CHIP: World's cheapest computer is $9

[dray]

ya, but still I mutual fund investment is hit and miss, fund manager change all the time. But of course its better for ordinary investors to invest in them rather than direct stocks(extra headache), and yes systematic investment is way better than trying to time the market... I was just trying to dispel the notion of 40 percent return.. another guy seems to be impressed too.. @Audio

Yes, SIP is a better option. And MF investments are not hit & miss if you are a disciplined investor and follow some thumb rules (of mine)!

In fact for long term goals MFs (equity) are the best option for common people, fixed interest bearing instruments or debt papers won't even cover inflation rates, hence there won't be any real growth in terms of time value of money, in short, your money will shrink in the longer run.

 

[Skull and Bones]

If one is looking to invest in lump sum, it always better to invest in 70-80% debt/securities, and 30-20% in equities.

 

[Audio]

If one is looking to invest in lump sum, it always better to invest in 70-80% debt/securities, and 30-20% in equities.

I'd go for lump sum only first time, to see what happens and if it works. If it does, i'd continue on a more regular basis then. In theory.

 

[livingdead]

Yes, SIP is a better option. And MF investments are not hit & miss if you are a disciplined investor and follow some thumb rules (of mine)!

In fact for long term goals MFs (equity) are the best option for common people, fixed interest bearing instruments or debt papers won't even cover inflation rates, hence there won't be any real growth in terms of time value of money, in short, your money will shrink in the longer run.

by hit and miss I meant you cant possibly say ANY actively managed MF is good, today you think franklin is awsome, next year some awsome dude leaves the managerment or they fcuked up.
Long term I think index funds/passive funds are better for ordinary investors, yeah fixed deposit should be part of portfolio too.

 

[Skull and Bones]

I'd go for lump sum only first time, to see what happens and if it works. If it does, i'd continue on a more regular basis then. In theory.

The key lies in diversifying your portfolio, I'd certainly avoid funds with major exposure to banking stocks for now.

 

[Audio]

follow some thumb rules (of mine)!

Do share please. If it's not some trade secret.

The key lies in diversifying your portfolio, I'd certainly avoid funds with major exposure to banking stocks for now.

My "peasant common sense" is telling me i'd be best in food and pharma. Both needed 24/7. And ya, no banks.

 

[Skull and Bones]

Do share please. If it's not some trade secret.

My peasant common sense is telling me i'd be best in food and pharma. Both needed 24/7. And ya, no banks.

Telling from Indian perspective, FMCG, pharma and infrastructure are the funds to look forward to in coming years.

 

[Audio]

Telling from Indian perspective, FMCG, pharma and infrastructure are the funds to look forward to in coming years.

FMCG?...nvm i googled it, fast moving consumer goods. I thought it was some Indian company with that name.

As for infra...isn't that more or less at the whims of government expenditure? And if you hit the fund which holds investment of some infra company that's sucking on .gov tit you're golden, if not, not.

 

[livingdead]

Do share please. If it's not some trade secret.



My "peasant common sense" is telling me i'd be best in food and pharma. Both needed 24/7. And ya, no banks.

mate if everybody has same common sense, it has alrady been factored into the price..
jk jk..

 

[Audio]

mate if everybody has same common sense, it has alrady been factored into the price..
jk jk..

No 40% then?

Anyhow, thanks to all for answers, going off for today.