Originally posted by basant Completely agree. Am trying to be active again as you would have noticed over the past week.

Thank you!

Originally posted by basant Completely agree. Am trying to be active again as you would have noticed over the past week.

this should encourage other senior members also to post their views more frequently

Originally posted by rajnsharma PS: All of my personal wealth except the home I live in, are in equity and I have no regrets. TED(and Basantjee ofcourse) has changed my perspective and I have been able to compound at TED standard rates in last 4 years.

Originally posted by prabhakarkudva Same here. All my net worth into equities and all because of TED and the man who is running it. Excel ji your statement might be true for moneycontrol forums but definitely not on TED :) We all mind big time losing 30% of our portfolio.

Originally posted by retailinvestor They gave me good education and my biggest asset is my earning power! Looked after financial needs of my parents and now I don't have any family liabilities. .

Originally posted by pikrohit I have around 15% in equities because I want to buy a flat for myself in Pune. The flat prices seem just too much to me. Wondering what to do...go ahead, take a big loan and buy the flat, or put the money in equities and wait for real estate price to come down. The latter might not happen

 

Here , something is missing in the overall portfolio and no one is willing to say . I might be wrong here . The comments made by me is just an opnion and open to debate. This might irate some TED salaried members . So ,please calm down and give a thought to this scenario.

Depending on the "context" of the individual , this might not apply for non-salaried individuals or enterpreneurs or unemployed or full time investors or students .   

Rajnsharma. Prabhudeva, retailinvestor, pkrohit -:

I think these individuals are working professionals . They might be young or old .

Rajnsharma, based on your comment  in Gruh Finance thread , I think you are a working professional . Your overall portfolio cannot be full in equities. You do have a debt fund , that is  contribued by you from your monthy salary  and your employer  and that is ,"employee provident fund"/"pension" and the "Gratuity" component that is paid by your emloyer(this might not be yours , but employer does . Note that gratuity component differs from company to company).Also, based on your comment in Gruh Finance thread and if you are working there till now(salary hike year on year, pf interest rates hike etc..)  , you might have a good chunk in debt portfolio depending on your experience  and that might change the debt to equity ratio of yours .

So , there is no harm when primary skill(the salaried) goes on contributing in debt portfolio(employee provident fund /pension) and the secondary(other skill) goes on to equities and that in equities , be it 100%. He/she knows that a safe debt fund (employee provident fund/pension) is present with him/her . So , losing 100% of equity in your portfolio is not at all a problem .

Also , "insurance "-be it life or term or home loan  etc  will also be there.

Also , there might be liability like home loans , auto loans , shares pledges to take loan , loan against shares, gold etc.

Same goes to Prabhudeva, retailinvestor, pkrohit and many more salaried TED colleagues.

Remmeber , from the context of full time investors(both middle and young , but not old/senior citizens) like Basant(happy that he nows owns Basant corner and hope it will get bigger ) , smartcat(another full time investor ) etc. who earns full time by investing and that is in equities (some might have  debt portfolio to handle fixed income ), which is their primary skill .   

Once I watched an interview by Rakesh J. In that interview , he mentions that even though he is a full time investor and his overall portfolio is in equities , he has no fixed income and that he pays interest(leverage)

Salaried TED colleagues need to think about this in their networth. 
          
I learnt this lesson as I am salaried .


Edited by smarar - 21/Jan/2013 at 1:03am