Different investment option return
•Download as PPTX, PDF•
1 like•450 views
This document compares the returns of various investment options in India from April 1979 to March 2015, including inflation, LIC fixed deposits, Public Provident Fund, Employee Provident Fund, gold, and the BSE Sensex stock market index. It shows that over this 36-year period, the Sensex provided the highest returns at 17.46%, followed by gold at 10.42%, EPF at 10.21%, PPF at 8.67%, inflation at 7.72%, and LIC FD at 5%. A table displays the ending values of an initial Rs. 100,000 invested in each option over this time period.
Report
Share
Report
Share
Recommended
Equity market is always risky 2
Equity investments are not inherently risky, and choosing not to invest in equities may actually be the riskiest option. The document discusses common myths around equity markets being too risky and promotes the importance of financial awareness and education in understanding appropriate investments and risk levels. It provides contact information for an individual that offers guidance on goal planning and wealth management.
Equity is risky not investing in equity is risky - 2
The document promotes a financial awareness initiative by Biswajit Das, a diploma holder in wealth management. The initiative aims to educate people about basic financial concepts like job, income, investment, return, expenses, consumption, supply, demand, and manufacturing. It argues that investing in equities is not inherently risky and that not investing in equities to multiply wealth through economic development is actually the riskiest option.
Gold – not glittering
Gold prices do not always appreciate and provide high returns as commonly believed. While the Indian gold price has increased over time, this is primarily due to the depreciation of the rupee rather than gold itself appreciating in value. Internationally, the gold price in 1999 saw only a 7% increase from 1980, and the dollar price of gold in 1999 was even 10% lower than in 1980, showing gold does not necessarily steadily rise in value.
Real estate – real fact1
Real estate is often thought to always increase in value and provide high returns, but this is a myth. While real estate prices have risen in some areas, they can also decline or see limited growth depending on the market conditions. Location is important, as are economic factors like interest rates, supply and demand. Diversification is recommended over putting all investments into one asset class like real estate.
Guaranteed return – wealth creation not guaranteed
Biswajit Das is a diploma holder in wealth management and goal planning specialist who provides relationship-based advising. He shares contact information including phone number and email on multiple occasions. The document discusses how an investment of Rs. 100,000 earning 7.25% return results in a net maturity of Rs. 99,519 after accounting for 30% tax and 5.18% inflation, showing that returns are not truly guaranteed once taxes and inflation are considered.
Inflation – The silent & invisiable killer
The document discusses the effects of inflation on investment returns. It provides an example where a Rs. 100,000 investment earning 7.25% annually over some period results in a maturity value of Rs. 107,250. However, after accounting for 30% taxes of Rs. 2,175 and 5.18% inflation erosion of Rs. 5,556, the real net maturity value is only Rs. 99,519, resulting in a net return of -7.73% rather than the 7.25% quoted return. Thus, the document illustrates how inflation can act as a silent killer by eroding investment returns over time if not accounted for.
Income protection - The ultimate protection
Biswajit Das is a wealth management specialist who provides financial advising and goal planning services. The document lists his contact information and credentials, including a diploma in wealth management and certification as a goal planning specialist. It also poses the question "Can your family survive for life long with this money?" to prompt consideration of income protection and life insurance for financial security after death.
Rauch transatlantic connections med humanities presentation
The document discusses the author's research on the rhetoric and economics of user attention in electronic health record (EHR) clinical documentation. It provides an overview of the author's research journey, questions, theoretical frameworks, methods, key findings, and recommendations. The research examines how EHR technology influences clinical documentation practices and user attention. It analyzes user challenges and the transaction hazards they can create in EHR narratives. The author recommends further research on training initiatives and the rhetorical value of clinical narratives in EHR systems.
Recommended
Equity market is always risky 2
Equity investments are not inherently risky, and choosing not to invest in equities may actually be the riskiest option. The document discusses common myths around equity markets being too risky and promotes the importance of financial awareness and education in understanding appropriate investments and risk levels. It provides contact information for an individual that offers guidance on goal planning and wealth management.
Equity is risky not investing in equity is risky - 2
The document promotes a financial awareness initiative by Biswajit Das, a diploma holder in wealth management. The initiative aims to educate people about basic financial concepts like job, income, investment, return, expenses, consumption, supply, demand, and manufacturing. It argues that investing in equities is not inherently risky and that not investing in equities to multiply wealth through economic development is actually the riskiest option.
Gold – not glittering
Gold prices do not always appreciate and provide high returns as commonly believed. While the Indian gold price has increased over time, this is primarily due to the depreciation of the rupee rather than gold itself appreciating in value. Internationally, the gold price in 1999 saw only a 7% increase from 1980, and the dollar price of gold in 1999 was even 10% lower than in 1980, showing gold does not necessarily steadily rise in value.
Real estate – real fact1
Real estate is often thought to always increase in value and provide high returns, but this is a myth. While real estate prices have risen in some areas, they can also decline or see limited growth depending on the market conditions. Location is important, as are economic factors like interest rates, supply and demand. Diversification is recommended over putting all investments into one asset class like real estate.
Guaranteed return – wealth creation not guaranteed
Biswajit Das is a diploma holder in wealth management and goal planning specialist who provides relationship-based advising. He shares contact information including phone number and email on multiple occasions. The document discusses how an investment of Rs. 100,000 earning 7.25% return results in a net maturity of Rs. 99,519 after accounting for 30% tax and 5.18% inflation, showing that returns are not truly guaranteed once taxes and inflation are considered.
Inflation – The silent & invisiable killer
The document discusses the effects of inflation on investment returns. It provides an example where a Rs. 100,000 investment earning 7.25% annually over some period results in a maturity value of Rs. 107,250. However, after accounting for 30% taxes of Rs. 2,175 and 5.18% inflation erosion of Rs. 5,556, the real net maturity value is only Rs. 99,519, resulting in a net return of -7.73% rather than the 7.25% quoted return. Thus, the document illustrates how inflation can act as a silent killer by eroding investment returns over time if not accounted for.
Income protection - The ultimate protection
Biswajit Das is a wealth management specialist who provides financial advising and goal planning services. The document lists his contact information and credentials, including a diploma in wealth management and certification as a goal planning specialist. It also poses the question "Can your family survive for life long with this money?" to prompt consideration of income protection and life insurance for financial security after death.
Rauch transatlantic connections med humanities presentation
The document discusses the author's research on the rhetoric and economics of user attention in electronic health record (EHR) clinical documentation. It provides an overview of the author's research journey, questions, theoretical frameworks, methods, key findings, and recommendations. The research examines how EHR technology influences clinical documentation practices and user attention. It analyzes user challenges and the transaction hazards they can create in EHR narratives. The author recommends further research on training initiatives and the rhetorical value of clinical narratives in EHR systems.
Electronic Sex
Sex robots are becoming increasingly advanced as technology progresses. Some argue that sex robots could help address loneliness and sexual frustration, while others are concerned they could normalize objectification or unhealthy attitudes. The development and use of sex robots raises complex social and ethical issues that society will continue grappling with in the coming years.
Integrating symfony and Zend Framework
The slides for my presentation on using symfony and Zend Framework together in the same project, as given at the phpBenelux September Meeting 2009
ICICIdirect_PTC_Report
This document provides an analysis of PTC India Limited by ICICIdirect. It includes key financial details, an overview of the company and investment rationale. The power trading market in India is growing significantly and expected to continue growing as power deficit remains high. PTC India is well positioned in this expanding market as the largest power trading company in India with over 46% market share. It also has investments in several power generation projects that will contribute to its future growth. The analyst initiates coverage on PTC India with an OUTPERFORM rating due to its leadership position and growth opportunities in power trading.
[Challenge:Future] The Traineeland - an online platform for internships
The Traineeland team from Romania aims to address high youth unemployment through an online platform providing nationwide internships, coaching, and information on opportunities. With youth unemployment around 23% in Romania and many graduates lacking experience, the platform will connect students and unemployed youth with internships, development programs, and recruiters. Benefits include open merit-based matching of applicants to opportunities across Romania, coaching for applicants, and networking among affected youth. The team aims to involve 100-200 unemployed people in the first year, contributing to lowering unemployment while offering young people choices and support to find suitable opportunities.
Charters no Veleiro PAMGIAN
Aprenda Vela Oceânica num final de semana embarcado e veleje para as paradisíacas Ilha Anchieta ou Prumirim e aproveite para tomar sol, mergulhar e divertir-se!
FBTM Dados e Metas
A FBTM é uma entidade que promove o tênis de mesa na Bahia por meio de projetos esportivos, eventos e capacitação. Ela oferece serviços de administração esportiva, marketing, captação de recursos e assessoria. Seu objetivo é se tornar referência em gestão esportiva no Brasil com foco em responsabilidade social.
Ssp4 ba sistem saraf_ ajeng_pertm. 1&2
Dokumen tersebut memberikan penjelasan tentang sistem saraf manusia meliputi:
1) Struktur dan fungsi sel saraf
2) Mekanisme penghantaran impuls saraf melalui membran plasma dan sinapsis
3) Jenis-jenis neuron yaitu sensorik, motorik, dan interneuron
5 essential tools for the PHP Developer on Windows
These are the slides that I couldn't use for my presentation at Microsoft DevDays 2009 in The Hague due to computer failure.
Kaip samdyti laisvadarbius pigiems darbams Lietuvoje ir užsienyje
Ši prezentacija naudota 2016 m. sausio 7 d. webinare, kuriame pasakojau, kaip galima internetu iš užsienio ir Lietuvoje samdyti laisvadarbius (freelancerius) įvairiems pigiems darbams.
Webinaro įrašą rasite čia: http://www.webconsulting.lt/laisvadarbiu-samdymas-internetu-pigiems-darbams-atlikti-webinaras/
Caxumba
A caxumba é uma doença viral contagiosa que causa inchaço doloroso das glândulas salivares, sendo transmitida através de gotículas respiratórias ou contato direto. Os principais sintomas incluem febre, dor de cabeça e inchaço das glândulas parótidas. Não há tratamento específico, mas os sintomas podem ser aliviados com repouso, ingestão de líquidos e analgésicos. A vacina tríplice viral é eficaz na prevenção da cax
Microciclo - Jose Luis Arjol
Este documento presenta la propuesta de entrenamiento para la décima semana de un equipo de fútbol. El microciclo incluye sesiones de fuerza-velocidad, resistencia específica de juego, y recuperación. El martes es de descanso total. El miércoles incluye una doble sesión con ejercicios de fuerza-potencia y juego con situaciones táctico-técnicas.
6 инструментов, которые бережливое производство и шесть сигм не могут поделить
Это "Шесть сигм. Просто о сложном", и сегодня мы поговорим о 6 инструментах, которые бережливое производство и шесть сигм не могут между собой поделить.
Традиционно методологию шести сигм отожествляют со статистическими методами анализа, в то время как бережливое производство -- с такими инструментами как визуальный менеджмент и 5S. Но так ли легко разделить инструментарий бережливого производства и шести сигм?
В действительности существует как минимум шесть инструментов, которые эти методологии не могут поделить между собой.
Больше информации вы сможете найти на сайте SixSigmaOnline.ru, знакомясь с открытыми материалами, участвуя в наших тренингах или пользуясь литературой нашего сайта.
Tortugues p4 curs 2015-16
Los estudiantes participaron en un taller sobre reptiles y anfibios donde tuvieron la oportunidad de ver y tocar diferentes animales como una tortuga terrestre, una tortuga mordaz, una falsa coral, una pitón, un camaleón e insectos palo y sapos.
Parotiditis 2015
Este documento describe la parotiditis, una enfermedad causada por el virus de la parotiditis. Se transmite por gotas de saliva y causa inflamación de las glándulas parótidas. Antes de la vacuna, afectaba principalmente a niños en edad escolar, pero ahora se presenta más en adolescentes y adultos jóvenes. Puede causar complicaciones como meningitis, orquitis u oofritis. El tratamiento se enfoca en aliviar los síntomas y la prevención es mediante la vacuna triple viral.
Antanas Bakšys: Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-kome...
Antanas Bakšys: Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-kome...Vladas Sapranavicius
Antanas Bakšys, SearchNode įkūrėjas ir vadovas el. komercijos konferencijoje "E-komercija '14" skaitė pranešimą Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-komercijoje
Konferencijos tinklalapis: http://e-komercija.eu/Enfermedades infecto contagiosas
1) El documento describe las características clínicas, etiología, diagnóstico y tratamiento de varias enfermedades infecciosas como la poliomielitis, difteria, tétanos, tos ferina, fiebre tifoidea y parotiditis. 2) Se explica que estas enfermedades son causadas por diferentes agentes como virus o bacterias y se transmiten de diversas formas como por vía oral-fecal, respiratoria u otras. 3) También se destacan las vacunas disponibles para prevenir cada enfermedad.
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 yearsBiswajit Das. "Relationship Beyond Advising."
The document discusses an iconic property in Mumbai that was purchased in 1957 for 18 lakh rupees and recently sold for 750 crore rupees. While this represents a 4,000 times increase in value over 58 years, when accounting for inflation the annual growth rate of the property was 15.45%, which is a reasonable return but not astronomical.Can you imagine 1 lakh become 2.96 cr?
This document promotes financial awareness and goal planning by analyzing the historical returns of various investment options in India from 1979 to 2017. It shows that investing 100,000 in the stock market index Sensex would have grown to over 29.6 million after adjusting for inflation, far outpacing similar investments in fixed deposits, public provident fund, gold, or the employees' provident fund. The document advocates for financial planning and investing to achieve long-term goals.
More Related Content
Viewers also liked
Electronic Sex
Sex robots are becoming increasingly advanced as technology progresses. Some argue that sex robots could help address loneliness and sexual frustration, while others are concerned they could normalize objectification or unhealthy attitudes. The development and use of sex robots raises complex social and ethical issues that society will continue grappling with in the coming years.
Integrating symfony and Zend Framework
The slides for my presentation on using symfony and Zend Framework together in the same project, as given at the phpBenelux September Meeting 2009
ICICIdirect_PTC_Report
This document provides an analysis of PTC India Limited by ICICIdirect. It includes key financial details, an overview of the company and investment rationale. The power trading market in India is growing significantly and expected to continue growing as power deficit remains high. PTC India is well positioned in this expanding market as the largest power trading company in India with over 46% market share. It also has investments in several power generation projects that will contribute to its future growth. The analyst initiates coverage on PTC India with an OUTPERFORM rating due to its leadership position and growth opportunities in power trading.
[Challenge:Future] The Traineeland - an online platform for internships
The Traineeland team from Romania aims to address high youth unemployment through an online platform providing nationwide internships, coaching, and information on opportunities. With youth unemployment around 23% in Romania and many graduates lacking experience, the platform will connect students and unemployed youth with internships, development programs, and recruiters. Benefits include open merit-based matching of applicants to opportunities across Romania, coaching for applicants, and networking among affected youth. The team aims to involve 100-200 unemployed people in the first year, contributing to lowering unemployment while offering young people choices and support to find suitable opportunities.
Charters no Veleiro PAMGIAN
Aprenda Vela Oceânica num final de semana embarcado e veleje para as paradisíacas Ilha Anchieta ou Prumirim e aproveite para tomar sol, mergulhar e divertir-se!
FBTM Dados e Metas
A FBTM é uma entidade que promove o tênis de mesa na Bahia por meio de projetos esportivos, eventos e capacitação. Ela oferece serviços de administração esportiva, marketing, captação de recursos e assessoria. Seu objetivo é se tornar referência em gestão esportiva no Brasil com foco em responsabilidade social.
Ssp4 ba sistem saraf_ ajeng_pertm. 1&2
Dokumen tersebut memberikan penjelasan tentang sistem saraf manusia meliputi:
1) Struktur dan fungsi sel saraf
2) Mekanisme penghantaran impuls saraf melalui membran plasma dan sinapsis
3) Jenis-jenis neuron yaitu sensorik, motorik, dan interneuron
5 essential tools for the PHP Developer on Windows
These are the slides that I couldn't use for my presentation at Microsoft DevDays 2009 in The Hague due to computer failure.
Kaip samdyti laisvadarbius pigiems darbams Lietuvoje ir užsienyje
Ši prezentacija naudota 2016 m. sausio 7 d. webinare, kuriame pasakojau, kaip galima internetu iš užsienio ir Lietuvoje samdyti laisvadarbius (freelancerius) įvairiems pigiems darbams.
Webinaro įrašą rasite čia: http://www.webconsulting.lt/laisvadarbiu-samdymas-internetu-pigiems-darbams-atlikti-webinaras/
Caxumba
A caxumba é uma doença viral contagiosa que causa inchaço doloroso das glândulas salivares, sendo transmitida através de gotículas respiratórias ou contato direto. Os principais sintomas incluem febre, dor de cabeça e inchaço das glândulas parótidas. Não há tratamento específico, mas os sintomas podem ser aliviados com repouso, ingestão de líquidos e analgésicos. A vacina tríplice viral é eficaz na prevenção da cax
Microciclo - Jose Luis Arjol
Este documento presenta la propuesta de entrenamiento para la décima semana de un equipo de fútbol. El microciclo incluye sesiones de fuerza-velocidad, resistencia específica de juego, y recuperación. El martes es de descanso total. El miércoles incluye una doble sesión con ejercicios de fuerza-potencia y juego con situaciones táctico-técnicas.
6 инструментов, которые бережливое производство и шесть сигм не могут поделить
Это "Шесть сигм. Просто о сложном", и сегодня мы поговорим о 6 инструментах, которые бережливое производство и шесть сигм не могут между собой поделить.
Традиционно методологию шести сигм отожествляют со статистическими методами анализа, в то время как бережливое производство -- с такими инструментами как визуальный менеджмент и 5S. Но так ли легко разделить инструментарий бережливого производства и шести сигм?
В действительности существует как минимум шесть инструментов, которые эти методологии не могут поделить между собой.
Больше информации вы сможете найти на сайте SixSigmaOnline.ru, знакомясь с открытыми материалами, участвуя в наших тренингах или пользуясь литературой нашего сайта.
Tortugues p4 curs 2015-16
Los estudiantes participaron en un taller sobre reptiles y anfibios donde tuvieron la oportunidad de ver y tocar diferentes animales como una tortuga terrestre, una tortuga mordaz, una falsa coral, una pitón, un camaleón e insectos palo y sapos.
Parotiditis 2015
Este documento describe la parotiditis, una enfermedad causada por el virus de la parotiditis. Se transmite por gotas de saliva y causa inflamación de las glándulas parótidas. Antes de la vacuna, afectaba principalmente a niños en edad escolar, pero ahora se presenta más en adolescentes y adultos jóvenes. Puede causar complicaciones como meningitis, orquitis u oofritis. El tratamiento se enfoca en aliviar los síntomas y la prevención es mediante la vacuna triple viral.
Antanas Bakšys: Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-kome...
Antanas Bakšys: Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-kome...Vladas Sapranavicius
Antanas Bakšys, SearchNode įkūrėjas ir vadovas el. komercijos konferencijoje "E-komercija '14" skaitė pranešimą Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-komercijoje
Konferencijos tinklalapis: http://e-komercija.eu/Enfermedades infecto contagiosas
1) El documento describe las características clínicas, etiología, diagnóstico y tratamiento de varias enfermedades infecciosas como la poliomielitis, difteria, tétanos, tos ferina, fiebre tifoidea y parotiditis. 2) Se explica que estas enfermedades son causadas por diferentes agentes como virus o bacterias y se transmiten de diversas formas como por vía oral-fecal, respiratoria u otras. 3) También se destacan las vacunas disponibles para prevenir cada enfermedad.
Viewers also liked (20)
[Challenge:Future] The Traineeland - an online platform for internships
[Challenge:Future] The Traineeland - an online platform for internships
5 essential tools for the PHP Developer on Windows
5 essential tools for the PHP Developer on Windows
Kaip samdyti laisvadarbius pigiems darbams Lietuvoje ir užsienyje
Kaip samdyti laisvadarbius pigiems darbams Lietuvoje ir užsienyje
6 инструментов, которые бережливое производство и шесть сигм не могут поделить
6 инструментов, которые бережливое производство и шесть сигм не могут поделить
Antanas Bakšys: Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-kome...
Antanas Bakšys: Pajudėjome iš akmens amžiaus: paieškos sistemos svarba e-kome...
More from Biswajit Das. "Relationship Beyond Advising."
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 yearsBiswajit Das. "Relationship Beyond Advising."
The document discusses an iconic property in Mumbai that was purchased in 1957 for 18 lakh rupees and recently sold for 750 crore rupees. While this represents a 4,000 times increase in value over 58 years, when accounting for inflation the annual growth rate of the property was 15.45%, which is a reasonable return but not astronomical.Can you imagine 1 lakh become 2.96 cr?
This document promotes financial awareness and goal planning by analyzing the historical returns of various investment options in India from 1979 to 2017. It shows that investing 100,000 in the stock market index Sensex would have grown to over 29.6 million after adjusting for inflation, far outpacing similar investments in fixed deposits, public provident fund, gold, or the employees' provident fund. The document advocates for financial planning and investing to achieve long-term goals.
Long term wealth creation through equity investment
The document discusses various investment and savings options for individuals, including their typical returns and risks. It provides statistics on household savings in India for 2013-14, showing the majority in currency and bank deposits, followed by investment in shares, debentures, mutual funds, and life insurance. The document advocates that equity investment through the stock market can be a means to multiply wealth over the long run through participation in a country's economic growth, but that individuals tend to be more conservative investors.
Thank u
An initiative to promote financial awareness saw over 21,000 views in May. The author thanks well-wishers for viewing posts on different financial topics. He requests suggestions on other topics that could make the awareness program more meaningful.
Take the advantage of lower interest rate
An initiative aims to promote financial awareness by helping people take advantage of lower interest rates for existing housing and personal loans. The initiative offers free doorstep service across India with no processing fees for housing loan balance transfers until July 31, 2017. The goal is to help people benefit from lower interest rates through housing and personal loan balance transfers.
Financial literacy in india very low
An initiative aims to promote financial awareness in India by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. Das provides his contact information including phone number, email, and social media links to discuss financial literacy and advising, as financial literacy is currently very low in India according to a study.
Real estate – real fact 2
An initiative aims to promote financial awareness by providing education on wealth management and goal planning. It is led by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. The initiative focuses on building relationships and advising clients beyond just transactions.
Client return as on jan17
This document discusses initiatives to promote financial awareness and provides data on returns from different investment options like LIC FD, PPF, EPF, gold, and the Sensex from April 1979 to March 2016. It also shares details on client returns from investments made between April 2005 to November 2006 and between February 2015 to January 2017, showing that the client returns outperformed index returns with lower equity exposure.
Post retirement health insurance expenses
This document discusses health and critical illness insurance premium costs for retirees. It provides an example of yearly premium costs for a floater health insurance policy with a sum assured of 25 lakh for two people and individual critical illness policies with a sum assured of 20 lakh each. The premium costs increase with age, with yearly health insurance premiums ranging from Rs. 75,450 for ages 61-65 up to Rs. 160,684 for ages 76-80 and critical illness premiums ranging from Rs. 312,000 for ages 61-65 up to Rs. 532,000 for ages 71-75. It concludes by asking if the reader knows how much money they will require after retirement.
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealthBiswajit Das. "Relationship Beyond Advising."
The document discusses predictions from Citi Group, PWC, Goldman Sachs, and HSBC that China will have the largest economy in 2050, followed by India and the US. It notes that 200 years ago in 1820, India had the second largest economy in the world after China, while the US economy was only 2% of the world's GDP. In 1700, India's GDP was almost 9 times larger than Britain's GDP, and just before Indian independence in 1947, Britain's GDP became 1.2 times larger than India's GDP.Rising house hold expenses – income not rising
Biswajit Das is a goal planning specialist and holds a diploma in wealth management. He provides advising services to help clients plan for rising household expenses given inflation. Based on assumptions of the client's current age of 25, retirement at 60, and 8% annual inflation, Biswajit estimates that the client would need over 4.4 million rupees to cover household expenses at retirement compared to 300,000 rupees currently. He provides his contact information for clients seeking financial advising beyond standard recommendations.
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creationBiswajit Das. "Relationship Beyond Advising."
Biswajit Das is a goal planning specialist and wealth management professional who provides advising on rebalancing portfolios. Rebalancing periodically adjusts a portfolio to protect gains through effective risk management and achieve financial goals. Das shares insights on rebalancing as the ultimate art and science of wealth creation and promotes financial awareness through education initiatives. Contact information is provided for those seeking advising on portfolio management.Priority banking – Only emotional encashment
Priority banking customers are told they receive special attention, but in reality it is a way for banks to collect large sums of savings at low interest rates. By appealing to customer emotions and sentiment, priority banking provides a cheap source of funds for banks. With advances in technology, fewer customers now visit branches in person.
Money management – Emotion management
An initiative aims to promote financial awareness by emphasizing that people often make emotional, rather than rational, decisions about managing their money. While many believe they can manage their finances without professional help, most individuals actually take emotional decisions about money most of the time. Managing money effectively requires managing emotions as well.
Impulsive buying is dangerous – control it
Biswajit Das is a goal planning specialist who received his diploma in wealth management from IIFP Delhi. He is promoting financial awareness through initiatives on controlling impulsive buying and maintaining relationships beyond advising. His contact information is provided for those seeking advising on wealth management or goal planning.
Gold – not glittering
The gold price crashed internationally three times from 1980 to 1999, falling from $850 per ounce to $252 per ounce. During this period, the Indian rupee weakened six times against the US dollar, causing the Indian gold price to rise three times in rupees from Rs. 1,159 to Rs. 4,474. However, few Indians now understand that gold prices can fall due to increased financial awareness. Indians currently hold around 20,000 tons of gold worth around $1 trillion, but gold is considered a non-productive asset. The myth that gold prices never fall is untrue.
Every goals have time horizon & priority
This document outlines an initiative to promote financial awareness by Biswajit Das, who has a diploma in wealth management from IIFP Delhi and is a goal planning specialist at EDGE Learning Academy. It provides contact information for Biswajit Das including his phone number, email, and links to his LinkedIn, Twitter, and Facebook profiles.
Equity is risky - Not investing in equity is risky
The document promotes financial awareness by debunking the myth that equity markets are always risky. It notes that over the past 37 years, an investment of Rs. 100,000 in the Indian stock market would have grown to Rs. 2,53,42,000, showing the long-term potential of equity investing in India's growing economy despite short-term volatility. Contact information is provided for Biswajit Das, a financial advisor who specializes in wealth management and goal planning.
Equity is risky - Not investing in equity is risky
An initiative aims to promote financial awareness by addressing the myth that equity markets are always risky. The reality is that the Indian equity market has historically generated strong returns that have outpaced inflation rates. Investing in the growing Indian economy through the stock market can yield high returns over the long run.
Emergency fund – Any time required
Biswajit Das is a wealth management specialist who recommends saving at least three months' worth of living expenses in an emergency fund to prepare for unexpected hardships. An emergency fund should be easily accessible but untouched for anything other than true emergencies. Das stresses the importance of financial preparedness through maintaining adequate savings to weather life's unforeseen difficulties.
More from Biswajit Das. "Relationship Beyond Advising." (20)
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 years
Long term wealth creation through equity investment
Long term wealth creation through equity investment
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealth
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creation
Equity is risky - Not investing in equity is risky
Equity is risky - Not investing in equity is risky
Equity is risky - Not investing in equity is risky
Equity is risky - Not investing in equity is risky
Recently uploaded
Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Exploring-Madhya-Pradesh-Culture-Heritage-and-Land-Records.pptx
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
Ending stagnation: How to boost prosperity across Scotland
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?
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
RMIT硕士学位证成绩单【微信95270640】《皇家墨尔本理工大学毕业证书》《QQ微信95270640》学位证书电子版：在线制作皇家墨尔本理工大学毕业证成绩单GPA修改（制作RMIT毕业证成绩单RMIT文凭证书样本）、皇家墨尔本理工大学毕业证书与成绩单样本图片、《RMIT学历证书学位证书》、皇家墨尔本理工大学毕业证案例毕业证书制作軟體、在线制作加拿大硕士学历证书真实可查.
【本科硕士】皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单（GPA修改）；学历认证（教育部认证）；大学Offer录取通知书留信认证使馆认证；雅思语言证书等高仿类证书。
办理流程：
1客户提供办理皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
真实网上可查的证明材料
1教育部学历学位认证留服官网真实存档可查永久存档。
2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单隐形水印阴影底纹钢印LOGO烫金烫银LOGO烫金烫银复合重叠。文字图案浮雕激光镭射紫外荧光温感复印防伪）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更不能乱跑一怕迷路二怕拐子拐人山娃很惊惧去年村里的田鸡就因为跟父亲进城一不小心被人拐跑了至今不见踪影害不
Detailed power point presentation on compound interest and how it is calculated
Detailed information about compund interest
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck maria r mitchell.docx
How to Invest in Cryptocurrency for Beginners: A Complete Guide
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
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.
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
How will new technology fields affect economic trade?
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
一比一原版宾夕法尼亚大学毕业证(UPenn毕业证书)学历如何办理
挂科购买【微信号:176555708】【挂科购买(UPenn毕业证书)】【微信号:176555708】《成绩单、外壳、offer、真实留信官方学历认证（永久存档/真实可查）》采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路）我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信号:176555708】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信号:176555708】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
The Impact of Generative AI and 4th Industrial Revolution
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
欧洲杯投注-欧洲杯投注买球-欧洲杯投注买球网|【网址🎉ac22.net🎉】
【网址🎉ac22.net🎉】欧洲杯投注 Sports 与其他博彩公司相比，其独特之处在于欧洲杯投注 Sports 基于低利润和高营业额的独一无二的体育博彩模式，该模式可以为玩家开出最高的赔率。欧洲杯投注的优势在于中文界面友好，接受人民币投注。他们的开户奖金和实时体育投注界面是大陆玩家的首选。
The Rise and Fall of Ponzi Schemes in America.pptx
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
Recently uploaded (20)
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Exploring-Madhya-Pradesh-Culture-Heritage-and-Land-Records.pptx
Exploring-Madhya-Pradesh-Culture-Heritage-and-Land-Records.pptx
Ending stagnation: How to boost prosperity across Scotland
Ending stagnation: How to boost prosperity across Scotland
Detailed power point presentation on compound interest and how it is calculated
Detailed power point presentation on compound interest and how it is calculated
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...
TEST BANK Principles of cost accounting 17th edition edward j vanderbeck mari...
How to Invest in Cryptocurrency for Beginners: A Complete Guide
How to Invest in Cryptocurrency for Beginners: A Complete Guide
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
OAT_RI_Ep20 WeighingTheRisks_May24_Trade Wars.pptx
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trends
University of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma Transcript
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
The Impact of Generative AI and 4th Industrial Revolution
The Impact of Generative AI and 4th Industrial Revolution
The Rise and Fall of Ponzi Schemes in America.pptx
The Rise and Fall of Ponzi Schemes in America.pptx
Different investment option return
- 1. Different Investment Returns from April 1979 to March 2015 Inflation LIC FD PPF EPF Gold Sensex 7.72% 5% 8.67% 10.21% 10.42% 10.51% 17.46% 5,998 630571 1833359 3002263 3209350 3304462 27957000 Inflated value of 100000 LIC FD PPF EPF Gold Sensex Value of 100000 from April 1979 to March 2015 An initiative to promote Financial Awareness by BISWAJIT DAS Diploma in Wealth Management – IIFP Delhi, Goal Planning Specialist – EDGE Learning Academy Relationship Beyond Advising Call – 9339288488, Mail – dbiswajitifcs@gmail.com https://www.linkedin.com/pub/biswajit-das/1a/504/148 https://twitter.com/dbiswajitifcs https://www.facebook.com/dbiswajit.ifcs Different Investment Option Return