Investment options vary as per needs and income. There are various options and one has to choose the correct options to get the best returns and protect the capital. This articles discusses the positives and negatives of various options.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
Financial planning
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ... SEBI
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
This document discusses various investment avenues available in India. It outlines essential features of investments such as safety, liquidity, income, growth, legality and tax implications. Some key investment alternatives mentioned include bank deposits, post office schemes, company fixed deposits, public provident fund, equity shares, bonds, money market instruments, financial derivatives, mutual funds, life insurance and real estate. The document provides brief descriptions of these different investment types.
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
Mutual funds pool money from investors and invest it in stocks, bonds, and other securities. The money earned through investments and any capital appreciation is shared by unit holders proportionate to how many units they own. The document discusses the history of mutual funds in India from 1964 to present. It describes open-ended and closed-ended funds, as well as growth, income, balanced, and money market funds. The advantages of mutual funds include diversification, professional management, convenience, and tax benefits, while the disadvantages include costs and lack of control. Systematic investment plans allow regular investing of small amounts to achieve long-term goals through rupee cost averaging and the power of compounding.
Retirement Planning is the process of determining and accumulating the retirement corpus one would require to live a comfortable life after the paid work life ends.
The ultimate goal of retirement planning is to achieve financial independence.
Objectives-
To cover medical expenses and be prepared for medical emergencies.
To create regular income sources after retirement.
To deal with any kind of uncertainities.
As the Indian economy will mature, the interest rate and stock market return will continue to moderate resulting in lower return from investment.
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This document provides an overview of debt mutual funds. It defines debt mutual funds as funds that invest in debt instruments issued by governments, banks, and corporations to generate regular income for investors. It describes the different types of debt mutual funds such as gilt funds, income funds, and short-term plans. It also outlines the risks associated with debt mutual funds, namely credit risk and interest rate risk, and compares the tax treatment and returns of debt mutual funds versus fixed deposits.
Investors attitude towards Mutual fund (Questionnaire)Naren Kumar
This document contains a survey asking for a person's name, age, occupation, investment plans and preferences, risk tolerance, investment goals, preferred fund houses, expected returns, preferred places to invest, important investment factors, intended use of investment income, and satisfaction with current investment options. It asks multiple choice and open-ended questions to evaluate a person's financial situation and preferences in order to make appropriate investment recommendations.
This document provides an overview of financial planning, including what it is, its objectives, why it is needed, and the benefits it can provide. Financial planning is a process that identifies an individual's financial needs and goals over time and ensures they have the necessary funds available when needed. It involves savings and investment planning, asset allocation, insurance, taxes, retirement, and estate planning. The benefits of financial planning include having money available for needs and emergencies, maintaining one's standard of living in retirement, tax efficiency, funding education and marriage, and peace of mind.
Financial planning
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ... SEBI
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
Financial Planning: Updates on Financial Planning, Tips to manage money. Know about importance of Financial Planning, rules of financial planning, ...
This document discusses various investment avenues available in India. It outlines essential features of investments such as safety, liquidity, income, growth, legality and tax implications. Some key investment alternatives mentioned include bank deposits, post office schemes, company fixed deposits, public provident fund, equity shares, bonds, money market instruments, financial derivatives, mutual funds, life insurance and real estate. The document provides brief descriptions of these different investment types.
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
Mutual funds pool money from investors and invest it in stocks, bonds, and other securities. The money earned through investments and any capital appreciation is shared by unit holders proportionate to how many units they own. The document discusses the history of mutual funds in India from 1964 to present. It describes open-ended and closed-ended funds, as well as growth, income, balanced, and money market funds. The advantages of mutual funds include diversification, professional management, convenience, and tax benefits, while the disadvantages include costs and lack of control. Systematic investment plans allow regular investing of small amounts to achieve long-term goals through rupee cost averaging and the power of compounding.
Retirement Planning is the process of determining and accumulating the retirement corpus one would require to live a comfortable life after the paid work life ends.
The ultimate goal of retirement planning is to achieve financial independence.
Objectives-
To cover medical expenses and be prepared for medical emergencies.
To create regular income sources after retirement.
To deal with any kind of uncertainities.
As the Indian economy will mature, the interest rate and stock market return will continue to moderate resulting in lower return from investment.
Thank You For Watching
Subscribe to DevTech Finance
This document provides an overview of debt mutual funds. It defines debt mutual funds as funds that invest in debt instruments issued by governments, banks, and corporations to generate regular income for investors. It describes the different types of debt mutual funds such as gilt funds, income funds, and short-term plans. It also outlines the risks associated with debt mutual funds, namely credit risk and interest rate risk, and compares the tax treatment and returns of debt mutual funds versus fixed deposits.
Investors attitude towards Mutual fund (Questionnaire)Naren Kumar
This document contains a survey asking for a person's name, age, occupation, investment plans and preferences, risk tolerance, investment goals, preferred fund houses, expected returns, preferred places to invest, important investment factors, intended use of investment income, and satisfaction with current investment options. It asks multiple choice and open-ended questions to evaluate a person's financial situation and preferences in order to make appropriate investment recommendations.
Hi, here is the presentation that shows how you can make more money from a Debt Mutual Fund over a conventional Fixed Deposit. Invest your 5-10 minutes and you could make thousands of bucks! Make your money more productive!
20-Feb-2016: Updated as per changed tax rules; more useful content added, less useful deleted.
This document provides an overview of mutual funds, including their concept, types, advantages, organization, investment strategies, and growth in India. It discusses key mutual fund topics such as open-ended and closed-ended schemes, growth, income, balanced, and money market funds. The document also summarizes the history and growth of the mutual fund industry in India, from its beginnings in 1964 to recent growth and future prospects, with the industry expected to reach $800 billion by 2022 based on past growth rates.
This document discusses the benefits of systematic investment plans (SIPs) for achieving financial goals like retirement, children's education, and family commitments. SIPs allow investors to invest small monthly amounts that benefit from the power of compounding over the long term. Equity investments through SIPs are ideal for meeting long-term goals since equities have historically offered higher returns than other asset classes. Regular investing through SIPs also reduces market timing risk. The document provides examples of the monthly investments needed through SIPs to achieve common financial goals like retirement and children's education to demonstrate how SIPs can help investors achieve their goals.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
This document discusses different types of mutual funds. It begins with an introduction to mutual funds, explaining that they allow investors to pool money for investment in a basket of assets managed by professionals at low cost. The document then outlines the main types of mutual funds:
On the basis of lock-in period, funds are either open-ended, allowing entry and exit at any time, or closed-ended, with a minimum three-year lock-in.
Based on investment, the main types are equity funds (investing in stocks), ELSS funds (for tax benefits), debt funds, balanced funds (mixing equity and debt), and sectoral funds (focusing on a single industry). Equity funds include large
Descriptions and explanation of all types of derivative instruments to trade with on the capital market.
http://www.koffeefinancial.com/Static/Learn.aspx
This document provides information about mutual funds including their structure, types, history in India, advantages and disadvantages. It discusses that a mutual fund is a trust that collects money from investors and invests in stocks, bonds, money market instruments and other securities. The document outlines the key entities involved in mutual funds like sponsors, trustees, asset management companies, custodians and various distribution channels. It also summarizes the different types of mutual fund schemes and provides a brief history of mutual funds in India from 1964 to the present.
Financial planning involves making funds available from current resources to meet future needs. It encompasses risk, estate, tax, investment, retirement, and savings (RETIReS). Financial planning aims to maximize returns while maintaining liquidity and safety of funds. It cannot prevent unforeseen circumstances but can provide financial support. Financial planning needs vary throughout one's lifecycle from being a learner, earner, partner, parent, provider, and retiree. At each stage, different financial priorities and needs exist. Life insurance can be an integrated part of financial planning by helping to create, protect, and accumulate assets at different life stages. The basic objective of financial planning is to allow a comfortable retirement without compromising lifestyle.
The document discusses the derivative market in India and risk management in banks. It defines derivatives and their various types like futures, options, and swaps. It explains how derivatives help banks manage risks like credit risk, interest rate risk, and liquidity risk. The history of derivatives trading in India is also summarized dating back to 1875. Key players in the market like hedgers, speculators, and arbitrageurs are identified along with their roles.
This document discusses equity linked saving schemes (ELSS) in India. It explains that ELSS are mutual funds that allow investors to save tax by investing predominantly in equities and equity-related instruments. ELSS provide equity returns, tax benefits under Section 80C, and have a mandatory lock-in period of 3 years. While they carry higher risk than other investments due to their equity focus and lock-in period, ELSS can help grow money and maximize tax savings for investors. The document compares ELSS to other investment options and provides tips for choosing top-performing ELSS funds.
This PPT is on creating personal financial plan. Also ideas on creating wealth and also various avenues of investments. This ppt is based on investment options available in India
Hi Friends,This presentation provides the details about the pension plan and its benefit.You can know now that why pension plan is important for life and in old age.For more details visit here :- www.thepolicykart.com..also you can check cons and pros of this plan also,because many companies provide pension plan,but the executive didn't provide the proper details to them.
This document provides an overview of commodity derivatives, including definitions of commodities, derivatives, and commodity derivatives. It explains that commodity derivatives allow farmers and businesses to hedge risks from fluctuating commodity prices by entering future or option contracts to lock in sale prices. Examples are provided of a farmer using futures to guarantee the price received for a future wheat crop and options to guarantee a minimum selling price. The role of commodity derivatives in price risk management is discussed.
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
Derivatives are financial instruments whose value is dependent on an underlying asset. The three main types of derivatives are forwards, futures, and options. Forwards and futures are contracts to buy or sell an asset at a future date at a predetermined price, while options provide the right but not obligation to buy or sell an asset at a strike price. Derivatives allow traders to hedge risk, reduce transaction costs, manage portfolios, and enhance liquidity in markets.
The document provides an overview of the Indian financial system. It discusses that the financial system includes financial intermediaries like banks, mutual funds, and insurance companies; financial markets like money markets, capital markets, and derivatives markets; and financial assets/instruments like equity, debt, and indirect securities. The financial system mobilizes savings from households and channels them to corporations and governments through these various institutions and markets, in order to facilitate capital formation and meet short and long-term financing needs.
Fixed deposits allow investors to deposit money in a bank for a fixed duration and earn interest. FD terms can range from a few weeks to over 5 years. Interest rates vary depending on deposit amount and term. To open an FD, one needs valid ID/address proofs and can deposit cash or transfer funds from their bank account. FD offers higher interest than savings accounts with lower risk than stocks. However, funds cannot be withdrawn before maturity and interest rates may not keep pace with inflation. Premature withdrawals are allowed but penalized with lower interest rates. FD interest is taxed according to the deposit holder's tax bracket. Senior citizens and those with lump sums are common FD investors.
Factors affecting call and put option priceskingsly nelson
The document outlines 6 primary factors that affect call and put option prices: 1) the underlying price, 2) expected volatility, 3) strike price, 4) time until expiration, 5) interest rates, and 6) dividends. Option prices increase or decrease based on whether the underlying price, expected volatility, time until expiration, and interest rates increase or decrease. Option prices also increase if the strike price is further in or out of the money and if dividends rise or fall.
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
A 82 years old man with hemispheric stroke: decisions in a complex casePelouze Guy-André
Stroke is a major challenge to our healthcare systems because it demands fast decisions involving several specialists. Emergency imaging and interventional neurology transformed the prognosis of stroke.
Center for Brain and Spine Chennai provides effective treatment for Blood Clot problems in brain. They also provides treatment for all kinds of brain and spine problems. To know more visit us @ http://www.chennaibrainandspine.com/
Hi, here is the presentation that shows how you can make more money from a Debt Mutual Fund over a conventional Fixed Deposit. Invest your 5-10 minutes and you could make thousands of bucks! Make your money more productive!
20-Feb-2016: Updated as per changed tax rules; more useful content added, less useful deleted.
This document provides an overview of mutual funds, including their concept, types, advantages, organization, investment strategies, and growth in India. It discusses key mutual fund topics such as open-ended and closed-ended schemes, growth, income, balanced, and money market funds. The document also summarizes the history and growth of the mutual fund industry in India, from its beginnings in 1964 to recent growth and future prospects, with the industry expected to reach $800 billion by 2022 based on past growth rates.
This document discusses the benefits of systematic investment plans (SIPs) for achieving financial goals like retirement, children's education, and family commitments. SIPs allow investors to invest small monthly amounts that benefit from the power of compounding over the long term. Equity investments through SIPs are ideal for meeting long-term goals since equities have historically offered higher returns than other asset classes. Regular investing through SIPs also reduces market timing risk. The document provides examples of the monthly investments needed through SIPs to achieve common financial goals like retirement and children's education to demonstrate how SIPs can help investors achieve their goals.
This document is an attempt to create financial literacy among salaried professionals who have begun their professional career. The intent of the document is to emphasize financial planning and create awareness about various asset classes. The sample financial plan is also available in excel format for you to experiment your financial needs. If your are interested in the excel based plan, please send an email to me.
Should you need any clarification/help, just send an email.
Happy learning!
This document discusses different types of mutual funds. It begins with an introduction to mutual funds, explaining that they allow investors to pool money for investment in a basket of assets managed by professionals at low cost. The document then outlines the main types of mutual funds:
On the basis of lock-in period, funds are either open-ended, allowing entry and exit at any time, or closed-ended, with a minimum three-year lock-in.
Based on investment, the main types are equity funds (investing in stocks), ELSS funds (for tax benefits), debt funds, balanced funds (mixing equity and debt), and sectoral funds (focusing on a single industry). Equity funds include large
Descriptions and explanation of all types of derivative instruments to trade with on the capital market.
http://www.koffeefinancial.com/Static/Learn.aspx
This document provides information about mutual funds including their structure, types, history in India, advantages and disadvantages. It discusses that a mutual fund is a trust that collects money from investors and invests in stocks, bonds, money market instruments and other securities. The document outlines the key entities involved in mutual funds like sponsors, trustees, asset management companies, custodians and various distribution channels. It also summarizes the different types of mutual fund schemes and provides a brief history of mutual funds in India from 1964 to the present.
Financial planning involves making funds available from current resources to meet future needs. It encompasses risk, estate, tax, investment, retirement, and savings (RETIReS). Financial planning aims to maximize returns while maintaining liquidity and safety of funds. It cannot prevent unforeseen circumstances but can provide financial support. Financial planning needs vary throughout one's lifecycle from being a learner, earner, partner, parent, provider, and retiree. At each stage, different financial priorities and needs exist. Life insurance can be an integrated part of financial planning by helping to create, protect, and accumulate assets at different life stages. The basic objective of financial planning is to allow a comfortable retirement without compromising lifestyle.
The document discusses the derivative market in India and risk management in banks. It defines derivatives and their various types like futures, options, and swaps. It explains how derivatives help banks manage risks like credit risk, interest rate risk, and liquidity risk. The history of derivatives trading in India is also summarized dating back to 1875. Key players in the market like hedgers, speculators, and arbitrageurs are identified along with their roles.
This document discusses equity linked saving schemes (ELSS) in India. It explains that ELSS are mutual funds that allow investors to save tax by investing predominantly in equities and equity-related instruments. ELSS provide equity returns, tax benefits under Section 80C, and have a mandatory lock-in period of 3 years. While they carry higher risk than other investments due to their equity focus and lock-in period, ELSS can help grow money and maximize tax savings for investors. The document compares ELSS to other investment options and provides tips for choosing top-performing ELSS funds.
This PPT is on creating personal financial plan. Also ideas on creating wealth and also various avenues of investments. This ppt is based on investment options available in India
Hi Friends,This presentation provides the details about the pension plan and its benefit.You can know now that why pension plan is important for life and in old age.For more details visit here :- www.thepolicykart.com..also you can check cons and pros of this plan also,because many companies provide pension plan,but the executive didn't provide the proper details to them.
This document provides an overview of commodity derivatives, including definitions of commodities, derivatives, and commodity derivatives. It explains that commodity derivatives allow farmers and businesses to hedge risks from fluctuating commodity prices by entering future or option contracts to lock in sale prices. Examples are provided of a farmer using futures to guarantee the price received for a future wheat crop and options to guarantee a minimum selling price. The role of commodity derivatives in price risk management is discussed.
Financial planning is for everyone. If you're like most people, financial planning might seem very complicated and confusing, and you might not know where to start. However, here are some ideas to help you get started.
Derivatives are financial instruments whose value is dependent on an underlying asset. The three main types of derivatives are forwards, futures, and options. Forwards and futures are contracts to buy or sell an asset at a future date at a predetermined price, while options provide the right but not obligation to buy or sell an asset at a strike price. Derivatives allow traders to hedge risk, reduce transaction costs, manage portfolios, and enhance liquidity in markets.
The document provides an overview of the Indian financial system. It discusses that the financial system includes financial intermediaries like banks, mutual funds, and insurance companies; financial markets like money markets, capital markets, and derivatives markets; and financial assets/instruments like equity, debt, and indirect securities. The financial system mobilizes savings from households and channels them to corporations and governments through these various institutions and markets, in order to facilitate capital formation and meet short and long-term financing needs.
Fixed deposits allow investors to deposit money in a bank for a fixed duration and earn interest. FD terms can range from a few weeks to over 5 years. Interest rates vary depending on deposit amount and term. To open an FD, one needs valid ID/address proofs and can deposit cash or transfer funds from their bank account. FD offers higher interest than savings accounts with lower risk than stocks. However, funds cannot be withdrawn before maturity and interest rates may not keep pace with inflation. Premature withdrawals are allowed but penalized with lower interest rates. FD interest is taxed according to the deposit holder's tax bracket. Senior citizens and those with lump sums are common FD investors.
Factors affecting call and put option priceskingsly nelson
The document outlines 6 primary factors that affect call and put option prices: 1) the underlying price, 2) expected volatility, 3) strike price, 4) time until expiration, 5) interest rates, and 6) dividends. Option prices increase or decrease based on whether the underlying price, expected volatility, time until expiration, and interest rates increase or decrease. Option prices also increase if the strike price is further in or out of the money and if dividends rise or fall.
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
A 82 years old man with hemispheric stroke: decisions in a complex casePelouze Guy-André
Stroke is a major challenge to our healthcare systems because it demands fast decisions involving several specialists. Emergency imaging and interventional neurology transformed the prognosis of stroke.
Center for Brain and Spine Chennai provides effective treatment for Blood Clot problems in brain. They also provides treatment for all kinds of brain and spine problems. To know more visit us @ http://www.chennaibrainandspine.com/
This document discusses several genetic stroke syndromes and their characteristics. It covers disorders such as Fabry disease, sickle cell disease, CADASIL, MELAS, moyamoya disease, and homocystinuria. For each syndrome, it describes the clinical presentation, genetic causes, diagnostic criteria including relevant imaging findings, and treatment options when available. The document provides an overview of monogenic disorders that can present with stroke at a young age and their distinguishing genetic and clinical features.
20161031 embolic strokes of undetermined sourceJin-Yi Hsu
We want to give one stroke etiology to each stroke patient when admission. However, someone couldn't be classfied to one etiology even after throughout evaluation, and they were classified as cryptogenic stroke. Now, embolic strokes of untermined source (ESUS) is divided from cryptogenic strokes, and some new clinical trials to use new oral anti-coagulant are under recruitment.
This document discusses strokes caused by blood clots in the brain. It explains that there are two main types of strokes: ischemic, caused by a blockage cutting off blood flow, and hemorrhagic, caused by a burst blood vessel. Ischemic strokes can be caused by a clot forming in a narrowed artery or a clot breaking off and traveling to the brain. Symptoms of a stroke caused by a blood clot can include temporary weakness or numbness, speech difficulties, paralysis, loss of coordination, and personality changes. Treatment may involve clot-busting drugs if the stroke was caused by a clot and if treatment can begin within 3 hours.
This document discusses risk factors for ischemic stroke. It identifies non-modifiable risk factors such as age, sex, race and heredity. The major modifiable risk factors are hypertension, atrial fibrillation, diabetes, hyperlipidemia, cigarette smoking, and physical inactivity. Approximately 90% of strokes can be explained by 10 risk factors, including these medical conditions and behavioral risks. The document provides details on how each of these factors increases the risk of ischemic stroke. It also discusses additional potential risk factors that are still under investigation.
Approach to a patient with stroke - Pathophysiology of strokeAshwin Haridas
1. Stroke is defined as a clinical syndrome of rapid onset of focal deficits of brain function lasting more than 24 hours or leading to death. There are two main types - ischemic and hemorrhagic.
2. Ischemic strokes account for 80% of cases and result from arterial occlusion blocking blood flow. Hemorrhagic strokes can be either intracerebral hemorrhage from ruptured small arteries damaged by hypertension, or subarachnoid hemorrhage from ruptured aneurysms.
3. The pathophysiology of ischemic stroke involves development of an ischemic core with immediate cell death surrounded by an ischemic penumbra of reversibly dysfunctional tissue that can potentially be salvaged by reperfusion
Class 2 MALOCCLUSION /certified fixed orthodontic courses by Indian dental ac...Indian dental academy
The Indian Dental Academy is the Leader in continuing dental education , training dentists in all aspects of dentistry and offering a wide range of dental certified courses in different formats.
Indian dental academy provides dental crown & Bridge,rotary endodontics,fixed orthodontics,
Dental implants courses.for details pls visit www.indiandentalacademy.com ,or call
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Stroke cases are presented and discussed. Students should be able to analyze the cases as presented, explain why the process is a cerebrovascular event, localize the lesion, determine the etiology of stroke and come up with reasonable approach to further evaluation and management.
This document presents a case report of a 75-year-old female patient who presented with right-sided body weakness and inability to speak for 1 hour. Her medical history includes hypertension for 25 years and ischemic heart disease for 10 years. On examination, she had right-sided facial weakness and numbness as well as aphasia. Diagnostic tests revealed an ischemic stroke likely due to an embolism. Her treatment plan included medications, oxygen therapy, and further tests such as echocardiography and carotid Doppler. The document then provides definitions and details on stroke types, risk factors, pathogenesis, management of ischemic and hemorrhagic strokes.
Este documento describe los géneros Nocardia, Rhodococcus, Gordonia y Tsukamurella. Nocardia son bacilos ramificados que pueden causar infecciones pulmonares y cutáneas. Sobreviven dentro de los macrófagos evitando la acidificación del fagosoma. Rhodococcus son similares a Nocardia y se han convertido en patógenos más frecuentes en pacientes inmunodeprimidos. Gordonia y Tsukamurella son morfológicamente similares y son agentes oportunistas asociados con in
In this talk, I try to provide a perspective on weather or not we have crossed the Chasm with Agile transformation. Based on a few surveys, I explore the current state of agile adoption across the industry and try to predict the kind of coaching/transformation needs that might come up in the near future.
Use Iterative Insights to Translate Consumer Stories Into Action - Monika Win...Audrey Perelshtein
Iterative Insights is a marketing research method that uses in-context learning and collaborative engagement with consumers at multiple touchpoints to help companies make better, faster marketing decisions. It focuses on directly incorporating consumer stories and feedback into brand development, strategies, plans and implementation. Some key aspects include using diaries of consumer pain points, discussing product ideals, brainstorming and voting on new ideas, and optimizing concepts, branding, ads/websites, audiences, and the customer experience based on iterative consumer input. Companies report benefits like ensuring a good stream of new products, understanding audience resonation, and gaining timely, actionable responses to inform decisions with confidence.
Acute management of Stroke By Dr Sanjay jaiswal Neurologist sept2012Sanjay Jaiswal
The document discusses early management of ischemic stroke. It defines stroke as a sudden neurological deficit of vascular origin lasting more than 24 hours. It emphasizes that "time is brain" and every minute of untreated stroke causes the loss of 1.9 million neurons. It outlines risk factors, signs and symptoms of different types of stroke, and the definition of transient ischemic attack. Current acute treatments for ischemic stroke including thrombolysis within 3-4.5 hours and aspirin within 48 hours are discussed.
Friday February 3rd Pine River AnnouncementsPine River
The announcements provide information for Pine River school on February 3rd. It is noted that it is Samantha, Hailey, and Emma's birthdays and Morgan's birthday is this weekend. On Tuesday February 7th, Edge Imaging will be taking grade 8 graduation photos so order forms need to be reviewed. Various sports practices and events are also noted such as an open gym for basketball at recess for grades 6, 7 and 8. Winners of the "Gotcha" program are named.
Friday Feb. 3rd Pine River AnnouncementsPine River
The announcements provide information about birthdays, upcoming school photos, positive affirmations, sports practices, open gym times, and winners of the daily "Gotcha" prizes. Birthdays are noted for Samantha in Grade 7, Hailey and Emma in Grade 3, and Morgan in Grade 7 over the weekend. On Tuesday, Edge Imaging will take Grade 8 graduation photos and order forms need to be reviewed. Classes are learning about writing genuine compliments for others. Intermediate girls have practice after school and certain hills are open only to specific grades. Basketball open gym is available for grades 6-8 during second recess. Noah, Mia, and Morgan are announced as the daily Gotcha winners.
The document provides an overview of how to use the collaboration features in Front. It discusses setting up team inboxes and profiles, collaborating on conversations, and mastering your inbox. Specifically:
1. You can customize team inbox settings like auto-assigning conversations and set preferences in your profile.
2. Features like commenting, mentioning teammates, assigning conversations, and following discussions allow effective collaboration within shared or private inboxes.
3. Rules, canned responses, reminders and snoozing help you better manage conversations and keep your inbox organized.
It is believed that doctors earn a decent amount, however, they are poor in financial planning. It is common to see doctors getting "cheated or talked into" unwise investments, which they later regret. This presentation looks at various investment options (suitable for Indian doctors).
This document provides information on making investments work for you through saving and investing regularly from an early age. It discusses starting small investments early in life to benefit from compound returns over time. The key is for investment returns to exceed inflation rates over the long run. Various low and high risk investment options are outlined including fixed deposits, mutual funds, real estate, and gold. The document emphasizes that while fixed deposits are safe, their returns may be outpaced by inflation, making higher-return investments like mutual funds more suitable for achieving long-term financial goals when invested in for periods of 3-5 years or more despite short-term volatility. It provides contact information for a financial planner to help readers develop an optimal investment strategy.
This document discusses the importance of actively managing personal finances for a secure retirement. It begins by contrasting passive savers, who focus only on compulsory savings, with active investors, who take a proactive approach to understanding investments and achieving financial goals. Key points include the power of regular, long-term investing and compound returns. It provides tips for asset allocation based on investment timelines and compares fixed income and equity investment options. The document emphasizes understanding taxes and returns, diversifying risk appropriately, and leveraging online resources to make informed financial decisions. The overall message is that individuals should take an active role in their financial wellness, just as they do for physical health.
This document discusses fixed income investment options and recommends tax-free bonds. It notes that while fixed deposits offer stability, after-tax returns are often lower than inflation, meaning investors' capital erodes over time. To boost returns, it suggests either higher-yielding assets like equity and gold or reducing taxes through options like fixed maturity plans and tax-free bonds. Tax-free bonds issued by government companies offer tax-free interest rates of 7.69-11.10%, higher than most other fixed income alternatives. The document encourages contacting Taurus Capital Advisors for more details on investing in tax-free bonds.
This document provides information to educate investors on various investment concepts and strategies. It discusses the impacts of inflation on investments and how starting early allows one to benefit more from compounding returns. It explains traditional investment options and their after-tax returns. The document also covers capital market basics, mutual funds, taxation, and the importance of financial planning and asset allocation. It aims to help investors understand different investment vehicles and strategies to grow their wealth over the long run in a prudent manner.
Investment Options for Retail investorssanjib sharma
This document presents information on different types of investment options available for retail investors in India when the economy is growing. It discusses short-term investments like national savings certificates and recurring deposits as well as long-term options such as equity-linked savings schemes, public provident fund, and life insurance plans. The document recommends diversifying investments between traditional safer plans (80% of funds) and higher-risk equity-linked avenues (20%) to achieve a balanced investment portfolio. It aims to help new investors understand their investment opportunities.
Tax-Advantaged Real Estate Investing When You've Maxed Out Your Self-Directed...Tom Rutkowski
This document discusses using permanent life insurance as a tax-advantaged way to invest and access funds for real estate investing. It outlines how life insurance provides stable, high returns that can be borrowed against at low rates, allowing investments to earn returns in two places at once. This "micro-banking" strategy improves returns without additional risk compared to traditional real estate investing. The document uses an example of a real estate investor to demonstrate how this strategy provides higher returns, asset protection, a death benefit, and income in case of critical illness.
In every movie, at the end everything goes well and movie ends happily and if it didn’t, then... "Picture abhi baaki hai mere dost"
How happy we’ll be if our life turns out to be like a movie, no? But the truth is … Life is not a movie. We all know about the hardship and struggle of life. But YES, if we plan our finances and manage it properly then we can surly make the story of our life “Happy".
So where ever you are and in whatever condition, let's start planning our finance because."Picture abhi baaki hai mere dost...". We at financial Hospital is coming with a session on how to plan and where to find safe heaven for your finance. Read on to make yourself a super hero of your own life movie.
This document provides information about savings, investment, and taxation. It defines savings as income not spent on consumption. Factors affecting savings like income level and interest rates are discussed. Investment is defined as acquiring an asset to generate income or appreciation over time. Objectives of investment like maximizing returns and minimizing risk are outlined. Different types of investments like fixed deposits, stocks, mutual funds, bonds, and real estate are explained. Taxation is defined as compulsory levies imposed by governments to generate revenue. Objectives of taxation like raising revenue and promoting economic development are highlighted. Different tax classifications like direct and indirect taxes are summarized along with tax rates in India. Principles of a sound taxation system like transparency, simplicity, and stability
This document discusses various financial options and benefits available for senior citizens in India. It outlines investment avenues like the Senior Citizen Savings Scheme (SCSS), Pradhan Mantri Vaya Vandana Yojana (PMVVY), bank fixed deposits, debt and hybrid mutual funds that provide returns and regular income. Reverse mortgage is also described as an option to receive regular payouts without losing ownership of one's home. General benefits for senior citizens include tax exemptions, discounts on travel and utilities. The document encourages celebrating Senior Citizen Day and managing finances well for a joyful retirement.
The document discusses reasons for investing one's savings and different investment options. It presents a scenario where investing monthly savings of Rs. 20,000 at 12% annual return over 20 years results in a corpus of Rs. 4.26 crore, much higher than the Rs. 1.7 crore achieved without investing. Key reasons to invest include fighting inflation, creating wealth, and meeting financial goals. Popular asset classes for investment include fixed income, equity, real estate, and commodities like gold, with equity offering the highest expected long-term returns but also higher risk. The document advises evaluating investment risk tolerance and time horizon before choosing where to invest savings.
Are you thinking about retirement? Understand your retirement income and estate planning options with this Roadmap to Retirement presentation by Greg Stevens, CFP, Senior Wealth Advisor, and Tom Vautin, Senior Financial Planner, of Cabot Wealth Management.
The document provides an overview of basic finance and investment concepts. It discusses investment options under Section 80C like PPF, ELSS funds, life insurance premiums. It explains key terms like mutual funds, SIP, equity, debt funds, returns, compounding. It also touches on insurance, home loans, taxes, and provides suggestions to invest for long term through SIP in ELSS and other equity mutual funds focusing on sectors like power and infrastructure.
The document discusses various financial investment options in India including banking, stock market, mutual funds, real estate, gold, provident fund, post office savings schemes, government bonds, and life insurance. It provides an overview of each option and lists their key merits and demerits. The main financial investment sectors discussed are banking, stock market, mutual funds, real estate, gold, and life insurance. The document also briefly covers provident funds, post office savings, and government bonds as options regulated by the government that provide assured returns.
Investing through systematic investment plans (SIPs) in mutual funds reduces the average cost of investment compared to lump sum investing. By investing a fixed amount every month through SIPs, more units are purchased when the market is down and fewer units when the market is up, averaging out the overall cost. The example shows an SIP of Rs. 5,000 per month for 12 years in an equity fund, with a total investment of Rs. 7.85 lakhs growing to Rs. 44.66 lakhs, achieving a CAGR return of 24.38%. SIPs help investors benefit from rupee cost averaging and stay invested in volatile markets.
Investment planning involves balancing risk and return. Lower risk investments like savings accounts and fixed deposits have lower potential returns, while higher risk investments like equity and real estate may offer higher returns but more volatility. Different investment options suit different goals based on risk tolerance and time horizon. Cash management involves saving programs, budgeting, and using appropriate products like FDs, RDs, and money market instruments. Bonds, mutual funds, PPF, and tax-free bonds are good options for debt investments suitable for medium-term goals. Equity is best for long-term goals due to higher potential returns over long periods.
Financial planning is a long-term process of managing one's finances to achieve goals. It provides a roadmap to financial well-being and sustainable wealth creation. Many misconceptions exist, such as that it only involves budgeting or is only for the wealthy. Financial planning is needed due to risks like living too long in retirement, changing lifestyles, inflation, and lack of social security. It involves understanding assets, liabilities, priorities, timelines, and appropriate investment vehicles. Starting financial planning early allows greater benefits of compounding returns. Using systematic investment plans smooths out market volatility for better long-term returns. Financial planners can help develop and implement customized plans.
The document provides an overview of investing and discusses why investing is important. It notes that investing allows people to meet long-term financial goals like education, weddings, medical expenses, and retirement. Starting to invest earlier provides significant benefits due to compound interest over time. The document then discusses different investment options like stocks, mutual funds, bonds, and real estate and how they balance risk and return. It emphasizes that equities can provide high returns but also volatility in the short-term, while having strong long-term growth potential. The document also promotes mutual funds as a convenient way for individuals to invest and benefit from professional management.
Neurological Evaluation of Acute Ischemic stroke in Emergency RoomSudhir Kumar
Neurological evaluation of acute ischemic stroke in ER should focus on:
1. Exclude stroke mimics
2. Ascertain time of onset of symptoms,
3. Neurological examination
4. NIHSS score
5. Investigations to be done in ER
6. Ascertain eligibility for thrombolysis and exclude any contraindications
7. Informed consent
Lifestyle Measures to Prevent Brain Diseases.pptxSudhir Kumar
Disease prevention is more important in neurology than treatment. This is because treatments are not 100% effective and cure may not be possible. In this presentation, I discuss the evidence-based measures to prevent stroke and dementia. These include adequate sleep, physical activity, eating healthy foods, and reducing stress.
This talk summarizes the definition, diagnosis and management strategies of migraine. It will be useful for general public as well as healthcare professionals.
This is more of a summary of recent evidence available on migraine management. It is easy to read and understand. Please post your queries and comments.
COVID-19 Presenting as stroke- mechanisms, diagnosis and treatmentSudhir Kumar
Covid 19 infection can affect nervous system in many ways, including an increased risk of stroke. This presentation looks at the association of COVID 19 infection and stroke. Mechanisms of stroke in COVID 19 have been elucidated. Approach to diagnosis and management has also been discussed via case studies. Prompt diagnosis and early initiation of treatment ensures a good outcome in covid 19 infected patients presenting with stroke.
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Chronic pain and depression are both common conditions, and in many patients, they co-exist. This presentation looks at the link between chronic pain and depression. Various drugs that can be used to treat chronic pain/depression have been discussed, with a special emphasis on tricyclic antidepressants.
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Multiple sclerosis: fighting the invisibleSudhir Kumar
Multiple sclerosis affects about 100 per 1,00,000 population. Women get affected 3 times more commonly than men. It is a leading cause of disability. This presentation aims at educating people with MS about the symptoms, diagnosis, treatment and prognosis of MS.
Stroke is common. This presentation discusses the broad outlines of acute stroke management, especially in the first 24 hours after onset of symptoms. It would be useful for physicians as well as neurologists.
Stroke is common in pregnancy. All physicians and obstetricians caring for pregnant women should be familiar with symptoms of stroke, as well as its diagnosis and treatment. This presentation gives an overview about the latest management of stroke in pregnant women.
Stroke is a leading cause of death and disability. All doctors should have a basic knowledge about stroke management. This presentation gives a summary of treatment options in acute brain stroke.
Multiple sclerosis is a demyelinating disease affecting brain, optic nerves and spinal cord. It is characterised by frequent relapses. Now, there are a number of effective treatment options for MS. Earlier, only clinical parameters were considered to evaluate the efficacy of MS treatments. However, now, we need to look at disability as well as MRI parameters. All these points are included in NEDA (no evidence of disease activity). This presentation looks at the definition and classification of NEDA. It also looks at NEDA rates with various treatment options.
NEUROLOGICAL DISORDERS DUE TO METABOLIC DERANGEMENTSSudhir Kumar
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Management of High Disease Activity in Multiple Sclerosis (MS)Sudhir Kumar
Multiple sclerosis is a common disease affecting the central nervous system. Immunotherapy with interferon is the first line therapy for MS. This presentation discusses the treatment options of high disease activity in patients with MS. Role of natalizumab (tysabri) has been highlighted.
This presentation discusses the revised McDonald's criteria (2017) for the diagnosis of multiple sclerosis. Major changes from the last diagnostic criteria proposed in 2010 have been discussed. Clinical and MRI criteria for dissemination in space and time have been discussed.
Today, everyone needs to market self. Some market their products, and others market their skills. Is marketing difficult? It is difficult, however, it can become easy, if we follow certain protocol. This talk gives you some insights into effective ways of marketing.
Addressing hypertension to reduce the burden of stroke 19 feb2018 (1)Sudhir Kumar
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Role of Blood Pressure in Recurrent StrokeSudhir Kumar
Hypertension is a major risk factor for the first stroke as well as recurrent stroke. Therefore, adequate control of BP is necessary to reduce the risk of stroke recurrence. This presentation looks at the ABCD 2 score to predict the exact risk of stroke recurrence after TIA. Target BP that needs to be achieved has been discussed. Various antihypertensive agents based on the scientific evidence have been discussed.
Palmitoylethanolamide in the Treatment of Neuropathic Pain Sudhir Kumar
Neuropathic pain is quite common. It is associated with severe disability and adversely affects the quality of life of sufferers. Current treatment options for neuropathic are not very effective. Moreover, they are associated with significant adverse effects. A new naturally occurring substance- PALMITOYLETHANOLAMIDE (PEA)- has been found to be effective and safe in treating neuropathic pain. The current presentation looks at the efficacy of PEA in neuropathic pain.
Newer drugs for the treatment of motor symptoms of Parkinson's DiseaseSudhir Kumar
Parkinson's disease is a common movement disorder with prominent motor symptoms such as tremors, bradykinesia and rigidity. Many patients suffer from motor fluctuations including on off phenomena, and freezing. This presentation looks at the latest drugs for treating these.
[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.
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Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"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.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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.
"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.
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.
2. SIGNS of GOOD
INVESTMENT
• Capital (income) is protected,
• One should earn good profits on the investment,
• Investments should have lesser risks,
• Investment should be tax-efficient (lesser tax on
profits),
• Should be able to build wealth for needs (children’s
education & marriage, travel, retirement),
• Investments should be easy to redeem.
3. PROTECTIVE COVERS
Before we start investing, a few protective covers
are very important:
1. Life insurance
2. Medical insurance (mediclaim)
3. Professional indemnity insurance
(Do not mix insurance and investment; treat
insurance as purely protection against risks)
4. LIFE INSURANCE
• Best are the online term plans
• For a 40-year old non-smoker man, Rs 18,000/ per
annum would give a cover of one crore for the next 30
years. (i-protect by ICICI prudential)
• Term plan for one crore by LIC would cost Rs 57,000/
per year
• In contrast, a similar cover by LIC (Jeevan Anand)
would cost Rs 4 lakhs per year!
• Please compare the different plans online and choose.
5. INSURANCE (2)
• Mediclaim: a must in view of spiraling cost of
healthcare (family floater plans are more
economical),
• Professional indemnity insurance: Rs 5300/ for
1 crore, and Rs 10,500/ for 2 crore (for groups
of professional organizations)
7. CASH (1)
• Many doctors earn in cash (OP fees, etc),
• They prefer keeping cash at home (so that
they can avoid paying taxes),
• Cash can be used only for buying gold or real
estate (or can be blown away on shopping),
• Value of cash erodes over time (with 7%
average inflation per year, one lakh will be
worth only Rs 13,000 after 30 years)
8. CASH (2)
• For ex: In 2000, you could watch a movie for Rs 15,
now the cost has multiplied 15 times (Rs 225), Rs
15/ may not even cover your car parking fees!
• So, the value of cash kept at home would always
diminish over time,
• Moreover, it is unsafe (risk of theft),
• Risk of getting caught by IT authorities.
• Cash at home: Strict NO (except for keeping some
cash for emergencies)
9. SAVINGS ACCOUNT
• Many people leave money “idle” in savings
account, as they consider it “safe”
• Interest rate is 4% in most banks (6% in a few; 7% in
RBL bank), which is lower than the average
inflation rate of 7%,
• Moreover, we need to pay taxes on the interest
earned (so, for a person in 30% tax bracket, post
tax returns are only 2.8%),
• Investment in savings bank account: Not advisable
(except for routine and emergency needs)
10. FIXED DEPOSITS
• Many people prefer fixed deposits (FDs), as it is considered safe,
• The interest rates are about 4-7.5% (likely to fall further),
• The interest on FDs is taxable. So, in 30% tax bracket, the post-tax
returns would be about 3-5% (again lower than the inflation rate)
• So, the value of investment would erode in FDs.
• Also, the money gets locked (can not be withdrawn) for 1-5 years.
• FD: Not a “good” investment option for younger people; post-
retirement some money can be kept in FDs due to safety.
12. RECOMMENDED FIXED
RETURN INVESTMENTS (1)
• PPF: any person can open an account, with annual deposit between Rs
500 to 1.5 lakhs,
• Rate of interest: 8.1% per year, compounded,
• Both the principal and interest are exempted from tax
• Sukanya Samridhi scheme: Pays 0.5% more interest than PPF (8.6% per
year now). Can be opened in the name of girl child below 10; maturity
after 21 years or marriage (which ever is earlier). Amount that can be
invested (Rs 1000-1.5 lakhs/year)
Verdict: Both PPF & Sukanya Samridhi scheme-A must for all
(Limitation is the low ceiling of 1.5 lakhs per year)
13. FIXED RETURNS (2)
• Tax-free Bonds: These bonds are opened for
subscription at certain times only, and pay an interest
of 7-9% per year for 10-15 years,
• As the name suggests, the interest is tax-free,
• There is no limit on the amount of investment
(however, due to oversubscription, one may not get
the required amount of bonds)
• These are listed on stock exchanges, so are liquid
assets (can be redeemed any time).
• EXCELLENT investment option
14. GOLD
• We are fascinated with GOLD. Every Indian
household has significant gold assets.
• According to estimates, Indian households have
22,000 tons of gold; in addition to 558 tons held by
central bank,
• Jewelry has sentimental value and usually is not
sold/traded; important part of weddings
• So, sometimes gold is considered a dead
investment.
16. GOLD (2)
• Gold is relatively safe investment option, and offers a hedge
against inflation too,
• Various options- jewelry, Gold bars, ETFs, Fund of funds, and
sovereign Gold bonds
• Gold bonds give an interest of 2.5% per year (tax free), and are
very safe, lock in period of 8 years, can be redeemed after 5
years, Limits: 1 gm to 500 gms
• Jewelry is not safe (risk of theft), storage (bank lockers) requires
money, purity is not assured, and there is no earning unless sold.
• Conclusion: Gold should form 5-10% of investment portfolio
(preferably in the form of sovereign gold bonds).
17. REAL ESTATE
• “Black money (undeclared cash income)” is
usually used for buying real estate,
• Also, people feel real estate gives fascinating
returns,
• Land value usually appreciates, however, cost
of property built on it depreciates in value,
• A “bit of luck” is needed, as not every real
estate value appreciates the same,
18. REAL ESTATE (2)
• Real estate can create “tensions” among family members,
partners and friends and may lead to “murders”
• Litigations and disputes are common,
• Land may get encroached by land grabbers,
• Real estate may also suffer, if Government acquires it for
infrastructure, industries, etc
• “Big” investments are needed (as you can not buy land square
feet by square feet)
• It is mostly “illiquid” as you can not sell part of land and also it is
not easy to find buyers when you need the cash.
20. REAL ESTATE (3)
• Some people buy apartment or villas to earn
“rental” income; however, it does not make
good investment sense,
• This is because “rental yields” are very low in
India (2-4% of the property value per year),
which is much lower than even the FD rates,
• In addition, one needs to maintain the
property, pay property taxes and “dance to
the tunes” of the tenant.
22. RENTAL INCOME vs
MUTUAL FUNDS
APARTMENT DEBT MUTUAL FUNDS
Amount invested 50 lakhs 50 lakhs
EARNINGS (per year) 3 lakhs (25000X12) 4-6 lakhs
EXPENSES Prop tax, repairs None
TAX YES YES (lesser)
Capital protection Depreciation likely Protected
Hassles Tenant behavior;
upkeep of property
None
(Taxes needs to be paid even if the house is not occupied/not given on rent)
23. EQUITY
• Equity is by far the best investment option,
• You can either do it indirectly through mutual
funds (demat account is not needed), or you can
directly buy shares of various companies (demat
account is needed),
• Need to select good mutual funds or good
companies
• Stay invested for long term to get the best
returns,
24. EQUITY MUTUAL FUNDS (1)
• Mutual funds (MFs) are managed by fund managers
(experts in financial field) for a fee (about 2-3% fees on
invested amount),
• Fund managers buy shares of various companies from
the money that people invest into various MFs
accounts.
• On an average, equity MFs give returns of 15% or more
per year (these returns are tax free after one year),
• Investments can be done as SIP (fixed amount every
month) and as lump sum whenever market indices are
down.
25. EQUITY MFs (2)
• Start investing early to gain more (due to
compounding value),
• Invest regularly over long periods,
• Hold for long term to gain maximum returns
(rather than selling in short periods- taxable if
sold within one year, also lower returns)
30. POWER OF COMPOUNDING
Amount/
month
No of
years
Total
invested
Returns Maturity Gain
Mr A 10000 20 24 lakhs 15% 1.51 crore 1.27 cr
Mr B 20000 10 24 lakhs 15% 55.7 lakh 31.7 lakh
Starting investing 10 years earlier has given four-times higher returns
for Mr A, even though the amount invested is the same.
31. SHARES
• One can invest in shares directly, demat
account is needed,
• More risky (than MFs), as wider swings are
seen (up or down),
• In-depth knowledge about a company is
needed before investing,
• Holding shares for a long-term gives better
returns.
33. REAL ESTATE vs EQUITY
REAL ESTATE EQUITY
Amount needed Large amounts Any amount
Diversification Usually not possible Possible
Risk High Moderate
Returns Moderate-high Moderate-High
Redemption Difficult Easy
Partial redemption Usually not possible Possible
Litigation Mild risk None
Regular income Land(none), rental* Yes (dividend)
37. CONCLUSIONS (1)
• Financial planning is a must for all doctors, including
anaesthetists.
• The first step is to make a file with details of income and
expenditure.
• Second step is to declare all the income, rather than falling into
the trap of keeping cash at home to avoid paying taxes.
• Third step is to take all the protective covers, such as life
insurance, mediclaim and professional indemnity insurance.
• Finally, the surplus money (left over after expenditure) should
be wisely invested.
38. CONCLUSIONS (2)
• Keeping the money idle in the saving account or investing in
fixed deposits is not a wise option, as the returns are taxable
and they are lower than inflation.
• Lesser risky options with reasonable returns (8-9% tax-free
returns) include PPF, Sukanya samridhi scheme, tax free bonds
and debt mutual funds. Slightly more risky options with better
returns (>15% returns per year; tax-free after one year) include
equity mutual funds and shares.
• A part of investment (5-10%) should be in gold (best option is
sovereign gold bonds).
• Real estate investment is better avoided due to higher costs, risk
of conflicts/litigations, difficulty in redemption, involvement of
"black money” and relatively lower returns.