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FINANCIAL CHRONICLE™ » FINANCIAL CHRONICLE™ » FD or CSE ?

FD or CSE ?

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1FD or CSE ? Empty FD or CSE ? Wed Oct 10, 2012 10:48 pm

opfdo

opfdo
Vice President - Equity Analytics
Vice President - Equity Analytics
There were many postings regarding this two investment option here in the past few months,
what do you think ? Many will say FD is better than CSE,

But my choice is CSE, you know why ??

Lets take an example,

A person called "A" is having LKR 1.0mn & he is planing to put it on 1 year FD @ 15% per annum. There are many finance companies which are paying more than 15% but he choose a bank considering risk factor. After one year he will earn,

as interest------------150,000/- (1,000,000*15%)

Let say he choose 1 month FD on monthly reneval basis @ 15% (normally 1 month FD rates less than that), he will earn,

as interest------------160,754/-

But if he invest in CSE,

He choosed
share "---H" & bought 175000@2.80= 495,488/- (including 1.120%)
share "--L" & bought 5000@98= 495,488/- (including 1.120%)

He is keeping share "---H" as short term & sold @ 3.10 after three months, his capital gain 40,936/-
Share "--L" he kept as meduim term & sold @ 150/- after one year, his capital gain 287,048/-

Totla will be 287,048/-. It may be more than that because he sold share "---H" after three months, therefore he has chance to buy another.

From FD--------150,000/- (15%)
From CSE-------287,048/- (29%)

what is your choice............

This is just a example........







2FD or CSE ? Empty Re: FD or CSE ? Wed Oct 10, 2012 11:18 pm

zenobia


Manager - Equity Analytics
Manager - Equity Analytics
oh what a fairy tale! this will happen only if those shares really rise to those values in that time. who can guarentee that? especially in sri lankan stock market?
you will at least get the promised fixed depost interest in the allocated time. especially in sri lankan stock market with crooks running and doing everything the risk of loosing all your money is far far more higher than investing it in a fixed deposit.

3FD or CSE ? Empty Re: FD or CSE ? Wed Oct 10, 2012 11:20 pm

traderathome

traderathome
Senior Vice President - Equity Analytics
Senior Vice President - Equity Analytics
Thanks for sharing....

I invested some extra money with lolc islamic saving instruments...effective rate of return was 10.5.....when i got the profit share 3 months ago.they were invested on 6month terms, renewable .

At the same time i invested some money in cse and i made 3.5times higher than what i got from lolc.that is too after deducting the interest portion charged by my broker..... Very Happy

I am sure there are many other members would have made more than my ratio..... cheers

TAH

4FD or CSE ? Empty Re: FD or CSE ? Wed Oct 10, 2012 11:29 pm

traderathome

traderathome
Senior Vice President - Equity Analytics
Senior Vice President - Equity Analytics
But op, i think you should compare this with risk free instruments like government bonds..etc because the min risk factor and return is guaranteed.. then you will see the cse return factor much higher for the equal risk taken.

anyhow you have made your point clear..
TAH

5FD or CSE ? Empty Re: FD or CSE ? Wed Oct 10, 2012 11:31 pm

wgsaman

wgsaman
Senior Manager - Equity Analytics
Senior Manager - Equity Analytics
fd is the safer option than cse

6FD or CSE ? Empty Re: FD or CSE ? Wed Oct 10, 2012 11:58 pm

Rajitha

Rajitha
Assistant Vice President - Equity Analytics
Assistant Vice President - Equity Analytics
@traderathome wrote:But op, i think you should compare this with risk free instruments like government bonds..etc because the min risk factor and return is guaranteed.. then you will see the cse return factor much higher for the equal risk taken.

anyhow you have made your point clear..
TAH

You could have done what I do also. Keep cash on CSE and cash out when at peak and put in FDs. When you think bottomed out you can pull cash from FDs and buy again! I sold over 70% of my portfolio when ASI was over 5900 and put half of it in FDs. Keeping rest to buy in emergencies and great deals but not expecting much.

7FD or CSE ? Empty Re: FD or CSE ? Thu Oct 11, 2012 12:38 am

traderathome

traderathome
Senior Vice President - Equity Analytics
Senior Vice President - Equity Analytics
@Rajitha wrote:
@traderathome wrote:But op, i think you should compare this with risk free instruments like government bonds..etc because the min risk factor and return is guaranteed.. then you will see the cse return factor much higher for the equal risk taken.

anyhow you have made your point clear..
TAH

You could have done what I do also. Keep cash on CSE and cash out when at peak and put in FDs. When you think bottomed out you can pull cash from FDs and buy again! I sold over 70% of my portfolio when ASI was over 5900 and put half of it in FDs. Keeping rest to buy in emergencies and great deals but not expecting much.
Very Happy yes .....but i thought u sold all and waiting for market to get dirt cheap again Very Happy to maximise profit/bottom-line. cheers

Gud luck

TAH

8FD or CSE ? Empty Re: FD or CSE ? Thu Oct 11, 2012 6:14 am

opfdo

opfdo
Vice President - Equity Analytics
Vice President - Equity Analytics
It seems like fairy tale, but it is a reality. THA told his story. I also made this fairy tale to a reality. There are many good shares which can give u like that return.

Ex- if you bought free lanka at 1.40-2.00, even now you can sell it with good profit,

Like that there are many,
Do not expect to market go up like a rocket. Many are expecting that and when it is not going like that, they are so upset, posting like dead bodies.
But cse is a great oppertunity. When we comparing oue cse with other asian markets, our one is tiny stone amoung big rocks. there is a huge protential to grow it in the coming years.

Sometimes you have to wait may me one or two year, but I bet you, your return will be more than the interest rates.


@zenobia wrote:oh what a fairy tale! this will happen only if those shares really rise to those values in that time. who can guarentee that? especially in sri lankan stock market?
you will at least get the promised fixed depost interest in the allocated time. especially in sri lankan stock market with crooks running and doing everything the risk of loosing all your money is far far more higher than investing it in a fixed deposit.

9FD or CSE ? Empty Re: FD or CSE ? Thu Oct 11, 2012 6:36 am

opfdo

opfdo
Vice President - Equity Analytics
Vice President - Equity Analytics
Thanks Rajitha, there are valuable points to note.

@Rajitha wrote:
@traderathome wrote:But op, i think you should compare this with risk free instruments like government bonds..etc because the min risk factor and return is guaranteed.. then you will see the cse return factor much higher for the equal risk taken.

anyhow you have made your point clear..
TAH

You could have done what I do also. Keep cash on CSE and cash out when at peak and put in FDs. When you think bottomed out you can pull cash from FDs and buy again! I sold over 70% of my portfolio when ASI was over 5900 and put half of it in FDs. Keeping rest to buy in emergencies and great deals but not expecting much.

10FD or CSE ? Empty Re: FD or CSE ? Thu Oct 11, 2012 6:44 am

Basnayake

Basnayake
Manager - Equity Analytics
Manager - Equity Analytics
no one believe this market

11FD or CSE ? Empty Re: FD or CSE ? Thu Oct 11, 2012 7:35 am

opfdo

opfdo
Vice President - Equity Analytics
Vice President - Equity Analytics
Do nor believe the market or any thing in this world. Believe only God according to your relegion.
Bassa do not discourage man, develop your positive faith, not positive thinking. I hope you got my point. if you can just tell me why you so upset. Are u having huge loss with credit or stuck with craps ?.

Let me tell you my story,
I ate a huge loss from BRWN. Many members know that since I posted here, when leaving from the forum and cse. Because my frustration when it was going down. I lost my car because of cse. I critizised, sec and cse. But I realised it was my fault. I made up my mind and developed my trading skills, through lesson learned. I am still alive, no worries about my vitz, visualizing, I am driving a vitz again. And I will.
There are many ppl outside without having a one meal per day, water, cloths to wear. But we are blessed.
Therefore do not worry, cse is not our whole life. Act according to the situation.
You can bassa, yes you can.

@Basnayake wrote:no one believe this market

12FD or CSE ? Empty Re: FD or CSE ? Thu Oct 11, 2012 8:04 am

hunter

hunter
Moderator
Moderator
Usual rule of thumb is 'low risk low gain, high risk high gain'

Share market risk is supposed to be high so the gain also should be high in the long run..

There could unexpected happen anyway.
For example, if that finance company got broke, then whole FD will be lost.

13FD or CSE ? Empty Re: FD or CSE ? Thu Oct 11, 2012 10:07 am

speculater

speculater
Senior Equity Analytic
Senior Equity Analytic
Smart people get good gain most of the time..........It is a matter of analyzing before investing.....Know what ur doing...........

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