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Investment Planning

Details: Investment Planning is the process of placing your monies/funds into proper investment vehicles based on your financial goals and the time frame to …

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Best Lump sum Investment Options for Retirees / Senior

Details: Below are the safest (very low risk) saving / investment options to get guaranteed regular income ; Post office Senior Citizens Savings Scheme (SCSS) Features : This is one of the best risk-free saving option for Senior citizens. Your capital is safe under this scheme. The maximum investment …

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Income Tax Declaration & List of Investment Proofs (FY

Details: The Financial Year end is round the corner. Your employer may soon ask you to submit the investment proofs for the Financial Year 2020-21.. If you are an employee of a company, at the beginning of every financial year (or) while joining the company you have to submit ‘ Income Tax Declaration ’ to your employer. This is a provisional statement that has details about your proposed

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Unclaimed investments

Details: Maintain a file or Excel-sheet with all your investment details. (Consider creating a portfolio on portals like www.moneycontrol.com) Monitor and Track all your investments regularly Try to invest online wherever and whenever it is possible Update your latest contact details with your bank or other financial institutions

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What is an Uncorrelated Investment Portfolio

Details: Uncorrelated Investment Portfolio Holdings & Importance. Portfolio diversification can be achieved by investing in different Asset classes. But, ‘how these Assets are related’ should also be given more importance. Adding negatively correlated assets in your portfolio can reduce the risk considerably. The best asset allocation comes from

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What not to Buy (or) not to Invest in.

Details: The expected investment return on these type of plans is 5 to 6% in most of the cases. Do not invest in ULIPs (Unit Linked Insurance Plans) if your investment duration is less than 10 years. Do not invest in Child plans. (Term insurance + mutual funds combination can be a better option).

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My Latest Stock Portfolio List of Shares that I have

Details: You may go through more of my investment mis-adventures in this article 🙂 – 5 Personal Financial Mistakes that I have committed…! After my bitter experience with Stock markets, did not venture again into the Stock market for 10 long years (2008-2018).But, I have been putting sincere efforts to learn more about Stock Markets and Personal Finances.

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The 7 most Important Personal Finance Ratios

Details: The ratios help investors to take correct investment decisions. In the same way, if an individual wants to evaluate his/her personal financial situation, based on the financial statements, considering the net worth or cash flow, or whether he/she has over-borrowed or has good liquidity, it can be determined by calculating Personal Finance Ratios.

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My Mutual Fund Portfolio

Details: Investment is solely for the purpose of wealth generation, where the returns are over and above the inflation rate. Since I have retired this year, where I am under 30% bracket, it is proposed to start STP only April’17 onwards, when My total income may fall in 10% bracket so the income from STPs.

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Long Term Investment Horizon

Details: Another investment which can give you decent investment returns is ‘real-estate properties’. But unlike, mutual funds / stocks, investing in property may not be suitable to everyone. Your investment in property can wipe out your life-long earnings, if you invest in say a property which has litigation. In my view,

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Best Tax Saving investment options u/s 80C for AY 2020-21

Details: If the parents make an investment in the child’s name in any of the specific investments under Section 80C such as Equity Linked Savings Scheme (ELSS) or PPF, the parents get the tax benefit and the taxable income gets reduced by the amount invested. The parents can, however, claim a deduction of up to Rs 1.5 lakh under Section 80C – of his

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Are there any Investment Options which are really THE BEST

Details: List of best investment options. Best Family Floater health insurance options (or) Best Home insurance plans …. Before providing an answer to the above question, let’s discuss some of the real life case studies; Most of us use search engines like Google / Bing to get the details or information about investment or savings options.

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How to check Mutual Fund Portfolio Overlap online

Details: My investment goals are Child education and corpus for any emergency. Please suggest 2 to 3 suitable fund as per my investment goal and that will not overlap my portfolio. I initially have thought to invest 70% in balance fund and 30% in equity diversified fund.

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List of all Popular Investment Options in India

Details: The investment horizons mentioned in the above post are for IDEAL scenarios only. I believe that investment and insurance should not be clubbed together and hence Insurance investment options like ULIPs, Traditional life insurance plans and Pension plans are not included in this article.

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Gold Investments Tax Treatment in India A Complete Guide

Details: India’s love affair with gold has been since ages. From times immemorial, gold has been seen as a safe investment, especially when there is an economic crisis. Gold has been preferred by governments also, as a collateral against any crisis. Gold prices in India recently hit a record high. The prices of gold have been rising sharply primarily

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Indian Households Savings & Investments Pattern (2018

Details: It depends on an investor’s risk profile and investment strategy. However, post SEBI’s reclassification of mutual funds, the out-performance of actively funds vis-a-vis indices can be a challenging task. Hence, one can include an index based fund in ones portfolio. Related articles : * What are Index Funds?

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Retirement Planning in 3 Easy steps (Download Calculator)

Details: Thanks for the nice article on retirement investment for people like me (46 yrs. planning to retire) In one of your column you had suggested to invest in MIP & Balanced fund. Need your expert advice on following two options of investment for a horizon of 10 years or more, to park PF/Gratuity corpus: Option 1: HDFC Balanced Fund- DP Growth- 25%

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Why (NOT) to invest in LIC JEEVAN SHANTI

Details: Return on Investment: The marketing materials shown by most of the Agents/ financial intermediaries just ignore the Time Value of money concept. According to the numerous illustrations/flyers being used by agents to sell the plan, show rates as high as 10%-20% are achievable on the initial lump-sum investment.

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How to Calculate Capital Gains on Sale of Gifted Property

Details: Capital asset typically refers to anything that you own for personal or investment purposes. It includes all kinds of property; movable or immovable, tangible or intangible, fixed or circulating. Examples include a house, land, household furnishings, stocks, bonds or mutual funds held as investments etc.,

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National Pension Scheme (NPS)

Details: 1. all the investment done in ELSS, can it be considered for long term planning or not. If not do I have to plan all three time horizons separately than my tax savings investments. 2. Balanced-Large Cap-Mid Cap which of these is best for mid term planning ? keeping my 35% investment in Debt, so i want to know where to put rest 65% amount.

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Investment Decisions & AsteRISK symbol Importance of

Details: Importance of Asterisk and other symbols, foot-notes, disclaimers, disclosures when taking Investment decisions. Shares, mutual funds, Demat account, Home loans, Fixed deposit schemes, Life insurance. Health Insurance Advertisements, marketing materials, Illustrations etcs.

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Tax Treatment & Taxability of various Financial Investments

Details: Investment (or) Contribution stage. Earnings (or) Growth (or) Accumulation stage &. Withdrawal (or) Redemption (or) Maturity stage. And in each stage the investments/earnings can either be Taxed (T) or Exempted (E) from the taxes. So, we can have 6 possible combinations of Es & Ts for three different stages as below;

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Best Investment Options & Plans in India for 2020 & beyond!

Details: Problems of access to various investment options (financial instruments) and ignorance about the available investment avenues can be attributed as the main reasons for this in-equilibrium.. But things are changing for the better. The gap between financial savings and Physical assets is slowly shrinking, which is a very good sign.

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Index Funds Vs ETFs Top Performing Index Funds Should

Details: If your investment objective is to get superior returns than a benchmark index, you may have to consider regular equity oriented funds. Most of the regular equity oriented funds have better track record than index funds / ETFs. For example : In the above Table-1, you can notice that SBI Bluechip fund has beaten index funds hands down.

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Indian Household Savings Pattern (2019-20)

Details: What is an Uncorrelated Investment Portfolio? | Importance of Non-correlated Assets in Portfolio Diversification; Top 15 Best Mutual Funds 2021 & beyond | Top Performing Equity Funds (Reference : RBI’s Handbook of Statistics on the Indian Economy 2019-20. Some data is based on the preliminary estimates) (Post first published on : 25-Sep-2020)

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My list of Best Financial Planners in India (Part-3) Fee

Details: SEBI Registered Investment Advisers fall in such categories. As per SEBI Investment Advisers Regulations – 2013, the SEBI registered IAs are prohibited from accepting any commissions. They can only charge fee to their clients. Who is a Fee-only Financial Planner?

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Best Company Fixed Deposit Schemes in India

Details: For most of the investors safety of capital and guaranteed investment returns are the top most priorities. In recent years, investors have started taking a hard look at Company Fixed Deposits too. The Company FDs are similar to Bank FDs. The interest rates offered on Bank time deposits have been moving southwards and this is making many retail

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eKYC for Mutual Fund Investments

Details: eKYC or Electronic KYC is a KYC compliance procedure that allows you to complete your KYC formalities completely online, without any paperwork whatsoever. E-KYC is a simplified KYC for mutual fund investments based on PAN and Bank A/c no. details. eIPV (electronic In-Person Verification) is mandatory. What is the eKYC process at Quantum Mutual

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My Latest Mutual Fund Portfolio My Equity Fund Picks

Details: My main investment goals are to arrange funds for my child’s(2 years old) education, buying a house & also for my retirement. My investment horizon is long term, minimum 12-15 years. Note: I have been also investing Rs.4000/Month in PPF since last 3 years. Thanks.

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How much do I need to invest for my Kid's Education

Details: SIPs investment of total Rs. 8000/- per Month as below (All are planned for long term for around 20yr considering daughter’s education and marriege) On my name 1) UTI midcap fund (G) Rs. 2000/- (From last 5 yrs) 2) ICICI Tax Plan Regular (G) Rs. 2000/- (from last 2 Month)

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My List of popular Fee-only Financial Planners in India

Details: Investment advisory and financial planning business has traditionally been built around commissions and brokerage. Not everyone is willing to write a cheque. Fortunately, investors are starting to realize the value of conflict-of-interest-free investment advice and warming up to the idea. Tough road ahead, but the signs are encouraging.

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Gold, is it still the safest and risk-free investment

Details: Gold is always the better form of investment in any form. I experienced better returns by trading in Gold i.e., commodity market which requires in depth analysis of markets. I took the service from #SquareIndia Advisory Pvt Ltd as their market analysis is really good.

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My List of Top Fee-only Financial Planners in India (Part-2)

Details: This 1% of excess fees eats up 1% of an investor’s investment each year. While the exact amount is debatable, the long-term impact is clear from simple arithmetic. If an investor surrenders 1% of her investment each year, then cumulated over 30 years, she has lost 26% of her investment’. Basavaraj Tonagatti

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Can lock-in period for Investments apply on Death of the

Details: We are aware of the fact that certain Investment (or) Saving schemes have a lock-in period. ‘Lock-in period’ is a common phenomenon especially with popular Tax saving Schemes.These schemes are like PPF, ELSS mutual funds, NSC, 5 year Tax …

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Investments options in India for Indian expats (NRIs) in UAE

Details: Best investment choices in India for Indian NRIs are ; Fixed deposits. This is one of the most common investment options NRIs prefer. For this, the Indian expats have to open an NRE account i.e. Non-Resident External account. This account is for NRIs who have their investments in fixed deposits or term deposits.

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FATCA Compliance & Mutual Fund Investments in India

Details: These should not be construed as investment advice or legal opinion." Connect with Author : Facebook Twitter LinkedIn. Bharath Kumar says: May 13, 2017 at 11:46 am. Dear Sree, I am NRI living in kuwait since 3years and i have started the investing mutual funds a year and half of rs 25000 permonth through the saving account.

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Best NPS Funds 2020-21 Top Performing NPS Scheme Categories

Details: The Equity fund threshold limit is 50% or 75% in this case. These individuals can select any of the two investment options to select scheme preferences. Active choice – Under this option, subscriber selects the allocation pattern amongst the three funds E, C and G. The Maximum allocation to Equity can be 75% and 100% in Corporate or Govt

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Best Tax Free Bonds for 2020 in India Should you Invest

Details: Provided, your investment tenure matches with bond’s maturity date, you are expected to remain in high tax slab bracket and also aiming at periodic income. I believe that ‘lack of liquidity’ is the biggest disadvantage of Tax-Free Bonds. Hence, invest in …

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Asset Classes & Income Tax Implications

Details: Asset Allocation is a very important investment strategy. You should invest in suitable financial products or Asset Classes based on your financial goals. If an investment option meets your requirements and is also a tax efficient one then it is well and good. Your investment strategy is to max out your after-tax returns.

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Top 5 Best ELSS Mutual Funds 2020 Tax Saving Equity

Details: ELSS Mutual Funds are one of the best tax saving options under Section 80c. Infact, ELSS MF scheme is the only pure investment option under Section 80C through which investors can take exposure to equity markets. There is no upper limit for investment in ELSS but the maximum tax benefit is limited to Rs 1.5 lakh under Section 80C.

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Latest Small Saving Schemes Interest rates Apr – Jun 2021

Details: These are regulated by the Ministry of Finance. They offer complete security of investment combined with attractive returns. These schemes also act as instruments of financial inclusion especially in the geographically inaccessible areas due to their implementation primarily through the Post Offices, which have reach far and wide.

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Best NRI Tax Saving options 2020-21 How NRIs can save on

Details: One thing to be noted is the capital gain should be equal or less than the new investment to claim for tax exemption. For example, Mr. Ravi is selling his property for Rs.30,00,000 and the new property that is being purchased is Rs.27,00,000. In such a case, the new property value is less than the sale value which concludes that the profit he

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What is Inflation adjusted Real Rate of Return

Details: Let’s now understand the impact of inflation on the returns generated by your investment. For example, if you make a Rs 1 Lakh worth stock investments that earns 13% in one year, you end the year with Rs 1, 13,000.That means, your money (investment) has grown by Rs 13,000 (we’ll assume no dividends just to keep the illustration simple).. However if inflation is say 6% for the last year

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