In this presentation we will deal with the “Concept of Investment” and further discuss the purpose, speculation and strategies to be followed while investing.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
This seminar\'s original version became part of the template for Prudential Securities coordinated marketing programs. Participating brokers saw an increase in business that was three times the firm average.
Commercial Equity Partners Ltd believes that in both prosperous and tumultuous economic times, small investors deserve to find investment options that offer superior rates of return and provide stability during unpredictable times. Since 2006, we at CEP have been maximizing investment leverage, thus producing high-yielding returns for our clients.
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Principal Retirement Advisors offers a first-of-its-kind one-stop solution to help you achieve your key financial goals and attain a financially independent and secured retirement. We offer advisory services on a wide range of products including Mutual funds, Fixed-income products, Gold ETFs and insurance for individual investors across all life stages.
This seminar\'s original version became part of the template for Prudential Securities coordinated marketing programs. Participating brokers saw an increase in business that was three times the firm average.
Commercial Equity Partners Ltd believes that in both prosperous and tumultuous economic times, small investors deserve to find investment options that offer superior rates of return and provide stability during unpredictable times. Since 2006, we at CEP have been maximizing investment leverage, thus producing high-yielding returns for our clients.
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Principal Retirement Advisors offers a first-of-its-kind one-stop solution to help you achieve your key financial goals and attain a financially independent and secured retirement. We offer advisory services on a wide range of products including Mutual funds, Fixed-income products, Gold ETFs and insurance for individual investors across all life stages.
Retirement planning is a constantly changing subject. John Friar, AIF, of HJB Financial walks employers through the new landscape of retirement planning.
Gwen Becker, RBC and Allison Maher, Family Wealth Coach lead you through the critical questions to empower you to take ownership of your financial future.
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
To paraphrase Dickens, there’s a lot of controversy today about whether we live in the best of times or worst of times concerning retirement. On the one hand, many Americans generally have some kind of retirement support, if you include Social Security, Medicare, private and public pension plans, and the many types of pre-tax retirement plans, such as IRAs and 401(k)s.
On the other hand, demographic and economic forces are making retirement itself a much bigger challenge, primarily because people live longer now. That means you need to work and save enough today to somehow pay for later without employment — a tall order. And recent market upheavals have demonstrated that you may not be able to rely on the stock market in the short term to pay the bill.
This presentation will introduce you to strategies that could help you to potentially build a bigger nest-egg during your working years, make it last longer in retirement, and even pass on more to your heirs.
Because, after all, retirement should be a time to finally relax, stop worrying and enjoy life. But you can’t escape the daily grind until you are financially independent, which in the end is what retirement is all about. So bottom line, let’s talk about working toward financial independence.
Understanding annuities once and for allKirk Ashburn
Your guide to understanding the fundamentals of annuities, including their pros and cons, in an easy to understand manner so you can make an educated decision. Is guaranteed income for the rest of my life important to me? Is protecting the downside of my investment important to my family? Will I sleep better at night knowing that my investment will not lose value if the market drops tomorrow?
How do investors achieve financial freedom? How do you establish your financial goals? Understand the benefits of diversification and following an asset allocation strategy.
www.Quantumamc.com
Retirement planning is a constantly changing subject. John Friar, AIF, of HJB Financial walks employers through the new landscape of retirement planning.
Gwen Becker, RBC and Allison Maher, Family Wealth Coach lead you through the critical questions to empower you to take ownership of your financial future.
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
To paraphrase Dickens, there’s a lot of controversy today about whether we live in the best of times or worst of times concerning retirement. On the one hand, many Americans generally have some kind of retirement support, if you include Social Security, Medicare, private and public pension plans, and the many types of pre-tax retirement plans, such as IRAs and 401(k)s.
On the other hand, demographic and economic forces are making retirement itself a much bigger challenge, primarily because people live longer now. That means you need to work and save enough today to somehow pay for later without employment — a tall order. And recent market upheavals have demonstrated that you may not be able to rely on the stock market in the short term to pay the bill.
This presentation will introduce you to strategies that could help you to potentially build a bigger nest-egg during your working years, make it last longer in retirement, and even pass on more to your heirs.
Because, after all, retirement should be a time to finally relax, stop worrying and enjoy life. But you can’t escape the daily grind until you are financially independent, which in the end is what retirement is all about. So bottom line, let’s talk about working toward financial independence.
Understanding annuities once and for allKirk Ashburn
Your guide to understanding the fundamentals of annuities, including their pros and cons, in an easy to understand manner so you can make an educated decision. Is guaranteed income for the rest of my life important to me? Is protecting the downside of my investment important to my family? Will I sleep better at night knowing that my investment will not lose value if the market drops tomorrow?
How do investors achieve financial freedom? How do you establish your financial goals? Understand the benefits of diversification and following an asset allocation strategy.
www.Quantumamc.com
Financial Planning is a long term process through which you can achieve your financial goals. We at Financial Hospital bring to you a presentation to help you understand the basics of having a healthy and planned financial future.
The Pandemic taught several lessons to first-time and seasoned investors alike. It reinforced the habit of saving, having a sound financial backup plan for a rainy day and devising a prudent asset allocation strategy. Explore 7 investment lessons that help prepare for the unexpected.
www.Quantumamc.com
This book is published by RBI for Financial Awareness. It's for readers to understand everything about finance from Banking, Loans, Inflation, Investing, Mis-selling etc. Usually all these concepts are not taught in schools and so people make many financial mistakes in life which have long term effects on there wealth and health.
Many graduates and post graduates are ignorant about basic banking knowledge. Share with kids so they become aware of the financial concepts at an early age.
Home Equity Diversification Plan
This long term investment strategy uses the popular 'smith manouver' technique to make your Mortgage interest tax deductible. It uses the power of dollar cost averaging and leveraging to potentially amplify gains over the long term. This strategy is Long-Term and not for the risk adverse.
Success in investing leads to increased wealth and security. Success in investing comes from making sound decisions, paying attention, and taking the time to learn about what t invest in and how to invest. Here are our thoughts about considerations when investing.
https://youtu.be/kZcssfIoQEg
On Wednesday, February 13th we were joined by Jon Kazarian, Director of Business Development at Windham Labs, for a conversation on Portfolio Construction and Evaluation.
Welingkar's Online PGDM Program in Supply Chain Mgmt is designed to understand the levels involved in bringing a manufactured product to the right channel.
WeSchool's Online PGDM Program in E-Commerce Mgmt is designed to combine technology, business, marketing, logistics, etc to prepare you for jobs in ecommerce.
We School's Online PGDM Program in International Business Mgmt covers some of the advanced subjects like International Economics & International Business Environment.
We School's Online MBA Program in IT Projects Mgmt prepares IT, project managers, to provide leadership in planning, executing & directing complex IT projects.
WeSchool's Online PGDM Program in E-Business Mgmt will help students interested in getting into the e-business with expertise in e-commerce & online shopping.
WeSchool's Online PGDM Program in Business Administration extensively covers several topics on marketing, investment, functional administration, sales, etc.
Online PGDM Program in Finance Mgmt Descriptionibes the role of Finance Manager, beneficial for professionals interested in a career in finance-related sectors.
WeSchool offers AICTE approved Diploma in Marketing Management. It is a specialized Management program with focus on marketing as a core business function
WeSchool Offers Online MBA Program in Operations Mgmt. Production planning, project management & world-class manufacturing are among the critical concepts.
Gain a better understanding of the various industry functions, business trends and industry regulations in the travel and tourism industry to emerge as a powerful team leader.
Visit our Websites: https://www.welingkaronline.org/
In today's increasingly competitive business environment, organizations are engaged in a rat race to retain customers, build up clientele and simultaneously ensure steady growth. Unfortunately, they often get caught in a web of issues which may not be easily controlled and affect performance. Here comes the play of Financial Accounting. Professional accountants have a vital role in commercial success by using their valuable knowledge to provide their organizations/clients a competitive advantage and an accurate picture of their financial position and performance.
British Aerospace Asset Management Case study will tech you how important is asset management for your business. lern from the experts about the Asset management.
Mc donalds Recruitment Case Study will explain you each and every thing about the Recruitment. hiring a right person at your workplace will be one of the best part of your business management. learn how to hire or recruit perfect person in your company with this case study of Mc donalds Recruitment.
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The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
A Strategic Approach: GenAI in EducationPeter Windle
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This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Francesca Gottschalk - How can education support child empowerment.pptxEduSkills OECD
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Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
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Chapter 3 - Islamic Banking Products and Services.pptx
Investment Management 2
1. Part 01 Introduction
Structure
Chapter 01 Introduction
Chapter 02 The Investment Decision
Chapter 03 The Mathematics of Interest
2. 01 Introduction
Learning Objective
♥ Introduce the concept of investment,
discuss the formulation of a strategy and
need to achieve your aim.
Structure
1.1 Purpose of Investment
1.2 Speculation
1.3 Strategy
1.4 Setting Objectives
1.5 Achieving Goals
3. 01 Introduction
Purpose of Investment
“Enable you to realize your needs, your
requirement through saving and investing
your money.”
It requires
use of your skills,
knowledge,
analytical intelligence.
The rewards are great.
4. 01 Introduction
Speculation
♣ Is just a flash. It may provide quick
results. But they are not permanent.
Downslide can destroy family, home and
lives.
Successful investment requires
investment plan,
investment objectives.
Rate of return from investment has to be
more than the rate of inflation.
5. 01 Introduction
Speculation
☻ To achieve investment objectives the
investment plan be devised to take care of
1] nature of your needs,
2] the period within which funds to be
accumulated,
3] the rate at which savings grow and
4] amount that can be regularly saved &
invested.
6. 01 Introduction
Strategy
Now that you know what your objectives
are and the time within which you must
realize it, you must devise a strategy.
The strategy must be well thought out,
clear and coherent and must make provisions
for unanticipated letdowns.
Nothing be left to the chance. All
great entrepreneurs and managers are
strategists first.
7. 01 Introduction
Setting Objectives
☻ It is important to know objectives;
which should be achievable and possible.
Achieving Goals
Review your investments regularly. Look for
new opportunities. Collect data, analyze it
and add profitable investments and get rid
of those with returns below your
expectations.
8. 02 The Investment Decision
Learning Objectives
♣ To explain the investment decision.
Structure
2.1 Determinants of the Investment Decision
2.2 How the Decision Should be Arrived at?
9. 02 The Investment Decision
Determinants of the Investment Decision
☺ Basic criteria for investment decision
are Safety, Liquidity & Returns.
Safety
There should be growth, and no erosion, in
the value of the capital invested. Riskier
the investment greater the possibility of
loss.
Public sector bonds or deposits with the
nationalized banks offer safety.
10. 02 The Investment Decision
Liquidity
Investments should be capable of
converting into cash with speed. Lack of
liquidity in investments immobilizes
investors’ funds.
Fixed deposits or NSCs freeze money for a
period of time while shares can be converted
into money in a couple of days.
Returns
How much income will the investment
yield? On this is based each investment
decision. For a given degree of safety,
investor seeks to maximize his returns.
11. 02 The Investment Decision
How the Decision Should be Arrived at?
The investment decision must be
based on the ability of an individual
to take risk and thus bear a loss or on
whether a steady dependable {though
small in comparison} income is the
priority.
12. 02 The Investment Decision
How the Decision Should be Arrived at?
Investments – Risks & Returns Table
Risk Investment Return
No real SB Accounts 3½%
Rural Bonds
Govt. Securities 8%
NSC 8%
Bank FD variable
PPF 8%
Real Estate 30%
not liquid
13. 02 The Investment Decision
How the Decision Should be Arrived at?
Investments – Risks & Returns Table
Risk Investment Return
Practically Debentures
No Bonds
Issued by
good, well
reputed
blue chip 8 to 18%
& public
sector companies
14. 02 The Investment Decision
How the Decision Should be Arrived at?
Investments – Risks & Returns Table
Risk Investment Return
A little Debentures
issued by
other than
blue chip 10 to 15%
public
limited companies
15. 02 The Investment Decision
How the Decision Should be Arrived at?
Investments – Risks & Returns Table
Risk Investment Return
fairly equity shares
risky of blue chip around 20%
companies
16. 02 The Investment Decision
How the Decision Should be Arrived at?
Investments – Risks & Returns Table
Risk Investment Return
risky equity shares around 25%
of other companies
very risky equity shares of > 35%
untried companies
Safe gold, silver & art not
quantifiable
17. 02 The Investment Decision
How the Decision Should be Arrived at?
Risk appetite :
Young adults, in 20s, with no
dependents but low investable surplus pursue
growth aggressively as risk taking ability
is high.
Young family, in 30s, with young
children start investing seriously and
continue aggressive wealth creation.
Mature family , in 40s, with school /
college going children pursue low risk safer
investments.
18. 02 The Investment Decision
How the Decision Should be Arrived at?
Risk appetite :
Empty nesters, in 50s, with independent
children, divert new surplus to build
retirement corpus & keep reducing portfolio
risk.
Retirees, in 60s, with no surplus for
investment, create regular cash flows from
safe investments. Beating the inflation is
the main concern.
19. 03 The Mathematics of Interest
Learning Objective
☻☻ Understand mathematics of interest.
Structure
3.1 What is interest?
3.2 Real rate of Interest
3.3 Inflation and Risk Premium
3.4 Default Risk & Interest Rate Risk
3.5 Simple & Compound Interest
3.6 Present Value
3.7 Future Value
20. 03 The Mathematics of Interest
What is Interest?
♥ Banks pay interest on deposits they
collect from the public and charge interest
on loans that they disburse. The interest
charged is more than that paid so that
earning is there for the banker.
♥ Interest is defined as “ the
compensation paid by the borrower of
capital to the lender, for permitting him
to use his funds”.
Interest rates are determined by the demand
& supply of capital.
21. 03 The Mathematics of Interest
Real Rate of Interest
The key determinant of interest is the pure
rate or the real rate of interest.
The real rate of interest is that would
prevail [ in absence of inflation] on a risk
less Government Security.
Real Interest Rate can also be defined as
the rate as measured by our ability to buy
goods and services.
22. 03 The Mathematics of Interest
Inflation and Risk Premium
♥ In the real world, however, inflation
exists. Hence the money rate of interest we
earn has to be modified by rate of
inflation to arrive at the pure rate.
♥ If ruling inflation is at 5%, the
money rate of 12% would reflect the real
rate of interest of 7% only.
♥ To ensure that real rate of income is
always maintained investor includes risk
premium in expected income to take care of
difference between actual & expected rate
of inflation.
23. 03 The Mathematics of Interest
Default Risk & Interest Rate Risk
The rate of interest is based on risk.
Interest you earn on bank deposit is lower
than that on company deposit as
possibility of bank failing to repay is
also low. Interest charged on loans is
higher as risk of non repayment is also
higher. This is default risk.
Bank may pay 8% interest on a deposit of
two years, but only 7.5% on deposit for
five years. Lower interest on longer term
deposit is due to bank’s belief that there
is a risk that rates would fall in future.
24. 03 The Mathematics of Interest
Simple & Compound Interest
If bank pays you simple interest of
10% on your deposit of Rs. 10,000/- for
five years, you earn Rs.1,000/- each year.
And on maturity you would receive a cheque
for Rs. 15,000/-
But if the deposit was at compound
interest, you earn interest on accumulated
interest [not paid to you]. Thus in the
second year you earn interest of Rs.
1,100/- on Rs. 11,000/- and Rs. 1,210/- in
the third year. On maturity you get Rs.
16,105/-.
25. 03 The Mathematics of Interest
Present Value
There is time value to money earned
today than a year hence.
Thus if you were to earn Rs. 110/-
one year from now, [assuming 10% interest]
its value today is only Rs. 100/-
This is the principle used in
discounting bills and other amounts due at
a future date.
26. 03 The Mathematics of Interest
Future Value
◙ A corollary is what would be the
future value of the present amount say
after five years.
◙ Thus if you want to earn Rs 16,105/-
after five years [assuming 10% interest],
you need to place Rs. 10,000/- with the
bank today.
◙ Annuity is a series of identical
payments made at equally spaced intervals.
Principal & interest payable each year is
calculated to determine annuity.
27. 03 The Mathematics of Interest
The End!
Next Part 02, Interest bearing
investments - section 01”
Good Luck!
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