Prajna Capital

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• Use Mutual Funds to invest in Several Asset Classes
• Templeton India Equity Income Fund
• Difference between fiscal deficit and current account deficit

Use Mutual Funds to invest in Several Asset Classes Posted: 21 Aug 2013 05:18 AM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)   They help you invest in different asset classes at low cost, offer higher liquidity     It's been about 50 years that mutual fund as an investment vehicle made its debut in India and about two decades that private sector was allowed to set up their own fund houses in India. Yet, there is a widespread perception among most investors as well as non-investing people that mutual funds themselves are an asset class. This perception is actually far from the reality. Mutual fund schemes are a bridge to reach a definite asset class, be it equity, stocks, shares, debt, bonds, fixed income instruments and gold. In several countries around the world, one could also invest in commodities, real estate and several other asset classes through the mutual fund route. However, those are yet to be launched in India. Financial planners and advisors say that the main reason behind such perception is the lack of knowledge and understanding, not only among the investing public but also among the planners, advisors and distributors also. Often, it is heard that distributors of several financial products telling their clients that invest some in FD, some in equity —meaning directly into stocks — and some in mutual funds. That's the level of understanding among people. The fact is mutual funds are vehicles to a particular asset class through which you can reach your financial destination. It's like if you want to go from Mumbai to Delhi, you can either take a train, or a flight or you can even choose to drive down. Likewise, you can use the fund route to reach your financial destination through investments in equity, debt or gold. The advantage here is you can also have a mix of two or all in your portfolio. As an investment vehicle, mutual funds can also offer you the opportunity to invest in some specific investment products which otherwise would be difficult for you to invest. For example, through the debt fund route, one can take exposure to treasury bills, call money, government securities, etc, which otherwise would have been difficult for any individual small investor to enter said. Similarly, in several countries there are real estate mutual funds, which the industry regulator is considering allowing in India. Suppose you have Rs 1 crore to invest and want an exposure in the real estate sector. Through a real estate mutual fund, you can invest Rs 10 lakh each in 10 different properties, and thus diversify the risks associated with such investments. If you invested directly, such a diversification would not be possible. In essence, even if you are a small investor with some limited amount of funds at your disposal, you can use mutual fund schemes as a vehicle to participate in an asset class which otherwise would have been almost impossible for you. Another aspect is that in several asset classes mutual funds also offer relatively higher liquidity than direct investments. For example, if you invest in real estate directly and suddenly want to sell the property, you may be able to do that. However, if you take the fund route to invest in real estate, not only you can sell your units quickly and realize the money, you can also redeem partially to meet your exact fund requirement, financial planners pointed out. There are several other advantages if you decide to invest through the mutual fund route. With the abolition of entry load, and no exit load for long term investments, this is the cheapest vehicle to tap so many asset classes. The other advantages of investing in mutual funds are tax advantage that they bring in, the relative safety that comes from the fact that most fund managers are seasoned investment professionals, and the diversification of products which are available at one's disposal. For example, there are some mutual fund schemes which in one single scheme offer the advantages of equity, debt and gold, and that too with most of the other advantages listed above. 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 Plan Invest Online HDFC TaxSaver Invest Online DSP BlackRock Tax Saver Fund Invest Online Reliance Tax Saver (ELSS) Fund Invest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) Fund Invest Online SBI Magnum Tax Gain Scheme 1993 Invest Online Sundaram Tax Saver Invest 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 MutualFunds Invest 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

Templeton India Equity Income Fund Posted: 21 Aug 2013 12:23 AM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)   We like this fund for its nimble feet that straddle across market cycles to provide consistent returns. A healthy dose of international diversification further adds to its lure.   Strategy The fund adopts a long term disciplined approach and follows the value style along with focus on stocks with attractive dividend yields, both in India and overseas; in emerging markets like Taiwan, Korea and Turkey. The fund's international allocation has not crossed 35 per cent of the equity portion since launch despite the leeway to go up to 50 per cent. And equity exposure remains above 90 per cent all the times. Also, the fund's holdings are spread across all sectors with a tiny portfolio of less than 20 stocks.   Performance The fund has had a smooth sailing all along. In 2009 it did spectacularly well as it beat the category average by 24 per cent, though investors are still waiting for an encore. While its downside protection is raved about more, its returns during the favourable market are equally good; evident as they are from the fact that it has been able to beat its benchmark in all years barring 2007. Coming to the portfolio, stocks like Sundaram Finance, Tata Chemicals, ICICI, Bank, ONGC, HCL Infosystems, Grasim Industries and Tata Investment Corp. have been part of the portfolio since the beginning. Significantly, Sundaram Finance, Tata Chemicals and ICICI Bank have contributed over half of the fund's profits from Indian equity, since 2008. Historically, it has had a high exposure to metals and it did not come down even in 2008. The perseverance paid off in 2009 when BSE metals gave a breathtaking return of 233 per cent. It has also increased its exposure to financials in the past 2 years. Individual stocks such as SAIL, Hindalco, Tata Steel and Usha Martin have incurred losses for the fund, over a period beginning from 2008. Sesa Goa is the only stock that has contributed positively. GAIL, Reliance Industries and ONGC, within the energy sector, have also pulled down returns over this period.   Why invest? International exposure, quality downside protection and matching category returns during market turnaround are some of the qualities that are hard to ignore. 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 Plan Invest Online HDFC TaxSaver Invest Online DSP BlackRock Tax Saver Fund Invest Online Reliance Tax Saver (ELSS) Fund Invest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) Fund Invest Online SBI Magnum Tax Gain Scheme 1993 Invest Online Sundaram Tax Saver Invest 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 MutualFunds Invest 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

Difference between fiscal deficit and current account deficit Posted: 20 Aug 2013 10:38 PM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India) Fiscal deficit is a percentage of the nation's GDP and can be considered as an economic event in which the government expenditure exceeds its revenue. Meanwhile, current account deficit occurs when the country's imports are greater than the country's exports of goods, services and transfers. Most developing countries run a short term current account deficit to boost domestic productivity, which could lead to increase in exports in the future. After India's current account deficit hit a historic high of 6.7 percent of GDP in Q3 of last fiscal year, it was at 5 percent of the GDP in the year ended March, making the rupee weak and also making way for lower interest rates. 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 Plan Invest Online HDFC TaxSaver Invest Online DSP BlackRock Tax Saver Fund Invest Online Reliance Tax Saver (ELSS) Fund Invest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) Fund Invest Online SBI Magnum Tax Gain Scheme 1993 Invest Online Sundaram Tax Saver Invest 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 MutualFunds Invest 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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