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Overview
Direct equity investment involves buying shares of individual companies listed on stock exchanges. As a shareholder, you own a portion of the company and benefit from capital appreciation and dividends. This approach offers the potential for higher returns but requires research, market knowledge, and active portfolio management.
Who Should Invest?
✓ Ideal For:
- • Experienced investors with market knowledge
- • High risk appetite individuals
- • Long-term wealth creators (7+ years)
- • Those who can research and track markets
- • Investors seeking control over portfolio
- • HNI investors with substantial capital
✗ Not Suitable For:
- • First-time investors without guidance
- • Risk-averse individuals
- • Short-term investors
- • Those lacking time for research
- • Investors seeking guaranteed returns
Why Invest in Stocks?
High Growth Potential
Historically outperforms other asset classes over long term with 12-18% CAGR.
Ownership Benefits
Voting rights, dividends, and bonus shares as company grows.
Liquidity
Buy and sell anytime during market hours with instant settlement.
Inflation Hedge
Equity returns typically beat inflation over long periods.
Portfolio Control
Choose specific companies aligned with your investment thesis.
Tax Efficiency
LTCG above ₹1 lakh taxed at 10%, STCG at 15%.
Recommended Portfolio Allocation
Focus on large-cap blue-chip stocks with stable dividends
Mix of large-cap and quality mid-cap stocks
Diversified across large, mid, and small-cap stocks
Risk & Returns
Risk Factors
- Market Risk: High volatility and price fluctuations
- Company Risk: Business performance affects stock price
- Sector Risk: Industry-specific challenges
- Liquidity Risk: Small-cap stocks may have low volumes
- Concentration Risk: Individual stock exposure
Expected Returns
- Large-Cap: 10-14% p.a. (lower risk)
- Mid-Cap: 14-18% p.a. (moderate risk)
- Small-Cap: 16-22% p.a. (higher risk)
- Dividend Yield: 1-4% p.a. additional
*Returns vary based on stock selection and market conditions
Types of Stocks
Large-Cap Stocks
Top 100 companies by market cap - stable, lower volatility, consistent dividends
Mid-Cap Stocks
101-250 rank - growth potential with moderate risk
Small-Cap Stocks
Below 250 rank - high growth potential but higher volatility
Dividend Stocks
Companies with consistent dividend payout history
Growth Stocks
High revenue/earnings growth companies, minimal dividends
Investment Strategies
Value Investing
Buy undervalued stocks trading below intrinsic value
Growth Investing
Invest in companies with strong earnings growth
Dividend Investing
Focus on stocks with consistent dividend payouts
Momentum Investing
Follow stocks showing strong price trends
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