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FINANCIAL CHRONICLE™ » FINANCIAL CHRONICLE™ » Invest personal loan - 1mn @ 10%

Invest personal loan - 1mn @ 10%

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1Invest personal loan - 1mn @ 10% Empty Invest personal loan - 1mn @ 10% Thu Sep 10, 2015 1:43 am

nnk


Equity Analytic
Equity Analytic
Hi Friends, 

Presently i have around 400k portfolio and have investments in several companies. 

NTB offered me a loan  10% for 5 years.

What is your advice? If I can carefully manage then I should be able to get more than 10% return from stock market. But if goes wrong, I would be in trouble. 

Please share your thoughts. 

Thanks

2Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Thu Sep 10, 2015 2:03 am

Teller

Teller
Moderator
Moderator
Taking loans and going for investments is not advisable. But its depend your knowledge and luck.


_________________




Teller said is said..

3Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Thu Sep 10, 2015 8:32 am

EPS

EPS
Expert
Expert
Below List of shares will give you at least 50% return with in 06 months. Some of seems 100% return.

LFIN - 50%
SDB - 30%
GRAN - 100%
BFL - 75% OR 100%
TAFL - 75% OR 100%

4Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Thu Sep 10, 2015 12:35 pm

EquityChamp

EquityChamp
Moderator
Moderator
5 year period covers a cycle in stock market. ie up trend followed by down trend or otherwise. If you look at CSE it has witnessed a huge uptrend in 2008-2011 and since then up to now witnessing down trend. Given that what is to follow is another uptrend probably from 2016 - 2019 period. Usually market will generate 20-25% return annually which means 100 rupee investment now will double by 2019. If you can select proper stocks whose beta is greater than 1 chances of getting more than double of your investment is very high.

5Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Thu Sep 10, 2015 3:40 pm

Sunnyside


Senior Equity Analytic
Senior Equity Analytic
@nnk It depends on your risk appetite and how focused you are. I recently got a loan at a similar rate and invested 80% whilst i kept 20% as a buffer. 

SLEF provides insights on stocks to invest, but dont blindly follow people saying "buy buy buy". find a reason to buy other than them stating buy (study the stock), and have an exit price in mind before you buy then you know what kind of return you are expecting. Dont expect overnight returns.

I would say if you are investing 1.m and expect to have a 25% gain end of year. list down 10 stocks you find interesting and fit them in to your return plan and see which stock would provide the most stable and guaranteed return and then invest. Working backwards help, anything more than 25% is a bonus for you work Smile 

Worked for me so far.

Also something that i fall trap to is the exit price, respect it. there was a reason it was your exit price, dont get too greedy! JKH w22. got in at 18, exited at 29 when many said it will go 35+ and 40.

6Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Thu Sep 10, 2015 4:16 pm

anjelo

anjelo
Senior Vice President - Equity Analytics
Senior Vice President - Equity Analytics
@EquityChamp wrote:5 year period covers a cycle in stock market. ie up trend followed by down trend or otherwise. If you look at CSE it has witnessed a huge uptrend in 2008-2011 and since then up to now witnessing down trend. Given that what is to follow is another uptrend probably from 2016 - 2019 period. Usually market will generate 20-25% return annually which means 100 rupee investment now will double by 2019. If you can select proper stocks whose beta is greater than 1 chances of getting more than double of your investment is very high.

I don't see you often, but I think you have lot to share... quality stuff...

7Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Thu Sep 10, 2015 8:15 pm

Sunnyside


Senior Equity Analytic
Senior Equity Analytic
@anjelo wrote:
@EquityChamp wrote:5 year period covers a cycle in stock market. ie up trend followed by down trend or otherwise. If you look at CSE it has witnessed a huge uptrend in 2008-2011 and since then up to now witnessing down trend. Given that what is to follow is another uptrend probably from 2016 - 2019 period. Usually market will generate 20-25% return annually which means 100 rupee investment now will double by 2019. If you can select proper stocks whose beta is greater than 1 chances of getting more than double of your investment is very high.

I don't see you often, but I think you have lot to share... quality stuff...

True that

8Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Fri Sep 11, 2015 8:33 pm

nnk


Equity Analytic
Equity Analytic
@EquityChamp wrote:5 year period covers a cycle in stock market. ie up trend followed by down trend or otherwise. If you look at CSE it has witnessed a huge uptrend in 2008-2011 and since then up to now witnessing down trend. Given that what is to follow is another uptrend probably from 2016 - 2019 period. Usually market will generate 20-25% return annually which means 100 rupee investment now will double by 2019. If you can select proper stocks whose beta is greater than 1 chances of getting more than double of your investment is very high.

Thanks for the advice Equitychamp.

9Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Fri Sep 11, 2015 8:37 pm

nnk


Equity Analytic
Equity Analytic
@Sunnyside wrote:@nnk It depends on your risk appetite and how focused you are. I recently got a loan at a similar rate and invested 80% whilst i kept 20% as a buffer. 

SLEF provides insights on stocks to invest, but dont blindly follow people saying "buy buy buy". find a reason to buy other than them stating buy (study the stock), and have an exit price in mind before you buy then you know what kind of return you are expecting. Dont expect overnight returns.

I would say if you are investing 1.m and expect to have a 25% gain end of year. list down 10 stocks you find interesting and fit them in to your return plan and see which stock would provide the most stable and guaranteed return and then invest. Working backwards help, anything more than 25% is a bonus for you work Smile 

Worked for me so far.

Also something that i fall trap to is the exit price, respect it. there was a reason it was your exit price, dont get too greedy! JKH w22. got in at 18, exited at 29 when many said it will go 35+ and 40.


Thanks. One of my weakness is investing many more stocks even presently. My focus has lost due to that and I can not decide what to buy and sell sometimes. So, I should clear my present portfolio first. 

Thanks lot for the valuable advice.

10Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Sat Sep 12, 2015 12:50 am

nis2010


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics
@nnk wrote:



Thanks. One of my weakness is investing many more stocks even presently. My focus has lost due to that and I can not decide what to buy and sell sometimes. So, I should clear my present portfolio first. 

Thanks lot for the valuable advice.
just try  keep 2-3 stocks , i have bad experience about having big portfolio. having dozens stocks you can't determine real profit in certain period.   now i maintain just AAIC LFIN CIND TAFL TJL.. good luck.

11Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Sun Sep 13, 2015 11:51 am

slequityanalyst


Manager - Equity Analytics
Manager - Equity Analytics
There is enough advice on the market. 

But, on an absolute basis, if you can borrow now at 10% FIXED for 5 years. That is attractive. Specially given the current upward push on the interest rates.

12Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Sun Sep 13, 2015 7:23 pm

sisira.wijeweera


Assistant Vice President - Equity Analytics
Assistant Vice President - Equity Analytics
@EPS wrote:Below List of shares will give you at least 50% return with in 06 months. Some of seems 100% return.

LFIN - 50%
SDB - 30%
GRAN - 100%
BFL - 75% OR 100%
TAFL - 75% OR 100%
Also +

Gsf-100-150% -withing 2 month

13Invest personal loan - 1mn @ 10% Empty Re: Invest personal loan - 1mn @ 10% Sun Sep 13, 2015 10:44 pm

piras

piras
Assistant Vice President - Equity Analytics
Assistant Vice President - Equity Analytics
PLC
TJL
VONE
SAMP

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