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Guestcolumn:Lostmoneyinstocksin
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SPOTLIGHT
Offbeat

Theclimatedebate

PostaComment

6Dec,2015,09.40AMIST
READMOREONinvestments|insurance|equities

ByNileshShah,MD,KotakMutualFund

Howviableistheredhotfood
festivalbusiness?
Foodfestivalsareticklingtheimaginations
andpalatesoftheIndianconsumerthis
winterandseemtohavebecomequitethe
preferredF&Benterprisetoo.

WeIndiansareterrificsavers.Butthe
samecan'tbesaidaboutourinvestment
habits.Isaythisbecausewearestuckin
manyhabitsandideas,whicharenotonly
Modi'sdiplomacyputsIndiaat
ineffectivebutalsooutright
climatecentrestage
counterproductiveinmanycases.
AccordingtoTheNewYorkTimes,Prime
MinisterNarendraModicould"makeor
break"USpresidentBarackObama's
Forexample,manyamongusbelievethat
questtocarveouthisclimatelegacy.
'childrenareparent'sbestretirement

Christchurch:Anabsolutedelightwith
smalltownesquelanguidcharm
Why'BatmanversusSuperman'is
makingittotheheadlines

solutions'.Thisisnotonlyanerroneous
idea,itisalsounjust.Thisnotionbindsa
growingchildandlimitstheirambitionand
riskcapabilityinfavourofmorepredictable
incomes.

Editor'sPick
TataGroupeyes$350billionmarketcapby
2025
DStweekahead:GSTbill,macrodatato
steermkt
PMModisParisdiplomacyputsIndiaat
centrestage
Howsavingsinfinancialassetsbodewell
foreconomy
FPIsinsellingmode|MFinflowstouchRs
87Kcr
ETSPECIAL: Lovevisualaspectofnews?Enjoy
thisexclusiveslideshowstreat!

Alternatively,suchchildrenwhowanttopursuetheirdreamsinevitablyhavetounshackle
themselvesoftheseparentalcommitments.Evenifachildsupportstheparent,itcanbe
Most
Read

Most
Shared

uneasyadjustmentandadependentparenthaslittlesayintheexpenditureandsupport.
Thus,abloodrelationshipisreducedtoatransactionaloneandcreatesbickering.

Most
Commented

Fivetopmidcap,smallcapstockideastoplayin
2016
EndoftheroadforModiBulls?Niftytotradein
sub7,000levels
AlkemLabsIPO:Brokeragesseegoodlongterm
potential

Forminutebyminutemarket/stockupdates,followourTwitterhandle@ETMarkets
Thethingisthatalternativesarealreadyavailable.Aparenthastoonlyplanafinancial
retirementsolutionandsticktoit.Suchaparenthasmoneytogiveawayinoldagerather
thandependencytosufferatsuchcriticaltime.

TataGroupeyes$350billionmarketcapby2025
Rupeehits67tothedollar:Whyisitsliding?
More

NottobeMissed
Chooseequitylinkedsavings
schemesafterproperdue
diligence

AnothermythafflictingIndianinvestorsisthat'equityisrisky'.Thetonesareusually:"I
lostXamountinstockmarket'.'Mysecondcousin'sfatherinlawsaysnottoputmoneyin
stocks."Orthingslike,'Marketisjua'(gambling).Anothervariantofthisis,"Ilostmoney
in2008won'tputmoneyagain."
Thefactistheseareexperiencesofatrader.Aspeculator.Naturally,theoutcomeswill
beinsimilarline.Equityinvestmentisalongtermcommitment.
Investinginequityisliketakingaproportionateshareinabusiness.Andnohonest

Tirupati:World'srichest
templemaymovestashto
Modigovernment'sgold
scheme

Chennai'sworstrainin100
years:Latestimages

businessmakesreturnsinafewmonths'time.Youhavetogiveittimetogrowandallow
yoursharetobecomehighlyvaluable.Inmyopinionnotinvestinginequitiesisrisky.
Anothermythassociatedwithequityinvestmentisthe'expectationofpredictability'.Many
investorswishtoseetheirequityinvestmentgrowatasteadyrateofgrowth.Thetruthis
investinginequitiesislikegrowingabambooplant.Itmayshowspurtofrapidgrowthin
firstyearoritmayremainasaplingfornextfiveyears.Butyouhavetobeatit.Because
thegrowthoffshootofsixthyearwouldbesorapidthatitoverpowersthenon
performanceofpreviousyears.Thepointis:youhavetobepatient,diligentandlong

11psychologicaltrickstoget
peopletodowhatyouwant

termwithequity.
Thereisanothersetoffictionthatplaguesthemarket.Thatis,'Sincemutualfund
investmentsaresubjecttomarketrisks,soletusavoidtheinvestment'.Notinvestingin

TherightpartnerforM2M
solutionandstrategy

mutualfundisalsoariskhere.Suchaninvestorrefusesthelowcostadvantage,the
equityinvestmentadvantage,andtheprofessionalportfoliomanagementadvantage.And
allthisprobablyforalowyieldinginvestmentornegativerealreturn.

BharatBenzshowcasestrucks
atEXCON2015

Heavyrainfalldisruptsnormal
lifeinTamilNadu

Thenthereisthe'insuranceforinvestment'myth.Theveryideaofinsuranceistoprotect
youfromtheriskofloss,damageorcasualty.Insuranceisworthdyingfor.However,for
living,yourequireinvestmentsolution.Itisalwaysadvisedthatinsuranceandinvestment
bekeptseparate.Insuranceisonlytocoverrisks.Investorsmustrememberand
internalisethat.
StayontopofbusinessnewswithTheEconomicTimesApp.DownloaditNow!
DON'TMISS anystories,followusonTwitter

ThreewaysSteveJobsmade
meetingsinsanelyproductive

READMOREONinvestments|insurance|equities

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Gainers
PBAInfrastructureLtd.

15.45 2.55 19.77

15.45

DeepakRavindran:Adropout
whoisnowhiscollege's
biggesthirer

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Ssindia

46325

1hoursago

Investinginequityisliketakingaproportionateshareinabusiness.Andnohonestbusinessmakes

Fivetopmidcap,smallcap
stockideastoplayin2016

returnsinafewmonths'time.Youhavetogiveittimetogrowandallowyoursharetobecomehighly
valuable.
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6mGovernanceapplications
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WonderwhetherthePlotisLostandmainthemeofHowNottoLosehasitselfbeenLOSTsomewhere
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AAPgovt's400%payhikegift
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guestcolumn:notgoodenough....whatisyourpoint.

Whatyoucandotopaylower
premiumforyourtermlife
insurance

BShanbhag

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28949

2hoursago

Whenjoiningastartup,dont
askwhatposition,whatrole:
Paytm'sRuchiSanghvi

.Insuranceisworthdyingfor.Whatastatement,Ilikedit.ifwewishtoprogressinwealthmanagementwe
mustinvestinequities.Marketsuregivesusbetterreturnsinthelongterm.Onlythingistoselectbestand
waitpatiently.Thearticlegivesabetterinsightindeed.
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Howglobalwarmingis
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inwhichuniversethisarticletells,hownottoloosemoney

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Learningfromthetrailblazers:
RaghuramRajanshares
workplacetips

PMNarendraModishouldget
a'salaryhike':DelhiCM
ArvindKejriwal

Dumnaairportremainsclosed
followingmishap

FacebookCEOMark
Zuckerberg:10littleknown
facts

'NIRAVMODI'celebratesits
firstHongKongboutiquein
ElementswithactressAnita
Yuen

PMModisproactive
environmentaldiplomacyin
ParisputsIndiaatcentrestage

KeralaPortgetsacentralgift
cabotagelawsrelaxed

Kannadigasaretheparadigm
oftolerance:SubrotoBagchi

Microsoft'sSatyaNadellaand
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