FinanceTalk's Blog

This year has not really been very positive for corporate India and also for the key stock market indexes, Sensex and the Nifty. The year began with the unveiling of one of the biggest scandals of India Inc—The Satyam Scam. The case has not only given a bad name to the much promising India IT sector but also the entire corporate India. Though the government has taken all possible measures by appointing a new board of directors that comprises of high profile names like Deepak Parekh and Tarun Das, it remains to be seen how things shape up for Satyam. The newly appointed Satyam board has already started taking steps to bring the company back on track. After appointing KPMG and Delloite as the new auditors to restate the accounts of the company, the board is now looking for a new CEO and CFO for the company.

As far the BSE Sensex news is concerned, in the first two weeks of January stocks are being driven by news flows in the absence of fundamental and macro economic factors. The stock of Satyam Computer has been battered completely following the sudden turn of events. The company was chucked out of the India Sensex pack recently Also, the shares of Maytas, the company promoted by Ramalinga Raju’s sons have taken a major hit. Infact, broad based selloff is seen across the board on negative global cues. The Sensex today is hovering around the 9,000 levels. More pain appears to be left for markets across the world especially after banking biggies, Citi and Bank of America reported huge losses.

So amid the current mayhem, investors and analysts are busy debating whether equities, even the frontline BSE Sensex stocks, losing their sheen as an asset class gradually. If no, then what options do investors have and how should they restructure their portfolios so as to have a well-balanced combination of financial assets. First, let us take a look at the basics. Investors purchasing shares of stock either expect to receive a portion of the company's profits in dividends, expect the price of the stock to go up, or both. In seeking dividends and price appreciation, investors are taking on inherent risks. If the company, the market, or both weakens, then the investor risks losing all or a portion of his investment. Stocks offer no guarantees to investors, but over long periods of time they have performed better than any other type of investment. Over the long-term, stocks are counted as one of the best vehicles for overcoming inflation and building wealth.

Apart from stocks, other financial investment avenues in front of the investors are bonds, mutual funds, insurance etc. Before making investments investors should first answer several questions. For instance, they should check what’s already there in their portfolios. They should also clearly define the goals for their investments. They should be equally clear about their holding period. Investors should also see what return they need to earn to meet their goals. Thereafter, they should decide how much risk they are willing to take to meet their goals. Finally, they should also very clearly ask themselves that how much time they would like to devote to their investments.

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