वॉट्सऍपवरून

‘एसआयपी’चे महत्त्व अधिक खोलात जाऊन अधोरेखित करणारे काही मुद्दे खालीलप्रमाणे १) लवकर सुरवात करा - ‘कल करे सो आज कर, आज करे सो अब’, या वचनानुसार गुंतवणूक चालू करण्यास ‘आता’पेक्षा चांगला मुहूर्त नाही. जितक्‍या लवकर ‘एसआयपी’ चालू कराल, तितका फायदा जास्त होईल; शिवाय कमी वयात गुंतवणूक करायला लागणारी रक्कमही कमी असेल. उदा. जर एखाद्याचे निवृत्तीपर्यंत रु. पाच कोटी जमा करण्याचे उद्दिष्ट असेल आणि निवृत्तीला अजून ३० वर्षे कालावधी बाकी असेल, तर साधारणपणे १२ टक्के द. सा. द. शे. परतावा मानल्यास दरमहा फक्त ५७२२ गुंतविल्यास हे उद्दिष्ट गाठणे शक्‍य होईल. २) महागाई दरापेक्षा अधिक परतावा - गेली दहा वर्षे एखाद्याने इक्विटी फंडामधील ‘एसआयपी’…

HDFC Balanced Fund: Will Its High AUM Become A Burden On Its Returns? HDFC Balanced Fund is among the few well-managed funds from the stable of HDFC Mutual Fund. Launched nearly two decades ago, the fund has consistently outperformed the benchmark across market periods, while maintaining a tab on risk. The fund boasts of a stable fund management, with Mr Chirag Setalvad being at the helm for over a decade. With the equity market rally over the past few years, investors would be tad disappointed with the fund's returns. Over the past year, ended February 21, 2018, HDFC Balanced Fund…

BSE has received SEBI approval for introducing cross currency derivatives (future and options) on pairs such as Euro (EUR)-US Dollar (USD), Pound Sterling (GBP)-USD and USD-Japanese Yen (JPY). The exchange has also received permission to introduce option on EUR-INR. GBP-INR and JPY-INR in addition to existing USD-INR Options. Additionally, the regulator has also allowed trading in cross-currency derivatives contracts for a longer period between 9:00 AM and 7:30 PM. Currently futures contracts are available only for currency pairs that have the rupee as one leg and an options contract for only a single currency pair—dollar/rupee—is available.

    Are there gaps between the best and the worst performers? Of course, yawning gaps. But the point being made here is that in the end, equity delivered. All that was required of the investor was to do nothing during all the upheavals but diligently continue with the SIPs.    I have so often read this statement that describes flying a small airplane: “It is hours and hours of boredom punctuated by moments of sheer terror.” While one can argue that it even applies to life, investing can also be thought of along the same lines.    Doing nothing…

Short-term debt opportunity In its monetary policy last week, the Reserve Bank held rates steady though it marginally increased inflation projections for the next fiscal year. The policy also noted inflation risks from rising crude oil prices and the Budget-declared crop MSP hikes. With prospects for rate cuts, thus remote and markets building in higher rates, an accrual strategy – which doesn't bet on interest rate direction - can work well now. Shorter-term accrual funds also stand to benefit from interest rate uncertainty. UTI Banking & PSU Debt, HDFC Short Term Opportunities, and Axis Banking & PSU Debt are good…

नव्या आर्थिक वर्षाचा अर्थसंकल्प जाहीर झाल्यानंतर गेल्या 10-12 दिवसांत सर्वसामान्य गुंतवणूकदारांना एका विलक्षण चिंतेनं ग्रासलं आहे आणि ते म्हणजे शेअर व म्युच्युअल फंडांतील गुंतवणुकीसाठी लागू केलेला दीर्घकालीन भांडवली नफ्यावरील 10 टक्के कर! सुमारे 13-14 वर्षांपूर्वी असा कर होताच आणि असाच कर पुन्हा लागू होऊ शकतो, असं गेल्या चार-पाच वर्षांपासून बोललं जात होतं. त्यामुळं फार अघटित घडलं किंवा आभाळ कोसळलं, असं म्हणण्यासारखी परिस्थिती नाही. अर्थसंकल्पातील घोषणेनंतर आपला शेअर बाजार घसरायला लागला तो योगोयोगाने; पण त्याला आपसूकच कारण जोडलं गेलं ते या 10 टक्के कराचं! खरं तर जागतिक, विशेषतः अमेरिकेसारख्या देशांतील शेअर बाजार घसरल्यानंतर आशियाई बाजारही घसरले आणि त्यात भारतही होता इतकंच.…

Long Term Capital Gains Tax – FAQs   1.       What is the budget proposal on LTCG for equities? Ans – So far, any LT Capital gains made on equities on Exchanges was exempt. The Govt has now proposed an 10% LTCG tax on gains made above Rs 1 Lakh   2.       When is the tax payable? Ans – Since it is a Direct Tax proposal it will normally be applicable for the Assessment Year FY19-20 (Financial Year FY18-19). In other words, the LT Capital gains, of over Rs 1 Lakh, made for the year FY18-19 will be liable to tax at 10%.…

 Enough of this halla on LTCG Tax , I hv always said to stay away from noise but most of the Investors don't seem to listen. Firstly, Implementation of LTCG tax was long due, it is already there in majority of countries in the world; so nothing new has been Implemented here in India. Or waise bhi, when LTCG was not there for a long long time, Kitna fayda uthaya aapne iska ???? Secondly we people will still b paying 10-30% Tax at our 6.5% Return generating FDs but ironically we have a huge problem with 10% Tax on Equity…

KEY BUDGET HIGHLIGHTS....First Cut (Macquirie) INDIA BUDGET HIGHLIGHTS FY18 fiscal deficit at 3.5% of GDP, target was 3.2% but the slippage was widely expected (fiscal deficit is flat YoY). Fiscal deficit for FY19 forecasted at 3.3% of GDP as compared to consensus forecast of 3.2%. Govt is committed towards Fiscal Reforms and Budgetary Management (FRBM) Committee report, will bring down central govt debt to GDP ratio to 40% FY19 Market Loans forecasted at Rs 6.06 trillion ($ 95bn) as compared to Rs6 trillion in FY18 (budget forecast was Rs5.8 trillion, few days back it was raised by Rs0.2 trillion). Divestment…

नुकत्याच एका आंतरराष्ट्रीय संस्थेंने भारतात किती अर्थसाक्षरता  आहे यावर एक सर्वे केला. खालील निष्कर्ष अतिशय धक्कादायक आहेत. ? ६७% भारतीय हे इंशुरंन्सला गुंतवणुक समजतात. ?सोने हा गुंतवणुकीचा नाही तर हेंजिगचा अॅसेट क्लास आहे हे ९३% भारतीयांना माहीतच नाही. ? रिटर्न्स हे महागाईवर मात करणारे हवेत म्हणजे नेमके काय? हे सांगणारे फक्त २% भारतीय निघाले. ?म्युचल फंङ मध्ये गुंतवणुक करणारे २२% भारतीय SIP हे एका योजनेच नाव आहे अस समजतात. ?अॅसेट अलोकेशन म्हणजे काय हे ८८% भारतीयांना ठाऊक नाही. ?६३% लोक हे म्युचल फंङमध्ये गुंतवणुक केल्यावर म्युचअल फंडाची पॉलीसी घेतली अस म्हणतात. ते म्युचअल फंङ म्हणजे इंशुरंन्स मधीलच एक पॉलीसीसारखा प्रकार…