True Investment Road Maps

If you don't know where you are going any road will get there. After you get there you might not like where you ended up. You must plan ahead for your trip.

Do you know where you are going with your retirement portfolio? Do you have a plan mapped out? Do you know what to do if your plan starts hemorrhaging money like a stuck pig? Remember 2000? Of course that will never happen again, will it? I'm glad you are so confident. I'm not.

Every professional trader has a plan. Wait a minute. You say you are not a professional trader and you wouldn't trade like they do anyway. Well let me let you in on a little secret. If you don't learn to invest like a pro you are going to give him all (or most) of your money whether you like it or not.

What is it like to trade like a pro?

You won't like it and your broker and financial planner will like it even less. It is simple. The road to success is the road that has an exit ramp, in fact, several. It is like doing the Baja Road Race and carrying many spare tires. Without several tires you are not going to make it. Where are those exits? Why so many spare tires? Because without them you will be off the road in a ditch and unable to carry on.

The exits and the tires are your protection against becoming lost or broken down on your way to a comfortable retirement goal. To get where you are going in any vehicle you must not be stopped so you have to find an exit ramp when everyone else stays on the stagnating highway. That spare tire is one of your stocks or mutual funds that has gone flat and must be replaced. You are going to make it. The poor (sic) people who have no plan will remain mired on the highway to nowhere.

There is a secret to being a successful investor and it is one word - SELLING. Yes, any fool can buy, but it is the wise man who knows how to sell. That is called an exit strategy. If you do not have one you are doomed to lose money. During the long term bull market from 1982 to 2000 everyone became a financial genius. Now that we are in a long term bear market (that history shows us lasts an equal length of time) many of those financial geniuses are back in kindergarten and may not have time to graduate.

As the current stock market becomes more dangerous it is time to get out your road map to see where the exits are. It is time to realize that some of your tires could be wearing thin and may need to be replaced. No one is going to do this for you. Not your broker or your financial planner. You are the driver and a successful conclusion to this journey is completely up to you.

Al Thomas' book, "If It Doesn't Go Up, Don't Buy It!" has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter at http://www.mutualfundmagic.com and discover why he's the man that Wall Street does not want you to know.

Copyright 2005

In The News:

India's top broker shifts focus to mid, small cap funds as prices decline  LivemintDomestic investors in mid-and small-cap stocks pumped ₹27 billion into the nation's equities last month.HDFC Securities has joined a growing chorus to invest ...
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Time to move your large-cap portfolio to passive funds  Moneycontrol.comOf 29 large-cap schemes, only three outperformed their respective benchmark indices.
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Beware! Exotic funds are a $40 billion time bomb ticking on D-Street  Economic TimesNothing grows this fast in finance without storing up trouble for the future.
Closing bell: Indices snap 4-day losing streak, Sensex gains 85 pts; banks, IT stocks lead  Moneycontrol.comThe sectoral trend was mixed with Private Banks and IT gaining. The broader markets underperformed frontliners.
As crisis deepens, here's what investors should do with NBFC stocks  MoneycontrolThe recent default by DHFL on interest payment to its debenture-holders followed by its rating downgrade by ICRA and CRISIL has raised *fresh* concerns on ...
Anil Ambani, world’s sixth richest in 2008, falls out of billionaire club  Economic TimesTotal m-cap of six Anil Dhirubhai Ambani Group firms has dropped to Rs 6196 crore.
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10 stocks for next 10 years: Top investors name their picks for ETNOW’s Power of 10  Economic TimesTop stock pickers name one stock each for a 'Power of 10 portfolio.
Flows into mutual funds revive in May as Modi win seems to spur risk demand  LivemintFlows into Indian equity mutual funds in May rebounded from the smallest in 31 months as Prime Minister Narendra Modi's comfortable electoral win spurred ...
Top fund houses wagered on many contra bets this May  Economic TimesTop domestic fund houses took note of the political stability post-election results and lapped up shares in many perceptibly contrarian bets in May, hoping for a ...
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Modi government's 2nd term: Where to invest in stock market now?  Economic TimesThe return of Narendra Modi as Prime Minister has pumped adrenaline into the stock market. As it became clear on Thursday that the BJP will get a clear ...
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10 NBFC stocks that have fared well despite crisis in the sector  Economic TimesNot all NBFC stocks fared poorly. Here are 10 stocks that have given extraordinary returns in the past year.
Stock Market Investment: 7 investment lessons from the Game of Thrones  The Financial ExpressIn their quest for the Iron Throne, The Game of Thrones characters taught us a thing or two about investments. Here are 7 insights to help you in your investment ...
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Super six: These stocks have outperformed Sensex every month in 2019  MoneycontrolThere are only 13 BSE500 stocks that have delivered positive returns every month in 2019.
A $13 billion fund makes contrarian bet on India consumer stocks  LivemintMumbai: Flagging Indian sales of products like toothpaste and hair oil have been a drag on the share prices of the nation's consumer goods makers, but each ...
Retail Investors Should Take Exposure To Midcap Stocks Through Mutual Fund Route: Ankit Jain, Mirae Asset Global Investments  BW BusinessworldIn an interview with BW Businessworld, Ankit Jain, Fund Manager, Mirae Asset Global Investments (India), talks about Consumption led funds, lending rates and ...
If you predict the election results accurately, you will feel nice for 15-20 days: Aashish Somaiyaa, CEO, Motilal Oswal AMC  Economic TimesExit polls are unanimously predicting the return of Narendra Modi government. Poll of polls are predicting 300 plus seats for NDA. The stock market has given a ...
How DHFL default grade hurts your mutual fund returns - Mounting trouble  Economic TimesAfter debt-laden mortgage lender Dewan Housing Finance (DHFL) failed to pay on its bonds on Tuesday, net asset values (NAVs) of several debt funds ...
Markets may extend gains on US-Mexico reprieve  LivemintIndian equities are expected to extend gains on Tuesday as global markets are supportive. Asian stocks made modest gains on Tuesday after the US shelved ...
We have already done a course correction in Aditya Birla Frontline Equity  LivemintA Balasubramanian speaks about the performance of Aditya Birla Sun Life AMC's flagship schemes, the situation in debt funds, and more.NBFC exposure was ...
Consumer and bank stocks still the only stories to play: Pramod Gubbi, Marcellus  Economic TimesFor those who are looking to buy into growth stories, it is best to hold off from looking into DHFL or Yes Bank. It is a very sophisticated segment of the investor ...
The rise of machines  Morningstar IndiaThe first consumer-facing robo-advisers, Wealthfront and Betterment, began operations in 2008, yet neither company offered financial advice to retail investors ...
Why credit analysts must keep an eye on the market  Morningstar IndiaProfessor Sanjay Bakshi believes that SEBI requiring credit analysts to watch the bond market is an excellent move. He backs his rationale with sound ...
Finance Ministry to launch ETF with bank stocks, fin institutions this fiscal  LivemintNew Delhi: The finance ministry is planning to launch an exchange traded fund (ETF) consisting of stocks of PSU banks and financial institutions this fiscal and ...
The next bear market could be unusually severe for stock investors  MarketWatchIt's not the price you sell at that matters most; it's the price you paid.
Yes Bank likely to exit asset management business  Economic TimesMumbai: Yes Bank, which is currently redrawing its strategic roadmap under new chief executive Ravneet Gill, is likely to exit the asset management business as ...
A $13-billion fund manager bets on unloved Indias consumer stocks  Business StandardFlagging Indian sales of products like toothpaste and hair oil have been a drag on the share prices of the nation's consumer goods makers, but each dip is a ...
Stock markets @ record high: 3 tips for mutual fund investors  Times NowNew Delhi: Stock markets grab all eyeballs when the headline equity indices hit record highs or near the previous all-time high levels. From traders to long-term ...
4 Best Goldman Sachs Mutual Funds for Great Returns  NasdaqIncepted in 1988, Goldman Sachs Asset Management (GSAM) seeks to provide financial services including investment and advisory solutions, and.
MF SIP tips! These 5 mutual funds are best picks - Here`s how to get rich with these schemes  Zee BusinessThe mutual fund industry has continued to witness robust SIP inflows. Get more Personal Finance News and Business News on Zee Business.
DHFL crisis: NBFC stocks stare at a difficult path to retain investor faith  Business StandardRead more about DHFL crisis: NBFC stocks stare at a difficult path to retain investor faith on Business Standard. With many uncertainties gripping the sector, ...
PPFAS mutual fund gets ready to launch 2nd equity fund in 6 years  Moneycontrol.comSix years after launching its first and only equity mutual fund (MF) scheme so far, PPFAS Asset Management is ready to launch its second equity fund, Parag ...
7 Smart Mutual Funds for Income Investing | Dividends  U.S. News & World ReportThese funds offer management and strategy rather than following a specific index.
Why Beyond Meat Stock Popped 10%  The Motley FoolWSJ is bullish on Beyond Meat, but it's got nothing to do with fundamentals.
Up to 5,500% rally under BJP govt! Do you own any of these stocks?  Economic TimesNEW DELHI: Going by exit poll results Narendra Modi-led NDA government is all likely to come back to power with a resounding victory in general elections ...
How to Pick Investments for Your 401(k) | Investing 101  U.S. News & World ReportYou've set yourself up for retirement success by enrolling in your employer-sponsored 401(k) plan. Good job, you! RELATED *CONTENT*. How to Prioritize ...
Sensex hits 40k; dips 1,314 pts from high by close; Nifty holds 11,650  Business StandardDuring the day, Sensex and Nifty hit the levels of 40000 and 12000, respectively, for the first-ever time.
Top 10 stocks that mutual fund managers bought and sold in March 2019  Moneycontrol.comData for equity flows into mutual funds for March came as a breather after a weak February. An increase in net inflows in equity and income category led to the ...
Viewpoint | Does your portfolio need a quant fund?  Moneycontrol.comA quantitative element is coded into every fund at some level; it's just that in a quant fund, the judgement call of a fund manager is taken away.
What India's top three mutual funds bought and sold in March  Economic TimesIndias largest money manager held 1.5 trillion rupees in equities.
Mutual funds bet big on these 30 stocks in November; do you own any?  Moneycontrol.comThe Indian equity market rose about 5 percent in November but what was more heartening to see was inflows into mutual funds. Investors pumped Rs 1.4 lakh ...
Govt increases limit to disclose investment in stocks, mutual funds for employees  Moneycontrol.com*Service* rules say no government servant shall speculate in any stock, share or other investment.
What top mutual funds bought and sold last month  LivemintMumbai: Inflows into Indian equity mutual funds in January were the smallest in two years as heightened market volatility and political uncertainty cooled ...
I want to invest Rs 1 crore in stocks and mutual funds for 5 years. How should I invest?  Economic TimesYou may consider the following asset allocation: 40% in large-caps; 40% in large and mid-cap, or multi-caps; and remaining 20% in mid- and small-cap funds.
A young investor’s guide to mutual funds  Economic TimesMany young investors, who are barely a year or two old in their career, are eager to start investing in mutual funds. ETMutualFunds.com receive many queries on ...
Can mutual funds give multibagger returns like stocks?  Economic TimesStocks can be multibaggers. They can offer extraordinary returns in a very short period. Can mutual funds ever do that? This was a question thrown at Rajeev ...
How concentrated is your mutual fund portfolio?  LivemintA concentrated portfolio can backfire badly if the fund manager's strategy goes wrong.A portfolio with few stocks can fall sharply if share prices of most stocks in ...
Mutual funds sell several blue chips stocks, buy mid-caps in March  Business StandardDomestic money managers were seen pruning their holdings in several blue-chip stocks, including Reliance Industries (RIL) and Housing Development Finance ...
What India's top three mutual funds bought and sold in February  LivemintMUMBAI: Inflows into Indian equity mutual funds in February were the smallest in more than two years as savers held back investments amid market volatility ...
7 stocks most favoured by mutual funds over last one year  Economic TimesAs the markets hit a speed bump, stocks favoured by mutual funds appear to be safer bets.
Active mutual funds fail to reflect index gains  Economic TimesThe Nifty, which has hit all-time highs for the second time in April, has advanced 12% in the last one year. But these gains are yet to reflect in many mutual funds' ...
How income from stocks and mutual funds are taxed for an individual  Moneycontrol.comCapital gains from transfer of unlisted share are considered as STCG where period of holding is less than or equal to 24 months, and LTCG when holding period ...
Should you invest in international mutual funds?  LivemintIf you were to sort all equity mutual funds available for retail investment by their one-year performance, international funds would come on top. The best ...
The dangers of high mutual fund inflows  LivemintMutual funds have put ₹2.4 trillion into markets in the last two years.Equity mutual funds receive ₹8000 crore monthly through SIPs.
Why your core equity portfolio should be in index mutual funds  Economic TimesInvestors flock to the performing fund “after” it has beaten the index. Fund selection is not an exact science, and there will be hits and misses.
What to do if your mutual fund scheme earns more return than your investment  Economic TimesAre the returns shown in your mutual fund account statement same as the returns delivered by your fund? It is quite likely that you might have earned less than ...
Here are a few mutual funds that stocked up on YES Bank in Q4FY19  Business StandardShares of YES Bank tanked 30 per cent in trade on Tuesday, after the bank reported a massive Rs 1,507 crore loss in the fourth quarter of financial year 2018-19 ...
Investment limits Sebi prescribes for mutual funds  LivemintDid you know that there are guard rails that the Securities and Exchange Board of India (Sebi) has put in place to protect you from the risks of over-exposure to a ...
Top 30 stocks that fund managers bought & sold in March; do you own any?  Moneycontrol.comData for equity flows into a mutual funds for March came as a breather after a weak February. Increase in net inflows in equity and income category led to the ...
Mutual Funds increase holding in ‘attractively valued’ oil & gas stocks  Economic TimesMUMBAI: Mutual funds have been adding shares of oil and gas companies such as GAIL, HPCL, BPCL and ONGC over the last few months, encouraged by ...
Stocks vs Mutual Funds: Which is a Better Option to Invest?  EntrepreneurStocks and Mutual Funds have their own set of hiccups, which are better to know before making your investments.
Mutual funds shooting themselves in the foot?  Economic TimesWhat if banks take a leaf out of Kotak and HDFC Mutual Funds' decision to direct investors to come another day to get their money instead of paying them on the ...
Stay away from stock tips  LivemintIf taming the stock market was easy, everyone would do it.Losing money in market is real and facing volatility is part of the deal.
What top 5 money managers bought and sold in February  Economic TimesFebruary was the fourth consecutive month of decline in net investment into equity mutual funds.
27-year-old rule changed: Disclosure limit on MF, stock investment up for bureaucrats  Economic TimesGroup A and B officials had to intimate government if total transaction in shares or MFs exceeded Rs 50K.
Here are 30 stocks that fund managers bought & sold in February  Moneycontrol.comEven the month of February witnessed the lowest inflow in equity mutual funds in the last 2 years. Only Rs 5122 crore of *fresh* inflows took place in equity funds.
Fund managers ready to go shopping after sharp correction in stocks  Moneycontrol.comDomestic fund managers are capitalising on the market fall and buying shares as they feel the valuations have become attractive after a sharp correction in the ...
Top 8 most common mutual fund investing mistakes and how to avoid them  Business StandardMutual funds garnered Rs 8,022 crore of its assets by way of SIPs in December 2018, 29 per cent higher than the previous year | Illustration: Binay Sinha ...

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