Manoj Arora's Blog, page 13

Analysing Promoter Shareholding Patterns for your Stocks with Real Examples

It makes sense to keep track of what promoters are doing with their shares. It may give you a clue about where the company is headed. Let us see how to look at promoters shareholding patterns (and beyond just the data) with real life examples. Background We looked at promoter pledging of shares and how it impacts the quality of management for the stock that we are trying to analyse. 

7 Reasons why Kalpavriksha is one of the World's Most Transparent Organisations

This was a dream project, and one of my strongest reasons to take Financial Freedom. Started in 2016 with 2 trees in a nearby park, today we have reached close to 2,000 trees spread across the length and breadth of this great nation - with donations landing from across the globe. What makes Kalpavriskha one of the most trusted and transparent organisations, not only in India, but across the

What is Economic Moat and 5 Ways to Spot Companies with Moat

You can crunch all the numbers, but numbers will always represent history. Ironically, you are buying Stocks for future gains. And history can never guarantee future. Fortunately, MOAT is one of the factors that tries to defend the historical numbers - in the future. Background If numbers only represent history, and we are investing in Stocks for future gains, then what are the tools

Inflation - A Destructive Reciprocal of Compounding

Albert Einstein once defined Compounding as the 8th Wonder of the World. 100% agreed.  I would define Inflation as a 'Destructive Reciprocal of Compounding'.  Inflation is as powerful as Compounding (assuming you understand the power of compounding) - just that it is destructive in nature, and is ignored even more than Compounding.  If you think that you understand Inflation even today,

Repo Rate vs MCLR linked Home Loans

Banks give money to individual seekers like us, as well as to businesses - as a loan.  From where do Banks get the money to give us such loans? They get it through various deposits that their clients (like us) make. And from where else? Major chunk of the money that the bank gets, comes from the federal bank i.e. RBI in our case. What is the rate of interest that RBI charges from the banks?

The Cost of Lost Opportunity

During vacations, you may decide to visit a hill station, but it comes at the cost of losing the charm of a serene beach. Alternatively, you might decide to go and explore the historical monuments to marvel at their architecture, but it also comes at the cost of losing the fun and awesomeness of visiting a modern theme park. Here is another one. You might not take any decision, or decide not

Announcing 2 National Bestsellers, exemplifying the beauty of Delayed Gratification

                         There is something about delayed gratification that pulls a person desperately towards it, and pushes the other person out to the extent that one tends to hate it.  The difference lies, perhaps, in whether you have understood how nature plays delayed gratification in every walk of life.  Once you understand it, and start to love it - you will be the biggest

What are Quant Funds, and why are they NOT an outright success?

Automation is taking over many highly paid jobs around the world and money management may be no exception. One illustration of this phenomenon is Quant funds. What are Quant Funds? A quantitative fund (or Quant Funds, in short) is an investment fund in which investment decisions are determined by numerical methods rather than by human judgment. A quant fund, is therefore, a mutual fund

Meet another Freedom Seeker - Anand Managoli - a Director from Karnataka, India

Last time, we met an energetic and a passionate professional from Hyderababd, India : Mr. Deepak Shandilya, who is already on his journey towards financial freedom.  Today, you have an opportunity to meet another young and dynamic enterpreneur, a self made man, Director of SR Process Controls Pvt Ltd., Hubli, Karnataka, India - Mr. Anand Managoli The response to such posts has been

Holding Mutual Funds in Demat Vs SOA Format

Mutual Funds can be held either in de-materialized account or as statement of account (SOA). Both forms are digitized. There are no paper certificates. Then, how do we know which form is better for us. Demat units are held in your demat account with your depository participant (DP). SOA Units are held by your fund house and the statement of accounts is issued to you (which is the