Yogibear
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| | Tuesday, August 29, 2006 - 2:55 am: | 
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'About Long Term Investing' - Nice insight about long term investment goals....
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Prasadp77
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| | Wednesday, September 27, 2006 - 1:04 pm: |
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Hello all,
I am thinking of investing few of my left over pennies in some form of investment. I ventured into this stocks issues before but I don't have enough time and knowledge to keep a tap on market moves. In such scenario, which form of investment is good?
Mutual funds could be better option but I want to do it independent of anybody's help in India and I don't have any trading accounts so it is difficult to work out in this scenario.
I thought of FCNR as it keeps my money in foreign currency fixed for certain amount of time, but again which currency is most stable (GBP and Euro in my opinion, please correct if I am wrong) but the interest rates are low (and I think thats fair taking into account the time and knowledge I have for other more return investment plans)
Any wise method that this one?
Many thanks
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Bee
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| | Thursday, September 28, 2006 - 10:28 am: |
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प्रसाद सर्वात छान तर mutual fund चा पर्याय आहे. FCNR मी कधी try केलेला नाही. Indian postal चे इंदिरा विकास पत्र वगैरे पण छान scheme आहेत. त्यामध्ये तुला 8.7% व्याज मिळेल. आजकाल इतकं व्याज कुणी देत नाही. त्यांची अजुन एक schema आहे. तू जर तीन लाख रुपये गुंतवले तर दर महिन्याला त्याचे तुला २००० रुपये व्याज मिळेल. बरेच निवृत्त झालेले ह्याच scheme मध्ये पैसे गुंतवितात म्हणजे महिन्याचा खर्च चालतो.
हेही जर करायचे नसेल तर एखादी जमीन विकत घे. मस्त भाव येतो पाच वर्षात.
मी एका mutual fund मध्ये १५ हजार रुपये गुंतवले होते. त्यावेळी १५ हजार रुपये साठविणे माझ्यासाठी कठिण होते. तू म्हणतोस त्याप्रमाणे left over pennies रक्कम होती, त्याची वाढ होऊन पाच वर्षात मला त्याचे ६५ हजार रुपये मिळालेत. लकीली त्या फ़ंडनी चांगली growth केली.
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Prasadp77
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| | Thursday, September 28, 2006 - 12:20 pm: |
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Bee, your idea is very true but in most of the cases, I have to take help from my parents and I don't want to bother them. In such scenario, I could not find any other option than FCNR and that is the only reason, I am pushing for it but other options are always welcome.
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Kedarjoshi
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| | Thursday, September 28, 2006 - 2:05 pm: |
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Prasad,
Now you can buy Mutual funds online ( no need on Online trading a/c). Try this site
www.timesofmoney.com/mf/jsp/home.jsp?productid=mutual_funds
times of mone is really good and its online without any bank a/c and demat a/c
You can try citibank (for this you have to have a NRI a/c).
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Asami
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| | Thursday, September 28, 2006 - 5:10 pm: |
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times of mone is really good and its online without any bank a/c and demat a/c
>> don't they need NRE/NRi a/c for web transfer ?
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Kedarjoshi
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| | Thursday, September 28, 2006 - 5:23 pm: |
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बहुतेक नाही पण एकदम नक्की सांगु शकत नाही.
त्या साईट वर तुम्ही पैसे ACH ने भरायचे. तुमचे ईथले a/c लिकं वैगरे करुन.
मी ती try नाही केली कारण माझे online trading a/c आहे भारतात.
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Bee
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| | Friday, September 29, 2006 - 2:15 am: |
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प्रसाद, ही मदत घेणे फ़क्त एकदाचेच काम आहे. मग पाच वर्ष बघायची गरज नाही राहत. त्यामुळे आईबाबा नाहीतर इतर कुणी भावंडापैकी असेल तर त्यांना तसे तू सांगू शकतोस. किंवा आत्ता नाहीतर भारतात जाशील तेंह्वा ठरवूनच जायच म्हणजे रेंगाळलेली कामे पुर्ण होतात. इंदिरा विकास पत्र बंद झाले आहे. त्या ऐवजी किसान विकास पत्र सुरू झाले आहे. चक्रव्याढ व्याज आहे आणि दर आहे ८.७ टक्के.
सध्या Bank of India चे व्याजदर छान आहेत. पुर्वी म्हणजे दोन वर्षांपुर्वी अनिवासी भारतीयांना फ़क्त २.१ टक्के व्याजदर होता. म्हणजे काहीच नाही.
माझा एक मित्र म्हणाला मी जे पर्याय वापरतो ते खूप जुने आहे. तो MBA, Finance, IIMA मधील आहे. आता त्याच्याकडून खूप माहिती घेणार आहे..
केदार, मीही online Mutual fund बद्दल ऐकले आहे. कितपत सुरक्षित असेल माहिती नाही..
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Online mutual fund and regular mutual fund madhye kahich farak nahi except the method of payment is online..
so the crux is to select the fund..
Always go for trusted names atleast for 60% of the pie..rest can be invested in others..
NRI lokanni baherun direct shares trading etc. karat basanyapeksha mutual funds ch vaparaave...tyamule risk nakki ch kami hote..
futures nd options ha ek ajun bara paryay...pan tyasathi roj cha vel dyayla hava analysis sathi..
kON MHANTO KI MAAGE DISCUSS ZALELE MARG OUTDATED AHET??
TECH AJUN HI VALID ANI CHANGLE AHET..
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Prasadp77
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| | Friday, September 29, 2006 - 11:34 am: |
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Thanks everyone for generous inputs.
Online transactions are indeed good options but I don't have really good experience of Indian banks with this online stuff. They are still pretty much in this babugiri and I don't have time to run after them for my few pennies and that is the only reason, I was thinking of most secure option.
I seriously got into this mutual funds about 6 months ago with a friend of mine who was ready to take care of all my funds and roam them around along with his but now he himself is in the US and I don't want to bother his father so I am stuck.
Since I am not planning to go to India for another year, I don't want Swedish government to suck up the added tax on my savings.
I will look into Kedar's option of timesofmoney and check how to work it out with that one
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बी मला जरा माहिते दे बघु किसान विकास पत्रा ची? एन आर आय ला किति इन्ट्रेस्ट रेट बसतो ते कळव? मेल केलास तरि चालेल हो
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Yogibear
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| | Tuesday, October 24, 2006 - 1:31 pm: |
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Online Library of Investment Articles and Reprints...
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Yogibear
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| | Friday, November 10, 2006 - 4:19 pm: |
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Track Stock Prices With Trendlines
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Satishm27
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| | Saturday, November 11, 2006 - 7:18 am: |
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Yogibear
आपण खूप "उपयोगी" link देता!!!!!!
अन यापुढेही देत जा!!!!
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Mansmi18
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| | Thursday, December 28, 2006 - 5:38 pm: |
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Namaste people,
I read some question about Kisan vikas patra: NRI CANNOT invest in KVP. Best bet is buy it in your father/mothers name and have them nominate you.
I have a question about Pune area:
How is Baner Road/Baner area for settling down.(Even if one does not have job in IT park?). We want to go back and settle in Pune. My daughter will be up for school in next 2 yrs. So how is that area from that point of view?
Please state positives as well as negatives.
Thanks in advance
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Aishwary
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| | Wednesday, January 24, 2007 - 5:39 pm: |
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Hi all
This is Aishwary this is really good informative BB
Why NRI Can not take KVP?
I am in USA and I did invest my left over Pennies in KVP
I can not purchase land or flat with my few pennies then how should I do Investment for future?? Can NRI take LIC in India??
What are the various Investment options when you have small amount to invest?
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Aishwary
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| | Wednesday, January 24, 2007 - 5:43 pm: |
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I have one option in mind Gold but do not know from where to purchase it in USA. Is there any site to check cost of gold coin??
Will it be good option or should I wait for some time for cost reduction??
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Aishwary
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| | Wednesday, January 24, 2007 - 5:51 pm: |
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What are the investment options in USA
Sorry for many queries but really need help
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Yogibear
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| | Wednesday, January 24, 2007 - 6:12 pm: |
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Aishwary: Few questions for you...
1. Your investment goal?
2. Long term or short term?
3. permanent residency factor!!!
Accordingly people can provide suggestions... 
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Aishwary
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| | Thursday, January 25, 2007 - 4:45 am: |
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Yogibear
Thank u for reading my queries
My investment goal is to invest my left over pennies for short or long term so
that I can get benifits out of my investment in some financial form only.
Residency is yet to decide India or USA but probably India as per todays's choice.
I have no one in India who will take care of land or flat etc so I do not think it will be proper option for me n in my few pennies it not possible even. Pls tell me wht do u think.
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