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From Rs 500 to a billionaire
The Dhammika Perera story
Businessman Kulappuarachige Don Dhammika Perera’s story is somewhat similiar to the success stories of entrepreneurs of the calibre of Maliban Mudalali.
Venturing out into business at the tender age of 19 with no entrepreneurial background and not having the right connections nor the right social background as it were, and starting-out with only Rs 500 in his pocket, now, 15 years later, and in his prime of life at 34, his investments include banks, power projects, casinos, hotels and ships, worth several hundred millions, if not billions of rupees.
Perera’s achievements are many. He operates three successful casinos in the heart of Colombo, owns two cargo ships, is the single biggest shareholder of NDB with a 9% stake, has a 10% stake in PAB Bank (formerly Pan Asia Bank), a 29% stake in Royal Ceramics, a 20% stake in LB Finance, a 51% stake in Connaissance- in addition to serving in the main boards of those companies, owns two power projects, and the list goes on.
‘My investments in the stockmarket (his investments in NDB, Royal Ceramics, LB Finance and Connaissance were all made last year and this year) were possible in part, if not wholly, due to the support I received from Seylan Bank and Ceylinco consolidated chairman Lalith Kotelawala and Sampath Bank chairman Edgar Gunatunga and its managing director Anil Amarasuriya,’ says Perera.
‘When I wanted Rs 60 million from Seylan Bank to invest in NDB and Royal Ceramic shares last year, Kotelawala offered me Rs 240 million-a four fold increase,’ he said. And this year, when I wanted Rs 50 million from Sampath Bank, they offered me Rs 150 million instead, added Perera.
He invested in NDB by buying those shares at prices ranging from between Rs 20-60 a share. At present those shares command a price of Rs 90 a share. He further said that virtually all of his investments were providing him with a return higher than the interest charged by the banks on his loans. ‘I have no foreign partners. All of these monies required for my investments have been generated locally,’ he says. Perera attributes his success to hard work.
His life story is something like reading a story from one of those fairy tale books. ‘When I was 19, this was in 1987, my mother gave me Rs 500 to buy me a pair of shoes. At that time I had qualified to follow an NDT course on electrical and electronics at Moratuwa University.
But by then the JVP troubles had broken out and Campus was more closed than open. I’m from Paiyagala, Kalutara, having had my education at Taxila Vidyalaya, Horana. At that time I was living with my uncle who was running a cafe at Pettah.
There was a pavement hawker operating in front of my uncle’s restaurant. Instead of buying a pair of shoes, I lent him that Rs 500 on the understanding that he conducts his business on a profit sharing basis with me.
The life of a pavement hawker is a hard one. He starts his work early in the morning and continues till evening. He does not have time to relieve hinself nor does he have time to have his meals while hawking his goods. The only time he is free is when dusk sets in. Then he winds up his business for the day, said Perera.
So, this tie-up with this hawker brought me a return of Rs 200 on a daily basis, while my capital inveetment of Rs 500 remained in tact. This operation went on for three months, during which period I made a clear profit of Rs 74,000.
Then, I turned my hand to slot machines or jackpot machines as they are commonly known. I borrowed five such machines from Lal Wijeratne of Grayline Group.I had them installed at my uncle’s cafe in the Pettah-it was called Isurugiri Hotel.
My arrangement with Wijeratne was that I would keep 30% of the takings, while the balance 70% was for him. This was a successful business partnership. ‘But I was restless.’ I wanted to learn the technology of these slot machines.
Therefore I took wing to Taiwan to follow a six month technical course. This was in 1988 and I was 20 yearl at that time. By then I had dropped out from Moratuwa University.
But I returned from Taiwan in three months.Because it took me only that much of time to assmilate that technology. Then I started making my own slot machines and had them operable in his uncle’s cafe. As a result, all of the takings made from these machines were for me. There was no question of giving 70% of the share to the landlord, because I was now the landlord.
By then I had made enough money, enough to buy over my uncle’s cafe. And at 23, that was in 1991, I had millions and millions in my kitty, with 285 machines in operation.
But disaster struck in 1991. Ranasinghe Premadasa who was the president at that time imposed a ban on jackpot machines.Then What did you do? ‘I opened a car sales centre at my home in Paiyagala,’ said Perera. I called it Anuradha Traders. Currently we have four showrooms-at Kirullapane, Negombo, Kandy and Peliyagoda. I also ventured out into property development.
In 1993 I started my own casino business at Isurugiri. I called it Capricorn.
You see there are four major games played in a casino. Three of them are card games-Black Jack, Baccarat and Porker, and the other Roullete. Then in 1995 I opened up the MGM casino in Colombo-Iwas 27 at that time and followed it up by opening Ballys in 1996 and Bellagio in 1998.
The reason I have restricted entry into my casinos to only foreigners is because it is messy when the doors are also open to locals. ‘You know that shooting incident at the Carlton in 1998 which resulted in the death of Fijian ruggerite Joel Pera? So I feel that it is better to be safe than sorry. Therefore I have imposed these restrictions.
Most of the foreigners who patronise my casinos are Chinese, either from the mainland or Hong Kong or Singapore, says Perera. Meanwhile, with the government’s plan to create a Casino City at Bentota under the ‘2002 Tourism Masterplan,’ and ‘clear’ Colombo of all Casinos, I asked Perera whether he was ready to meet this change.
‘We are ready for it’? he said. I shall be startng a casino at Bentota. It will be called Ballys. It will be equipped with all the modern technology, he said. Referring to his other business ventures, Perera said that in 1998 he started his shipping business, investing $ 1.8 million in two cargo ships.
‘One does the Colombo-Tuticorin run and the other the Dubai-Indonesian run,’ he said. And the two power project? a 10 mega Watt (mW) hydro electric power project (HEPP) costing Rs 600 million at We Ganga in the Kahawatte Plantations. This project is expected to be commissioned in another 11 months time.
For this purpose, Perera has floated a company called Didu, of which Vallibel Holdings, a company wholly owned by Perera, has a 90% stake.’I got this name Vallibel from a friend in Singapore,’ says Perera.
‘My aim is make Vallibel, a public quoted company,’ he says. And I’m working towards achieving this goal in a couple of years time. The two power companies, Didu and the other Erathana Hydro Power Company will be floated by the end of next year, added Perera.
The Erathana project is located at Erathna Kuru Ganga in the Kuruwita area. Erathna too is a 10 mW HEPP and is 100% owned by Vallibel. It is being funded by a consortium of banks comprising DFCC Bank, Private Sector Infrastructure Development Corporation, Sampath Bank and Commercial Bank.
In addition, Perera also runs a retail clothing store called Beverly Street at Duplication Road, Colombo, which is open 24 hours of the day. With regard to his investment in Connaissance, which owns the La Kandyan and the Culture Club hotels, Perera feels a restructuring is necessary to make them viable concerns.
‘We also have plans to open up hotels down South and at Trincomalee (capitalising on the peace dividend). But our scouting around down South to find a property for our hotel project has so far been disappointing. A main reason for this is the shanties that litter the beach. ‘One cannot expect a tourist to pay $ 100 for a room, if, when, he looks out from his window he sees a row of shanties with people relieving themselves on the beach,’ said Perera.
On his investments in the stock market? I don’t believe in holding onto my investments. if they don’t provide me with an adequate return I shall exit from such investments, he says. ‘Like I said earlier, my investment cost in investing in shares in NDB were in the region of Rs 30-Rs 60 a share. And now those shares command a price of Rs 90. As an example, not that I’m saying that I will do it. But if I do wish to, I can always exit from such a company at a profit if I feel that I’m not getting an adequate return,’ said Perera.
Royal Ceramics? It is a profitable venture, yielding a monthly turnover of Rs 100 million. Failures? Having to close an electronics company in 1995 and the poor performance of another company located at Mutwal which manufactures computer forms.
Regrets? Of not studying enough. Plans? Period of consolidation. On the current economic situation? The government is on track and the economy will kick-off with the peace process seemingly working. Drawbacks? Too many holidays. People don’t work hard.
What is needed is for people to think positively. Government can’t go on giving hand-outs. We have to work. ‘I don’t think most of those employed in the public sector in particular work eight hours a day, he says. And from the government’s side? Greater transparency is required.
http://www.island.lk/2002/12/17/busine01.html
The Dhammika Perera story
Businessman Kulappuarachige Don Dhammika Perera’s story is somewhat similiar to the success stories of entrepreneurs of the calibre of Maliban Mudalali.
Venturing out into business at the tender age of 19 with no entrepreneurial background and not having the right connections nor the right social background as it were, and starting-out with only Rs 500 in his pocket, now, 15 years later, and in his prime of life at 34, his investments include banks, power projects, casinos, hotels and ships, worth several hundred millions, if not billions of rupees.
Perera’s achievements are many. He operates three successful casinos in the heart of Colombo, owns two cargo ships, is the single biggest shareholder of NDB with a 9% stake, has a 10% stake in PAB Bank (formerly Pan Asia Bank), a 29% stake in Royal Ceramics, a 20% stake in LB Finance, a 51% stake in Connaissance- in addition to serving in the main boards of those companies, owns two power projects, and the list goes on.
‘My investments in the stockmarket (his investments in NDB, Royal Ceramics, LB Finance and Connaissance were all made last year and this year) were possible in part, if not wholly, due to the support I received from Seylan Bank and Ceylinco consolidated chairman Lalith Kotelawala and Sampath Bank chairman Edgar Gunatunga and its managing director Anil Amarasuriya,’ says Perera.
‘When I wanted Rs 60 million from Seylan Bank to invest in NDB and Royal Ceramic shares last year, Kotelawala offered me Rs 240 million-a four fold increase,’ he said. And this year, when I wanted Rs 50 million from Sampath Bank, they offered me Rs 150 million instead, added Perera.
He invested in NDB by buying those shares at prices ranging from between Rs 20-60 a share. At present those shares command a price of Rs 90 a share. He further said that virtually all of his investments were providing him with a return higher than the interest charged by the banks on his loans. ‘I have no foreign partners. All of these monies required for my investments have been generated locally,’ he says. Perera attributes his success to hard work.
His life story is something like reading a story from one of those fairy tale books. ‘When I was 19, this was in 1987, my mother gave me Rs 500 to buy me a pair of shoes. At that time I had qualified to follow an NDT course on electrical and electronics at Moratuwa University.
But by then the JVP troubles had broken out and Campus was more closed than open. I’m from Paiyagala, Kalutara, having had my education at Taxila Vidyalaya, Horana. At that time I was living with my uncle who was running a cafe at Pettah.
There was a pavement hawker operating in front of my uncle’s restaurant. Instead of buying a pair of shoes, I lent him that Rs 500 on the understanding that he conducts his business on a profit sharing basis with me.
The life of a pavement hawker is a hard one. He starts his work early in the morning and continues till evening. He does not have time to relieve hinself nor does he have time to have his meals while hawking his goods. The only time he is free is when dusk sets in. Then he winds up his business for the day, said Perera.
So, this tie-up with this hawker brought me a return of Rs 200 on a daily basis, while my capital inveetment of Rs 500 remained in tact. This operation went on for three months, during which period I made a clear profit of Rs 74,000.
Then, I turned my hand to slot machines or jackpot machines as they are commonly known. I borrowed five such machines from Lal Wijeratne of Grayline Group.I had them installed at my uncle’s cafe in the Pettah-it was called Isurugiri Hotel.
My arrangement with Wijeratne was that I would keep 30% of the takings, while the balance 70% was for him. This was a successful business partnership. ‘But I was restless.’ I wanted to learn the technology of these slot machines.
Therefore I took wing to Taiwan to follow a six month technical course. This was in 1988 and I was 20 yearl at that time. By then I had dropped out from Moratuwa University.
But I returned from Taiwan in three months.Because it took me only that much of time to assmilate that technology. Then I started making my own slot machines and had them operable in his uncle’s cafe. As a result, all of the takings made from these machines were for me. There was no question of giving 70% of the share to the landlord, because I was now the landlord.
By then I had made enough money, enough to buy over my uncle’s cafe. And at 23, that was in 1991, I had millions and millions in my kitty, with 285 machines in operation.
But disaster struck in 1991. Ranasinghe Premadasa who was the president at that time imposed a ban on jackpot machines.Then What did you do? ‘I opened a car sales centre at my home in Paiyagala,’ said Perera. I called it Anuradha Traders. Currently we have four showrooms-at Kirullapane, Negombo, Kandy and Peliyagoda. I also ventured out into property development.
In 1993 I started my own casino business at Isurugiri. I called it Capricorn.
You see there are four major games played in a casino. Three of them are card games-Black Jack, Baccarat and Porker, and the other Roullete. Then in 1995 I opened up the MGM casino in Colombo-Iwas 27 at that time and followed it up by opening Ballys in 1996 and Bellagio in 1998.
The reason I have restricted entry into my casinos to only foreigners is because it is messy when the doors are also open to locals. ‘You know that shooting incident at the Carlton in 1998 which resulted in the death of Fijian ruggerite Joel Pera? So I feel that it is better to be safe than sorry. Therefore I have imposed these restrictions.
Most of the foreigners who patronise my casinos are Chinese, either from the mainland or Hong Kong or Singapore, says Perera. Meanwhile, with the government’s plan to create a Casino City at Bentota under the ‘2002 Tourism Masterplan,’ and ‘clear’ Colombo of all Casinos, I asked Perera whether he was ready to meet this change.
‘We are ready for it’? he said. I shall be startng a casino at Bentota. It will be called Ballys. It will be equipped with all the modern technology, he said. Referring to his other business ventures, Perera said that in 1998 he started his shipping business, investing $ 1.8 million in two cargo ships.
‘One does the Colombo-Tuticorin run and the other the Dubai-Indonesian run,’ he said. And the two power project? a 10 mega Watt (mW) hydro electric power project (HEPP) costing Rs 600 million at We Ganga in the Kahawatte Plantations. This project is expected to be commissioned in another 11 months time.
For this purpose, Perera has floated a company called Didu, of which Vallibel Holdings, a company wholly owned by Perera, has a 90% stake.’I got this name Vallibel from a friend in Singapore,’ says Perera.
‘My aim is make Vallibel, a public quoted company,’ he says. And I’m working towards achieving this goal in a couple of years time. The two power companies, Didu and the other Erathana Hydro Power Company will be floated by the end of next year, added Perera.
The Erathana project is located at Erathna Kuru Ganga in the Kuruwita area. Erathna too is a 10 mW HEPP and is 100% owned by Vallibel. It is being funded by a consortium of banks comprising DFCC Bank, Private Sector Infrastructure Development Corporation, Sampath Bank and Commercial Bank.
In addition, Perera also runs a retail clothing store called Beverly Street at Duplication Road, Colombo, which is open 24 hours of the day. With regard to his investment in Connaissance, which owns the La Kandyan and the Culture Club hotels, Perera feels a restructuring is necessary to make them viable concerns.
‘We also have plans to open up hotels down South and at Trincomalee (capitalising on the peace dividend). But our scouting around down South to find a property for our hotel project has so far been disappointing. A main reason for this is the shanties that litter the beach. ‘One cannot expect a tourist to pay $ 100 for a room, if, when, he looks out from his window he sees a row of shanties with people relieving themselves on the beach,’ said Perera.
On his investments in the stock market? I don’t believe in holding onto my investments. if they don’t provide me with an adequate return I shall exit from such investments, he says. ‘Like I said earlier, my investment cost in investing in shares in NDB were in the region of Rs 30-Rs 60 a share. And now those shares command a price of Rs 90. As an example, not that I’m saying that I will do it. But if I do wish to, I can always exit from such a company at a profit if I feel that I’m not getting an adequate return,’ said Perera.
Royal Ceramics? It is a profitable venture, yielding a monthly turnover of Rs 100 million. Failures? Having to close an electronics company in 1995 and the poor performance of another company located at Mutwal which manufactures computer forms.
Regrets? Of not studying enough. Plans? Period of consolidation. On the current economic situation? The government is on track and the economy will kick-off with the peace process seemingly working. Drawbacks? Too many holidays. People don’t work hard.
What is needed is for people to think positively. Government can’t go on giving hand-outs. We have to work. ‘I don’t think most of those employed in the public sector in particular work eight hours a day, he says. And from the government’s side? Greater transparency is required.
http://www.island.lk/2002/12/17/busine01.html
Introduction -Nanda Investments and Finance Limited
http://www.cse.lk/cmt/upload_cse_announcements/2271310725269_.pdf
http://www.cse.lk/cmt/upload_cse_announcements/2271310725269_.pdf
Stock market Golden rules
1. Never, under any circumstance add to a losing position…. ever! Nothing more need be said; to do otherwise will eventually and absolutely lead to ruin!
2. Trade like a mercenary guerrilla. We must fight on the winning side and be willing to change sides readily when one side has gained the upper hand.
3. Capital comes in two varieties: Mental and that which is in your pocket or account. Of the two types of capital, the mental is the more important and expensive of the two. Holding to losing positions costs measurable sums of actual capital, but it costs immeasurable sums of mental capital.
4. The objective is not to buy low and sell high, but to buy high and to sell higher. We can never know what price is “low.” Nor can we know what price is “high.” Always remember that sugar once fell from $1.25/lb to 2 cent/lb and seemed “cheap” many times along the way.
5. In bull markets we can only be long or neutral, and in bear markets we can only be short or neutral. That may seem self-evident; it is not, and it is a lesson learned too late by far too many.
6. “Markets can remain illogical longer than you or I can remain solvent,” according to our good friend, Dr. A. Gary Shilling. Illogic often reigns and markets are enormously inefficient despite what the academics believe.
7. Sell markets that show the greatest weakness, and buy those that show the greatest strength. Metaphorically, when bearish, throw your rocks into the wettest paper sack, for they break most readily. In bull markets, we need to ride upon the strongest winds… they shall carry us higher than shall lesser ones.
8. Try to trade the first day of a gap, for gaps usually indicate violent new action. We have come to respect “gaps” in our nearly thirty years of watching markets; when they happen (especially in stocks) they are usually very important.
9. Trading runs in cycles: some good; most bad. Trade large and aggressively when trading well; trade small and modestly when trading poorly. In “good times,” even errors are profitable; in “bad times” even the most well researched trades go awry. This is the nature of trading; accept it.
10. To trade successfully, think like a fundamentalist; trade like a technician. It is imperative that we understand the fundamentals driving a trade, but also that we understand the market’s technicals. When we do, then, and only then, can we or should we, trade.
11. Respect “outside reversals” after extended bull or bear runs. Reversal days on the charts signal the final exhaustion of the bullish or bearish forces that drove the market previously. Respect them, and respect even more “weekly” and “monthly,” reversals.
12. Keep your technical systems simple. Complicated systems breed confusion; simplicity breeds elegance.
13. Respect and embrace the very normal 50-62% retracements that take prices back to major trends. If a trade is missed, wait patiently for the market to retrace. Far more often than not, retracements happen… just as we are about to give up hope that they shall not.
14. An understanding of mass psychology is often more important than an understanding of economics. Markets are driven by human beings making human errors and also making super-human insights.
15. Establish initial positions on strength in bull markets and on weakness in bear markets. The first “addition” should also be added on strength as the market shows the trend to be working. Henceforth, subsequent additions are to be added on retracements.
16. Bear markets are more violent than are bull markets and so also are their retracements.
17. Be patient with winning trades; be enormously impatient with losing trades. Remember it is quite possible to make large sums trading/investing if we are “right” only 30% of the time, as long as our losses are small and our profits are large.
18. The market is the sum total of the wisdom … and the ignorance…of all of those who deal in it; and we dare not argue with the market’s wisdom. If we learn nothing more than this we’ve learned much indeed.
19. Do more of that which is working and less of that which is not: If a market is strong, buy more; if a market is weak, sell more. New highs are to be bought; new lows sold.
20. The hard trade is the right trade: If it is easy to sell, don’t; and if it is easy to buy, don’t. Do the trade that is hard to do and that which the crowd finds objectionable.
21. There is never one cockroach! This is the “winning” new rule submitted by our friend, Tom Powell.
22. All rules are meant to be broken: The trick is knowing when… and how infrequently this rule may be invoked!
1. Never, under any circumstance add to a losing position…. ever! Nothing more need be said; to do otherwise will eventually and absolutely lead to ruin!
2. Trade like a mercenary guerrilla. We must fight on the winning side and be willing to change sides readily when one side has gained the upper hand.
3. Capital comes in two varieties: Mental and that which is in your pocket or account. Of the two types of capital, the mental is the more important and expensive of the two. Holding to losing positions costs measurable sums of actual capital, but it costs immeasurable sums of mental capital.
4. The objective is not to buy low and sell high, but to buy high and to sell higher. We can never know what price is “low.” Nor can we know what price is “high.” Always remember that sugar once fell from $1.25/lb to 2 cent/lb and seemed “cheap” many times along the way.
5. In bull markets we can only be long or neutral, and in bear markets we can only be short or neutral. That may seem self-evident; it is not, and it is a lesson learned too late by far too many.
6. “Markets can remain illogical longer than you or I can remain solvent,” according to our good friend, Dr. A. Gary Shilling. Illogic often reigns and markets are enormously inefficient despite what the academics believe.
7. Sell markets that show the greatest weakness, and buy those that show the greatest strength. Metaphorically, when bearish, throw your rocks into the wettest paper sack, for they break most readily. In bull markets, we need to ride upon the strongest winds… they shall carry us higher than shall lesser ones.
8. Try to trade the first day of a gap, for gaps usually indicate violent new action. We have come to respect “gaps” in our nearly thirty years of watching markets; when they happen (especially in stocks) they are usually very important.
9. Trading runs in cycles: some good; most bad. Trade large and aggressively when trading well; trade small and modestly when trading poorly. In “good times,” even errors are profitable; in “bad times” even the most well researched trades go awry. This is the nature of trading; accept it.
10. To trade successfully, think like a fundamentalist; trade like a technician. It is imperative that we understand the fundamentals driving a trade, but also that we understand the market’s technicals. When we do, then, and only then, can we or should we, trade.
11. Respect “outside reversals” after extended bull or bear runs. Reversal days on the charts signal the final exhaustion of the bullish or bearish forces that drove the market previously. Respect them, and respect even more “weekly” and “monthly,” reversals.
12. Keep your technical systems simple. Complicated systems breed confusion; simplicity breeds elegance.
13. Respect and embrace the very normal 50-62% retracements that take prices back to major trends. If a trade is missed, wait patiently for the market to retrace. Far more often than not, retracements happen… just as we are about to give up hope that they shall not.
14. An understanding of mass psychology is often more important than an understanding of economics. Markets are driven by human beings making human errors and also making super-human insights.
15. Establish initial positions on strength in bull markets and on weakness in bear markets. The first “addition” should also be added on strength as the market shows the trend to be working. Henceforth, subsequent additions are to be added on retracements.
16. Bear markets are more violent than are bull markets and so also are their retracements.
17. Be patient with winning trades; be enormously impatient with losing trades. Remember it is quite possible to make large sums trading/investing if we are “right” only 30% of the time, as long as our losses are small and our profits are large.
18. The market is the sum total of the wisdom … and the ignorance…of all of those who deal in it; and we dare not argue with the market’s wisdom. If we learn nothing more than this we’ve learned much indeed.
19. Do more of that which is working and less of that which is not: If a market is strong, buy more; if a market is weak, sell more. New highs are to be bought; new lows sold.
20. The hard trade is the right trade: If it is easy to sell, don’t; and if it is easy to buy, don’t. Do the trade that is hard to do and that which the crowd finds objectionable.
21. There is never one cockroach! This is the “winning” new rule submitted by our friend, Tom Powell.
22. All rules are meant to be broken: The trick is knowing when… and how infrequently this rule may be invoked!
Friday 15/07/2011 Top Ten Gainers
ABANS FINANCIAL SERVICES LIMITED AFSL.N0000
SWARNAMAHAL FINANCIAL SERVICES LIMITED SFS.N0000
BIMPUTH LANKA INVESTMENTS LIMITED BLI.N0000
SMB LEASING PLC SEMB.X0000
CONFIFI HOTEL HOLDINGS PLC PALM.N0000
MULLER AND PHIPPS (CEYLON) PLC MULL.N0000
EXPOLANKA HOLDINGS PLC EXPO.N0000
SOFTLOGIC HOLDINGS LIMITED SHL.N0000
SMB LEASING PLC SEMB.W0015
YORK ARCADE HOLDINGS PLC YORK.N0000
ABANS FINANCIAL SERVICES LIMITED AFSL.N0000
SWARNAMAHAL FINANCIAL SERVICES LIMITED SFS.N0000
BIMPUTH LANKA INVESTMENTS LIMITED BLI.N0000
SMB LEASING PLC SEMB.X0000
CONFIFI HOTEL HOLDINGS PLC PALM.N0000
MULLER AND PHIPPS (CEYLON) PLC MULL.N0000
EXPOLANKA HOLDINGS PLC EXPO.N0000
SOFTLOGIC HOLDINGS LIMITED SHL.N0000
SMB LEASING PLC SEMB.W0015
YORK ARCADE HOLDINGS PLC YORK.N0000
Friday (15/07/2011)Top 10 Lossers
COMMERCIAL DEVELOPMENT COMPANY PLC COMD.N0000
INDUSTRIAL ASPHALTS (CEYLON) PLC ASPH.N0000
ELPITIYA PLANTATIONS PLC ELPL.N0000
UNION ASSURANCE PLC UAL.N0000
CAPITAL DEVELOPMENT AND INVESTMENT COMPANY PLC CDIC.N0000
CEYLON LEATHER PRODUCTS PLC CLPL.W0012
TANGERINE BEACH HOTELS PLC TANG.N0000
CEYLON LEATHER PRODUCTS PLC CLPL.W0014
CEYLON LEATHER PRODUCTS PLC CLPL.W0013
TRANS ASIA HOTELS PLC TRAN.N0000
COMMERCIAL DEVELOPMENT COMPANY PLC COMD.N0000
INDUSTRIAL ASPHALTS (CEYLON) PLC ASPH.N0000
ELPITIYA PLANTATIONS PLC ELPL.N0000
UNION ASSURANCE PLC UAL.N0000
CAPITAL DEVELOPMENT AND INVESTMENT COMPANY PLC CDIC.N0000
CEYLON LEATHER PRODUCTS PLC CLPL.W0012
TANGERINE BEACH HOTELS PLC TANG.N0000
CEYLON LEATHER PRODUCTS PLC CLPL.W0014
CEYLON LEATHER PRODUCTS PLC CLPL.W0013
TRANS ASIA HOTELS PLC TRAN.N0000
ආයෝජනයක් ඇරඹීමට කොපමණ මුදලක් අවශ්යද???
බොහෝ දෙනෙක් නගන ප්රශ්නයක්. "මේක පටන් ගන්න කීයක් මම මුලින්ම දාන්න ඕනෙද?"
උත්තරය සරළයි. "ඕනෙම ගාණකින් පටන් ගන්න පුළුවන්"
ක්රියාකාරී ආයෝජනයක් සාමාන්ය ආයෝජනයකට වඩා වෙනස්. ක්රියාකාරී ආයෝජකයෙක් වෙනකොට විවිධ දේවල් ගැනත් හිතන්න ඕනෙ. නැත්තම් ඔයා ලාභ ගන්න ඉස්සෙල්ල දාපු සල්ලි ටික ඉවර වෙලා තියේවි.
ඒ කොයික වෙතත් පොඩ්ඩක් මේ දේවල් ගැනත් හිතල බලන්න.
තැරැව්කාර සමාගමට ගෙවිය යුතු ගාස්තු (Broker Charges)
මේක තමයි ඕනෑම ලොකු පොඩි ආයෝජකයෙකුට තිබෙන ලොකුම වියදම. දුරකථන ඇමතුම්, ඉන්ටනෙට්, මෘදුකාංග වගේ දේවලටත් ඔයාලට වියදම් යනව, නමුත් මේක තමයි ලොකුම එක. මිලදී ගැනීමක් හෝ විකිණිමකදි යන අවස්ථා දෙකෙහිදිම ආයෝජකයාට සිද්ධ වෙනවා තැරැව්කාර සමාගමට ගෙවීමක් කරන්න. වරදවා හිතන්නෙපා ඒ ඔක්කොම සල්ලි යන්නෙ එයාලට කියල, ඒක ඇතුළෙ කිහිප දෙනෙක් ඉන්නව. ඔබත් ඉන්නව කියන්නත් පුළුවන්. (ඉන් කොටසක් විනිමය කොමිෂන් සභාවටත් යනව, එයාල ඉන්නෙ ඔයාලගෙ ආරක්ෂාවට)
ඒ නිසා ඒ ගැනත් ටිකක් හිතන්න ඕනෙ. කරන ගනු දෙනු ප්රමාණය වැඩි වෙන්න වැඩි වෙන්න මේ කියන අමතර වියදමත් වැඩි වෙනවා. (මේ කියන ගාස්තුව තමයි අර ඉස්සෙල්ල 1.425% කියල තිබ්බෙ, නමුත් ආයෝජකයින් දිරිමත් කිරීමටත් එක්ක ඒක 1.02% දක්වා අඩු කරල තියෙනව කියල දන්නව ඇතිනෙ?)
තැරැව්කාර සමාගම්, අවම ආයෝජන සීමාවක් පැනවීම
සමහර තැරැව්කාර සමාගම් මේ වැඩේ කරනව. මොකද කියල හිතා ගන්න පුළුවන්නෙ? මොකද කිව්වොත් අපි කරන ගනු දෙනු අනුව තමා එයාලගෙ ආදායම තීරණය වෙන්නෙත්, ඉතින් අපි චුට්ටි චුට්ටි ආයෝජන කරනකොට එයාලට අලාභයි. (අපෙන් අලාභ උනාට අනිත් අයගෙන් ඒක මැකෙනව) උදාහරණයක් විදිහට, අපි මොකක්හරි ආයෝජනයක් කළා කියමුකො රු. 1000ක. ඒකට එයාලට ලැබෙන ගාස්තුව රු.15 කියමුකො. (හරිම ගාණ නෙමෙයි). අපි කරපු ගනුදෙනුවට අදාල රිසිට්පත අපේ ගෙදරට එවන්න එයාලට තව ගාණක් වියදම් වෙනව, අන්තිමට බැලුවම එයාලට අතිනුත් පාඩුයි.
ඉතින් අන්න එහෙම ඒව වළකගන්න හා එයාලගෙ ලාභයන් වැඩි කරගන්නත්, එයාලගෙ පහසුව තකාත්, එයාල අවම සීමාවක් පණවනව. උදාහරණයක් විදිහට සමහර ආයතන රු.100,000ක අවමයක් ඉල්ලනව CDS ගිණුමක් අරඹන්න. ඒත් හැමෝම එහෙම නෙමෙයි. තවත් ආයතන බලන්නෙ දිගුකාලීන ආයෝජකයින් ගැන විතරයි, එතකොටත් එයාල අර වගේ සීමාවක් පණවන්න ඉඩ තියෙනව.
ඉතින් මේව ගැන හිතල තමුන්ගෙ තැරැව්කරුවාව තෝර ගත්තම ලේසියි.
කියන්න තියෙන්නෙ, කොළඹ කොටස් වෙළඳපළ ආයෝජනය ඇරඹීම සඳහා අවම මූල්යමය සීමාවක් නැහැ. ඔබ කුඩා මුදලකින් ආයෝජනයක් පටන් ගන්න හිතනව නම්, අරම අවම සීමාවක් දාල නැති තැරැව්කාර ආයතනයක් තෝරා ගන්න. එතකොට හරි.
බොහෝ දෙනෙක් නගන ප්රශ්නයක්. "මේක පටන් ගන්න කීයක් මම මුලින්ම දාන්න ඕනෙද?"
උත්තරය සරළයි. "ඕනෙම ගාණකින් පටන් ගන්න පුළුවන්"
ක්රියාකාරී ආයෝජනයක් සාමාන්ය ආයෝජනයකට වඩා වෙනස්. ක්රියාකාරී ආයෝජකයෙක් වෙනකොට විවිධ දේවල් ගැනත් හිතන්න ඕනෙ. නැත්තම් ඔයා ලාභ ගන්න ඉස්සෙල්ල දාපු සල්ලි ටික ඉවර වෙලා තියේවි.
ඒ කොයික වෙතත් පොඩ්ඩක් මේ දේවල් ගැනත් හිතල බලන්න.
තැරැව්කාර සමාගමට ගෙවිය යුතු ගාස්තු (Broker Charges)
මේක තමයි ඕනෑම ලොකු පොඩි ආයෝජකයෙකුට තිබෙන ලොකුම වියදම. දුරකථන ඇමතුම්, ඉන්ටනෙට්, මෘදුකාංග වගේ දේවලටත් ඔයාලට වියදම් යනව, නමුත් මේක තමයි ලොකුම එක. මිලදී ගැනීමක් හෝ විකිණිමකදි යන අවස්ථා දෙකෙහිදිම ආයෝජකයාට සිද්ධ වෙනවා තැරැව්කාර සමාගමට ගෙවීමක් කරන්න. වරදවා හිතන්නෙපා ඒ ඔක්කොම සල්ලි යන්නෙ එයාලට කියල, ඒක ඇතුළෙ කිහිප දෙනෙක් ඉන්නව. ඔබත් ඉන්නව කියන්නත් පුළුවන්. (ඉන් කොටසක් විනිමය කොමිෂන් සභාවටත් යනව, එයාල ඉන්නෙ ඔයාලගෙ ආරක්ෂාවට)
ඒ නිසා ඒ ගැනත් ටිකක් හිතන්න ඕනෙ. කරන ගනු දෙනු ප්රමාණය වැඩි වෙන්න වැඩි වෙන්න මේ කියන අමතර වියදමත් වැඩි වෙනවා. (මේ කියන ගාස්තුව තමයි අර ඉස්සෙල්ල 1.425% කියල තිබ්බෙ, නමුත් ආයෝජකයින් දිරිමත් කිරීමටත් එක්ක ඒක 1.02% දක්වා අඩු කරල තියෙනව කියල දන්නව ඇතිනෙ?)
තැරැව්කාර සමාගම්, අවම ආයෝජන සීමාවක් පැනවීම
සමහර තැරැව්කාර සමාගම් මේ වැඩේ කරනව. මොකද කියල හිතා ගන්න පුළුවන්නෙ? මොකද කිව්වොත් අපි කරන ගනු දෙනු අනුව තමා එයාලගෙ ආදායම තීරණය වෙන්නෙත්, ඉතින් අපි චුට්ටි චුට්ටි ආයෝජන කරනකොට එයාලට අලාභයි. (අපෙන් අලාභ උනාට අනිත් අයගෙන් ඒක මැකෙනව) උදාහරණයක් විදිහට, අපි මොකක්හරි ආයෝජනයක් කළා කියමුකො රු. 1000ක. ඒකට එයාලට ලැබෙන ගාස්තුව රු.15 කියමුකො. (හරිම ගාණ නෙමෙයි). අපි කරපු ගනුදෙනුවට අදාල රිසිට්පත අපේ ගෙදරට එවන්න එයාලට තව ගාණක් වියදම් වෙනව, අන්තිමට බැලුවම එයාලට අතිනුත් පාඩුයි.
ඉතින් අන්න එහෙම ඒව වළකගන්න හා එයාලගෙ ලාභයන් වැඩි කරගන්නත්, එයාලගෙ පහසුව තකාත්, එයාල අවම සීමාවක් පණවනව. උදාහරණයක් විදිහට සමහර ආයතන රු.100,000ක අවමයක් ඉල්ලනව CDS ගිණුමක් අරඹන්න. ඒත් හැමෝම එහෙම නෙමෙයි. තවත් ආයතන බලන්නෙ දිගුකාලීන ආයෝජකයින් ගැන විතරයි, එතකොටත් එයාල අර වගේ සීමාවක් පණවන්න ඉඩ තියෙනව.
ඉතින් මේව ගැන හිතල තමුන්ගෙ තැරැව්කරුවාව තෝර ගත්තම ලේසියි.
කියන්න තියෙන්නෙ, කොළඹ කොටස් වෙළඳපළ ආයෝජනය ඇරඹීම සඳහා අවම මූල්යමය සීමාවක් නැහැ. ඔබ කුඩා මුදලකින් ආයෝජනයක් පටන් ගන්න හිතනව නම්, අරම අවම සීමාවක් දාල නැති තැරැව්කාර ආයතනයක් තෝරා ගන්න. එතකොට හරි.
cds software aka dena samagam monawada... software aka ganna aduma mudal kiyak danna onada.. nethnam free denwada.... poddak wistatra karanna puluwannam godak watinawa....
Samahara Brokersla free denawa
EX:TKS
Samahru Free denne ne
in asha phillip, there are no additional charges/ monthly fees. But you should have a minimum Rs. 200k portfolio.
& also Lanka securities 100k around
Softwares Mainly 2 types
1.Direct FN
2.CDAX
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