TRIO-FEST ‘2009

INVESTMENT
AVENUES-II

I.BBA ( 2009-2012 BATCH)

M.M.E.S WOMEN’S COLLEGE OF ARTS &
SCIENCE
MELVISHARAM- 632509
 I.BBA ( 2009-2012 BATCH)
# AAMINA SHARIFA # A. ANITHA
# SAIDA FATHIMA # B. CHITRA
# SULTHANA # K.BHUVANESHWARI
# RABIYA ANJUM # SHAJITHA
# K. ELAKKIYA # NAZIYA SAMREEN
# ALMAS BANU # J. SHARMILA DEVI
# FOUZIYA ANJUM # NADIYA
# LOGANAYAGI # C.SARANYA
# D. BHUVANESHWARI # M.INDHUMATHY
# R.POORANI # B.SINDHUPRIYA
# S.GAYATHRI # M.GEETHA
# S.ISHWARYA # S.DIVYA
# R.NITHYA # R.AISHWARYA
# P.LAVANYA # E. MALA
# R. NITHYA # THASMIYA FIRTOUSE
WHY SHARES ARE WORTH
INVESTING IN?
 What is the Stock Market ?
The Stock Market refers to equities where actually stocks and derivatives are
traded. In the Indian context, all trading in stocks happens in one of the major two
exchanges : NSE and BSE.

The Indian stock markets has evolved and it has become relatively easy to invest in
shares of Indian companies with the advent of dematerialisation, reduction in
market lots and the growth of online stock trading.
The Stock Market is akin to a marketplace where buyers and sellers of a company's
share come together and transact the share of the company.
Money flows from the buyer to the seller and the shares are transferred from the
seller to the buyer.
However, there is a lot of intricacies involved in investing in the stock markets of
any country and more so in the Indian Stock Markets due to the large number of
listed companies which can easily confuse the lay investor.
Stock Marketing investing is not for the faint hearted as it can lead to huge losses if
the investor has not done the necessay homework to understand the nuances of
stock market investments.

Finally, there is a well known saying in the stock markets : "Tread with
caution...always !".
 What Is An IPO ?

An IPO is an Initial Pubic Offering. In

effect, an IPO takes a private
company public. It is also a means
for an existing company listed on one
of the exchanges to spin off or create
a new company from its parent
company.
 Reasons For Floating An IPO
The most obvious reason for a private company to enter the public
market is raising immediate liquid assets by way of offering shares in
the company. A company may need to generate money to drive it's
expansion plans and combat competitition. There have been some bad
apples in the IPO offerings in the Indian Stock Market history. 
Generally, companies start floating Initial Public Offerings (IPO) when
the stock markets are at a high and the public appetite for shares of
companies are also at a high.
However, precautions need to be taken in such situations as the
general public is most vulnerable in these times. 
It is at these times that the stock market regulators like the Securities
Exchange Board Of India (SEBI) should take care of the investors
through appropriate investor awareness programs. 
Corporate India needs to take note of such unwanted spikes in IPOs
and protect investors from the pitfalls. 
The IPO, however still remains the prefered vehicle for new investors to
get into the stock markets and it can prove to be beneficial only if
investors pick the right Initial Public Offerings (IPOs) to participate and
make a decent return on their investments
 Dematerialization of Shares
As you may be aware that the shares
of MFL are under compulsory
dematerialization (demat) segment of
trading as per SEBI directives.   This
means, MFL shares can be
purchased / sold at the Stock
Exchanges only in demat
form.   Shareholders are therefore
advised to avail the demat facility.
 
 Dematerialization - Meaning

Dematerialisation is the process of

converting physical share certificates
into electronic form i.e. crediting of
equivalent number of shares to your
depository account electronically.
 Depository Account

For dematerialisation of shares you

have to open a depository account
with a Depository Participant (DP)
having connectivity with National
Securities Depository Ltd (NSDL) /
Central Depository Services (I) Ltd
(CSDL).     You are free to open an
account with any of the DPs for
demat.
 
Advantages of share investment
1.Capital Appreciation 
2. Bonus shares: 
3. Dividend earnings 
4. Diversify Portfolio 
5. Long term benefits and return on investment: 
6. Simple and easy method to purchase and trade: 
7. Easily cashable 
8.lucrative and simple methods of investment. 
 Disadvantages in share
investment
 High returns involves High Risk 
 Share prices fluctuate a lot, which short term
oriented investors find very distressing.
 Some companies go broke, and due to the
occasional dishonest auditor you won't be able to
see it coming. Therefore you need to diversify a lot,
though this is easy to do since you can buy small
amounts of shares.
 Shares require analysis and hard work if you are
going to do better than average.
 Achieving high returns above the inflationary rate,
in these times property may not provide superior
returns.
 BOMBAY STOCK EXCHANGE
 The Bombay/Mumbai Stock Exchange Limited (formerly, The Stock Exchange, Mumbai;
popularly called The Bombay/Mumbai Stock Exchange, or BSE) is the oldest stock exchange
in Asia and has the greatest number of listed companies in the world, with 4700 listed as of
August 2007. It is located at Dalal Street, Mumbai, India. BSE Online Trading System
(BOLT) which is the online trading system of the exchange.
 On 31 December 2007, the equity market capitalization of the companies listed on the BSE
was US$ 1.79 trillion, making it the largest stock exchange in South Asia and the
12th largest in the world.
 With over 4700 Indian companies list on the stock exchange and it has a significant trading
volume. The BSE SENSEX (SENSitive indEX), also called the "BSE 30", is a widely used
market index in India and Asia. Though many other exchanges exist, BSE and the
National Stock Exchange of India account for most of the trading in shares in India.
 Hours of operation
 Beginning of the Day Session....8:00 - 9:00
Login Session....9:00 - 9:30
Trading Session....9:55 - 15:30
Position Transfer Session....15:30 - 15:50
Closing Session....15:50 - 16:05
Option Exercise Session....16:05 - 16:35
Margin Session....16:35 - 16:50
Query Session....16:50 - 17:35
End of Day Session....17:35
 The hours of operation for the BSE quoted above are stated in terms of the local time in
Mumbai, India (also known as Bombay). This translates into a standard time zone UTC/GMT
+5:30.
 BSE's normal trading sessions are on all days of the week except Saturdays, Sundays and
holidays declared by the Exchange in advance
 Top 30 companies in sensex as
on 20th December 2008
ACC BHEL
Bajaj Auto Bharti Tele
Cipla  Dr Reddys Labs
Grasim Ind Guj Ambuja Cem
HDFC HDFC Bank 
HLL Hero Honda
Hindalco   ICICI Bank
ITC Infosys
Larsen & Tubro Maruti Udyog 
NTPC  ONGC 
Ranbaxy Labs Reliance Ind
Reliance Energy  SBI 
Satyam Computers TCS 
Tata Motors Tata Power 
Tata Steel  Wipro 
 NATIONAL STOCK EXCHANGE
 The National Stock Exchange of India Limited (NSE), is a Mumbai-
based stock exchange and is well known for its technological
advancements. NSE began it's operations with the Wholesale Debt
Market segment in June 1994 and the equity segment commenced
operations in November 1994.

 It is the largest stock exchange in India in terms of daily turnover and

number of trades, for both equities and derivative trading.. NSE has
a market capitalization of around Rs 47,01,923 crore (7 August 2009)
and is expected to become the biggest stock exchange in India in
terms of market capitalization by 2009 end.

 Though a number of other exchanges exist, NSE and the

Bombay Stock Exchange are the two most significant stock
exchanges in India, and between them are responsible for the vast
majority of share transactions.
 The major benchmark of NSE is the S&P CNX Nifty which is a group of
50 stocks which are actively traded in the stock exchange. 
 NIFTY Top 50 Stocks
 NIFTY consists of 50 top stocks from different sectors of NSE. Below is the list by
20th December 2008. 
 1. ABB Ltd : ELECTRICAL EQUIPMENT
2. ACC Ltd : CEMENT AND CEMENT PRODUCTS
3. Ambuja Cements Ltd : CEMENT AND CEMENT PRODUCTS
4. BHEL : ELECTRICAL EQUIPMENT
5. Bharat Petroleum Corporation Ltd(BPCL) : REFINERIES
6. Bharti Airtel Ltd : TELECOMMUNICATION - SERVICES
7. Cairn India Ltd : OIL EXPLORATION/PRODUCTION
8. Cipla Ltd : PHARMACEUTICALS
9. DLF Ltd : CONSTRUCTION
10. GAIL (India) Ltd : GAS
11. Grasim Industries Ltd : CEMENT AND CEMENT PRODUCTS
12. HCL Technologies Ltd : COMPUTERS - SOFTWARE
13. HDFC Bank Ltd : BANKS
14. Hero Honda Motors Ltd : AUTOMOBILES - 2 AND 3 WHEELERS
15. Hindalco Industries Ltd : ALUMINIUM
16. Hindustan Unilever Ltd : DIVERSIFIED
17. Housing Development Finance Corporation Ltd(HDFC) : FINANCE - HOUSING
18. ITC Ltd : CIGARETTES
19. ICICI Bank Ltd : BANKS
20. Idea Cellular Ltd : TELECOMMUNICATION - SERVICES
 NIFTY Top 50 Stocks
21. Infosys Technologies Ltd : COMPUTERS - SOFTWARE
22. Larsen & Toubro Ltd : ENGINEERING
23. Mahindra & Mahindra Ltd : AUTOMOBILES - 4 WHEELERS
24. Maruti Suzuki India Ltd : AUTOMOBILES - 4 WHEELERS
25. NTPC Ltd : POWER
26. National Aluminium Co. Ltd : ALUMINIUM
27. Oil & Natural Gas Corporation Ltd(ONGC) : OIL EXPLORATION/PRODUCTION
28. Power Grid Corporation of India Ltd : POWER
29. Punjab National Bank : BANKS
30. Ranbaxy Laboratories Ltd : PHARMACEUTICALS
31. Reliance Communications Ltd : TELECOMMUNICATION - SERVICES
32. Reliance Industries Ltd : REFINERIES
33. Reliance Infrastructure Ltd : POWER
34. Reliance Petroleum Ltd : REFINERIES
35. Reliance Power Ltd : POWER
36. Satyam Computer Services Ltd : COMPUTERS - SOFTWARE
37. Siemens Ltd : ELECTRICAL EQUIPMENT
38. State Bank of India : BANKS
39. Steel Authority of India Ltd(SAIL): STEEL AND STEEL PRODUCT
40. Sterlite Industries (India) Ltd : METALS
41. Sun Pharmaceutical Industries Ltd : PHARMACEUTICALS
42. Suzlon Energy Ltd : ELECTRICAL EQUIPMENT
43. Tata Communications Ltd : TELECOMMUNICATION - SERVICES
44. Tata Consultancy Services Ltd(TCS) : COMPUTERS - SOFTWARE
45. Tata Motors Ltd : AUTOMOBILES - 4 WHEELERS
46. Tata Power Co. Ltd : POWER
47. Tata Steel Ltd : STEEL AND STEEL PRODUCTS
48. Unitech Ltd : CONSTRUCTION
49. Wipro Ltd : COMPUTERS - SOFTWARE
50. Zee Entertainment Enterprises Ltd : MEDIA & ENTERTAINMENT
 How To Select Your Stock
Broker ?
It goes without saying that your stock
broker is one who has to be trustworth
and have the ability to strike a bond with
the investor. Relationship Building
remains the key focus in the Indian Stock
Markets as the investor is not savvy
enough to understand the nuances of
how share markets in India function
which may lead to the investor being
taken for a ride by the stock broker.
Tips To Pick Your Stock Broker
The investor should verify the credentials of a stock broker before entering into a relationship.
A stock broker should hold a valid license to transact in securities in the Indian stock markets.
It is important to understand the services that he is qualified to perform. In recent times, an
integrated service provider is preferred who can provide a gamut of stock broking and
advisory services including online and offline trading across exchanges.
A referral can be useful and may give a direction to pick your stock broker.
A stock broker should have a good customer retention strategy and client servicing
capabilities.
A stock broker has to understand your risk profile before trading stocks on your advice.
Your stock broker should have the time and the ability to explain stock market jargon for your
understanding and implementation.
Finally, it is fair to wait and think twice before taking your decision in selecting your stock
broker as a stock broker in the context of the Indian stock markets has an important role to
play as it also involves educating clients and investors to make the right choices in picking
their stocks and making buy and sell decisions.
List of Online Stock Market / Share Trading Websites (India)
AS ON 2008
 5Paisa - www.5paisa.com
 AnandRathi securities-www.rathi.com
 Angel Trade - www.angeltrade.com
 Geojit Financial services Ltd - Online Trading, Internet Trading ...www.geojit.com
 HDFC Securities Investor- www.hdfcsec.com
 ICICIDirect- www.icicidirect.com
 IDBI Paisabuilder - Online stock / share trading portal India ...www.idbipaisabuilder.inIndia
 Infoline- www.indiainfoline.com
 Invest smart-www.investsmartindia.com
 Indiabulls- www.indiabulls.com
 Kotak Securities -www.kotaksecurites.com
 Motilal Oswal Securities- www.motilaloswal.com
 Networth Stock Broking Ltd. -www.networthstock.com
 Reliance Money -www.reliancemoney.com
 Religare Securities- www.religaresecurities.com
 Sharekhan- www.sharekhan.com
 UTI Securities Ltd (UTISEL) - www.utisel.com
 SHARE INVESTMENTS TIPS
1.One of the simple concepts always preferred is buying shares at lower prices
and selling them at higher prices
2. Get Advice but make your own decision
3. Gain Adequate Knowledge and make effective planning
4. See the Balance sheet and financial results of the company for every
quarter. from news letters and news papers.
 1st Quarter -April to June. Results are declared in July
 2nd Quarter- July to September. Results declared in October. 
 3rd Quarter-October to December. Results declared in January.
 4th Quarter- January to April. Results declared in April
 The 4th Quarter is considered as end of the financial year.
5. Practice Disciplined Trade
6. Invest for long period:
7. Purchase Emerging Stocks
WHY DO WE NEED
INSURANCE?
 Insurance - Meaning
 Insurance provides financial protection against a loss arising out of
happening of an uncertain event. A person can avail this protection by
paying premium to an insurance company. 
 A pool is created through contributions made by persons seeking to
protect themselves from common risk. Premium is collected by 
insurance companies which also act as trustee to the pool. Any loss
to the insured in case of happening of an uncertain event is paid out of
this pool. The insurance premiums offered vary from company to
company and also from the policy to policy.
 Indian insurance companies play a key role in India's financial
sector. With India's population becoming more affluent and globalize,
insurance is growing rapidly.
 This increasing market is creating considerable competition
among Indian insurance companies in an industry that 20 years ago
was relatively small.
 Counting the existing public sector insurance companies, there are
currently 13 Indian insurance companies  in the Life insurance and
13 Indian insurance companies operating in general insurance.
 Life Insurance Corporation is the oldest player in the market. It is the
market leader. However, some other companies also offer good
innovative products.
 General Insurance Corporation has been approved as the Indian
reinsurer for underwriting only reinsurance business
 All insurance companies are regulated by the Insurance Regulatory
and Development Authority (IRDA).
EXAMPLES TO UNDERSTAND HOW INSURANCE ACTUALLY WORKS
 TYPES OF INSURANCE
 The various fields covered by insurance companies
in India include:
 Life Insurance: For students, children, family,
individual etc.
 Health insurance: For self, for family, accidental
insurance premium, medical claim policies etc.
 Non-life insurance: Home or House Insurance and
other property insurance, Auto Insurance (for cars,
motorcycle and other two-wheelers, commercial
vehicles), Infrastructure Projects Insurance, Travel
Insurance, real estate insurance, mobile insurance
etc.
 Bancassurance
"Bancassurance" refers to a tie up arrangement
of banks with insurance companies for selling the
insurance products in life and non life segments
as corporate agents for fee based income. This
income is risk-free, as the bank plays a role of a
intermediary for souring business to insurance
company. Bancassurance is a package of banking
and insurance service at one roof. The
introduction of Bancassurance has broadened the
scope of retail banking
BONDS- RISK FREE
INVESTMENTS
 WHAT ARE BONDS?
 A bond is just an organization's IOU; i.e., a promise to repay a
sum of money at a certain interest rate and over a certain period
of time. In other words, a bond is a debt instrument.
 Other common terms for these debt instruments are notes and
debentures.
 Most bonds pay a fixed rate of interest for a fixed period of time.
 During this period, the investors receive a regular payment of
interest, semi-annually or annually, which is calculated as a
certain percentage of the face value and know as a 'coupon
payment.'
 . Based on the maturity period, bonds are referred to as bills or
short-term bonds and long-term bonds.
 The debt market in India is amongst the largest in Asia. It
includes government securities, public sector undertakings,
other government bodies, financial institutions, banks and
companies
 Benefits of debt instrument
investments:
 Portfolio diversification
 Fixed and Regular Income
 Risk Free investments
 Greater safety
 Disadvantages of bonds
 Companies and municipalities can and do
go bankrupt, and if they do, your bonds
will lose value and possibly even become
worthless. 
 
 Long-term bonds will have your money
tied up in low yielding bonds should
interest rates go up. 
 
 Unlike stocks, bonds don't offer the
possibility of high long-term returns
When should you buy bonds?
Bonds are a good option for those who need
a steady and relatively dependable source of
income, including the elderly and disabled.
After retirement, bonds will provide a regular
interest check to live on.  As you progress
from middle age and get within a few years
of retirement, you should start gradually
switching your assets from equity holdings
(stocks) into bonds. As you get closer to
retirement you want to reduce your
investment risk. 
Impact of debt markets in Indian
economy
 Opportunity for investors to diversify their
investment portfolio.
 Higher liquidity and control over credit.
 Better corporate governance.
 Improved transparency because of stringent
disclosure norms and auditing requirements.
 Less risk compared to the equity markets,
encouraging low-risk investments. This leads to
inflow of funds in the economy.
 Increased funds for implementation of government
development plans. The government can raise
funds at lower costs by issuing government
securities.
 Implementation of a monetary policy.
A few sections of the Income Tax Act,
1961 are mentioned below which are
essential for the investment purpose. 
 Deductions under section 80C for debt instruments:

Contribution to Employee Provident Fund (EPF):

Provident Fund is deducted from the salary. Both employer and employee
contribute towards Provident fund. Employer's contribution is fully exempt from
tax. Employee contribution is counted towards 80C. Voluntary contributions can
be made by employee Current Rate of Interest is 8.5% annually and tax free.
Pubic Provident Fund (PPF):

Current Interest Rate = 8% tax free
Maturity period = 15 years
Minimum Amount = Rs.500
Maximum limit = Rs.70,000 per annum

National Saving Certificate (NSC):

 Current Interest Rate = 8% compounded half yearly

Maturity period =6 years
Minimum amount = Rs.100
Maximum amount = No limits
 Interest accrued every year is liable to tax.
 If NSC is re-invested, it is eligible for deduction under 80C.
 There is also eligibility of deduction for the interest under section 80L under
Income Tax Act, 1961.
 Unit Linked Insurance Plans (ULIPs) :
 ULIPs are covered under Life Insurance. There are three types of
Funds under this scheme - Equity Fund, Balanced Fund & Debt
Fund.
Tenure = 10 years
Eligible for tax deduction under section 80C.
 Equity Linked Saving Scheme (ELSS):
 Lock in period =3years
Deduction up to Rs. 1 lakh allowed.
Dividend and Bonus are not eligible for deduction.
Tax exemption can be availed under section 88 also.
 Some of the tax saver plans under Mutual funds are
 Birla Tax Relief 96
 Stan Chart Tax Saver Fund
 Kotak Tax Saver
 UTI Equity Tax Saver
 Tata Tax Saving Fund
 HDFC Tax Saver
 ABN Amro Tax Average
 SBI Tax Saving Plan
 Prudential ICICI Tax Saving plan.
 Infrastructure Bonds:
These are issued by institutions/ banks such as ICICI, IDBI etc in the name of ICICI
safety bonds and IDBI Flexi bonds.
Tax liability relief up to Rs.16000 per annum is available under section 88.
Senior Citizen Saving Scheme: 
This scheme is considered to be lucrative and eligible for deduction under section
80C.
Current Rate of Interest = 8% for Government Employee & 9.5% half yearly for
Public sector employee.
Maturity period -3years
Minimum Investment =Rs.10,000.
Maximum Investment= Total Retirement Benefit 
Interest Income chargeable to tax.

 NABARD Rural Bonds:

There are two types of Bonds issued by NABARD-
 NABARD Rural Bonds
 Bhavishya Nirman Bonds
 NABARD Rural Bonds are eligible for deductions under section 80C.At present,
subscriptions is not open.
RBI Relief Bond:
These bonds are issued by RBI.
Interest compounded half yearly
Maturity Period= 5years
Interest received is tax free.
 5 year Bank Fixed Deposits:
Rate of Interest =8.25% for general investment and 8.75% for senior
citizens
Maximum limit= Rs 1,00,000 per annum
Interest income is taxable.

 Post office schemes:

Post office offers numerous tax saving options in India and popular
among Indian citizens. This is similar to bank deposit.
 Post office schemes includes
 Post Office Term Deposit Scheme
 Post Office Monthly Income Scheme
 Kisan Vikas Patra Time Deposit Scheme
 Deposits for Retired Government Employees
 Post Office recurring Deposits
 Deposit Schemes for Retiring Employees of Pubic Sector companies.

 Tenure: For 1 year -6.25% interest per annum

For 2 years -6.50% interest per annum
For 3 years -7.25% interest per annum
For 5 years- 7.50% interest per annum.
 Maximum Rate of Interest =8% per annum and 10% bonus on principal
amount at the time of maturity.
Interest is entirely taxable
Tax relief available under section 80L.
Mutual Fund Pension Plans:

 Few Mutual Fund Pension Plans available in market are

 Templeton India Pension Plan
 UTI Retirement Benefit Pension Plan (UTI-RBT)
 These Mutual Fund Pension Fund Plans are open-ended debt oriented mutual
fund schemes.
Better returns are expected in Long terms.
Eligible for tax rebate under section 80C. 
 Life Insurance:

 Any amount paid towards Life Insurance premium for the family and oneself is
eligible for tax break under section 80C.
Life Insurance Saving Schemes include Government owned Life Insurance
Corporation of India and Private Life insurance Companies such as Bajaj
Alliance, Birla Sun Life, HDFC Life Insurance and ICICI Prudential etc.
Public Sector Banks Tax saving Options:

 6.5% Saving Bonds Cumulative Bonds

 6.5& Saving bonds non-Cumulative bonds
 Lock in Period =5 years
Rate of Interest =6.5%
Complete Tax exemption under Income Tax Act,2961.
Private Sector Banks Tax Saving Options:

 UTI Bank, HDFC, IDBI bank, ICICI Bank offer the following schemes to Indian
Citizens
 8% Cumulative saving Bonds
 8% Non Cumulative Saving Bonds
 Lock in Period= 6years
Entitled to pay tax on interest income of the bond but not deductible at source.
Tax Rebates can be availed under section 88 of Income Tax Act, 1961.
 Deduction Under Section 80CCC(1)

 In case of an Individual, in respect of contribution to pension scheme of any

other Insurance companies deduction up to Rs.10,000 under section 80CCC(1)
is available.
The following are some tax saving plans available in the market

 LIC Jeevan Suraksha

 ICICI Prudential Life Time Pension
 Aviva Life Pension Plus
 Max Easy Life Policy
 Tata AIGs Nirvana Plus etc.

 Deduction Under Section 80CCE

 Aggregate deduction Under Section 80C, 80CCC and 80CCD is available for
Section 80CCE. The maximum limit is Rs.1,00,000.

 Deduction under Section 80D:

 Deduction Up to Rs. 10,000 (Rs.15,000 in case of Senior Citizens is allowed in

respect of Premium paid by Cheque towards Health Insurance Policies.
Mediclaim on such premium can be paid towards health insurance of spouse,
dependent parents and dependent children.
Comparison of various
investment avenues
THE DON'TS IN INVESTMENT
 DO NOT borrow to invest
 DO NOT invest just to get quick and
high return
 DO NOT invest in high-risk
investments unless you are ready for
it
 DO NOT invest on the basis of 'hot'
tips and rumours
 Project your interests for any
investment you make
 Picking several different investments can be a
good way to manage risk
 Understand the investment and the risks involved
 Select financial advisers carefully if you are
engaging one.
 Don’t be pressured into making a decision. Watch
out for aggressive sales tactics that urge you to
decide and act hastily
 Keep records of all transactions you enter into
 Be wary of schemes which guarantee a quick
profit with minimal or no risk
 Suggested Readings for
Investment
1. "The Intelligent Investor" (1949) by Benjamin Graham 

2. "Common Stocks And Uncommon Profits" (1958) by Philip Fisher

 
3. "Stocks For The Long Run" (1994) by Jeremy Siegel .

4. "Learn To Earn" (1995), "One Up On Wall Street" (1989) or "Beating

The Street" (1994) by Peter

5. "A Random Walk Down Wall Street" (1973) by Burton G. Malkiel 

6. "The Essays Of Warren Buffett: Lessons For Corporate America"

(2001) by Warren Buffett and Lawrence Cunningham 

7. " How To Make Money In Stocks" (2003, 3rd ed.) by William J. O'Neil 

8. " Rich Dad Poor Dad" (1997) by Robert T. Kiyosaki 

9. "Common Sense On Mutual Funds" (1999) by John Bogle 

10. "Irrational Exuberance" (2000) by Robert J. Shiller 

THANK YOU