The document is about a website that allows users to track their investments. It provides a free basic account to record and monitor investments up to Rs. 10 lacs. It also offers a premium paid plan that allows tracking of unlimited investments. The website guides users through completing their profile and adding details of various investments like mutual funds, stocks, real estate, insurance plans, etc. It then shows the total value of their investments and provides a tool to estimate future values over time.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that invests in very short term debt with returns averaging over 8%, beating inflation. Key benefits of liquid funds highlighted are high liquidity, low risk, and no entry/exit loads.
The document provides an overview of portfolio management services in India including:
1) It summarizes key aspects of the Indian economy such as GDP growth rates, interest rates, foreign exchange reserves, and inflation.
2) It describes the health of the Indian capital markets including market capitalization trends, mutual fund holdings, and performance of stock and futures exchanges.
3) It outlines the services provided by Munoth Financial Services including merchant banking, stock broking, portfolio management, and the investment objectives and strategies of its flagship portfolio scheme.
Equity View:
Markets are moving into earnings season and initial results of few corporate entities seem good enough,
starting with Indusind Bank followed by Infosys. The numbers of these companies were expected to come
out well thus this outcome is not surprising from sectors like Private Sector Banks, IT, FMCG and Pharma
which are expected to perform well. There are few sectors like Capital Goods, Public Sector Banks and old
Infra Companies which can show subdued results. We expect domestic factors like government policies
to drive the market in absence of global cues. IIP data is set to come out today and is expected to be flat;
Inflation is also expected to be higher due to base effect.
Real estate markets have a cycle of around 5 – 7 years thus an off-take seems distant, however buying
could initiate after 2 – 3 years. A rate cut acts as a catalyst but it cannot help in a sudden pick-up of
demand.
There is always a trend and a counter trend in the movement of an asset class. We need to see the long
term trend. In commodities there is bearish long term trend so counter trend is bullish and thus,
currently we are seeing a counter trend in this asset. Similarly, if we have a bullish long term trend for
equity markets then from time to time there would be correction which is also happening now and this is
known as counter trend. The incremental savings of the government can either be used in the form of an
investment, subsidies or 7th Pay commission arrears. This definitely leads to correction in equity markets
but it doesn’t lead to bearish phase. If everyone is hopeful about the turnaround of Indian story and
economic revival then no one exits completely from the stock markets. Larger expectations are that
investments will certainly pick up and we all are hopeful about it.
News:
DOMESTIC MACRO:
Indirect tax collection rose 35.8% to over Rs. 3.24 lakh crore in the first half of the current fiscal.
Indirect tax collection in the period from April to September in the last fiscal stood at about Rs.
2.38 lakh crore.
The International Monetary Fund (IMF) in its latest World Economic Outlook has lowered India’s
growth forecast for FY16 to 7.3% from its July forecast of 7.5%. Growth is expected to bounce back
to 7.5% in 2016-17 on the back of reforms, pick-up in investments and lower commodity prices.
The Reserve Bank of India (RBI) will be increasing the investment limit for Foreign Portfolio
Investors (FPIs) in Government Securities to Rs. 1,79,500 crore by January 1 from the existing Rs.
1,53,500 crore.
The Cabinet approves a Railway Ministry proposal to pay bonus equivalent to 78 days’ pay, with a wage
ceiling of Rs 3500 a month.
The equity markets were largely flat last week, rising only 0.2%. The RBI significantly tightened liquidity measures to support the falling rupee, increasing borrowing rates and capping overnight loans. This was an attempt to stem the rupee's 10% depreciation against the dollar over the last few months. Most private banks reported strong profits but also increasing non-performing assets. Global markets rose as US banks had strong earnings and the Fed indicated it was not yet ready to reduce monetary stimulus.
The 2012-13 Union Budget aims to cut the fiscal deficit from 5.9% to 5.1% while raising GDP growth to 7.6% through fiscal consolidation and raising additional taxes. Key measures include raising excise and service tax rates, increasing infrastructure investment, allowing foreign dividend repatriation, and introducing new tax-saving investment schemes. However, fiscal targets may be difficult to achieve if revenue falls short, crude oil prices rise substantially, or growth does not recover as projected. Overall the budget focuses on boosting key sectors like infrastructure, health, education, and rural development to support economic growth.
The document provides an equity market and macroeconomic overview for the week of January 6-11, 2014:
- Indian IT stocks performed well due to strong revenue growth from North America and Europe. The sector is expected to see further price-earnings multiple expansion.
- Inflation numbers for India are expected to decline slightly from the previous month's high levels. The RBI policy is expected to keep rates stable given muted growth and sticky inflation.
- Chinese trade surplus declined more than expected in December, missing forecasts. Eurozone inflation dipped slightly. The US unemployment rate fell but manufacturing activity slowed.
This document discusses balance funds and why they are suitable investment options. A balance fund provides a mix of 65% equity and 35% debt, aiming to offer lower volatility than equity funds while still providing growth. It discusses how balance funds are ideal for first-time investors, creating wealth, and providing regular income. Several examples are given showing how balance funds have performed over various time periods and their suitability for meeting different financial goals like children's education, holidays, insurance premiums, and more.
The document provides an equity market outlook and updates on the Indian and global macroeconomic situation for the week of August 5-8, 2013. It notes the continued fall in the rupee putting pressure on India's fiscal and current accounts. It expects further interest rate hikes and measures to curb imports and raise deposits to support the currency. Domestically, weak industrial production and mixed corporate earnings are expected. Globally, US and Chinese economic data showed improvements while Eurozone remains contracted. The sectors of pharma, IT and telecom are seen as favorable for investment.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that invests in very short term debt with returns averaging over 8%, beating inflation. Key benefits of liquid funds highlighted are high liquidity, low risk, and no entry/exit loads.
The document provides an overview of portfolio management services in India including:
1) It summarizes key aspects of the Indian economy such as GDP growth rates, interest rates, foreign exchange reserves, and inflation.
2) It describes the health of the Indian capital markets including market capitalization trends, mutual fund holdings, and performance of stock and futures exchanges.
3) It outlines the services provided by Munoth Financial Services including merchant banking, stock broking, portfolio management, and the investment objectives and strategies of its flagship portfolio scheme.
Equity View:
Markets are moving into earnings season and initial results of few corporate entities seem good enough,
starting with Indusind Bank followed by Infosys. The numbers of these companies were expected to come
out well thus this outcome is not surprising from sectors like Private Sector Banks, IT, FMCG and Pharma
which are expected to perform well. There are few sectors like Capital Goods, Public Sector Banks and old
Infra Companies which can show subdued results. We expect domestic factors like government policies
to drive the market in absence of global cues. IIP data is set to come out today and is expected to be flat;
Inflation is also expected to be higher due to base effect.
Real estate markets have a cycle of around 5 – 7 years thus an off-take seems distant, however buying
could initiate after 2 – 3 years. A rate cut acts as a catalyst but it cannot help in a sudden pick-up of
demand.
There is always a trend and a counter trend in the movement of an asset class. We need to see the long
term trend. In commodities there is bearish long term trend so counter trend is bullish and thus,
currently we are seeing a counter trend in this asset. Similarly, if we have a bullish long term trend for
equity markets then from time to time there would be correction which is also happening now and this is
known as counter trend. The incremental savings of the government can either be used in the form of an
investment, subsidies or 7th Pay commission arrears. This definitely leads to correction in equity markets
but it doesn’t lead to bearish phase. If everyone is hopeful about the turnaround of Indian story and
economic revival then no one exits completely from the stock markets. Larger expectations are that
investments will certainly pick up and we all are hopeful about it.
News:
DOMESTIC MACRO:
Indirect tax collection rose 35.8% to over Rs. 3.24 lakh crore in the first half of the current fiscal.
Indirect tax collection in the period from April to September in the last fiscal stood at about Rs.
2.38 lakh crore.
The International Monetary Fund (IMF) in its latest World Economic Outlook has lowered India’s
growth forecast for FY16 to 7.3% from its July forecast of 7.5%. Growth is expected to bounce back
to 7.5% in 2016-17 on the back of reforms, pick-up in investments and lower commodity prices.
The Reserve Bank of India (RBI) will be increasing the investment limit for Foreign Portfolio
Investors (FPIs) in Government Securities to Rs. 1,79,500 crore by January 1 from the existing Rs.
1,53,500 crore.
The Cabinet approves a Railway Ministry proposal to pay bonus equivalent to 78 days’ pay, with a wage
ceiling of Rs 3500 a month.
The equity markets were largely flat last week, rising only 0.2%. The RBI significantly tightened liquidity measures to support the falling rupee, increasing borrowing rates and capping overnight loans. This was an attempt to stem the rupee's 10% depreciation against the dollar over the last few months. Most private banks reported strong profits but also increasing non-performing assets. Global markets rose as US banks had strong earnings and the Fed indicated it was not yet ready to reduce monetary stimulus.
The 2012-13 Union Budget aims to cut the fiscal deficit from 5.9% to 5.1% while raising GDP growth to 7.6% through fiscal consolidation and raising additional taxes. Key measures include raising excise and service tax rates, increasing infrastructure investment, allowing foreign dividend repatriation, and introducing new tax-saving investment schemes. However, fiscal targets may be difficult to achieve if revenue falls short, crude oil prices rise substantially, or growth does not recover as projected. Overall the budget focuses on boosting key sectors like infrastructure, health, education, and rural development to support economic growth.
The document provides an equity market and macroeconomic overview for the week of January 6-11, 2014:
- Indian IT stocks performed well due to strong revenue growth from North America and Europe. The sector is expected to see further price-earnings multiple expansion.
- Inflation numbers for India are expected to decline slightly from the previous month's high levels. The RBI policy is expected to keep rates stable given muted growth and sticky inflation.
- Chinese trade surplus declined more than expected in December, missing forecasts. Eurozone inflation dipped slightly. The US unemployment rate fell but manufacturing activity slowed.
This document discusses balance funds and why they are suitable investment options. A balance fund provides a mix of 65% equity and 35% debt, aiming to offer lower volatility than equity funds while still providing growth. It discusses how balance funds are ideal for first-time investors, creating wealth, and providing regular income. Several examples are given showing how balance funds have performed over various time periods and their suitability for meeting different financial goals like children's education, holidays, insurance premiums, and more.
The document provides an equity market outlook and updates on the Indian and global macroeconomic situation for the week of August 5-8, 2013. It notes the continued fall in the rupee putting pressure on India's fiscal and current accounts. It expects further interest rate hikes and measures to curb imports and raise deposits to support the currency. Domestically, weak industrial production and mixed corporate earnings are expected. Globally, US and Chinese economic data showed improvements while Eurozone remains contracted. The sectors of pharma, IT and telecom are seen as favorable for investment.
Key Advertising Opportunities in the Online Travel Industry in 2016Francesco Canzoniere
OTAs are best positioned to capture the largest share of hotel bookings. Smartphone bookings are expected to surge, particularly last-minute bookings. Cross-device will heavily
impact booking attribution. State-of-the-art apps will generate the majority of mobile bookings.
Download the full report at:
http://www.criteo.com/media/4290/travel-report-q2-2016-pdf.pdf
The document provides examples of Latin noun declensions, asking the reader to identify cases. It covers:
- First declension nominative, accusative, and ablative forms. Examples include cistam, amicâ, and puellae.
- Second declension singular and plural forms. Examples include servum, ramos, and nuntio.
- Third declension singular and plural forms. Examples include arboribus, noctem, and voce.
The reader is quizzed on identifying cases and receiving feedback to try again or told they are correct before moving to the next example. The purpose is to practice identifying Latin noun cases.
This document contains links to 5 photos hosted on Flickr. The photos appear to depict various landscapes and cityscapes showing trees, buildings and other scenery. In summary, the document points to several external photo resources on Flickr but provides no additional context or information about the images themselves.
This document discusses the concept of multiliteracy and how communication through computer-assisted language learning (CALL) can be considered authentic communication. While CALL allows for unique communication opportunities, the materials may not be truly authentic in the same sense as pre-CALL materials. CALL may represent another dialect of a language that students need to learn.
The document discusses several perspectives on using computer-mediated communication (CMC) in second language classrooms. Some of the key points made include: CMC allows students to communicate without fear of making errors in front of others, but it may prevent genuine face-to-face interaction; noticing differences between cultures is important for language learning, and CMC provides opportunities for intercultural exchange; addressing surface-level cultural behaviors is not enough, deeper exploration of cultural beliefs and values is needed; gaining multiple perspectives on cultural practices is valuable for students. The document questions how CALL can facilitate gaining cultural understanding and competence.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that can generate returns close to or higher than inflation with low risk. They invest in short term debt instruments and have no entry/exit loads. The document provides examples of how liquid funds have outperformed savings accounts and encourages readers to speak to a financial advisor about investing in them.
The document provides an overview of Tax-Free Savings Accounts (TFSAs) in Canada, including basic features, eligibility, contribution limits, withdrawals, transfers, and strategies for using TFSAs. Key points are that TFSAs allow tax-free growth of investment income and withdrawals, contributions are not tax deductible, and unused contribution room can be carried forward to future years. The document also compares TFSAs to non-registered and RRSP accounts, and notes services an advisor can provide regarding TFSAs.
This document summarizes a presentation for barristers on running a business as a barrister. It covers topics like understanding business structures, accounting and invoicing, tax obligations, using debt, budgeting and cash flow management, asset protection, estate planning, retirement planning, and getting the right professional team. It provides an agenda and discusses concepts like understanding different entity structures, accounting on a cash basis, personal income tax rates, timing of tax obligations, using good versus bad debt, preparing budgets and cash flows, and leveraging structures like superannuation and trusts to protect assets and plan for retirement.
Mini fund overview for investors - BetterCapital Real Estate FundBobby Sharma
A Better Way to Invest
Diversifying your portfolio to include real estate investments can be complex, time consuming and capital intensive. We designed Avestor from ground up to solve investor pain points and make it simple to build out a real estate portfolio.
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.
The document provides information about prudent investing in the Indian securities market. It discusses the different asset classes like fixed income, equity, gold, and cash equivalents. It explains the importance of asset allocation and diversification across asset classes based on one's risk tolerance, time horizon, and financial goals. It also summarizes the characteristics of different financial assets and instruments in terms of their expected returns, liquidity, and safety. The document emphasizes the need to review one's financial goals and asset allocation periodically and consider taking help from a qualified investment advisor.
This document provides guidance on preparing budgets for grant applications. It stresses the importance of developing an accurate budget that reflects the proposed project activities. Tips are provided such as getting estimates and quotes, checking eligibility requirements, and ensuring income and expenditures are realistic and balanced. Guidance is also given on factors like GST registration status, accounting for in-kind contributions, and retaining documentation for acquitting funded projects.
This document provides an overview of a beginner's guide to wealth building workshop. It discusses starting a personal investment plan and contributing to defined contribution plans like 401(k)s to save for retirement. It emphasizes the importance of tax shelters and gauging your investment attitude. Sample budgets are provided to help with financial planning. The workshop also discusses creating a balance sheet to track assets and liabilities, and starting the savings habit by paying yourself first. Later sections cover various investment vehicles like stocks, bonds, mutual funds and their associated markets and indexes to consider for building an investment portfolio.
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
An RRSP is a tax-deferred retirement savings plan that allows contributions to be deducted from taxable income, investments to grow tax-free, and withdrawals to be taxed as income. The maximum annual contribution is 18% of previous year's earned income up to a yearly limit of $22,000. Unused contribution room can be carried forward. The deadline for contributions to be deducted from the previous year's taxes is March 1st. Options if out of contribution room include paying down debt, using a TFSA, or investing in tax-efficient vehicles. It is best to invest regularly in a diversified portfolio rather than try to time the market. RRSP loans are available and a TFSA may also be
This document discusses tax efficient investing using Investors Group Corporate Class Inc. funds and Allegro Corporate Class Portfolios. It provides an overview of tax planning strategies like conversions, deductions, and deferrals to reduce taxable income. It highlights how corporate class funds allow tax-deferred growth and flexibility without contribution limits. A case study shows how corporate class funds can generate over $60,000 more than regular investments over 25 years due to lower taxes. The document also discusses using series T funds for tax efficient monthly payouts through return of capital distributions.
The document provides an overview of financial planning, including the financial planning process, goals, and strategies. It discusses analyzing current financial resources and priorities, developing a personalized plan, implementing recommendations, and keeping the plan updated. It also addresses organizing personal finances through a net worth statement and budget, ways to increase net worth, and the impact of taxes on investments. The overall document serves as an introduction to financial planning concepts.
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.
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.
MIT Enterprise Forum Smart Start PresentationDavid Fogel
The document provides 10 rules for formatting financial statements and forecasts to make them credible and easy to understand for readers. It discusses developing financial projections by documenting assumptions, creating sales forecasts based on market research, spreading numbers out monthly, and integrating projections across statements. Key recommendations include showing expenses as percentages over time, highlighting revenue growth, and ensuring consistency between financials and other presentation materials. The overall message is that financial projections should tell a clear story and be presented in a way that builds confidence.
Key Advertising Opportunities in the Online Travel Industry in 2016Francesco Canzoniere
OTAs are best positioned to capture the largest share of hotel bookings. Smartphone bookings are expected to surge, particularly last-minute bookings. Cross-device will heavily
impact booking attribution. State-of-the-art apps will generate the majority of mobile bookings.
Download the full report at:
http://www.criteo.com/media/4290/travel-report-q2-2016-pdf.pdf
The document provides examples of Latin noun declensions, asking the reader to identify cases. It covers:
- First declension nominative, accusative, and ablative forms. Examples include cistam, amicâ, and puellae.
- Second declension singular and plural forms. Examples include servum, ramos, and nuntio.
- Third declension singular and plural forms. Examples include arboribus, noctem, and voce.
The reader is quizzed on identifying cases and receiving feedback to try again or told they are correct before moving to the next example. The purpose is to practice identifying Latin noun cases.
This document contains links to 5 photos hosted on Flickr. The photos appear to depict various landscapes and cityscapes showing trees, buildings and other scenery. In summary, the document points to several external photo resources on Flickr but provides no additional context or information about the images themselves.
This document discusses the concept of multiliteracy and how communication through computer-assisted language learning (CALL) can be considered authentic communication. While CALL allows for unique communication opportunities, the materials may not be truly authentic in the same sense as pre-CALL materials. CALL may represent another dialect of a language that students need to learn.
The document discusses several perspectives on using computer-mediated communication (CMC) in second language classrooms. Some of the key points made include: CMC allows students to communicate without fear of making errors in front of others, but it may prevent genuine face-to-face interaction; noticing differences between cultures is important for language learning, and CMC provides opportunities for intercultural exchange; addressing surface-level cultural behaviors is not enough, deeper exploration of cultural beliefs and values is needed; gaining multiple perspectives on cultural practices is valuable for students. The document questions how CALL can facilitate gaining cultural understanding and competence.
This document discusses inflation and liquid funds as an alternative to savings accounts. It defines inflation as rising prices of everyday goods and services. The average inflation rate in India over the last 5 years is estimated to be between 5-10%. While savings accounts offer interest of around 4%, after accounting for inflation the net returns are negative. Liquid funds are introduced as an alternative that can generate returns close to or higher than inflation with low risk. They invest in short term debt instruments and have no entry/exit loads. The document provides examples of how liquid funds have outperformed savings accounts and encourages readers to speak to a financial advisor about investing in them.
The document provides an overview of Tax-Free Savings Accounts (TFSAs) in Canada, including basic features, eligibility, contribution limits, withdrawals, transfers, and strategies for using TFSAs. Key points are that TFSAs allow tax-free growth of investment income and withdrawals, contributions are not tax deductible, and unused contribution room can be carried forward to future years. The document also compares TFSAs to non-registered and RRSP accounts, and notes services an advisor can provide regarding TFSAs.
This document summarizes a presentation for barristers on running a business as a barrister. It covers topics like understanding business structures, accounting and invoicing, tax obligations, using debt, budgeting and cash flow management, asset protection, estate planning, retirement planning, and getting the right professional team. It provides an agenda and discusses concepts like understanding different entity structures, accounting on a cash basis, personal income tax rates, timing of tax obligations, using good versus bad debt, preparing budgets and cash flows, and leveraging structures like superannuation and trusts to protect assets and plan for retirement.
Mini fund overview for investors - BetterCapital Real Estate FundBobby Sharma
A Better Way to Invest
Diversifying your portfolio to include real estate investments can be complex, time consuming and capital intensive. We designed Avestor from ground up to solve investor pain points and make it simple to build out a real estate portfolio.
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.
The document provides information about prudent investing in the Indian securities market. It discusses the different asset classes like fixed income, equity, gold, and cash equivalents. It explains the importance of asset allocation and diversification across asset classes based on one's risk tolerance, time horizon, and financial goals. It also summarizes the characteristics of different financial assets and instruments in terms of their expected returns, liquidity, and safety. The document emphasizes the need to review one's financial goals and asset allocation periodically and consider taking help from a qualified investment advisor.
This document provides guidance on preparing budgets for grant applications. It stresses the importance of developing an accurate budget that reflects the proposed project activities. Tips are provided such as getting estimates and quotes, checking eligibility requirements, and ensuring income and expenditures are realistic and balanced. Guidance is also given on factors like GST registration status, accounting for in-kind contributions, and retaining documentation for acquitting funded projects.
This document provides an overview of a beginner's guide to wealth building workshop. It discusses starting a personal investment plan and contributing to defined contribution plans like 401(k)s to save for retirement. It emphasizes the importance of tax shelters and gauging your investment attitude. Sample budgets are provided to help with financial planning. The workshop also discusses creating a balance sheet to track assets and liabilities, and starting the savings habit by paying yourself first. Later sections cover various investment vehicles like stocks, bonds, mutual funds and their associated markets and indexes to consider for building an investment portfolio.
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
An RRSP is a tax-deferred retirement savings plan that allows contributions to be deducted from taxable income, investments to grow tax-free, and withdrawals to be taxed as income. The maximum annual contribution is 18% of previous year's earned income up to a yearly limit of $22,000. Unused contribution room can be carried forward. The deadline for contributions to be deducted from the previous year's taxes is March 1st. Options if out of contribution room include paying down debt, using a TFSA, or investing in tax-efficient vehicles. It is best to invest regularly in a diversified portfolio rather than try to time the market. RRSP loans are available and a TFSA may also be
This document discusses tax efficient investing using Investors Group Corporate Class Inc. funds and Allegro Corporate Class Portfolios. It provides an overview of tax planning strategies like conversions, deductions, and deferrals to reduce taxable income. It highlights how corporate class funds allow tax-deferred growth and flexibility without contribution limits. A case study shows how corporate class funds can generate over $60,000 more than regular investments over 25 years due to lower taxes. The document also discusses using series T funds for tax efficient monthly payouts through return of capital distributions.
The document provides an overview of financial planning, including the financial planning process, goals, and strategies. It discusses analyzing current financial resources and priorities, developing a personalized plan, implementing recommendations, and keeping the plan updated. It also addresses organizing personal finances through a net worth statement and budget, ways to increase net worth, and the impact of taxes on investments. The overall document serves as an introduction to financial planning concepts.
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.
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.
MIT Enterprise Forum Smart Start PresentationDavid Fogel
The document provides 10 rules for formatting financial statements and forecasts to make them credible and easy to understand for readers. It discusses developing financial projections by documenting assumptions, creating sales forecasts based on market research, spreading numbers out monthly, and integrating projections across statements. Key recommendations include showing expenses as percentages over time, highlighting revenue growth, and ensuring consistency between financials and other presentation materials. The overall message is that financial projections should tell a clear story and be presented in a way that builds confidence.
[On-Demand Webinar] Tips to Successfully Invest in Property | Tips to Save Ta...Emily John
In this on-demand webinar you will learn how to successfully invest in property using our Premium Membership, as well as tips to minimise tax before EOFY
4 - Introduction to Securities Markets for Students.pptxpriyeshgupta17
The document provides an introduction to securities markets, including what securities are, the purpose of securities markets, primary participants such as investors and issuers, and common types of securities like stocks, bonds, and mutual funds. It also discusses key concepts like the primary and secondary markets, benefits of investing, and important considerations for choosing investment products and asset classes. Overall, the document serves as a high-level overview of securities markets and investing.
In this presentation, I have clearly explained how you can calculate your crypto taxes in India. I have also presented necessary tools that can come in really handy when you calculate your crypto tax.
National Pension System (NPS) is a government-sponsored retirement plan that allows individuals to contribute towards building a pension during their working years. NPS provides tax benefits, low costs, and flexibility. Subscribers have two account types - Tier I which contributions cannot be withdrawn from until retirement, and Tier II which allows withdrawals. Funds can be actively managed between equities, corporate bonds, and government securities, or automatically invested in a lifecycle fund based on the subscriber's age. At retirement, subscribers must use at least 40% of the accumulated amount to purchase an annuity to receive regular income for life.
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Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
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Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
"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.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
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