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Showing posts with label Wealth Creation. Show all posts
Showing posts with label Wealth Creation. Show all posts

Friday, May 26, 2017

How Small & Steady Steps can count Big in Wealth Creation

Dear Reader,

A small investment of Rs. 10,000 a month over a period of 10 years can help you create a corpus of Rs. 25 lakhs. Total amount invested over period of 10 years by you will be Rs. 12 lakhs and you will have profit of Rs. 13 lakhs. Not Good? This might look less to you as we are assuming returns of 13.5% per annum. If we assume returns of 27% per annum, your corpus will be Rs. 50 lakh and your profits would be more than 3 times of your actual investments that too when you are investing a nominal amount of Rs. 10,000 on monthly basis. Impressive! Right?

You might think that investing in mutual funds could be one of the way to start SIP (Systematic Investment Plan). However, returns may not be that high which you can generate by directly investing into good quality small and mid cap stocks. Hence, we suggest our members to start SIP by directly investing in stocks every month. What you are suppose to do is to invest your savings in a particular stock once in a month instead of putting it into mutual fund. Next month, same amount would be invested in another stock which at that point of time gives you good medium to long term investment opportunity. This could be an ideal choice for salaried employees as well as businessmen / entrepreneurs, as it will help you to directly invest in fundamentally strong small and mid cap companies to build a diversified portfolio of high quality small and mid cap stocks over a period of time to achieve wealth creation.

Investing in stocks is a great way to build your diversified investment portfolio. It is a simple and time tested approach for accumulation of wealth in a disciplined manner. Simply get some savings from your monthly income and invest in equities for long term. It not only allows you to save every month in a disciplined way but also help you ride through ups and downs of stock market.

Invest some portion of your monthly income in good companies without  timing the stock market and you will definitely get rewarded in long run.

Just take care of Basic Principle of Investing in Equities:

1. Invest in stock market with a long term view (3 - 7 years or more).
2. Invest in companies which are fundamentally strong with scalable business.
3. Follow disciplined approach by Investing regularly in equities.
4. Build a diversified portfolio by investing in small & mid cap companies.
5. Avoid frequent buying / selling of stocks, Its trading not Investing!
6. Review performance of your holding companies at least once a year to decide whether to buy / sell or hold.

Hidden Gems - SIP Returns @ 256.2% Vs Small Cap Index Returns @ 73.2%

It gives us immense pleasure to share that average returns of Saral Gyan 64 Hidden Gems stocks (Our Unexplored Multibagger Small Caps) released since inception (from Sept 2010 to Dec 2016) during last 6 years is 256.2% compared to 73.2% returns of BSE Small Cap Index. Monthly investment of Rs. 10,000 in Hidden Gems till Dec'16 during last 6 years not only allowed you to save Rs. 6.4 lakh but also appreciated your investment by more than 2 times making your total Hidden Gems stocks portfolio of Rs. 22.8 lakh with overall profit of Rs. 16.4 lakh. However, if you would have invested the same amount in Small Cap index, you would be sitting with overall gains of Rs. 4.68 lakh.

Below is our Multibagger Stocks - Hidden Gems performance scorecard since inception  (from Sept 2010 to Dec 2016) which illustrates value of Rs. 10,000 invested every month in Hidden Gem (Unexplored Multibagger Small Cap Stocks) stock of the month vis a vis value of Rs. 10,000 invested in BSE Small Cap Index during last 6 years as on 26th May'17.
We are glad to inform you that 42 Hidden Gems stocks out of 64 during last 6 years have given more than 100% returns to our members. Moreover, 32 stocks out of these 42 have given returns in the range of 200% to 1800%.

Note: Total 64 Hidden Gems stocks were released (till Dec'16) during last 76 months, we have not released Hidden Gems for the months not displayed in the table above.  

We also suggested our members, which earlier recommended Hidden Gems stocks can be added more in their portfolio based on company's strong fundamentals. Ex: Mayur Uniquoter, Cera Sanitaryware, Wim Plast, Camlin Fine Chemicals, Acrysil, Kovai Medical, Superhouse, De Nora, Atul Auto, Control Print and Stylam Industries were some of the stocks which we recommended to our members to accumulate later also at higher price from our initial recommended price. Now profits can be seen as these stocks have given multibagger returns.

As we made most of these reports public, you can access read / download our research reports by clicking on the Read / Download link:

1. SAB TV NETWORK >>> Rec. Date: 05 Sep'10 >>> ROI: 890% >>> Read / Download

2. DE NORA >>> Rec. Date: 07 Nov'10 >>> ROI: 225% >>> Read / Download

3. CAMLIN FINE >>> Rec. Date: 27 Mar'11 >>> ROI: 1243% >>> Read / Download

4. WIM PLAST >>> Rec. Date: 30 Aug'11 >>> ROI: 1522% >>> Read / Download

5. KOVAI MEDICAL >>> Rec. Date: 27 Oct'11 >>> ROI: 1040% >>> Read / Download

6. CERA SANITARY >>> Rec. Date: 24 Dec'11 >>> ROI: 1760% >>> Read / Download

7. SUPERHOUSE >>> Rec. Date: 29 Feb'12 >>> ROI: 212% >>> Read / Download

8. MAYUR UNIQ. >>> Rec. Date: 31 Mar'12 >>> ROI: 560% >>> Read / Download

9. PREMIER EXPLO. >>> Rec. Date: 22 Jul'12 >>> ROI: 490% >>> Read / Download

10. ROTO PUMPS >>> Rec. Date: 05 Aug'12 >>> ROI: 420% >>> Read / Download

11. TIDE WATER OIL >>> Rec. Date: 30 Oct'12 >>> ROI: 193% >>> Read / Download

12. ACRYSIL >>> Rec. Date: 25 Nov'12 >>> ROI: 352% >>> Read / Download

13. BAMBINO AGRO >>> Rec. Date: 25 Dec'12 >>> ROI: 363% >>> Read / Download

14. TCPL PACKAGING >>> Rec. Date: 31 Jan'13 >>> ROI: 755% >>> Read / Download

15. ATUL AUTO >>> Rec. Date: 28 Feb'14 >>> ROI: 197% >>> Read / Download

16. RANE BRAKE >>> Rec. Date: 31 May'14 >>> ROI: 440% >>> Read / Download

17. DYNEMIC PROD. >>> Rec. Date: 29 Jul'14 >>> ROI: 214% >>> Read / Download

18. ASIAN GRANITO >>> Rec. Date: 29 Sep'14 >>> ROI: 261% >>> Read / Download

19. CONTROL PRINT >>> Rec. Date: 30 Nov'14 >>> ROI: 58% >>> Read / Download

20. PLASTIBLENDS >>> Rec. Date: 31 Jan'15 >>> ROI: 110% >>> Read / Download

21. MOLD-TEK PACK >>> Rec. Date: 22 Mar'15 >>> ROI: 171% >>> Read / Download

22. VISAKA IND >>> Rec. Date: 05 Jul'15 >>> ROI: 179% >>> Read / Download

23. CHEMFAB ALKAL. >>> Rec. Date: 06 Sep'15 >>> ROI: 178% >>> Read / Download

24. ULTRAMARINE >>> Rec. Date: 11 Oct'15 >>> ROI: 115% >>> Read / Download

25. STYLAM IND. >>> Rec. Date: 08 May'16 >>> ROI: 240% >>> Read / Download

We are confident that we will continue to hunt best Hidden Gems from universe of small caps by doing authentic, in-depth and unbiased research work and support our members to make educated investment decision.

Through Hidden Gems and Value Picks, we are providing you opportunities to invest in such small / mid cap stocks today. Infosys, Pantaloon, Dabur, Glenmark were the small cap stocks in past and today are the well known companies falling under mid and large cap space.

The stocks we reveal through Hidden Gems & Value Picks are companies that are either under-researched or not covered by other brokers and research firms. We keep on updating our subscribers on our past recommendations suggesting them whether to hold / buy or sell stocks on the basis of company's performance and future growth outlook.

Time has shown that smart investors have made their fortune by investing in equities in long term. None other asset class can match giving you such extra ordinary returns. Yes, its important for you to invest in right set of companies at right price with medium to long term perspective. If you think to invest in stocks for period of 3 months or 6 months, we suggest you to stay out of stock market because you are not investing, you are betting on volatility of stock market which could be risky.

Do contact us in case of any queries, we will be delighted to assist you. 

Wish you happy & safe Investing.

Regards, 
Team - Saral Gyan

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 8:15:00 PM
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Tuesday, April 25, 2017

Check Fundamentals & Not Share Price while Buying Stocks!

Dear Reader,

Why is a stock that cost Rs. 50 cheaper than another stock priced at Rs. 10?

This question opens a point that often confuses beginning investors: The per-share price of a stock is thought to convey some sense of value relative to other stocks. Nothing could be farther from the truth.

In fact, except for its use in some calculations, the per-share price is virtually meaningless to investors doing fundamental analysis. If you follow the technical analysis route to stock selection, it’s a different story, but for now let’s stick with fundamental analysis.

The reason we aren’t concerned with per-share price is that it is always changing and, since each company has a different number of outstanding shares, it doesn’t give us a clue to the value of the company. For that number, we need the market capitalization or market cap number.

The market cap is found by multiplying the per-share price times the total number of outstanding shares. This number gives you the total value of the company or stated another way, what it would cost to buy the whole company on the open market.

Here’s an example:

Stock price: Rs. 50

Outstanding shares: 5 Crores 

Market cap: Rs. 50 x 50,000,000 = Rs. 250 Crores

To prove our opening sentence, look at this second example:

Stock price: Rs. 10

Outstanding shares: 30 Crores 

Market cap: Rs. 10 x 300,000,000 = Rs. 300 Crores

This is how you should look at these two companies for evaluation purposes. Their per-share prices tell you nothing by themselves.

What does market cap tell you?

First, it gives you a starting place for evaluation. When looking a stock, it should always be in a context. How does the company compare to others of a similar size in the same industry?

The market generally classifies stocks into three categories:

• Small Cap under Rs. 1000 Crores 

• Mid Cap Rs. 1000 - Rs. 10000 Crores

• Large Cap above Rs. 10000 Crores

Some analysts use different numbers and others add micro caps and mega caps, however the important point is to understand the value of comparing companies of similar size during your evaluation. You will also use market cap in your screens when looking for a certain size company to balance your portfolio. Don’t get hung up on the per-share price of a stock when making your evaluation. It really doesn't tell you much. Focus instead on the market cap to get a picture of the company’s value in the market place.

IMP Note: This article is written to safe-guard our readers who are new to stock market, and make them understand about the actual facts. We keep on receiving mails from our readers regarding the price range of stocks we covers under our Hidden Gems or Value Picks service. The misconception in mind of new investors is regarding the stock price, majority of them believe that if stock price is less, like below Rs. 50 or even below Rs. 10, changes of stock price appreciation is very high and they can buy more no. of shares rather than buying a limited no. of shares of high priced stock. 

We started Hidden Gems annual subscription in late 2010 followed by other services like Value Picks, 15% @ 90 Days and Wealth-Builder, today we have a strong subscriber base covering almost all major states in India and from 20 other countries across globe. During the last 6 years we have interacted with several investors seeking multibagger return from stocks. 

It was 17th Dec 2011, we recommended Cera Sanitaryware as Hidden Gem stock of the month at price of Rs 167, later it went up to Rs. 450 in period of 15 months. Based on strong quarterly numbers, attractive valuations and consistent performance, we recommended buy again in the range of 400-450 which was taken as a surprise by our members as we received several queries and feedback.

Below are some of the common queries of our subscribers which often lead them to opportunity losses.

1. How come a stock priced at Rs 450 can generate Multibagger returns?
2. Cera is almost 3 times moving from 170 to 450, why are you suggesting buy again?
3. Where is the room to generate Multibagger return from this level?
4. I don’t like such high-priced stock, please give me stocks priced below Rs. 100.
5. I want to buy more no. of shares, hence please recommend low price stocks below Rs. 10.

Cera Sanitaryware touched its life time high of Rs 3315 on NSE recently and closed at Rs. 3060.35 today, stock has given as on date returns of 1732% in 5 years from our initial recommendation and 580% return from our reiterated buy at Rs. 450, which was not liked by our subscribers.

The story does not end here, there is a long way to go. Our suggested stocks is with a view-point of 1-3 years at least and not just 6-9 months. If fundamentals of the company are intact, we would not suggest our members to do profit booking or exit. Investors who stayed away just because of high price simply missed yet another opportunity. We continuously recommended Cera during last year to our members at much higher levels.

There is a general misconception among the investors that high priced stocks can't generate multibagger returns. They often think that high-priced stocks are overvalued. In terms of valuation, a 50 rupees stock may not be cheaper than that of a 1000 rupees stock. There is no co-relation between the valuation and market price of a stock. To understand whether a company is small or large, you must look at market capital of the company and not at stock price. To judge valuation you must have to look at Price to earning ratio, Price to book ratio, Price to sales ratio etc.

Lets try to understand this with an example, Tide Water Oil share price was Rs. 1450 on 1st Jan'12 (stock split and bonus issue adjusted price, actual price was 5800). Today the stock price closed at Rs. 6015 giving absolute returns of 315% i.e. more than 4 times within 5 years against double digit return of Sensex in the same period. We suggested Buy on Tide Water Oil and many of our subscribers might not have invested in it thinking that they can buy hardly 2 shares by investing Rs. 12,000 but now those 2 shares are actually 8 shares post stock split and issue of bonus share and share price is also near to the the recommended price.

There are many examples like above by which we can illustrate that there’s nothing called high price. Multibagger returns is not dependent on the current market price of a stock, so don't be afraid of investing in high priced stock. You need to look at fundamentals like PE ratio, PB ratio, ROE, ROCE, debt on books, cash reserves along with other parameters to judge a stock whether it is undervalued or overvalued. We agree with you that judging valuation is not an easy task. So, take expert’s advise when ever required.

Another misconception among investors is to buy more no. of shares. They often think that its better to buy more no. of shares of a low price scrip (ranging below Rs. 10 or say below Rs. 50) instead of buying less no. of shares of high priced stocks. They often think that low price stocks can generate multibagger return quickly. During last 5 years, we have reviewed existing portfolio of our members under our Wealth-Builder (an offline portfolio management service) subscription, we have noticed that many of their portfolio is filled with such low-priced stocks and most of those are in great loss because of poor fundamentals. You may think that a two rupees stock can easily generate multibagger returns even if it touch to Rs. 5 or 6. At the same time don’t forget that the same can even come down to Rs. 0 levels which can evaporate all your investment giving you 100% loss! In terms of valuation a two thousand rupees stock may not be expensive than that of a two rupees stock.

Lets try to understand this also with a simple example, Lanco Infratech is a well-known company from Infrastructure sector. At the beginning of 2010 the stock was around Rs 55. Today it is hovering at just Rs 3.50. Those who purchased that stock during 2010 are in 94% loss! Rs. 1 lakh invested in Lanco Infratech in Jan 2010 is valued at merely Rs. 6,000 today, a complete wealth-destroyer! Isn't it? Those who bought this stock at levels of Rs. 30 and later again at Rs. 10 to average out thinking that stock has came down from all time highs of Rs. 85 are still waiting to get their buying price back. There are many such stocks like Suzlon Energy, GMR Infra, GVK Power and Infrastructure etc which have continuously destroyed wealth of investors over a period of last 5 to 7 years.

We do not state that all low price stocks are wealth-destroyers, it all depends on the fundamentals of the company. So, do ensure that you check out the fundamentals and valuations while investing in stocks instead of looking at stock price. Please get out of the misconception that low priced stocks will fly high faster giving you extra-ordinary returns. Always remember that stock price is just a barometer, actual valuations of a company can be determined by its fundamentals.

If you wish to invest in fundamentally strong small and mid cap companies which can give you far superior returns compared to major indices like Sensex or Nifty in long term and help you creating wealth, you can join our services like Hidden Gems, Value Picks & Wealth-Builder.

The stocks we reveal through Hidden Gems & Value Picks are companies that either under-researched or not covered by other stock brokers and research firms. We keep on updating our members on our past recommendation suggesting them whether to hold / buy or sell stocks on the basis of company's performance and future outlook.

Wish you happy & safe Investing. 



Regards, 
Team - Saral Gyan

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 10:05:00 PM
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Friday, January 4, 2013

Get your Equity Portfolio Health Check Up for Free!

Dear Reader,

Reaping great returns from your stocks portfolio will no longer be a far-fetched dream as team of our equity analysts will do a complete makeover of your equity portfolio.

We empower you to invest in stocks-safely & successfully. Our team objective is to share the right stock at the right price and at the right time based on fundamentals & technical analysis. So that you can tap the best investment opportunities and make your investment grow! Hence subscribing to Wealth-Builder could change the way you invest in stocks.

And there is no better time to subscribe than now, because we have a very special offer for you. Just subscribe to our Wealth-Builder, and we will provide you a complete analysis of your stocks portfolio, at no extra cost! Yes, you will get your equity portfolio health check up absolutely free. This offer closes on 10th Jan'13 and is available on first-come-first- serve basis. To know more about our Wealth-Builder service, click here.  

Once you subscribe to Wealth-Builder, you need to mail your existing stock portfolio to us and our senior equity analysts will examine your portfolio. A customised portfolio analysis report will be emailed to you with all the findings and a personalised action plan. Our team will do indepth analysis of your stock holdings and would require at least a week's time to share the report. With this, you can get excellent, risk-free returns on your investment.  

Your portfolio analysis report will:

1. Examine the fundamental strength of your stocks & guide you on which ones to hold or sell

2. Analyse the valuation of each stock based on current market price & provide an action point for each stock

3. Measure the exposure of your portfolio across sectors & stocks and suggest pointers for re-allocation

4. Check out your portfolio size and allocation across market-caps and suggest an optimal investment strategy

5. Provide a personalised action plan to maximise your returns over a period of time 

If you are a new investor you don't have a stocks portfolio currently, you can still subscribe to this offer now and avail the portfolio analysis facility after 6 months once you have a steady portfolio.

We are pleased to share the past performance of our Wealth-Builder portfolio. If you would have invested Rs. 1 lakh in beginning of 2012 in our carefully picked Wealth-Builder stocks without making any buy / sell transactions later, return on your investment would have given you profit of Rs. 47,100.

Wealth-Builder portfolio stocks published on 1st Jan 2012 have given absolute returns of 47.1% compared to Sensex returns of 27.3% in last one year.


Our 4 Wealth-Builder stocks (Yes Bank, Wim Plast, Cera Sanitaryware & Indag Rubber) of last year have given more than 100% returns. Actual returns are higher as we update our members regularly about which stock to buy and which to sell to maximise their returns in longer period of time.

Subscribe to Wealth-Builder annual subscription @ INR 15,000 ($310) & get your equity portfolio health check up for Free! Portfolio health check up will guide you to identify the best seeds which you continue to nurture and the weeds which you can erode from your equity portfolio. 

To know about our payment options and facilities, click here.

Do write to us in case of any queries, we will be delighted to assist you!

Regards,

Team - Saral Gyan

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 8:00:00 AM
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Thursday, July 26, 2012

Investing for Growth, Yield & Income

You've probably been listening all over about the fortunes being made in the stock market. With enough patience and a lot of discipline, you are almost guaranteed to make a considerable amount of money in the markets.

You merely need a willingness to put your savings to work in a balanced portfolio of securities tailored to your age and circumstances.

But you do have to understand how investing works. Investing is not about throwing all your money into the XYZ stock hoping to make a killing. Investing has nothing to do with getting a stock tip from your brother-in-law! Investing isn't gambling or speculation.

Investing is taking reasonable risks to earn steady rewards.

Investing works because it allows you to participate in the relentless growth of the world's economy, which hardly follows a straight line, but does trend upward over time. It's also true that the longer you stay invested, the faster your money will grow.

When you are determining your investment strategy you will always have to consider the following three elements:

1. Growth:

Growth is the rate at which your money appreciates during the time it is invested.

If you think you will need access to your funds sooner rather than later, look for an investment that provides a fairly safe and steady growth rate.

Long-term investments that are influenced by factors such as the inflation rate may lose money in the short term, but they can still grow over long-term. What will matter is not a slow growth rate (or even a loss) during a particular period, but a higher growth rate over time.

2. Yield:

Yield is the interest or dividends paid on your investment. Like growth, it can vary in importance depending on your needs.

If you are retired and your investment is funding your retirement, your investments should generate enough yield to let you live on the interest.

Savings accounts tend to yield small percentages. Stocks can yield the highest percentages but also have the greatest risk.

3. Income:

Income is closely related to yield. Does your investment, or the yield from your investment, make up a significant portion of your income.

If so, you may want to be more conservative with your investment choices to ensure that the amount of yield it produces remains consistent and reliable.

You should give careful consideration to where and how often you want to reinvest your money, as it could effect your financial security.


Subscribe to Hidden Gems and add power of small caps stock in your equity portfolio. Save upto 50% on subscription cost, Hidden Gems subscription charge will be revised to Rs. 7500 effective 1st Aug 2012. Subscribe @ Rs. 5000 and make direct saving of Rs. 2500. Hurry! Last 5 Days.

To read more on Hidden Gems payment options and facilities, Click Here!

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 11:00:00 PM
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Tuesday, July 10, 2012

Hidden Gem July'11 - Returns @ 130% in 12 Months

Dear Saral Gyan Reader,

Once again we are delighted to inform you that during bad times of stock markets, our equity analysts team has recommended the right stock at right point of time.

Hidden Gem July 2011 stock price is doubled giving more than 100% returns, stock touched all time high of Rs. 421.60 today, giving returns of more than 130% on your investment in span of 12 months. Isn't it great to enjoy profits of 130% during turbulent times of stock market.

So which Hidden Gem was recommended in July 2011 by our equity analysts?

Answer is WPIL (BSE Stock code: 505872)

Hidden Gems research report was sent to all our Hidden Gems subscribers on 24th July, 2011.  

We recommended Buy on WPIL at Rs. 182.50 (average purchase price) on 24th July 2011 for target of Rs. 460 with time period of 18-24 months. Today, stock has made 52 week high of Rs. 421.60 and closed at Rs. 415.95 giving absolute returns of 128% to our Hidden Gems subscribers.

Profit Booking Strategy: We recommend our Hidden Gems subscribers to book profits partially by selling 50% of their holding at current market price and keeping rest for long term. Remember, you need not to bother about your remaining quantity, its free for you. Once you  book profits of more than 100% by selling half of your shares, you can hold remaining 50% shares at no cost!

Click here to read/download WPIL (Hidden Gem - July 2011) research report.

Note: Its important to diversify your small cap stock portfolio, you can't just bet on one or two stocks. Our objective is to protect & grow your capital giving 100% to identify best of Hidden Gems but we do not guarantee similar returns from all our recommendations. Few of our Hidden Gems can perform better in a lesser span of time, few may take more time and need to hold for longer period.

Here is an example: We recommended Piccadily Agro to our investors at price of Rs. 35.95 in Dec 2010, stock made high of Rs. 54.90 delivering excellent numbers in 3rd and 4th quarter of FY 2011. But due to poor performance in FY12 on account of high raw material prices and rising interest cost on ongoing expansion, stock tumbled down heavily and is now available at Rs. 24.75. Down by almost Rs. 11 giving negative returns of  almost 30% from our recommended price.

But as there is nothing wrong with the company, this stock will take time to give good returns on your investments going forward.

Hence, it is important to diversify your stock portfolio. If one of your stock investment is not doing well for you, you will find other set of stocks doing reasonably well in your portfolio. You never knows which Hidden Gem will brighten up your life giving you multibagger returns in next 2-3 years. And in case if you find that most of your stocks investments are in red and underperforming major indices, do accept that you are not making the right investment decisions.

Remember, if you really want your money to grow, stocks is the only way to go! In case if you do not have time to do your own research to dig and find out the right investment idea's in small cap space, now you have an option. Simply subscribe to Saral Gyan - Hidden Gems.

Below is the past performance of Hidden Gems of last (upto May) recommended by our equity analysts team:

(click on the image, if above table is not clearly visible)

Refering to above table, one can easily notice that 6 out of 12 Hidden Gems stocks recommended during last year gave more than 50% returns and 3 Hidden Gems gave more than 100% returns. 

Small cap index along with all major indices have fallen significantly during tough times of stock market. In last one year, Sensex has corrected from 18,858 to 17,618 giving negative returns of -6.57% where as Small cap index has fallen from 8,375 to 6,805 giving negative returns of -18.75%.

But during these turbulent times, Saral Gyan Hidden Gems continue to shine giving maximum average returns of +56.4% and as on date average returns of +35% to our Hidden Gems subscribers compared to average index returns of -4.3% of small cap index in last one year, hence outperforming small cap index by whopping 40%.

Our equity analysts team ensured that you get the best returns on your investment during good times and protect your capital during bad times. Its your appreciation and support which made Saral Gyan Hidden Gems one of the most appreciated service.

Do not miss the opportunity to power your stocks portfolio with best of micro/small cap stocks - Hidden Gems. Now you can create Wealth in long term by managing your stock portfolio like a professional with our Wealth-Builder - An offline portfolio management service. Click here to check out our services and annual subscription charges.

Easy Payment options: Now you can pay by your credit card using Pay Pal gateway  also or by online bank transfer using NEFT, click here to know more out payment options.

Saral Gyan - Hidden Gems ranks no. 1 in Google

Our website enjoys no. 1 ranking in Google search engine and credit goes to our Hidden Gems services. You can try it out yourself, simply open Google search engine page and type Hidden Gems stocks and you will see that our website is on 1st position on first page of Google.


Below is the screen image:


Is not it great? We are delighted, because you only make it happen. Popularity of Saral Gyan Hidden Gems is no more hidden now. We do not spend on advertising, no newspaper and TV adds, no hoardings, no great marketing, its just word of mouth publicity which make our website so popular among investors fraternity.

Its a big milestone which we achieved without spending a single penny on advertisement. Infact, we don't want to! We want to grow with our subscribers. We charge you a nominal fee and try our level best to unearth great investment opportunities. We are not like brokerage firms which circulate free buying and selling stock tips and make money through brokerage on your transactions irrespective whether you are making profit or booking losses on your transactions.

Subscribe to any of our service and get Saral Gyan eBook - "How to Grow your Savings?" worth Rs. 499 absolutely free!

In case of any query or clarification, do not hesitate to contact us.

Wish you all happy & safe investing!

- Saral Gyan Team.

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 7:55:00 PM
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Sunday, August 21, 2011

Shall We Start Buying Equities Now?

The question which everybody is asking : Shall i buy equities now? And here comes the counter question: what is your horizon?

If your horizon is three-four months and if you are trying to catch a bottom just to trade then maybe the time is not here but if your horizon is two to three years sure you could buy and buy more if the market falls and still make a lot of money in two-three years time.

Lets understand what happened in last 3-4 weeks time to well known mid cap stocks. Some of the well known mid cap stocks corrected so sharply that investors trying to do bottom fishing are worried now with their losses leaving others to avoid any fresh buying at current levels.

While markets have been correcting, the shock and awe for a lot of people happened during last week because of the way the mid-caps just collapsed. 

Mid Cap stocks are offering great value right now but the same stocks were looking dirt cheap last week as well. A lot of people bought Lanco Infratech at Rs 28 and Rs 30 saying there is great value in that stock and how much lower can it get? It’s Rs 15 now so who so ever entered at that level lost 50% of their wealth in 10 to 15 days. As the old wisdom don’t try and bottom fish stocks which you don’t have assurance of quality in.

Considering above example, if we say that this is not the time to invest then we are ignoring the basic fundamentals of valuation. Of course, markets are falling and probably there is no prize for guessing where markets will move in coming weeks. But this is the time to catch the falling knife. At 13.5-14 times one year forward earnings, at 2.2 times price to book if you don’t buy then when will you buy? Can markets go down 10-15% from current levels? The answer is, yes, it is possible but what is the probability of that?

The fact is that in a rising market it is always easy to invest and in a falling market it is always difficult to invest. Our request will be keep on nibbling in the stock market. Don’t buy on a day when the market is up but buy on a day when market is falling. You will get plenty of those opportunities over the next three-six months. It is unlikely that the way markets have fallen they are going to go up. If you build your portfolio in this downturn, probably you will see a far better and handsome return over the next 18-24 months.

If you are planning to invest in stocks with a time horizon of 2-3 years, its a great opportunity to enter into the stock market now by investing in fundamentally strong small and mid cap companies.  Nifty hovering around 4850 trades at PE valuation of 13.5. Historically, Nifty and Sensex traded at a PE range of 10 to 27. If we look at stock markets across the globe, most of the stock markets are trading at single digit PE, so is Indian stock market expensive at current levels? We do not think so, India deserve higher PE multiple because our economy is expected to do well in coming quarters delivering robust growth which we cant expect from other stock markets globally. 

Wealth-Builder: Saral Gyan offers Wealth-Builder: An offline portfolio management service which build investor's wealth by investing in fundamentally strong small and mid cap stocks.

Start building wealth by investing in Wealth-Builder stocks. Read more about Wealth-Builder - Click here!

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 11:30:00 AM
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Thursday, July 28, 2011

Making Money by Investing in Poor Performing Companies

Sometimes, you can make more money by buying the least attractive stock in a particular industry if you believe the sector is due for a turnaround. Although it is counterintuitive, a little bit of simple math can show why it makes perfect sense and can leave the shrewd analyst with a much fatter pocketbook. These types of operations are for investors that have already built their complete portfolio and are on financially sound footing; they should not represent a substantial portion of your assets and are best left to those who have a good grasp of the economics and risks of the situation.

An Example in the Oil Industry

Imagine it is the late 1990’s and crude oil is $10 per barrel. You have some spare capital with which you wish to speculate. It is your belief that oil will soon skyrocket to $30 per barrel and you’d like to find a way to take advantage of your hunch. Ordinarily, as a long-term investor you would look for the company with the best economics and stick your capital in the shares, parking them for decades as you collected and reinvested the dividends. However, you remember a technique taught in Security Analysis and actually seek out the least profitable oil companies and begin buying up shares.

Why would you do this? Imagine you are looking at two different fictional oil companies:

• Company A is a great business. Crude is currently $10 per barrel, and its exploration and other costs are $6 per barrel, leaving a $4 per barrel profit.

• Company B is a terrible business in comparison. It has exploration and other expenses of $9 per barrel, leaving only $1 per barrel in profit at the current crude price of $10 per barrel.

Now, imagine that crude skyrockets to $30 per barrel. Here are the numbers for each company:

• Company A makes $24 per barrel in profit. ($30 per barrel crude price - $6 in expenses = $24 profit).

• Company B makes $21 per barrel in profit ($30 per barrel crude price - $9 in expenses = $21).

Although Company A makes more money in an absolute sense, its profit only increased 600% from $4 per barrel to $24 per barrel compared to Company B which increased its profit 2,100%. These differences are likely to be reflected in the share price meaning that although the first enterprise is a better business the second is a better stock.

More Information

Typically, these operations are most successful in industries that are dependent upon underlying commodity prices for their profitability such as copper producers, gold mines, oil companies, etc. The wild fluctuations in the underlying commodity can result in huge swings in the earnings of the business, making them good candidates. Of course, unless you are a professional, you should not engage in these types of transactions, instead focusing on building long-term wealth through value based, intelligent, and discipline investments that focus on getting the most earnings at the least risk.

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 11:00:00 PM
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Wednesday, July 27, 2011

Wealth-Builder Outperforms Sensex by 4% in 15 Days

We launched Wealth-Builder - An offline portfolio management service during last month. First issue of Wealth-Builder was shared with all our subscribers on 10th July.

As on date, Wealth-Builder contains total 10 stocks from mid and small cap space. These stocks were carefully selected by our equity analysts and expected to outperform major indices over a period of 1 year.

We are glad to share that our portfolio started outperforming from the very first week of its launch. Wealth-Builder outperforms Sensex by 4% and Nifty by 3.7% since 10th July.

As on date, Wealth-Builder is giving positive returns of 2.2% compared to negative returns of -1.8% of Sensex and -1.52% of Nifty.

Wealth-Builder aims to build wealth for investors by investing in fundamentally strong small and mid cap stocks which are available below their intrinsic value and offer excellent opportunities for investments.

Wealth-Builder also protect investor's capital by ensuring minimum churning of the portfolio unlike brokerage houses and various fund houses.

Below is the snap shot of Wealth-Builder which we shared on 10th July 2011 with all our Wealth-Builder subscribers:


Wealth-Builder offers Money Back Guarantee

Wealth-Builder portfolio ensures that you get better returns on your investments compared to broader indices - Sensex and Nifty. If Wealth-Builder portfolio underperforms Nifty or Sensex during entire calendar year (gives you lesser returns on your investment compared to Nifty or Sensex), Saral Gyan team will pay back your subscription cost. Hence, if you loose on your investments, we will loose on our business. But this may not come true, we are very sure that we will grow along with you!

To know more about our Wealth-Builder service, subscription charges and payment facilities, click here!

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 12:15:00 AM
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Sunday, July 10, 2011

Are you Investing in Wealth-Builder Portfolio?

Dear Readers,

As you are aware, we have launched our offline portfolio management service: Wealth-Builder in the month of June 2011. We are thankful to our subscribers who have shown immense trust on us and subscribed to our Wealth-Builder services under our introductory offer (closed on 5th July)

We have released our Wealth-Builder portfolio and emailed the copy to all our Wealth-Builder subscribers today. Only what you need to do is to replicate our Rs. 10 lakh portfolio proportionally. That means if you are planning to invest Rs. 2 lakh instead of Rs. 10 lakh and if we have recommended buy on "X" stock with initial investment of Rs. 80,000 (8% of Rs. 10 lakh portfolio), you need to invest Rs. 16,000 in the same stock. (8% of Rs. 2 lakh portfolio)   

Below is the Sector allocation of Wealth-Builder portfolio as on 10th July 2011.

We have allocated Rs. 6 lakh in stocks and kept Rs. 4 lakh cash in hand. We have not taken any exposure in Gold ETF and can utilize cash in hand for buying stocks offering good opportunities at discounted price during market correction.
We have added above 10 stocks in our Wealth—Builder portfolio with initial investment of Rs. 6 lakhs. We have carefully selected these stocks with lot of research and strongly believe that they will outperform Sensex and Nifty and give good returns to investors moving forward.

As Wealth-Builder is an aggressive portfolio, our team has selected mid caps and small caps stocks over large caps. An aggressive portfolio contains high growth investments that will hopefully appreciate in value. This strategy attempts to achieve high long-term growth by investing in often risky but profitable, short-term stocks.    

Below is the snapshot of our Wealth-Builder portfolio released on 10th July 2011.

Wealth-Builder is suitable for investors who can...

1. Allocate a minimum sum of INR 2 lac (0.2 million) towards equity investment using Wealth Builder
2. Strictly adapt to the portfolio changes as suggested by Wealth-Builder Manager within a period of 2 days
3. Understand the huge potential of small cap stocks and the risk associated with them
4. Has the acceptance to high risk – high reward factor and have considerable risk tolerance
5. Look at wealth building over the years and not on instant profits or short term gains


Wealth-Builder offers Money Back Guarantee
 
Wealth-Builder portfolio ensures that you get better returns on your investments compared to broader indices - Sensex and Nifty. If Wealth-Builder portfolio underperforms Nifty or Sensex during entire calendar year (gives you lesser returns on your investment compared to Nifty or Sensex), Saral Gyan team will pay back your subscription cost. Hence, if you loose on your investments, we will loose on our business. But this may not come true, we are very sure that we will grow along with you!

As we received many queries regarding our other services i.e Hidden Gems, Value Picks and 15% @ 90 DAYS, we would like to clarify that Wealth-Builder is a separate service and subscription cost does not include subscription to other services: Hidden Gems, Value Picks and 15% @ 90 DAYS.

To know more about our services, subscription charges and payment facilities, click here!

Do write to us at info@saralgyan.in, wealthbuilder@saralgyan.in in case of any queries.


Regards,

Saral Gyan Team
Saral Gyan Capital Services
  

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 11:30:00 PM
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Tuesday, August 3, 2010

Benefits of Investing and Starting Early

"The greatest loss of time is delay and expectation, which depend upon the future. We let go the present, which we have in our power, and look forward to that which depends upon chance, and so relinquish a certainty for an uncertainty." - Lucius Annaeus Seneca (5BC - 65AD)

There is never a bad time to get start investing. And there is never a really good excuse for not starting.

We don't care if you think the market today, or tomorrow, or next year is too high, or is going to drop even lower.

We don't care if you think you don't know enough about investing.

We don't care if you think you don't have enough money.

In Simple words, start investing as soon as possible.

It is not the amount of money invested that is really important, but when an investor gets started with a long term plan is critical.

Time is the real best friend to an investor.

The biggest success factor influencing your portfolio is how well you harness the power of time and the rate of return you earn on your investments.

The beauty of time is that it doesn't depend on how smart you are or how much money you have? Time is the great equalizer for investors. Indeed, time is available to everyone.

If time is the most influential factor on your portfolio's performance, it follows that the most important thing you can do is to get started in an investment program as soon as possible.

When Is the Right Time to Start Investing?

We Believe that the Best Time Is Right Now.

And this holds true whether you are 20 years old, 60 years old or somewhere in between.

Starting early gives you two major advantages.

First:

The longer you have to invest, the more aggressive you can be when selecting investments, knowing you will have the time to ride out any possible short-term fluctuations.

Second:

A longer investment time frame enables you to capitalize on the true long-term value possibilities of your selected investments.

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 6:00:00 PM
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Wednesday, July 14, 2010

Wealth Creation for Financial Freedom

Accumulating wealth—as distinct from just making a big income—is the key to your financial independence. It gives you control over assets, power to help shape the corporate and political landscape, and the ability to ensure a prosperous future for your children.

You want to create personal wealth, right? So does Rakesh.

Rakesh is 35 and works for a pharmaceutical company. He looked at his finances and realized that at the rate he was going, there wouldn’t be enough money to meet his family’s financial goals. So he chose to embark on a personal wealth-creation strategy. His first major step was to pick up a copy of this workbook for guidance. Rakesh began by learning the language of wealth creation. The first lesson was to understand the meaning of assets, liabilities and net worth.

A wealth-creating asset is a possession that generally increases in value or provides a return, such as:

• A savings account.
• A retirement plan.
• Stocks and bonds.
• A house.

Some possessions (like your car, big-screen TV, refrigerator and clothes) are assets, but they aren’t wealth-creating assets because they don’t earn money or rise in value. A new car drops in value the second it’s driven off the lot. Your car is a tool that takes you to work, but it’s not a wealth-creating asset.

A liability, also called debt, is money you owe, such as:

• A home mortgage.
• Credit card balances.
• A car loan.
• Hospital and other medical bills.
• Student loans.

Net worth is the difference between your assets (what you own) and your liabilities (what you owe). Your net worth is your wealth.

To calculate how much he is worth, Rakesh used the following formula:

Assets – Liabilities = Net Worth.

Note: The market value of a home is an asset; the mortgage, a liability.

Let’s say your house is worth Rs 20,00,000 but your mortgage is Rs 8,00,000. That means your equity in the home is Rs 12,00,000. (Equity contributes to your Net Worth)

Our Services: Hidden Gems | Value Picks | 15% @ 90 DAYS | WEALTH-BUILDER

Posted by Saral Gyan at 6:00:00 PM
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