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Niveshak August 2016 Issue with Page Flip version

Posted by Team Niveshak on Tuesday, September 6, 2016 , under , , , , , |



Dear Niveshaks,

We welcome you to our eighth anniversary issue. What was started as a small initiative to keep abreast the readers about the finance and economic issues, has now grown into a full-fledged magazine with different sections, articles, contests, interviews and lots more. All of this has been possible only because of your continued support which has been the fuel for us to continuously try to exceed your expectations.

In the run up to the anniversary issue, we organised our anniversary issue contest
Celebratio. This time we had two different task. Firstly we invited a model to select stocks based on the principle of Value Investing and for the second task we gave country-specific industry topics and invited the views on those topics. We are very enthusiastic from the huge response from our readers. It was a herculean task for us to select the winner. It would be unfair on our part if we did not thank all the participants who showed their enthusiasm for the events. You could find the top three
industry analysis in this issue.

From this anniversary issue, we have tried to set the standards high and have introduced a new section in our magazine – Equity Research Report. From now onwards, each month we will select a stock and would publish an ER Report. We hope that it would add to your knowledge. This time, we have brought to you the views of Mr. Rajendra Kalur, Director & Chief Executive Officer, TrustPlutus Wealth Managers (India) Private Limited and Mr. Jay Shah, founder of Ventureforth and President Star Advisory Services, LLC. They gave their views on wealth management and raising capital.

Talking about the month, the benchmark Sensex ended with around 1.5% higher than the start of the month. Also the month made some of the important news that would have long-term implication for the Indian economy. One of the most important event for the month was the announcement of the new governor of RBI Mr. Urjit Patel who would replace Mr. Raghuram Rajan when his term ends in September. Mr. Patel is the former deputy of the RBI and brings with him vast experience in the field of banking and economy. Other important event was the introduction of a bill in the parliament that would fast-track the debt recovery process. It is important in the respect that it would fasten the process of debt clearance for the banks.

Finally, all of this would not have been possible without your support and enthusiasm. You are our prime motivators and we continue to look up to you. Though we have come so far, but we would not become complacent and would try to continue to provide you with the stimulating ideas and opinions. 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 July 2016 Issue with Page Flip version

Posted by Team Niveshak on Tuesday, August 9, 2016 , under , , , , , |



Dear Niveshaks,

The month made news mainly centred around the monsoon and the GST Bill. The
benchmark Sensex index showed optimism for the month with the index up by
around 2.92% during the month.

The Indian monsoon and the GST Bill attracted the maximum eyeballs in the month
of July. The benchmark Sensex index showed optimism for the month with the index up by around 2.92%.

The two most discussed issues for the month for the Indian economy were the prospect of good monsoon and the push by the government to pass the GST Bill. As has been predicted by the IMD, India would have above normal monsoon after a gap of two years. This is a very important factor for a country heavily dependent on the rainfall for the agriculture sector. Also, one of the most awaited reforms in the Indian economy, the GST Bill, is all set to come into force. The Rajya Sabha has finally cleared the bill after struggling to form a consensus over it for years. Also some of the other events that made news this month was India tryig to host G20 summit in 2018 rather than the scheduled 2019, and some news in FMCG sector where the companies like Dabur and HUL are venturing into new sectors.

On the magazine front this time, July’s article of the month talks about the bankruptcy code. The author asserts the importance of bankruptcy code in making the system more resilient. Our cover story is on the Trans-Pacific Partnership among the nations. The article talks about the recent development where the nations have signed a deal on the final proposal, though it is yet to be ratified. The article focuses on how
it would affect India. In the FinGyaan section, the author talks about the GST Bill and its effects on the Indian economy. The author talks about what benefits India could derive through the implementation of the bill and how it could be a panacea for the Indian economy. The FinRewind section covers the Enron scandal which had rocked the financial world. The author describes the event and provides his insight as to how this scandal made financial systems more robust. FinSight talks about the financial technology companies and their dynamics with the banks. The author supports the perspective that the banks should view the tech firms more as a partner in their growth journey rather than a parallel competing industry. This is based on the
paradigm shift being observed in the way people bank, with major functionalities being transformed for the mobile platform. This time we have brought to you an article on Personal Finance authored by Mr. P. Saravanan, Associate Professor of IIM Shillong, and published in Financial Express. The articles talks about how one should do Industry Analysis.The Classroom section explains the concept of ‘The Big Mac Index’. It is one of the popular indices to measure the purchasing power parity of nations.
Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivating 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 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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