Student Stress

Today's students are faced with many challenges, many additional pressures, and numerous stresses. High school creates a variety of difficulties and challenges for teens but on average their main stresses are schoolwork, personal problems and time consuming Jobs. Teens find themselves under far too much pressure. Being a teenager Is typically thought of as a fun and free time In life, but It's turning Into a stressful period in a person's life. Most teens set a goal of doing well in school to achieve their dream job or Just better themselves.Many classes feel short and quick, teachers buzz through topics and units faster than most can comprehend. Still, the teachers and parents expect you to be able to achieve high marks on tests and assignments. The work load is enormous. Every class you are expected to do an hour or two of homework every night and finding the time is close to impossible. Most programs at university expect a high 80 percent average. For some it comes easy, others, a great challenge. Expectations from universities and parents can add more stress on to your already trustful school life.I personally feel as If school has gotten a lot harder since our parents attended. Since they had a grade 13, an extra year to prepare and learn. This means that everything taught within five years Is now squeezed Into four. Learning at a quicker pace is a lot more difficult than having an extra year. High school impacts a student's life for the rest of their educational path. Along with many hours at school, most students have a part time Job to attend right after school. Work conflicts with school and the work load.I personally have a art time Job and after working 5-6 hours after school, homework is the last thing on my mind. Many teens get jobs to gain independence from their parents and stand on their own financially. However there is also the reality of funding post-secondary education. University tuitions are expensive and have been rising throughout the ye ars. Some the dream of university is all based around grades but the finances too. Saving up and working hard at school Is extremely stressful and hard to find a balance between school, work and a social life.Students need time to relax and moieties that's hard to find. I get extremely stressed whenever I have work and even the smallest amount of homework, so I can only imagine how it is for grade twelve working all the time with huge amounts of homework. Working as a teenager is stressful and adding homework on top of that can be unbelievable. Personal problems are a reality for almost everyone. But for teenagers it's harder to handle due to social media, bullying and parents. Social media has been a huge toll on many of my friends.The drama that surrounds social media can be tolling on a student's incineration. Privacy is a thing of a past with almost every personal problem now being slew on social media sights. This has happened to everyone at some point in high school, either be ing bullied on or off social media. Even If it's not In school, family stresses can dramatically Impact your day or your attentiveness In and out of school. High school is stressful from the start, but the stress accumulates as the years go important that students be able to recognize this stress and deal with it before it becomes overwhelming.

How groups can influence people Essay

In this essay, I am going to describe how groups can influence people in a positive and in a negative ways. I will be using evidence drawn from Chapter 5 of the study text ‘’Starting with psychology’’ Spoors et al (2011). It is in a human nature to be a part of a social group. Belonging to a group, such as family, clubs, sport teams or group of friends, give us support, it make us feel good about ourselves, give us a sense of social identity. It brings meaning to our life, it make us feel like we belong. However, being a part of a group can also have a negative effect. Group pressure can cause us to behave in a way that we will not normally do. To support my argument I will use as an example evidence from Kondo’s story and as well Zimbardo and Asch experiments (Spoors et al 2011). In our lifetime, we belong to many different social groups. Our social identity is based on the group we belong to, we enhance the status of our group in order to increase our self-image. We divide the world into people like ‘us’, who belong to our group, called the in-group, and those one who are different ‘them’, the out-group (Spoors et al 2011). Two psychologists Henri Tajfel and John Turner developed that theory. The theory argues that there are three mental processes involved in evaluating others as ‘them’ and us’ the first one is a social categorisation. We categorize other people and ourselves in order to understand and identify them. The second process is a social identification. When we know which group we belong to, we start behaving by the norms of our group. The last process is social comparison. After we categorize ourselves with a group, we start to compare our group with other groups. To maintain our self-esteem we will compare our group favourably with other groups. An experiment carried out by Philip Zimbardo and his colleagues (1971) Spoors et al (2011) provides evidence how people behaviour can change w hen they become a part of a group. They choose randomly a group of male participants and divide them into ‘guards’ and ‘prisoners’ and then located them in a simulated prison. After six days, the experiment had to be stopped, as the ‘guards’ became brutal and abusive towards ‘prisoners’, and the ‘prisoners’ begun suffering from emotional disturbance. This experiment shows how the previous perceptions that the participants have of the role of a prison  guards and prisoners, that probably came from watching films and television programs, influenced them to behave in a negative way. Another example of how groups can influence our behaviour is experiment carried out by Solomon Asch (Spoors et al 2011). He asked fifty participants to look at the picture of a straight line, and then showed them another picture with a three more lines of different lengths. Then he asked the participants to identify out loud the line that is the same length as the original one . Surprisingly 75 per cent of the group give a wrong answer, which was a result of a group pressure. People have the need for conformity that is why they go along with the norms of the groups. They want to be accepted as an in-group person. Conforming to group norms is sending a message to the other members of the group that I am not a thread, I am same like you, and I am following our rules. Asche’s experiment showed that the need for conformity pressured participants to give a wrong answer to a question; they just simply followed the rest of the group. An example of how group can influence us on a positive way is Kondo’s story in Spoors et al (2011). Dorinne Kondo is a Japanese American, raised in the USA. She went to Japan to do an anthropological research. She stays there for 26 months, a few months she stays with a Japanese family to learn how proper Japanese women supposed to behave and present herself. At the same time, she was acting as a scientific observer. That is a method of research called participant-observation, where the researcher is both an observer and a participant (Spoors et al 2011). The first few months in Japan were very stressful for Knodo; she did not understand the etiquette and traditions that are part of their everyday life. Every time she made a mistake, people trait her like she was retarded or insane. They were confused, as she looked like a Japanese women but she did not act in a Japanese manner. During her visit in Japan, her guarantor introduced her to Mrs Sakamoto who invited her to stay with her family for summer. It was a great opportunity for Kondo to learn about the traditions. During her visit she was trying to conform to their way of life, she wanted to feel their acceptance, so she start learning about her Japanese roots and proper etiquette, she took a part in a tea ceremony class. At the end of her visit in Japan, she was pleased with herself and all she have learned during her visit. She did not struggle any more to fit in both cultures, the approval of Sakamoto’s family had a good influence on her, it makes her feel  like she belong to their world. Kondo’s story demonstrates that in our lifetime ‘’we have multiple social identities, which continue to evolve as we grow older or when we move into new situations’’ Spoors et al (2011). In those few examples, I was exploring how groups can influence people in a positive and negative ways. Positively, by providing us a sense of belonging to the social world and bringing meaning to our life, as shown on an example of Kondo’s story, and negatively by pressuring us to conform and act out of character, what confirm an Zimbardo’s and Asche’s experiments.

To Study Swot Analysis for Portfolio Management Services Offered by Sharekhan Ltd.

SUMMERY In today’s business environment many of stockbroker’s offers PMS (Portfolio Management Services). While observing the business environment of Stockbrokers the main business is how they offer low brokerage and better services to the clients. In this context an attempt is made to study the SWOT analysis of PMS (Portfolio Management Services) offered by SHREKHAN Ltd. Which highlights what are the Strengths, Weaknesses, Opportunities and Threats of PMS (Portfolio Management Services) offered by SHREKHAN Ltd. as compare to other competitors offered this scheme. Also take the interview of 100 clients and observe what the expectations about the PMS (Portfolio Management Services) are offered by SHREKHAN Ltd TABLE OF CONTENTS ? Acknowledgments †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Abbreviations †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? An Executive Summary †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? Industry Profile†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Company Profile†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? Market share of Share khan†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Introduction to project†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Hypothesis of the Project †¦Ã¢â ‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Objectives Project†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Limitations of the Project†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Research Methodology †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Empirical Analysis †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? Conclusion †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Bibliography†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Abbreviation AMC:Annual Maintenance charges. BSE:Bombay Stock Exchange. DP:Depository participant. IPO:Initial Public Offer. MCX:Multi Commodity Exchange. MT:Management Thesis. NAV:Net Asset Value. NCDEX:National Commodity and derivatives Exchange. NCFM:National Stock Exchange Certification In Financial  services. NFO:New Fund Offer. NSE:National Stock Exchange. PMS:Portfolio Management Services. SEBI:Security Exchange Board of India. Industry Profile By 1830's business on corporate stocks and shares in Bank and Cotton presses took place in Bombay, there were only half a dozen brokers recognized by banks and merchants during 1840 and 1850. In 1860-61 the number of brokers increased to about 200 to 250. In 1895, the Stock Exchange acquired a premise in the same street and it was inaugurated in 1899. Thus, the Stock Exchange at Bombay was combining. Trading Pattern of the Indian Stock Market Trading in Indian stock exchanges is limited to listed securities of public limited companies. They are broadly divided into two categories, namely, †¢ Specified securities (forward list) †¢ Non-specified securities (cash list). A member broker in an Indian stock exchange can act as an agent, buy and sell securities for his clients on a commission basis. National Stock Exchange (NSE) The National Stock Exchange was incorporated in 1992 by Industrial Development Bank of India, ICICI, all Insurance Corporations, selected commercial banks and others. Trading at NSE can be classified under two broad categories: (a) Wholesale debt market and (b) Capital market. Wholesale debt market operations are similar to money market operations – institutions and corporate bodies enter into high value transactions in financial instruments such as government securities, treasury bills, public sector unit bonds, commercial paper, certificate of deposit, etc. There are two kinds of players in NSE: 1. Trading members and 2. Participants. Recognized members of NSE are called trading members who trade on behalf of themselves and their clients. Participants include trading members and large players like banks who take direct settlement responsibility. India's oldest and first stock exchange is Bombay Stock Exchange which is established in 1875. More than 6,000 stocks listed in BSE. Totally there are 22 stock exchanges in India. They are located in Ahmadabad, Bangalore, Calcutta, Chennai, Delhi etc. There is also a National Stock Exchange (NSE) which is located in Mumbai. There is also an Over the Counter Exchange of India (OTCEI) which allows listing of small and medium sized companies. The regulatory agency which oversees the functioning of stock markets is the Securities and Exchange Board of India (SEBI), which is also located in Bombay Overview of Company Sharekhan is a firm, which is working under SSKI (S. S. Kantilal Ishwarlal Securities Ltd. ). SSKI was founded in 1922. SSKI is One of India’s Oldest Brokerage Houses Having Eight Decades of Experience into: ? Institutional Broking ? Investment Banking ? Retail Broking It is one of the Founding members of the Stock Exchange, Mumbai and Pioneer Institutional Broker. SSKI Entered into Retail Broking in 1985. Share khan is the Retail Broking Arm of the BIG 80 Years old organization i. e. of SSKI and â€Å"Sharekhan† is the Brand Name given to its Retail Business. SSKI carries out its Retail Broking Activities under â€Å"Sharekhan† Brand Name. Sharekhan Outlets act as Full Service Investment Solutions Provider, providing you wide range of services like – ? Equity & Derivatives Trading on NSE and BSE ? Online Trading ? Commodities Trading on MCX & NCDEX ? Portfolio Management Services ? Depository Services ? IPO Services ? Wide Range of Customized Research Products ? Uniform Service Standards Offerings of the Sharekhan: – Sharekhan offers both Offline and online trading account. But now a days it mostly concentrates on online trading account through which a customer can buy and sell shares in an instant from any part of the globe trough website. It does not take into account any type of physical restriction of going to the broker for carrying out a transaction or any type of settlement of payment. It facilitates the customer a speedy and hassle free transaction. Share khan’s product consists of a 4-in-1 concept, which integrates: †¢   D-mat Account †¢ Trading Account †¢ Bank Link †¢ Dial-N-Trade For doing a trading of shares everyone need D-mat A/C. In his D-mat A/C one can keep his shares. Then Sharekhan provides a Trading A/C  . Through this trading account, a Sharekhan customer can directly transfer his funds from his savings account i. e. from bank account to Sharekhan to his trading account without any paper work. He can buy and sell shares from the website and also view the market prices of the shares he trades on the terminal. Sharekhan. com allows trading at present only on NSE. BSE trading will be shortly available. To open an account a customer requires filling up a form consisting of 12 agreements, a passport size photograph, a residential proof, a photo id proof and a cheque drawn of respective amount in favor of S. S. Kantilal Ishwarlal Securities Pvt. Ltd. & From 22 March, 2007  cheque is drawn in favor of Sharekhan Ltd. itself. After opening an account with Sharekhan, a customer will be given User id, Membership password and trading password, which will enable him to access his account and trade. Products of â€Å"SHAREKHAN†: – Sharekhan offers 2 types of products according to the volume-based requirements of the investors that are as follows:  Ã‚   CLASSIC ACCOUNT: †¢ This account allows the client to trade through the website and is suitable for the retail investors. Here maximum scripts that can be shown on the terminal are only 25. Also the technical charts are not available. †¢ It’s a JAVA BASED APPLET, which allows trading only through website and see latest prices of the scripts of your choice which is attached below. †¢ This account also allows trading in Derivatives. †¢ The lifetime registration charge for this account is Rs. 750 and there is no constraint of minimum turnover. SPEED TRADE ACCOUNT: – o This is ideal for active traders who transact frequently during day’s trading session to capitalize on intra-day price movements. Speed trade is Internet-based application based software, which is available on a CD, which provides everything a trader needs on one screen, thereby, reducing the time required to execute a trade. o Speed trade offers a tick-by-tick update on stock price movements with market depth and intra-day chart and lets the client do his own stock/technical analysis. o While the Lifetime charge for this account is Rs. 1000 /- with a minimum brokerage of Rs. 1500 /- to be generated each quarterly. OFF LINE SERVICES- ? In this Dmats A/C is open in Rs 350/- ? In this trader has to come in office for trading. Bank Connection: – Sharekhan has affiliation with 8 banks, which allows its customers to enjoy the facility of instant credit and transfer of funds from his savings bank account to his Sharekhan trading account. The affiliated banks are as follows:   ? HDFC BANK ? UTI BANK ? CITI BANK ? ICICI BANK ? OBC BANK ? UNION BANK ? INDUSLAND BANK ? IDBI BANK DIAL-N-TRADE: – It is also an exclusive service available to all Sharekhan customers for trading in shares via the telephone. On dialing the toll free number 1800-22-7500 the customer will be directed to a tele-broker who will buy or sell shares for him. After Hour Orders: – Sharekhan customers also enjoy the facility of placing orders even after the trading hours, and the orders are executed as soon as the market opens. Brokerage:- †¢ It is one of the important things, which are observed by the customer while opening a D-mat A/C. †¢ For Intraday Transactions they charge 0. 05 % on each leg Transaction. †¢ For Delivery Transactions they charge 0. 50 % on each leg Transaction. & †¢ For Derivatives Transactions they charge 0. 05 % on each leg Transaction. Trade in Commodity: – Sharekhan also trade in commodities like Bullion: Gold / Silver and Agricultural commodities through Sharekhan Commodity Pvt. Ltd. which are a wholly owned subsidiary of its parent SSKI. Research Team of Sharekhan: – Research and in-depth knowledge of markets provide better than speculations or reacting to rumors. Research team provides knowledge to their customers about market condition. †¢ In morning they provide â€Å"Eagle Eye† which tells about how the market will be in whole day. †¢ In afternoon they provide â€Å"High Noon† which tells that up to that time how was the market and what about the remaining time what will be the condition of the market. †¢ After the market they analyze the market summery of the whole day and give idea about next day market. Mobile-N-Trade facility: – Now Sharekhan is providing the facility that their customers can do trading with the help of their mobile handset. For that purpose they have to pay some extra charge to activate that facility. Importance of the research to the Organization: – 1) The organization get’s the competitive information about the pricing strategy of their competitor’s. 2) Through that they can establish their new pricing strategy to gain competitive advantage. 3) They came to know the effects of using the pricing strategy in the market. Location of company: SHAREKHAN Limited Cross Land, 1204/22, J M Road, Opposite Shambhaji Park, Shivajinagar, Pune, 411005 Phone No. :  020 25520002 Way to Share Khan (JM Road, Pune) Products of Sharekhan:- 1) Stock broking (NSE,BSE) 2) F & O broking (Future and option) 3) PMS (Portfolio Management Services) 4) Commodity trading 5) Insurance 6) Mutual fund 7) Pan card 8) IPO (Initial public offer) |Sharekhan Services | |Sharekhan, one of India's leading brokerage houses, is the retail arm of  SSKI. With over 510 share shops in 170 cities, and India's premier online trading | |portal www. sharekhan. com, our customers enjoy multi-channel access to the stock markets. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Introduction The project assigned is â€Å"TO Study SWOT Analysis For Portfolio Management Services Offered By SHAREKHAN Ltd. In JM Road, Pune†. The purpose of project is to understand Portfolio Management Services, its function, terms involved in and types of Portfolio Management Services. And also study competitors PMS Services in this way that to help the company in its day-to-day work. I worked with the company as a management trainee in SHAREKHAN ltd. Hypothesis 1. People those have large excess money interested in investing in PMS. 2. Retail investors are also now take interest in this scheme. 3. PMS scheme does not have more impact on sales revenue of SHAREKHAN. OBJECTIVE ? To study Portfolio Management Services Offered By SHAREKHAN Ltd. To understand Portfolio Management Services and its importance. ? To study various types of Portfolio Management Services ? To know about the Portfolio Management Services Offered by competitors of SHAREKHAN Ltd ? To understand and know various term s used in and process used in Portfolio Management Services in market. ? Make the SWOT analysis of Portfolio Management Services offered by SHAREKHAN Ltd. LIMITATIONS While completing this project following limitations are occurred: ? Graphical Constraint: – ? Wrong Mind Set about Share Market: – ? Lack of awareness: – ? Lack of Money: – Methodology This project is Descriptive type of the project. In this project I considered only the part of pricing strategy of the organization, and I also studied the topic of my Management Thesis from angle of 360 degree. This project comes under the Formal Research in which objectives are clearly defined and where researcher gathers whole information about all aspects of the project. There is a formal procedure to conduct research; I followed following steps of methodology to conduct the research, Identifying & Defining Problem Planning the Research Design Selecting a Research Method Selecting a Sampling Procedure Data Collection Evaluating the Data Preparing the Research Report Sources of the Information: – While collecting the data for project two types of Sources are used. 1. Primary sources : – In this, data is collected directly from respondents using questionnaire, direct observation & interview techniques. So for this purpose I visited 150 people in the JM Road, Pune. I interviewed them and asked them various questions related to my project and try to find out the actual result 2. Secondary sources: – In this type of data collection I used the information which is already collected by some other person or in printed form before I collected. Sources of secondary data include websites, books, Internet, Journals and also the pamphlets, and the broachers made by the company for their advertisement, etc. I used above methodology & data sources for my project by following steps What is PMS (Portfolio Management Services)? Meaning of PMS The word portfolio means a set or group or combination of securities held by and investor. And the word management means to conduct or manage in a proper way. Thus it means managing of share in a proper way expecting the risk and return. Portfolio Management is the process of selecting a bundle of securities that will provide the investing organization a maximum yield for a given level of risk or alternatively ensure minimum risk for a given level of return. A portfolio is defined a s the composite set of ownership rights to financial assets in which the investor wishes to invest. Portfolios are, thus, composed of securities. It means manages your money by fund manager. It just like Invest your money in PMS, sit back and do nothing. † Advantages of investing in PMS V/s Mutual Fund †¢ You have greater control over the asset allocation, whereas it is automatic in a mutual fund. †¢ The portfolio can be customized to suit your risk-return profile †¢ The portfolio man ager has relatively greater flexibility to move in and out of cash as and when required depending on the market view. †¢ Typically, charges are lower and more transparent in PMS vis a vis a Mutual Fund †¢ Holdings not impacted by entry / exit of the investors. How Sharekhan Manages Portfolio? Sharekhan portfolio Management Services ? Protech ? Proprime ? Proarbitrage [pic] A Trading based portfolio management scheme :- Sharekhan introduces a PMS Protech for- a client with higher risk profile using the tenents of Technical Analysis. Product Offerings 1. Nifty Thrifty 2. Beta Portfolio 1. Nifty Thrifty:- Nifty futures are bought and sold on the basis of an automated trading system that generates calls to go long / short. The exposure never exceeds value of portfolio i. e. there is no leveraging; but being short in Nifty allows you to earn even in falling markets and there by generates linear returns. Features of Nifty thrifty: o Nifty futures are bought and sold on the basis of an automated trading system that generates calls to go long / short. The exposure will never exceeds the value of the portfolio i. e. no leveraging; but will allow to be short in Nifty in falling market therefore allowing the client to earn irrespective of the market direction. o The balance money will be invested in Liquid Funds o Money management rules will be in place to see th at the capital is not eroded. 2. Beta Portfolio:- Stocks in long term technical up trends are identified at various inflection points in their trading cycles. 80% of the portfolio is traded in delivery of such stocks. 20% is used in creating and options book i. e. buying calls/puts of the index / stocks to increase the portfolio beta and hedge against pitfalls. Features of Beta Portfolio: Stocks in long term technical up trends are identified at various inflection points in their trading cycles o 80% of the portfolio is traded in delivery of such stocks. o 20% is used in creating and options book i. e. buying calls/puts of the index / stocks to increase the portfolio beta and hedge against pitfalls. o The use of timing for delivery and options for a higher beta will attempt to offer a superior rate of returns by taking a risk only 20% of the capital. o Money management rules will be in place to see that the capital is not eroded. o Portfolio rebalancing may be conducted between the cash and options segments based on the profitability of each segment. Product characteristics: Using swing/momentum based index trading systems with stop/reverse trend following. ? Investor get the best of worlds by: ? Having positions in cash and options ? Delivery positions enable profit maximization, while options position offered high beta short term profit in the same portfolio. ? Low impact cost. Product details: †¢ Minimum investment Rs. 5 Lakh †¢ Lock in for 3 months †¢ Fortnightly reporting of Portfolio Net Worth †¢ Monthly reporting of Portfolio Holdings/Transactions †¢ 20% profit sharing fees on booked profits quarterly basis †¢ 5% discount on profit sharing fees [to 15%] for investment of 1 crore OR lock in of 1 year. †¢ 0% AMC fees Brokerage 0. 05% for derivatives and 0. 30% for delivery. Nifty futures will be bought and sold on the basis of an automated trading system that will generate calls to go long/short. The system has been test ed over the last 20 years of data  and  performance has been very good [details or returns v/s risk are available  for interested investors]. The portfolio's exposure will never exceed the value of the portfolio, i. e. there shall be no leveraging. But the strategy will allow us to go short/hedge on Nifty in falling markets, thereby yielding returns irrespective of the market direction. The portfolio will either be long or short at all point time. Nifty Thrifty: | |Nifty futures are bought and sold on the basis of an automated trading system that generates calls to go long/short. The | |exposure never exceeds value of portfolio i. e. there is no leveraging; but being short in Nifty allows you to earn even in | |falling markets and there by generateslinear | Product offerings: 1. The Aggressive Scheme: Ideal for investors looking at higher returns with high risk appetite. This portfolio consists of high growth stocks fulfilling any of the following conditions: ? Expected growt h in profitability Turn around and corporate restructuring enabling value unlocking ? Relatively low valuation ? Mid to small cap companies 2. The Balanced Scheme: Ideal for investors looking at steady returns with low risk appetite. This portfolio consist of blend of quality blue chip and growth stocks ensuring a balance portfolio with relatively medium risk profile. Product approach: Investments are based on 3 tenets: I. Consistent, steady and sustainable returns II. Margin of safety III. Low volatility Product characteristics: ? Bottom up stock selection ? In-depth, independent fundamental research ? High quality companies with sustainable competitive advantage ? Disciplined valuation approach applying multiple valuation measures ? Medium to long term vision, resulting in low portfolio turnover Product details: ? Minimum investment: Rs. 5 lakh ? Lock in: 3 months ? Reporting: Online access to portfolio holdings, monthly reporting of portfolio holdings/transactions ? Charges: 2. 5% per annum AMC fees charged every quarter, 0. 5% brokerage, 20% profit sharing after 15% hurdle is crossed- chargeable at the end of the fiscal year. Product offerings: Cash-future Arbitrage: it spots risk free opportunities that yield greater returns than conventional risk free products. On spotting the opportunity, the stock is bought and future is sold to lock in the spread. Position is liquidated if the spread things before time or on expiry, whichever comes earlier. In this manner, the scheme moves from one opportunity to another. Product approach: There is an inherent opportunity in the spread that lies between cash and futures. When the spread is high stocks are bought; at the same time futures are sold to lock in the difference which is then bound to be zero at expiry. Product characteristics: Risk Free: On the whole, it is risk-free and can be compared to RBI bonds and GILT funds. High Returns: As compared to other zero risk products, it offers roughly an 8% post tax returns. Product details: ? Minimum Investment: Rs. 5 lakh ? Lock in: 3 months Reporting: fortnightly for portfolio net worth, monthly for portfolio holdings/Transactions ? Charges: 0. 035% brokerage for cash,0. 075% for delivery SWOT ANALYSIS Of PMS (Portfolio Management Services) offered by SHAREKHAN Ltd. Strengths In Sharekhan’s PMS (Portfolio Management Services) It has a pr oduct like NIFTY THRIFTY. It is the big strength for Sharekhan, because Sharekhan is only the license holder of NIFTY THRIFTY. Generally investors give more preference to this product because it works on the TECHNICAL basis and gives maximum returns is just about 40%. It is the maximum returns that no other product gives this much of returns to investors. The other product i. e. BETA Portfolio which works on Fundamental level. In this product 80% of the portfolio is trade in the Delivery basis and the remaining 20% is trade in Option basis i. e. buying calls/puts. so investors gets fixed returns. So the product ProTech is very big strength of the Sharekhan Ltd. Weaknesses Sharekhan’s other products ProPrime and ProArbitrage does gives as much business as ProTech. In this two products risk is low and the returns are also steady or low. In this scheme money of investors invested in RBI Bonds and GILIT funds, in this way though as compare to other zero risk products, it offers roughly 8% post tax returns. So generally because of this investors are not prefere to invest their money in this scheme. Because of large investment in PMS (Portfolio Management Services) it is minimum 5 lakh Investors does not take interest in such scheme. Sharekhan does not have the product of small investment, under 5 lakh that the retail investors also take interest in PMS (Portfolio Management Services). Opportunities As per mention above only Sharekhan has the license to operate ProTech which includes NIFTY THRIFTY and BETA portfolio so investors does not have any other option for investing there money if they want to invest in ProtTch. So this is proved as a very big opportunity for Sharekhan to capture the market and to get the customer as far as ProTech is concern. As per the studies the retail investors are taking interest in investing in PMS. Because in PMS the portfolio is managed as a individual basis. In PMS services there is a fund Manager who manages our portfolio. So now retail investors are also take part in PMS services. So it will be opportunity for Sharekhan to increase their business and will take market lead. Threats In Pune Kotak and Motilal Oswal are the good competitors of Sharekhan. Because Kotak has a 12 years experience in PMS services , they have good products like Sharekhan . The second competitor is Pukhraj Securities because they provide the PMS scheme which has the minimum investment Rs 2, 00,000/- And Sharekhan has the products which has minimum investment Rs. , 00,000/-So Pukhraj also become a good competitor for Sharekhan. Second the entries of Reliance in stock broking will defiantly create a problem for Sharekhan. Market share of different stock broker for PMS in Pune [pic] The market share for PMS in Pune is captured by Kotak more than Sharekhan as well as other stock brokers. It is leading be cause Kotak provide this service from more than 12 years. Sharekhan started this scheme from 2003. In very short period it also captures market and highly competes with Kotak. And put back to the others. [pic] Because of higher investment requisition such as minimum investment is of Rs. 5,00,000/- in PMS so the no of investors are less than other products. [pic] After taking the 100 client’s interview the result is derived as out of 100 investors 35 are go for sharekhan to invest their money. The second on the rank is Kotak. So it is proved that the PMS scheme provided by sharekhan is more preferred by investors. Conclusion After the studies I have concluded that if company provides the better product as well as schemes not only high class or higher income group will invest but the middle income group is also take interest in investing their money in share market. Only because of one best product and scheme if company launches it can be a market leader for that and will captures the more share of market. BIBLIOGRAPHY Books: – Financial Management Textbook. ? Marketing management Textbook. ? Sip student’s Manual Book. Pamphlets Printed by Various Stock Broking Firms. Web Sites: – ? www. Sharekhan. com ? www. MoneyControl. com ? www. Kotak. com ? www. AnandRathi. com ? www. MotilalOswal. com ? www. ICICIDirect. com ———————– I understand objectives of my management thesis. I prepared questionnaire to collect primary data from customers. I used data collection techniques like questionnaire & interviews. I compiled collected data using excel sheet. I analyzed collected data using various tools & graphical way. I draw conclusion from collected data & make report on it. Pune

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