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Is FD interest rates really attractive ? is it a better alternative to follow?

+7
Dileepa
shaankh
Rajaraam
illuminati
The Alchemist
Redbulls
notme
11 posters

Go down  Message [Page 1 of 1]

notme

notme
Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

people talk much on FD in the forum .is it a really attractive at this rates?

Redbulls

Redbulls
Director - Equity Analytics
Director - Equity Analytics

notme wrote:people talk much on FD in the forum .is it a really attractive at this rates?

http://forum.srilankaequity.com/t17410-fd-is-a-better-option

The Alchemist


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

It depends on the following factors
1. Your station in life - do you have regular income to manage your monthly expenditure and generate savings or do you need to supplement your monthly income from FD Interest or Stock dividends / future capital gains ? If you dont need regular monthly income to supplement your core income and you can generate savings, then your better off investing in fundamentally strong blue chip companies for the medium term. The P/E you should pay is the inverse of the interest rate you are getting. i.e. If you are getting 10 %, you can pay upto 10 times earnings, 20 % pay only 5 times earnings, 15 % you can pay 7-8 times earnings. Also remember the higher the interest rate you are getting, the bigger the risk you are taking with that institution. remember Golden Key ! the higher the rate they are willing to pay you, the more desperate they are for your deposits, and thats not neccesarily a good thing.

2. How Inflation is effecting you - If you are living in a modest house in Tissa or Polonnaruwa, eating Pathola, Bathala and Pol sambol, shop at the Pola and ride a bicycle, perhaps inflation is not hitting you badly and you will fair well with an FD. However, if you live in a city like Colombo, have a car, kids to private schools (foreign education in $, shop at Supermarkets, have airconditioning, Inflation is currently knocking the stuffing out of your Purchasing Power. Your Real Return from an FD is actually negative. You are then better off with Equity and Real Estate Investments which hedge you against Inflation. Even companies you invest in the stock market have Real Assets like Property and Plant which will rise in value in a Inflationary environment like now warranting such higher interest rates.

illuminati


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

The Alchemist wrote:It depends on the following factors
1. Your station in life - do you have regular income to manage your monthly expenditure and generate savings or do you need to supplement your monthly income from FD Interest or Stock dividends / future capital gains ? If you dont need regular monthly income to supplement your core income and you can generate savings, then your better off investing in fundamentally strong blue chip companies for the medium term. The P/E you should pay is the inverse of the interest rate you are getting. i.e. If you are getting 10 %, you can pay upto 10 times earnings, 20 % pay only 5 times earnings, 15 % you can pay 7-8 times earnings. Also remember the higher the interest rate you are getting, the bigger the risk you are taking with that institution. remember Golden Key ! the higher the rate they are willing to pay you, the more desperate they are for your deposits, and thats not neccesarily a good thing.

2. How Inflation is effecting you - If you are living in a modest house in Tissa or Polonnaruwa, eating Pathola, Bathala and Pol sambol, shop at the Pola and ride a bicycle, perhaps inflation is not hitting you badly and you will fair well with an FD. However, if you live in a city like Colombo, have a car, kids to private schools (foreign education in $, shop at Supermarkets, have airconditioning, Inflation is currently knocking the stuffing out of your Purchasing Power. Your Real Return from an FD is actually negative. You are then better off with Equity and Real Estate Investments which hedge you against Inflation. Even companies you invest in the stock market have Real Assets like Property and Plant which will rise in value in a Inflationary environment like now warranting such higher interest rates.

Inflation plus a loss of over 50% in your portfolio is a knock below the belt in hard times. So be careful in throwing your money in to the SCAM exchange.

Rajaraam


Vice President - Equity Analytics
Vice President - Equity Analytics

The Alchemist wrote:It depends on the following factors
1. Your station in life - do you have regular income to manage your monthly expenditure and generate savings or do you need to supplement your monthly income from FD Interest or Stock dividends / future capital gains ? If you dont need regular monthly income to supplement your core income and you can generate savings, then your better off investing in fundamentally strong blue chip companies for the medium term. The P/E you should pay is the inverse of the interest rate you are getting. i.e. If you are getting 10 %, you can pay upto 10 times earnings, 20 % pay only 5 times earnings, 15 % you can pay 7-8 times earnings. Also remember the higher the interest rate you are getting, the bigger the risk you are taking with that institution. remember Golden Key ! the higher the rate they are willing to pay you, the more desperate they are for your deposits, and thats not neccesarily a good thing.

2. How Inflation is effecting you - If you are living in a modest house in Tissa or Polonnaruwa, eating Pathola, Bathala and Pol sambol, shop at the Pola and ride a bicycle, perhaps inflation is not hitting you badly and you will fair well with an FD. However, if you live in a city like Colombo, have a car, kids to private schools (foreign education in $, shop at Supermarkets, have airconditioning, Inflation is currently knocking the stuffing out of your Purchasing Power. Your Real Return from an FD is actually negative. You are then better off with Equity and Real Estate Investments which hedge you against Inflation. Even companies you invest in the stock market have Real Assets like Property and Plant which will rise in value in a Inflationary environment like now warranting such higher interest rates.
s

Very interesting. As you say higher the interest rate offered by an institution the risk is also higher. Good time to remind ppl about some sad stories.
Your view on Inflation is also correct. Inflation is more effective for the ppl living in urban areas and villagers are not that much effected. So village ppl are happy with current trend of increasing interest rates.

6Is  FD interest rates really attractive  ? is it a  better  alternative  to follow? Empty Slowing down is need of the moment. Sat Apr 21, 2012 11:12 pm

shaankh

shaankh
Manager - Equity Analytics
Manager - Equity Analytics

The Alchemist wrote:It depends on the following factors
1. Your station in life - do you have regular income to manage your monthly expenditure and generate savings or do you need to supplement your monthly income from FD Interest or Stock dividends / future capital gains ? If you dont need regular monthly income to supplement your core income and you can generate savings, then your better off investing in fundamentally strong blue chip companies for the medium term. The P/E you should pay is the inverse of the interest rate you are getting. i.e. If you are getting 10 %, you can pay upto 10 times earnings, 20 % pay only 5 times earnings, 15 % you can pay 7-8 times earnings. Also remember the higher the interest rate you are getting, the bigger the risk you are taking with that institution. remember Golden Key ! the higher the rate they are willing to pay you, the more desperate they are for your deposits, and thats not neccesarily a good thing.

2. How Inflation is effecting you - If you are living in a modest house in Tissa or Polonnaruwa, eating Pathola, Bathala and Pol sambol, shop at the Pola and ride a bicycle, perhaps inflation is not hitting you badly and you will fair well with an FD. However, if you live in a city like Colombo, have a car, kids to private schools (foreign education in $, shop at Supermarkets, have airconditioning, Inflation is currently knocking the stuffing out of your Purchasing Power. Your Real Return from an FD is actually negative. You are then better off with Equity and Real Estate Investments which hedge you against Inflation. Even companies you invest in the stock market have Real Assets like Property and Plant which will rise in value in a Inflationary environment like now warranting such higher interest rates.

FD will give a 12.5% definit return and it is safe. Share market will give a rare chance of 20% with grater risk. You may loose your capital as well in most of the instance.
Reasons are
1. Our market is with relatively high PE
2. Rupee depreciation will further increase inflation (Less money will be available for investing).
3. Manipulators are being promoted again
4. More importantly you need to spent time for some time for nothing.

Best optin is FD next is starting your own business.
3.
3.



Dileepa


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

notme wrote:people talk much on FD in the forum .is it a really attractive at this rates?
Don't forget about the concept of interest.
You are receiving an interest for FD, because currency value is depreciating.
In actual value terms your initial deposit may not be increasing although you see an increase in number.
The value of Rs. 100/= you had in Jan is about Rs.87/= now.
If you had put that 100 in a 13% 3 months FD, now you are having Rs.113/=.
But the currency have depreciated by time and that 113 have same value as 100 you had in Jan.
# You have not gained any thing from FD
Points to note : from a 13% interest you receive, you have to pay 1% government tax if your income is not tax exempted.
Think twice before investing in a FD. FDs are more used for parking temporary cash before investing them for long term.
There are companies which pay 5% dividend yield. So your opportunity cost is just 7% (13-1-5) interest gain.
For me stock investment is a risk and I'm willing to take that 7% risk.


manula


Vice President - Equity Analytics
Vice President - Equity Analytics

Dileepa wrote:
notme wrote:people talk much on FD in the forum .is it a really attractive at this rates?
Don't forget about the concept of interest.
You are receiving an interest for FD, because currency value is depreciating.
In actual value terms your initial deposit may not be increasing although you see an increase in number.
The value of Rs. 100/= you had in Jan is about Rs.87/= now.
If you had put that 100 in a 13% 3 months FD, now you are having Rs.113/=.
But the currency have depreciated by time and that 113 have same value as 100 you had in Jan.
# You have not gained any thing from FD
Points to note : from a 13% interest you receive, you have to pay 1% government tax if your income is not tax exempted.
Think twice before investing in a FD. FDs are more used for parking temporary cash before investing them for long term.
There are companies which pay 5% dividend yield. So your opportunity cost is just 7% (13-1-5) interest gain.
For me stock investment is a risk and I'm willing to take that 7% risk.


@Dileepa... but note that if you invest in the market to get a good gain have to wait for some years.. Same thing that regarding FD that you mention can be applied for Share valvue also . Rs 100 you hlod can be not 87 after 5 Y can be 37... same time you are taking the maximum risk factor also ... but as you know with out taking any risk you cant gain any thing... As what i seen these days according the market I feel 50% better for FD(any nvestment) and other 50% share market

The Alchemist


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

It is very difficult to time the market in a consistent manner over the long term. This is due to Fear and Greed. When sentiment is low and conditions are bearish and prices are comming down, we will be overcome by Fear and sell at low prices. When the market turns and prices are going up Greed will overcome us and we will buy at high prices. I think the problem with the Colombo market is two fold, Firstly a lot of investors (especially the retailers and speculators ) got into the market in 2010/2011 at high prices (high p/e’s), and have got caught with their pants down. Due to leverage, margin and trading in speculative shares at unrealistic prices, they are stuck or wiped out. Secondly, the macro-economic & socio-political situ started changing from mid-2011. Expropriation Bill, sudden budget devaluation, free float of rupee, rising interest rates, Geneva resolution , rising oil prices and resultant cost push inflation etc . This has obviously further dampened the spirit of the market. Nevertheless, instead of focusing on the timing of the market, we should focus on value of companies. The silver lining on the cloud is that some good stocks are cheap. We see good to great bluish chips at 5-10 times earnings. Some will argue that due to macro economic conditions prevailing, earnings will be weak looking forward, and thus current earnings multiples will deteriorate. i.e. stock trading at 6 times now will become 8-9 times in the future. It is our job to identify companies that will be relatively unaffected by current macro issues. Export oriented companies, service oriented companies, low debt companies, low p/e multiple companies, companies having subsidiaries overseas which are not affected by local macros issues but beaten down by sentiment and trading at low p/e etc.

If we have cash and on the sidelines or we sell now, opportunity cost is for eg an FD but problem with this is the real return due to soaring inflation is low. Then when its time convert to equities in the future, we may miss the bus due to fear or jump in and buy at high prices due to greed. If on the other hand, you can identify low P/E, fundamentally sound, Bluish chips trading at say 6-10 times earnings, relatively unaffected by local macro issues, it means that that companies earnings are also growing at 10-15 % per annum. Rule of thumb – if you divide 100 by the FD interest rate, you get the P/E multiple where companies earnings grow at same rate as FD. If the company is trading below its intrinsic revalued book value, even better as you have a margin of safety and it hedges you against inflation. (I am not considering the risk premium to uncomplicated matters). So if you get 15 % FD rate, you should be indifferent in theory to invest in a company trading at 7 times earnings. If its trading below book value you hedge yourself against inflation which the FD cannot.

Redbulls

Redbulls
Director - Equity Analytics
Director - Equity Analytics

The Alchemist wrote:It is very difficult to time the market in a consistent manner over the long term. This is due to Fear and Greed. When sentiment is low and conditions are bearish and prices are comming down, we will be overcome by Fear and sell at low prices. When the market turns and prices are going up Greed will overcome us and we will buy at high prices. I think the problem with the Colombo market is two fold, Firstly a lot of investors (especially the retailers and speculators ) got into the market in 2010/2011 at high prices (high p/e’s), and have got caught with their pants down. Due to leverage, margin and trading in speculative shares at unrealistic prices, they are stuck or wiped out. Secondly, the macro-economic & socio-political situ started changing from mid-2011. Expropriation Bill, sudden budget devaluation, free float of rupee, rising interest rates, Geneva resolution , rising oil prices and resultant cost push inflation etc . This has obviously further dampened the spirit of the market. Nevertheless, instead of focusing on the timing of the market, we should focus on value of companies. The silver lining on the cloud is that some good stocks are cheap. We see good to great bluish chips at 5-10 times earnings. Some will argue that due to macro economic conditions prevailing, earnings will be weak looking forward, and thus current earnings multiples will deteriorate. i.e. stock trading at 6 times now will become 8-9 times in the future. It is our job to identify companies that will be relatively unaffected by current macro issues. Export oriented companies, service oriented companies, low debt companies, low p/e multiple companies, companies having subsidiaries overseas which are not affected by local macros issues but beaten down by sentiment and trading at low p/e etc.

If we have cash and on the sidelines or we sell now, opportunity cost is for eg an FD but problem with this is the real return due to soaring inflation is low. Then when its time convert to equities in the future, we may miss the bus due to fear or jump in and buy at high prices due to greed. If on the other hand, you can identify low P/E, fundamentally sound, Bluish chips trading at say 6-10 times earnings, relatively unaffected by local macro issues, it means that that companies earnings are also growing at 10-15 % per annum. Rule of thumb – if you divide 100 by the FD interest rate, you get the P/E multiple where companies earnings grow at same rate as FD. If the company is trading below its intrinsic revalued book value, even better as you have a margin of safety and it hedges you against inflation. (I am not considering the risk premium to uncomplicated matters). So if you get 15 % FD rate, you should be indifferent in theory to invest in a company trading at 7 times earnings. If its trading below book value you hedge yourself against inflation which the FD cannot.

Yes you are correct.
Appetite of risk taking is play major role in coming days,month even years.

illuminati


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

There is a big difference between taking a calculated risk and being foolish. Sad to say 99% of retailers at the SCAM exchange are fools of the highest caliber.

shaankh

shaankh
Manager - Equity Analytics
Manager - Equity Analytics

illuminati wrote:There is a big difference between taking a calculated risk and being foolish. Sad to say 99% of retailers at the SCAM exchange are fools of the highest caliber.

We need to follow the need of the moment rather than isolated case histories of gaining in exchange. At the moment economical back ground in the country is not promoting to invest in stocks rather save your money in bank.
Difficult time is ahead and need to be prepaired for that.
This does not mean trading in exchange will not help but should be in small quantities.

Redbulls

Redbulls
Director - Equity Analytics
Director - Equity Analytics

illuminati wrote:There is a big difference between taking a calculated risk and being foolish. Sad to say 99% of retailers at the SCAM exchange are fools of the highest caliber.
OK if we agree with your comment what are the alternative investment we can look for?
Could you please give us some info?

shaankh

shaankh
Manager - Equity Analytics
Manager - Equity Analytics

Redbulls wrote:
illuminati wrote:There is a big difference between taking a calculated risk and being foolish. Sad to say 99% of retailers at the SCAM exchange are fools of the highest caliber.
OK if we agree with your comment what are the alternative investment we can look for?
Could you please give us some info?

stock market is only a one way of earning money. It is not reliable. If it gives money it is a bonus.
Other ways are more reliable and dependable
1.from your job/Profesion
2.FD
3.Property- rent
4.Gold
5. Starting your own business

Redbulls

Redbulls
Director - Equity Analytics
Director - Equity Analytics

shaankh wrote:
Redbulls wrote:
illuminati wrote:There is a big difference between taking a calculated risk and being foolish. Sad to say 99% of retailers at the SCAM exchange are fools of the highest caliber.
OK if we agree with your comment what are the alternative investment we can look for?
Could you please give us some info?

stock market is only a one way of earning money. It is not reliable. If it gives money it is a bonus.
Other ways are more reliable and dependable
1.from your job/Profesion
2.FD
3.Property- rent
4.Gold
5. Starting your own business

Thanks for your kind comment.
Still waiting from my friend to add more things.

dindon1

dindon1
Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

shaankh wrote:
illuminati wrote:There is a big difference between taking a calculated risk and being foolish. Sad to say 99% of retailers at the SCAM exchange are fools of the highest caliber.

We need to follow the need of the moment rather than isolated case histories of gaining in exchange. At the moment economical back ground in the country is not promoting to invest in stocks rather save your money in bank.
Difficult time is ahead and need to be prepaired for that.
This does not mean trading in exchange will not help but should be in small quantities.

As I see our market is more speculation driven rather TA driven one.,So it is hard to predict what will happen in the future.,I guess foreign investment inflow,involvement by funds like EPF,exchange rates and interest rates can do big impact in the near future.,Also the fact that the present governments too late approach of fiscal and monetary policy implementation has done immense harm already and will not rule out the future risk.,
Having said that by nature I am also reluctant to accept that market will drastically go down.,There are negatives and positives too.,Definitely there will be pockets of opportunities for some.,every one want to be one of them and that's the human nature.,isn't it??

sajcolombo


Equity Analytic
Equity Analytic

Hi All,

Interesting topic.

i have an idea to invest in a land in remote area and set up a mahogany plantation.

Appreciates if anyone could let me know what are the challengers and how and where could i get the relevant info which related to the above.

Also appreciates your advice if anyone have any practical experience in mahogany/teak plantation......

Your valuable views/advice always welcome.

Thanks.......

manula


Vice President - Equity Analytics
Vice President - Equity Analytics

sajcolombo wrote:Hi All,

Interesting topic.

i have an idea to invest in a land in remote area and set up a mahogany plantation.

Appreciates if anyone could let me know what are the challengers and how and where could i get the relevant info which related to the above.

Also appreciates your advice if anyone have any practical experience in mahogany/teak plantation......

Your valuable views/advice always welcome.

Thanks.......

These also good idea and surely you can get calculated gain after 15Y.. only thing you have to monitor the trees like three years till they get little big. Due to i am working overseas struggling to find a good person/land to start the same thing... same time can think about cocoonut plantation also..for the fence you can cultivate mahogany or teak...lot of opportunites ...different ways...

shaankh

shaankh
Manager - Equity Analytics
Manager - Equity Analytics

manula wrote:
sajcolombo wrote:Hi All,

Interesting topic.

i have an idea to invest in a land in remote area and set up a mahogany plantation.

Appreciates if anyone could let me know what are the challengers and how and where could i get the relevant info which related to the above.

Also appreciates your advice if anyone have any practical experience in mahogany/teak plantation......

Your valuable views/advice always welcome.

Thanks.......

These also good idea and surely you can get calculated gain after 15Y.. only thing you have to monitor the trees like three years till they get little big. Due to i am working overseas struggling to find a good person/land to start the same thing... same time can think about cocoonut plantation also..for the fence you can cultivate mahogany or teak...lot of opportunites ...different ways...

This is a good idea. Enviromental friendly and will get a good return. Risk involved are lands in rural areas may be encroched by local poeple under the influence of politician. Ultimately has to spent time in cort. Until government implement strict law and order your investment could go anywhere.

Dileepa


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics

There is nothing wrong having a FD and some disposable assets.
But one should seriously consider about the timing if you are going to exit the market.
If you are going to exit now, why did you came to market at the first place. You should have exited before Feb 2011.
One may say interest rates are going up and market is going down.
But you should not that interest rates go up when the market reach the bottom.
If you want to buy low and sell high, then this is the time to buy.
I've been collecting some counters during past couple of months.
Many people haven't noticed that, it is very difficult to collect most of the counters without pushing the price up.
Name a single share you can invest 10 million without pushing the price up by 5%.

I have noticed that there are some forum members who promote the idea of exiting the market at this point.
And it is to my surprise that many members say TA&FA is useless.
There is nothing wrong with the analysis, but the problem is with the investors.
Analysis shows the the valuation and growth potential of a company. It does not represent the future share value.
It is the sentiments of investors which decide the share price.
In fact it is worth to pay for a good analysis to evaluate the company you are interested.
One should note that generally published analysis reports tell a different story than a private analysis report.
90% of SL investors have less than 1 million portfolio. Only 1% have over 10 million portfolio.
And 99% of that 1% do all possible analysis including TA, FA, Machine Learning, Neural Network, AI (and what ever you name it).
As always, poor man do not have access to any of these and most of they get lost.
Mind you information worth a lot if less people knows about it.

It is the individual responsibility to protect your investment.
Your decisions should be based on your research work. Not on a forum post by a fancy named anonymous person.
If you can not do a TA/FA then derive yours own methodology or pay for a good analysis.
I'm an engineer and I do not have any financial background(and I hate to go thorough TA/FA). But we have derived our own methods over the years.
If you are going to survive in CSE or any other market you should be learning to make your own decision.
Don't listen to anybody's argument unless you can not verify it by your trusted method.

Remember rates went high because government want to protect foreign reserves.
They had 8 billion and it wend down to 5 billion. Now it is increasing and close to 6 billion.
Soon it will reach the previous level and rates will go down again. (that is what my NN says)
May be EPF is holding the cash they generated from JKH sale to invest after your exit.

On a foot note if somebody gets the wrong idea,
Yes, one must have a FD, but that is for an emergency. What if you get a heart disease tomorrow?
One must have a disposable asset(the house you live is not a disposable asset).
But neither will justify exiting the market at this moment.
The person who advice you to exit the market might be entering at this very moment.

PS: There is a very simple way to monitor major fund movements in the island. I'll let for you to guess it.



Last edited by Dileepa on Mon Apr 23, 2012 7:02 pm; edited 1 time in total (Reason for editing : spelling)

Redbulls

Redbulls
Director - Equity Analytics
Director - Equity Analytics

Dileepa wrote:There is nothing wrong having a FD and some disposable assets.
But one should seriously consider about the timing if you are going to exit the market.
If you are going to exit now, why did you came to market at the first place. You should have exited before Feb 2011.
One may say interest rates are going up and market is going down.
But you should not that interest rates go up when the market reach the bottom.
If you want to buy low and sell high, then this is the time to buy.
I've been collecting some counters during past couple of months.
Many people haven't noticed that, it is very difficult to collect most of the counters without pushing the price up.
Name a single share you can invest 10 million without pushing the price up by 5%.

I have noticed that there are some forum members who promote the idea of exiting the market at this point.
And it is to my surprise that many members say TA&FA is useless.
There is nothing wrong with the analysis, but the problem is with the investors.
Analysis shows the the valuation and growth potential of a company. It does not represent the future share value.
It is the sentiments of investors which decide the share price.
In fact it is worth to pay for a good analysis to evaluate the company you are interested.
One should note that generally published analysis reports tell a different story than a private analysis report.
90% of SL investors have less than 1 million portfolio. Only 1% have over 10 million portfolio.
And 99% of that 1% do all possible analysis including TA, FA, Machine Learning, Neural Network, AI (and what ever you name it).
As always, poor man do not have access to any of these and most of they get lost.
Mind you information worth a lot if less people knows about it.

It is the individual responsibility to protect your investment.
Your decisions should be based on your research work. Not on a forum post by a fancy named anonymous person.
If you can not do a TA/FA then derive yours own methodology or pay for a good analysis.
I'm an engineer and I do not have any financial background(and I hate to go thorough TA/FA). But we have derived our own methods over the years.
If you are going to survive in CSE or any other market you should be learning to make your own decision.
Don't listen to anybody's argument unless you can not verify it by your trusted method.

Remember rates went high because government want to protect foreign reserves.
They had 8 billion and it wend down to 5 billion. Now it is increasing and close to 6 billion.
Soon it will reach the previous level and rates will go down again. (that is what my NN says)
May be EPF is holding the cash they generated from JKH sale to invest after your exit.

On a foot note if somebody gets the wrong idea,
Yes, one must have a FD, but that is for an emergency. What if you get a heart disease tomorrow?
One must have a disposable asset(the house you live is not a disposable asset).
But neither will justify exiting the market at this moment.
The person who advice you to exit the market might be entering at this very moment.

PS: There is a very simple way to monitor major fund movements in the island. I'll let for you to guess it.

Thanks for your valuable thoughts.

econ

econ
Global Moderator

it is always better diversify your investments.. FDs, real estates, stocks etc..

shaankh

shaankh
Manager - Equity Analytics
Manager - Equity Analytics

econ wrote:it is always better diversify your investments.. FDs, real estates, stocks etc..

% of investment only could vary according to the excisting economical condition.

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