Panch Tattva Wisdom

Dear Friends,

We cover stocks listed under the Nifty 100 and share our independent views. Whenever results are declared, we analyze them thoroughly, taking into account almost every aspect of the business and its environment. Our insights are presented concisely under the section titled ‘Stock-Specific Recommendations.’ The framework we follow is called the ‘Panch-Tattva’ system of study.

To help you understand our method better, here are some key guidelines:

a) A direct “Buy” or “Sell” recommendation implies immediate action should be taken, regardless of the reference price.

b) Sometimes, we suggest buying/selling in parts — one part immediately, and the rest when a specific price level is reached (before the next recommendation).

c) If we mention ‘Retain/Buy’, it means — if you already own the stock, retain it; otherwise, buy it.

d) A recommendation marked ‘Medium-Term Only’ suggests booking full profits even before the next update. If marked ‘Long-Term’, then hold until further observation is published.

If both ‘Medium and Long-Term’ are mentioned, then:

Book profit on half the quantity when a gain of 5–7% is seen during the period.

Retain the remaining half until the next observation.

Stop-Loss Application:
Given the dynamic nature of markets, applying stop-loss is essential:

Sell half your position if the stock underperforms the broader indices by 5%.

Exit fully if the underperformance reaches 7%.
Once exited, there is no need to revisit that stock until new results are out.

All past opinions remain unchanged and can be validated by revisiting the price charts over time. These are personal views and not formal investment advice.

The Panch-Tattva system has been empirically tested over more than a decade (you will have to take trouble of visiting an earlier blog http://www.krsnakhandelwal.wordpress.com for capturing the historical flavours) . Several portfolios have been constructed based on these recommendations — feel free to explore them under the ‘Portfolios’ section. All transactions are transparently recorded as soon as an opinion is formed. In cases where the recommended price is achieved later, the transaction is executed at that point.

We take pride in maintaining complete transparency, but you are the best judge. You are encouraged to review the ‘Portfolios’ section to see how our opinions have performed over time. Feel free to ask questions — we will be happy to respond.

Please visit the blog regularly.

If you wish to request an opinion on a specific stock, feel free to reach out to me at: +91 9106526440
or khandelwal.kkinsurance@gmail.com

This blog is, in a way, my personal diary.
If anyone needs help with portfolio management, you are welcome to get in touch, and we can explore possible arrangements.

Hari Om,
Krishna Khandelwal