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Financial Markets are Colorful

Things to Look out For

Benjamin Graham in his book “The Intelligent Investor” defines investment activity in the following words:

“An investment operation is one which, upon thorough analysis promises safety of principal and an adequate return. Operations not meeting these requirements are speculative.”

These words of wisdom on investing by Mr. Graham are unique and have significant Communication in-bytes as follows:

Investment Operation – Investing requires adequate efforts in terms of research and understanding the investment options available, determining their suitability for the needs of the investors and their appropriate value. Investing is not a one-time activity, but one that requires regular tracking, monitoring and suitable changes to the investment decisions based on new set of information and understanding. The activities associated with investments must be undertaken in a disciplined and systematic way. Mr. Warren Buffett also stated “Investing is most intelligent when it is business like.”

Thorough Analysis – Buying shares of a company is equivalent to taking part ownership in a business. Indeed, buying a business (fully or partly) is alternative to starting a business and would demand same kind of research and analysis as would be required when considering to start a business on various dimensions of the business – product, customers, inputs, outputs, bargaining power of business vis-a-vis other external parties such as suppliers, customers and others, competition, regulatory environment, potential opportunities, threats.

Safety of Investment – Graham says that first objective in investing has to be to protect the investment value for which it is important to identify opportunities that provide a margin of safety (MOS). In investments, this means investing in opportunities available at prices lower than their perceived value. Backed by strong research and monitoring, an investment portfolio should be able to protect the investor’s investment value over a suitable investment horizon, despite short-term fluctuations in the market.

Adequate return – While meaning of adequate is not defined by Graham, it would probably mean risk adjusted return in comparison to other competing avenues for invested capital. It is important to understand the risk and return features of an investment before committing to it. Investors that follow the above tenets are said to be engaged in investing. Following are the learning(s) for common investors from this definition of investing.

Difference between investing and speculating – There is an unambiguous demarcation between investing and trading. Investing money without going through the rigor of understanding and analyzing the investment options, their risk and return features and appropriate value would be like taking a bet or speculating rather than investing. Such activity has a greater chance of losing rather than making money for the investors. Speculation is typically short-term calls made with leveraged funds, unlike investing money which is a long-term disciplined activity for creating wealth.

Align Investment to Needs – A good investment option available at a reasonable price may still not be suitable for an investor if it does not meet his investment needs. Investment needs can be primarily defined in terms of the nature of return required, the risk that the investor is willing to take and the investment horizon. For example, investing in a well-researched growth stock may not be suitable for a retired investor looking for regular income from his investments.

Investing demands hard work – The activities involved in investing require a large commitment of time and efforts, along with the skills and understanding to collect relevant data, analyze the investment options, execute the decisions and monitor the investments made. Most investors may find that they fall short on these requirements. Making investment decisions without the necessary skills would mean that the investor’s money is not being deployed in the best way possible.

Become a skilled investor or hire someone to manage money – The investors can either develop the skills required to make and manage their investments or find someone with the qualification who they can trust to do so. Investors should never forget to do due diligence (research) on the money manager. They should focus on aspects such as qualification, experience, performance track record, systems and support facilities, integrity, philosophy of investing and other relevant factors of the money managers.

 

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#1. Over 90% of trading volume in Indian stock markets happens at?

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#2. BSE has been in existence since 1875. Whereas, NSE has been founded in 1992 as a result of Harshad Mehta Scam

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#3. The overall development, regulation & supervision of Indian Stock Market Rests with?

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#4. Of the following options you cannot own stocks through one of the means

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#5. Financial markets enable economic growth by

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#6. Which of the following markets is directly influenced by the policies of the RBI?

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#7. The terms on which a security is issued is primarily decided by

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#8. The market for trading in securities already issued is called

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#9. An unlisted company cannot make a public issue of debentures. State whether True or False.

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#10. An investor bids Rs.45 in a book built public issue where the cut-off is discovered as Rs.50.

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#11. Payment for a public issue can be made through which of the following modes after Jan1, 2016?

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#12. The share capital of a company will NOT increase when there is a

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#13. The asset class in which a fund will invest will be defined by

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#14. The interest rate risk in a debt fund will depend on

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#15. In a fund of fund the portfolio consists of

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#16. The dividend distribution tax applicable for individuals in equity funds

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#17. What is the tax benefit available on the Senior Citizen Savings Scheme?

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#18. Corporate bonds with high credit rating

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#19. A call option is likely to be exercised if

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#20. Which of the following investment is unlikely to provide inflation-hedged returns?

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#21. A retired person is depending on a monthly annuity income to finance his expenses. The greatest risk faced by his cash flows is

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#22. Investment in a government security issued at a fixed interest rate is subject to

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#23. An investor purchases equity shares of a Sugar producing company. The returns from his investment do not face

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#24. An investor holds a large portfolio of shares from different companies and industries. Her portfolio is likely to be protected from

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#25. Investment A appreciates in value by 20% after one year. Investment B appreciates by 40% after three years. Which gives a higher return?

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#26. An investment in 7% tax free bonds is compared with an investment in a 9% bank deposit where interest is taxable. Both have a one year investment horizon. Which of the following is true?

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#27. Simple absolute return is an appropriate measure of return for

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#28. Annualization of returns enable

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#29. Which of the following is a financial goal?

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#30. Mr. Khanna requires Rs.10 lakhs in six months time to pay his son’s admission fees. An appropriate investment to set aside money for his goal would be

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#31. Jaya needs Rs.5 lakhs urgently for an emergency medical procedure. Which investment is she most likely to tap?

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#32. A conservative investor wants to accumulate Rs.20 lakhs in 3 years time. What would be an appropriate investment option for him?

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#33. Which of these asset classes is most likely to meet the objective of generating regular income?

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#34. Which of these asset classes is primarily used to meet regular needs for liquid cash?

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#35. The long term goal of a young investor is to build a corpus that is adequate to serve his income needs after retirement. The portfolio when constructed, should have a higher allocation to

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#36. An investor who seeks a high level of return and is willing to bear the risks of such investments is likely to be recommended

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#37. Which of the following products is a pure insurance product?

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#38. In which of the following situations will the insured not have insurance cover?

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#39. The premium payable on a ULIP is higher for the same sum assured as a term policy because

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#40. The term of insurance in non-life insurance is typically

#41. Growth-oriented investments are suitable for which stage of retirement savings?

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#42. Inflation does which of the following to retirement planning?

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#43. The retirement corpus may require review

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#44. Which of the following is a solution to manage inadequacy of retirement corpus closer to retirement?

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#45. Commission received from business forms part of income from ___________.

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#46. Long term capital gain from sale of shares is ____________________.

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#47. The Rajiv Gandhi Equity Savings Scheme, 2012 allows exemption up to _______ for investments made in eligible securities up to Rs. 50,000.

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#48. For a person to be qualified as a NRI, he must have stayed outside India for more than _____ days in a previous financial year.

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#49. Which of the following persons is expected to comply with registration requirement under SEBI (Investment Advisers) Regulations, 2013:

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#50. The minimum tangible assets to be maintained by an individual investment adviser are Rs. _______.

#51. Registration and regulation of securities market intermediaries is the function of _____.

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#52. A person who has a complaint against an insurance company must lodge his complaint with___.

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#53. Analysis and Decision making, the two imperative parameters involved in are affected by which of the following factors?

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#54. What is the role of Research Analyst?

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#55. Sell side Analyst generally work for money managers like mutual funds, hedge funds, portfolio managers who purchase and sell securities for their own investment accounts or on behalf of their clients. State whether True or False.

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#56. Which of these Qualities are desired in a good research analyst?

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#57. Where the entire face value of the debenture is converted into equity shares, it is known as _____________.

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#58. Depository Receipts which are issued in India and listed on an Indian Stock Exchange with foreign stocks as underlying shares, is known as ____________.

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#59. A bond is issued at a face value of Rs.100 and a coupon of 10% p.a. The interest rates in the market have increased subsequently. This bond is likely to quote at:

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#60. Calculate the Enterprise Value based on the given information: Market Capitalisation= 10 lakhs; Total Debt= 3 lakhs; Cash = 4 lakhs.

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#61. Bonds which have embedded call option in them are known as Callable Bonds. State whether True or False.

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#62. Speculation is _____________ calls made with leveraged funds, unlike investing money which is a _________ disciplined activity for creating wealth.

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#63. Fundamental analysis includes which of the following?

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#64. The time span over which price and volume are observed factors in the impact of long term factors that influence prices over a period of time. State whether True or False.

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#65. In technical analysis, impact of day to day fluctuations in prices is annulled by which of the following factors?

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#66. Focus of microeconomics is on factors that influence aggregate supply and demand in an economy such as unemployment rates, gross domestic product (GDP), overall price levels, inflation, savings rate, investment rate etc. State whether True or False.

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#67. Two major influencers of the public policies in an economy are __________ & _______________.

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#68. National income of an economy can be measured through which of the following methods?

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#69. The fiscal deficit is bridged by the government through market borrowings, both shortterm and long term. State whether True or False.

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#70. An industry where rivalry is high, the end result will be _____ pricing power and ______ incomes for the industry participants.

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#71. Who can exert a lot of pressure and dictate prices, if there are a large number of sellers with similar products/services?

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#72. Which of the following is considered as an economic factor in PESTLE analysis?

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#73. What does Industry structure in Structure Conduct Performance (SCP) analysis refer to?

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#74. Unhealthy practice in the Securities Markets includes which of the following?

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#75. Leverage ratio is a part of __________ parameter of business analysis.

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#76. Which of the following is not a valuation parameter for business analysis?

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#77. If a stock has exceeded its Target Price, an analyst may recommend __________.

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#78. ____________ bias can prevent investors from benefiting from market corrections.

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#79. Business risk is also known as operating risk, because this risk is caused by factors that affect the operations of the company. State whether True or False.

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#80. Calling feature in bonds _____.

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#81. Which of the following is a non-cash charge?

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#82. What is the earnings yield, if the price of a stock is Rs. 195 and EPS is Rs. 13?

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#83. How is price to earnings ratio calculated?

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#84. When companies give new shares to their existing shareholders without any consideration, it is known as _________.

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#85. Companies Act requires that a company which wants to raise further capital through an issue of shares must first offer them to the existing shareholders and such an offer of shares is known as ______.

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#86. Changing the structure of share capital of a company by increasing the par value of its shares in a defined ratio and correspondingly reducing the number of shares to maintain the paid up/subscribed capital is known as __________.

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#87. Which of the following items are found in an income statement?

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#88. Which section in the Cash Flow statement will provide the information about the amount of funds that a company borrowed during the preceding year?

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#89. Which of the following measures the ability of the company to satisfy its short term obligations as and when they come due?

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#90. Price to earnings ratio of a business is 10, price to book value ratio of this business is 5, book value per share is Rs. 15and outstanding number of shares are 10,000, what would be the return on equity of this business?

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#91. In Mutual Funds, Investment objective is closely linked to ________.

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#92. In Mutual Funds, Application form is attached to ______.

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#93. The maximum initial commission that a Mutual Fund scheme can pay to distributors is ____.

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#94. The distributor of Mutual Funds can charge a fee from the investor.

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#95. The difference between NAV and re-purchase price is _______.

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#96. For a debt scheme with corpus of Rs. 250 crore, what is the maximum amount that can be charged by the AMC as recurring expense, if all moneys have come from the Top 15 cities?

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#97. STP is a combination of SIP and SWP.

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#98. Investors’ KYC details are stored in the server of _____.

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#99. The most appropriate measure of returns for a scheme in existence for several years is ______.

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#100. Risk can be measured by ______.

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#101. Risk appetite of investors is assessed through _______.

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#102. The objective of asset allocation is risk management.

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#103. The asset allocation that is worked out for an investor based on risk profiling is called _______.

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#104. Model portfolios are a waste of time for financial planners.

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#105. How much equity would you suggest for a young well settled unmarried individual

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#106. Today’s costs can be translated into future requirement of funds using the formula:

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#107. Providing funds for a daughter’s marriage is an example of _______.

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#108. According to the Certified Financial Planner – Board of Standards (USA), the first stage in financial planning is _____________.

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#109. Investor can get into long term investment commitments in ________.

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#110. Distribution phase of Wealth Cycle is a parallel of Retirement phase of Life Cycle.

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#111. The comparable for a liquid scheme is _______.

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#112. Which of the following aspects of portfolio would an investor in a debt scheme give most importance?

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#113. Mutual fund ranking and rating amount to the same.

#114. Which of the following is not a measure of Risk

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#115. An Indian fund invested USD 15mn in a foreign fund, when the exchange rate was Rs 46.67 = 1 USD. Over a period of time, the portfolio appreciated to USD 18mn, when the exchange rate was Rs 45 = 1 USD. What is the rupee portfolio return?

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#116. Which of the following is false of Exchange Traded Funds?

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#117. Which of the following entails the maximum project risk?

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#118. Liquid schemes and plans can make investment in (i.e., purchase debt and money market securities) with maturity of upto 182 days.

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#119. An investor wants to transact in units of multiple AMCs. Which is likely to be the most convenient website to do the transactions?

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#120. For a purchase through the transaction engine of a stock exchange, the new units will be first credited to __________.

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#121. The fundamental analyst has estimated the theoretical price of a stock to be Rs 20. It is now trading at Rs 12. What is the margin of safety?

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#122. Which of the following is / are example/s of computer-based trading?

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#123. Money market and debt securities, including floating rate securities are valued in mutual fund schemes on amortisation basis if the residual maturity is upto _______ days.

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#124. Which of the following are a part of unit-holders funds in the scheme?

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#125. Dividend receivable from listed companies should be recognised in the books of the scheme on ______________.

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#126. Front-end discount in a privately placed debenture should be recognised by the scheme as _________________.

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#127. Rental income has to be recognised in a mutual fund scheme on _______________.

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#128. Securities Transaction Tax is applicable on

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#129. Dividend distribution tax is applicable at ___% on investors other than individuals and HUFs

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#130. The minimum holding period for capital gains to qualify as long term in the case of ETFGold scheme is

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#131. Long term capital loss can be set off against

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#132. Inception date is ___________.

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#133. Unit-holder can nominate upto ___ nominee(s).

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#134. Which of the following is a sound measure for returns over long periods of time?

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#135. ___ is a single number for the scheme, which can be compared with the market return.

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#136. Which of the following is / are growth assets?

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#137. Capital Protection Oriented Schemes are always ______________.

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#138. Market-linked debentures suffer from model risk and credit risk.

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#139. Hedge funds are _________.

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#140. The purchase of a share in one market and the simultaneous sale in a different market to benefit from price differentials is known as ____________.

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#141. Operational risks include losses due to ____________.

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#142. Value‐at‐risk provides the ______________.

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#143. If price of a futures contract decreases, the margin account of the buyer of this futures contract is debited for the loss.

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#144. Liquid Assets maintained by Mr A (Clearing Member) are higher than that maintained by Mr B (Clearing Member). Which of the following statements is true?

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#145. Initial margin collection is monitored by the _________.

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#146. Value‐at‐risk measures ___________.

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#147. A member has two clients C1 and C2. C1 has purchased 800 contracts and C2 has sold 900 contracts in August XYZ futures series. What is the outstanding liability (open position) of the member towards Clearing Corporation in number of contracts?

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#148. A trader has bought 100 shares of XYZ at Rs 780 per share. He expects the price to go up but wants to protect himself if the price falls. He does not want to lose more than Rs1000 on this long position in XYZ. What should the trader do?

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#149. Mark‐to‐market margins are collected ___________.

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#150. If an investor buys a call option with lower strike price and sells another call option with higher strike price, both on the same underlying share and same expiration date, the strategy is called ___________.

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#151. What is the cost of Acquisition for an investor who bid for 1000 shares at Rs. 100 borrowing 75% of the requirement at 2% interest rate & processing charges.

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#152. Mr. A is a conservative investor who is looking to invest in equity markets. He is evaluating shares of VKP Ltd. with a PE Ratio of 22, PEG ratio of 0.98, dividend yield of 3.5! In such case which of the following make VKP Ltd unsuitable for Mr. A

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#153. Mr. A is a conservative investor who is looking to invest in equity markets. He is evaluating shares of VKP Ltd. with a PE Ratio of 22, PEG ratio of 0.98, dividend yield of 3.5! The PEG ratio of the company classifies it as

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#154. Mr. A, the conservative investor, is attracted by the high dividend yield of the stock. Which of the following is a likely feature of the investment going forward?

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#155. A decrease in interest rates is likely to see a greater impact on the price of which bond?

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#156. Ms. L takes a loan against her mutual fund holdings. Only a portion of her units are required as security. How will she give effect to this?

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#157. XYZ earned a gross salary of Rs 10,000, including company’s contribution to provident fund of Rs 500. XYZ earned Rs 200 towards interest in the savings bank account. Expenses during the month were Rs 7,000. What is the savings ratio?

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#158. Savings to Income Ratio measures the preparedness to meet long term goals such as retirement

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#159. Liabilities imply an obligation to repay the loan from the future income.

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#160. Despite having assets, a person may be insolvent, if the liabilities are higher than the value of the assets held.

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#161. Liquid assets are those assets that can be easily converted into cash at short notice to meet expenses or emergencies. Which one of the following does not qualify as Liquid Asset

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#162. Which of the following is an indication of indebtedness?

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#163. Mr. P earns a gross salary of Rs 50,000, including company’s contribution to PF of Rs 5,000; an equal contribution is made by Mr. P. Deductions are made towards loan repayments of Rs 4,000 and investments of Rs 1,000. Mr. P receives Rs 3,000 towards income from past investments. He spends Rs 7,000 on rent, Rs 11,000 on grocery and Rs 15,000 on other expenses! What is the net take home salary of Mr. P?

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#164. Mr. P earns a gross salary of Rs 50,000, including company’s contribution to PF of Rs 5,000; an equal contribution is made by Mr. P. Deductions are made towards loan repayments of Rs 4,000 and investments of Rs 1,000. Mr. P receives Rs 3,000 towards income from past investments. He spends Rs 7,000 on rent, Rs 11,000 on grocery and Rs 15,000 on other expenses! What is the monthly surplus of Mr. P?

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#165. Mr. P earns a gross salary of Rs 50,000, including company’s contribution to PF of Rs 5,000; an equal contribution is made by Mr. P. Deductions are made towards loan repayments of Rs 4,000 and investments of Rs 1,000. Mr. P receives Rs 3,000 towards income from past investments. He spends Rs 7,000 on rent, Rs 11,000 on grocery and Rs 15,000 on other expenses! What is the monthly savings of Mr. P?

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#166. Mr. P earns a gross salary of Rs 50,000, including company’s contribution to PF of Rs 5,000; an equal contribution is made by Mr. P. Deductions are made towards loan repayments of Rs 4,000 and investments of Rs 1,000. Mr. P receives Rs 3,000 towards income from past investments. He spends Rs 7,000 on rent, Rs 11,000 on grocery and Rs 15,000 on other expenses! What is the savings ratio of Mr. P?

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#167. EMI for a loan can be worked out using the _____ function in MS Excel.

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#168. Which of the following depends on the market?

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#169. Ms. T invests Rs 60,000 in a 10% yielding asset, using leverage of 1.4 times. Borrowing was at 9% p.a! How much own funds did Ms. T invest?

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#170. Ms. T invests Rs 60,000 in a 10% yielding asset, using leverage of 1.4 times. Borrowing was at 9% p.a. How much interest did Ms. T need to pay?

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#171. Ms. T invests Rs 60,000 in a 10% yielding asset, using leverage of 1.4 times. Borrowing was at 9% p.a. What was Ms. T’s net return?

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#172. Ms. T invests Rs 60,000 in a 10% yielding asset, using leverage of 1.4 times. Borrowing was at 9% p.a. What was Ms. T’s return on equity?

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#173. Mr. C is a 45 year single earning member of his family with a good income. He is saving for different financial goals, some of which are due for funding now. He has a home loan and car loan that he is servicing! How would you best categorize Mr. C’s risk profile?

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#174. Mr. C is a 45 year single earning member of his family with a good income. He is saving for different financial goals, some of which are due for funding now. He has a home loan and car loan that he is servicing! What are the assets that will be most suitable for Mr. C given his situation?

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#175. Mr C. has to park the funds from fixed deposits that have matured for a short period till it will be used for his daughter’s education. What will you suggest as a suitable investment option?

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#176. Which of the following will define the risk and return features of a mutual fund scheme?

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