Investment FAQs with Parimal Ade (Investment Satsang-09)

• Both stocks witnessed a good rally.
• A staggering way of allocation can be done. Lumpsum Investment should be avoided.
• There will be few quarters that will disappoint because of the second wave of Covid-19. There are threats of the 3 wave is also which can have a local lockdown. This might affect the collections. Hence there could be some pressure around.
• Both these have good earning potentials, growth earning potentials, earning visibility is looking good for both the companies.

• Both the companies are looking good for this tenure.
• The Banking Institutions also tried to enter into this segment but failed and are not focusing on gold loans.
• Both these companies will be having good long-term growth stories.

• The benefit of the doubt should be given to this stock because of V. Vaidhyanathan.
• The positive news here for the company is that Board has approved 3 years of extension.
• There is a possibility that RBI will also approve the extension.
• The focus on the retail side is phenomenal.
• In the coming days, things will be much better, though legacy loans are still there.
• Next, 2 quarters are going to be tricky.

• The Best Time to Start SIP is the next minute (immediately).
• For the mentioned ETF, one needs to look at the expense ratio, it should have large volumes.
• SBI ETF and UTI ETF are some ETFs with good volumes.

• They are taking some extra allocation 90days as per Sebi regulations.
• It is nothing to worry about.
• If the debt fund is promoter by a big bank, it is always safer to park that money

• It depends on the expectations, what kind of analyst you are selecting.
• The alpha generation will not be more it could max 2% to 3% over the longer horizon.
• It is always advised the strategy selected should be followed with discipline. We should not keep changing.

• It may test the patience of some time.
• There will be a listing of Zomato very soon hence the interest has started growing.
• If you are an aggressive equity investor, you want to invest in a startup then this is the right pick.

• Normally markets come up with cycles involving ups and downs.
• When the base effect gets larger than next year there is a possibility of getting sluggish. This is how the system works.
• Growth is happening and demand is increasing. When demand increases inflation will increase.
• Inflation growth is not good for the economy.
• To lower down inflation and reduce the demand, RBI or the central banks of the economy increases the interest rates.
• As the interest rates increase the demand decreases. Then there is the cascading impact of all the sectors. This is typically cyclical.

• Companies like V-Guard, Havells, etc. are good companies.
• It is all about the consumption story. Naturally, it will grow 10% to 12%.
• If the company outperforms there, then the growth could be good.

• It is all about discipline management.
• Sometimes they will win. Sometimes they will lose.
• Normally, They might be in the top quartile over the longer horizon.

• If we see the sugar sector there is momentum due to ethanol services.
• Too much political involvement in this sector can be a matter of concern.
• Even though demand is good but agenda is decided politically.
• Hence not positive about it.

• ETF is not one thing where candles need to be watched. As there are no volumes hence it will not support.
• ETF is not having demand and supplies so watching the candles might go wrong for this sector.

• Very positive on this business.
• The market has also discounted itself.
• Earning and growth visibility looks good. Currently, there is no problem.

• It is not comfortable by the cyclicality showed.
• Even corporate governance issue was reported.
• This sector looks uncertain. Hence it is better to avoid.

• Bajaj Finance is having a customer count of 4 Cr.
• 60% – 70% of the business comes from cross-selling.
• Hence we cannot ignore this company. They are having a very good business model.
• There is a chance of having good growth opportunities.

• Both are looking for good funds.
• The track record of the axis is not that great as compared to Mirae.
• Allocation can be made on both the funds.

• Too many problems related to corporate governance and management issue.
• Challenges of electric vehicle ecosystem.
• The replacement demand is the only demand they will be catering to.
• It is risky from a growth point of view.

• It’s a good fund.
• If the horizon is 10 years from the invested then it will be good.
• Fund Managers are managing the fund very well.

• It is not possible tapering will take the market down by 30% to 40%.
• Tapering will happen by Federal Reserve United States when it feels that economy is back on track.
• The money that was distributed will be taken back then.
• This means it is not a negative which will bring down the market by 30% to 40%.
• The economy will do well, companies will do well, earnings will come up.