- There has been a 1000% rise in women opening investment accounts and taking investment actions like equity stocks and mutual funds. A survey found that previously, 58% of women preferred to save in fixed deposits, PPF, or savings accounts.
- The document discusses women investors' preferences for safety and liquidity over returns. It provides testimonies from three women investors about their positive investment experiences and lessons learned.
- The rest of the document discusses topics like the power of SIP investments, current market indicators, and a case study of a retired person using dynamic asset allocation mutual funds to generate monthly income.
- There has been close to a 1000% rise in women opening investment accounts and taking investment actions in equity stocks and mutual funds. A survey found that women now prefer safety and liquidity over returns when investing.
- The article profiles three women investors and their experiences with investing. It highlights how SIP can help women investors meet their financial goals like home repairs, anniversary celebrations, and children's education.
- The document provides information about SIP and its benefits as a convenient way to invest in mutual funds through automatic monthly deductions. It emphasizes assigning SIPs to specific financial goals to maintain investment discipline.
There has been close to a 1000% rise in women investing in equity stocks and mutual funds according to a recent survey. A senior mutual fund manager noted a significant increase in SIP openings and inquiries from women. The document discusses how women's investing habits have changed from primarily saving in fixed deposits and savings accounts to becoming more active investors. It also highlights the importance of educating and supporting these new women investors entering the financial markets.
1) There has been a whopping 1000% rise in women investing in equity stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries by women.
2) Previously in 2019, 58% of women preferred safer investments like fixed deposits, PPF, and savings accounts. However, things have now changed as more women are taking investment decisions and learning about financial markets.
3) The document discusses strategies for women investors, including real case studies of women who have benefited from long-term SIPs and using SIP to achieve different financial goals. It promotes SIP as a convenient way to invest in mutual funds through monthly deductions.
- Women investors are increasingly investing in equity stocks and mutual funds, with a reported 1000% rise in women accounts and actions in these areas. This represents a significant change from previous cautious behaviors like keeping savings in fixed deposits.
- The document discusses factors that women investors look for, like safety, liquidity, and ease of investing. It provides testimonials from three women investors about their positive investing experiences and lessons learned.
- The rest of the document discusses SIP as an investment tool, current market indicators, a case study of an annuity planner using mutual funds, and benefits of using systematic withdrawal plans from mutual funds for retirement income needs.
- There has been close to a 1000% rise in women investing in stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries from women.
- More women are now preferring to invest their savings rather than just keeping money idle in fixed deposits or savings accounts due to education about financial products.
- The document discusses various investment strategies and products that are suitable for women investors, focusing on safety, liquidity, and ease of investing through SIP.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
- There has been close to a 1000% rise in women opening investment accounts and taking investment actions in equity stocks and mutual funds. A survey found that women now prefer safety and liquidity over returns when investing.
- The article profiles three women investors and their experiences with investing. It highlights how SIP can help women investors meet their financial goals like home repairs, anniversary celebrations, and children's education.
- The document provides information about SIP and its benefits as a convenient way to invest in mutual funds through automatic monthly deductions. It emphasizes assigning SIPs to specific financial goals to maintain investment discipline.
There has been close to a 1000% rise in women investing in equity stocks and mutual funds according to a recent survey. A senior mutual fund manager noted a significant increase in SIP openings and inquiries from women. The document discusses how women's investing habits have changed from primarily saving in fixed deposits and savings accounts to becoming more active investors. It also highlights the importance of educating and supporting these new women investors entering the financial markets.
1) There has been a whopping 1000% rise in women investing in equity stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries by women.
2) Previously in 2019, 58% of women preferred safer investments like fixed deposits, PPF, and savings accounts. However, things have now changed as more women are taking investment decisions and learning about financial markets.
3) The document discusses strategies for women investors, including real case studies of women who have benefited from long-term SIPs and using SIP to achieve different financial goals. It promotes SIP as a convenient way to invest in mutual funds through monthly deductions.
- Women investors are increasingly investing in equity stocks and mutual funds, with a reported 1000% rise in women accounts and actions in these areas. This represents a significant change from previous cautious behaviors like keeping savings in fixed deposits.
- The document discusses factors that women investors look for, like safety, liquidity, and ease of investing. It provides testimonials from three women investors about their positive investing experiences and lessons learned.
- The rest of the document discusses SIP as an investment tool, current market indicators, a case study of an annuity planner using mutual funds, and benefits of using systematic withdrawal plans from mutual funds for retirement income needs.
- There has been close to a 1000% rise in women investing in stocks and mutual funds according to a recent survey, with a significant increase in SIP openings and inquiries from women.
- More women are now preferring to invest their savings rather than just keeping money idle in fixed deposits or savings accounts due to education about financial products.
- The document discusses various investment strategies and products that are suitable for women investors, focusing on safety, liquidity, and ease of investing through SIP.
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
The document is a newsletter from an investment advisory firm called Just Invest Online. It provides updates on the stock market and economy. It advises readers that if they are invested in good businesses through diversified equity funds, they should remain confident and hold during volatility. It also discusses how life expectancy has increased in India, meaning people need to save more for longer retirements. It profiles a woman who started a SIP in 2007 and saw her investment grow over 13 years to nearly 10 times her total contributions, demonstrating the power of long-term investing and remaining invested during downturns.
This document discusses the risks associated with investing in debt mutual funds. The two main risks are duration risk and credit risk. Duration risk stems from interest rate fluctuations - when rates rise, bond prices fall and vice versa, affecting the fund's net asset value. Credit risk is the risk of defaults from bond issuers. A downgrade in an issuer's credit rating can lead to a markdown in the fund's holdings and a reduction in net asset value, even if the issuer does not default. Both risks can be mitigated by investing in funds that focus on high-quality debt instruments.
The document discusses the performance of various assets in August 2021. It notes that major Indian stock indices Nifty and Sensex continued their upward momentum from April. Some investors are fearful while others are greedy in the current scenario. It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs 14,500 crore, making it the largest NFO in India so far. This signals growing acceptance of mutual funds among retail investors in India. The editorial discusses maintaining steady growth in investments by selling when the world becomes greedy and buying when fearful, as per Warren Buffett's advice. It asks what the current market situation implies for equity allocation.
Rely on yourself ! How retirement goal can help an investor to maintain their lifestyle without depending on other. It was worked out based on the current monthly expenses and assumed inflation.
Monthly newsletter by seeman distributors- November editionAshis Kumar Dey
The newsletter provides information on investing, savings, and wealth creation. It discusses the importance of savings for wealth creation and how investing plays a role. It emphasizes that the game of wealth creation starts with proper savings. It also contains sections on investment advice, a case story on retirement planning, market indicators, and questions from readers.
The document provides an introduction to mutual funds, explaining what they are, how they work, and their benefits. It discusses the different types of mutual funds, how NAV is calculated, and why SIP or systematic investment plans are an effective way to invest in mutual funds. The summary is as follows:
(1) A mutual fund is an investment vehicle that pools money from many investors to purchase securities like stocks, bonds, and other assets. Investors buy units of a fund and share in the profits or losses from the traded securities.
(2) Mutual funds offer diversification and professional management of a portfolio for a relatively low cost. They allow small investors to participate in markets and achieve adequate returns through long
This document provides an introduction and overview of mutual funds. It defines mutual funds as investment vehicles that pool money from many investors and invest it in stocks, bonds, and other securities. By investing in a mutual fund, investors can achieve diversification and professional management of their money at a relatively low cost. The document emphasizes the benefits of mutual funds such as tax benefits, regulation, transparency, and liquidity. It also describes different types of mutual funds such as equity funds, debt funds, hybrid funds, and money market funds. Overall, the document serves as a basic guide for investors interested in learning more about mutual funds.
Tom Naughton's Prusik Asian Equity Income fund has performed strongly over the past year, returning 18% compared to the sector average of 14%. The fund focuses on high-conviction, small-cap stocks in Asia and has a current yield of 4.8%. Naughton cites good stock picking across markets as the main driver of recent performance. However, he acknowledges mistakes including an underweight position in outperforming Australia and overweights in underperforming Hong Kong and China. He remains cautious on India given high valuations and sees a potential Chinese banking crisis as one of the largest risks to the portfolio.
The document discusses why patience pays off for investors in equities over the long term. It provides several reasons why equities have consistently delivered higher returns than other asset classes over periods of 10-15 years. It emphasizes that short-term volatility in stock markets averages out over long periods. By staying invested for decades and not panicking over short-term dips, investors can earn high returns while facing minimal risk. It also highlights India's strong economic growth potential and improving social indicators, noting this bodes well for the country and stock market performance in the coming decades.
The document discusses the performance of Indian stock markets and debt markets. It mentions that stock indices Nifty and Sensex are maintaining bullish momentum. Domestic fund managers are regularly buying equities due to high liquidity in the market. Debt markets are also performing well due to upgrades in corporate debt ratings. As a result, hybrid and dynamic allocation funds have outperformed many equity funds in recent months. The document cautions investors to be careful during bull markets to avoid high risk investments.
A simple presentation which will help you understand the smarter way to investing through Goal-Based planning. It will help you understand the way to maximise returns at low risks.
The editorial summarizes the April 2021 issue of the monthly newsletter, which covers key concerns about the market's reaction to rising COVID cases. It highlights featured articles on volatility management and a case story that will inspire readers. The issue aims to help readers understand the market pulse during the COVID crisis and provides strategies to ride out volatility.
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
Personal finance basics by Jagoinvestor.comVarun Krishna
The document describes a collection of 8 personal finance articles for young investors from the website www.jagoinvestor.com. The articles provide advice on topics like maintaining emergency cash, avoiding loans, tracking expenses, investing in mutual funds and real estate, and buying term insurance. Managing finances well through smart spending and saving can help young investors achieve their goals without taking on debt.
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to plan, you are planning to fail.”Finance is a very integral part of our lives. We work hard all throughout, fulfilling wishes like buying a house, going on a dream vacation, children’s marriage, child’s education and much more. But all the hard work will not have any significance if one doesn’t make a proper Goal plan for their future. A proper plan of investments Mix that will give good yields at proper time is a must for everyone.
- The newsletter discusses equity indices continuing their positive trend despite lockdowns in India amid the COVID crisis. It provides an overview of key issues around portfolio strategies during this time.
- It also covers how gold reacted to news of Russia announcing vaccine testing and how it later stabilized.
- The newsletter is meant to help readers with money management and making better investment decisions during uncertain times.
This document provides information about systematic investment plans (SIPs) and their benefits for long-term wealth creation and beating inflation. It discusses how SIPs allow regular investing in mutual funds to take advantage of rupee cost averaging and compounding returns. The document recommends choosing an equity mutual fund and investing a fixed amount each month for at least 10-20 years to benefit from SIPs and achieve long-term goals like retirement. It includes illustrations of how even small monthly investments can grow into large sums over time through the power of compounding returns.
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.
This newsletter discusses savings and investment planning. It emphasizes the importance of adequate savings to meet long-term financial goals with low risk. It profiles a client, Rajath, who was concerned about retirement. The advisor suggested he invest in a SIP for an "angel kid" which would grow to support his retirement. As of 2020, the "angel kid's" investments of Rs. 14.9 lakhs had grown to Rs. 38.46 lakhs. The newsletter encourages others to create an "angel kid" portfolio through SIP to fund their retirement. It also provides market indicators and answers questions about risk ratings and fixed income mutual fund options.
The document is a newsletter from an investment advisory firm called Just Invest Online. It provides updates on the stock market and economy. It advises readers that if they are invested in good businesses through diversified equity funds, they should remain confident and hold during volatility. It also discusses how life expectancy has increased in India, meaning people need to save more for longer retirements. It profiles a woman who started a SIP in 2007 and saw her investment grow over 13 years to nearly 10 times her total contributions, demonstrating the power of long-term investing and remaining invested during downturns.
This document discusses the risks associated with investing in debt mutual funds. The two main risks are duration risk and credit risk. Duration risk stems from interest rate fluctuations - when rates rise, bond prices fall and vice versa, affecting the fund's net asset value. Credit risk is the risk of defaults from bond issuers. A downgrade in an issuer's credit rating can lead to a markdown in the fund's holdings and a reduction in net asset value, even if the issuer does not default. Both risks can be mitigated by investing in funds that focus on high-quality debt instruments.
The document discusses the performance of various assets in August 2021. It notes that major Indian stock indices Nifty and Sensex continued their upward momentum from April. Some investors are fearful while others are greedy in the current scenario. It also reports that SBI Mutual Fund's new fund offer of SBI Balanced Advantage Fund collected Rs 14,500 crore, making it the largest NFO in India so far. This signals growing acceptance of mutual funds among retail investors in India. The editorial discusses maintaining steady growth in investments by selling when the world becomes greedy and buying when fearful, as per Warren Buffett's advice. It asks what the current market situation implies for equity allocation.
Rely on yourself ! How retirement goal can help an investor to maintain their lifestyle without depending on other. It was worked out based on the current monthly expenses and assumed inflation.
Monthly newsletter by seeman distributors- November editionAshis Kumar Dey
The newsletter provides information on investing, savings, and wealth creation. It discusses the importance of savings for wealth creation and how investing plays a role. It emphasizes that the game of wealth creation starts with proper savings. It also contains sections on investment advice, a case story on retirement planning, market indicators, and questions from readers.
The document provides an introduction to mutual funds, explaining what they are, how they work, and their benefits. It discusses the different types of mutual funds, how NAV is calculated, and why SIP or systematic investment plans are an effective way to invest in mutual funds. The summary is as follows:
(1) A mutual fund is an investment vehicle that pools money from many investors to purchase securities like stocks, bonds, and other assets. Investors buy units of a fund and share in the profits or losses from the traded securities.
(2) Mutual funds offer diversification and professional management of a portfolio for a relatively low cost. They allow small investors to participate in markets and achieve adequate returns through long
This document provides an introduction and overview of mutual funds. It defines mutual funds as investment vehicles that pool money from many investors and invest it in stocks, bonds, and other securities. By investing in a mutual fund, investors can achieve diversification and professional management of their money at a relatively low cost. The document emphasizes the benefits of mutual funds such as tax benefits, regulation, transparency, and liquidity. It also describes different types of mutual funds such as equity funds, debt funds, hybrid funds, and money market funds. Overall, the document serves as a basic guide for investors interested in learning more about mutual funds.
Tom Naughton's Prusik Asian Equity Income fund has performed strongly over the past year, returning 18% compared to the sector average of 14%. The fund focuses on high-conviction, small-cap stocks in Asia and has a current yield of 4.8%. Naughton cites good stock picking across markets as the main driver of recent performance. However, he acknowledges mistakes including an underweight position in outperforming Australia and overweights in underperforming Hong Kong and China. He remains cautious on India given high valuations and sees a potential Chinese banking crisis as one of the largest risks to the portfolio.
The document discusses why patience pays off for investors in equities over the long term. It provides several reasons why equities have consistently delivered higher returns than other asset classes over periods of 10-15 years. It emphasizes that short-term volatility in stock markets averages out over long periods. By staying invested for decades and not panicking over short-term dips, investors can earn high returns while facing minimal risk. It also highlights India's strong economic growth potential and improving social indicators, noting this bodes well for the country and stock market performance in the coming decades.
The document discusses the performance of Indian stock markets and debt markets. It mentions that stock indices Nifty and Sensex are maintaining bullish momentum. Domestic fund managers are regularly buying equities due to high liquidity in the market. Debt markets are also performing well due to upgrades in corporate debt ratings. As a result, hybrid and dynamic allocation funds have outperformed many equity funds in recent months. The document cautions investors to be careful during bull markets to avoid high risk investments.
A simple presentation which will help you understand the smarter way to investing through Goal-Based planning. It will help you understand the way to maximise returns at low risks.
The editorial summarizes the April 2021 issue of the monthly newsletter, which covers key concerns about the market's reaction to rising COVID cases. It highlights featured articles on volatility management and a case story that will inspire readers. The issue aims to help readers understand the market pulse during the COVID crisis and provides strategies to ride out volatility.
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
Personal finance basics by Jagoinvestor.comVarun Krishna
The document describes a collection of 8 personal finance articles for young investors from the website www.jagoinvestor.com. The articles provide advice on topics like maintaining emergency cash, avoiding loans, tracking expenses, investing in mutual funds and real estate, and buying term insurance. Managing finances well through smart spending and saving can help young investors achieve their goals without taking on debt.
There is a Saying, “ IF YOU FAIL TO PLAN, YOU PLAN TO FAIL” .. i.e. “If you fail to plan, you are planning to fail.”Finance is a very integral part of our lives. We work hard all throughout, fulfilling wishes like buying a house, going on a dream vacation, children’s marriage, child’s education and much more. But all the hard work will not have any significance if one doesn’t make a proper Goal plan for their future. A proper plan of investments Mix that will give good yields at proper time is a must for everyone.
- The newsletter discusses equity indices continuing their positive trend despite lockdowns in India amid the COVID crisis. It provides an overview of key issues around portfolio strategies during this time.
- It also covers how gold reacted to news of Russia announcing vaccine testing and how it later stabilized.
- The newsletter is meant to help readers with money management and making better investment decisions during uncertain times.
This document provides information about systematic investment plans (SIPs) and their benefits for long-term wealth creation and beating inflation. It discusses how SIPs allow regular investing in mutual funds to take advantage of rupee cost averaging and compounding returns. The document recommends choosing an equity mutual fund and investing a fixed amount each month for at least 10-20 years to benefit from SIPs and achieve long-term goals like retirement. It includes illustrations of how even small monthly investments can grow into large sums over time through the power of compounding returns.
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.
This newsletter discusses savings and investment planning. It emphasizes the importance of adequate savings to meet long-term financial goals with low risk. It profiles a client, Rajath, who was concerned about retirement. The advisor suggested he invest in a SIP for an "angel kid" which would grow to support his retirement. As of 2020, the "angel kid's" investments of Rs. 14.9 lakhs had grown to Rs. 38.46 lakhs. The newsletter encourages others to create an "angel kid" portfolio through SIP to fund their retirement. It also provides market indicators and answers questions about risk ratings and fixed income mutual fund options.
1. The document discusses personal finance topics like income planning, goal setting, emergency funds, and retirement planning. It provides examples of systematic investment plans and how to build an emergency fund.
2. It emphasizes the importance of goal-based investing and identifies common financial goals like emergency funds, vehicle purchases, home buying, children's education, and retirement. Specific investment strategies are suggested for each goal based on time horizon.
3. Large cap, mid cap, and small cap mutual funds are described for long term goals. The document stresses starting early with retirement planning and investing at least 5-15% of income towards building a retirement corpus.
This document provides guidance on how to grow small monthly savings of a few thousand rupees into 1 crore rupees over the long run through disciplined mutual fund investments. It recommends starting SIP investments as early as possible in equity mutual funds and increasing the amount annually to benefit from compounding returns. Choosing the right funds like balanced, tax saving or multi-cap funds and continuing investments through market ups and downs is key to achieving the 1 crore goal in 15-30 years depending on the initial investment amount and return assumptions. Annual reviews can optimize the investment based on fund performance.
The document discusses the importance of financial planning in India. It notes that only 3% of Indians have life insurance and 30% lack health insurance, with most relying on children for retirement. A financial planner can help achieve important life goals by creating a tailored plan addressing insurance, investments, taxes, and more. The document emphasizes starting financial planning early to benefit from compound returns over decades and protect against inflation. It also highlights the risks of equity investing but notes that systematic investment plans can help reduce volatility and take advantage of downturns through rupee cost averaging.
This newsletter provides information on investing topics to readers. It thanks readers for feedback on the previous issue. An article discusses how quality stocks have continued strong returns and are expected to keep outperforming. It encourages readers to learn good investing habits like SIP and SWP. Another article discusses the importance of financial planning and goal setting. It introduces the company's online investing platform and services. The issue also includes sections on investment tips, a case story of parents investing for their daughter's education, market indicators, and a Q&A column.
The document is a financial newsletter that provides information on mutual funds and retirement planning. It includes the following:
1) A table showing the 1, 3, and 5 year returns of various mutual funds across categories like large cap, mid cap, multi cap, tax planning, hybrid, and debt funds. The 5-year returns of Mirae Asset Emerging Bluechip mid-cap fund are the highest at 22.35%.
2) Suggestions from financial experts for the upcoming budget, including raising tax exemption limits and introducing a separate limit for equity-linked savings schemes (ELSS) funds.
3) Ten ideas for beneficial tax and investment changes, such as making the National Pension System (
The newsletter provides an overview of the market reaction to rising COVID cases in April 2021. It discusses how markets remained volatile as investors had mixed views on how long cases would continue rising and the impact on the economy. Key indices ended about where they started after seeing selling by foreign investors but buying by domestic investors. The article also provides a case study of an investor who began SIP investments at age 27 and now has a portfolio worth Rs. 82 lacs, demonstrating the power of compounding returns over time through disciplined SIP investments. It recommends dynamic asset allocation funds as a way to benefit from equity upside while reducing risk through adjusted allocations based on market movements.
This newsletter will provide you the educative stuffs and motivating stories to help you in taking informed investment decisions. This is private circulation by KCI Moneyline
The document summarizes the key points from a newsletter sent by FundsIndia to its investors. It discusses the strong performance of equity markets in January, encouraging investors to remain invested during downturns. It also mentions Fidelity mutual funds considering strategic options like a potential sale. Additionally, it announces FundsIndia is revamping its website user interface by the end of the month.
The newsletter provides an overview of the stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While most analysts believe the bull run will continue for the next 4-5 years, returns may not remain as high and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles an inspiring case study of an individual who achieved his financial goal of Rs. 1 crore by consistently investing in SIPs over 10 years. The newsletter emphasizes managing emotions and remaining invested in equities through this market rally
The monthly newsletter by seeman fiintouch LLP APRIL 2022Ashis Kumar Dey
STAY FIRM - INDIA IS DOING WELL
Trending MF Themes
Equity Market is at a pause – NIFTY &SENSEX is down by almost 2% from its 31st March closing.
What is the best method to create good wealth ?
The document discusses the importance of financial planning for homemakers. It highlights three key points:
1. Financial planning is essential for everyone as it helps people meet life goals like buying a home, saving for children's education, and planning for retirement through proper management of finances.
2. It is important for homemakers to understand household finances so they are prepared in case the primary income earner can no longer manage the budget. This involves creating a budget, understanding expenses, and making sure the homemaker has access to financial accounts and documents.
3. The power of compounding interest is an important concept for long-term wealth creation. Even small regular investments can grow substantially over time due to compounding
Doubleplus_Finserve_Newsletter_April_22.pdfBhavesh Shah
- India's large-cap equity market indices (Nifty and Sensex) were down around 2% year-to-date in April 2022, causing large-cap focused mutual funds to also be in the red.
- However, experts say not to worry as India has performed well relative to other economies, with the World Bank noting India's integration into the global economy and average 7% GDP growth.
- Investing strategies have evolved beyond just large-caps - themes like energy, infrastructure, and ESG are emerging wealth creators, so maintaining a diversified portfolio remains important.
Wallet4Wealth delivering you a monthly news letter to manage your personal finance. In our previous issue we discussed about India being in a Sweet Spot! Amidst current Global disturbances, FIIs are looking at India as a safe zone for investments; our stringent trade policies and huge consumer base is an unsaid attraction for every investor. Hence most of the investment experts are bullish about Indian equity market.
However the key thing to understand here is - where to invest? It looks promising but costly, Energy & Infra looks cheaper and attractive, large Cap is safe but unable to create enough alpha (returns)...... so a perfect Asset Allocation is must to be followed by every investor. Read more about some SMART Mutual Fund schemes or categories which provides easy maneuvering between the Assets, Sectors and Securities.....
If you want to give any feedback you can suggest us in the comment box. Also do like and share to motivate us so that we will provide you latest information in our next newsletter. For more update visit our website https://wallet4wealth.com/
Thank you.
- India is seen as a relatively safe investment destination amid global disturbances. However, investors need to carefully choose where to invest as different sectors and market caps offer different risks and returns.
- While large caps have underperformed year-to-date, India's economy is expected to grow steadily at around 7% going forward, supported by government policies.
- Investing is no longer just about large caps; themes like energy, infrastructure and ESG are emerging areas of opportunity in mutual funds beyond just large caps. Diversification across assets, sectors and securities is important.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
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
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.
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.
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.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
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?
1. INVESTMENT KNOWLEDGE CENTER
INTHISISSUE
- Power of SIP, ready
reckoner Values
- Market Indicator, US
Market did extremely good
- Investment Story of Dr.
Ram, a smart annuity
planner
- Review your Health Life
Insurance
WoppingriseinWomen
investor'sinlastYear
More women are taking investment
decision
Women were 'recklessly cautious' when it comes to
savings, as nearly 58 per cent prefer to park their
money in either fixed deposits, public provident
fund (PPF) or letting it lie in their savings account,
according to a survey done in 2019.
But things have changed now ! A recent survey
done in March 2021 (source ET Now), shows that
there is close to 1000% rise in women account and
actions in Equity Stocks and Mutual Funds. We
have seen a wopping rise in SIP opening and SIP
inquiries by women, said a senior manager of
Mutual Fund Company.
I personally appreciate this change and am super
excited to educate . motivate and serve these new
entrants in Financial Market.
(Sandeep Garg)
Managing Director
JUNE 2021
A MONTHLY NEWSLETTER ON INVESTING PERSONAL FINANCE
S I P
Page 1
2. Easy to
invest, Safe
Liquid
WHAT DOES A WOMEN
LOOK FOR WHILE
INVESTING ?
A survey says that
women investors prefer
Safety and Liquidity
over Returns. And they
are quick learner in
terms of basic details of
any product
WE PERSONALLY MET 3
WOMEN INVESTOR TO
COLLECT THEIR
INVESTING EXPERIENCE
AND LEARNINGS....
...... read these 3 short
testimonies to get inspired for
your own personal finance.
...contd
Page 2
3. I used to save around five to ten thousand per month through my kitty
groups. Over the years these savings grew to a decent sum of 14 lakhs, which
I use to keep in cash. Post demonetization era, I invested this home held
savings into some equity funds as suggested by my Financial Distributor.
Today, when I see the actual valuation of my 14 lakhs become almost 26
lakhs in just 4.5 years, I actually repent for the opportunity loss of all those
years when I kept the fund lying idle in my drawer. So, my message to all the
housewives – “Don’t let your money die in your drawer, invest it in some
good equity funds as per your risk appetite.” – Laxmi Saxena (48 yrs.),
Housewife
Investing in SIP is great fun ! My mutual fund distributor
introduced me to this unique investment method, which
can be mapped with any of your financial objectives.
Today I run SIP for Rs. 1000, 2000, 500, 1500 and 750 for
my goals like home painting, 25th anniversary, maid’s
daughter’s education, emergency and misc. expenses
respectively. So, my message to all the women over
there – “A small SIP of Rs. 1000 per month can become
2.5 lakhs in 10 years – you just have to identify the
right scheme and stick to disciplined savings”. – Gita
Majumdar (36 yrs.), Teacher
For the first few years of my marriage, savings and investment was not my
domain in the household. It was completely managed by my husband and
other male members in the family. However, I kept asking them about their
future planning and investment targets. After sometime I realised that their
investments were just done randomly, without any specific Goals or Targets.
And then I realized that my personal dreams are not included in my husband’s
financial plans. Hence, I started putting aside some funds out of my monthly
pocket money, to create a kitty for my dreams. Fortunately, I found an
encouraging and helpful MF distributor who explained to me the concept of SIP
– Systematic Investment Plan. Through my personal savings of around Rs.
10,000 per month in SIP, I have accumulated around 25 lakhs as on date. My
message to all the housewives – “Discuss and ensure that your personal and
family goals are included in your husband’s investment plans; if not, then
start on your own. SIP is very simple and powerful tool of investments” –
Mamta Patil (40 yrs.), Housewife
Page 3
4. CHAPTER 1
W h y S I P i s t h e b e s t I n v e s t m e n t T o o l f o r R e t a i l
I n v e s t o r s ?
S I P o f R s 5 0 0 0 / - s t a r t e d o n 1 s t J u l y 2 0 1 0 , h a s b e c o m e R s 1 8 . 8 4 l a c s a s o n 1 s t
J u l y 2 0 2 1 ( A c t u a l F i g u r e )
WHAT ?
SIP is a short form for
Systematic Investment Plan; as
the name suggest, it is a method
of regular investments. Like-
when u invest a Fixed amount
every month in a Mutual Fund
Scheme, it is called a SIP
HOW ?
Opening a SIP account is very
very simple. You just need to
check if you are a KYC compliant,
and then sign a ACH mandate
with your MF Distributors, for
monthly deduction of the SIP
amount; that's it !
WHERE ?
It is adviced to start the SIP in a
diversified Equity Fund, for better
long term growth. SIP works on
the principle of SNOW BALL
theory - longer you go, bigger it
grows . Volatility is the food for
SIP
3 TIPS TO GET THE BEST
FROM YOUR SIP
SIP is a very convenient method of investing in
mutual funds through standing instructions to debit
your bank account every month, without the hassle
of having to write out a cheque each time.
Currently, mutual funds have 3.73 crore SIP
accounts through which investors regularly invest in
Indian mutual fund schemes.
Page 4
5. SIP is nothing but a piggy bank ! You should assign all your SIP to your
Financial Goals, like- SIP for home painting, SIP for Foreign Vacation, SIP for
Social Gifting, SIP for Kids education etc. This will help you maintain the
discipline of investments and inspire you to save.
Always check your estimated future Value, before starting a SIP; I have given
below the reference table of Rs 1000/- per month at an assumed rate of 12%
p.a*, just for your help
1
2
Note : Above table is just a ready reference for your help. 12% p.a is just an
indicative returns, taken for the purpose of calculation. Actual Average ROI of
Top 5 Diversified Equity funds is 18.5% p.a , in 20 Years period
Page 5
6. Take your first Step towards wealth creation . Learn more about SIP. Meet us or
call us freely to know all about SIP.
Always allocate your SIP according to your target period and Liquidity
requirement. Like, if you want to start a SIP for a shorter period ( 5 years) ,
then prefer a large Cap or Hybrid Fund , and if you are looking to start a SIP
for longer period ( 7-10 years or more), you can select Midcap or Small Cap
Funds. I have given below the real historic chart of some of the long term
SIPs in Indian Equity Mutual Funds :
One can see the advantage of SIP over a long term - SIP of Rs 5000 per
month has been converted to huge wealth , if you have kept the discipline of
inevsting
3
Page 6
Sandeep Garg
Managing Director
Call : +91-98141-23225,
+91-86999-92760
7. CHAPTER 2
M a r k e t I n d i c a t o r s A s o n 3 0 / 0 6 / 2 0 2 1
Page 7
9. While we have used our reasonable efforts to ensure the accuracy of the data used in this website. If you find any
error or omission in the data, please report to us for correction and rectifications
Page 9
10. Contrary to above, if you create similar annuity from a dynamic asset allocation mutual
fund, you will only be required to pay taxes on the profit portion of the withdrawal , and
that too at the rate of 10% only (assuming that the withdrawal has started after 1 year
of investment). So technically, Rs. 1 lakh per month would actually mean Rs. 98,000
after tax (assuming 10% flat tax on the gain portion).
You must be wondering how this taxation thing works in case of withdrawal from mutual
funds. Let’s see a small example –
Say , you invested Rs 50 Lacs in a Dynamic Asset Allocation Fund @ Rs 10/- per unit.
You will get 5,00,000 units. If u start the SWP of Rs 50,000/- per month, the scheme will
redeem your units every month, to credit the amount. Assume that the first withdrawal
starts after 1 year , when the NAV was Rs 12/-. In the withdrawal of 50000, scheme will
sell around 4166 units. For taxation purpose, the gain will be calculated on 4166 x 2 = Rs
8333/- only. That makes SWP better than any other form of Income
CHAPTER 3
R e a l C a s e S t o r y
More and more retired people are now opting for dynamic asset
allocation mutual funds for meeting their monthly income need
Most of the Government schemes provide the annuity of around Rs. 620 – 675 per lakh
per month, which makes it around 7% per annum. These annuities are added as income
and taxed as per the actual slab of the investor. Technically, Rs. 1 lakh per month would
actually mean Rs. 80,000 only after tax (assuming a 20% tax slab).
Read this real case story of Dr. Ram (changed name) who used some dynamic asset
allocation mutual funds, also known as balanced advantage funds, to generate monthly
income for himself starting from 17th July 2019
Age : 62 years
Requirement : Rs. 27,750 per month
Available corpus : Rs. 40 lakhs
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11. Message of the story: If you want to beat inflation and
live your retirement happily, you must explore the SWP
method to meet out your annuity requirement
. . . c o n t d
Such automatic withdrawal scheme from a mutual fund is called SWP (Systematic
Withdrawal Plan). Creating an annuity through SWP method is beneficial in many ways
like tax efficiency, capital appreciation and easy liquidity. The only disadvantage of
such withdrawal scheme is that there is no guarantee of your capital as it is linked
with the market price of units. However, if such withdrawals are taken from a
dynamic asset allocation fund, the risk of capital erosion comes down
As you see in the table above, Dr. Ram withdrew Rs. 27,750/- every month starting
from 17th July 2019; still his fund value has grown from 40 lakhs to 46.75 lakhs.
That’s the beauty of SWP ! Now Dr. Ram is planning to step up his SWP amount to Rs.
30,000 per month, because he has now got a bigger capital to use.
If you are building an investment portfolio, it is better to diversify your portfolio so
that it helps you in balancing the overall investment risk. If you are one of those who
don’t want to invest in financial products that offer low fixed interest rates and is keen
on seeking capital appreciation through investments in market linked schemes, you
can consider investing in mutual funds.
Page 11
12. Read on to find out how you can pick the right insurance cover – should you opt for
the Covid-specific insurance covers or should you go for a comprehensive health, term
plan?
In 2020, insurance companies rolled out the Corona Kavach and Corona Rakshak covers
on the basis of guidelines issued by the Insurance Regulatory and Development
Authority of India (IRDAI). These standard health insurance policies cover the treatment
cost of the coronavirus disease. These policies are issued for very short-term and was
supposed to remain valid until March 31, 2021. IRDAI has now allowed insurers to offer
and renew these Covid-19 specific health policies up to September 30, 2021
The Corona Kavach has the lowest initial cooling period of 15 days compared to 30 days
for comprehensive health plans. The sum assured of the Corona Kavach ranges from Rs
50,000 to Rs 5 lakh
CHAPTER 4
N a t i o n a l I n s u r a n c e A w a r e n e s s D a y - 2 8 t h J u n e
Buy the best life and health insurance plans for yourself against
coronavirus
Last week, we had shared few Blogs on choosing and buying the appropriate insurance
plan. We all have learnt the importance of having insurance and having an adequate
amount of it, from the novel coronavirus pandemic . On the National Insurance
Awareness Day, we urge you all to review your insurance covers – both health and life
insurance.
Primarily, COVDI19 has been observed to have long term side effects on an infected
body which requires medication beyond COVID19 related expense which is not covered
under COVID19 specific policies but a standard health care plan take care of the same.
Also in case of a side effect caused to due COVID19 vaccination which requires
hospitalisation is also taken care by the health care plan, unlike COVID19 specific which
restricted till COVID19 illness hospitalisation.
Page 12
13. If you do not have any life insurance protection, then these coronavirus-specific plans,
which offer very little coverage, may not be of much help especially if the policyholder
dies due to Covid-19. Therefore, it is better to go for a basic term plan that secures
your family financially after your death.
You must have a life insurance plan as soon as possible to secure the future of the
family in case of the demise of an individual. Moreover, it is always emphasised that a
life insurance policy should be bought early in life to enjoy its benefits such as lesser
premium with higher returns and to wisely plan the future of your family
The Corona Rakshak policy is a benefit-based plan where 100 per cent sum insured is
paid to the insured if he/she gets hospitalised as per policy terms and conditions. The
policy will only cover individuals.
Rather than compensating the actual expense of treatment, this policy pays the entire
benefit amount on occurrence of the covid infection above a defined level of severity.
To be eligible to receive the entire sum assured, the policyholder has to be hospitalised
for a minimum continuous period of 72 hours.
When should you go for Corona Rakshak?
Page 13
14. Q : Can I buy a Mutual Fund Unit under D
mat holding ? How can I do that ?
Ans : Yes, you can buy mutual fund units in
D mat account also; since mutual fund units
are not transferrable, hence it is safe to
keep in physical mode also. Still, if you need
to buy units in D Mat form then you need to
open a separate MF trading account with
us. Contact us freely to get the same
Q : What is the waiting period in a Medical
Policy ?
Ans : I think, you want to ask about the
claim rules on pre existing decease. It
actually differs from policy to policy and
company to company. Generally, ENT
treatment or surgery has a wait period of 3
years, Diabities, Hypertension etc have a
wait period of 1 years , and so on. Please
check for the limitations before buying any
health policy
Q : I am a 24 yrs working executive; I want
to accumulate Rs 1 Cr in next 10 years. How
much SIP should I start with, to reach this
target ?
Ans : Assuming that your selected scheme
will deliver around 12% p.a, you need to
invest Rs 45000 per month to make 1 Cr in
10 years. However, the scheme selection is
very important to ensure appropriate Risk
Reward matching in this case
Q : Why there is no Guarantee in MF Schemes ?
Ans : Mutual Fund means - your fund ! I mean,
every unit holder is the owner of the fund in
proportion of their holdings. So all the profit
and loss of the portfolio is proportionately
divided between the unit holders.
This division of Profit Loss is done everyday
and announced to the public, in form of NAV (
Net Asset Value). This NAV can go up or down,
on the basis of market value of the securities
bought by the fund. There is no guarantee that
the fund NAV will go up or go down next day.
Hence Mutual Funds do not guarantee any
returns.
Q : Is it an appropriate time to Book profit
from my Equity portfolios ?
Ans : Such questions are very personalised and
situational . Still, I can say that profit booking
is not so easy , because it creates a bigger risk
of re-investment ! So, if things are running fine
and your fund is doing better than index, stick
to it and hold your positions. It is seen that Buy
and Hold strategy has created much bigger
wealth as compared to any other strategy
Have Questions ?
Mail us today
Page 14
15. Disclaimer :
Mutual Fund investments are subject to market risks, read all scheme related
documents carefully. The NAVs of the schemes may go up or down depending upon the
factors and forces affecting the securities market including the fluctuations in the
interest rates. The past performance of the mutual funds is not necessarily indicative of
future performance of the schemes. The Mutual Fund is not guaranteeing or assuring
any dividend under any of the schemes and the same is subject to the availability and
adequacy of distributable surplus. Investors are requested to review the prospectus
carefully and obtain expert professional advice with regard to specific legal, tax and
financial implications of the investment/participation in the scheme.
While all efforts have been taken to make this Newsletter as authentic as possible, we
will not be responsible for any loss to any person/entity caused by any short-coming,
defect or inaccuracy inadvertently or otherwise crept in this Newsletter
Thank you
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