Date : 31st July 2013

Dear All,

With this I'm Starting My 1st Blog.

What I'm going to share is something which I'm personally following since last 13 months and got approx 43% return in 1st year itself.

During 3 year tenure in Newswire18 I've interacted with lot of Brokers and their so called "Research Analysts" and found that this division is being created to increase brokerage and not client's wealth.

People like me who used to invest and trade in 2008 are non-participants now which is not right way to deal with as far as personal finance is concerned.

What I've been doing since last 1 year is

--> Investing in Index Fund (Nifty plan) when I feel Nifty is oversold. E.g. Like this today I've shifted to Equity.
Benefits : No Entry Charge, Very little FMC, No Exit Charge If holding over 7 days. Participating in Growth with Moderate Risk

--> Switching to Short Term Gilt Fund when Nifty is Overbought.
Benefits : No Entry Charge, Very little FMC, No Exit Charge If holding over 7 days. Getting FD like returns at the time when Market is going down basically protecting my money.

In Last one year I did around 10 switches (missed 6 opportunities) out of which 1 went wrong and return was 43% (net could be 40% after brokerage etc.)

Same above strategy I'm applying to my ULIP fund, though most of funds are not exactly replicating to NIFTY but this will mostly work to the tune of 80-90%.

Markets were and will remain volatile, What I'm doing is participating in growth, sitting idle when it goes down, again participating in growth.

Biggest benefit of this is I require just 5 min in morning and 5 min in evening to evaluate and there is no stress which I'm carrying, No Risk I'm carrying, No Leverage in F&O nothing. Pure Investing.

Please don't follow this using F&O as NIFTY and NIFTY-Future behaves in different manner.

I'm sharing this to you all so that you can also get benefited.

Nehal Shah