Five strategies to maximize returns/defensive investor/enterprising investor/stock market/analysis.

                                    

                                                        Types of investor-

DEFENSIVE	ENTERPRISING
Create a Permanent portfolio	Continuously research
Not decision making	Decision making
Emotional, fear.	Risk taker, patience.
Average return	More than average return

             Five strategies to maximize returns

                     Strategy 1. Invest in index fund. For defensive investor

                     Strategy 2. Company analysis, company having

·         Minimum 500$million revenues

·         Current assets twice more than current liabilities.

·         Long term borrowing not more than net current assets.

·         Company should have positive net profit from last 10years and should have never missed dividend payout in 10 years.

·         Minimum one third increases in EPS over 10 year basis.

·         Price of the stock should not be more then 15 times of earnings and not more than 105 times of book value.

·         No. of stock 10-30

·         This strategy is also for defensive investor.

  Strategy 3. For enterprising investor

·         Current assets minimum 105 times of current liabilities.

·         Debt not more than 1.1 times of current assets.

·         No loss in 5 years

·         Regular dividend paying.

·         Some growth in earnings

·         Stock price should be less then 1.2 times of fixed assets.

·         No. of stocks minimum 20.

                   Strategy 4. More risk more reward

·         Stocks trading below their  NCAV (Net current asset value)

·         Avoid those who are not profitable in last 2years

·         Number of stocks 30

                   Strategy 5. Situation investing

·         Smaller company acquired by larger one.

·         Companies involved in legal troubles

·         Snip off

·         No. of stock 2-3

·         Strategy should be used in combination with other strategies.

                   SOURCE-THE INTELLIGENT INVESTOR   

                                     BENJAMIN GRAHAM             

*investment on market risk before investment financial advisory mandatory.

Interconnect user charges (IUC): telecom sector

                                #IUC

 Interconnect user charges (IUC) what is it??????

If we talk about simple language Jio user call to Airtal user so Jio pay some charges to Airtal.

This charges start in 2002-03 it is a 0.50 paisa then decries charges after some year 0.20 paisa. In 2014-15 this charges is renew it is a 0.14 paisa. In 2017 TOI thing to renew this charges it will be .6 paisa and in 2020 it will be zero.

Why IUC introduce?????

IUC is introducing for recover the cost and charges. But companies convert this charge in to profit.

Who have a profit????

Small company and new company they inter into the market they have a profit. Because if charges is decrease small company paying money is also decries. Loss to large company because their revenue is decrease.

What is current scenario?????

First position on the Airtel, then Vodafone, then Idea or Jio. If decries the IUC more benefit to jio. Because jio user call to other network jio pay IUC to other network is decrease. Vodafone and Idea merger complete in December. It is a largest market share and customer base company after merger. So they have loss in revenue  

Benefit

·         If new company inter into the market they have a benefit.

·         Small customer base companies have a benefit.

·         Customer have a profit tariff is available on cheap prices.

SBI Life Insurance Co Ltd IPO

         IPO Details
Minimum Application for Retail21 Shares | ₹ 14,700/-Price Band & Lot Size₹ 685 - 700Net Issue Size₹8,220 Cr - ₹8,400 Cr.

Company background: 
SBI Life Insurance was established as a joint venture between the state bank and BNPPC in 2001. It has a leadership position with 20% market share in New Business Premium in FY17. It has also increased our market share of New Business Premium generated among private life insurers in India from 15.9% in FY15 to 20% in FY17

Investment rationale
1. Among the Pvt insurers, SBI retained its No.1 position since last 8yrs in New Business Premium.
2. SBI Life has been reporting strong growth in New Business Premium, with 38.9% growth in FY17 and 3yr CAGR of 28.3% v/s industry growth of 26.2% and 13.5% respectively
3. SBI’s network of 24000+ branches gains strong AUM growth of 17.1% while ICICI prudential is 10.7% and HDFC life gains 16.9% over FY15-17
4. SBI Life has a well balanced portfolio consisting of ULIP: 50.5%, Non participating: 34.7% and Participating:15.4%
5. SBI Life is well capitalized with a solvency ratio 211% (mandatory -150%)

Six basic tenets of Dow Theory

1. The market has three movements.
2. Market trends have three phases.
      * Accumulation
      * Public participation
      * Distribution
3. The market discounts all news.
4. Stock market average must confirm each other.
5. Trends are confirmed by volume.
6. Trends exist until definitive signals prove that they have ended.

How to Invest in an IPO????????

                       

An Invest in Initial Public Offering (IPO) some steps are their.

·         Open DEMAT Account from Broking Company.

·         Then your Bank Account linked with DEMAT Account.

·         Login to your Net Banking Account.

·         Select e-services of the Bank.

·         Then select DEMAT then IPO

·         Select one of the IPOs you want to apply.

·         Enter your depository details. NSDL or CDSL

·         Fill some other Information like DEMAT Account Number, mention up to 3 bids, etc

·         Place and confirm your order.

IPO - ICICI Lombard General Insurance Co Ltd

Retail22 Shares | ₹ 14,542/-Price Band & Lot Size₹ 651 - 661
Net Issue Size₹5,651 Cr - ₹5,700

Company background: 
ICICI Lombard is the largest non-life private sector insurer in India. It is a JV between ICICI Bank and Fairfax Financial Holdings Ltd of Canada. Backed by strong parentage, and under penetration of non-life insurance business in India.

Investment rationale
1. It has leadership position among private general insurers
2. It has higher share of business from the low loss ratio segments
3. Growth driven by strong parentage & wide distribution network
4. It has a strong solvency ratio as compared to prescribed by IRDA

DRIP MODEL MARKETING

                DRIP MODEL
*Differentiate - Be different from the competitors.
Example - MC Donalds vs burger King
*Remind- who are we? What do we stand for.
Example- more advertising and remember the customer by symbol, tagline, etc
*Inform- what's new? Features- benefit.
Example- Samsung and apple wireless charger.
*Persuade- what is it right for you?
Example- Maggi relaunched in advertising persuade the product.

what is mutual fund and NAV net assets value

                     UNDERSTANDING MUTUAL FUND

Mutual fund is the financial product of investment. A mutual fund is a professionally managed type of collective investment scheme that pools money from many invests and invests it in stock, bonds, short-term money market instruments and other securities.

Every mutual fund is managed by a fund manager. Fund manager using their management skills and research work to much better return then what an investor can manage on his own. Mutual fund investor is also known as a mutual fund shareholder or a unit holder. Investor receives a unit behalf of investment value.

If any changes in capital market instrument (shares, debenture, etc) its reflect in the NAV (Net Asset Value)

Example- 

·         Market value of a asset  Rs.500000

·         Total number of unit issued  25000

·         NAV of the scheme - 500000/25000 =20

·         If investor A invest Rs.1000 so allotted unit 50

TOP TWENTY INDIAN INSTITUTE OF MANAGEMENT, IIM

         TOP TWENTY INDIAN INSTITUTE OF                                                    MANAGEMENT

1             Indian Institute of Management Calcutta

2              Indian Institute of Management Ahmedabad    

3              Indian Institute of Management Bangalore         

4              Indian Institute of Management Lucknow           

5              Indian Institute of Management Kozhikode

6              Indian Institute of Management Indore

7              Indian Institute of Management Shillong             

8              Indian Institute of Management Rohtak               

9              Indian Institute of Management Ranchi

10           Indian Institute of Management Raipu

11           Indian Institute of Management Tiruchirappalli                 

12           Indian Institute of Management Kashipur           

13           Indian Institute of Management Udaipur

14           Indian Institute of Management Nagpur                              

15           Indian Institute of Management Visakhapatnam              

16           Indian Institute of Management Bodh Gaya       

17           Indian Institute of Management Amritsar            

18           Indian Institute of Management, Sambalpur

19           Indian Institute of Management, Sirmau

20           Indian Institute of Management, Jammu

RECENT DEVELOPMENT IN GLOBAL MARKET #FINANCIAL MARKET

                 RECENT DEVELOPMENT IN GLOBAL MARKET

• Money Markets- money market is short term investment market in this market include treasury bills, commercial papers, certificates of deposits, MMMFs, etc. Recent development in money market establishment of the DFI The Discount And Finance House Of India(DFHI),MMMFs money market mutual fund, electronic transaction, Development of new market instrument ex-MMMFs, bonds, etc
• Foreign Exchange Markets – The market where the commodity traded is currencies. Price of each currency is determined in term of other currencies. Rs. 64 per one USD. Major currencies USD, EURO, YEN, POUND, etc. foreign exchange market has emerged as the largest market in the world. New products and instruments, development of institutional and market, increase transaction volume, decline in transaction costs, efficient mechanisms of risk transfer.
• Equity Markets- Resent development in equity market is creation of market regulation, screen based trading, reduction of trading cycle, short selling, and research in security market.

·         Derivative Markets- Resent development in derivative market are

                                     i.            Index future contracts introduced 2000

                                   ii.            Index option  2001

                                 iii.            Stock option 2001

                                 iv.            Commodity future 2008

                                   v.            Currency option  2010

Steps in marketing communications program development

Steps in marketing communications program development
*Identify target audience.
*Determine objectives of communication.
*Design the message.
*Select communication channels.
*Established the budget.
*Select the marketing communications mix .
*Measure results.
*Manage the IMC process.

#BHARAT MATRIMONY #IPO #INFORMATION

                                                      #IPO INFORMATON

                                                #BHARAT MATRIMONY

·         IPO DATE –  11 to13 September 2017

·         IPO TYPE - FRESH ISSUE (130cr) OFS (371cr)

·         IPO OFFER - Rs500 crore

·         FACE VALUE – Rs5 per share

·         ISSUE PRIES – Rs983-985

·         MINIMUM ORDER – 15 share

·         Retail allocation – 10%

·         Discount  retail investor –Rs 98

·         Listing – NSE, BSE

·         13305Rs minimum application amount

 #ALLOTMENT SCHEDULE

·         19September –finalization of allotment

·         20September – unblocking of ASBA

·         20September- credit to emat account

·         21September- listing on NSE&BSE

       #OBJECTIVE OF ISSUE

·         General corporate purposes

·         Advertising &promotion activities

·         Construction – office premises in Chennai

·         Repayment on overdraft

        #ABOUT THE COMPANY

Incorporated on July13, 2001 provides online matchmaking and marriage services under Bharat Matrimony brand. 3 million active clients are there. Matrimony has 140 offices, 3500 work force operates 15 languages. Company provides services like wedding photography and videography.

Financial performance

	FY13	FY14	FY15	FY16	FY17
Total revenue	188.7	207.3	242.8	255.4	292.3
Profit after tax	10.4	-9.1	-2.9	-75	43.8

·         For the education invest on market risk

# TAGLINE # #BRAND NAME #BRAND #MANAGEMENT

#TAGLINE OF SOME BRAND NAME
1. JUST DO IT - NIKE
2. I AM LOVE IT - MACDI
3. FINGER LICKIN GOOD - KFC
4. LIFE'S GOOD - LG
5. IMPOSSIBLE IS NOTHING - ADIDAS
6. WHEREVER YOU GO WE FOLLOW - VODAFONE
7. THINK DIFFERENT - APPLE
8. DIRT IS GOOD - SURF EXCE
9. DESIGN THAT PERFORMS - SAMSUNG
10. WE PROUDLY SERVE - STARBUCKS

# MASLOW'S #HIERARCHY #THEORY #MARKETING

#MASLOW'S HIERARCHY       THEORY

SELF ACTUALIZATION
                  |
      SELF ESTEEM
                  |
      SOCIAL NEEDS
                  |
         SECURITY
                  |
        BASIC NEED
SELF ACTUALIZATION- Personal growth and fulfillment
SELF STEEM- Status, achievement, responsibility and reputation.
SOCIAL NEEDS- Belongingness and love need {family, friends, love, affection}
SECURITY- Security need {job security}
BASIC NEED -Food, cloth, shelter.

#VISION #MISSION #INDIAN #NIFTY #COMPANY

 #VISION MISSION OF INDIAN COMPANY

·         AIRTEL

MISSION - Hunger to win customers for life.

VISION- Our vision is to enrich the lives of our customers. Our obsession is to win customers for life through an exceptional experience.

·        HCL TECHNOLOG

MISSION- We will be the employer of choice and the partner of choice by focusing on our stated values of Employees First, Trust, Transparency, Flexibility and Value Centricity.

VISION- To be the technology partner of choice for forward looking customers by collaboratively transforming technology into business advantage.

·         HUL

VISION- Unilever is a unique company, with a proud history and a bright future. We have ambitious plans for sustainable growth and an intense sense of social purpose

·         TATA INTERNATIONAL

VISION- To be globally significant in each of our chosen businesses by 2025.

MISSION -  To be the most reliable global network for customers and suppliers, that delivers value through products and services. To be a responsible value creator for all our stakeholders

·         IDEA CELLULAR

MISSION- We will Delight our Customers while meeting their individual communication needs anytime anywhere.

·         SBI

VISION

·         My SBI.

·         My Customer first.

·         My SBI: First in customer satisfaction

MISSION

·         We will be prompt, polite and proactive with our customers.

·         We will speak the language of young India.

·         We will create products and services that help our customers achieve their goals.

·         We will go beyond the call of duty to make our customers feel valued.

·         We will be of service even in the remotest part of our country.

·         We will offer excellence in services to those abroad as much as we do to those in India.

·         We will imbibe state of the art technology to drive excellence.

·        

§         HDFC BANK

Vision

Become the undisputed market leader in providing housing related finances, to realize the dream of shelter for all in Sri Lanka

Mission

 To our shareholders, our mission is to optimize returns.

·         To our customers, our mission is to provide a caring service by anticipating their requirements and innovatively satisfying them beyond their expectations. 

·         To our staff, our mission is to identify their multi-faceted talents, develop, motivate, recognize and reward them towards fulfillment of the institutional and national housing vision. 

·         To the national economy and the industry regulator, we are the key driver and thought leader, shaping and financing the national housing policy. 

·         To our natural environment, we enforce sustainable practices across all our activities.

§               ONGC

Vision

To be global leader in integrated energy business through sustainable growth, knowledge excellence and exemplary governance practices.

Mission

World Class

§  Dedicated to excellence by leveraging competitive advantages in R&D and technology with involved people.

§  Imbibe high standards of business ethics and organizational values.

§  Abiding commitment to safety, health and environment to enrich quality of community life.

§  Foster a culture of trust, openness and mutual concern to make working a stimulating and challenging experience for our people.

§  Strive for customer delight through quality products and services.

§         

§             NTPC

Vision

TO BE THE WORLD’S LEADING POWER COMPANY, ENERGIZING INDIA’S GROWTH.

Mission

PROVIDE RELIABLE POWER AND RELATED SOLUTIONS IN AN ECONOMICAL, EFFICIENT AND ENVIRONMENT FRIENDLY MANNER, DRIVEN BY INNOVATION AND AGILITY.