The newsletter provides an overview of the Indian stock market and economy in May 2021. It notes that most equity indices rallied significantly over the month, with gains of 7-10%. Banking and financial stocks saw major recoveries, while metal stocks had phenomenal rises. The newsletter suggests the market is no longer fearful of rising COVID cases and sees signs of sector rotation. It provides recommendations on positioning equity investments appropriately in the current situation.
The monthly newsletter by seeman fiintouch LLP December 2021Ashis Kumar Dey
The document provides an overview of promising investment themes and market indicators for 2022 based on a newsletter from Seeman Fiintouch LLP.
It identifies digitization as one of the most promising themes, highlighting the strong performance of digital companies that went public in 2021 like Zomato, Paytm, and Nykaa. It also notes technology/digital funds provide exposure to this theme through mutual funds.
Market indicators for December 2021 show the Sensex and Nifty indices were up for the year. The document also profiles a case study of an investor who reached his Rs. 1 crore goal through disciplined SIPs and now aims to double it to Rs. 2 crore. Finally, it outlines resolutions
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
The document discusses the performance of various assets in August 2021. It notes that major Indian stock indices Nifty and Sensex continued their upward momentum from April. Some investors are fearful while others are greedy in the current scenario. It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs 14,500 crore, making it the largest NFO in India so far. This signals growing acceptance of mutual funds among retail investors in India. The editorial discusses maintaining steady growth in investments by selling when the world becomes greedy and buying when fearful, as per Warren Buffett's advice. It asks what the current market situation implies for equity allocation.
"most important thing to understand is that every CRISIS is
temporary and is bound to end – hence there is a saying ‘ Fall is temporary but Growth is permanent’
1.EDITORIAL
2.INSPIRING CASE STORY
3.INVESTING DURING CRISIS
4.MARKET INDICATORS
A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
The monthly newsletter by seeman fiintouch LLP December 2021Ashis Kumar Dey
The document provides an overview of promising investment themes and market indicators for 2022 based on a newsletter from Seeman Fiintouch LLP.
It identifies digitization as one of the most promising themes, highlighting the strong performance of digital companies that went public in 2021 like Zomato, Paytm, and Nykaa. It also notes technology/digital funds provide exposure to this theme through mutual funds.
Market indicators for December 2021 show the Sensex and Nifty indices were up for the year. The document also profiles a case study of an investor who reached his Rs. 1 crore goal through disciplined SIPs and now aims to double it to Rs. 2 crore. Finally, it outlines resolutions
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
The document discusses the performance of various assets in August 2021. It notes that major Indian stock indices Nifty and Sensex continued their upward momentum from April. Some investors are fearful while others are greedy in the current scenario. It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs 14,500 crore, making it the largest NFO in India so far. This signals growing acceptance of mutual funds among retail investors in India. The editorial discusses maintaining steady growth in investments by selling when the world becomes greedy and buying when fearful, as per Warren Buffett's advice. It asks what the current market situation implies for equity allocation.
"most important thing to understand is that every CRISIS is
temporary and is bound to end – hence there is a saying ‘ Fall is temporary but Growth is permanent’
1.EDITORIAL
2.INSPIRING CASE STORY
3.INVESTING DURING CRISIS
4.MARKET INDICATORS
A MONTHLY NEWSLETTER TO MANAGE YOUR PERSONAL FINANCE
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
PM Gati Shakti master plan
Inclusive development
Productivity enhancement
Sunrise opportunities
Energy Transition
Climate Action
Financing of Investments
INFLATION
FISCAL DEFICIT
The document discusses recent market volatility and provides investment advice. It notes that both Indian indices and mutual funds saw declines of around 5% in November due to large sales by foreign institutional investors. It advises playing cautiously due to concerns around the new Omicron variant. However, it recommends remaining invested in equity for long-term growth, given India's economic growth and consumption trends. It also suggests dynamic asset allocation funds for better risk management. The rest of the document discusses various investment categories and funds.
The newsletter provides an overview of the stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While most analysts believe the bull run will continue for the next 4-5 years, returns may not remain as high and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles an inspiring case study of an individual who achieved his financial goal of Rs. 1 crore by consistently investing in SIPs over 10 years. The newsletter emphasizes managing emotions and remaining invested in equities through this market rally
Wallet4wealth newsletter-jan-2022. In this news letter we have highlighted Union Budget 2022, Inspiring case stories, 5 must do SIPs for 2022, Market indicators etc. Finance minister Nirmala Sitharaman presented her Budget which was based on 7 key priorities.
Follow these simple rules and safeguard yourselves from investment blunder. The presentation is extremely simple and easy for anyone to comprehend. It will give you an idea whether you should invest directly or you need to approach a professional. Investment could be at stocks, gold, mutual fund, bonds, real estate, etc.
The document is a newsletter from Wallet Finserve Pvt Ltd providing information on investments and personal finance.
It discusses that 2022 may see a focus on stock picking over broad market rallies. Digitization is highlighted as a top investment theme, with examples of digital companies that had successful IPOs in 2021. The newsletter also provides market indicators for the month and an inspiring case story of an investor who reached his investment goal of 1 crore rupees through disciplined SIP investments over 10 years. It concludes with suggestions for new year investment resolutions, including choosing an investment advisor, diversifying one's portfolio, and regularly rebalancing.
The document discusses the performance of the Indian stock market in November 2021. It notes that foreign institutional investors sold around 39,000 crores worth of stocks, which was partially offset by purchases of around 30,000 crores by domestic institutions. The Nifty and Sensex indexes declined around 5% for the month. It also mentions the new Omicron variant is making the market nervous and volatile in the coming days. Investors are advised to remain invested in equities for long-term growth and consider dynamic asset allocation funds for better risk management.
The monthly newsletter by seeman fiintouch LLP January 2021Ashis Kumar Dey
This document summarizes a monthly newsletter from Seeman Fiintouch LLP. It discusses the Union Budget 2022 and its focus on long-term growth through infrastructure investment. It highlights the PM Gati Shakti master plan and its role in facilitating integrated infrastructure planning. It also notes budget initiatives for sectors like banking, manufacturing and renewable energy. The newsletter then summarizes market indicators like GDP growth, inflation, fiscal deficit. It includes an inspiring case story of an individual who invested in ELSS funds for tax benefits and higher returns than PPF. It recommends top SIP themes for 2022 like infrastructure, banking and ESG sectors that may benefit from government policies.
The document is a newsletter from '7KCR Financial Services' discussing developments in the stock market in September 2021. Some key points:
- The SENSEX index touched 60,000 marks for the first time, reflecting growing investor confidence in Indian businesses.
- It was a relatively flat month for SENSEX overall with high volatility. Foreign institutional investors were net buyers in Indian equities after months of selling.
- High-risk sectors like realty, infrastructure, energy and automobiles performed well, benefiting midcap and smallcap stocks.
- The newsletter provides market indicators for September, featured articles on investment topics, and a case study on the benefits of long-term SIP investments.
- The newsletter discusses equity indices continuing their positive trend despite lockdowns in India amid the COVID crisis. It provides an overview of key issues around portfolio strategies during this time.
- It also covers how gold reacted to news of Russia announcing vaccine testing and how it later stabilized.
- The newsletter is meant to help readers with money management and making better investment decisions during uncertain times.
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to plan, you are planning to fail.”Finance is a very integral part of our lives. We work hard all throughout, fulfilling wishes like buying a house, going on a dream vacation, children’s marriage, child’s education and much more. But all the hard work will not have any significance if one doesn’t make a proper Goal plan for their future. A proper plan of investments Mix that will give good yields at proper time is a must for everyone.
The document summarizes the key points from a newsletter sent by FundsIndia to its investors. It discusses the strong performance of equity markets in January, encouraging investors to remain invested during downturns. It also mentions Fidelity mutual funds considering strategic options like a potential sale. Additionally, it announces FundsIndia is revamping its website user interface by the end of the month.
Indian equity markets have continued their bull run in July 2021, supported by strong buying from domestic mutual funds despite FIIs being net sellers. Experts feel the bull run may continue but with some consolidation ahead. Investors are advised to book partial profits and rebalance portfolios by increasing allocation to banking, infrastructure and IT sectors through selected funds. The newsletter also profiles the investment journey of Mr. Murthy, who created a retirement corpus of Rs. 1.68 crores through SIP in mutual funds and has opted to receive monthly payments of Rs. 85,000 through a dynamic asset allocation fund.
-YEAR For Stock Pickers
-Market Indicators - Check
the important numbers
-Digitization of the Economy was the predominant theme during CY21
and indicators of the
month
The newsletter discusses the strong growth in the stock market from the previous Diwali to the current Diwali. It notes that analysts believe the bull run will continue for the next 4-5 years, though returns may slow. It advises remaining invested in equities but choosing the right mix of stocks and funds. It also profiles ESG funds, flexicap funds, and business cycle funds as good investment options in the current market. It highlights the inspiring story of an investor who achieved his goal of accumulating over Rs. 1 crore through systematic SIP investments over 10 years for his daughter's education.
- The domestic equity market has continued its bull run from April 2021, with the Nifty rising from 14,867 to 15,763 over this period. Surprisingly, FIIs have been net sellers over these months while domestic mutual funds have purchased shares to sustain the market.
- Experts suggest the equity market rally will continue but with some consolidation. Investors should choose an appropriate asset allocation strategy and book some profits from equity schemes to lower costs and invest in dynamic allocation funds.
- The newsletter profiles the story of Mr. Murty who invested Rs. 50,000 per month via SIP and accumulated Rs. 1.68 crore over 10 years. He has opted to invest this corpus in dynamic allocation funds
The document discusses the performance of Indian stock markets and debt markets. It mentions that stock indices Nifty and Sensex are maintaining bullish momentum. Domestic fund managers are regularly buying equities due to high liquidity in the market. Debt markets are also performing well due to upgrades in corporate debt ratings. As a result, hybrid and dynamic allocation funds have outperformed many equity funds in recent months. The document cautions investors to be careful during bull markets to avoid high risk investments.
- The equity market in India is continuously rising since April 2021, though FIIs have been net negative sellers over this period. Domestic mutual funds have been net buyers and supported the market.
- Experts suggest the bull run will continue but some consolidation is possible. Investors should book partial profits and rebalance portfolios with a focus on banking, infrastructure and IT sectors using flexible equity and dynamic allocation funds.
- The newsletter discusses an inspiring case study of an investor who created a retirement corpus of Rs. 1.68 crores through monthly SIPs over 10 years and has now opted to receive monthly payments through a dynamic allocation fund.
The document discusses the performance of the Indian stock market and debt market. It says that the Nifty and Sensex indexes are maintaining bullish momentum. Domestic mutual fund managers are regularly buying stocks due to high liquidity in the market. The debt market is also performing well due to upgrades in corporate debt ratings. Hybrid and dynamic allocation funds have outperformed many equity funds in recent months. It warns that investors should be cautious during bull markets to avoid high-risk products.
This newsletter discusses savings and investment planning. It emphasizes the importance of adequate savings to meet long-term financial goals with low risk. It profiles a client, Rajath, who was concerned about retirement. The advisor suggested he invest in a SIP for an "angel kid" which would grow to support his retirement. As of 2020, the "angel kid's" investments of Rs. 14.9 lakhs had grown to Rs. 38.46 lakhs. The newsletter encourages others to create an "angel kid" portfolio through SIP to fund their retirement. It also provides market indicators and answers questions about risk ratings and fixed income mutual fund options.
why FIIS Selling ?
Which funds/stocks did investors choose?
-Add Units in SIP Folio
-3 SMART MOVES to take in this Market
-Domestic Institutional Investor's buying overpowered the selling
of FIIs and FPIs
PM Gati Shakti master plan
Inclusive development
Productivity enhancement
Sunrise opportunities
Energy Transition
Climate Action
Financing of Investments
INFLATION
FISCAL DEFICIT
The document discusses recent market volatility and provides investment advice. It notes that both Indian indices and mutual funds saw declines of around 5% in November due to large sales by foreign institutional investors. It advises playing cautiously due to concerns around the new Omicron variant. However, it recommends remaining invested in equity for long-term growth, given India's economic growth and consumption trends. It also suggests dynamic asset allocation funds for better risk management. The rest of the document discusses various investment categories and funds.
The newsletter provides an overview of the stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While most analysts believe the bull run will continue for the next 4-5 years, returns may not remain as high and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles an inspiring case study of an individual who achieved his financial goal of Rs. 1 crore by consistently investing in SIPs over 10 years. The newsletter emphasizes managing emotions and remaining invested in equities through this market rally
Wallet4wealth newsletter-jan-2022. In this news letter we have highlighted Union Budget 2022, Inspiring case stories, 5 must do SIPs for 2022, Market indicators etc. Finance minister Nirmala Sitharaman presented her Budget which was based on 7 key priorities.
Follow these simple rules and safeguard yourselves from investment blunder. The presentation is extremely simple and easy for anyone to comprehend. It will give you an idea whether you should invest directly or you need to approach a professional. Investment could be at stocks, gold, mutual fund, bonds, real estate, etc.
The document is a newsletter from Wallet Finserve Pvt Ltd providing information on investments and personal finance.
It discusses that 2022 may see a focus on stock picking over broad market rallies. Digitization is highlighted as a top investment theme, with examples of digital companies that had successful IPOs in 2021. The newsletter also provides market indicators for the month and an inspiring case story of an investor who reached his investment goal of 1 crore rupees through disciplined SIP investments over 10 years. It concludes with suggestions for new year investment resolutions, including choosing an investment advisor, diversifying one's portfolio, and regularly rebalancing.
The document discusses the performance of the Indian stock market in November 2021. It notes that foreign institutional investors sold around 39,000 crores worth of stocks, which was partially offset by purchases of around 30,000 crores by domestic institutions. The Nifty and Sensex indexes declined around 5% for the month. It also mentions the new Omicron variant is making the market nervous and volatile in the coming days. Investors are advised to remain invested in equities for long-term growth and consider dynamic asset allocation funds for better risk management.
The monthly newsletter by seeman fiintouch LLP January 2021Ashis Kumar Dey
This document summarizes a monthly newsletter from Seeman Fiintouch LLP. It discusses the Union Budget 2022 and its focus on long-term growth through infrastructure investment. It highlights the PM Gati Shakti master plan and its role in facilitating integrated infrastructure planning. It also notes budget initiatives for sectors like banking, manufacturing and renewable energy. The newsletter then summarizes market indicators like GDP growth, inflation, fiscal deficit. It includes an inspiring case story of an individual who invested in ELSS funds for tax benefits and higher returns than PPF. It recommends top SIP themes for 2022 like infrastructure, banking and ESG sectors that may benefit from government policies.
The document is a newsletter from '7KCR Financial Services' discussing developments in the stock market in September 2021. Some key points:
- The SENSEX index touched 60,000 marks for the first time, reflecting growing investor confidence in Indian businesses.
- It was a relatively flat month for SENSEX overall with high volatility. Foreign institutional investors were net buyers in Indian equities after months of selling.
- High-risk sectors like realty, infrastructure, energy and automobiles performed well, benefiting midcap and smallcap stocks.
- The newsletter provides market indicators for September, featured articles on investment topics, and a case study on the benefits of long-term SIP investments.
- The newsletter discusses equity indices continuing their positive trend despite lockdowns in India amid the COVID crisis. It provides an overview of key issues around portfolio strategies during this time.
- It also covers how gold reacted to news of Russia announcing vaccine testing and how it later stabilized.
- The newsletter is meant to help readers with money management and making better investment decisions during uncertain times.
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to plan, you are planning to fail.”Finance is a very integral part of our lives. We work hard all throughout, fulfilling wishes like buying a house, going on a dream vacation, children’s marriage, child’s education and much more. But all the hard work will not have any significance if one doesn’t make a proper Goal plan for their future. A proper plan of investments Mix that will give good yields at proper time is a must for everyone.
The document summarizes the key points from a newsletter sent by FundsIndia to its investors. It discusses the strong performance of equity markets in January, encouraging investors to remain invested during downturns. It also mentions Fidelity mutual funds considering strategic options like a potential sale. Additionally, it announces FundsIndia is revamping its website user interface by the end of the month.
Indian equity markets have continued their bull run in July 2021, supported by strong buying from domestic mutual funds despite FIIs being net sellers. Experts feel the bull run may continue but with some consolidation ahead. Investors are advised to book partial profits and rebalance portfolios by increasing allocation to banking, infrastructure and IT sectors through selected funds. The newsletter also profiles the investment journey of Mr. Murthy, who created a retirement corpus of Rs. 1.68 crores through SIP in mutual funds and has opted to receive monthly payments of Rs. 85,000 through a dynamic asset allocation fund.
-YEAR For Stock Pickers
-Market Indicators - Check
the important numbers
-Digitization of the Economy was the predominant theme during CY21
and indicators of the
month
The newsletter discusses the strong growth in the stock market from the previous Diwali to the current Diwali. It notes that analysts believe the bull run will continue for the next 4-5 years, though returns may slow. It advises remaining invested in equities but choosing the right mix of stocks and funds. It also profiles ESG funds, flexicap funds, and business cycle funds as good investment options in the current market. It highlights the inspiring story of an investor who achieved his goal of accumulating over Rs. 1 crore through systematic SIP investments over 10 years for his daughter's education.
- The domestic equity market has continued its bull run from April 2021, with the Nifty rising from 14,867 to 15,763 over this period. Surprisingly, FIIs have been net sellers over these months while domestic mutual funds have purchased shares to sustain the market.
- Experts suggest the equity market rally will continue but with some consolidation. Investors should choose an appropriate asset allocation strategy and book some profits from equity schemes to lower costs and invest in dynamic allocation funds.
- The newsletter profiles the story of Mr. Murty who invested Rs. 50,000 per month via SIP and accumulated Rs. 1.68 crore over 10 years. He has opted to invest this corpus in dynamic allocation funds
The document discusses the performance of Indian stock markets and debt markets. It mentions that stock indices Nifty and Sensex are maintaining bullish momentum. Domestic fund managers are regularly buying equities due to high liquidity in the market. Debt markets are also performing well due to upgrades in corporate debt ratings. As a result, hybrid and dynamic allocation funds have outperformed many equity funds in recent months. The document cautions investors to be careful during bull markets to avoid high risk investments.
- The equity market in India is continuously rising since April 2021, though FIIs have been net negative sellers over this period. Domestic mutual funds have been net buyers and supported the market.
- Experts suggest the bull run will continue but some consolidation is possible. Investors should book partial profits and rebalance portfolios with a focus on banking, infrastructure and IT sectors using flexible equity and dynamic allocation funds.
- The newsletter discusses an inspiring case study of an investor who created a retirement corpus of Rs. 1.68 crores through monthly SIPs over 10 years and has now opted to receive monthly payments through a dynamic allocation fund.
The document discusses the performance of the Indian stock market and debt market. It says that the Nifty and Sensex indexes are maintaining bullish momentum. Domestic mutual fund managers are regularly buying stocks due to high liquidity in the market. The debt market is also performing well due to upgrades in corporate debt ratings. Hybrid and dynamic allocation funds have outperformed many equity funds in recent months. It warns that investors should be cautious during bull markets to avoid high-risk products.
This newsletter discusses savings and investment planning. It emphasizes the importance of adequate savings to meet long-term financial goals with low risk. It profiles a client, Rajath, who was concerned about retirement. The advisor suggested he invest in a SIP for an "angel kid" which would grow to support his retirement. As of 2020, the "angel kid's" investments of Rs. 14.9 lakhs had grown to Rs. 38.46 lakhs. The newsletter encourages others to create an "angel kid" portfolio through SIP to fund their retirement. It also provides market indicators and answers questions about risk ratings and fixed income mutual fund options.
why FIIS Selling ?
Which funds/stocks did investors choose?
-Add Units in SIP Folio
-3 SMART MOVES to take in this Market
-Domestic Institutional Investor's buying overpowered the selling
of FIIs and FPIs
Wallet4Wealth delivering you a monthly news letter to manage your personal finance. In our previous issue we discussed about India being in a Sweet Spot! Amidst current Global disturbances, FIIs are looking at India as a safe zone for investments; our stringent trade policies and huge consumer base is an unsaid attraction for every investor. Hence most of the investment experts are bullish about Indian equity market.
However the key thing to understand here is - where to invest? It looks promising but costly, Energy & Infra looks cheaper and attractive, large Cap is safe but unable to create enough alpha (returns)...... so a perfect Asset Allocation is must to be followed by every investor. Read more about some SMART Mutual Fund schemes or categories which provides easy maneuvering between the Assets, Sectors and Securities.....
If you want to give any feedback you can suggest us in the comment box. Also do like and share to motivate us so that we will provide you latest information in our next newsletter. For more update visit our website https://wallet4wealth.com/
Thank you.
As we have always said in our
communications that Equity is great wealth
building product if you can manage your fear
& greed ! It simply means , buy right and sit
tight
The monthly newsletter by seeman fiintouch LLP JULY 2022.pdf.pdfAshis Kumar Dey
- GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and leakages have been plugged.
- The Sensex and Nifty logged their highest July return in 23 years, gaining 8.58% and 8.73% respectively. As many as 20 equity funds delivered over 10% returns in July.
- SIP remains an important investment tool for rupee cost averaging and managing volatility, with advantages like controlling emotions, benefiting from market dips, and disciplined investing.
The monthly newsletter by seeman fiintouch LLP APRIL 2022Ashis Kumar Dey
STAY FIRM - INDIA IS DOING WELL
Trending MF Themes
Equity Market is at a pause – NIFTY &SENSEX is down by almost 2% from its 31st March closing.
What is the best method to create good wealth ?
Doubleplus_Finserve_Newsletter_July_22.pdfBhavesh Shah
1) GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and GST leakages have been plugged.
2) The stock market had its best July in 23 years, with the Sensex and Nifty gaining 8.58% and 8.73% respectively. 20 equity funds delivered over 10% returns in July.
3) The newsletter recommends staying invested in equity funds for good opportunities in banking and consumption sectors according to one's risk appetite, and emphasizes that SIP is important for achieving financial goals.
This document provides guidance on how to grow small monthly savings of a few thousand rupees into 1 crore rupees over the long run through disciplined mutual fund investments. It recommends starting SIP investments as early as possible in equity mutual funds and increasing the amount annually to benefit from compounding returns. Choosing the right funds like balanced, tax saving or multi-cap funds and continuing investments through market ups and downs is key to achieving the 1 crore goal in 15-30 years depending on the initial investment amount and return assumptions. Annual reviews can optimize the investment based on fund performance.
The newsletter provides an overview of the Indian stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While analysts believe the bull run will continue for the next 4-5 years, returns may slow and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles a case study of an individual who achieved his financial goal of accumulating Rs. 1 crore through consistent SIP investments over 10 years.
In every movie, at the end everything goes well and movie ends happily and if it didn’t, then... "Picture abhi baaki hai mere dost"
How happy we’ll be if our life turns out to be like a movie, no? But the truth is … Life is not a movie. We all know about the hardship and struggle of life. But YES, if we plan our finances and manage it properly then we can surly make the story of our life “Happy".
So where ever you are and in whatever condition, let's start planning our finance because."Picture abhi baaki hai mere dost...". We at financial Hospital is coming with a session on how to plan and where to find safe heaven for your finance. Read on to make yourself a super hero of your own life movie.
This newsletter discusses the market reaction to rising COVID cases in April 2021. It summarizes that key indices like Nifty and Sensex saw high volatility as some investors believed cases would peak soon while others feared rising deaths. Overall, indices ended about where they started. It notes that while foreign investors were net sellers, domestic investors were net buyers, indicating greater local faith in managing the crisis. The newsletter also provides an inspiring case study of a 37-year old investor who started SIP at age 27 and has accumulated around Rs. 82 lacs, emphasizing the power of compound interest and disciplined long-term investing. It recommends dynamic asset allocation funds to help navigate volatility.
The document is a newsletter providing information on investments. It includes sections on investment advice, market indicators like fund performance and equity market charts, and an inspiring savings story. The story profiles a retired investor named Mr. Ramchandra Murthy who chose to invest his retirement proceeds in dynamic asset allocation mutual funds instead of fixed deposits, in order to generate monthly income while benefiting from potential capital appreciation, liquidity, and tax efficiency. After 4 years of withdrawing Rs. 25,000 per month, his total investment of Rs. 40 lakh had grown to Rs. 45 lakh, showcasing the benefits of this approach.
- India is seen as a relatively safe investment destination amid global disturbances. However, investors need to carefully choose where to invest as different sectors and market caps offer different risks and returns.
- While large caps have underperformed year-to-date, India's economy is expected to grow steadily at around 7% going forward, supported by government policies.
- Investing is no longer just about large caps; themes like energy, infrastructure and ESG are emerging areas of opportunity in mutual funds beyond just large caps. Diversification across assets, sectors and securities is important.
The monthly newsletter provides information on investments, market indicators, and an inspiring investment story. It discusses the positive performance of the stock market in October with the Nifty growing over 6%. It also provides education on mutual funds, explaining what they are, the different types of funds, how to invest through SIP, and how returns are calculated. Charts show the past performance of various asset classes like gold, real estate, and equities over long periods. An inspiring story highlights how one investor doubled his investment in just 6 years by investing in equity mutual funds instead of other assets like gold or FDs.
Doubleplus_Finserve_Newsletter_April_22.pdfBhavesh Shah
- India's large-cap equity market indices (Nifty and Sensex) were down around 2% year-to-date in April 2022, causing large-cap focused mutual funds to also be in the red.
- However, experts say not to worry as India has performed well relative to other economies, with the World Bank noting India's integration into the global economy and average 7% GDP growth.
- Investing strategies have evolved beyond just large-caps - themes like energy, infrastructure, and ESG are emerging wealth creators, so maintaining a diversified portfolio remains important.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
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https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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Arm sunrise-june,2021
1. WOW ! WHAT A MONTH IT
WAS !
Almost every Equity Index shown a good rally and closed 7-10%
higher than its month opening ! We saw major recoveries in
Banking & Financial Sectors and phenomenal rise in metal
stocks.
One thing is very clear that market is not at all feared about
COVID numbers now ! Rather , the decline in cases is pumping
more air in the equity market. Also it is quite evident that there
is a clear sign of sector rotations – sometimes its pharma,
sometimes its technology and sometimes its Banking ! So how
should you be placed in your equity investments ?
Read this issue of our Newsletter to know more about the right
strategy to stick with- in the current situation ! Please must
write back to us if u have any suggestion in the newsletter.
I humbly request you to share this Newsletter link in your
facebook page or among your friends, for our encouragement.
Kashinath Mantri, Managing Director
Special Feature -
Health First
Inspiring Case
Story - Smart
way to Save Tax
Market Indicator
& MF Chart
INVESTMENT KNOWLEDGE CENTER
Sunrise Associates
A Monthly Newsletter for Investors Education & Awareness
WHAT'S INSIDE THE ISSUE ?
31ST MAY 2021
+91-72858-63329
sunconnect02@sunassociates.in
www.sunassociates.in
www.sunassociates.in Page 1
2. A large section of Indian investors prefer to use Liquid
Mutual Funds to create the emergency Funds. You can
create emergency funds in your savings bank account also,
but we prefer the route of Liquid MF because it is mapped
under your portfolio and visible under our database for
regular monitoring
In case you don’t have surplus funds to invest at a go, don’t
rush to invest at a go – you can start a habit of keeping 5%
of your Monthly Income aside under Liquid Fund. Keep
doing this 4-5 years and then stop the process.
TIPs to create an emergency fund
Chapter 1 : Health First
The second wave of COVID was really fast and furious – the death tools rose to its peak in the month of April
and number of cases went off the roof ! This time we all understood three key things related to our finances
We must keep an emergency
fund in Liquid Mutual Funds
or any other form ,
equivalent to our 3 months
expenses
We must keep an active
cashless Health Policy in
hand, for a minimum of Rs 5
Lacs
We must keep a COVID covered
term insurance policy to secure
your family in case of any unseen
deaths
Buying a medical policy after 50 or 55 there is chances that
due to existing life style decease one may not get desire
coverage even after paying a large premium! If you are
already in the 50s or 60s age group, then do set aside a Kitty
of 5-10 lacs for your medical Kitty, and invest that fund in
any good Dynamic Asset Allocation fund.
If you are in the early bracket of your age and don’t have
enough savings to shell out on unseen medical expenses ,
then must go for a cashless health policy without Room
rent limitation. Ask us for a best premium quotation which
is suitable to your need. Once you decide the policy and
annual premium, then you must open a SIP in Liquid MF
equivalent to Annual Premium /12. This will help you
manage the sudden cash flow towards the premium.
TIPs to to buy a good medical
Policy
www.sunassociates.in Page 2
3. Buying a term policy is a very important decision in your life
and it is equally important to choose the most suitable one !
Like you must check one key point– is the term policy
covers COVID deaths ?
Besides this , you should be choosing the total policy cover
wisely. It is not necessary to buy all the desired cover at a go
– say example your current Human Value is 1 Cr and you
want to buy a policy for 1 Cr. If the required premium is not
under your annual budget then you must reduce the cover
size and buy the policy; buy the additional cover once you
have feasibility to do so. And finally , decide your term with
proper deliberations, like- what is your Kids current age ,
what is your retirement age , what is the rate of your annual
savings and portfolio growth rate etc ?
Ask us, for a one to one counselling and
discussion to decide upon a perfect term policy
TIPs to buy a COVID covered
term policy
www.sunassociates.in Page 3
4. Chapter 2.1 : Equity Market
Indicator
INDIAN INDICES
as on 31st May '21
KEY INTERNATIONAL INDICIES
as on 31st May '21
SENSEX NIFTY 50 NASDAQ 100 S & P 500 Dow Jones
51937.44 15582.80 13748.74 4204.11 34529.45
3 Month
1 Month
6 Month
1 Year
Period
6.47%
5.78%
48.75%
55.95%
6.50%
7.25%
20.15%
58.59%
-1.53%
4.22%
12.71%
43.93%
0.55%
10.31%
16.08%
37.58%
1.93%
11.63%
16.50%
35.54%
SENSEX NIFTY 50 NASDAQ 100 S & P 500 Dow Jones
"India stocks were among Asia-Pacific’s top-performing markets
in May, even as the country continues to grapple with tens of
thousands of new cases every day "
“The markets seem to like to differentiate between economic and obviously
corporate earnings development versus then the rise of the new cases,” Tuan Huynh,
who is chief investment officer for Europe and Asia-Pacific at Deutsche Bank International
Private Bank
India has registered more than 28 million infections so far and is the second worst-hit
country in the world in terms of caseload, according to data compiled by Johns Hopkins
University. Daily cases have eased from the record high of over 400,000 at the start of May
— but continue to hover above 100,000. That’s still quite high compared to other countries
in the world.
U.S. investment bank Goldman Sachs is “overweight” on India, and expects stocks there to
outperform.
www.sunassociates.in Page 4
5. Chapter 2.2 : Commodity Market
Indicator
1905.30 69.32
3 Month
1 Month
6 Month
1 Year
Period
GOLD (USD) /
OUNCE
SILVER(USD) /
OUNCE
CRUDE OIL
(USD)
28.01
GOLD (USD) (%) SILVER(USD) (%) CRUDE OIL(%)
7.66%
9.88%
6.43%
7.42%
8.10%
5.95%
23.62%
45.05%
3.08%
4.82%
45.66%
80.90%
"Gold and Silver was shinning all though out May......it was a
strange scene to see in market when both Equity and Gold saw
buying spree "
SGB, Sovereign Gold Bond series was also launched in the month of May and its different
tranches will be launched at various intervals in 2021-22.
Investors have subscribed for an impressive 5.31 tonnes of gold under the government's
latest sovereign gold bond offer, underscoring revival of interest for the yellow metal, which
has hit three-month highs of Rs 4,777 a gram, ex taxes. The government has garnered Rs
2,540.87 crore through the Series 1 of FY22 offering, the second-highest by quantity only to
August 2020's record 6.35 tonnes.
www.sunassociates.in Page 5
6. Chapter 2.3 : Other Market
Indicator
"It was green all the way in the month of May '21 . The market
trapped many bears and took them to surprise "
Almost every Indices did well in the month of May, but Midcap, Small Cap and Energy was
a clear winner . Experts believe that Banking and Financial will be on the top of chart in
months to come
Domestic Investors gained a lot in this upside momentum as FIIs were lagging behind in
terms of infusing funds in the may of Month. Analyst suggest the investors to remain
cautious while taking any sectoral bet, rather they advice to go through a good diversified
Flexicap Fund or Multicap Funds for better growth in capital
www.sunassociates.in Page 6
8. SUJOY CHAKRAVARTY,
48 YRS
How he used his Risk appetite to choose ELSS over PPF and
managed to generate much bigger wealth for himself, which he
could not have done through his traditional deposits
C H A P T E R 3 : C A S E S T O R Y
HOW SUJOY DOUBLED HIS
ROI BY CHOOSING ELSS
OVER PPF, IN LAST 10 YRS
Story line by Sujoy Charavarty , Bangalore
Sujoy is a Software Engineer based at bangalore ; he started his tax
Saving Investments at the age of 36 . As required by his HR and to
increase his take home, he needed to invest 1.5 lacs every year in any
Tax Savings scheme under section 80 C. Despite his families traditional
way of investing in PPF , he chose to go for ELSS, which had a non
guaranteed returns and market volatility element........
Today , after 10
years he is boasting
about his decision
because the portfolio
value of ELSS is
almost double , what
PPF would have
delivered !!
By Investing through
ELSS....
www.sunassociates.in Page 8
9. While we are going to drill this story for your motivation and investment inspiration , let us
understand few basic definitions here :
What is the full form of ELSS and PPF ?
ELSS : Equity Linked Savings Scheme
PPF : Public Provident Fund
What are the key feature of both these investment schemes ?
Both these products are used to invest to save income tax by deduction of upto Rs 1.5 lacs , under section
80 C . For example, if you have a total income of Rs 10 lacs a year, then by investing Rs 1.5 lacs in ELSS or
PPF , your taxable Income will come down to 8.5 Lacs
What is the basic difference in ELSS and PPF ?
Most important difference is the Risk or Guarantee. In ELSS you can’t get any guaranteed returns and
have chances to lose your capital also , if equity market goes down ! But in PPF it is a government
guaranteed fixed annual returns.
However, ELSS has delivered much better returns as compared to PPF over a period of 10-15
years , because our Equity markets have always beaten the Fixed Income returns in longer term
Thus , ELSS is the tax saving mutual fund which serves both the purpose of saving taxes and
help you create long term wealth.
Today , after 10 years he is boasting about his decision because the
portfolio value of ELSS is almost double than what PPF would have
delivered !!
ELSS funds generate returns by primarily investing in equity and
equity-related instruments. This makes it a suitable investment
option for a person with long term goals. You get a combination
of the highest gain of 12% and above, as well as the lowest lock-in
period of 3 years by investing in ELSS, which is the best
investment option when compared to other options with tax
deductions under Section 80C of the Income Tax Act, 1961.
However, PPF carries a longer lock-in period of 15 years which can
further be extended for another 5 but, there is a facility of
premature withdrawal from 6th year onwards.
www.sunassociates.in Page 9
10. In the year 2011, Sujoy Chakravarty, simply divided his annual investment
target in 5 different ELSS Schemes - Rs 2500 each , total of Rs 1.50 Lacs a
year. Today after after 10 years his total portfolio value stands at : Rs
37,38,328.95 as compared to Rs 23,59,050.30 , if he had invested in PPF
You can use the information given in this real story, to make the right call for your investment
and tax benefit needs. Additionally, you can ask us for ELSS Scheme Chart and more details to
full-fill your annual Tax Saving targets through ELSS.
Disclaimer :
Mutual Fund investments are subject to market risks, read all scheme related documents
carefully. The NAVs of the schemes may go up or down depending upon the factors and
forces affecting the securities market including the fluctuations in the interest rates. The past
performance of the mutual funds is not necessarily indicative of future performance of the
schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the
schemes and the same is subject to the availability and adequacy of distributable surplus.
Investors are requested to review the prospectus carefully and obtain expert professional
advice with regard to specific legal, tax and financial implications of the
investment/participation in the scheme.
While all efforts have been taken to make this web site as authentic as possible, please refer
to the print versions, notified Gazette copies of Acts/Rules/Regulations for authentic version
or for use before any authority. We will not be responsible for any loss to any person/entity
caused by any short-coming, defect or inaccuracy inadvertently or otherwise crept in this
newsletter
www.sunassociates.in Page 10
11. Chapter 4 : Readers' Questions
Question 1 : Can I buy a mutual fund in
my demat account?
- Rahul , Kolhapur
Answer: Yes. Mutual fund is just like
any other security which can be held
physically or in demat form. You just
need to open a demat account and tell
your distributor to open your demat
based MF transaction account.
Everything will be same, just that your
units will be held in demat form.
Question 2: How can I do online KYC to
start my investments in mutual fund?
-Rajni Juneja, Bangalore
Answer: As you know KYC is a very
important compliance to start a mutual
fund investment. The KYC can be done
physically by signing up an application
form. However, you can also do KYC,
through Aadhar based OTP verification
or Aadhar based E-signature method.
Question 3: Which are the best SIPs to
invest in?
- Ahmed Saleem, Bangalore
Answer: This is a very vague question.
Because SIP is an objective based
investment methodology. You must
assess financial goals and risk
appetite before asking this question to
any financial advisor or distributor.
Still, I assume that every Indian
household should have a minimum of
two key SIPs. One in a good Flexi-cap
scheme and another in any asset
allocation scheme.
Post Your Queries here
www.sunassociates.in Page 11