Re: Mutual Funds
Are you new in this business? Not aware of the rates from 2012?
The rates specified were of 2014, if you had invested in stock fund in 2014 the stated amount you wouldve had 266000 rs by the end of 2014(66000) rs profit. If you had invested at the start of jan 2015 you wouldve had 220000 rs because of the 10% return that was given.. :)
Re: Mutual Funds
Thank you for your response. The reality is there are lots of gullible folks who think there is a shortcut. And when they read 35 pct in one year and 10 pct in one month, they get misled. In my opinion, your posts tend to serve that purpose. Whether that is your intent is not relevant. No one here knows you. So the way to establish credibility is to be transparent. Not just about the rewards. But the risk. I have responded in ALL CAPS next to your post.
Here are your answers
*WeWe access the needs of the investors before advising them. THAT WAS NOT CLEAR EARLIER. JOW EXACTLY DO U DO THAT? We have a need assessment form that needs to be filled prior to filling the account opening forms. this helps us understand the needs of the investor, for example a dad wants to save money for the purpose of his children so we would suggest him a long term plan that is not risky and caters to his need (Childrens plan) etc.
Like said it depends on the market. WHAT DOES THIS MEAN? THIS IS A VAGUE STATEMENT. No one can predict exactly what the market trend would be like, however one can make forecasts using historic data. If you invest in equity based products your returns would be based on how well Paklstan's market performs.
I suggest investing in stocks only if your investment period is 1-3 years. THAT IS ACTUALLY TOO SHORT A TIME FRAME PER EXPERTS. In economic terms this period is known as medium term. Investing in stocks vary from medium term to long. we suggest long terms however there is profit made in the medium term aswell, considering the past 7 years. After 2008 that is.
You willget capital growth if you invest in stocks or asset allocation. YOU WILL GET CAPITAL GROWTH OR LOSS. YOU SEEM TO IGNORE THE LOSS PART. CONSISTENTLY. WHAT DOES INVEST IN ASSET ALLOCATION MEAN? If you invest in stocks or asset allocation fund for the long term you will get capital growth (the chances of loss is to none as there is no sign of market crashing anytime soon due to lots of regulators). If there was loss in the long run i wouldve mentioned it. For the short term, investing in stocks is not adviced. coming to another question of yours about Asset allocation. It is a hybrid fund which gives you 30-40% equity exposure and the remaining in PIBS and T BILLS which are considered secure. So investing in asset allocation is adviced for a period greater than 1 year. You may incur a little loss due to the 30-40% exposure in stocks if the market goes down but overall the risk is moderate.
The higher the stocks go the lower it comes down. UNCLEAR SENTENCE. After 2008 crisis all the countries were advised to introduce regulators and we have SECP. A very strict regulating body, The market will not show a continous rise because of regulations or companies book profit. There are corrections every now and then,
It is because of the regulatory bodies and policies. WHAT DOES STOCKS COMING DOWN HAVE TO DO WITH REGULATORY BODIES AND POLICIES? If the stock keeps going up and people keep buying then eventually there will be a bubble burst like the housing burst in the UK in the mids 2007 leading to credit cruch. thats why we have regulators.
Without that the maker market will have no certainty. We know which stocks will go up and down REALLY? HOW DO YOU KNOW THAT? That information we cannot disclose as we are legally bounded.
but we are not a brokerage house therefore we donot give such information to clients because it Is called booking profit and against the ethics. That's why we are called investment advisors. We adjust your need first and theN Advice accordingly for a safe a healthy investment.SO FAR ALL I CAN DISCERN IS YOU ARE PUSHING STOCKS THAT HAVE BEEN UP. No, it is not like that.
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*I opened this thread for discussion About mutual funds. OfcoUrse I will tell the details in the discussion. A LOT ONTO NAIVE INVESTORS. riting all this in one post would mean a big thought out post. YES. A RESPONSIBLE ORGANIZATION WONT SIMOLY TALK ABOUT PROMISING RETURNS. We have a disclaimer: *All investments in Mutual Funds are subject to market risks. The value of the units may go up or down based on market conditions. *
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Re: Mutual Funds
Are you new in this business? Not aware of the rates from 2012?
I am not new to this and am aware of all the rates, If you had invested 200,000 at jan 2012, right now 16th feb 2015 you wouldve had 597,529 rs (198.76%)
Re: Mutual Funds
That disclaimer shoukd have been in your first and every subsequent lost. And not in fine print.
Re: Mutual Funds
I meant to ask the profit on PKR.200k from 2012 till 2013 (only for 1 year) only.
I am not new to this and am aware of all the rates, If you had invested 200,000 at jan 2012, right now 16th feb 2015 you wouldve had 597,529 rs (198.76%)
Re: Mutual Funds
What part of it doesn't make sense to you? It's a 20-word simple question to the OP, not P&L account statement of RAW, mr. munshi.
BTW, from now on, I would call you Indian virtual spy # 2.
Post 16 makes no sense.
Re: Mutual Funds
What part of it doesn't make sense to you? It's a 20-word simple question to the OP, not P&L account statement of RAW, mr. munshi.
BTW, from now on, I would call you Indian virtual spy # 2.
The first 4 words - "going by these calculations" followed by invested in 2012, didn't make sense to me. Because OP in OP gave the returns ONLY for 2014 and Jan 2015.
Hence Ivs#2 got confused.
Re: Mutual Funds
^^ Hmm... okay. Hope post # 25 makes sense to you.
Re: Mutual Funds
^^ Hmm... okay. Hope post # 25 makes sense to you.
Kind of. Sort of. As long as you didn't add "based on these calculations" FOR OP had not provided the returns for sady years. Isv#2 not as confused.
Re: Mutual Funds
What is Isv#2?
i read OP saying somewhere in this thread that the rates offered in the past were better than now due to recent decline in market. So I gathered the profit rates which he provided for 2014-2015 are lower than what was offered two years ago (2012-2013).
Kind of. Sort of. As long as you didn't add "based on these calculations" FOR OP had not provided the returns for sady years. Isv#2 not as confused.
Re: Mutual Funds
What is Isv#2?
i read OP saying somewhere in this thread that the rates offered in the past were better than now due to recent decline in market. So I gathered the profit rates which he provided for 2014-2015 are lower than what was offered two years ago (2012-2013).
Sorry. That was a typo. Ivs#2.
By the way, you are confusing bank interest rates that have dropped per OP with stock market rate of return. OP had provided market rate of return ONLY for 2014 and Jan 2015. That is what I have been trying to explain to sady
Re: Mutual Funds
^^ I confess that I cannot compete in profit/loss calculations/numbers with you, mr. Munshi :femme:
… even after having my morning coffee 
Re: Mutual Funds
It is not a competion Sady ji. I was just making sure you understood the difference between
Signed
Munshi
Re: Mutual Funds
That coffee - may I have some
Re: Mutual Funds
What does "there is no sign of market crashing due to lots of regulators " mean?
Re: Mutual Funds
If u use hybrid fund for asset allocation expected return is less than that for stocks. 35 pct was stocks return in 2014. Asinine stocks return 10 pct in next 12 months expected return for hybrid could be about 6 pct
Re: Mutual Funds
"Without that (regukatirs) market has no certainty"
When does market ever have certainty?
Re: Mutual Funds
@Southie aka indian virtual spy #2](http://www.paklinks.com/gs/usertag.php?do=list&action=hash&hash=2)
Aww… too late as I finished it while I was away. But dont mind sharing with you next time if you stop spreading hate towards Islam, muslims through your posts and by giving newer ideas to ISIS sponsors in their quest to create & spread more and more hate for Islam in the general public by twisting Islamic beliefs through the Israeli+indian sponsored bunch of psychopaths titled ISIS and broadcasting it on media and say, “Hey look, this is the barbaric religion of Islam we want to save you from.”
Re: Mutual Funds
Are you high on something? Or do you have comprehension issues. Be honest with urself and u will see I did no such thing.
Anyway this is business forum. If u have specific issues abt my views please address it in the appropriate thread. Thank u
Re: Mutual Funds
"Without that (regukatirs) market has no certainty"
When does market ever have certainty?
if you wouldve studied the financial crisis in depth like myself you would understand the role of the regulators. At one moment the market cannot fall 5% and at the same time it cannot rise more than 5%. These are regulations that keep the market in check (Simple words, explanatory logic behind it) . However there are market corrections as it is an economic nature of demand and supply. I cannot explain the details to you, you have to look it up yourself.