After the hard days in Indian Markets investors has finally lose the hope with their investments and finally running for the Fixed Returns..

Fear & Bankers have played very important role and suddenly investors have started running once again like olden times … for investing in fixed deposits instead of either in Mutual Funds or in Direct Equity.

After the regular announcements for the cut in interest rates, Banks have taken most of its advantage and they have tried to create urgency in collecting the money and assured clients to get more returns and book their FD’s at unchanged rate? And finally investors feel happy that even after the decrease in the rates they are privileged for the same old rate…

But there are some points where one should consider while investing into FD’s..

1. A Reason to invest
2. Motive to Invest
3. Read Offer Document

Investments shall start from questioning yourself a Big a real Big Reason to invest, Ask yourself why you really after these Bank FD’s. This could solve entire process and make your path clear and you will able to decide that you really want to go or not.

We would really advice investors to clear the motive of investments, like what returns they are expecting, what could be the tenure for the investments, Will this money could require in the future before the maturity date, Is this a temporary investment and you would be breaking this FD for investing at low times either Direct or Indirect Equity.

Do not forget the boring pages with small font’s and that is either the Offer Documents or the Application Forms where you make your signatures and agreed what is written in the scheme, no matter you are aware or not, you sign it before thinking with a small term perspective.

Making or switching Investments into any of the schemes is as simple as you change channels with your remote, but your right decision will probably will help your future and make your plans come true.

And last point which I did not mention on the top “Don’t Run” from the stock markets, this might be the bad time if you have invested on the top most levels or probably the valuation has dropped down from past few month. But this would not be end… You might see even lower levels than the current one’s but this is time not to exit, not to panic but to invest for long term and if you have patience to watch your company work for you then this would be the finest time to invest into the Equity Markets through Direct Investments, Mutual Funds or if needed then with Ulip Life Insurance Plans.

At the end, If you are looking for Investment Advice, Please feel free to contact us.

Sumit Jain
Sufin, Money Grows with Sufin!!!

After tough days since 19th of September, markets change the mood on Diwali and make this time better one.

Suddenly markets have starting recovering, scripts which touched very low started moving on the upside and all just due to improvement in International Markets, Crude getting cheaper, Inflation Figures, RBI Action & Government is planning for Comming election. 

Smart Investors suddenly started covering some of the stocks thinking that could be the right time to cover the stocks and they have gained after that. After Diwali other two Trading Sessions were also great and it was like Bulls and Bear were fighting on their end to bring markets either down or up.

On Matter Bears were thrown out and at last winning team was Bulls and it was on the ride to the paradise. Again everybody interestingly started looking market recovery and that’s the turning point. Mr. Daruwala (Famous Astrologer) added some of the spices in his interview on the latest news channel and at last everyone got an idea but this could be the turning point of the market.

But Our View remains the same.

We don’t deny about the markets that they are too expensive; in fact some of the cool stocks which use to rock are available at the cost of pennies. No matter one can easily realize that Cakes are available at the cost of Bread.

But is this real time to buy Bread? Indeed Yes. This is very good time to Buy Good Stocks and build your Portfolio but no matter if you have Bought these stocks at the bottom, then don’t worry as this level will due repeat.

The lowest level could be predicted something around 6000 - 6300 of Sensex. So this remains a big question was it a Bull Rally or a Bear One? We would identify as Bull Rally in Bear Market which happens when people start covering the stocks.

So ideally we would advice to book profits and move with markets.

Happy Investing…

Sumit Jain
Money Grows with Sufin!!!

We wish all our Investors & Readers, Happy Diwali & Happy New Year, May this Diwali be a new beginning of peace, prosperity and happiness for you and your family!

Sufin Family
Money Grows with Sufin!!!