Since more data services will be used on phone so CDMA has a definite edge and there will be a kind of switch from GSM to CDMA also......

Dear Rdadhe, Yes PPF & PF r the only debt products which r tax free as per current Tax law. But once the new Direct Tax code `ll take place, the things `ll not remain same. Now to answer how much one should invest in these debt products & how much in Eq. the answer `ll depend upon several factors - 1. Age of investor 2. Risk appetite 3. current portfolio structure 4. Time remain to retirement 5. Financial liabilities 6. Over all time available for investment to grow To name a few. After identifying the above & some other factors an investor may decide her own split of Eq. & debt. Thanks Ashal ...

Yes, as dear Ashal pointed out, these are all debt like investments and should be clubbed together with other market linked debt instruments. Regards, Wadia...

Dear rdadhe, I appreciate your reply. But, buying 1 gram pure gold is possible? Though there are 1 gram stuff available, but then what about purity and making charges? Then, if you want to use them for remaking other ornaments, again you loose money. Am I right? Comment on this. Thanks...

Dear Rdadhe, PF, PPF & superannuation corpus along with ur normal FDs & debt funds all form the debt part of ur portfolio. Even one may consider the traditional life insurance policies under debt category. Yes ur observation is correct that in all the above investments the underlying assets are debt. Thanks Ashal...

rdadhe - Interesting developments in the case GOI inform HSC for the first time that it is ONLY HSC that can interpret the PSC and GOI`s sovreignity in sale and utilisation of gas. If HSC acknowledges GOI presence in this case on ANY ground then RNRL can LOSE this case. RIL CANNOT lose this case beyond HHC judgment. Market has factored in this case and at best there can be a kneejerk reaction. I don`t see how HSC can IMPROVE a case between two private parties and actually finalise an agreement between them. An agreement is between two parties however a third person cannot thrust just any clauses which don`t exist. Arbitration can help however arbitration is appealable only then can HSC give a finality to this matter. So I don`t understand why imagaination of some on this MMB are running RADICALLY wild. There are many legal persons on this MMB who are also investors and if there was any greater threat perceived then RIL would have been already trading at Rs 1500/-. Even if the case goes aginst RIL even then RIL valuation is much better than INFOSYS which is at greater risk in case US$ crashes! ...

money begets money...

Why should CDMA be better than GSM?
...

This will be a real test for this highly innovative industry. The companies will have to be really focussed on service quality and customer satisfaction. We may see many users switch.
India is going in the right direction. Customers will ensure that the weak companies are weeded out.
Regards...

Dear Ashal,

I was just wondering. It make a long term sense to max your PPF each year. Along with PF & Superannuation, it is the only tax free investment avaliable at the moment. (not sure for how long)

After this, normally working people find it very difficult to find large amount of cash to save in other avenues. Is it not therefore best to focus on a % split between Debt & Equity for your age and profile and then allocate the investible cash accordingly? Mostly, this will mean that major portion of your disposable income should go in equity related investments.
Regards...

Dear wadia,
Is it proper to consider your PF/PPF/Super-annuation as a debt investment along with FD`s & debt funds when you calculate the net portfolio exposure to debt? After all these increase at similar rates and their underlying assets are debt.
Regards
...

Hi,

My wife started investing in gold when my daughter was born. I could only buy 1 gm per month. We started with 1 gm per month of the gold wire rings every goldsmith sells as pure gold. As our buying power increased, we kept on buying more every month. Now for last few years we have found that there is a sort of Bhishi, where you give 11 cheques,one per month & the goldsmith will put the 12th installment. You buy gold at market rate from the shop. This gives about 8% rturn, higger than your FD`s and allows me to buy gold biscuit. I suggest you buy real gold instead of ETF`s & Gold funds. I prefer buying gold in 50 gm or higher size biscuits. These are guaranteed pure form and can be sold or used for ornaments later.
You can look at gold as a parallel investment, just like bonds or stocks. Steady and sure returns.
Regards...

bhusbhac,

I really do not care. Reliance is a very sucessful business. Worth investing at any time if your horizon is long. I will be very happy if the stock goes down. Can pick up a few more.

Regards...

Anil would like to buy gas cheap and sell power at market price to pocket a cool profit. He owns majority stock in the company that will benefit.
How much money is enough for this super rich man?
Regards...

bhusbhac,

I really do not care. Reliance is a very sucessful business. Worth investing at any time if your horizon is long. I will be very happy if the stock goes down. Can pick up a few more.

Regards...

Radhika,

Any extreme is harmful. Socialism is not as absolute as Communism. I would prefer a social democracy over a pure capitalistic society.
All businessmen need a thriving economy to make their millions. Paying taxes and adhering to good coporate governance will not come unless there is some control from the govt. Looking back on the US meltdown, it is very easy to agree.
Regards...

If you see last quarter results, Interest cost is almost equal to 50% of the turnover. over 42% of owners equity is pledged to banks.The economy is not going to recover in a hurry. So we can see a spectacular fall in this company. It can simply go bankrupt.
Most of the industry is having over capacity and lower demand. This normally results in market prices plumetting. Suzlon needs turnover quick with good margins, to come out of the debt trap.
Regards...

radhika,

China imports electriity coal at low prices and exports oil & oil products at premium prices. Looking at the limited options available to North Korea, China will always be able to exploit this unequal relationship to their advantage. China will allow transgressions from N Korea as these do not harm them. They may even extract some things from the western word in return of containing N Korea.

I do not think USA has the financial freedom or clout available to attack any one at this time. They must be busy finding some excuse to exit Afghanistan today.

Regards...

Frankly, I do not understand the chartists neither do I care what they predict. To me, it is similar to the Roman priests trying to predict outcome of wars by studying bones of dead animals. Inscrutable and unpredictable the market is.
Indian Hotels looks to have a sound business model. Best to pick up this stock at declines, to get enough shares so that when it goes up eventually, there will be a pot of gold for long term investors....