Financial Markets - Money market-Organized and Unorganized-Sub markets
Capital market- Primary market-IPO-FPO- NFO, Book Building-Right Issue-Private placement- Bonus issue-Buyback
Secondary Market-Stock exchanges- Role and functions of Stock Exchanges- BSE-NSE.
Regulatory authorities and their functions – RBI, SEBI
Financial Markets - Money market-Organized and Unorganized-Sub markets
Capital market- Primary market-IPO-FPO- NFO, Book Building-Right Issue-Private placement- Bonus issue-Buyback
Secondary Market-Stock exchanges- Role and functions of Stock Exchanges- BSE-NSE.
Regulatory authorities and their functions – RBI, SEBI
A financial market is a broad term describing any marketplace where buyers and sellers participate in the trade of assets such as equities, bonds, currencies and derivatives.
This is about different types of investments. This also includes the definition and concept of Investments. There were also examples of each investment and types of investment.
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.
Similar to Investment ppt[1].pptx [autosaved] (20)
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
2. What is Investment?
Money you earn is partly
spent and the rest saved for
meeting futures expenses
3. Needs of Investment
Earn return on your idle resources
Generate a specified sum of money
for specific goal in life
Make a provision for an uncertain
future
4. Inflation
Rate at which the cost of living increases
Cost of living is simply what it costs to buy
the goods and services you need to live
Inflation causes money to lose value
Example: if there was a 6% inflation rate for the
next 20 years, a Rs. 100 purchase today would
cost Rs. 321 in 20 years.
5. Return
Return above inflation rate to ensure that
investment does not decrease in value
Example:- if the annual inflation rate is 6%, then
the investment will need to earn more than 6% to
ensure it increases in value
If after-tax return on your investment is
less than the inflation rate, then your assets
have actually decreased in value.
6. Inflation v/s Return
Assets of class Inflation Return
(approx)
Fixed Deposit 8.82% 8.50%
Gold 8.82% 10-12%
Share 8.82% 17%
Mutual Fund 8.82% 14- 15%
7. Golden Rules of Investment
Invest for long
Invest early Invest regularly term and not
short term
8. Important Steps to Investing
1. Obtain written documents explaining the investment
2. Read and understand such documents
3. Verify the legitimacy of the investment
4. Find out the costs and benefits associated with the
investment
5. Assess the risk-return profile of the investment
6. Know the liquidity and safety aspects of the investment
7. Ascertain if it is appropriate for your specific goals
8. Compare these details with other investment opportunities
available
9. Examine if it fits in with other investments you are
considering or you have already made
10. deal only through an authorized intermediary
11. Seek all clarifications about the intermediary and the
investment
12. Explore the options available to you if something were to
go wrong, and then, if satisfied, make the investment
9. Interest
When we borrow money, we are
expected to pay for using it
An amount charged to the borrower for
the privilege of using the lender’s
money
Calculated as a percentage of the
principal balance
10. Factors determine Interest Rate
Demand for money
Level of Government borrowings
Supply of money
Inflation rate
RBI & Government policies which determine
some of the variable mentioned above
11. Options for Investment
Physical Assets
• Real Estate, Gold /
Jewellery, Commodities
Financial Assets
• Fixed Deposit , Small Saving Instruments
Mutual Fund,Pension fund and securities
market instruments
13. Saving Bank Account
First banking product people use
Offers low interest (4% - 5% p.a.)
Interest is taxable in the hand of
Investor
14. Money Market / Liquid Funds
Specialized form of mutual funds that invest in
extremely short - term
Primarily protecting your capital and then, aim to
maximize returns
Money market funds usually yield better than saving
accounts, but lower than bank fixed deposits
15. Fixed Deposits with Banks
1. • Referred to as term deposits
• Minimum investment period for
2. bank FDs is 30 days
• FDs with bank are for investor with
3. low risk appetite
• FDs is lower than money market
4. fund returns
16. Long-Term Financial Investment
Post Office Public Provident
Saving Scheme Fund
Company Fixed Bonds &
Deposits Debentures
Mutual Funds
17. Post Office Savings
A low risk saving
instrument
Provides an interest
rate of 8% per
annum paid monthly
Minimum amount
can be invested is
Rs. 1000/-
Maturity period of 6
years
18. Public Provident Fund
A long term savings
instrument with a
maturity of 15 years
Interest payable at 8 %
per annum
compounded annually
PPF account can be
opened through a
nationalized bank
19. Company Fixed Deposits
Interest
received
Rate of after
interest deduction
Payable varies
of taxes
monthly, between 6-
quarterly, 9% per
semi – annum
These are
short– annually or
term to annually
medium –
term
borrowin
gs at
fixed rate
of interest
20. Bonds
A promise
Fixed
to repay the
Income
principal
instrument Purpose of
along with a
issued for a raising
fixed rate of
period of capital
interest on
more than
specified
one year
date
21. Mutual Fund
• Operated by an investment company which
1. raises money from the public and invests in a
group of assets
• Substitute for those who are unable to invest
2. directly in equities or debt because of
resource, time or knowledge constraints
• Usually long term investment vehicle
3.
22. Share
Total equity capital of
a company is divided
into equal units of
small denominations The holder of such
shares are members
of the company and
have voting rights
For example, in a company the total equity
capital of Rs 2,00,00,000 is divided into
20,00,000 units of Rs 10 each. Each such unit
of Rs 10 is called a Share.
23. Derivative
• A product whose value is derived from the
value of one or more basic variables, called
underlying.
• Underlying assets can be equity, index, foreign
exchange (forex), commodity or any other
assets.
• Emerged as hedging devices against
fluctuations in commodity prices and
commodity-linked derivatives remained the
sole form of such products for almost three
hundreds years.