PrimeInvestor - Articles and Reports

monika halan
General
Srikanth Meenakshi

Monika talks money

A good way to gauge the state of personal finance books that are India-centric would be to visit the โ€˜Bookโ€™ section of Amazonโ€™s India website.

If you go to the American Amazon.com, you will find the โ€˜Business and Moneyโ€™ section, under which you will find โ€˜Personal Financeโ€™. Boom, done – you have access to a treasure trove on all topics PF.

If you go to the Indian Amazon.in, you will find a โ€˜Business and Economicsโ€™ section, and under that, you will find โ€˜Analysis and Strategyโ€™, โ€˜Economicsโ€™, and โ€˜Industriesโ€™. If you, by power of logical reasoning and elimination, go into the first category, you will find, along-side books about American personal finance and self-help (Dale Carnegie!), a smattering of books by Indian authors to help Indian investors.

A handful, at best.

No doubt, this is an emerging section, but the current state of limited selection is properly captured by just browsing through these aisles.

Monika Halanโ€™s โ€˜Letโ€™s talk moneyโ€™ is, especially in this context, a much-needed publication that addresses a sore need in the Indian market.

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General
Srikanth Meenakshi

โ€œRetire Richโ€ by P V Subramanyam โ€“ A handbook for your golden years

World over, planning and investing for retirement in a disciplined fashion is not the norm. However, western countries have a healthy social security net that would keep people out of really bad situations, and many such countries would have state-sponsored health coverage that would take care of the inevitable big bills in old age.

India has neither, at least not in a manner that will cater to a middle-class life-style and care aspirations here. Hence, planning, saving, and investing for retirement becomes a must-do activity during the earning years of an individual in India.

P V Subramanyamโ€™s book โ€“ โ€œRetire Rich โ€“ Invest Rs 40 a dayโ€ was the first book on this topic. The original version was published in 2011 and sold more than 150,000 copies, and is now available in a new edition (since 2019).

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Markets
R Balakrishnan

The many roads to mis-governance

Many investors think of corporate governance as an esoteric concept that is good to have. But if is a little dodgy, they think it can be safely ignored, as it doesn’t affect them directly. They couldn’t be more mistaken.

Having discussed the origins of the concept of corporate governance, here are some key ways in which mis-governance at companies you own shares in can directly impact your returns.

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GME
General
Srikanth Meenakshi

GME and Investors in India

Are Indian investors starting to buy into the GME hype? How risky is it, and what could happen with this company’s stock? The background story and how it is playing it currently.

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General
PrimeInvestor Research Team

Budget 2021 โ€“ Whatโ€™s in it for you?

Fiscal spending and debt funding appear to be the primary gears that Budget 2021 plans to use in full throttle – in the hope of reviving the economy.
The big picture first. Fiscal deficit at 9.5% of GDP for FY-21 will not ease any time soon. It will take a slow path to reducing to 4.5% by FY-26. What does this mean? The thus-far fiscally-prudent government has decided it is necessary to spend to spur growth, with a slow glide path to fiscal prudence. And the stock markets love this!

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Prime stocks
Stocks
Srikanth Meenakshi

Launching Prime Stocks

We are delighted to announce the launch of Prime Stocks โ€“ our list of recommended stock picks that investors can use to build an equity portfolio and augment their investment returns.

This offering will complement our core investment recommendations across mutual funds, ETFs, and deposits.

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Stocks
Bhavana Acharya

Prime Data Crunch: Can companies sustain Covid-era profitability?

A 7% decline in revenue but a 17% jump in profits is not an earnings scenario that you see often. We are talking of the September quarter numbers over a year ago for a universe of 1,122 companies. But then, abnormal times throw up abnormal results. How did India Inc achieve these profitability numbers and are they here to stay?

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Fixed deposit
Bonds & Deposits
Aarati Krishnan

Why bank fixed deposits can be high risk too

If you decide to park a portion of your deposit portfolio in riskier bank fixed deposit options after fully calculating the risks that can play out, thatโ€™s certainly a valid decision. But before you take that call, it is important to know how bank failures actually play out in India.

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Research Reports
PrimeInvestor Research Team

Quarterly review โ€“ Changes in buy/ sell/ hold calls in our fund review tool

In the first of our series on quarterly review & updates, we are covering some of the key changes in our buy/hold/sell calls in our MF Review Tool. When you do so, please make sure you specifically choose the plan that you hold โ€“ direct or regular – as our calls may change in some cases between plans of the same fund.

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