Author name: Mr. Sushil Alewa

Top 10 company stock where LIC Stock Market is loosing money of shareholders and public and these company has filed or in Que to filled the bankruptcy with NCLT . Due to poor Investment underwriting standards (Debt & Equity Investment) compare to Private MFs / Pvt Banks because 1. Corruption 2. Political pressure 3. No Proactive NPA recognition like a bank / MF. 4. Poor Quality of Insurance Regulator IRDA. 5. No Proper disclosure of Investment Fact sheet on monthly Market Value basis. Today, LIC may have 15% to 25% NPA but NO one ( Regulator / Finance Ministry) wants to discuss / take proactive actions to avoid may be India’s biggest scam( NPA may be size of Rs. 5 lakh Crore).

Now a days Everyone is getting  fake Mobile Calls Scam, message, mail etc.  many peoples are get convicted due to temptation and lake of knowledge with these scammer  and lose hard core money. If you don’t want to lose the money with such fraud calls you must read this post. We have collected top 9 Fake ideas which is used by scammer to lure the common people. 1. Lucky Winner : Congrats, you just won a lottery ticket, to get this amount click on below link. Never click on that link you will disclose all your information to the sender of the mail like net banking password, Gmail password etc. 2. Calling from IRDA: People are getting call now a days to top up their insurance policies to get more amount on maturity. Caller ask to disclose the information over the phone and ask to deposit the a sum of rupees in the back account. Fact : IRDA never call to anyone for such kind of activities or never ask to deposit the money in the bank account. 3. Calling from your Bank : Many people are getting call with name of the bank that we are calling from your bank and your account information need to update immediacy otherwise your bank a/c would be close. Fact: Banks or RBI never call to any customer to ask personal information and they never can close your account until your written consent. So need to tell any information you can ask them to put letter on your register address. 4. Donation Collection: Some fake NGO hire tele caller to call people about donation that a one year child is suffering from disease and their parents are very poor people if you will give some amount then we will go for treatment of that child. Fact: No such child exist in hospital or no one help them the child after giving your donation. 5. Calling from Tech Support: If someone calling you to be from Microsoft, Google or Facebook or another company to solve the problem of your computer then it is totally fraud. Fact: Say no to them because these organization never call without you put request on their portal 6. Calling from Income Tax department: Income tax is always a thread for everyone so caller are misusing this fact and they call to the people and ask to deposit the advance tax so that they can escape from department scrutiny. Fact: Income tax department never call to deposit the fund immediately, so denied that people. 7. Virtual Kidnapping:  A call from a unknown number and claim to have a loved one is horrifying and ask you to pay ransom against him. Might be someone is screaming in the background also get you confused. Fact :  Don’t believe it is fake ideas that some people are using now a days against  rich family. 8. Can you hear me : If you pick your phone and the caller starts by asking you “ Can you hear me?” don’t answer that call because the scammer can record your voice and can use for online order and other place to act that you are calling and ask some one to help monetary benefits. 9. Fake Employment Call: Someone can claim you over the phone that calling from a repudiated company and you cv have been selected for such and such post. You telephonic interview also be taken over the phone and later they will ask you to deposit the money in the bank a/c for getting appointment letter and full benefits of the employments. Fact :  No such company exist in real life who provide you job without taking your skill test or they never ask to deposit the rupees in their bank account.

1. Investing2. Money Control3. Stock Watch4. Stock Edge5. Investar6. Financial Express7. Business Insider8. Bloomberg Market9. Economics Time10. DSIJ Flash News Top 5 Magazine to learn Indian Stock Market : 1. Dalal Street2. Wealth Insight by Value Research3. Capital Market4. Mad About Money5. Business Today International Magazine : – 

Contrarian investing is as old phenomenon as  investing itself. It is one of the most revered investing philosophies and somewhat over laps with the value investing philosophy. Contrarian investors, like value investors, attempt to identify investing opportunities that are not on the investment radar of majority of investors. The contrarian investors are always looking for financially solid companies that are temporarily out of favour in the market and are priced low when compared to their earnings. Contrarian investor is an independent thinker and chooses not to follow the crowd. A true contrarian defines value differently and believes that the real “value” is at the extreme – low P/E, low P/B, low P/CFand high dividend yields. A contrarian investor has to show patience as his contrarian bet may take ages to fructify. It is observed that value stocks remain undervalued for extended periods oftime and this is because the market maynot recognize the intrinsic value of the undervalued securities for years together. When a contrarian investor takes a bet on a value stock that is out of favour in the market it is almost impossible to predict when the stock or the sector will start recovering and catch investors’ attention. It is safe to say that any contrarian investors need to have an  investment horizon of more than three years at least. What are the key benefits of contrarian investing ? The key benefits of contrarian investingare buying stocks whose risk is low, sinceit is already perceived by the crowd as underperformer. The crash of 2008 is a classic example. when majority were selling shares from their portfolios and fleeing to the perceived safety of cash, while for contrarian investors, it created incredible buying opportunities. Now, with the internet age where market news moves in sub-seconds, any big newsflash that traders think will help in moving the stock has already been factored. The market has repriced before it gets past the specialist wires. What are the risks in contrarian investing? The risk of contrarian investing is loss of capital. However, as we said, to safeguard that, investors need to apply stock screening model and not just buy any random down-on-luck stocks or penny stocks. We have seen many stocks that failed to provide any returns even after market reaching all-time high. Some of the stocks that can be identified for contrarian investing are identifying companies with solid brands and good cash flows that are suffering a temporary economic setback and would benefitfrom a recapitalization and management change. Why contrarian investor earn better returns? The stock market has a way of consistently overvaluing prospects of highly regarded companies and just as consistently undervaluing those that appear to have lacklustreoutlook.History indicates that in a great majority of cases, there has been a resurgence of earning power, followed by renewed enthusiasm and higher market prices for such out-of-favour stocks. CONCLUSION :- Contrarian investing is not for a part-timer, nor is it for an investor who understands equity markets superficially. Any investor who can diagnose the market trends, can think independently and is willing to wait for years together to see his or her investment grow can dabble with contrarian investing style. To go against the crowd can be rewarding once the outcome is positive. If the markets do not behave the way contrarian investor anticipated, the amount of loss can be huge. Hence, contrarian investing is not for the light-hearted investor. For retail investors, seeking an expert’s advice is highly recommended before adopting the contrarian investing style. One of the smarter moves could be choosing to invest in mutual fund that adopts contrarian investing philosophy. If one takes a portfolio approach, not more than 10 to 15 per cent of one’s portfolio should be dedicated to the contrarian investing philosophy at the best.

What are SEBI Toll free helpline number to get information? How to Load complaint against intermediaries in stock market? When a new investor come in to the stock market, he don’t know the rule regulation & procedure of the stock market. So due to this weakness some intermediaries cheat investor. History is full of so many examples where intermediaries miss guide the customer or do some wrong practice with them. Now a days SEBI is playing an active role to protect the interest of the investor and empowered them by conducting seminar of financial literacy and awareness. SEBI has launched SCORES portal: Now you can load online complaint on Score portal without paying any fee and without hiring a advocate. SEBI has launched Toll free number : SEBI toll free no. are available only for Monday to Friday from 09: 00 AM to 05:00 pm. So you may call accordingly. Regulators in Indian  Financial Market India have multiple regulator, there is no  super regulator who can handle everything regarding finance. So if you want to complaint then you must have to know which is the right regulator. Photos space Some IMP website to filled complaint online:-

Reserve Bank of India is a regulating authority of banking sector in our country. RBI is also responsible to control the inflation and money supply in the country. RBI handle all the above issue by creating Monetary policy and review it after every 3 month periodically time to time. RBI always check the current market scenario and take decision accordingly to increase or decrease the interest rate. Before understanding the we need to know that banking and financial services industry is having major contribution in major stock market index Nifty which can see by below charts : So if RBI control the interest rate (up or down) during monetary policy review then these companies is going to be effective most and NIFTY / SENSEX that day. If you have idea what RBI is going to do with interest rate then you can earn a lot from the swing of the market. What is Monetary Policy? Component of the monetary policy: What is current rate of monetary policy as on 29th June 2018? CRR        : 4% SLR         : 19.5% Repo Rate             : 6.25% Reverse Repo Rate  : 6.00% Who is responsible to change the rate of the monetary policy? What is  MPC – Monetary Policy Committee? RBI Governor was responsible to change the rate of the monetary policy till the honorable Governor of Mr. RaguramRajan but after his term a new committee has been formulated by Govt. of India name MPC, Monetary Policy Committee which is headed by Governor of the RBI and having which 6 member 3 from RBI and 3 from Center Govt. It depend on voting of the member weather rate  would be change or not.  Why NIFTY / SENSEX   gain if the interest rate cut by RBI? Because if the loan is cheaper then there be growth in the market taking the loan by entrepreneur people and they will produce more products / services. More people will get the employment and economy will grow on a fast track. But inflation might be increase  because of the surplus cash in the market and currency can get cheaper. Why NIFTY / SENSEX go down if the interest rate increase by RBI? Vice versa if the loan is getting costlier the people are avoiding to take the loan and upcoming project might be delay and ongoing project also can face shortage of the fund due to lack of liquidity in the market. So only a few people will get the employment in the market and production would be at low level. The economy will increase at a low point.