Prajna Capital

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• Start investing now before it is late
• Arbitrage Mutual Funds - Investing in Volatile Stock Markets
• Sundaram Select Debt Short term Invest Online

Start investing now before it is late Posted: 09 Mar 2014 06:29 AM PDT Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300 Start investing now   Money makes the world go round — it’s not just a saying but a universal belief. We do believe in money, but with a unique tangent to it that proper financial planning can help you go around the world. While it’s tempting to indulge in extravagance and save for the future at the same time, it’s usually not possible. Handling money wisely is a born talent in a few and a skill for most of us to learn. The start to a well-crafted financial plan is to develop an accurate financial picture that allows you to plan for the future. Planning finances is a simple process that just requires discipline in order to fulfil the goals of your life, be it buying your dream house or enjoying your retirement. It’s important to detail the influence of a financial move on long- and short-term financial goals. Determine your current financial situation:   Here, you need to determine your current financial situation with regard to income, savings, living expenses and debts. Preparing a list of current asset and debt balances and amounts spent for various items gives you a foundation for financial planning activities. Zero down to the goals:   Specific financial goals are vital to financial planning and you must decide your goals. These can range from spending all of your current income to developing an extensive savings and investment programme for your future financial security. Evaluate fixed/variable monthly expenses:   You need to evaluate possible courses of action, taking into consideration your life situation, personal values and current economic conditions. Hence, decision-making will be an ongoing part of your personal and financial situation. Allocate corpus to attain timely goals:   Develop an action plan. This requires choosing ways to achieve your goals. As you achieve your immediate or shortterm goals, the goals next in priority will come into focus. To implement your financial action plan, you may seek assistance from your insurance agent to cover your life or property or the services of an investment broker to purchase stocks, bonds or mutual funds. Ensure protection:   Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange of a premium. Insurance companies invest the funds securely, so it can grow and pay out when there’s a claim. Insurance helps you cover your risk when you buy a home, drive a car, face medical expenses and also protect your family even when you are not around (in the event of a death). Don’t invest only for saving tax:    While tax planning is important, you must diversify your portfolio based on your risk appetite. The goal of diversification is not to boost performance — it won’t ensure gains or be a guarantee against losses — but it can help set the appropriate level of risk for an investor’s time horizon, financial goals and tolerance for portfolio volatility. Dynamic reviews:   When life events affect your financial needs, this financial planning process will provide a vehicle for adapting to those changes. Regularly reviewing this decision-making process will help you make priority adjustments that will bring your financial goals and activities in line with your current life situation. Financial planning is investing, which is a great way to have your money work for you. Don’t think that you are too young or old to invest. It’s never too late to start early and power your money with an impetus of growth.       For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call     Leave a missed Call on 94 8300 8300   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 Mutual Funds Online Invest Any Mutual Fund Online   Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms ---------------------------------------------   Best Performing Mutual Funds Largecap Funds             Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Franklin India Bluechip ICICI Prudential Top 100 Fund B. Large and Midcap Funds         Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Birla Sun Life Front Line Equity Fund Franklin India Prima C. Mid and SmallCap Funds          Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Birla Sun Life Dividend Yield Plus SBI Emerging Businesses Fund HDFC Mid-Cap Opportunities Fund ICICI Prudential Discovery Fund D. Small and MicroCap Funds   Invest Online DSP BlackRock MicroCap Fund 2.       Franklin India Smaller Companies E. Sector Funds          Invest Online Reliance Banking Fund Reliance Banking Fund ICICI Prudential Banking and Financial Services Fund F. Tax Saver Mutual Funds      Invest Online 1. ICICI Prudential Tax Plan 2. HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund G. Gold Mutual Funds        Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Birla Sun Life Gold H. International funds         Invest Online 1. Birla Sun Life International Equity Plan A 2. DSP BlackRock US Flexible Equity 3. FT India Feeder Franklin US Opportunities 4. ICICI Prudential US Bluechip Equity 5. Motilal Oswal MOSt Shares NASDAQ-100 ETF Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

Arbitrage Mutual Funds - Investing in Volatile Stock Markets Posted: 09 Mar 2014 05:22 AM PDT Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300   Arbitrage Mutual Funds   Arbitage funds have many inherent benefits.   This is something where you can get safe return like debt but taxation of equity. Though at one instance I can say that debt is also volatile as it depends on interest rate movement, arbitrage funds are something which derives return from equity market volatility. You will agree with me that when interest rates are getting volatile, you cannot expect equity market to remain stable.   So when you find everything volatile arbitrage funds will support your portfolio.   Advantages of Arbitrage Mutual Funds Investing The first and foremost advantage among arbitrage fund is that it gives good return when market is volatile. When you don’t find well established active equity funds giving returns, you will find arbitrage funds answering the volatility and giving returns.   The second advantage is that being an equity fund , the returns are tax free after 1 year as it comes under long term capital gain tax and also dividends announced are tax free.   What should investors do? As I always say that investors should invest as per their risk tolerance, return expectation and goals targeted. So Investments in arbitrage funds should also be according to the same. If investors or advisers can figure out some opportunities like expectation of fall in interest rates (which we have been expecting for the 2 years), then its possible that you make good money from the same in short term. But when things are uncertain in stock market and even in debt market then arbitrage funds can be a good bet. Do keep in mind that being an equity oriented fund arbitrage funds are not devoid of risks, but yes less risky than pure equity or equity oriented hybrid instruments.     For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call     Leave a missed Call on 94 8300 8300   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 Mutual Funds Online Invest Any Mutual Fund Online   Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms ---------------------------------------------   Best Performing Mutual Funds Largecap Funds             Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Franklin India Bluechip ICICI Prudential Top 100 Fund B. Large and Midcap Funds         Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Birla Sun Life Front Line Equity Fund Franklin India Prima C. Mid and SmallCap Funds          Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Birla Sun Life Dividend Yield Plus SBI Emerging Businesses Fund HDFC Mid-Cap Opportunities Fund ICICI Prudential Discovery Fund D. Small and MicroCap Funds   Invest Online DSP BlackRock MicroCap Fund 2.       Franklin India Smaller Companies E. Sector Funds          Invest Online Reliance Banking Fund Reliance Banking Fund ICICI Prudential Banking and Financial Services Fund F. Tax Saver Mutual Funds      Invest Online 1. ICICI Prudential Tax Plan 2. HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund G. Gold Mutual Funds        Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Birla Sun Life Gold H. International funds         Invest Online 1. Birla Sun Life International Equity Plan A 2. DSP BlackRock US Flexible Equity 3. FT India Feeder Franklin US Opportunities 4. ICICI Prudential US Bluechip Equity 5. Motilal Oswal MOSt Shares NASDAQ-100 ETF   Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

Sundaram Select Debt Short term Invest Online Posted: 09 Mar 2014 03:59 AM PDT Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300   Investment Objective The scheme seeks to generate regular income through investments in debt and money market instruments. Fund Managers Dwijendra Srivastava since Jul 2010 Sandeep Agarwal since Jun 2012 Analysis    In its ten-year old history, this fund has not posted highly remarkable returns for most of the time. However, in the past three years this fund has found its bearings to emerge as one of the best in the short term debt category. Strategy This fund invests across several debt and money market instruments of various credit ratings (above investment grade) with a view to maximise income while maintaining an optimal balance of yield, safety and liquidity. Further, the fund managers restrict investments in well-diversified, high credit portfolio of debt (including securitised debt) and other securities with maturities not exceeding three years, to check volatility. “Our current strategy is conservative and in this fund we have lower average maturity and increased allocation to high rated instruments,” says Dwijendra Srivastava, fund manager. There may be another 25 basis rate hike according to the fund manager, after which Bamboli sees interest rates easing. Buoyant on the performance of the scheme, Bamboli feels the shorter end of the yield curve which is still elevated might come down in the next six months. “So our overall view on the scheme is quite positive at this point of time,” he stresses. Performance In the five years preceding 2008, this fund did well. But in 2008-10, it fared poorly and in 2009 it earned a paltry 2 per cent. Since 2010, this fund has bounced back and has done better than the category average and has been a top quartile performer since. This year, it posted returns of 7.97 per cent in the first 11 months compared to 5.99 per cent by the category average. The change adopted in maintaining a higher average maturity of over three years since 2010 has helped in its performance.     For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call     Leave a missed Call on 94 8300 8300   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 Mutual Funds Online Invest Any Mutual Fund Online   Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms ---------------------------------------------   Best Performing Mutual Funds Largecap Funds             Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Franklin India Bluechip ICICI Prudential Top 100 Fund B. Large and Midcap Funds         Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Birla Sun Life Front Line Equity Fund Franklin India Prima C. Mid and SmallCap Funds          Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Birla Sun Life Dividend Yield Plus SBI Emerging Businesses Fund HDFC Mid-Cap Opportunities Fund ICICI Prudential Discovery Fund D. Small and MicroCap Funds   Invest Online DSP BlackRock MicroCap Fund 2.       Franklin India Smaller Companies E. Sector Funds          Invest Online Reliance Banking Fund Reliance Banking Fund ICICI Prudential Banking and Financial Services Fund F. Tax Saver Mutual Funds      Invest Online 1. ICICI Prudential Tax Plan 2. HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund G. Gold Mutual Funds        Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Birla Sun Life Gold H. International funds         Invest Online 1. Birla Sun Life International Equity Plan A 2. DSP BlackRock US Flexible Equity 3. FT India Feeder Franklin US Opportunities 4. ICICI Prudential US Bluechip Equity 5. Motilal Oswal MOSt Shares NASDAQ-100 ETF 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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