Which is a Better Index to Invest In?

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When choosing a passive fund to invest, the selection often comes down to major  two options — Nifty50 funds and Sensex funds. Both the indices fall under the large  cap category but have indistinctive differences. 

These major difference arises in the composition of the comparable indices. Sensex  is made up of 31 top stocks while . 

So, the question pinned here is which one should ideally choose for investments? 

Going by the history, the decision doesn’t signify in the long run. If one looks at data of the last decade, both Nifty and Sensex have delivered almost similar returns at  around 265% and 267% respectively. Even if the light is focused on the short period,  the returns aren’t much different too. During the last year, Nifty has up trended 52% and Sensex has risen 50%. 

There are various stocks that dominate both the indices may be the reason why the  difference in components does not brings varied returns. If one looks at the  composition, the top stocks which enjoy larger weightages are more or less the same  in both the indices. The unique stocks are on the low weightage side and hence do  not have much impact on the performance of the indices. 

The other question arises here that is there any difference between the both from investment perspective? 

The lower concentration risk is the one and only factor that makes Nifty50 a slightly  better option. The broader the index, the lower is the risk of concentration. It’s  not suggested to choose a least diversified index that brings high concentration risk. 

However, it isn’t again a major affecting constituent. The Nifty is governed by the  stocks that attribute in Sensex as well. The remaining stocks in Nifty carry lower  weightage often less than 1% and hence have marginal hold on the index’s  performance. 

VSRK don’t suggest one over the other. Seeing through the past data, there’s hardly  any difference in returns.

Should I Invest in an IPO

Should I Invest in an IPO

Many new and existing investors have been disappointed for unable to subscribe to the much talked Zomato IPO, a first by a Food Tech startup? One has not been able to grasp the opportunity because of the question that should one invest in an IPO or Buy after its listing on the Exchanges?

Huge liquidity in the economy and a horde of investors to invest given Indian businesses a raise of Rs.27.5 crores through an IPO in 1st half of 2021. Various Indian businesses are lining up for an IPO in the next few months boosted by the IPO stocks successfully listed in 2020. Gearing as much as 400% since listing in many cases and the uptrend of the stock market inject investing in an IPO an exciting opportunity for investors. With Zomato’s successful listing, there are some big names going public before the end of the fiscal year. Here are a few reasons to consider investing in the IPO.

Enjoy the first come first serve advantage. Investing in an IPO, one gets the opportunity to buy shares of a business with a high potential to grow at a lower price. The IPO is a chance to make a short-term profit and increase your wealth in the long term. What’s more, the share prices may rise sharply after listing on the stock exchange. 

Fulfill your long-term objectives. Equity investments are likely to offer high returns in the long term. When investing in an IPO, one must wait for momentous gains. The amount earned in a few years will help fulfil financial goals. And, if you’ve managed to pick a worthy, you will near to buy your dream home.

The prospectus includes transparent information about the company, its valuation, the number of shares offered to the public and the price per share. As an investor, one has access to real information. However, once listed, share prices vary based on dynamic market changes and the best price stockbrokers can offer.

Buy at a bargain price and earn big later as the IPO price band is usually the lowest a business offers to the public. In some cases, companies offer their shares at discounted prices, which is why many investors invest in an IPO. If you miss out on the investment, the stock prices may rise sharply, and you may find it hard to buy. 

Does this mean that IPO is always the right choice? VSRK says, it is not always peachy-keen, as there can be an IPO that failed and did not offer the returns investors expected for each successful IPO. If one is not afraid of the wait and watch the play, then waiting for the stock to list on the exchange would be just your cup of tea. In such cases, buying when the shares are cheap makes perfect sense, but investing when prices vault-up means paying more for unworthy.

Indian Chemical Industry: The Next Eye Catchy Sector!

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The Indian Chemical Industry is growing in leaps & bounds not only in India but also  the world. It not only plays a vital role in our economic development but also serves  as an important ingredient for the industrial and agricultural development. The  Indian Chemical & Petrochemical Industry is currently valued at close to $180 Billion  i.e. ~3% of the global chemical industry and is expected to reach $300 Billion by  2025. 

India’s Specialty Chemical Industry has been esteemed at $35 Billion and is well  tranquil for growth. It has grown by 13%-14% in the last five years and is expected  to reach $70 Billion by 2025. It is to be noted that a sharp fall in the crude prices  from $100 to $35/barrel has improvised the margins for alluring chemical players.  The Colorant Chemical Industry is worth $7 Billion in India thereby exporting more  than 72% of the annual production. 

A huge domestic consumption is major growth driver behind India’s Chemical Industry. Indians consume more than 40% of its output with promising new heights.  The growing urbanization and increasing disposable incomes of the Indian economy  is fueling substantial growth of the domestic Chemical Industry. Chemicals  constitute close to 5.5% of total Indian exports. 

After the giant dye manufacturer from China has been shut down due to  governmental policies, which has created a fairly huge supply glut and increased the  profitability of Indian companies. As a key ballooning element for developing  economy, the government has permitted cent percent FDI through automatic route  and de-licensed the manufacture of most of the chemical products except a few  hazardous chemicals. 

Notably, such chemical majors have a commanding market share in their respective  segments. Great rallies can be expected in the Indian chemical markets till the time  Chinese competitors become operational again. 

This will create volatility in the prices of the chemicals and India is set to be  benefitted the most from this in the near future. VSRK is all engaged to earn the  revenue from the same for its reputed investors.

Nuts & Bolts of Cashing the Stock Market Gains

Stock Market Gains

Triumph in timing the market

This incidence may give this client or anyone reading this, an impression, that timing the market is as easy as breathing and a good shot. But that’s not right. The market is unpredictable and no one can time it perfectly not even any scholar. It can be accepted as a one-off instance. It won’t be ethical to expect same returns from investments in the future.

Score on the flourishing days of the market

Trying to time the market, the possibilities are failing to experience the best days of the stock market gains. Glancing the long-term perspective, missing a single day gains will deprive one from the benefit of compounding of the missed returns.

Redeem at reaching goal

Equities are meant for a time horizon of at least 5 years or say 3 years in today’s market scenario. Never invest if one will need the money before the time period. One should stay invested throughout the tenure and avoid making unnecessary transactions. You will gain maximum benefits from equities if you stay invested for a longer time period, as you get to benefit from compounding.

A must asset-allocation Strategy 

Having a planned asset-allocation scheme assures an investor to book profits in a systematic manner. Apply a rule for rebalancing, be it at the end of financial year or as the allocation diverges by more than 10% of the planned ratio.

Try for a SIP not lump sum

Anyone should spread the investments over a period of time especially in case of equities. Investing systematically through an SIP or STP helps in entering the market at the right time, as the purchase cost is averaged out. 

Points to Focus

Emergency fund: Preserve the funds equivalent to at least six months’ expenses either in a liquid fund and sweep-in deposit which can be handy during uncertain scenario.

Life insurance: Cromulent life cover is important specially term plans if one has financial dependents.

Health insurance: Owing to 2020 uncertainty, adequate health cover has become vital for the family.

Should you cash out of the stock market?

When the stock market falls, it is only a paper loss but actually, no monetary loss. However, the moment any investor converts stocks to cash in this period, one turns paper loss into an actual one.  Investors should know that the cashing out will not give you the chance to benefit from market rebounds. A market uptrend can give you the scope of a break-even if not the opportunity to profit. If you cash out, then there is no hope for sure. As Inflation also has a devastating effect by eroding the value of money and reduces its purchasing power.

How to Invest without Knowing the ABC’s of Investing ?

How to invest without knowing the ABC’s of investing

Calm down, you are not alone, in the universe who is so uncomfortable with investing money in today’s glowing market. Like many other individuals, still following traditional methods of savings even when many of us there are becoming successfully wealthy in the market. Well, let’s discuss how to cope up with the fear for trading the new transparent and amazing products blossoming in the ocean of financial markets today.

The fear of entering the new world of commerce at any course of your investment life, can immensely affect one’s investment choice. Investing is scary because returns aren’t guaranteed. Hesitant investors following the psychological approach of the fear of losing money in the stock market. 

People prefer avert losing anything they possess, relatively take a risk to make a big fortune. It’s human to hate losing more than liking to win, and hence, psychology says to ‘play it safe’ when it comes to monetary. Fear is keeping people outside the investment world and potentially away from reaching their long-term financial goals. 

We agree that the investing world is cluttered with technical terms and difficult jargons. To remove this hesitation, VSRK brings to you accessible tools and hands on expertise to help you understand the basics, decode the difficulties and make informed decisions. 

The market is based on the sure shot formula of “taking the right decision at the right time”. One can certainly earn a good return out of the investments made with correct decisions at the perfect time. Saving early and investing regularly is vital key to financial security and reaping success. More likely to afraid to invest money increases the possibility of losing the track on profits from the market.

VSRK firmly believes that before investing your money into the market, we make sure that the investor should understand the detailing about the market as per your financial goals and targets. 

VSRK provides required beneficial market tips about why and where money is invested. So, seek help to invest your money wisely. Beware of the fraudulence or fake guides & suggestions.
The more you know, the better you’ll feel about investing.
Bottom line, investing your money in market is a rewarding way to grow your wealth over time than using a traditional, low-interest savings schemes. And that’s why we are here to guide you with our experts. From dreaming about buying a car to retirement planning to planning a dream vacation or buying a home all need funds. And someone has said that “It takes money to make money”. 
You are investing but do not realize it. Your fixed deposits or post offices saving are further invested somewhere for a good return but you are getting fixed meagre interest. Many have the tendency to think that only rich people can invest. No, you just need to have some money to invest. With VSRK application, you can start with as low as little as Rs. 1000 per month.

One should avoid to get scared from unfamiliar terms. The financial assets are risky but they tend to outperform most of the time in long run. I always tell new investors, “Risk and return are married, and they’re never going to get divorced”. There is no return without risk. Bonds on the other hand are less risky investments than stocks.

Don’t square off to mingle investing and gambling at same level, think again. When you put your money in a range of different investments say in a mutual fund or an index fund, which hold many different individual stocks one can reduce the risk of losing money.

The fact is investing doesn’t makes anyone rich overnight. Just as food takes time to cook well, similarly investment takes time to grow into wealth. A common saying is that it’s about time in the market, not timing the market. In other words, over time, your money grows when you invest it.

VSRK’s experts helps you diversify your hard earned finances across different investment among many sectors which mitigates risk. The markets have both good and bad days. We don’t react impulsively but act wisely to extract the potential rebound of the market.

How is the Indian Stock Market Reacting to the Coronavirus Impact?

How is the Indian Stock Market Reacting to the Coronavirus Impact

Impact of Covid 19 on the global markets

In the past few weeks, the stock prices have fallen drastically and the market saw a downfall of nearly a third of the global market cap. The whole world has been badly affected by the spread of the virus forcing companies to shut down, heavy unemployment and huge downfall in the economy. Almost all major most economic activities have impacted by the disease. The markets have been heavily damaged by the Covid 19 and the effects are visible on the global economic growth. The global gross domestic product (GDP) growth projection for 2020 has halved by the Organization for Economic Co-operation and Development (OECD). 

Current Situation in Indian Markets

Although, the market has slightly started to rise slowly such sudden fall in stock valuations and other instabilities have triggered panic across the world and shaken the confidence of investors. The past Friday turned out to be in favour of the investors. In the end, Sensex stood at closed 20% below the peak achieved two months ago whilst other markets which have fallen more. 

When the equity and debt instruments were already hit badly, the crude oil war between Saudi Arabia and Russia has only worsened the economic conditions injecting volatility into other assets. Now, the economic tension has extended to currency and commodities market.

Suggested Measures for Ensuring Financial Safety of Investments

Investment professional prefers investment in high performing- financially strong stocks with relatively higher earnings & profitability, solid balance sheets, bigger cash flows, and more effective management should be preferred. At the same time, professional advisers also suggest equity investors alter their portfolio allocation towards large-cap and multi-cap stocks as the market correction might be a little prevalent in the short term.

It might be suggested this is a good time for long term investors to buy high valuation stocks at low levels. For making a profitable investment and subsequent appreciation in the investments value few conditions shall be seen such as high-profit margin stock, low debt and innate capability & financial soundness to sustain even if the share prices touch the rock bottom due to instabilities. 

The more-safe investment options might also be suggestible like Corporate Bond funds / Banking & PSU Debt Fund which provide more reliability and trustworthiness in future which seems highly dynamic due to the highly volatile markets.

What is Stock Exchange?

What is stock exchange

Stock exchanges are markets where the participants come together for buying and selling of financial instruments such as shares, debentures, bonds, etc. it is run by set rules and regulations set by appropriate bodies such as SEBI in India.  Only the securities of listed companies are traded with stock exchanges. All such stock exchanges shall be recognized by the government and only registered brokers and members are allowed to trade instruments on it.  

There are around 9 official Stock Exchanges in India-

  1. Bombay Stock Exchange (BSE)  
  2. National Stock Exchange of India (NSE)  
  3. Calcutta Stock Exchange 
  4. India International Exchange (India INX)  
  5. Indian Commodity Exchange (ICEX) 
  6. Metropolitan Stock Exchange of India Ltd. (MSE)  
  7. Multi Commodity Exchange of India Ltd. (MCX)  
  8. National Commodity & Derivatives Exchange Ltd. (NCDEX)  
  9. NSE IFSC Ltd. (NSE International Exchange)

3 Reasons Why We Should Invest in Falling Markets?

Invest in Falling Markets

Recently the Indian Stock markets were seen crashing into a bearish phase where the stock prices fell more than 20% from the recent highs. Bear markets occur during economic recessions or depressions when pessimism prevails. In such markets, the prices of the securities drop heavily, and a negative sentiment causes a selling pressure upon the current which force the prices to stoop down even further.

As a general human behavior, most of the investors opt out of the securities they were holding and are ready to sell their investments at a lower price. This situation is often seen with a skeptical point of view. There is, generally, a lot of pressure upon the investors as well as on their financial advisors. One wrong decision or miscalculation could lead to a major financial loss. In common parlance, this situation is very stressful and involves a lot of decision making. But, despite all such risks in investments such scenarios can actually prove to be a good chance to reap some good alphas and it might not be incorrect to say that no matter how much villainous this phase looks like, it might offer you a good opportunity to earn.

Good Stocks at Affordable Rates

Legendary investor Warren Buffet had once stated, “Whether we’re talking about socks or stocks, I like buying quality merchandise, when it is marked down.” This is what happens in a bearish market. The prices of all shares both good and bad tend to fall down, opening a window to invest in lower than normal rates. As more people invest in such securities, the prices tend to recover and the growth is set back to the track.

Better Investment Options Highlight Up

As we have seen, the bearish markets are always preceded by tough economic conditions. In difficult environment, the corporates may struggle in paying their debts and other liabilities highlighting their creditworthiness. The creditworthiness is often rated by various independent credit rating authorities. When such reports declare a good report it means the organization is financially sound and is a good to shot to take.

In short, we can summarize that bearish phase is comparatively shorter than its counterpart, i.e. Bull. Therefore, the impact of bearish market upon the securities doesn’t sustain for a long time. The good stocks of companies having great creditworthiness shine in the bullish market following the bearish phase. So, the advice to invest in falling markets is highly justified subject to risk & careful

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