Today's Wr-APP Up is a Bit Different... - The 5 Minute WrapUp by Equitymaster
Free Reports

Today's Wr-APP Up is a Bit Different...

Dec 22, 2015

In this issue:
» India to be the fastest growing nation in the world over the next decade?
» RBI working on peer-to-peer lending guidelines
» ...and more!
Devanshu Sampat, Research analyst

For nearly two decades, Equitymaster has been on one mission and one mission only: to empower the little guy - you, the individual investor...

Empower you by creating providing unbiased honest independent research...and by helping you make your own decisions.

We began our mission with an annual publication - The Equitymaster Stock Market Yearbook - a book that provides historical financial data on India's top companies.

Shortly thereafter, in 1996, we ventured onto the internet, launching what you now know as

In fact, it turned out that we were the first finance website in the country!

We then brought in the Equitymaster conferences and investor meets as a means to interact with our subscribers.

And now we are proud to announce that we have added another platform to connect with you...

The Equitymaster Android App.

I was personally involved with its development, and I can confidently say that the Equitymaster Android App makes it easier than ever to access the very best we have to offer...

Everything from our views on the markets, the economy, and investment live stock quotes, result analysis, recommendation reports, a portfolio tracker, and all the tools you need to do technical analysis on your mobile phone.

You'll also find The 5-Minute WrapUp (Premium edition also available) and our other very popular newsletters.

With the app, you'll be able to keep a close watch on your favourite stocks with the help of MyStocks and Market you can create price alerts (buy and sell) on stocks in your portfolio tracker.

Response to the app has been way beyond what we expected. As of this morning, we are rated 4+ on the Google Play Store, ranking it among the top finance apps out there.

Here's what some of the app users have to say...

  • "Simple and easy to use I love the new app. Read it everyday on my tablet. On mobile the app is very responsive and smooth. Keep up the good work."
  • "Both useful and user-friendly. A rare combination."
  • "Excellent app for excellent content. Content is always good for this website. Now they have improved their app, and it is really very useful. They way reports are displayed makes it very user friendly."

There is every reason for you to try the Equitymaster Android app today. But if you need one more, here's this: It's FREE to download!

Click here to download the Equitymaster Android App right away...

NOTE: On downloading the Equitymaster app, you will get access to our exclusive 'The 7 Secrets of a Shrewd Value Investor' report, which is available ONLY on the app.

We are always looking to improve upon our efforts. Do share your views on the Equitymaster app with us. Let us know your comments or share your views in the Equitymaster Club.

--- Advertisement ---
Do You Know This SECRET To Increase Your Investment Returns?

Let's face it... Investment advice is dime a dozen.

But even at that price, is it worth it?

For example, most people will tell you small caps are risky and you should stay away from them.

Yet, certain small caps have gone on to deliver returns like 139% in seven months, 100% in one year one month, 241% in three years three months, 126% in eleven months, 79% in four months, 2,263% in six years and three months, 832% in five years eight months, and more.

Wouldn't you want to benefit from such recommendations too? Or would you just ignore it because somebody told you small caps are dangerous?

For more than seven years, we at Equitymaster have been recommending our subscribers high-potential small caps.

And the returns you just saw are from just some of our small cap recommendations.

Click here to see how YOU too could benefit from high-potential small caps regularly...

2:20 Chart of the day

Did you know that Harvard University has predicted that India's economy will grow the fastest over the next decade? That's right. The Centre for International Development at Harvard has projected an annual growth rate of 7% from 2015 to 2024 for the Indian economy. This is well above the growth rates of all major economies. Comparatively, China, US, Germany, and the UK, are expected to grow at 4.3%, 2.8%, 0.35%, and 3.2% respectively.

This begs the question; does the economy really need a push? We are not downplaying the importance of reforms. They are absolutely vital if India is to reach its true potential. The point we are making is the government doesn't really need to worry about a lot more other than reforms. The economy will do just fine in the long-term in our view.

The Focus Should be on Reducing the Deficit

The chart shows just how important it is to maintain restraint and not consider a stimulus. Inflation is still higher compared to other nations. The fiscal deficit is still a problem despite falling crude prices. With the world trapped in a deflationary cycle, we believe the government would do well to focus on much needed reforms to set the stage for stable & high long-term economic growth.


We came across an interesting article in the Economic Times which stated that the RBI is planning guidelines for peer-to-peer lending in India. We believe this could be a game changer for the economy in the long-term. In developed nations, this type of informal lending, outside the banking system is thriving. The growth in crowd-sourced funds has been rapid.

This form of lending is very popular among individual borrowers and lenders as well as small businesses. It's not hard to imagine why. These are the people who find it difficult to get loans from banks due to the lack of credit histories. Online portals help to resolve this issue by directly connecting borrowers with lenders and collecting a small fee in the process.

There are risks to this type of lending of course. The default rates could be higher. The lack of credit histories is a major hurdle. However, we view this development positively. As per the article the RBI would release a consultation paper soon. We will track this development closely.


At the time of writing, the Indian equity markets were trading flat with the Sensex up by about 14 points. Stocks from the mid and small cap segments were in demand as their representative indices were trading higher by about 0.3% and 0.5% respectively. While banking and pharmaceutical stocks were favoured, those belonging to the information technology and FMCG spaces were least in demand.

4.49 Today's investing Mantra

"You get recessions, you have stock market declines. If you don't understand that's going to happen, then you're not ready, you won't do well in the markets." -Peter Lynch

This edition of The 5 Minute WrapUp is authored by Devanshu Sampat (Research Analyst).

Today's Premium Edition.

Oil Companies: Is There Life Beyond the Oil Price Crash?

In these times of low oil prices, let's step back and take a look at the kind of returns Indian oil businesses have delivered to their shareholders over the long term
Read On...Get Access

Recent Articles

Where Can You Find Safe Quality Stocks in This Market? July 13, 2018
Don't define quality by market capitalisation. Look for quality stocks across market caps instead.
How to Avoid a 90% Loss Suffered by This Super Investor July 12, 2018
Blindly following super investors is a dangerous game to play. Here's how you can avoid such mistakes.
Protect Yourself from Trump's Trade War July 11, 2018
The US and China hit each other with punishing tariffs last week. The collateral damage could be huge if the trade war escalates further.
A Small Tweak to Buy Stocks with Maximum Upside at Minimum Risk July 10, 2018
The headline grabbing stocks are not the best ones to buy. They are typically the ones that have already gained the most or are losing the most.

Equitymaster requests your view! Post a comment on "Today's Wr-APP Up is a Bit Different...". Click here!

2 Responses to "Today's Wr-APP Up is a Bit Different..."


Dec 26, 2015

Technological adoption is the way forward its good to see Equitymaster updating its approaches...
Any plans to launch iOS app ...


Pradeep Kumar Nair P

Dec 23, 2015

Hi Rahul,

I was wondering what the app does that I do not get from or your other channels.

I think is is pernicious, this app mania. While adding it as another channel to your existing one is good , it is now conclusively proven that the "app" channel does not work and even more importantly it encourages a pernicious culture of instant gratification and over a period of time creates negative action bias (right or wrong) , which is diametrically opposite the value system you are trying to encourage all your clients and investors. If i were you, I would not give it undue weightage and save the money and effort to encourage your clients to download with messages like "download right away" , we are no 4 on Google app store etc.

P.S: I consult in tech space and i work with several clients big and small startups and the amount of destruction that I am seeing on a daily basis amongst the clients on this mania, forced me to reconsider and change my view point

Equitymaster requests your view! Post a comment on "Today's Wr-APP Up is a Bit Different...". Click here!
Equitymaster Agora Research Private Limited (hereinafter referred to as "Equitymaster"/"Company") was incorporated on October 25, 2007. Equitymaster is a joint venture between Quantum Information Services Private Limited (QIS) and Agora group. Equitymaster is a SEBI registered Research Analyst under the SEBI (Research Analysts) Regulations, 2014 with registration number INH000000537.

An independent research initiative, Equitymaster is committed to providing honest and unbiased views, opinions and recommendations on various investment opportunities across asset classes.

There are no outstanding litigations against the Company, it subsidiaries and its Directors.

For the terms and conditions for research reports click here.

Details of Associates are available here.

  1. 'subject company' is a company on which a buy/sell/hold view or target price is given/changed in this Research Report.
  2. Equitymaster has financial interest in ONGC.
  3. Equitymaster's investment in the subject company is as per the guidelines prescribed by the Board of Directors of the Company. The investment is however made solely for building track record of its services.
  4. Equitymaster's Associates and Research Analyst or his/her relative doesn't have any financial interest in the subject company.
  5. Neither Equitymaster, it's Associates, Research Analyst or his/her relative have actual/beneficial ownership of one percent or more securities of the subject company at the end of the month immediately preceding the date of publication of the research report.
  6. Neither Equitymaster, it's Associates, Research Analyst or his/her relative have any other material conflict of interest at the time of publication of the research report.
  1. Neither Equitymaster nor it's Associates have received any compensation from the subject company in the past twelve months.
  2. Neither Equitymaster nor it's Associates have managed or co-managed public offering of securities for the subject company in the past twelve months.
  3. Neither Equitymaster nor it's Associates have received any compensation for investment banking or merchant banking or brokerage services from the subject company in the past twelve months.
  4. Neither Equitymaster nor it's Associates have received any compensation for products or services other than investment banking or merchant banking or brokerage services from the subject company in the past twelve months.
  5. Neither Equitymaster nor it's Associates have received any compensation or other benefits from the subject company or third party in connection with the research report.
  1. The Research Analyst has not served as an officer, director or employee of the subject company.
  2. Equitymaster or the Research Analyst has not been engaged in market making activity for the subject company.
Definitions of Terms Used:
  1. Buy recommendation: This means that the investor could consider buying the concerned stock at current market price keeping in mind the tenure and objective of the recommendation service.
  2. Hold recommendation: This means that the investor could consider holding on to the shares of the company until further update and not buy more of the stock at current market price.
  3. Buy at lower price: This means that the investor should wait for some correction in the market price so that the stock can be bought at more attractive valuations keeping in mind the tenure and the objective of the service.
  4. Sell recommendation: This means that the investor could consider selling the stock at current market price keeping in mind the objective of the recommendation service.
If you have any feedback or query or wish to report a matter, please do not hesitate to write to us.