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| Posted: 18 Aug 2014 07:06 AM PDT Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Leave a missed Call on 94 8300 8300 Short Term Gains
Getting into the best performing stocks, commodities, futures & options or even FDs at the best rate of interest is the dream of most investors. Let's assume you get such an opportunity -you invest in a stock which turns out to be the best performing one for the year and doubles your Rs 1-lakh during that period. What follows is the sense of satisfaction and déjà vu, even if it was by fluke. After the smart gains, probably some part will go towards an impulse purchase as an instant gratification, while some will take care of an outstanding (perceived or actual!) need. But will this Rs 1-lakh profit be available to you six months later? Unlikely. Will you be able to repeat this feat year-after-year? Unlikely. Will it contribute to something very important and long-term in your life like your child's education, a home, a good standard of living after retirement? Again, the answer is unlikely. So all that you have achieved is a bit of adrenaline flow and a momentary triumph. Often, much time and energy may have gone into spotting such an opportunity. Careful long-term financial planning may not be as exciting as the adrenaline-flowing hot stocks picker or be a party stopper. It may even be outright boring. It may involve you doing drudgeries like some mathematical calculations, crystal gazing and stuff like that, but it will definitely bear you fruits in the long term. Achieving financial goals A financial plan would involve carefully jotting down the major future expenses of your life in the next 20, 30, 40 years. These are called the financial goals, which should generally not number more than 10-12. The same should be done for your anticipated money flows from salary, rents, interest income and others. And then you should try to roughly match the two. The next part is to decide on investments that can help you achieve these goals. While deciding on investments, the general rule is that debt instruments are for the short term, or for building up the safe part of your investments, while equity linked investments are for building up long term wealth. Real-estate, properly chosen and timed, is also an important part of portfolio but requires bulk investment, which can be built up through a long term equity portfolio along with carefully orchestrated home loans. And never should tax-savings be the aim of investments. At best, it should be incidental to investing. Review regularly Your financial plan should be reviewed every 2-3 years to do midcourse corrections necessitated by your changes in priorities, circumstances, money flow and market conditions. You can do all these on your own since these are not tough tasks. However, if you feel you are not confident enough and is too much to handle, find a trusted financial planner who will do it all for you for a small fee 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
Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms ---------------------------------------------
Best Performing Mutual Funds
B. Large and Midcap Funds Invest Online
C. Mid and SmallCap Funds Invest Online
D. Small and MicroCap Funds Invest Online
E. Sector Funds Invest Online
F. Tax Saver Mutual Funds Invest Online 1. ICICI Prudential Tax Plan 2. HDFC Taxsaver
G. Gold Mutual Funds Invest Online
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 | ||||||||
| Investment Trusts secure wealth Posted: 18 Aug 2014 05:36 AM PDT Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Leave a missed Call on 94 8300 8300
Investment Trusts secure wealth
As time goes by, the world is getting smaller and life is getting more complicated. We are all interested in investing, making our money work as hard as we do and also expect it to grow. With a wide range of investment options available, our focus has always been to choose the right investment, be it conservative debt or a more aggressive investment like equity.
While choosing the right investment options is important, it is equally important to identify in whose names these investments should be.
The main reason behind investing in multiple names could at times be tax issues, but that again may turn out to be a short-lived one. By planning short-term tax benefits today, you may take certain decisions that can have much bigger implications for you and your family in the long run. Some people even prefer to set up companies purely for investment purposes.
You may have also invested in your children's names to keep part of your assets exclusive ly for their benefit. Although your intentions are noble and right, this, however, may not be the best way because the returns from these investments may not be directly under your control and may differ.
The changing lifestyle in India with different options -a family having one or more members as NRIs, growing uncertainties relating to marriage, the possibility of children acquiring an NRI status in future, etc -has brought forth a big question in the realm of succession planning: In whose name should you invest?
The essential elements of a trust always remain the same. Here, the `Settlor' passes legal title of his/her assets to a Trustee but the beneficiaries of the trust have the beneficial entitlement. Here, an Investment Advisory Board or expert fund managers are brought on board to manage the investments.
A trust formed with investing as the main objective has many advantages. These include asset protection, demarcation of personal and business income, consolidation of investments, safeguarding interests of the dependents, efficient and uninterrupted management, confidentiality, professional fund management, and better money management for retirement. In addition to these advantages, such trusts also do not restrict you from investing in any investment instrument that you would have chosen to invest in your personal capacity. Such permissible investments could be in real estate, equity, bonds, other debt instruments, etc.
Creating a trust for investment also means having the leeway to review your investments through a consolidated view, and to also derive quality and provide stability for your portfolio. Through such a structure, you can also put in place a strategy with a permanent and long term view which could benefit even generations that would follow you and can also keep the family's wealth secured and protected.
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
Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms ---------------------------------------------
Best Performing Mutual Funds
B. Large and Midcap Funds Invest Online
C. Mid and SmallCap Funds Invest Online
D. Small and MicroCap Funds Invest Online
E. Sector Funds Invest Online
F. Tax Saver Mutual Funds Invest Online 1. ICICI Prudential Tax Plan 2. HDFC Taxsaver
G. Gold Mutual Funds Invest Online
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 | ||||||||
| Posted: 18 Aug 2014 01:51 AM PDT Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Leave a missed Call on 94 8300 8300 Investing made simple Here's A Recap Of Some Of The Best Articles Published In The Last One Year As Part Of Our Investor Awareness Initiative Everyone knows saving and investing are vital g to secure their future and reach their financial goals. Yet, most s people tend to delay it. However, t starting later is better than not starting at all. A recent international survey by a leading bank s indicates that more than 80% of o retired Indians think they a should have saved and invested s more than they did for their c golden years. An important reason for this a is that people consider investing m as a complicated exercise. There g is a thinking that beyond the borders of savings accounts and i fixed deposits lay a land of dungeons and dragons that is too s dangerous to venture into. Overs coming this notion is the critical t first step. Investors should realize that opportunities for higher p returns and real wealth-building t lie outside the bounds of fixed n income products. Diversified equity mutual funds, instruments that reduce d the risk of putting money in the p stock market by investing in a fi wide variety of stocks, have a served Indian investors well for q several years. Such funds have n given close to 20% return (com pounded annual growth rate) over the past 10-15 years. While such past performance is no guarantee for future returns, history suggests that investors would be well served employing such investments for their long term financial needs. An equally important reason for people's reluctance is the sense that there is a high degree of personalization needed that any investment solution for them should be tailored to fit their specific, 'unique' needs. This is a misplaced concern as well. There is much in common across the financial needs of great many people in the country. Everybody is worried that inflation would erode the value of their savings. The need for saving for common life goals such as children's education and their own retirement are pressing concerns for a majority of people. The aspirations to own their homes and have a car are not different in nature across different people in the country. It has been observed that the differences are more when people are talking about short-term financial requirements. There is a lot of specificity, and consequently more variety to people's needs for such time frames. When it comes to long-term goals and aspirations, we are all asking the same questions that can be answered similarly. What this means is that potential investors need not worry about getting a perfect tailormade portfolio for themselves. Talking to a well-informed colleague, seeking out a financial advisor, or scouting for an investment advisory service online are the that can provide one with a reasonably good investment portfolio to get them started and keep them going. The cost of not starting to invest is high. We are presently in an economic scenario with high inflation and low growth. Even if the economy rebounds and starts delivering higher growth again, inflation is unlikely to be tame over the next decade or so. This means investors will necessarily need to seek to protect the value of their savings and seek growth outside their comfort zone. They will do well to shed their inhibitions and start investing for their own financial future. 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
Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms ---------------------------------------------
Best Performing Mutual Funds
B. Large and Midcap Funds Invest Online
C. Mid and SmallCap Funds Invest Online
D. Small and MicroCap Funds Invest Online
E. Sector Funds Invest Online
F. Tax Saver Mutual Funds Invest Online 1. ICICI Prudential Tax Plan 2. HDFC Taxsaver
G. Gold Mutual Funds Invest Online
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 |
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