Thank you for your advice and suggestions, I will read the books you suggested. My goal was to work for 25 years and become financially independent, which, hopefully I have achieved. Now I want to become wealthy through prudent investing and compounding.
I would have liked to work more but the opportunities after a certain level are limited, and, unfortunately, I have lost interest in my line of work. I intend to learn new skills and start afresh.
Posts in category Value Pickr
Reviving an old journey post retirement (20-04-2024)
Ujjivan Financial – Small Finance Bank (20-04-2024)
bd322d9b-ee68-4efd-8c73-4c760aae02c9 (1).pdf (872.9 KB)
Merger approved by NCLT.
Reviving an old journey post retirement (20-04-2024)
First of all I would say don’t quit from job for now. Market was very kind in last 3 years and just read about time 2001-2003, 2007-2009, 2011-2013, 2018-2020 such long period frustrate. Other thing is salary always give cushion and you will have money every month to invest. (This is what i follow). Try to earn as high as you can. What I understood is you are long term investor along with job you will get ample time for investment. (52 weekends, public holidays ~= 130-140 days in a year)
For balance sheet I would suggest below in the order
- Five rules of successful investing , Pat dorsey
- Its earning that count , Hewitt heiserman
- Financial shenanigans , Howard M.
Again I would say if possible dont quit wait for sometime till your pf cross 1 cr mark
Understanding IT sector (20-04-2024)
This is my assessment as well. Corporate IT spend is unavoidable though cyclical. Whatever you hold back this year you spend with vengeance after one or two years.
Anecdotal evidence suggests that companies across industries have Gen AI pilot projects and results are promising. One large British company I know expects to revamp its entire IT infrastructure in the next two years to make good use of AI. I would assume this pattern would repeat widely.
Disc: Super heavily invested in Indian IT services and Nadaq
Ganesh Benzoplast – Cash rich chemical storage/tank king (20-04-2024)
How will this effect the bottom-line of the company ? also as this is a Family affair, so there is little hope of recovery !!
Pity this has come open just after the BW-Confidence deal !!
Understanding IT sector (19-04-2024)
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HDFC Bank- we understand your world (19-04-2024)
In my opinion, the markets are digesting the merger. HDFC Ltd. had large holdings of housing loans, which had different dynamics from the traditional banking business of HDFC Bank. Therefore, the merger has caused some adjustments to NIM and other factors.
Having large institutional interest, HDFC Bank is also seeing some change of hands post-merger perhaps causing the current price pessimism.
HDFC Bank is a large stable blue-chip company, with no major imminent risks. It has a low beta in the industry.
Anshul’s investing journey (19-04-2024)
I have added two positions in the past few weeks: Time techno-last and Medi assist. Both seem to be at a reasonable valuations with strong growth ahead.
As I was talking to my father about my portfolio, I recognize a few problems. 19 stocks for me, is a few too many stocks. I am thinking of exiting a few positions and investing in my high conviction bets.
It will take some time for me to recognize which idea should get a higher weightage, but I am strongly considering reducing my holdings to 15!
Moreover, I have increased stake in Goodluck and Sandhar.
Goodluck seems to be at a reasonable valuation. FY26 revenue should be 4500 cr barring defense segment with an expected PAT of 250 crores. a 20PE exit gives 5000 crore market cap
Sandhar too looks good for margin expansion, I expect double digit margins.
Moreover, I am evaluating whether I should shift capital from SIB to Arman financials as Arman AUM can cross 5000 crores and PAT 250cr is very much on the cards.Still haven’t made a decision but thinking!
I don’t want to rush my decision making, will take some time and think
Malkd’s Core Portfolio (19-04-2024)
Exactly this. Whenever the market looks overheated and i dont want to risk money in small or mid caps i change my strategy to look for blue chips that are languishing. Finding a non cyclical blue chip which has fallen 20 plus percent in a year or has been stuck at the same price for 3 to 4 years is actually very rare. At the same time i dont want to remove money from my PF of small and mid caps so that leaves me with an option of sips only. In this phase i consider my PF to be my main source of returns and the large caps to just be a monthly option to store my cash wherein i dont want returns for even 2 to 3 years. Once i have a sufficient amount allocated i fully expect to beat the index over the long term ie 15 to 20 years which would be the holding period for these kind of companies