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Niveshak June 2016 Issue with Page Flip version

Posted by Team Niveshak on Saturday, July 2, 2016 , under , , , , , , |



Dear Niveshaks,

The month of June saw two major events, the first one being domestic and other being a global one, both of which will have a far-reaching effect in the coming quarters. While the benchmark Sensex index ended the month at approximately the same level at which it started, there was huge volatility mainly on account of these events.

The first big surprise to shake the market took place when the RBI Governor, Raghuram Rajan wrote an open letter to the employees of the RBI about his plan to exit when his term ends. The main cause of the concern was the timing of the change in governorship when the global economy is facing strong headwinds.

Another event with global repercussion was the Brexit. The ‘Leave’ camp having won the vote meant that the UK would have to leave the European Union. The stock markets plummeted across the globe with Sensex opening around 1000 points down the next day. Since India has strong economic ties with the United Kingdom and many companies earn in the Euro, the market tumbled.

The month also saw some other interesting news like Railways making its front line staff more customer friendly and e-commerce company Flipkart reducing its return day policy from 30 days to 10 days for most of the products it sales.

On magazine front this time, the article of the month talks about the GST since the bill has been passed by the Lok Sabha and awaits its approval from the Rajya Sabha. The article provides a holistic view of the bill. Our cover story talks about the historic vote of Brexit and explains what the implications are and what led to such a situation. For FinGyaan, the author talks about how financial system can be integrated with the sustainable development. It brings in different perspectives which can help us reach this goal.

Our FinRewind section talks about the Dot-com bubble burst. The author analyses the event and charts out the lesson that can be learnt from this. And the Fin-Sight section explains Islamic Development Bank. The author explains its financing instruments and the key features of the bank and its implication for India.

This time we have brought the expert interview of Mr. Rakesh Kumar Verma, Chief Financial Officer of JNU, IAAS. He gives a detailed explanation on the expenditure of the government on the education sector and how it is ensured that the money is used for the intended purpose. He also talks about how the funds are allocated to the educational institutions.
fund management.

Finally, we would like to thank our readers for their immense support and encouragement. You remain the prime motivation factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great month and wish you the best for the new one.

Thank you. Stay invested!
Team Niveshak

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Niveshak May 2016 Issue with Page Flip version

Posted by Team Niveshak on Wednesday, June 15, 2016 , under , , , , |



Dear Niveshaks,

The month saw government taking some small but important steps to improve the ease of doing business. The benchmark Sensex also remained range bound with the index showing uptrend only in the last days of the week.

During the month, the government took some decision which will have far-reaching impact to simplify the business process in the country. For example, to make export clearance easy and effort-less in its unprecedented move the government has opened a new window which will provide clearance in one day. Now the government has set big targets to achieve, it has also directed Niti Aayog to set up monthly targets for all the departments. This will boost implementation. Also in its attempt to curb black money the government is trying out measures to ensure cashless transaction more frequent. Measures have been identified like installing more POSs and offering first five internet transaction free. If successful, the measures will significantly help in curbing the black
money.

On magazine front this time, article of the month talks about the negative interest rate and how it could impact Indian economy. The article points out the prolonged use of the negative interest rate might lead to price war among countries. Also with the probable collapse of the Eurozone, if the Britain leaves the group, there are chances that the central banks will continue the negative interest rate. Our cover story talks about the telecom sector and the impact it has on the Indian economy, how the sector has evolved and with the 4G coming to the country the sector in entering into the
next phase of growth. For FinGyaan, the author talks about one of the important issue currently plaguing the banking industry i.e. the burgeoning NPA. The author points out the hindrances banks are facing in clearing the NPA. Our FinRewind section talks about the currency crisis which had hit the Russian economy at the end of the 19th century. And the FinSight section delves into the banking industry of the country and how we can make it more accessible to all.

This time we have brought the expert views of Mr. Pradeep Dhamdhere, Fund Manager, Equity & Senior Analyst, Bajaj Allianz Life Insurance Co. Ltd. He gives his views on portfolio and fund management. Specifically, he talks about various parameters that one could consider in constructing a portfolio, what are the general regulations one has to company with when managing a professional portfolio vis-à-vis a personal portfolio and how investor should protect oneself from the volatility. He also advices on the specific skill sets a young professional need to develop for building a career in
fund management.

Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivation factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great financial year and wish you the best for the new one.

Thank you. Stay invested!

Team Niveshak

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Niveshak April 2016 Issue with Page Flip version

Posted by Team Niveshak on Wednesday, May 11, 2016 , under , , , , |



Dear Niveshaks,

Welcome to the FY17. The month created a lot of news but nothing much significant.With the world market and economy relatively stable, the benchmark Sensex rose by1.19% during the month.

There was one important move by the RBI which will have significant impact in the banking industry and it was the applicability of MCLR from April 1st, 2016. The move is aimed to reflect changes in the borrowing rate for the retail consumers whenever RBI changes its policy rate.


Also there are chances that after 2 years of drought, the country will have a normal monsoon. This is essential for a country like India where a large number of farmers are dependent on rain for irrigation.

The month also saw some moves by the government in the aviation sector. After Civil Aviation Policy is implemented, private players would be able to claim subsidy for regional routes. Also government has eased rules for local airlines to fly abroad. On Magazine front, our article of the month talks about the fall in the economy of Japan. It also analyses the important aspects of the Abeconomics and what went wrong. The article cautions the European economy to learn from the Japanese economy. The cover story analyses the journey of the Insurance sector in India and what are the different channels that have been adopted by the insurance companies. For FinGyaan, the author explains how weather derivatives instrument can be used to protect against possible fallout of the weather. The article explains how the pricing is done and the prospects for weather derivate instrument in India. Our FinRewind section has picked a yet another important event in the Indian economy history, which is LPG (Liberalisation, Privatisation and Globalisation) in India. The author illustrates what led to the decision of opening up of the economy and tries to answer whether we are better off or not. Finally FinSight section talks about the rising gap between the rich and the poor. This time we have an interview of Mr. Nimesh Manger, Regional Head, Agri Business, Gujarat at Ratnakar Bank. He talks about why financial sector has maintained a distance from the agriculture industry and what are the potential areas where there is huge opportunities for the industry to tap the market. The Classroom section explains the concept of Money Market Hedge. It is a simple technique which is used by traders and other players to hedge against the foreign exchange risk.

Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivation factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great financial year and wish you the best for the new one.

Thank you. Stay invested!

Team Niveshak

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Niveshak March 2016 Issue with Page Flip version

Posted by Team Niveshak on Friday, April 1, 2016 , under , , , , |




Dear Niveshaks,

We welcome you to our last issue for this fiscal year. The month had a lot of buzz after Finance Minister Arun Jaitley presented the Budget on the last day of the previous month.

After trading downward in the month of February, Sensex showed an upward trend in March, buoyed by strict fiscal consolidation measures announced by Mr. Jaitley in the budget. The month also saw some big moves on the policy front such as the statutory backing of Aadhar Bill and stern actions by lenders to recover dues from loan-defaulters.

Moreover, the statistics ministry is contemplating on including online purchase in CPI calculation, which is a very pragmatic move and shows proactiveness on the part of the government. On the global front, the Federal Reserve clarified that they would not go as per the pre-set plan of the rate hike and would only raise the rate two times in a year.

Our Article of the Month article identifies that it is the perfect time for India to catapult its growth engine given the slowdown in the Chinese economy. The author discusses as to why the Chinese Slowdown is “India’s Big Break”. The cover story analyses the Budget and focuses on the specific sectors through which Mr Jaitley plans to transform India. The author concludes that only time will tell whether the government is able to fulfil all its proposals in the Budget or not. For FinGyaan, the article identifies the issue on non-performing assets which is plaguing the Indian Banking industry and also suggests some measures which can be used to improve the situation. Our FinRewind section brings to you the story behind Black Monday of 1987. Here, the author outlines the incident, its reasons and the new regulations that were put in place after the massive crash of the stock market. FinSight deliberates on financial inclusion and the author acknowledges that though financial inclusion is the next big thing in India, there are many roadblocks.

This time we have an interview with Mr. Manish Dugar, Chief Financial Officer at InMobi. He talks about the advantages of having a company being operated from different nations, valuation of a start-up and how a start-up can best raise funds. Classroom explains the concept of Carry Trade, a strategy whereby an investor borrows money at a cheap rate and invests in some security or asset that is likely to provide a higher rate of return.

Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivation factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great financial year and wish you the best for the new one. Keep it pouring in.

Thank you. Stay invested!

Team Niveshak

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Niveshak February 2016 Issue with Page Flip version

Posted by Team Niveshak on Tuesday, March 1, 2016 , under , , , , |




Dear Niveshaks,

The month of February has generated lots of news in the financial world. The BSE Index Sensex remained below 25,000 mark for the whole month and we also saw big fall on some days mainly due to global cues.

The month started with the good news regarding rise in Manufacturing PMI for January which was noted as 51.1 compared to 49.1 for December. Also we saw IT behemoth Infosys announcing that it will build world’s tallest tower clock tower. The decision regarding net neutrality by TRAI clarified the confusion where TRAI did not allow for differential pricing. Also the announcements by Apple that it will set up tech centre in India added gold to the India’s IT glory.

The month ended with the three most important financial events of the year. Railway budget sought to explore innovative sources of financing, Economic Survey focussed more on the external factors and it forecasted unusually large range of 7 – 7.75% of GDP growth rate for FY17 and the Union Budget also stressed on the turmoil in the external sectors and renewed focus on rural sector.

On magazine front, our cover story is about how Alphabet got its valuation and how start-ups are getting so high valuations in spite of running in losses. The Article of Month describes about the shoddy practices that a Pharma company followed and earned millions. The story shows how a company which is highly valued would be following a shady business model. FinGyaan section of the magazine talks about the boundless opportunities that India possess and shows that much can be done. For Fin-Rewind section we have chosen a topic which explains how OPEC created a financial funding option and what impact it has on the world’s economy. FinSight explains about the behavioural aspects of finance and focuses on how human behaviour affect the financial decision. The Classroom section explains about LIBOR and what is the method of arriving at LIBOR and
some other aspects.

This time we bring you interview from Vivek Agarwal, MD of MTECH INFORMATIC LTD. He talks about Indian IT hardware industry, HR policies, the impact of Land Bill and the measures that should be taken for successful implementation of Start-up India.

To end this brief note, it’s important that we thank you, our readers, for your constant support and appreciation. Please continue to motivate us so that we can come out with more insightful reads in the issues to come. Keep it pouring in.

Thank you. Stay invested!

Team Niveshak

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Niveshak January 2016 Issue with Page Flip version

Posted by Team Niveshak on Monday, February 1, 2016 , under , , , , |






Dear Niveshaks,

A very Happy New Year. We welcome you to our first issue for this year. The month saw many ups and downs in the market. The Sensex started on a good note but that did not continue for the month. Crashing below the 24,000 marks, the Sensex finally recovered and ended by falling 1,320 points from the start. The volatility was mainly due to the external factors.

The month also saw reports by two major institutions pegging India’s growth on a rising path. Both World Bank and IMF said that India will be the fastest growing major economy in the world. They praised India for the reforms initiated by the government but cautioned that the World growth will also be affected by the slowing growth in the major developing economies of the world.
The IIP number released in the month showed contraction in the industrial production mainly led by the manufacturing sector. While CPI number shot up. Both these led to the dampening of sentiment among the investor community as they saw little prospect for the Rate-cut by the Rbi.

On a global front, falling Chinese economy continued to make headlines as the experts see more fall in the coming months. Oil is not showing any sign of revival. And to encourage more lending by banks, Bank of Japan has introduced negative interest rate. The rate will be charged on the incremental deposit that the banks will make to the central banks. The move will benefit emerging economies like India, where the cheap money will find its way for better returns. Also the stock market in India zoomed up on the day of announcement.

On the magazine front, our cover story is regarding the fall in the oil prices. Crashing from the highs of around $125 a barrel to $30 a barrel, the story shows how it is boon for some and bane for others. Article of the Month talks about the Masala Bond. Though little heard of about this type of bond, this is nothing but the issuing of foreign bonds in Indian rupees. The term got its due publicity after the Indian Railways decided to raise funds through this mechanism. FinGyaan section of the magazine talks about the Indian Banks and how they are in deep debt. The rising NPAs, especially of Public Sector Banks is a major cause of concern and the article talks about the issue. The newly introduced Fin Rewind section talks about the Energy Crisis of 1970s. The article takes a holistic view and see the situation from geo-political angle as well.

FinSight talks about the effect of the fall of commodity prices on India. The Classroom section gives the reader knowledge about the Exchange Traded Fund. FinView has the interview from Dr. S. Jayprakash, Co-Founder & Vice President of Nanobi Data and Analytics Pvt. Ltd. He talks about the insurance industry and how data-analytics can be used to catapult the insurance industry given the insurance market is still an untapped market in India.

To end this brief note, it’s important that we thank you, our readers, for your constant support and appreciation. Please continue to motivate us so that we can come out with more insightful reads in the issues to come. Keep it pouring in.

Thank you. Stay invested!

Team Niveshak

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Niveshak December 2015 Issue with Page Flip version

Posted by Team Niveshak on Thursday, December 31, 2015 , under , , , , |





Dear Niveshaks,

The month of December started on a positive note with GDP growth accelerating to 7.4% in September quarter and with the expectation that the government would meet its fiscal deficit target for this fiscal, although the Seventh Pay Commission’s recom¬mendation would put burden on the government. The RBI also kept its Repo Rate unchanged, which was as expected, and the governor said he would be pushing for the new base-rate calculation formula.


The month also saw heated debate over GST with the Opposition demanding scrapping down the 1% inter-state sale levy and capping the GST rate to which the government has partly agreed to by including it into in the law. Also the e-commerce companies lobbied to the government to keep them outside of the GST purview.

With the upcoming 4G services, companies like Samsung and Micromax, largest smartphone sellers in India, have shifted their focus on the devices which run faster on 4G network. To strengthen its sellers’ network Flipkart announced that it will give small working capital loans to all its strong network of 80,000 merchants.

The five-year high 9.8% IIP number for October was a big positive for the economy which showed that the economy may be finally out of glut and rising. After two-weeks of negotiations, India finally made it clear in Paris that due to its development agenda it cannot turn back on the coal, though the country is committed to increase its dependence on renewable energy by seven-fold by 2022.

The month also saw the most awaited move by Federal Reserve which raised its rate by 25 bps for the first time in a decade. This ended the uncertainty in the market. Finance Minister Arun Jaitely introduced Insolvency and Bankruptcy in Parliament which will help in winding up of failed business in 180 days and is in line with the global practices.

The cover story is an analysis of the Federal Reserve rate hike and its impact on the Indian market. The Article of the Month (AOM) discusses about the inclusion of Yuan in the IMF Reserve Currency basket. It talks about the growth of Yuan and the effect of the inclusion on the Chinese economy as well as world economy.

FinGyaan talks about the Derivative market and how it functions and what could be its implication. While the FinSight section analyses the reason as to what led to the delay in the growth of India.

This time around we have incorporated a new section named FinRewind which will talk about the major financial happenings of the past. This section will try to analyze the situation both subjectively as well as objectively. This issue has the Impact of the Bretton Woods Conference as its topic.

FinView has the excerpts from Mr. Rajat Mishra, Sr. Vice President , SBI Capital Markets Ltd. who gives his view on the Fed rate hike and the investment climate in the country. Classroom section shares knowledge on Factoring and Forfaiting. We would like to thank our readers for their immense support and encouragement.

You remain our prime motivation factor that keeps our spirits high and give us the vigor and vitality to keep working hard.

Thank you.
Stay invested!
Team Niveshak
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