But you are better off investing your after-tax dollars in Roth IRA rather than 401(k).
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Mukund
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| | Thursday, October 02, 2003 - 1:54 am: |
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upaashibokaa: 16,000 was 16% of 100,000 salary, the number i used for simple maths. you are allowed to put upto 16% of your salary in 401k, but u r right 12,000 is the max cap per year for 401k.
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Abedekar
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| | Thursday, October 02, 2003 - 2:12 pm: |
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thanks for the discussion ... yet i still have a question that went unanswered (not answered upto my expectation would be more appropriate !!) - so let me throw that at y'all again:
do y'all trade in stocks/MFs on the side (i.e. not the 401k)? if so, what kind of brokerages do u use etrade/ameritrade/schwab/dean witter?- what are your experieinces about these?
i'm interested in: using a brokerage account as a checking account (with a minimalfee, minimum balance is ok), and carrying a few transactions per year only ... very short term investments only ... (paying a transaction fee is obviously ok ) so that when no money is invested at all .... its just a regular checking account
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I use TD Waterhouse. "Swasta ani masta", but now they charge fees if your account balance is not above minimum. I guess any discount broker would be fine if you don't need advice from them. TD Waterhouse offers good information & S&P reports free, but I subscribe to WSJ and Morningstar, so I rarely use S&P reports.
I also have checking account (again free) with them and I can transfer money between my brokerage account and checking account online. Checking account offers free online bill payment. The reason I chose TD Waterhouse is because they have offices throughtout the country so you can go there in case of any problem.
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Abedekar
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| | Thursday, October 02, 2003 - 2:33 pm: |
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minimum balance is fine ... but the advantage of using it like a checking account is excellent ... if you are looking for only a small # of trades a year ... and have money sitting idle for a good bit, then you would rather not have to pay a fee to maintain the account !!
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Abedekar
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| | Wednesday, November 19, 2003 - 2:23 pm: |
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after all the discussion we had on this topic several weeks ago, i have more questions (or am soliciting views/opinions/experiences):
* where do you folks channel your savings? surely, savings accounts(or even money markets/CDs thesedays) are a losing proposition ... stocks/MFs/real estate?? what about investing in india (deposits/FCNR/NRE etc or even stocks)?
* if money is invested in stocks/MFs, what about income tax - if stocks gain in value, do you have to pay income tax unless you actually cash in?
what are the penalties for liquidation - capital gains??
AGAIN, IM NOT TALKING ABOUT 401(k) - im referring to money sitting in the bank
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Abe,
1. Keep some "liquid" assets as emergency fund. You can keep about 3 months expenses (depends on your comfort level) in money market account.
2. If you have high interest debts (e.g. credit card), pay off that amount.
3. Maximize your 401(k) if available.
4. If you have more cash available and if eligible, invest in Roth IRA.
5. If you have still more cash, pay some towards prinicipal pre-payment of mortgage and invest the rest. You do not have to pay taxes on any stock gains until the gains are realized, but you do have to pay taxes on dividend each year (but you can include that gain in your cost-basis.)
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>>"im referring to money sitting in the bank"
abe don't know if u found out answer to ur qn. mi asach general lihito ahe.
malahi ha problem padala ahe. sadhya mi gela 1 varsha bharapasun bharatat alo asalyane mi te bharatat kuthe invest karata yetil te sangto.
(main thing- konatyahi investment madhe ekhadya senior citizencha naav pahila takalat tar best hoil. They have better tax exemptions. Apala nav dusara lava ani either or survivor asa option select kara. Shivay, 1 takka jasta vyaj milata)
anek prakarchya investments asu shakatat.
mala 2 mahatvachya vatalya. ek low risk sure returns ani dusari high risk high returns.
pahilya prakarat...
a) best is Indian Post. tyanchi monthly income scheme ahe. tyat 8 takke darane vyaj milta. ani TDS (tax deducted at source) hot nahi. almost no risk because Indian government backs it. deshach budala tar paise budatil. same thing is about RBI bonds. pan ithe TDS hota ani postachya scheme peksha returns kami ahet.
b) National savings certificates gheta yetil. ithehi 8% int. ahe.
c) FDs in various banks. normally co-operative banka jasta dar detat pan tyat risk aste. arthat jara bankebaddal mahiti kadhun mag thevale tar risk kami hou shakel. almost everyone has FDs in co-op banks.
BTW, 1 lakhaparyant chi investment government secured aste. Like, ekachya navavar eka shakhemadhe max. 1 lakh thevavet. Tyach vyaktichya navavvar tyach bankechya vegalya shakhet ajun 1 lakh thevale tar tehi secured asatat. ha rule general saving accounts or FDs sathi pan lagu ahe.
d) various tax saving bonds by RBI, ICICI, HDFC etc. yaat low risk ahe karan ya banka huge ahet.
dusarya prakarat stocks, MFs yetat.
stock market baddal tumhala confidence asel tar saral online trading account madhun karu shakatach.
Otherwise, MFs are better option because investment in stocks is done by talented and experienced persons on behalf of us.
yaat mala ekach prakar select karavasa vatala. Equity type MF.
Equity type means those invest largely in stocks of various companies. yaa prakarat high returns milu shakatat pan high risk dekhil ahe. ani arthatach, he paise secured nahit. So one may loose all the money.
yaat barech prakar asatat. mala interesting vatale te mhanaje...
a) Equity-Diversified
In this, they invest in any type of companies/sectors. Not like they will invest only in petrolium sector or so. Wherever they think profit is, they will invest.
b) Equity-sectored
In this, they will invest only in certain sector, like petrolium, IT technology or so. Tumhala asa vatat asel ki facta IT type chya companies madhe invest karava tar asha prakarchya MF madhe paise taka.
Itarhi barech prakar ahet pan te tumhi sites var jaun pahu shakata. Indian sites...
http://www.valueresearchonline.com/
www.moneycontrol.com
www.sharekhan.com
www.icicidirect.com
MFs madhe USA madhehi invest karata yeilach. pan ithalya postachya schemes sarkha (pahila prakar) secured low risk investments USA madhe konatya ahet te mala mahit nahi. Archives madhe sapadle 2 3 yogi ne lihilele.
NRIs can invest in Indian MFs through icici, hdfc online trading sites.
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btw, anyone knows what is exactly book building method of an IPO? Patni computers is using this type for its IPO. Anyone has any info about Patni IPO?
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Sahilshah
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| | Tuesday, January 27, 2004 - 2:26 pm: |
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Book building is like you are bidding in auction. Not only you but all peoples are bidding for it. Bidding has to be in the range of minimum & maximum value specified. (Sometime company do not specify minimum /maximum value. In case of Maruti only minimum value of Rs 115 was specified).
Depending on the IPO subscription, company will decide the IPO price as follows.
Assume that a small company have public issue of 10 shares with book building & got following applications
1> 5 shares with Rs 200 per share
2> 5 shares with Rs 210 per share
3> 5 shares with Rs 220 per share
4> 5 shares with Rs 230 per share.
In this case IPO price will be decided as Rs 220 (cut off price for the 10th share when arranged sequentially from high value to low value)
In case of Patni Comuter , I think it will close to Rs 230 (cut off limit). Most of the peoples will try to bid for maximum value.
One has to bid at as high as possible but there is risk that you can get the share at higher price. I asked my father to bid for Rs 121 for Maruti but he was not able to get shares (Everybody who bid for Rs 125 or more got shares at the rate of Rs 125). TV Today was oversubscribed for more than 35 times. So company allotted shares using balloting for those who applied at higher cut off price.
Regarding the Patni Comuter, I think IPO price is too high. It is Rs 2 share with estimated EPS is about Rs 13 per share. Price band of Rs 200 Rs 230 will have P/E ration of more than 15. However in short term you may get 30-40% gain .
This is my personal opinion & it may be wrong.
I think NRI (except peoples from Middle East) can not use icici direct share trading. Correct me if I am wrong. I tried to open a trading account in 2002 as NRI but ICICI refused to do it .
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Hemantp
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| | Tuesday, March 16, 2004 - 4:24 am: |
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Can somebody tell us about the Allocation of ONGC IPO ?
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Sahilshah
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| | Tuesday, March 16, 2004 - 10:30 pm: |
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For retail investor(those who applied for less than Rs 50000) everybody got it.
Anybody know about allocation to existing shareholders?
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Nandya
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| | Wednesday, March 17, 2004 - 6:04 pm: |
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Salil, any idea how Warren Buffet managed to pocket a chunk worth about one billion US dollars (Rs 4500 Crore) from the ONGC IPO? How does that work?
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Sahilshah
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| | Thursday, March 18, 2004 - 2:11 pm: |
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Warren Buffet can not invest as an individual in Indian share market. He can invest through his trust or through a institutional investor. There was a rumor that he invested 1 billion US$ in ONGC. But Warren Buffet declared that he did not invest in ONGC
Even as per press release from government Warren Buffet had not invested 1 billion US dollar in ONGC. Two FII & Government of Singapore bid for 500 million each (2500 Crore), while reliance bid for (800 Crore) I got this info from Economic Times of India.
However it may be possible that two FII might be invested on behalf of Buffet.
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Nandya
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| | Thursday, March 18, 2004 - 3:19 pm: |
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Thanks for the info.
Can a Foreign Government invest in infrastructure IPO's in India? (Like the G of Singapore that you mention above)
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Government represents peoples of the respective country. So they are treated as foreign institutional buyer(FII).
FII can invest in IPO as well as secondary market. But every company is having limit for FII investments. Indian Government as well as shareholders of the company decides this limit. For example FII can invest only 74% in banks (government rule). Therefore ICICI bank can have up to 74% of FII stake. But for State Bank of India FII can invest only 20% as this is the limit approved by shareholder (lower % of government rule or shareholders approval).
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Vinya
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| | Monday, April 05, 2004 - 4:15 pm: |
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thanks madat samiti!!!
maaJao p`Xna yaa varcyaa cacao-XaI saMbaMQaIt naahIyaot.
maI nauktoca vaacalao kI NRI naaÊ Baartat XaotjamaIna KrodI krta yaot naahI. pNa %yaanaa ibagar XaotI ³ N.A. JaalaolaI´ jamaIna KrodI krta yaoto.
1. ho Kro Aaho kayaÆ AaiNa jar Baartat XaotjamaIna KrodI krayacaI Asaola ³ farmhouse vagaOro´ tr yaavar kahI pyaa-ya Aaho kayaÆ
2. NRI status imaLNyaapuvaI-Ê mhNajao Baartat AsatanaaÊ jar eKaVa vya>IcaI XaotjamaIna Asaola trÊ NRI JaalyaanaMtr Baartat AXaI XaotI naavaavar AsaNao yaat kahI legal problem Aaho kayaÆ
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Atulpj
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| | Wednesday, April 07, 2004 - 11:34 am: |
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Anyone knows how to invest in japanese stock market. I am currently in japan and most of my english friends form US advice me to invest in japanese stocks. Is there any special about Japanese than NASDAQ or BSE in India??
I am searching some links also where I will get some information about trading in foreign Market.
Please let me know if you have any information.
Atul
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Sahilshah
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| | Thursday, April 08, 2004 - 11:47 pm: |
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As per US people, special thing about nikkei (stock market index) is large variation you get. It was 40000 in early 80s then it went down to 10000, again it climbs up to 40000 in 1990. Later it went below 8000 last year. Now it is at 12000, 2 years high. Dow Jones does not have this kind of variation. (Now days NASDAQ also have same kind of graphs !!!)
Japanese stock market have less frauds than India or US (you will not hear cases like enron , anderson etc).
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Yogibear
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| | Wednesday, May 19, 2004 - 3:17 pm: |
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Any advice on good (safe) Investing Options apart from Stocks/property in US!!!
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1. Money Market
2. Bond mutual funds
3. CD's
(Depends on the timeframe you looking for and how much safety you are looking for.)
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Boli
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| | Wednesday, May 19, 2004 - 3:54 pm: |
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Is it advisable to invest in gold in the current market?
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Yogibear
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| | Wednesday, May 19, 2004 - 4:07 pm: |
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Upashiboka: Plz be more elaborative... with examples if you can...
1. MM - not a good choice as it is not even paying more than 1.5% as of now.
2. Bond Mutual Funds - I am not looking for long term investment so not sure if this is viable option considering fees/commissions involved.
3. CD's - not a good choice as it is not even paying more than 2% as of now.
Any thoughts on ETF's?
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Abedekar
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| | Wednesday, May 19, 2004 - 4:25 pm: |
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interestingly, the rupee has appreciated so much against the dollar inthe past year or so , that even investing in NR/E accounts in india would have yielded excellent gains (both from the higher interest rates on rupee accounts in india, and from the currency appreciation)
ofcourse ... hindsight is always 20-20! but maybe someone can comment on suitability of this option in the present scenario
YB - wat are ETFs?
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Abedekar
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| | Wednesday, May 19, 2004 - 6:05 pm: |
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if i understand it right, you can earn interest on it in rupees, and pull it out at the prevailing exchange rate in dollars. the commision costs are generally trivial. and looking at how much the rupee gained on the dollar, you had more than 10-12% gain simply because of the exchange rate! and your interest would have more than amply covered for the commission costs. i think it is a viable investment option (with its own risks and pitfalls ofcourse) even for those who are not thinking of going back to india in the short term ... but that is just my opinion
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