Prajna Capital

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• Kotak MF New FMP
• Mutual Fund MIP a Good Option In Current Markets.
• Avoid common mistakes of Investment

Kotak MF New FMP Posted: 25 Feb 2013 04:06 AM PST Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds   Kotak Mutual Fund has launched a new fund named as Kotak FMP series 99 466 days. The new fund offer (NFO) for the scheme will close for subscription on Mar 31 Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFundsInvest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

Mutual Fund MIP a Good Option In Current Markets. Posted: 25 Feb 2013 03:14 AM PST Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India) MIP'S (MONTHLY INCOME PLANS)HAVE LITTLE CONNECTION TO MARKETS. THEIR MAIN OBJECTIVE IS GENERATING REGULAR INCOME BY CONSERVATIVE INVESTMENTS. MIP IS A VERY GOOD SOLUTION IN CURRENT SCENARIO WHEN MARKETS ARE TOUCHING THE SKY. MIP INVEST FUNDS MOSTLY IN DEBT INSTRUMENTS OF COMPANIES(CORPORATES DEBT INSTRUMENTS WITH HIGHEST SAFETY RATINGS) AND SOME PORTION ONLY GETS INVESTED IN EQUITY MARKETS. EVEN IN MIP DIFFERENT FUNDS HAVE DIFFERENT APPROACH. SOME ARE AGGRESIVE WHILE OTHERS ARE CONSERVATIVE. THEY INVEST AROUND 70-85% IN DEBTS RELATED INSTRUMENTS AND REST IN EQUITY RELATED INSTRUMENTS. PAST COUPLE OF YEARS MANY MIP FUNDS ACROSS ALL THE FUND HOUSES HAVE SHOWN DECENT PERFORMANCES. HENCE ITS MORE SUITABLE FOR PEOPLE WITH CONSERVATIVE APPROACH. IT IS BETTER THAN INVESTING IN BANK DEPOSITS AND OTHER CORPORATE DEPOSITS WHERE THE RISKS OF DEFAULT CAN ALSO BE PRESENT IN SOME CASES. ALSO THE RETURNS OF BANK DEPOSIT ARE LESSER THAN MIP'S. TO SUM IT UP: MIP IS A GOOD INVESTMENT OPTION FOR PEOPLE WHO ARE RISK AVERSE. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFundsInvest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

Avoid common mistakes of Investment Posted: 25 Feb 2013 02:58 AM PST Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India) Most retail investors plan to grow their savings via investments, but most of them fail to grow the investments to their full potential. You can blame this on the common mistakes that retail investors make during the investment period. Here are some of them: 1) Lack of planning: Investments are made indiscriminately across asset classes, overlooking the investment objective or risk appetite. A strong investment or financial plan addresses the goals or objectives to be achieved after a specific period of time. Here, if one is not well-versed with the nuances of financial planning, he/she should consult a financial planner. 2) Lack of diversification: Often, investors put money only in one asset class, thereby losing the opportunity to benefit from better performing asset classes. For instance, in India, portfolios of most retail investors are locked in bank fixed deposits (FDs) instead of having a mix of mutual funds and FDs. The table here shows a diversified mutual fund portfolio of equity, debt and gold that provides higher returns than bank FDs over a 10-year period. 3) Impact of inflation: Investors often ignore the effect of rising prices or inflation on their portfolio. This is especially important in a high growth and high-inflation economy such as India. For instance, if a bank FD gives 8% returns in a year when the inflation rate is 7% (average), the real rate of return for the investor is just 1% (8%-7%), which is insignificant. Investors can beat inflation only by investing in diversified products across the asset class spectrum. 4) Not starting early: The adage 'early bird catches the worm' holds true in case of investing also. If a person starts investing early, he/she will be able to reap the benefits of compounding of returns to the maximum. For instance, Rs 1 lakh invested at the age of 35 years at the rate 10% per annum would grow to Rs 6.73 lakh in 20 years (55 years). However, the same amount if invested at the age of 25 at the same rate of interest would have grown to Rs 17.45 lakh. This is three times the growth seen from the money invested 10 years later. This is nothing but the power of compounding, which works to the advantage of those who start saving early. 5) Timing the market: Financial markets tend to move in cycles — equities have a far shorter cycle compared to debt or other asset classes. A big mistake that investors make, especially in equities, is trying to time the market. However, the risk of loss is very high if calculations go wrong. 6) Investments based on tax planning: As the financial year-end draws near, tax benefits overshadow pragmatic investment needs. Investors do not invest based on any goal or plan but only to save on tax. Investors must align their tax-saving investments according to their long-term investment plan. For instance, for young and relatively risk-averse investors, equity-linked savings schemes are a better alternative than debt instruments as equities have outperformed debt over the long term. 7) Lack of review and rebalancing: Retail investors fail to review and rebalance their portfolios. They should track their investments at regular intervals to gauge the performance. Further, portfolios must be rebalanced to match the pre-defined asset allocation. Reviewing also helps to weed out non-performers in the portfolio. 8) Lack of insurance: Insurance, both life and medical/health, should be an integral part of an investor's financial planning. This is because exigencies come unannounced and could be costly. A term plan may be preferred to an endowment or a money-back plan. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFundsInvest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

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