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Cherry-picking Works!
Mutual fund managers, with their skills and expertise, are expected to pick top-quality stocks that will deliver superior returns. Yet, time and again, we find most mutual fund (MF) schemes picking from a common set of stocks. Therefore, while there may be some good-quality stocks in the schemes’ portfolios, these may also contain stocks that can be a drag on the portfolio performance. Through our research and unique stock-picking formula, we have experimented with picking top stocks from the top equity schemes to create a portfolio that is expected to outperform the average equity scheme. We started our study in 2013, and have handsomely outperformed not only the benchmark, but majority of equity schemes in each and every year. This time, we pick 20 stocks. Which are these? Turn to our Cover Story to find out.
 
Even top MF schemes have a high proportion of stocks in their portfolio that are picked by other schemes. Yet, there are a few schemes that have identified stocks ignored by most other schemes and succeeded. Read our analysis on stocks that are common to MF scheme portfolios.
 
On the topic of investing, for those looking to make money in equities, R Balakrishnan outlines a few simple steps one should follow. As with all equity investments, time and patience are important. Most investors get impatient, especially when they start losing money temporarily.
 
In his New Year email to bank officers, the RBI governor, Dr Raghuram Rajan, has pointed out several issues that ail the system. Sucheta, in Different Strokes, writes that though he has correctly identified all the shortcomings, will this lead to the much needed change?
 
In Crosshairs, Sucheta writes on how RBI should consult its own regulated entities with on-ground experience first when looking for innovative ways to lend to the MSME (micro, small and medium enterprises) segment. She writes how one finance company is able to drive loan growth and keep loan defaults low, through the use of financial modelling. As always, do write to us to with your views and suggestions. 

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TRAI releases draft direction on broadband services
New Delhi : The Indian telecom watchdog on Wednesday released draft directions on delivering broadband services in a transparent manner.
 
In the draft directions, the Telecom Regulatory Authority of India (TRAI) has asked all telecom service providers rendering fixed broadband services to state on their website and also in all advertisements published through any media, the data usage limit with specified speed.
 
It also asked them to provide the speed of broadband connection up to a specified data usage limit and the speed of broadband connection beyond the data usage limit.
 
For mobile broadband, the telecom regulator said the data usage limit with specified technology (3G or 4G) for providing services has to be specified.
 
The TRAI also said the service providers need to mention the technology (3G or 4G) offered for providing broadband services up to a specified data usage limit and the technology (2G, 3G or 4G) offered for providing broadband services beyond the data usage limit.
 
The regulator also asked the service providers to ensure that download speed of broadband service provided to the fixed broadband subscriber is not reduced below 512 kbps in any broadband tariff plan.
 
It also asked the service provider to alert subscriber when his data usage reaches 80 percent of the data usage limit under his plan and ensure that such alert is provided to the fixed broadband subscriber at each login after data usage crosses the said limit of 80 percent.
 
"Send alert to the subscriber either through SMS or Unstructured Supplementary Service Data (USSD) on his mobile number, registered with the service provider or to his registered email address, each time when the data usage by the subscriber reaches 80 percent and hundred percent of the data usage limit under his plan - and furnish compliance report by the (date)," the draft direction said.
 
The TRAI has sought comments from the stakeholders in this matter.
 
Disclaimer: Information, facts or opinions expressed in this news article are presented as sourced from IANS and do not reflect views of Moneylife and hence Moneylife is not responsible or liable for the same. As a source and news provider, IANS is responsible for accuracy, completeness, suitability and validity of any information in this article.

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