Prajna Capital

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• HDFC Focused Large-Cap Fund merged into HDFC Equity Fund
• Your Annual Bonus – How to Invest?
• Birla Sun Life Emerging Leaders Fund - Series 2

HDFC Focused Large-Cap Fund merged into HDFC Equity Fund Posted: 15 May 2014 01:36 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   HDFC Focused Large-Cap Fund merged into HDFC Equity Fund HDFC Mutual Fund has announced the merger of HDFC Focused Large-Cap Fund into HDFC Equity Fund. The type of the scheme has been changed to an open-ended growth scheme. Earlier it was, open-ended equity scheme.   The Fund House has also proposed changes in asset allocation pattern of HDFC Short Term Plan. The minimum asset allocated in debt securities with less than 3 years maturity and money market instruments will be 80 per cent and maximum will be 100 per cent, and for debt securities with less than maturity of 5 years, maximum will be 20 per cent.   The investors can exit from the schemes from May 22, 2014 to June 20, 2014. No exit load will be charged.   The changes will be effective from June 20, 2014. 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

Your Annual Bonus – How to Invest? Posted: 15 May 2014 12:24 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     If you have just received your bonus, don't just splurge it. Sanjay Kumar Singh tells you how to use this windfall judiciously   1 Treat yourself and your family first A well-documented behavioural phenomenon called 'mental accounting' suggests that people treat money from different sources differently. They tend to be more loose-fisted with 'found' money, such as bonuses, gifts and money returned by the Income Tax Department, than 'earned' money like the monthly salary. To avoid this pitfall, financial planners suggest that you go ahead and spend the first 10% of the bonus on the family and yourself. This will fulfill the pent-up desire to consume, while ensuring that the balance 90% is invested or used wisely. What you do with this 10% should be decided by your family and you collectively. You could go on a vacation, buy a big-ticket item or jewellery for your wife. While pleasing her, it will also act as a store of value that can be used in an emergency. 2 Spend on skill enhancement We live in perilous times as far as job security goes. In the past couple of years, as growth slowed down, many workers were laid off in sectors like real estate, construction, broking and media. Given our tenuous hold on jobs, everyone needs to do a lot more to upgrade their knowledge and skills. You may also be languishing in the lower or middle ranks and need some re-tooling to move to higher ranks. To expect your employer alone to spend money on training you is not going to suffice. So, spend 10-15% of your bonus on an executive training programme, books, learning CDs, and other such resources. 3 Repay high-cost debt This is the order in which you should repay your high-cost debt: credit card, personal loan, auto loan and home loan. There is an argument that the home loan comes at a relatively low cost and also offers tax benefits and, hence, it should not be prepaid. However, sometimes the interest is much higher than the tax deduction available: `1.5 lakh, in case of a self occupied property, and the entire amount in case of a leased property. In case of the former, prepaying makes sense. Also, the benefit will be higher if you prepay at an early stage of the loan, when the outstanding principal is high, than in the later stages. Don't prepay a loan if you might have to take another one at a higher cost in the near future. Use the bonus amount instead. 4 Fill the gaps in your financial plan One of the best times to review your financial plan is when the bonus is around the corner. Find out the gaps in your portfolio and use the amount to fill these. Is a child going to join college in the next couple of years, and is there a shortfall in the amount you have accumulated? Use a short-term debt fund to fund the goal. Is the desired retirement corpus running low on funds? This is your chance to bring yourself closer to this long-term goal by channelising some of the bonus money in equities. 5 Use the funds to meet tax-saving goals Your employer has probably asked you to spell out the tax-saving investments you intend to make in the financial year. If you have made the declaration, but don't have the money to make the investment, use the bonus. By investing in tax-saving instruments partly through your bonus and partly from your regular salary, you will not find yourself cash-strapped at the end of the financial year. 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

Birla Sun Life Emerging Leaders Fund - Series 2 Posted: 14 May 2014 11:11 PM 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   Birla SunLife Emerging Leaders Fund - Series 2   SL  NO  Scheme Name NFO  Opens NFO Closes 1 Birla Sun Life Emerging Leaders Fund - Series 2 16-May-14 26-May-14 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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