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About Me

My name is Sivam Nirmal, and I am a trader, investor, consultant, and blogger. I mentor Indian retail investors to understand how the market works so they can invest in the right stock at the right price and at the right time.

Always wanted to be in the equity market more as a personal hobby.

My Story

Like any other investor, I also started to look at the market as a money-making opportunity. When the markets were booming in 2017, I made my first trade on 22nd June 2017 and purchased few shares In a day or two, I was richer by Rs 300 on an investment of Rs.50,000.

I started multiplying numbers. Daily 300 Rs could mean I can easily make more than my job. Hurray !!! I was on top of the world and wanted to invest a lot more and started to look for more source of funds.

Soon reality kicked in, and I realised that it is not as easy as it was for the first time. I had some decent gains, but I also realized that those were one time gains and I am not able to repeat them on a constant basis.

I tried really hard to repeat my gains without much knowledge back then but not only I lost my earlier gains but even quite a bit of my capital.

As famous quotes say “You Learn More From Your Losses Than Your Wins” and the same applied to me.

Despite my losses, I was convinced that there’s money to be made from the stock market but there is something that is not transparent to me. If money cannot be made from the stock market, why are so many big investors keep investing in market and why the turnover in the exchanges all over the world is ever increasing.

This is when I started to study market from various aspects (Technical Analysis, Fundamental Analysis, Fractal Analysis, Swing Trades) and it help me understand

  • How to spot the right stock from thousands being traded?
  • How to determine the right price of the stock?
  • How to find the right time to invest in a stock?
  • How to avoid market fears?
  • How to control market greed?
  • How to book a loss and yet be profitable in the market?
  • How to not over diversify in market and invest with focused approach?

My Popular Articles

This page will guide to go through all my blog articles to find the best and the most relevant content for you.

  • Wealth Building Portfolio – A report I share each month of the progress to my wealth building portfolio of stocks and mutual fund position added with reasons and contract notes to remain fully transparent. I also share important lessons I learn along with the plans for the upcoming month.

Diversification

  • Diversifying Your Portfolio – Everything You Need to Know About Diversification – Understand diversification and see why Indians crave for portfolio diversification and help you diversify your portfolio even if you know very little about the market.
  • Types of Mutual Funds – How to Really Diversify Investment Portfolio – Categorize the mutual funds and invest into as many category of mutual funds as possible to make mutual fund portfolio well diversified.

Trading

  • The 7 Basic Principles of Trading in Market – The 7 basic rules to trading in market that every trader should follow. You just cannot profit in market without knowing them.
  • How to Select The Right Stock for Day Trading? – Even if you don’t want to be day trading, knowing how it is being used by traders can help you invest at a better price on any given day.
  • 5 Best Trading Advice I Could Ever Give – The best 5 trading advice that you will ever need to read and follow to become successful in market.

Investing

  • Why Just Being a Long Term Investor Even In Blue Chip Companies Is not Enough – Investing in market is not all about remaining invested in market or invest in blue chip stocks and hold for at least 5 to 10 years?
  • 5 Common Mistakes When You Follow Warren Buffet Quotes On Social Media To Invest in Market – When share price goes down by 5% I buy and exit at profit of 20%. I am not seeing any profit in my portfolio and so can you tell me what the hell am I doing wrong.
  • 5 Best Investment Advice I Could Ever Give – The best 5 investment advice that you will ever need to read and follow to become successful investor in market.

Picking Right Stocks

  • How I Find Stock For Investing – The Complete Process With Examples – How I generate investment ideas in the Indian growth story, what sectors I totally avoid along with the tools I use to find that perfect investment opportunity.
  • 9 Investment Checklist I Follow Before Investing In Any Stock – Here is my ultimate checklist that I always follow before considering any business for investing.
  • What One Should Look For In A Company When Evaluating a Business? – The stock should pass my investment checklist and fundamental analysis before getting into these business checklists before I consider it for an investment.

Reviews

  • Sharekhan PMS Review – My Experiment with 500,000 Rupees – I hardly could find any information or review about the portfolio management services online and so I was only left with doing the experimentation myself. In my recent review about stock brokers my top pick was ShareKhan and so I thought let us experiment a PMS with them and see.
  • PowerYourTrade Review – Facts and Hidden Truth – Review of PowerYourTrade Multibagger Stock Tips Service along with hidden truth about 2000% gained stock ideas that you see on the website.

Fundamental Analysis

  • Fundamental and Technical Analysis – Everyday when you watch TV for Financial news you specially hear couple of terms very frequently aka Fundamental and Technical analysis and today I would try to explain them in very newbie’s terminology for every one to refer to.
  • Understanding Fundamental Analysis – What we all know is completely wrong – What we all know about fundamental analysis from watching news channels is completely wrong. Understand the fundamentals of fundamental analysis.

Technical Analysis

  • How I Use Technical Analysis of Nifty for Longer Term Investing – For longer-term investment fundamental analysis is preferred over technical analysis but see how I use technical analysis for longer-term investments to find the right time to invest in the right stock and at the right price.
  • How to Trade Against the Market Trend – I don’t recommend trading against the trend but if you know what you are doing you can deal with it in a better way.
  • How Chart Pattern Repeats by Itself – The basic principle of technical analysis is History and pattern repeat by itself and see how Hindalco follows the same Chart pattern of better than expected result.
  • Learn From My Trading Mistake – No one can predict the market each time; every time and you tend to make mistakes all the time. An Important thing is you learn from those mistakes and move forward. I did a horrible trading mistake. The mistake reminded me few of my trading lessons. Learn from my mistake.

Investment Analysis

  • Being Debt Free: The 5 Point Strategy For Every Indian To Getting Out of Debt – Are you concerned about your Debt? If you are, that’s the right thing to be doing but now let me tell you how you can strategically come out of it.
  • Is Insurance an Investment Option? – The Question comes to me many a times and I always suggest them few of my articles where I have shared the answer in bits and pieces but today I will answer this question with all the possible options and outcomes.

Personal Finance

  • How to Manage Credit Cards Efficiently? – The process that I follow to Manage my Credit Cards and make thousands of Rupees out of it each year.
  • Home Loan Or House Rent – How to Make The Right Choice – Should opt for home loan or go for a rented house? Let me share what analysis should be used to make the right choice for yourself – Home Loan or House Rent.

Investment Psychology

  • Understanding Investment Psychology When Investing in Market – What if a stock you invested into is a wrong investment and you know for sure it is a mistake but are not comfortable booking a loss? Answer lies in understanding the investment psychology.
  • How to Book Market Losses Without Having Sleepless Nights – Booking a loss is so difficult that at times it is easy to quit the market keeping the loss making stocks in the portfolio than to book losses. The process I follow makes booking a losses lot easier than it seems without averaging down the stock.
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