General Questions

What does Vivekam do?

We help individuals plan their financial needs. We also explain various avenues in which individuals based on their risk appetite can invest. Further, we have after enormous research and experience designed automated investment mechanisms that could cater to various individual needs.

Is ViVeKam a broking house?

ViVeKam is not a broking house. We provide services such as classes, seminars and web-enabled tools that will help you become financially literate. We also enable you reach your financial goals through corpus building by using ViVeKam Products.

How do I open an account with you?

To open an account with us, Start Now.

Can I open a trading account with any broker of my choice?

No. For convenience and accountability we require you to open a trading account with any one of the brokers that are registered with us.

Have the products that you offer been running since the past 10 years. How did you compute the average returns?

Our team that consists of experienced chartered accountants, marketing and IT professionals worked for more than 3 years to build algorithms, statistically supported processes and created these products. Then, we back-tested such products on 10-year data about 40 financial quarters. The average returns that you see are returns (earned by our processes in back testing cases) you could have got if we used our products during the past 10 years. If you want to use our systems to back-test your portfolio or test our process, you can do it easily by visiting our office.

But, you worked on past year data. How can you be sure that future will also return such returns?

First we’d like to ask, why not? However, we understand your concern. You are right about historic data being used if only prices are used to build algorithms. Please note that we not only look at stock prices, but we look at fundamental growth of the company and review position at the end of each quarter as soon as the results are announced by company. Further, if you subscribe to the theory that share prices of companies reporting better profits will eventually reach higher levels, you will have no reason to disagree with our processes. For detailed explanation, please leave your name, phone number and email address. Our team members will get back to you soon.

Will you tell about which stock to buy and sell?

No, we refuse to research on individual stocks and tell you buy and sell signals. We do not suggest anything about speculation or intra-day trading. Our research is limited to stocks identified by our process after they pass some milestones. All our products are about long term investing and we suggest how you can do it best.

Do you conduct classes for investors with non finance background?

Yes. We conduct classes for all age groups, Educational backgrounds, financial backgrounds etc. We will be more than happy to conduct need based classes too if you have a group of attendees.

What products are suitable for me?

Products are designed to suit investors with varying financial needs. Depending on requirement of corpus, ability to save, risk appetite and other factors different products are suggested. Product finder will help you objectively. For specific details, please Contact Us.

Can I back-test the published results of each product?

Yes. You can back-test the published results of any product over any time frame any number of times. For numerous back-testing exercises, please Visit Us.

If I want to invest in your products, how should I do it?

You could visit our office for clear understanding. Else, in short, you have to open a client account with us. Further, you have to open a trading account with brokers that meet our criteria. You can e-mail us at info@vivekam.co.in for a quick response.

I have some amount to invest. What do you suggest I do?

Such suggestions cannot be made over phone with such little information. Please understand that each of our products is automated and can be completely personalized to your personal financial needs and goals unlike any other investing modes such as Mutual Funds etc. You can e-mail us at info@vivekam.co.in and we will be glad to help you understand our products in detail.

Will you teach how to earn?

Yes, financial education is definitely part of our plan and we should soon be progressing to a situation where we can conduct classes for different individuals. However, currently we don’t provide such classes. But if you want us to conduct classes to a large audience about any particular financial concepts of your choice or our choice, we are ready to conduct such seminars. Please visit our office or leave your name, phone number and email address and the concerned person will get back to you.

Do we have to open a trading account or can we use ours?

To invest in our products you have to open a trading account with our partners (Tradewell securities or others). If you only want to avail our advisory services you can continue using your existing trading account.

Do we have say in choosing the stocks that you invest in?

If you intend to take our advisory services only, you can determine whatever stocks you wish to buy. We merely provide the stocks found to be worth investing on the given day. In the case of our products, stocks are chosen based on criteria set by our team. Since utmost care is taken in selection of ideal investment choices, we advise clients on these choices for best possible returns.

How to report the earnings in my Tax statement?

We provide you a comprehensive statement with all the short and long term capital gains for all our products.

I want to invest on my wife’s/husband’s name; do I still have the control to see the details?

Yes, you can still see all the transactions but the trading account and investments will be in their name, the tax statement will also be generated in their name.

I stay at xxx place outside Hyderabad; Do I have to come all the way?

You can invest from anywhere in India or abroad since Indian stock markets offer online services. To deal with us or to get advice from us, you may not be required to visit us. However we might require a few documents for verifying your details, these can be sent to our office via courier or post.

Will I be updated about the performance of the product/ what is the guarantee that my money is invested properly?

You will be periodically updated about the performances of our products via newsletters and emails. You can discontinue with any product anytime of your choice. However, for best returns, we suggest to stick to the minimum time frame stated in the product literature.

What are your costs if I invest in your products, Is this included in membership fees or some extra cost is incurred?

We have various membership options as listed on our website. The cost of our services is included in the membership fees as given in website. The cost of investing in our products follows a different structure, please leave your details and a member of our team will reach out to you with the details.

On signing up with you, would you handle my money?

No. We will only give you suggestions of signals that are generated from our algorithmic logic. You have to invest your money directly with the broking house in your trading account.

How is each product designed?

Each product is conceptualized to address different financial needs of various individuals. Based on research on more than 10 year data, the products have been tested over millions of iterations. ViVeKam also encourages its clients for back-testing of any product.

Will you guarantee returns for each product?

All the products have been tested over various periods of times. And every product has always performed better than the market. We do guarantee performance of each product. However, the guarantee is subject to a variety of choices you make, products you choose, agreement you enter etc. For specific details, please Visit Us.

I’m unable to access my client account?

If you forgot your password, kindly click on “Forgot Password” in the login box. In any other case, please Contact Us on 040-23549941/42/43.

Can I take suggestions for each product and handle my investment on my own?

No. We do not give any suggestions or tips for buying or selling of stocks. All our programs are run on algorithmic logic. Thus, is imperative that you sign up with ViVeKam to take advantage of its logic.

Can I access tools such as Portfolio Scanner any number of times?

Yes. To access all tools any number of times, you would have to become a client. To become a client, please Visit Us. But if you sign up as a member, you can use the tools for a limited number of times.

Products

What is BIO Secure?

BIO Secure: It is suitable for investors with low risk appetite and need a reasonable return. Though this product caters to any investor with a low risk appetite, it is ideal for retired investors or an earning class with smaller corpus. To understand how this product works and the kind of reports that you would get if you signed up for the product, please visit us or leave your name, phone number and email address for the concerned person from our team to get in touch with you.

What is BIO Growth?

BIO GROWTH: It is suitable for investors who have moderate to high risk appetite, want to run for profit and have surplus funds. It is highly recommended for investors with high net worth and can wait for their investments to yield desired returns or to those who intend to build need based corpus. To understand how this product works and the kind of reports that you would get if you signed up for the product, please visit us or leave your name, phone number and email address for the concerned person from our team to get in touch with you.

What is SMILES Secure?

SMILES Secure: It is suitable for investors with regular sources of savings arising out of income such as salary, rental income, pension, agricultural income etc. and with an intention to save regularly in instruments that have a high potential for growth over time. This product caters to any investor with a low risk appetite irrespective of his age.

What is SMILES Growth?

SMILES Growth: It can be used by investors with regular sources of savings arising out of income such as salary, rental income, pension, agricultural income etc. and with an intention to invest regularly in instruments that have a high potential for growth. Highly advisable for investors who have moderate to high risk appetite and can wait till price discovery process is completed to ensure maximum profit is derived.

What is the minimum amount that can be invested in any product?

For Bio-Secure and Bio-Growth – 50000

For Smiles secure and Growth – 5000 per month

Services

What kind of services do you offer?

Vivekam provides all its extensive research analysis to investors just by registering with Vivekam. These services help you to know when to enter or exit the market, what and when to invest in, what you own and their current performance with respect to the markets, weak areas that are hurting your portfolio, top stocks at any given time, how to restructure and optimize your portfolio with winners.

How are the services different from the products?

Services are for investors who already have a portfolio or investors who would like to use our research information and invest on their own. Investors can use the services to improve the performance of their existing portfolio by analyzing the weak stocks and restructuring them with the best recommended where as products are for first time investors who would like to deploy fresh capital into the system.

What are the charges for your services?

For our basic services Investors can pay the membership fee and use our services. Fees for alert/alert & assistance services will be decided on case by case basis. Our general charges have been listed under our membership page. To know more about the fee structure please click here

Do you get alerts for services as well?

Yes, Vivekam does provide alert services. We provide only National SMS services as well as sending e-mail alerts to all clients (including NRI’s) on their registered e-mail id.

If I enroll for services can I invest into products as well?

Yes, once the client registers themselves as a premium member, a Demat & Trading account will be opened with one of the brokers who are registered with us to enable the investors to invest into ViVeKam’s products.

Should I follow exactly what is been recommended?

No, it is up to the investor to decide whether to follow the alerts or not. But Vivekam recommends executing all the alerts on time to gain the maximum advantage and obtain the desired results.

Tools

Tools for Investments

This tool will help you in calculating the value of any bond that you are holding .Please give the Par value , ROI, maturity and coupon rate of the bond to know the value of the bond. Book Value per share is the amount of money that a share holder will get if the company were to liquidate. Calculate the Book value per share of the share you are holding by giving Total Assets, Total Liabilities and No of common shares outstanding. This calculator gives the Value per share of the stock assuming that the dividends will grow at a constant annual rate The rate of return anticipated on a bond if it is held until the maturity date. YTM is considered a long-term bond yield expressed as an annual rate. The calculation of YTM takes into account the current market price, par value, coupon interest rate and time to maturity. Net Present Value compares the value of a dollar today to the value of that same dollar in the future, taking inflation and returns into account. If the NPV of a prospective project is positive, it should be accepted. However, if NPV is negative, the project should probably be rejected because cash flows will also be negative. The ANPV makes it possible to compare projects with different life spans by converting the Net Present Value into an amount per year. IRR can be used to rank several prospective projects a firm is considering. Assuming all other factors are equal among the various projects, the project with the highest IRR would probably be considered the best and undertaken first.

Tools to know the value of money

Future Value is the value of an asset or cash at a specified date in the future that is equivalent in value to a specified sum today. Future Value of an annuity requires you to specify the type of Annuity, Payment per period, Number of periods and Interest rate per period. The current worth of a future sum of money or stream of cash flows given a specified rate of return. Present Value of an annuity requires you to specify the type of Annuity, Payment per period, Number of periods and Interest rate per period. The current worth of a future sum of money or stream of cash flows given a specified rate of return. The Present Value calculation requires Future Amount, Number of Periods and Interest rate per period. The current worth of a future sum of money or stream of cash flows given a specified rate of return. This calculator requires periodic discount rate and stream of individual cash flows.

Tools for Calculating Interest rates

This calculator can be used to compare taxable investment with tax free investment. The real rates of return takes into account both inflation and taxes. It's the rate of return after subtracting the taxes owed on the return and the loss in purchasing power as a result of an increase in the Consumer Price Index (CPI). The number of compounding periods per year will affect the total interest earned on an investment. For example, if an investment compounds daily it will earn more than the same investment with the same stated/nominal rate compounding monthly. Use this calculator to determine the effective annual yield on an investment. The return earned from the act of holding an asset over a given period. The return is equal to the income and other gains (such as appreciation) earned from the asset, divided by the original cost of the asset. The holding period return can be calculated for any asset, including a bond, an individual stock, or a complete portfolio. Use this calculator to estimate the expected rate of return on a particular stock (equity) investment as per the Capital Asset Pricing Model. Use this Calculator to determine the after tax return on your investment by giving Taxable return and marginal Tax rate. The real rates of return takes into account both inflation and taxes. It's the rate of return after subtracting the taxes owed on the return and the loss in purchasing power as a result of an increase in the Consumer Price Index (CPI).

Tools for Savings and Planning for an Occasion

Use this calculator to find out the annual rate of return to meet a Financial Goal at some time in future. Use this calculator to determine the periodic deposit amount in an annuity to obtain a fixed sum in future. The real rates of return takes into account both inflation and taxes. It's the rate of return after subtracting the taxes owed on the return and the loss in purchasing power as a result of an increase in the Consumer Price Index (CPI). Use this calculator to determine the amount required to start a new business or project after considering all the revenue and costs. Use this calculator to determine the no of years to get back your initial investment done on a business or a project.

Tools for Loans

This Calculator will help you in finding out the amount that you can afford to spend on your dream house. It gives you the affordable monthly payments and also the credit line for which you qualify depending on your income. You have taken a loan and have been paying the installments for some time now. The loan seems never ending; you want to figure out how much more is the payoff amount. This calculator helps you determine the amount of principal that remains on a loan so that you can pay off or refinance the loan balance. This tool will help you in calculating which car or vehicle you can afford. Before making any huge investment on car or any other automobile you have to ascertain that the monthly payment is not a burden on your pocket and does not interfere with your monthly budget. This tool will help you in doing that by giving the exact amount that you can spend on a car depending on your monthly installment, Loan term and rate of interest. This calculator determines the affordable mortgage and home cost under two rules of thumb: 35% rule and 2 1/2 times gross income rule. Enter your Income details and rate of Interest to determine the exact mortgage amount. Use this calculator to determine the percentage of your income that goes to pay monthly installments for various loans and credit cards. Use this Calculator to determine the Total interest that you have a paid on a loan. Use this calculator to determine a consolidated loan amount of all the loans that you have taken, you will also get the single monthly installment that you need to pay. Use this calculator to determine if a refinancing of a mortgage makes sense. The number of months to break-even should be compared to your estimate as to how long you will stay in the house.

Tools for evaluating a firm

Liquidity refers to the ease with which a firm can pay its bills. The three basic measures of liquidity are net working capital, the current ratio, and the quick (acid-test) ratio. Use this calculator to determine the Liquidity ratios for a firm. Activity ratios are used to measure the speed at which various accounts are converted into sales or cash. Use this calculator to determine the Activity ratios for a firm. The debt ratios measure the degree of indebtedness and the company's ability to pay debts. Use this calculator to determine the debt ratios of this company. Profitability ratios allow you to evaluate the firm's earnings with respect to a given level of sales, a certain level of assets, the owners' investment, or share value. Use this Calculator to determine the Profitability ratios of this company.