Time Out

Are you paying any attention to your retirement savings? Do you have it in cash or an account with a broker? Maybe you have a professional manager who is investing your money as you add to it every month.

Is your account increasing in value every year? If it isn't why are you letting anyone else invest for you? There is no point having a loser in charge of your money. You must take the time to direct what and where you money is invested. Too many people tell me they don't know what to do, but if your account has been going down every year you would not do any worse then the "expert".

I love those professional money managers who tell you about diversification. You know that one. Put some in stocks, some in bonds, some in annuities, and some in a money market account. Did it ever occur to you that the reason they want you to spread it around is because they don't know where the best place really is and hope that some part will make some money? Did your broker or financial planner brag that he beat the S&P index last year, but you still lost money because it was down 22%? You are better off to have it in the mattress at zero percent than watch it disappear in those monthly statements.

Brokers are not taught to make money or even how to protect your capital. The average broker has 300 accounts and unless you have a very large sum or are an active trader he doesn't even know who you are. When was the last time you spoke with him? Ask him what his investment strategy is.

In the past 3 years we have seen the general market (S&P500) lose one third of its value as of this date. And the Nasdaq has lost more than 60%. Recently the bond market has collapsed and wiped out all the profits of the previous 4 years. So much for diversification. The mattress looks better all the time.

The single most important thing about investing is not to lose money. I'm not joking. It is the basic rule of all professional traders (and I was one when I was a floor trader on the exchange) not to take big losses. You must make that a rule for yourself. Each week or at least once each month you must review what is happening in your account and weed out any and all weak stocks and mutual funds.

You can be sure your broker will not call you to sell out of a weak position. It is your money and no one has more interest in it than you do. You have to take the time out to do it yourself. Take a time out now and make that call.

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.

1-888-345-7870; [email protected]

In The News:

I would always recommend mutual funds over individual stocks: Anand Rathi  LivemintThe effort needed to manage individual stocks is much higher than the effort required for mutual funds.Anand Rathi talks about the ongoing economic slowdown ...
Mutual funds: What should you do with underperforming mid-cap, small-cap funds?  Business TodayWhile mid and small-cap stocks respond faster to different economic cycles due to their smaller size, similar tendency is reflected in stocks of these companies.
What India’s top three mutual funds bought and sold last month  LivemintInflows into Indian equity mutual funds rose for the fourth straight month in August even as the nation's stocks suffered their worst three-month period since 2016.
Mutual fund investors riding out market volatility through smart moves  LivemintMumbai: Retail flows into equity mutual funds have ebbed and flowed with the broad moves in the markets. Flows rose when the markets did well and fell when ...
Actively or passively managed mutual funds: Which should you invest in?  Economic TimesAn ET Wealth study finds that most actively managed equity schemes have beaten their benchmarks.
Top 17 Nifty stocks in which MF schemes have over 2% exposure; should you buy?  Moneycontrol.comMutual fund schemes witnessed a steady inflow in August even as the broader market sentiment remained sombre amid concerns over the macro-environment ...
AMC stocks rally in lacklustre market  The HinduIn 2019, HDFC AMC and RNAM surged 75% and 47% respectively, compared to Sensex's rise of 1.37%
India equity mutual fund fees among most expensive in the world  Economic TimesBy Nupur Acharya India still ranks among the most expensive countries in the world in terms of fees charged on equity and hybrid mutual funds, even after ...
Should you invest in small cap mutual funds now?  Economic TimesMany wealth advisors believe that investors could go for a staggered investment in small cap mutual funds.
Top 10 mutual fund picks that withstood market mayhem to cushion fall in returns  Economic TimesWhen 80 per cent of the stocks in the domestic market have seen wealth erosion in the ongoing selloff, even the seasoned money manager has not remained ...
Why you should invest in multi cap mutual funds  Economic TimesMany advisors are recommending multi cap funds in the current environment to investors. This scheme which bundles large-, mid- and small cap stocks is often ...
Mutual fund managers say tough times ahead, but ask investors to stay the course  Economic TimesA deluge of negative news flow has severely impaired the sentiment in the stock market.
Five-year mutual fund returns fall below PPF’s, but all is not lost  LivemintEquity mutual fund returns have been hit hard by GDP slowdown and its effect on the stock market.But some analysts say that one should invest in equity mutual ...
If you are wondering which stocks to buy, top fund house offers cues  Economic TimesHDFC Asset Management, India's largest money manager by assets, was busy buying select banks, PSU and infrastructure stocks all through August, even as ...
Top 5 funds, managing Rs 12.53 lakh crore, shopped for these stocks in August  Moneycontrol.comInox Fluorochemicals, Sterling and Willson, Somany Home Innovation, JSW Holdings and Adani Enterprises among the top picks.
Is time to say goodbye to small cap mutual funds?  Economic TimesAs per Sebi re-categorisation norms, small cap mutual funds are mandated to invest at least 65 per cent of their corpus in small cap stocks.
Slowdown shock: PPF beats mutual funds over 5 years  LivemintThe economic slowdown, which has been gathering pace since the start of 2018, has now come to bite mutual fund returns. Key equity mutual fund categories ...
Best small and mid cap mutual fund managers 2019  Economic TimesHere are the top 5 fund managers in the small and mid cap category who have created the most wealth for investors.
What mutual fund managers are doing in the current market?  Economic TimesThese are trying times for the mutual fund managers. A bleak economic scenario coupled with countess stark data points have severely impaired the sentiment ...
Top 30 stocks that fund managers bought & sold in July; do you own any?  MoneycontrolMutual funds net bought Rs 14,846.75 crore worth of shares last month. Their inflows into equity funds also improved to Rs 8,113 crore in July, rising nearly 6 ...
Top 5 fund houses, managing Rs 12.53 lakh crore, shopped for these stocks in August  Moneycontrol.comInox Fluorochemicals, Sterling and Willson, Somany Home Innovation, JSW Holdings and Adani Enterprises among the top picks.
Hidden tech gems to invest in now, picked by a mutual-fund manager with a great track record  MarketWatchYou don't have to own the big tech stocks to make decent profits. Here are six lesser-known gems that are ready to take advantage of coming trends in tech.
Rise in mutual fund inflows through SIPs is a good sign: Aditya Agarwal, MD, Morningstar India  Economic TimesAditya Agarwal, Managing Director, Morningstar India, discusses the key knowns and unknowns of the mutual fund sector and the potential of returns it offers ...
Investing in mutual fund becomes cheaper on Sebi measures  Economic TimesInvesting in mutual funds has become less expensive in India due to several investor-friendly measures taken by the markets regulator Sebi, including ban on ...
Waiting for market revival? SIPs in these 12 stocks can deliver big  Economic TimesSIP in equities can help reduce the risk of timing the market by averaging out benefits.
Index Funds Are the New Kings of Wall Street  The Wall Street JournalMoney managers that mimic the stock market just became the new titans of the fund-management world. Funds that track broad U.S. equity indexes hit $4.27 ...
Mutual Fund Update: Stocks sold by fund managers in July 2019  Dalal Street Investment JournalIn our last update we listed the top 5 stocks that attracted fund managers in the month of July 2019. Now let's have a look at top 5 stocks that witnessed a lot of ...
We want to be among the top 10 mutual funds in the country in the next decade: ITI Asset Management CEO  BusinessLineITI Asset Management is unperturbed by its late entry into the mutual fund market. As any new comer, they are confident that the under-penetrated Indian market ...
When equity mutual funds offer negative returns, here’s what you do  Economic TimesThe need of the hour is to stay insulated from the panic in the market.
Top stocks mutual funds bought and sold in August 2019  CNBCTV18Domestic mutual funds remained net buyers for a fourth straight month, resulting in an overall inflow of Rs 1.02 lakh crore in August, much higher than Rs 87000 ...
Stock market crash? No Problem: Here are 4 steps to embrace it with a 'bear' hug  MoneycontrolThe stock market crash is the best excuse you can use to rebalance your portfolio. Getting rid of the non-performing investments and realigning your portfolio.
Fidelity Advisor Mid Cap Value Fund’s Superior Stock Picking Should Drive Outperformance  ForbesDespite the shortcomings of accounting-based metrics such as price-to-earnings ratios, return on equity, or accounting book value to pick stocks, many mutual ...
Mutual funds are not there to provide risk capital: Sebi chief  Economic TimesMumbai: Mutual funds are not banks and are not around to provide risk capital, said Securities and Exchange Board of India chairman Ajay Tyagi. The capital ...
From SBI MF to Aditya Birla Sun Life MF, top mutual funds bulk up on cash  Business StandardFive of the top 10 mutual funds by equity value are holding cash in the range of 8-11 per cent, a reasonably high number. Equity funds typically hold cash ...
Planning to invest in small cap funds? Spread your risk via SIPs  Economic TimesWealth managers are advising investors keen on looking at battered small cap shares to start systemic investment plans (SIP) in schemes that bet on these ...
Stock Pickers Are Just Imagining an Index Bubble  BloombergQuint(Bloomberg Opinion) -- Spoiler alert: Index funds are no bubble. It's not terribly surprising that active managers loathe index funds. It can't be pleasant to watch ...
HDFC AMC, Reliance Nippon Life stocks are undeterred by Sebi tweaks  LivemintEquity markets are subject to market risks, but that adage does not seem to apply to stocks of asset management companies (AMCs). While the broader market ...
ET Markets Special Podcast: How will market react to FM economic booster come Monday?  Economic TimesHi, this is Saloni Goel and you have tuned into ETMarkets' Special Podacast. Equity investing may look easy when stocks are down in the dumps, but separating ...
Mutual Fund Investment: Why you should invest in direct plan of mutual fund  The Financial ExpressSince there is no intermediary involved, the AMC does not have to pay any commission or trailing fees. A regular plan is bought through an intermediary who ...
Is Vanguard Total International Stock Index Fund (VGTSX) a Strong Mutual Fund Pick Right Now?  NasdaqIf you're looking for an Index fund category, then a possible option is Vanguard Total International Stock Index Fund (VGTSX). The fund does not have a Zacks ...
How retail investors tripped up on Yes Bank – Zerodha CEO releases data in blog post  LivemintZerodha CEO said 2 lakh people out of the 7 lakh who have demat accounts with Zerodha, hold Yes Bank stock and his clients are collectively sitting on an ...
Motilal Oswal NFOs may suit investors keen on passive mutual funds  Economic TimesInvestors looking to include low-cost passive mutual fund schemes in their portfolio could consider the new fund offerings (NFOs) of Motilal Oswal Asset ...
Mutual funds see inflow of Rs 1.02 lakh crore in Aug  Economic TimesNew Delhi: Mutual funds' asset base increased to Rs 25.47 lakh crore in August, a rise of 4 per cent as compared with the preceding month, on the back of ...
L’Affaire CG Power a pain point for Yes Bank and mutual funds  Economic TimesSome of Indias biggest mutual funds hold substantial stakes in Gautam Thapars CG Power.
Soon access, share all your data from a one-stop store  LivemintAccount aggregators will put in all your financial data at one place, with your consent.You will be able to share financial data related to your bank account and ...
These two key portfolio diversification strategies can help you buffer stock market risk  MarketWatchStories resonating with MarketWatch readers this past week.
How much money can I make in mutual funds?  Business Insider IndiaA large number of investors are investing in mutual funds to grow their money. As is the case with any investment instrument, your money can yield very high.
Sebi allows mutual funds to tie up with banks to rejig exposure  Economic TimesMumbai: Mutual Fund (MF) houses can now join hands with banks to rejig exposure and throw lifeline to stressed corporates --- albeit with a few conditions.
Will the removal of surcharge on FPI capital gains help stock market?  BusinessLineOther reasons including trade war and global turbulence are behind FPI selling.
How to Invest in Stocks for Beginners: 8 Steps  U.S. News & World ReportZooming out, beginners can learn how to invest in stocks by following eight simple steps.
Bet on these 10 stocks for 12-22% returns by next Ganesh Chaturthi  MoneycontrolThe market hit a *fresh* record high this year, but gave negative return since the last Ganesh Chaturthi, with the Nifty50 falling 3 percent and Mid-Smallcap sinking ...
Sebi wants MFs to invest only in listed securities  Economic TimesSebi said it has also decided to give flexibility to MFs to invest in unlisted NCDs up to a maximum of 10% of the debt portfolio of the scheme.
Mutual Fund Investment: 5 reasons to invest in tax saving mutual funds  The Financial ExpressWhile there are various tax-saving investment options such as NPS, NSC and PPF, among others, tax-saving mutual funds have remained the most preferred.
Large-Cap Funds Dump Tech Stocks. Small-Cap Funds Are Overweight Them.  Barron'sInvestment funds focused on big companies cut their holdings of tech stocks last quarter, but their small-cap counterparts took a different approach. They held on ...
4 Mutual Funds to Tap the Growing Housing Market  Yahoo FinanceThe American housing market is growing at a decent pace courtesy of several factors such as record low mortgage rates and a solid domestic economy. As more ...
Is Vanguard PRIMECAP Fund Admiral (VPMAX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceIf you've been stuck searching for Large Cap Growth funds, you might want to consider passing on by Vanguard PRIMECAP Fund Admiral (VPMAX) as a ...
9 steps to protect your finances against recession in the economy  Economic TimesBad news is infectious. As reports of job losses, slowing demand and the liquidity crisis trickled in last week, the stock markets slipped. To be sure, the Nifty has ...
Nervous about stocks? Bill Gates isn’t  MarketWatchBill Gates told Bloomberg News that most of his assets are still invested in stocks.
Saurabh Mukherjea of Marcellus Investment is positive on these blue-chip stocks  Moneycontrol.comSaurabh Mukherjea, founder and chief investment officer at Marcellus Investment, spoke to CNBC-TV18 about the economic slowdown and how investors ...
Mutual Funds, Funds & ETFs Market Activity Data & News  NasdaqGet the latest funds and ETFs market data & news from Nasdaq.
Is Fidelity Value Fund (FDVLX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceLooking for a Global - Equity fund? You may want to consider Fidelity Value Fund (FDVLX) as a possible option. FDVLX holds a Zacks Mutual Fund Rank of 3 ...
CNBCTV18 Market Highlights: Sensex, Nifty settle with gains led by metal, IT shares, Tata Steel jumps 4%  CNBCTV18Market Highlights: Indian shares ended Wednesday's trade on a positive note as falling crude oil prices eased inflationary and trade deficit concerns. Metals IT ...
Vanguard Roth IRA: Is It the Best Roth for You?  NerdWalletWith a Vanguard Roth IRA you'll find some of the lowest-cost mutual funds around. But Vanguard's other costs and mutual-fund minimums are a disadvantage.
S&P 500 Growth Fan? Check Out These Big Value Stocks  Investor's Business DailyInvestors are chasing value stocks. Value stocks can offer lower valuations and higher dividends. But where will the S&P 500 value leadership come from?
Good time to invest in India with a long-term view: Mark Mobius  Moneycontrol"India will continue to grow in the long-term, but there is a lot of confusion w.r.t taxation," Mark Mobius, founder of Mobius Capital Partners LLP said in an ...
Momentum stock strategies are down — but not out  MarketWatchWhen will momentum regain the big mo? I am referring to investment strategies that favor top-performing stocks and avoid those at the bottom. According to the ...
Propping up Stock Market: Govt measures falling flat  The Daily StarThe government's recent measures to prop up the stock market appear to have failed as the unusual fall of share prices continues to rattle investors. Yesterday ...
GE Stock Bulls Say The Worst Is Over. A Prominent Bear Disagrees.  Barron'sAnalysts remain polarized about the prospects for General Electric. Wall Street target prices range from $5 to $15 a share, a remarkably wide spread.
Is JPMorgan Large Cap Growth A (OLGAX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceOn the lookout for a Large Cap Growth fund? Starting with JPMorgan Large Cap Growth A (OLGAX) is one possibility. OLGAX carries a Zacks Mutual Fund Rank ...
Is Vanguard Institutional Index Plus (VIIIX) a Strong Mutual Fund Pick Right Now?  Yahoo FinanceIf you've been stuck searching for Index funds, consider Vanguard Institutional Index Plus (VIIIX) as a possibility. VIIIX has no Zacks Mutual Fund Rank, but we ...
Index Funds Have More Money Than Active Funds  MONEYIndexing just became the undisputed heavyweight champion of the stock market, and small investors should be cheering the victory. The amount of money in ...
Investors move back into U.S. stock funds on hopes for trade resolution  Midwest CommunicationBy David Randall NEW YORK (Reuters) - Investors ended a 3-week retreat from Wall Street last week by sending nearly $8.6 billion into mutual funds and ...
Mutual fund investors keep faith in stocks despite market rout  LivemintMumbai: Investors in Indian equity mutual funds bought more last month, unfazed by the selloff that saw the nation's $1.9 trillion market log its worst July in 17 ...
Auto ka time aayega? Experts positive about auto stocks despite alarming August sales numbers  MoneycontrolThe sales numbers are alarming and challenges for the sector are mounting. At first glance, it looks logical to stay away from auto stocks.
How to prepare for a recession  CNBCAre you prepared if a recession hits? Whether or not one is on the horizon, you should take some steps ahead of time to recession-proof your life. “Now is the ...
What India's biggest mutual funds bought and sold in July  LivemintInvestors in Indian equity mutual funds bought more last month, unfazed by the selloff that saw the nation's $1.9 trillion market log its worst July in 17 years.
4 Northern Mutual Funds for Spectacular Returns  Zacks.comBelow we focus on three top-ranked Northern mutual funds. Each has earned a Zacks Mutual Fund Rank #1 (Strong Buy).
Goldman Sachs Finds 5 Top Stocks Mutual Funds Have Loaded Up On  24/7 Wall St.To say that mutual fund portfolio managers tend to follow the herd is an incredible understatement, and it always has been. While publicly they sometimes seem ...
As recession fears loom, is India better equipped than 2008?  MoneycontrolMarkets usually bottom out before the economy does and considering that India is one of the fastest-growing economies, markets will bounce back quickly.
Is it time to stop investing in equity mutual fund schemes?  Economic TimesMany DIY or Do-It-Yourself investors are ready to give up on equity mutual funds. They believe that it doesn't make sense to bet on equity mutual funds as the ...
MF shopping list: Top 30 stocks that fund managers bought & sold in June  MoneycontrolMutual funds increased allocation to private banks, consumer, utilities, technology, NBFCs, retail, metals and PSU bank stocks in June, an ICICIdirect report said.
Why picking the right mutual fund is key in a tough market  LivemintWhy have mutual fund (MF) returns fallen? Mutual funds primarily invest in equity (stocks) or debt (bonds). On the equity side, mid and small cap MFs have given ...
Invest in reliable outperforming mutual funds: Here are 8 of these  Economic TimesThese funds tend to score well on risk-adjusted metrics and hold dependable stocks in their portfolios.
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 ...
What India's three largest mutual funds bought and sold in June  Economic TimesHeres what the top three asset managers bought and sold last month.
Consider investing in direct stocks only if you can monitor portfolio proactively  LivemintDirect stocks can be considered if you have the ability to do research to identify the stocks to be bought as well as to be sold.You should be revisiting your ...
What India's top three mutual funds bought and sold in March  Economic TimesIndias largest money manager held 1.5 trillion rupees in equities.
Sensex's rise from 20K to 40K: 5 lessons for equity mutual fund investors  Economic TimesWe look at some critical lessons that equity fund investors learnt during the journey of Sensex reaching 40K.
Mutual funds’ exposure to this space at all-time high; should you buy?  Economic TimesMoney managers on Dalal Street continued to shower affection on private banks for the ninth successive month as their exposure hit 19.90 per cent in June, ...
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 ...
Mutual fund investors showing great appetite for assuming risk: Dhirendra Kumar  Economic TimesOne would have thought that new investors who came into mutual funds will be running away. But they are getting into riskier category of funds and the scale of ...
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 ...
Actively-managed large cap mutual funds poised for a comeback  Economic TimesDefying predictions of their imminent irrelevance, some actively-managed large cap mutual fund schemes have bounced back to the top of the return chart.
Diversify your portfolio by investing a portion in US-focused mutual funds  MoneycontrolDeveloped markets such as US have delivered significant returns over market cycles.
What India's top three mutual funds bought and sold in May  LivemintInflows into Indian equity mutual funds in May rebounded from the smallest in 31 months as Prime Minister Narendra Modi's comfortable electoral win spurred ...
Value mutual funds have given good returns over long term but can underperform in short term  Economic TimesOver the years, the benefits of value investing have been espoused by several market gurus and fund managers. Discussions around this investing philosophy ...
6 bad money habits that investors should give up  Economic TimesSome habits can exact a heavy toll on your finances. We look at a few common ones that you should give up.
Mutual fund SIPs don't make equity investing risk-free. Here's why  Economic TimesSIPs do reduce the risk of market timing & allow investors to buy more units when their price falls.
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 ...
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 ...

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