ETFs (Exchange Traded Funds): All you need to know

What are ETFs?
ETFs (Exchange Traded Funds) is an investment fund which is traded on stock exchange. ETF is a lot of shares that are listed and traded on stock exchange. The Basic difference of ETFs and traditional mutual funds is its availability for trading on the stock exchange.

How the price is calculated?
ETFs also have a net asset value which is popularly known as price. NAV is calculated as per the market value of the share / bonds contained in the ETFs. This also takes care of cash on hand and unpaid dividend. Thus payment of dividend has impact on the ETF's NAV. The trading price of ETF can be same as ETF can be traded on premium or discount based on demand and supply of ETFs and owing to various market factors and arbitrage.
The NAV of the ETF doesn't always represent weighted average index of the investment in the Fund. The difference is known is an ETF tracking error.

Reasons for ETF tracking error
The primary reasons for an ETF tracking error are dividend declared, expenses by fund house etc. Because of inevitable reasons, ETF tracking errors are unavoidable but as an investor, we like to see the lowest ETF tracking error for fund.

Benefits of ETFs
1. Can be easily traded on the stock exchange during trading hours like shares. Price is available online or through any stock broker.
2. Transparency is better because it publishes the list of investment daily.
3. Liquidity is also as good as it can be sold on the markets during trading hours.
4. Users can benefit from diversification within an asset class.
5. Investors can avail of tax benefits for dividends received.
6. It doesn’t not require active participation of investors as buying and selling of shares are managed by fund manager.

Limitations of ETFs
1. It provides very limited geographic diversification as funds don’t represent stocks listed on other world market.
2. Higher tracking errors directly affect investor’s profit & loss. Investors should go for lower tracking errors.

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Team TheEquityMarkets

Ten rules to selecting a Mutual Fund

Please visit our website to know about the tips for choosing right Mutual Fund in your portfolio.

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Team
The Eqyity Markets

Ten rules to choosing the right shares to buy

Please visit our website to know about the tips for choosing good shares in your portfolio.

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Team
The Eqyity Markets

Pension Plans - A Good Retirement Options

Everyone has to think about their retirement and a pension plan would be your safest and best bet. Here are some tips to help you select the right pension plan for you.

1. How does a typical Pension Plan work?
2. What are its plus points?
3. Buying annuity is compulsory
4. Taxation is an issue
5. Flexibility suffers
6. Low diversification
7. Pension Plan or Own Investment Portfolio
8. Pension Plan from Insurance Companies
9. Pension Plan from Mutual Funds
10. The New Pension Scheme

The all above points are discussed in depth on our website.
Visit http://www.theequitymarkets.com/pension_plan.htm

Regards
Team The Equity Markets

Trade in Share Markets Through Mobile Phones

The Indian Stock markets entered a new Arena of technology by entering into mobile trading. now go for wireless and a hassle free trading on your finger tips. With the Indian Stock Exchanges launching mobile trading platform, the stock market is all set to get a tech boost.

A month ago, the Securities and Exchange Board of India gave permission to the stock exchanges and brokerage houses to offer mobile trading services to their clients. But many investors have a question:

How To buy and sell shares through Mobile phones?

Click above link to know more in depth.

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Team
The Equity Markets

Indian Brokerage House Charges

Brokerage Charges of Major Indian Brokerage Houses

Here you will find a table comparing intraday brokerage charges and delivery brokerage charges charged by different online brokers in India :

Sharekhan,
ICICIdirect,
Motilal Oswal,
Religare,
SBICAP Securities,
Angel Broking,
Indiabulls,
UTI Securities,
HDFC Securities,
Indiainfoline,
Reliance Money

An In-depth comparison of brokerage charges of major brokerage houses in India

How to get Rid Of Bad Debt and loans

In this fast changing world the notes are being replaced by plastic money (cards). but this plastic money sometime takes the customer in a debt trap if not used wisely. Now we generally see young professionals using credit cards, which often exceeds their payout limits and then starts a cycle of Debt trap.

Here now we will tell you about debt trap and its impact on the CIBIL credit report. Many are stuck in debt trap and looking for a way-out.

What is 'Debt trap’?

To understand the word 'Debt Trap', let’s take the example of Mr X; a bachelor who lived life king-size. He recently got married and continued his lavish lifestyle. Had honeymoon in Europe and thereafter a couple of weekend trips within India. His entire expenses were paid via a personal loan and credit cards. Within four months of his marriage, his entire salary was going toward repaying living expenses and EMIs leaving him no savings at the end of the month.

He now fears any default in repayment would put him in trouble and ruin his Credit Information Report (CIR) managed by CIBIL.

What should one do to avoid a similar situation?

Read more to know options to get rid of bad debt

Regards
Team
TheEquityMarkets

Family Health Insurance Policy

Family floater health insurance plan

Due to rising medical bills and premiums with limited income sources its very difficult to take individual health cover for each and every member of family. So to get rid of making individual insurance of family members there is a best option called family floater plan which is specially designed to cater health cover to every family member in a single premium.

Now, what is family floater plan?

A Family Floater Health Insurance plan is a single insurance policy for your entire family where you have total policy upper limit but not individual limit for any family member.

To know more about these family health policies Visit our website

Regards
Team
TheEquityMarkets

Indian Postal Department Saving Schemes

Besides Share Market, Bank Fixed Deposits, Mutual Funds, ULIP's, there is another scheme which is quiet oldest and also one of the safest schemes for fixed returns as they are backed by Govt Of India, and are also the largest selling in both Urban and Rural India.

The Post Office Schemes :- A bunch of schemes offered by The postal department of India, and are available for everyone ranging from 100 Rs to Several Lacs with options of monthly and one time investments.

Here we will present the complete details of all investing schemes by the Indian Postal Department.

Why should you invest in Post Office Schemes

These schemes are offered by the Government of India.
Safe, secure and risk-free investment options.
No Tax Deduction at Source (TDS).
Nomination facility is available.
Nomination can be changed at any time
The instruments are transferable to any Post Office anywhere in India.
Attractive rates of interest.

Post Office Schemes:

Post Office Monthly Income Scheme
Post Office Time Deposit Scheme
Post Office Savings Account
National Savings Certificate
Kisan Vikas Patra

Govt schemes also offered through Post Offices:

Public Provident Fund
Senior Citizen's Savings Scheme

Do look at post office once for best and safe returns in a hassle free way.

Regards
Team
TheEquityMarkets

Basic Tips About Car Insunace Policies

Introduction

If you are planning to buy a Car, it is worth paying attention on carious clauses on insuring your own vehicle. There are various factors like Insured’s Declared Value (IDV) and No Claim Bonus (NCB) will add or reduce the cost of your insurance. It is advisable to know the facts before you buy an car insurance. This website will give you basic idea on what are the various factors you have to consider while buying the Car insurance.

to read the full article please visit TheEquityMarkets

Do come back here to post your valuable comments and queries.


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Team
The equity markets

Infrastructure Bonds- an In-Depth coverage

BUDGET 2010 saw the Finance Minister doling out sops to push infrastructure investments in the country. One key sop - the tax benefit to individuals on investment of up to Rs 20,000 in infrastructure bonds under section 80CCF. And this, over an above the current limit of Rs 1 lakh that section 80C provides.

The Central Board of Direct Taxes (CBDT) has now notified New Infrastructure Bonds. An individual or Hindu Undivided Family (HUF) can invest in these new infrastructure bonds up to Rs 20,000 in a financial year. LIC, IFCI, IDFC and other NBFCs classified as Infrastructure Company by RBI will be allowed to issue these bonds, called Long Term Infrastructure Bonds.

The minimum application amount for these bonds is Rs 5,000 and multiples thereof for each option.

The issue opens on August 9, 2010 and closes on August 31, 2010.

to know all in Depth like where to buy, how to invest, pros and cons, requirements, do's and dont's visit TheEquityMarkets
come back here for your queries

Regards
Alok

Cashless Medical Claims Dispute between Hospitals and Insurance Companies

There was this furor over the withdrawal of cashless settlements, in case of Medical insurance policies by PSU insurers. Newspaper & Magazine headlines screamed sensationally - “take cash with you, even if you are cashless”.

The root problem has been around for long. Only that, it has now boiled over. Medical Insurance is an area where insurers have been making losses. Overcharging by hospitals and doctors & various frauds, has been prevalent, in those cases who have medical insurance.

Finally, PSU insurers pulled the plug and withdrew cashless settlement in all, but a selected list of Preferred Provider Network (PPN). This was met with howls of protest. FICCI came out strongly that the insurers cannot unilaterally withdraw something they have promised to their policyholders. Hospitals understandably protested. Policy holders got worried about this sudden turn of events.
Many policy holders were serenaded with offers from private insurers, who made a virtue of the fact that Cashless settlement are still available through them, across the board.

I have been poured with queries from people who want to know if they should go to private insurers, due to the cashless option being available across the board, in their case. I have been counseling them not to take hasty decisions, as

1) What has happened with PSU insurers can happen with private insurers as well, because the overbilling problem is faced by both
2) PSU insurers may soon negotiate with all major hospitals and bring them back on board – it’s just a matter of time.

PSU insurer’s premiums have generally tended to be lower and that is in the interest of the policyholder.

Policyholders have traditionally turned a blind eye to charges, as long as they could be covered by the policy. This is a serious mistake ethically and even in their interest. If there is overcharging, the balance amount in the Sum Assured available for claims in the year, reduces; also, premium can go up more due to the higher claims. It is in the interest of the policy holders to look out for padding in the charges.

We all have access to someone in the medical field. We can ask around and find out, how much a particular procedure could cost. One would at least get a ballpark figure, that way. Ideally, if it is not an emergency, find out in advance what the hospitals and doctors would charge for the particular treatment. If you have done this exercise properly, you could save a packet. Knowledge is power. The charges can be brought down, using these as bargaining chips. I know people who have done it.

Another odious practice is the principle of charging everything based on the class of room, one is admitted in. For instance, a person from general ward is charged less for the same procedure by the same doctor, in the same operation theater, with the same facilities as compared to another from a deluxe room. There is no logic here – it is just that those in deluxe room can afford to pay more. This is the system that has gained root and has been followed without questions. This is a matter the health ministry needs to address. Loot the rich (or relatively better off), seems to be the motto... Our government does that too - for paying taxes, you don’t get anything in return, except for the “possibility” of good governance, which is marked by its absence. For now, if you want to pay less choose the lower level room or general ward.

Insurance companies need to address it by negotiating with various hospitals, which they will, as it is a matter of survival. It is ironical that insurance companies are overcharged by hospitals, when they give them so much business. If anything, they should be given volume discounts. There is a saying which goes – the child that cries will get the milk. The insurance companies have only now started… hospitals & doctors will have to fall in line… or lose business to others who are sensible enough to see reason.

Feel free to drop in with your queries.

Regards
Team
Theequitymarkets

Effect of new Guidlines By IRDA On ULIP's

Why ULIP’s are not good choice?
ULIP is one of the most controversy product in the financial world. It is because of its high management charges and commission to the agents. The situation has changed after the chain of events like controversy on agents commission and SEBI’s ban on ULIP policies. The cap for charges on ULIP policies have been reduced by IRDA. It becomes the more competitive to mutual funds.

What was the charges on ULIP policy?

ULIP policies got the very bad name among the investors because of its high charges levied for the first three years. This section explores the different expenses charged on the ULIP policies.

Most of the ULIP policies charges more fees for the first three years. Basically insurance companies would charges the following fees on the ULIP:

* Initial administration charge
o Most of this charges are goes to the agents who is selling the policy to you. Agents are getting up to 40% commission from the ULIP policies. Worst fact is that this commission is paid from your premium amount. As we know that ULIP premiums are invested in the market, the final amount invested is reduced because of the charges.
* Regular administration charge
o This is as like the Initial administration charge, goes to paying the agents commission.
* Policy administration fee
o This fees levied for sending you the periodic updated on the policy status. It occurs every month.
* Investment management charge
o This fees levies for managing your fund. Normally this type of charges are levied some percentage on the total fund value.

* The charges are different from each insurance company. Few companies charge the whole amount in the first three years, but some of the companies to charge little on entire tenure of the policy.

* Agents mis-sell ULIPs by saying that you have to pay only for the first three years, after that you need not pay anything. It is because they get the high commission on first three years.

ULIP Reforms

There are number of changes done on nature of the ULIP since October 2009. It makes ULIP more attractive to the investors compare to the previous one with high cost deductions.

* ULIP with less than 10 Years
o There is 3% cap on charges levied by the insurance companies on ULIP. It means, the total fees collected on ULIP premiums can not exceed 3%. It is defined as difference between net yield and gross yield should not exceed 3%.
o In the above 3%, the management fee can not be more than 1.5%.
o Gross yield is the yield generated by the ULIP before all charges are deducted.
o Net yield is the yield generated by the ULIP after all charges are deducted.

* ULIP with greater than 10 years
o Over all fees can not be more than 2.25%.
o Management fees can not be more than 1.25%.

* Remember that charges here would include allocation charge, administration charge, mortality charge and all such charges by any other name. The total fees would reduce when you opt for the long term investment.

* Unit-linked insurance products (ULIPs) filed after September 30, 2009 will have a lock-in of five years.

* According to the IRDA, there will be new norms on tightening the commission and fees on ULIP products. It is trying hard to make the investment more attractive for the investors.

* The new norms will have the high life cover, in the existing policies have the high focus on the investment rather than the protection on life. IRDA want to bring more clarity on the life cover and investment portion on the same product. This make investors to clearly understand how much is invested and how much is insured.

* In order to put more money in the hands of investors, IRDA recently said that insurers cannot charge a fee for surrendering a unit-linked insurance policy after five years.

* At present, insures charge more fees on surrendering the policy even after the completion of the lock-in period.

What you should look at ULIP

When you are planning to buy the ULIP policy, it is necessary to look into the following facts to make the right decision. The problem in choosing the right policy among hundreds of existing policies is taunting task for the investors. The following are the few factors you have to look at while selecting the ULIP:

* You must know what is the purpose of buying the ULIP policy. If your goal is to buy a life insurance, then ULIP is not the right choice. This is the place where many investors mis-understand the difference between insurance and investment. ULIP is combination of life cover with investment product.

* If you are looking for the investment with low risk, then ULIP will not be suitable for you. As I have explained earlier, your premiums are directly invested in the market. The returns are based on market conditions.

* Don’t go the way of agents guidance. You will regret for that in future. You must be careful on protecting your own money. Don’t blame others for your mistake. Do the proper analysis on available ULIP policies and make the right decision.

* ULIP is not for the short term investment. If you are looking for the investment product for less than five years, mutual funds can be good choice. If you are looking for the investment of minimum 10 years, ULIP will be better option.

* One of the important factor, know the charges deducted on your premiums. Ask your agents clearly that how much will be invested after deducting all the charges. Also ask him the commission earned on selling the policy to you. He must disclose the commission details to you.

* Ask too many questions to agent for better understanding of the policy.

Say Thanks to SEBI!!!

I would see these reforms and changes on the ULIP policies because of the increasing competition from the SEBI over IRDA. ULIP investors must say thanks to SEBI for putting pressure on IRDA to introduce new norms on ULIP policies. However IRDA wins over SEBI in the battle. I feel customer finally won the battle. The reason why IRDA has reduced the fees on ULIP, because SEBI has removed the 1% entry fees on mutual funds.

For furthur queries contact us

Happy Investing
Regards
Team
Theequitymarkets

How NRI can start investment in India?

Hi dear NRI's

i know its being very difficult to gather all info and rules about how to start trading(Investing) into the Indian share markets.

To have the complete info please visit the NRI Section of the website.

and come back here to give your comments and valuable suggestions.

Thanks and Regards
Team
www.theequitymarkets.com

New Fund Offer (NFO)

Have you applied for any of the New Fund Offer (NFO) in recent times?.
If your answer is yes, what motivates to take the decision and select a particular NFO?. There are many number of New Fund Offer (NFO) schemes coming in to the market, it makes the investors confused and they are unable to choose the right one. If you are in the same boat, please read this article before taking any firm decision on your hard earned money. To explores the pitfalls for investing in the NFOs and why more fund house announcing the new schemes do visit www.theequitymarkets.com

DO come back here to post your valuable comments and queries on the topic


Happy Investing
Regards
Team
www.theequitymarkets.com

Which health insurance policy suite your needs?

Do you have confusion on choosing the right health insurance policy?
Many of us have the same complaint, because the lack of awareness on insurance policies in India. There are numerous factors to be considered before choosing an health insurance policy. First step would be to learn about the different types of medical insurance policies available in the market. Same policy will not be suitable for every one. One has to select the policy depends on his age, family dependency, rick on life, etc. The following sections of our website explain you the different types of health insurances and when it is suitable for your needs.


For your valuable comments and queries please come back here

have a safe and secured life

Regards
Team
www.theequitymarkets.com

Loan on Gold Jewellery

Hi dear investors

ever thought of taking loan on your idle(must say your precious) gold jewelery. You might be watching several ads in both print and electronic media in which various NBFC giving gold loans, but you are not aware what to do and how to proceed for the same then to find all answers to your questions do visit www.theequitymarkets.com


and come back here again for your valuable comments and queries


Thanks and Regards
Team

www.theequitymarkets.com

What is Householder Package Policy (HPP)

Hi dear investors

here we present our whole new topic on Home insurance products available in markets.

to view our complete coverage on the topic do visit www.theequitymarkets.com

and for your valuable comments and queries come back here.


Regards
www.theequitymarkets.com Team

An Indian Investor Education Initiative.: New cheque clearing norms in effect from 1st jusly 2010

An Indian Investor Education Initiative.: New cheque clearing norms in effect from 1st jusly 2010: "http://www.theequitymarkets.com/banks.htm"

New cheque clearing norms in effect from 1st july 2010

THINK ‘payment’ and the first thing that comes to mind is perhaps a cheque book. As advanced methods like credit cards and net banking continue to make inroads into the Indian financial system, payment by cheque remains the most preferred option in India.

No wonder then, that the volume of cheque clearing is as high as 6 million every year in India. And the Reserve Bank of India (RBI) faces a tough challenge of making the process more efficient, faster yet safer.
Keeping this is mind, the RBI has already completed a pilot for a project called ‘Cheque Truncation System (CTS)’ and seeks to implement it by July 1st, 2010. The Cheque Truncation System has the capability to process the cheque based on its image, doing away with the need for an actual cheque at the time of clearance.

To bring this system into effect, the RBI has prescribed certain benchmarks towards achieving standardization of cheques issued by banks across the. In February 2010, RBI issued a circular known as 'CTS-2010 standard '.

One of the most important points is - ‘Prohibiting alterations / corrections on cheque’ ie no changes / corrections should be carried out on the cheques and this comes into effect from 1st July 2010. That means customer would need to issue a fresh cheque for any change in:
• payee’s name
• amount in figures
• amount in words

Circular also asked banks to make changes in the existing cheque. Here are few changes listed in the circular
1. All cheques shall carry a standardized watermark, with the words “CTS-INDIA” which can be seen when held against any light source.
2. Pantograph with hidden word “COPY” or “VOID” feature shall be included in the cheques so it should be clearly visible in photocopies and unspecified scanned color images.
3. Bank’s logo shall be printed in ultra-violet invisible ink.
4. All cheques should be issued with the account number field pre-printed. This is mandatory for current account holders and corporate customers.
All these changes on the cheque leaf will make it more secure and easy to handle. In the age of technology, the RBI has geared up to ensure to unauthorized copy of cheque gets cleared under Cheque Truncation System.

for more banking related queries do visit : http://www.theequitymarkets.com/banks.htm

PSU(Public Sector Units) Mutual Funds: Should you invest?

Even in the somewhat boring world of finance, fads do have their sway.
Suddenly one sees a rash of IPOs and the accompanying frenzy and another moment there is some capital protection fund that is keeping people in a tizzy. Mutual Funds (MFs) have been cranking out amazing acronyms like SMILE, TIGER, FORCE etc. to endear themselves to investors. Then came themes. Infrastructure & Lifestyle funds were a rage about three years ago. Midcap Funds become red hot after that. Then fixed maturity plans - FMPs and other debt funds gained currency. Now the flavor of the season in MFs seems to be PSU funds- public sector company funds.

What is the logic of a PSU Fund?

Government owned companies are being disinvested now and there seems to be an interest in participating in it. Investing in government owned companies by itself does not look like a theme. The spin given by MF houses is that these companies are storehouses of tremendous value and when this value is unlocked, investors will be frightfully rich. But the companies can be from diverse fields, making it a diversified fund in any case. But, the majority of the companies in the fund will be government owned. So, this a ownership-basis segmented fund.

Is it a good idea then to invest in these MF?

Any company needs to be selected on merits. All government oriented companies are not pure gems. There are gems and there are coal lumps. Bracketing everything under the PSU umbrella and investing in them is obviously not a great idea. The fund manager will have to sift within this pool and select the good ones from the pool. Owning such a fund in noway gives one a better scheme that what is available today.

Government companies are a varied lot. There are good, performing ones like BHEL, NTPC etc. and there are bad ones (many performing too poorly to even merit a mention). The real bad ones cannot be divested, in any case. There are others that will be a victim to government ownership and policies like BPCL, HPCL and other oil companies, which are bleeding due to the onerous burden imposed by it’s owner – the Government.

Government companies can expect some favourable treatment in the policy space which molly-coddles them, like preference to them in government contracts, protection from competition etc. But there are several negatives in government ownership - recruitment policies, compensation policies , speed of decision making, indifferent client servicing and the image they consequently have, bureaucratic processes are all typically their Achilles heel. There may be some who have overcome these, but a majority have still got to surmount these and many other obstacles.

On the whole, government ownership per se, is not a positive for a business. It is a good idea to stay away from these funds. MFs are latching on to the latest fads. You don’t have to. It’ your money after all!


Regards
Team
www.theequitymarkets.com

Borkerage Structure Of Major brokerage houses in India

Hi

We have recently added a complete list of major brokerage houses present in India with their brokerage structure, services offered, contact details, quality of service provided with various hidden/extra charges like Account opening, closing, Annual maintainance charges and various other DP charges.

for more info do visit  http://www.theequitymarkets.com/brokerage_houseS.htm

Regards
Team
www.theequitymarkets.com

New ULIP guidelines

Hi dear investors

A very strange row between SEBI and IRDA finally came to an end when IRDA issue new guidelines for a very controversial, expensive  and mis-sold product ULIP.

The fight was due to the administrative power over the product, as it is an investment + insurance product so both regulators were claiming their control on it.


The Insurance Regulatory and Development Authority (IRDA) has issued guidelines on unit-linked insurance products (ULIPs) Under the guidelines:

1.  The minimum policy term for ULIPs will be five years 
2.  All ULIPs would be expected to have an insurance cover payable on death. 
3.  The pension/annuity products would need to have insurance cover.
4.  No loans would be allowed under ULIPs and 
5.  A partial withdrawal in the ULIPs would be allowed only after the fifth year of policy. 
6.  However, there would be no partial withdrawal for pension/annuity products.

The guidelines would be applicable to all ULIPs from 1 July 2010.

Commenting on the new guidelines, IRDA executive director A Giridhar said these formed part of the periodic review of norms. He added that the new ULIP norms were based on the insurer's FY10 financials and were aimed at making insurers adhere to regulations. He hoped the new norms would address some of the ULIP issues being debated.

On 29 April, the Securities and Exchange Board of India (SEBI) had moved the Supreme Court in the ULIP matter, that the premium taken from the customers is being used to invest in the stock market so the product is just like MF and should be controlled by them, and set off the battle by directing all insurers to stop the sale of ULIPs, which it claimed should come under its regulations. In response, insurance regulator IRDA immediately struck down the call and asked insurance companies to ignore the regulator's order. A bitter public spat between the two regulators followed with the finance minister intervening and calling for a joint application before the judiciary.
Meanwhile, the parliamentary standing committee on finance has recommended that a financial stability and development council (FSDC) be immediately set up to address among other things issues pertaining to the financial sector.

But the question which arises is the returns which would be given by these so called  investment + insurance products, as they come with heavy entry charges which ranges from some 10-25% for first year of policy and gradually decreases with policy tenure, but eats up very large amount of our investment.

 There are also very stringent laws for exiting most of them uptil 5 years.

The regulator should look at the charges being imposed on name of various stupid charges and are gifted to the selling agents and companies as commissions, which ranges from 10-20% of our annual premiums till first 3 years.

The govt should also look into this matter


Read about Guaranteed Return ULIPs, are the returns really guaranteed after 10 years????? as claimed in TV ads

Kind Regards
Team EquityMarkets
www.theequitymarkets.com

Website Launching

Hi Dear friends

www.theequitymarkets.com had finally been launched with over 700 hits in first hour of launching.
The websites main aim is to only teach  the indian investors about the stock markets and related products.

You all are free to ask us any question regarding any financial product or institution like banks, IRDA, SEBI, CIBIL and we will be there to guide you.

We can also help you choose stocks, MF(only long and medium term) etc, but all at your own risks as they all are market related  and can never be guranteed.

Regards
Team
www.theequitymarkets.com