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Topic: Smartcat - Portfolio Checkup

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KrishnamRaju
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Posted: 29/Dec/2009 at 9:23am

Hi Smart Cat

can please let me know if the magma finance is having deposit vertical for end customers.

i hv gone through the website but could not find any deposit section, the reson i am after this is if they donot take the deposits then how would they lend the money in other areas.

Krishnam Raju

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smartcat
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Posted: 29/Dec/2009 at 10:42am

No idea about Magma finance - but raising money from public is generally not the preferred choice for NBFCs. It is expensive and cumbersome way of raising money. Imagine dealing with 15000 individual investors who probably invest an average of only Rs. 10k.

NBFCs generally raise money from debt mutual funds and banks.

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KrishnamRaju
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Posted: 30/Dec/2009 at 6:27am

Thanks for the reply:-)

but raising money from mutual funds and banks will require NBFCS to pay more intrest and processing fees, where as money from the public cost less as the deposit rate is low.

so in this case the margins of NBFC's will be affected right, am i missing some thing

Krishnam Raju

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smartcat
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Posted: 30/Dec/2009 at 10:28am

Actually, the public won't bite the bait unless the interest rates offered are significantly higher than Post Office rates (8%). Public deposits will cost over 11% PA. That's why, generally, companies will poor credit ratings will tap the public.

When you have decent credit ratings, you can take loans from banks and MFs at 8 - 10% PA currently.

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PKB2000
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Posted: 09/Jan/2010 at 3:51am

Originally posted by smartcat

Holding all of them. IRB & Era infra would be sold in case I need to take some money out of the market.

Met tigershark today somewhere in Goa for dinner. And he did not beat me up for buying strange stocks and changing my investment style.

Why ERA INFRA is not running a little faster speed as ABAN OFFSHORE did in 2007? Has it learnt a few lesson from ABAN!

I am always doing that which I cannot do, in order that I may learn how to do it. ~Pablo Picasso

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PKB2000
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Posted: 13/Jan/2010 at 11:29am

Era Infra secures contract from NHAI

I am always doing that which I cannot do, in order that I may learn how to do it. ~Pablo Picasso

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smartcat
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Posted: 14/Jan/2010 at 8:21pm

My portfolio finally reached the value "X" today - where X is the all time high it reached in Dec 2007. However, I had added some cash to the portfolio a few months back - so its not that the portfolio has recovered the entire amount I "lost" after Dec 2007.

From now on, if the portfolio value appreciates by 5% by the end of this month, I will have (X + 0.05*X). I will sell shares worth 0.05*X in February, so that the portfolio value remains at X. I intend to move the proceeds into debt funds and this process will continue every month.

I currently have 33% of my investments in debt funds and 67% in equities. So as my portfolio value rises, debt funds percentage keeps going up while equities go down.

I might lose out on some part of future potential gains - but I intend to reduce the damage by following a mechanical process of selling. Out of the 93 companies I own, I intend to sell the high trailing P/E stocks first. In Valueresearchonline.com, it is possible to list all the stocks by descending P/E order with the click of a button.

Basically, the first to go would be high P/E FMCG stocks like Nestle, Marico, ITC - which don't have much scope for huge appreciation anyway. I let low P/E tiny caps like Anjani Cement (PE of 3), ABC Paper (PE of 4) and Lincoln Pharma (PE of 5) run.

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smartcat
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Posted: 14/Jan/2010 at 8:26pm

Current portfolio looks a bit like this -

Marico	2.05
HSIL	1.92
UFLEX	1.89
Hawkins Cookers	1.87
Dewan Housing Fin. Corpn.	1.83
Unichem Laboratories	1.77
Graphite India	1.71
Zydus Wellness	1.71
eClerx Services	1.69
Page Industries	1.68
ADF Foods	1.66
Apollo Hospitals	1.6
Castrol India	1.6
Navneet Publications	1.6
Supreme Industries	1.59
Pennar Industries	1.58
Ador Fontech	1.57
ITC	1.57
KCP	1.57
Opto Circuits (India)	1.56
Cummins India	1.55
Balmer Lawrie & Co.	1.51
Wipro	1.51
Pidilite Industries	1.47
I K F Finance	1.46
Jenburkt Pharma.	1.46
TTK Prestige	1.43
Federal Bank	1.42
Asian Paints	1.39
Berger Paints India	1.38
Sumedha Fiscal Services	1.36
Colgate-Palmolive (I)	1.35
Nava Bharat Ventures	1.35
South Indian Bank	1.35
Punjab National Bank	1.32
Cosmo Films	1.3
Britannia Inds.	1.29
Syndicate Bank	1.29
Hero Honda Motors	1.28
IL&FS Investment Managers	1.27
Nestle India	1.27
Glaxo Consumer Healthcare	1.23
Gruh Finance	1.22
Natural Capsules	1.21
Wyeth	1.21
Indian Bank	1.2
J&K Bank	1.2
Godrej Consumer Products	1.18
Sonata Software	1.18
Corporation Bank	1.12
West Coast Paper Mills	1.1
Karur Vysya Bank	0.93
Tata Elxsi	0.92
SRF	0.91
Indian Overseas Bank	0.89
Dhanuka Agritech	0.87
FDC	0.86
Blue Star	0.83
Clariant Chemicals	0.8
First Leasing	0.79
Era Infra Engineering	0.78
Manjushree Technopack	0.73
Anjani Portland Cement	0.71
Patels Airtemp (India)	0.68
ABC Paper	0.67
Tilaknagar Industries	0.67
V S T Tillers Tractors	0.66
Canara Bank	0.63
Roto Pumps	0.63
Ajanta Pharma	0.62
Jupiter Biosciences	0.62
Garden Silk Mills	0.58
KNR Constructions	0.57
TRF	0.57
Lincoln Pharmaceuticals	0.56
Sree Sakthi Paper Mills	0.55
Deepak Fertilisers & Petro.	0.52
Karnataka Bank	0.52
Union Bank of India	0.52
Astrazeneca Pharma India	0.5
Raj Packaging Inds.	0.5
Atul	0.49
Kabra Extrusiontechnik	0.49
State Bank of Travancore	0.48
Anuh Pharma	0.45
Elgi Equipments	0.45
Gillanders Arbuthnot & Co.	0.41
Acrysil	0.38
Sahyadri Industries	0.34
N C L Industries	0.3
G I C Housing Fin.	0.28
J B M Auto	0.23
Navin Flourine Int.	0.22

Edited by smartcat - 14/Jan/2010 at 8:27pm

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