Should You Buy AEGON iINVEST INSURANCE PLAN?

I have not been a great admirer of market linked Insurance Plans, popularly known as ULIPs, primarily because of the amount of premium allocation being done by most insurance companies towards buying the units of the Unit Linked Plans.

In most of the old ULIP plans buyers have paid hefty percentage of their premium towards commission and marketing resulting in fewer unit purchased and thus poor return on their invested capital over the period. This happened primarily because of lighter regulation and less awareness about the product. Agents promised hefty returns and buyers in general didn’t question how? But with increased awareness and much tighter regulation these days, one can again look at some ULIP plans from trusted insurance companies which are offering even 100% allocation.

Taxes in Indian Stock Market

Taxes on trades and gains in Indian Stock Market.

Logic Kya Hai

I was horrified to see a Dominos guy escaping a near death experience recently at a busy intersection in Kolkata when he tried to pass between two public buses racing each other for passengers. There is no doubt this is a common phenomenon across all major cities where number of bikers face life risks on busy roads specially the delivery guys who are always pushed to deliver food or products asap. No doubt pizza tastes better when its hot but at what cost? #LogicKyaHai. Pushing the delivery guys to deliver fast risking their lives seems ridiculous and as buyers we all have to play a role in changing this system.

Top 6 oldest posts on InvestorZclub

InvestorZclub was started about 7 years ago and has since then gained reasonable popularity with ~1000 Facebook followers and 3000+ feed and email subscribers. Since initial days the sole objective of the blog was to make stock investors informed, aware and empowered with posts ranging from direct stock analysis to explaining the working of stocks markets and timeless wisdom from some of the greatest investors.

Here are the top 6 posts which were published in the first year of this blog.  



The Potential Multibagger  - 23rd Nov 2010



Ting Ting Tding  - 27th May 2011



Portfolio Update - 13th Nov 2017

Significant portfolio Update. Booked 22% gain on overall portfolio in just 3 months. Zero credit to my stock picking skills as such sharp appreciation was never expected on portfolio level and it all happened due to benign liquidity environment. 

Please check the updated portfolio for more details:

Find your trading edge

The most essential ingredient in trading is an edge.  All successful traders have it and in no way one can succeed in stock markets without this.

Why rich are successful in spite of repeated failures

Few good ideas are all you need.  So don't fret over the opportunities lost while learning.

Red Flags in Reliance Industries Q2 FY 2018 Result

While analysts are cheering trying to justify why Reliance Industries stock price should get re-rated, I found the balance sheet which was with the result release to be quite scary. I have encircled the items which seems to be looking not good for the shareholders:

Current Asset to Current Liabilities, which measure the liquidity position of a company stood at 0.58 in Sep 2017 vs 0.62 in March 2017. Any figure which is less than 1 is not very healthy. It is approaching half which in my view is a cause of worry.




Very Low Interest Payout: Non current and current financial liabilities (including trade payable) put together is roughly 3.99 lakh crores while the interest outgo in the second quarter of FY-18 was only 2272 crores which is just 0.57% for 3 months. No body gets loan at less than 2.3% per annum. So the interest outgo is bound to go up very significantly in coming years when the interest capitalization is stopped and the trade payable(> 84000 crores) are paid / reduced.

The Short Sellers

The Short Sellers in Stock Markets these days.. 

How to choose between Fixed Deposits and Equity for investments?


Stocks Vs Fixed Deposits - Which one is better for you?

If your Investment horizon is  less than 3 years, fixed deposits are better investments than equities as cyclicality might create huge volatility in stock prices in short term while if you have surplus that you can set aside for more than 5 years, diversified equity portfolio or Index ETF such as Nifty BeeS are much better choice as per the performance of different asset classes over the last century.

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