- The document discusses the volatility in the Indian stock market during May 2022 due to rising global interest rates and inflation. This led to foreign investors pulling out money from emerging markets like India.
- It recommends the "invest or ignore" strategy of continuing systematic investment in equity mutual funds during market downturns to benefit from lower unit prices. Investing in quality funds and ignoring short-term volatility is advised.
- An example story is provided of an investor who achieved his retirement target through disciplined SIP investments over 15 years, accumulating over twice his original target.
Best Mantra during fluctuating market!
In this issue we'll be sharing some investment mantra to manage your emotions of fear during such volatile market. The best one is "Invest or Ignore"
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
Best Mantra during fluctuating market!
In this issue we'll be sharing some investment mantra to manage your emotions of fear during such volatile market. The best one is "Invest or Ignore"
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
In the Current Scenario of COVID Crisis, this newsletter issue is quite important for our readers.
In this issue, we have covered their key concern related to market's reaction on rising number of COVID cases. We have also added a featured article on 'Volatility Management'
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 !!
A monthly Newsletter to manage your personal finance & aim to give a detailed outlook about Mutual funds, other investment options, and Market via INVESTMENT MANTRA.
In the Current Scenario of COVID Crisis, this newsletter issue is quite important for our readers.
In this issue, we have covered their key concern related to market's reaction on rising number of COVID cases. We have also added a featured article on 'Volatility Management'
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 !!
A monthly Newsletter to manage your personal finance & aim to give a detailed outlook about Mutual funds, other investment options, and Market via INVESTMENT MANTRA.
Similar to DoublePlus_Finserve_Newsletter_May22.pdf (20)
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
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.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
1. World over economies shown their concern on
inflation, due to which they all raised interest rates,
like India, US, UK etc. Consequently lot of FIIs and FPi's
pulled out their money from India or emerging
economies, due to attractive bonds rates and
financial papers in US.
Money markets are betting the Fed will raise rates
as high as 3.6% by end-2023 to tame inflation at 40-
year highs. Having kicked off its hiking cycle in
March, the Fed is seen delivering a 50 bps move on
Wednesday, with two more half-point hikes priced
for the next two meetings.
In this issue we'll be sharing some investment
mantra to manage your emotions of fear during
such volatile market. The best one is "Invest or
Ignore"
Read more inside.
Best Mantra
during fluctuating market -
Invest or Ignore
May was a volatile month for Indian
Equity Market.....
What's inside
this issue:
01 Trending Mutual
Fund Themes
02 Investment Gyan
03 Inspiring
Investment Story
Page 01 WWW.DOUBLEPLUS.IN
Month ending May, 2022
2. By around mid of the month, both Nifty & Sensex touched its 1
Year low mark. This created a sudden panic button across the
investing community and a bearish trend line appeared on
the chart.
While some kept drilling the reason for fall and some already
got into selling spree in view of fear, the smart investors stick
to our proven success mantra – “Invest in right product & sit
tight till your investment tenure”. Most of these SMART
investors follow the ‘I I’ strategy (Invest or Ignore) during such
phase of fall in the market ! ‘Invest or Ignore’ is the best This
best Wealth creator strategy for all type of investors, to beat
your emotions of fear during bearish market.
As far as month is concerned, it was all driven by change in
interest rates across the world. After a long interval, global
economy found itself in the grip of inflation and hence all
major economy took the step to increase interest rate !
Almost all major economy of the world, including India,
increased their interest rates and gave signal to take it further
upwards, if required.
As a result, the US dollar and US Financial papers became
more attractive as compared to any other emerging
economy. Consequently there were sudden outflow of FIIs and
FPIs money flowing outside India and emerging economies.
Dollar became strong and overall panic gripped our equity
market.
Experts believe that this is just a change of environment,
hence market will take time to adjust with it. One should not
worry about it too much and continue to allocate their
investments in Indian Equity Market and Indian Equity Mutual
Funds.
Read more about this in our ‘Investment Gyan’ section.
“
Month of May in 2022, was a volatile month for
Indian stock market !
Invest in right
product & sit
tight till your
investment
tenure
“
Bhavesh Madhukant Shah
Page 02
Proprietor
Doubleplus Finserve
WWW.DOUBLEPLUS.IN
3. For seamless, one click investment link Just call us at
+91-98401-13137
Trending MF Scheme
Page 03
CHAPTER #01
Since we are following investment mantra of "Invest or Ignore", We need to identify the schemes which
could be bought during such volatile environment. In this issue we are trying to identify the equity funds
which is providing maximum discount in terms of NAVs / Unit Price.
There are two ways to look at the above table -
1- Negative way : Keep away from these funds as they are falling.
2- Positive way : Buy more units of these funds to bring down the cost average of your holding.
We prefer to think the positive way and motivate our investors to gather more and more units of the funds
which they are holding by way of lumsum or SIP.
From the basic moment of the equity market, It appears that the Indian market is posing strong as
compare to their pears across Asia. Government has taken various inflation control measures, which
were appreciated across globe.
Hence investors are still bullish about India. Experts believe that rising dollar and rising crude price may be
the temporary concern for Indian equity market but we are placed much better in various other context.
So they advice to ignore any temporary fall, rather invest at every dip.
Small, Mid & Large Cap Equity Funds Large / Focused Equity Funds
WWW.DOUBLEPLUS.IN
4. For seamless, one click investment link
Just call us at : +91-98401-13137
CHAPTER #02
“Widespread fear is your friend as an investor because it serves
up bargain purchases.”
“Whether we’re talking about socks or stocks, I like buying
quality merchandise when it is marked down.”
“The best thing that happens to us is when a great company
gets into temporary trouble…We want to buy them when they’re
on the operating table.”
“Most people get interested in stocks when everyone else is.
The time to get interested is when no one else is. You can’t buy
what is popular and do well.”
“The most common cause of low prices is pessimism—
sometimes pervasive, sometimes specific to a company or
industry. We want to do business in such an environment, not
because we like pessimism but because we like the prices it
produces. It’s optimism that is the enemy of the rational buyer.”
Investment Gyan
Page 04
There are some Warren Buffett quotes relate to being fearful when stocks
drop. Yet, Buffett sees it as an opportunity. Here’s a brief look into how to
buy wonderful companies on sale.
As Warren Buffett says,
"When Prices Fall, You Will Buy"
Here comes the important investment mantra - Invest or Ignore the falling phase of market. However
you can only do so if you have invested in right product i.e. you are sure about the quality of your portfolio
Hence equity mutual funds are the best products to follow the mantra of Invest on Dip, We have already
shared some list of trending equity mutual fund schemes in the table (on page #3) for your reference.
I assume it will help you in terms of taking better investment decisions and capture the best possible
bargain in this volatile market.
Mind it! SIP (Systematic Investment Plan) should not be stopped or canceled at this juncture as it will
hurt your cost averaging opportunity.
DISCLAIMER : MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY
WWW.DOUBLEPLUS.IN
8. Page 08
CHAPTER #04
Inspiring
Investment
Story
Of Mr. Joseph Martin
This is yet another story of a disciplined investor
who aimed for a happy and early retirement.
Mr. Joseph Martin at the age of 35 only planned to
retire at the age of 50. He had one point agenda to
accumulate enough fund under his retirement kitty,
which could feed him easily at his current standard
of living.
After meeting us and evaluating all the possible
calculations, he finalised about a retirement kitty
target of around Rs. 1.25 Cr. by his age of 50 Yrs.
So technically, he aimed at accumulating Rs. 1.25
Cr. in 15 years. Which could fetch him close to Rs.
65,000 per month (annuity). The rate of annuity
was assumed by Mr. Joseph on the basis of
prevailing governments rates of around Rs. 625
per lac.
Today when Joseph has reached the age of 49 yrs.
(1 Year left in his retirement), his fund value is
almost close to Rs. 2 Cr. - much ahead than his
target value.
This inspiring story has to content of take away for
every reader -
1- SIP (Systematic Investment Plan) was the key
to this success.
2- The disciplined approach and perfect planning
played a very important role in his investment
journey.
Please see the table below for the actual current
result of the SIPs (Systematic Investment Plan)
started by Mr. Joseph in 2008. A disciplined
investment of Rs. 25,000 per month is now ready to
keep him back - Rs. 65,000 per month! that is
called FINANCIAL FREEDOM.
Hence, we always say SIP Zaroori Hai
Disclaimer : The Schemes and their result shown on the table above are the real values; however, this article is not an
endorsement or advice for investing in these schemes, directly or indirectly. This is in no ways a recommendation for any scheme
and also, there is no guarantee that similar performance will be repeated in future also. Investor should choose the SIP schemes
after evaluating their risk suitability or investment targets.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully
WWW.DOUBLEPLUS.IN
9. 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.
Note : We are an AMFI registered Mutual Fund Distributors. We work closely with our customers to help them achieve their Financial
dreams by way of savings motivation, correct estimations and quick investment execution. We help you select the SIP according to your
risk profile and investment tenure.
Call : +91-98401-13137 | Visit : www.doubleplus.in
Email : bhavesh@doubleplus.in
Address : #29, Rattan Bazaar, Kumbhat Complex,
4th floor, Chennai - 600003, Tamilnadu
Page 09
We provide complete support
to you in terms of fulfilling all
your investment objectives or
financial plans, by way of
motivation - correct
calculations and more ! Just
call and Fix a formal
discussion session with us -
we are here to help you.
Mind it !
#SIPZarooriHai
WWW.DOUBLEPLUS.IN