tag:blogger.com,1999:blog-71048441644450904792024-03-14T03:26:35.335+05:30Sangam Investments....Providing wisdom to your wealthAnonymoushttp://www.blogger.com/profile/18390083587269554223noreply@blogger.comBlogger49125tag:blogger.com,1999:blog-7104844164445090479.post-41276396947197570812015-09-30T10:41:00.001+05:302015-09-30T10:41:17.128+05:30Repo Rate Cut, A view point<div dir="ltr" style="text-align: left;" trbidi="on">
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<o:p> </o:p>Indian economy is on the growth trajectory. With the global turmoil pertaining to economic development and growth of markets, India has promised a great future for entrepreneurs across the world. The recent meetings and conversations of our honorable Prime Minister with the heads of global business forces clearly show how the world is looking at the India landscape. In such a promising scenario, a 50 bps rate cut from the table of RBI is like infusion of new vigor in the economy, which has the power to take the growth on a large platform. The sluggishness of the economy due to global woes is sure to be addressed by this positive move of the RBI governor.</div>
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The slump in the global commodity prices like petrol and tamable inflationary pressures made room for the rate cut. The inflationary pressure under control helped in addressing the need for lower repo which is sure to speed up the industrial growth and domestic consumption.</div>
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As far as investment scenario in the economy is concerned, the rate cut move by the governor along with the promised accommodative stance of the central bank promises a great future for the economy, which is experiencing favorable benefits due to international slow down. It is expected that the Indian bond market is set to see a substantive rally in the future, with great prospects for returns due to the positive move of the central bank.</div>
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Overall strength in the economy is the factor of strong demand in the country, and with the lowering of repo rates; the economy is also set to sail due to increased domestic consumption. With the lowering of the repo rates, the government bond yield is also on an all time low, promising a great rally for bond market in the future. This creates a great room to invest in the debt market, with a promising return prospect in the future.</div>
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arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com1tag:blogger.com,1999:blog-7104844164445090479.post-33717523014976711712015-06-04T12:24:00.000+05:302015-06-04T12:28:49.973+05:30How the right asset allocation can help in taking best benefits out of your savings and investments<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1S7nn7ImAtmP85WUpRnNcwmf7nTrYFX1eMKb7tzDFdrAa-BMmm6w-SymPNwAtg1OAzOfWwrzjntt0ll-6ItOPuIx2pGj_-7tBs108giHgmY2iKVzpDpirm2G2HTjLxqkNlCwoKObdswJo/s1600/june+back.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1S7nn7ImAtmP85WUpRnNcwmf7nTrYFX1eMKb7tzDFdrAa-BMmm6w-SymPNwAtg1OAzOfWwrzjntt0ll-6ItOPuIx2pGj_-7tBs108giHgmY2iKVzpDpirm2G2HTjLxqkNlCwoKObdswJo/s640/june+back.jpg" width="449" /></a></div>
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If you plan to invest your hard earned money, you should be very careful in putting all your eggs in different baskets so as to benefit from the thing called diversification. In order to acheive great benefits and be safe from the risks of volatility, be sure to think about allocating your assets in various asset classes.</div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com1tag:blogger.com,1999:blog-7104844164445090479.post-13567370499960201192015-06-04T12:05:00.002+05:302015-06-04T12:26:25.325+05:30June Newsletter<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwcLBYkygHLWmcXucr8IJhnBcv_44Yf68ZrwnELjbApPKOqO7SPdXK55lHN3QV9hlwNq3VNeTKX7iJa0lcPTIpD13rAxVubCde7rTVccBxFmhBwJdRRV6wBF1H2xNaTOq_7Fr8GSHUun6p/s1600/Newsletter+June.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwcLBYkygHLWmcXucr8IJhnBcv_44Yf68ZrwnELjbApPKOqO7SPdXK55lHN3QV9hlwNq3VNeTKX7iJa0lcPTIpD13rAxVubCde7rTVccBxFmhBwJdRRV6wBF1H2xNaTOq_7Fr8GSHUun6p/s640/Newsletter+June.jpg" width="449" /></a><br /><br />Our stance on various asset classes in the Indian Economy and how you should think about investing among them. The market outlook is your monthly dose of your investment strategy for the future.<br /><br />Make sure to align your investments in line with this outlook to get the best benefits out of your savings and investments</div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-74517543876726736882015-06-02T11:38:00.002+05:302015-06-02T11:38:31.461+05:30RBI Cuts Repo Rate by 25 bps.<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnR053UiyXXTyP0cYHfmmoM-3rHkLhhR1v2PDDRV4AUEiQ1aardanJlbEAOe9ZIM39ALs3P2I7SLrJJ5WVjB-R8TO-A7j884DBuMMlQMNhc7hAZEA1XR_Gc-B6e6zQqJqheJ4lJVpmUb8u/s1600/RBI_reuters.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnR053UiyXXTyP0cYHfmmoM-3rHkLhhR1v2PDDRV4AUEiQ1aardanJlbEAOe9ZIM39ALs3P2I7SLrJJ5WVjB-R8TO-A7j884DBuMMlQMNhc7hAZEA1XR_Gc-B6e6zQqJqheJ4lJVpmUb8u/s320/RBI_reuters.jpg" width="320" /></a></div>
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Raghuram Rajan, The Governor of Reserve Bank of India, announced a repo rate cut on Tuesday in its monetary policy review. The cut was made of 25 bps from 7.5% to 7.25%. It was predicted largely by analysts and bankers alike and was predicted by Sangam time and again from the last few months. This has led to creation of a great opportunity in the debt fund segments and it is expected to positively impact returns in the coming time. <o:p></o:p></div>
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The fall in the retail inflation with slowdown in Industrial output has led to the rate cut and the same was expected too. <o:p></o:p></div>
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The markets had expected a steeper cut in the form of 50 bps and not fulfilling it hopes led to a downturn in to the markets. </div>
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The further hopes of rate cuts is to be addressed in August 2015, in its bi-monthly policy review. <o:p></o:p></div>
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Keep holding to your investments in debt fund segments and plan to allocate your funds with the right assets in order to increase your returns in the times to come. <o:p></o:p></div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-73515398409585652622015-05-14T14:34:00.000+05:302015-05-14T15:46:50.315+05:30Opportunity Knocks Again<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://www.blogger.com/blogger.g?blogID=7104844164445090479" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=7104844164445090479" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=7104844164445090479" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=7104844164445090479" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=7104844164445090479" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=7104844164445090479" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS-GM-l-Dd7w_IZiRFEyDPC1NX6F2sxnp24pRMJaC4VjuzFWjROtZdNAc0BmKC6YCVrl9p8bTaEDFJHrcpmLSwqq-semj9SXA-guHSXPwsUUNt_NjoB_psH0pPByTz8c4rIwGQIxR7dE4/s1600/ltdf.jpg" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=7104844164445090479" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCtNIAUKgqo8XUjvLbR7KI6oenqjjMKn2LW2MdxScfTtj590w7VzWRdb6tohXyU_etC7CXaxueOP80HM83XezHPGEcmAWjJotqkXdUS-j83WMjJQAxE4yma11rvBhdyKFCH2Q_yraocCA/s1600/Opportunity+Knocks+again1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCtNIAUKgqo8XUjvLbR7KI6oenqjjMKn2LW2MdxScfTtj590w7VzWRdb6tohXyU_etC7CXaxueOP80HM83XezHPGEcmAWjJotqkXdUS-j83WMjJQAxE4yma11rvBhdyKFCH2Q_yraocCA/s320/Opportunity+Knocks+again1.jpg" width="320" /></a></div>
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<b><i><span style="color: #003399; font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Bond yields have moved up, in tandem with global bond market nervousness. HDFC MF's fixed income team takes a quick look at what's changed on the ground domestically, and finds that none of the interest rate drivers have deteriorated - in fact all the key numbers - inflation, inflation drivers, CAD, fiscal deficit and economic activity - are all pointing towards lower interest rates. If fundamentals are looking good and sentiment has resulted in yields hardening instead of softening, wouldn't you agree with Prashant's team that opportunity is indeed knocking again? Take a look at the note that HDFC Fixed Income team has put together some points on whether one should add duration into portfolios now.<o:p></o:p></span></i></b></div>
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<span style="color: #003399; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">A summary of the recent changes in key economic parameters is given below:</span><span style="color: #003399; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="color: #003399; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">These issues are discussed in greater detail below:</span><span style="color: #003399; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
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<b><span style="color: #ff3300; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">Trade deficit, CAD and INR</span></b><b><span style="color: #ff3300; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></b></div>
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<span style="color: #003399; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">As can be seen from the table, CAD for 4QFY15 is likely to be in surplus due to lower crude prices. The recent jump in oil prices has to be seen in light of the fall from $110 to $45 and now bounce back to around $65. Even assuming an average crude price of $70 for FY 16, India would save nearly $20 bn and CAD should still be well below 1% in FY16.</span><span style="color: #003399; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="color: #003399; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">In summary, CAD is in very good shape and is close to the best that India has experienced in a long time. Interestingly, FX reserves have increased by ~$24 bn in the last 3 months. The import cover has thus improved from below 7 months in Sep 2013 to nearly 9 months now.<o:p></o:p></span></div>
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<span style="color: #003399; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">From the above table it is evident that WPI has fallen more compared to CPI and the gap between CPI and WPI is at record levels. Also, since WPI is focussed on B2B prices and CPI on B2C prices, it is logical to expect CPI to fall with a lag. This gap between CPI and WPI makes us optimistic about lower CPI going forward.</span><span style="color: #003399; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
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<b><span style="color: #ff3300; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">US yields rise</span></b><b><span style="color: #ff3300; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></b></div>
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<b><span style="color: #ff3300; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">Conclusion and Outlook</span></b><b><span style="color: #ff3300; font-size: 13.5pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></b></div>
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<b><span style="color: #003399; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">All the key determinants of interest rates in India viz inflation and inflation drivers, fiscal deficit, CAD, economic activity point towards lower rates.</span></b><span style="color: #003399; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="color: #003399; font-size: 10.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">The recent strengthening of 10 yr G-sec yields from 7.65% to ~8% is mainly driven by sentiment (global sell off in bonds and bounce back in oil prices after a steep fall) in our opinion and does not change our view of lower rates in 2015 and 2016.</span><span style="color: #003399; font-size: 12.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">We had long told our patrons to invest in Long term Debt funds due to the above factors and have given in writings and papers about the same:<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Make sure to invest in Long Term and Fixed Income plans to get benefits of the current economic conditions in the true sense. Only By criticizing the government, you can never achieve anything much, but if you learn to get the benefits of improving fundamentals, you would surely achieve great returns in the coming time.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 10.0pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";">-With Inputs from Wealth Forum</span><o:p></o:p></div>
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arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-15753276022502093452015-05-06T16:52:00.000+05:302015-05-06T16:52:01.840+05:30Is money important in this world?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "Copperplate Gothic Bold",sans-serif; font-size: 24.0pt; line-height: 107%;">Is money important in this world?<o:p></o:p></span></div>
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Finance is the availability of sufficient funds with an individual. <i><span style="font-family: "Chaparral Pro Light",serif;">When a person possess sufficient finances with him, he has the cushion to live life as per his dreams and desires.</span></i> In the modern world, finances are really essential for someone to sail through the sea of this mortal world. This world is etched with materiality at every point. Nothing in this world, we see is spiritual in the real sense. This means <b>that in order to live comfortably in this world we have to learn the way this world works</b>. And that means that <b>we too have to possess some material possessions in order to make our lives really fulfilling in this world</b>. <o:p></o:p></div>
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<u><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Finances are important, really important in this world, because without money, no one can practically do anything in this world</span></u>.<o:p></o:p></div>
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<v:shapetype coordsize="21600,21600" filled="f" id="_x0000_t75" o:preferrelative="t" o:spt="75" path="m@4@5l@4@11@9@11@9@5xe" stroked="f"> <v:stroke joinstyle="miter"> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"> <v:f eqn="sum @0 1 0"> <v:f eqn="sum 0 0 @1"> <v:f eqn="prod @2 1 2"> <v:f eqn="prod @3 21600 pixelWidth"> <v:f eqn="prod @3 21600 pixelHeight"> <v:f eqn="sum @0 0 1"> <v:f eqn="prod @6 1 2"> <v:f eqn="prod @7 21600 pixelWidth"> <v:f eqn="sum @8 21600 0"> <v:f eqn="prod @7 21600 pixelHeight"> <v:f eqn="sum @10 21600 0"> </v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:f></v:formulas> <v:path gradientshapeok="t" o:connecttype="rect" o:extrusionok="f"> <o:lock aspectratio="t" v:ext="edit"> </o:lock></v:path></v:stroke></v:shapetype><v:shape id="Picture_x0020_8" o:spid="_x0000_s1026" style="height: 188.25pt; left: 0; margin-left: 0; margin-top: 299.8pt; mso-height-percent: 0; mso-height-percent: 0; mso-height-relative: page; mso-position-horizontal-relative: margin; mso-position-horizontal: left; mso-position-vertical-relative: margin; mso-position-vertical: absolute; mso-width-percent: 0; mso-width-percent: 0; mso-width-relative: page; mso-wrap-distance-bottom: 0; mso-wrap-distance-left: 9pt; mso-wrap-distance-right: 9pt; mso-wrap-distance-top: 0; mso-wrap-style: square; position: absolute; text-align: left; visibility: visible; width: 206.25pt; z-index: -251651072;" type="#_x0000_t75"> <v:imagedata o:title="" src="file:///C:\Users\Anmol's\AppData\Local\Temp\msohtmlclip1\01\clip_image001.jpg"> <w:wrap anchorx="margin" anchory="margin" type="square"> </w:wrap></v:imagedata></v:shape>The whole world suffers the basic problems of scarcity. Scarcity is the fundamental economic problem of the world, which means <b><span style="font-family: "Century Gothic",sans-serif;">that human wants are unlimited while the resources available are limited</span></b>. This means that a person is always in dearth of resources in the modern world. This applies to your wealth and money too. You always have to create a balance between your unlimited wants and the limited resources. In order to manage your limited resources, it is really important for you to <i>plan your money and plan your wealth.<o:p></o:p></i></div>
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<u>This calls for a comprehensive plan to identify the opportunities to save, and channelize them to avenues which help the money to be invested in a way which can be a support for you throughout your life. <o:p></o:p></u></div>
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<span style="font-family: "Chaparral Pro Light",serif;">It is hence needed that everyone understands the fact that in order to keep a balance between the unlimited wants and the limited resources one needs to grow his/her resources through some techniques that help him/her in facilitating his unlimited desires.<o:p></o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-64052668506312227602015-05-06T12:31:00.001+05:302015-05-06T12:34:35.635+05:306 Movies you should Definitely watch if you want to know about finances<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwUtEMX2nP3G5J2Cc54WxVbzdHMhyR1JqWpXOoebVFXig2ctQSrNB-4C44qB2GG8n2a6p6wWJ9dICl949wKXjTTXtTkXRWxv1M3ohieoVzPW52t7hYhDR4edT6h09kjkeCx-Itw0tuxwMP/s1600/Principles-of-Corporate-Finance-oscars_0.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwUtEMX2nP3G5J2Cc54WxVbzdHMhyR1JqWpXOoebVFXig2ctQSrNB-4C44qB2GG8n2a6p6wWJ9dICl949wKXjTTXtTkXRWxv1M3ohieoVzPW52t7hYhDR4edT6h09kjkeCx-Itw0tuxwMP/s1600/Principles-of-Corporate-Finance-oscars_0.png" height="166" width="400" /></span></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-size: 11.0pt;">Finance and business movies had always attracted quite an audience, but still the glamour world is away from this world. It appears that the finance sector appear less appealing to the glamor.<o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-size: 11.0pt;">It is always said that investments and glamor can never go hand in hand. <o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-size: 11.0pt;">But when one needs to know about some of the ways this market and business functions, some movies can be a true delight showcasing both the good and the bad of an industry.<o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-size: 11.0pt;">Some of the remarkable Hollywood movies which one needs to have a look if a person is interested in Financial Entertainment.<o:p></o:p></span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: large; line-height: 107%;">The Wall Street (1987)<o:p></o:p></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-size: 11.0pt;">Probably one of the best in the lot. All the quotes, the dialogues and the acting in the movies depict a true image of how things work inside large organizations.<span style="background: white;"> A young and impatient stockbroker is willing to do anything to get to the top, including trading on illegal inside information taken through a ruthless and greedy corporate raider who takes the youth under his wing.</span><o:p></o:p></span></div>
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<span style="background: white; font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-size: 11.0pt;">Must watch if you want a great lesson in investing.<o:p></o:p></span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: large; line-height: 107%;">Up In the Air (2009)<o:p></o:p></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="font-family: "Century Gothic",sans-serif; line-height: 107%; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 11.0pt;"><br /></span></span>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="font-family: "Century Gothic",sans-serif; line-height: 107%; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 11.0pt;">Up in the Air was released in December 2009 and is another film that had the luck of timing. George Clooney played a corporate consultant who flew around the country firing people for companies who couldn't do it themselves.At the time of the film's release in late 2009, the unemployment rate was near the highest of the Great Recession. Director Jason Reitman actually filmed dozens of real life people, who had been laid off themselves, getting "fake" fired, many of which made it into the film.</span><b><span style="line-height: 107%;"><o:p></o:p></span></b></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: 11.0pt; mso-bidi-font-family: Helvetica;">It's a rare film that focuses on corporate culture, depicting work colleagues socializing. It also offered a unique depiction of the road-warriors, those who fly from coast to coast for a living and spend more time in hotels than their own homes.<o:p></o:p></span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: large; line-height: 107%;">The Company Men (2010)<o:p></o:p></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 11.0pt;">Released in late 2010 when the U.S. economy had started to improve, this movie, starring Ben Affleck, Tommy Lee Jones and Chris Cooper, may have hit too close to home for some. It fell off the radar quickly. It focused on a year in the life of three men who were downsized from a major corporation and how it impacted their lives and families.<o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="font-family: "Century Gothic",sans-serif; line-height: 107%; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 11.0pt;">It's one of the rare movies to depict corporate identity and how closely tied Americans are to where they work. At the time of its release, it may have been just too realistic in its portrayal of the struggles of those who were laid off but it's definitely worth checking out now.</span><b><span style="line-height: 107%;"><o:p></o:p></span></b></span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: large; line-height: 107%;">Wall Street: Money Never Sleeps (2010)<o:p></o:p></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; line-height: 107%; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 11.0pt;">Could anything really top Wall Street? Twenty-three years later, expectations ran high.<o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="font-family: "Century Gothic",sans-serif; line-height: 107%; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 11.0pt;">Michael Douglas reprised his iconic role of Gordon Gekko for this December 2010 sequel which again focused on the world of the top traders and the ultra-rich. Gekko is newly released from prison and looking rebuild his lost empire, trying to win back his family in the process.Many fans of the original movie felt let down by this sequel, but so few films actually depict the elite hedge fund world, it deserves to be on this list.</span><b><span style="line-height: 107%;"><o:p></o:p></span></b></span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: large;">Margin Call<o:p></o:p></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: 11.0pt; mso-bidi-font-family: Helvetica;">Margin Call is probably the least known of these 5 movies but it's easily one of the best.<o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: 11.0pt; mso-bidi-font-family: Helvetica;">It depicts events that led up to a financial crisis at a fictional large well-known financial firm. The firm's portfolio of mortgage-backed securities blows up leaving the firm vulnerable to a credit crisis, much like that which happened during the actual financial crisis. You don't have to have a thorough understanding of finance to follow this movie with an all-star cast led by Kevin Spacey and Jeremy Irons. If you want to know what the culture is like at an elite Wall Street firm, this is it.<o:p></o:p></span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: large; line-height: 107%;">Arbitrage (2012)<o:p></o:p></span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="font-family: "Century Gothic",sans-serif; line-height: 107%; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 11.0pt;">Released in September 2012, Arbitrage, like Wall Street, explores the world of the elite hedge fund manager. Richard Gere stars as a hedge fund manager who has cooked the books to conceal fraud at his investment firm. His daughter, who also works at the hedge fund, discovers the fraud and he scrambles to get out of it.There are side plots, but this is yet another movie that thrilled in depicting the master of the universe types that make up Wall Street. If you liked Wall Street, you should be sure to have this movie on your list.</span><b><span style="line-height: 107%;"><o:p></o:p></span></b></span></div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-79722732953354111982015-05-04T14:51:00.002+05:302015-05-04T14:51:58.258+05:30New Riskometer for MF Products<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPVxlVIKX2xkof52bXzX6P_5AZnIkMgN7CEfUf2zqd3zrLfaQIOXBB76fWHppNN_1LhmiZhCHTHJzJtOnqTM2lu5tM9AoKBhr3nHFSH2oBbmeu47OnQQlP8_jyQQakvZNSh6doaTBZwjEc/s1600/180-angle.gif" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPVxlVIKX2xkof52bXzX6P_5AZnIkMgN7CEfUf2zqd3zrLfaQIOXBB76fWHppNN_1LhmiZhCHTHJzJtOnqTM2lu5tM9AoKBhr3nHFSH2oBbmeu47OnQQlP8_jyQQakvZNSh6doaTBZwjEc/s320/180-angle.gif" width="320" /></a></div>
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Now you will soon see a change in the old color coding system that depicted the risk profile of a financial product. The new system would be an 180-degree scale that would help investors to take better decision regarding a financial product based on their risk profile.</div>
<div style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">
The new system would have an 180-degree scale with an arrow pointing to an angle which would depict the risk profile. Where an arrow at the left side would denote low-Risk schemes, moving towards the right would mean the risk to increase. The new system will have 5 categories of risk which was three in the previous system.</div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-57841106620148245092015-05-01T12:22:00.000+05:302015-05-01T12:22:00.531+05:30May 2015 Newsletter<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxng6dOfxy38EcfovWTklpVilRRLRtccAO5ggrR0tToVvbj6U-NO8irEGvpHpmobbRP0-Ui6z6cVSjqbN9tI5ACMjEs1fcYYYGeFmEloPwTh1Jp2pbuATeuTZMBEFwyTJuNtmZ8ujM8SF6/s1600/newsletter+may.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxng6dOfxy38EcfovWTklpVilRRLRtccAO5ggrR0tToVvbj6U-NO8irEGvpHpmobbRP0-Ui6z6cVSjqbN9tI5ACMjEs1fcYYYGeFmEloPwTh1Jp2pbuATeuTZMBEFwyTJuNtmZ8ujM8SF6/s1600/newsletter+may.jpg" height="640" width="449" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
Presented before you is our outlook for the coming month in the financial area of Indian Economy and how various asset classes will perform over the time. Do read and give your valuable comments on what you think of the Indian Market in the coming month. </div>
Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-54893493544962246082015-04-07T13:27:00.003+05:302015-04-07T13:27:23.349+05:30Mutual Fund Solutions for SME's<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMsJDOsAWzMdmRZ-wTUt1oAIJwCyLx9C8GZel1wXLSX5W_7yuw_vOjdpoTbuHXMI79SWUvkLOqA3NakFrqUR_cN8re82REThtMpJA0E3pOy2uZHtThZrJm8K5QdhPuJboBgR8GkOlnyDA/s1600/06_04_2015_115_005_002.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMsJDOsAWzMdmRZ-wTUt1oAIJwCyLx9C8GZel1wXLSX5W_7yuw_vOjdpoTbuHXMI79SWUvkLOqA3NakFrqUR_cN8re82REThtMpJA0E3pOy2uZHtThZrJm8K5QdhPuJboBgR8GkOlnyDA/s1600/06_04_2015_115_005_002.jpg" height="624" width="640" /></a></div>
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arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-55516603366885587222015-04-07T12:27:00.002+05:302015-04-07T12:27:33.682+05:30Key Takeaways from the RBI Policy<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Arial, sans-serif; font-size: 9pt; line-height: 107%;">The market remained lacklustre post
announcement of RBI policy. The Reserve Bank of India kept repo rate unchanged
at 7.5 percent and cash reserve ratio at 4 percent.</span><br style="outline: 0px;" />
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<!--[endif]--><o:p></o:p></div>
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<span style="font-family: Arial, sans-serif; font-size: 9pt; line-height: 107%;">"One critical thing that RBI has said is
to wait for the impact of its front-loaded rate cuts on bank lending rates. I
think that will happen very soon and if data is supportive of a rate cut we
might see one between policies," he adds</span>.<br />
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<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">The Reserve
Bank of India (RBI) Tuesday left key interest rates unchanged at its bi-monthly
review, after effecting two out-of-cycle rate cuts earlier this year for 25
basis points (0.25 percent) each.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<strong><span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">Here are
the key takeaways from the RBI’s policy document:</span></strong><span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;"><o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* Global
growth is likely to firm up through 2015 and 2016, supported by stronger
recovery in the advanced economies (AEs) and soft energy prices.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* Global
financial markets have been boosted by expectations of normalization of US
monetary policy being pushed back into late 2015. Long-term yields have
declined to all-time lows on weak inflation expectations, compression of term
premiums and the safe haven allure of US Treasuries.<o:p></o:p></span></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* Domestic economic activity is likely to have strengthened in
Q4. Second advance estimates of the Ministry of Agriculture suggest that the
contraction in food grains production in 2014-15 may turn out to be less than
earlier anticipated. Growth in allied activities is likely to remain strong as
in the recent past, though it remains to be seen whether it will fully
compensate the decline in food grains output.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* The <b>industrial
sector</b>, and in particular, manufacturing appears to <b>be regaining
momentum</b> with the growth of production in positive territory for three
consecutive months till January<b>. Mixed signals</b> are coming from the <b>service
sector</b>.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* Retail
inflation measured by the year-on-year changes in the revised consumer price
index (CPI) firmed up for the third successive month in February as favourable
base effects dissipated, despite the price index remaining virtually flat since
December<b>. Inflation excluding food and fuel fell successively in the nine
months till February. </b>A large part of this disinflation has been on account
of the slump in international crude oil prices.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* At
current levels in the first quarter of 2015-16, <b>CPI inflation is projected
at around 4 percent by August</b> but firming up to reach <b>5.8 percent by the
end of the year</b>. The Reserve Bank will stay focussed on ensuring that the
economy disinflates gradually and durably, with CPI inflation targeted at 6
percent by January 2016 and at 4 percent by the end of 2017-18.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* Export performance has been progressively weakening and
contraction set in on both non-oil and petroleum product exports since December
2014. <b>Exports of services, particularly, software and travel have provided a<span class="apple-converted-space"> </span></b></span><b><span style="border: none windowtext 1.0pt; color: #333333; font-family: "Arial",sans-serif; font-size: 11.5pt; mso-border-alt: none windowtext 0in; padding: 0in;">silver</span></b><span class="apple-converted-space"><b><span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;"> </span></b></span><b><span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">lining and have helped to hold
down the current account deficit (CAD) which has narrowed in Q3</span></b><span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">. This
improvement has likely extended into Q4.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* The
outlook for growth is improving gradually<b>. Comfortable liquidity conditions
should enable banks to transmit the recent reductions in the policy rate into
their lending rates, thereby improving financing conditions for the productive
sectors of the economy.<o:p></o:p></b></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* <b>In
order to improve the efficiency of monetary policy transmission, the Reserve
Bank will encourage banks to move in a time-bound manner to
marginal-cost-of-funds-based determination of their base rate.</b> Detailed
guidelines will be issued shortly.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<br /></div>
<div style="line-height: 18.0pt; margin-bottom: .0001pt; margin: 0in;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">* As part
of continuing measures to promote liquidity, the <b>Reserve Bank will formulate
a scheme for market making by primary dealers in semi-liquid and illiquid
government securities</b>. Details of the scheme will be worked out and
implemented in consultation with market participants within the next three
months.<o:p></o:p></span></div>
<div style="font-stretch: normal; line-height: 18pt; margin: 0in 0in 0.0001pt; outline: 0px;">
<span style="color: #333333; font-family: "open_sans",serif; font-size: 10.5pt;">The second bi-monthly monetary policy statement will be announced
on June 2, 2015.<o:p></o:p></span></div>
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arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-31789390981118009772015-04-07T12:26:00.002+05:302015-04-07T12:28:51.664+05:30RBI Bi-monthly Monetary Policy: Key Announcements<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="margin-bottom: .0001pt; margin: 0in;">
The Reserve Bank of India (RBI) today decided to leave interest
rates unchanged when it met for a bi-monthly review, after effecting two
out-of-cycle rate cuts earlier this year for 25 basis points (0.25 percent)
each. <o:p></o:p></div>
<div style="margin: 0in 0in 0.0001pt; text-align: left;">
<br /></div>
<div style="margin: 0in 0in 0.0001pt; text-align: left;">
As a result, the
headline repo rate, the rate at which the RBI lends to commercial banks,
continues to stand at 7.5 percent. The Raghuram Rajan-led central bank also
decided to leave the statutory liquidity ratio (SLR) and cash reserve ratio
(CRR) unchanged at 21.5 percent and 4 percent, respectively. The SLR (expressed
as percentage of net deposits to be kept in liquid assets) and CRR (percentage
of funds kept with the RBI) are also tools used by the central bank to adjust
liquidity in the system. <o:p></o:p></div>
<div style="margin: 0in 0in 0.0001pt; text-align: left;">
<br /></div>
<div style="margin: 0in 0in 0.0001pt; text-align: left;">
In its monetary policy
statement, the RBI said that it would prefer to stand pat in light of recent
signs of pick-up in economic activity and comfortable liquidity conditions, and
as it awaits transmission of the recent rate cuts into the economy, further
data on inflation, shift in the quality of government spending, and for the
Federal Reserve’s moves on interest rate in the US. For further insight into the RBI Policy and key takeaways from the RBI's Policy Document, <a href="http://sangaminvestments.blogspot.in/2015/04/key-takeaways-from-rbi-policy.html" target="_blank">click here</a>.<span style="font-family: 'Times New Roman', serif; line-height: 107%;"> </span></div>
<br /></div>
arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-23263898625444325702015-04-03T11:10:00.002+05:302015-04-03T11:10:33.608+05:30Financial Freedom<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjeFKwBRCLpPBMqW6qBRaN4fyH8fVUE2J_McTm_nhJRBKlp308qbOKCO3GmlpViyIbs4hC9ulL3v4YHEN8pvZaAP_r4yOO5WIVd2Kwd_x7_YKthwEFZ6eBuXEZm8lYbHo6PjIBdSl_qMWLr/s1600/financial-freedom-seminar-logo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjeFKwBRCLpPBMqW6qBRaN4fyH8fVUE2J_McTm_nhJRBKlp308qbOKCO3GmlpViyIbs4hC9ulL3v4YHEN8pvZaAP_r4yOO5WIVd2Kwd_x7_YKthwEFZ6eBuXEZm8lYbHo6PjIBdSl_qMWLr/s1600/financial-freedom-seminar-logo.jpg" height="213" width="320" /></a></div>
<ul style="text-align: left;">
<li><b>Do you really want to be financially free?</b></li>
<li><b>Have you thought of living your life, king size?</b></li>
<li><b>Do you dream of a comfortable life, where all you have to
do, is chasing up your dreams?</b></li>
</ul>
<o:p></o:p><br />
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<o:p></o:p></div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
Most of us would say a yes to all these questions. But how
many of us would really do something in this regard?? And even if someone tries
to do some effort to attain financial freedom, what is the guarantee that you
would truly achieve it? <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Is the effort, which you are doing towards attaining
financial freedom, will really help you acquire it? <o:p></o:p></div>
<div class="MsoNormal">
For the answer to this question, we first need to address a
bigger question.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
<h2 style="text-align: center;">
<b>What really is
financial freedom?</b></h2>
<div class="MsoNormal" style="text-align: center;">
<o:p></o:p></div>
<div class="MsoNormal">
Financial freedom is a stage of life, when you do not have
to work, in order to earn a living and sustain the ones who are responsible on
you. Instead, your wise financial decisions, help you to attain a level through
your savings, that even if you do not earn, your lifestyle and earning patterns
do not change. And when you do not have to worry about sustaining your income
to support your expenses, you tend to work as per your will and not as per your
need. This makes you free and independent in the real sense. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
If your savings can really support you, you are sure to make
up your life much beautiful. But your regular saving efforts might not be just
enough to make this dream a reality, you need to diversify your savings in
avenues which offer returns that beat inflation. And with the help of someone
who is really an expert in such kind of management, your savings are even
protected of losses. To know more about financial freedom feel free to leave
your details <a href="https://docs.google.com/forms/d/1Is2msByOVpAI4odpUw7nISgHN_P6St4Kexae4eRehQs/viewform?usp=send_form">here</a>.
We will be happy to guide you towards your financial freedom. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<br />
<div class="MsoNormal">
***Our motive is not commercial, but to spread awareness
about financial freedom and safety in the real sense.***</div>
<o:p></o:p></div>
Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-52466008404489769342015-04-01T10:00:00.000+05:302015-05-01T12:27:13.998+05:30April Newsletter<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_vnkk2uKUhjU6f5P9I3xwruAt4KGgg1i7Dh7fZpOZSzBXp3FcNTKtfyTWO5mIO8ySYhRcHo82n6KBy9ZoiGLTyckrEuWkXlFpQtgpQKAbHSWILueF8sw7Vee4BwWUEC5cGYx951tvHvgl/s1600/SANGAMNEWSLETTERapril.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_vnkk2uKUhjU6f5P9I3xwruAt4KGgg1i7Dh7fZpOZSzBXp3FcNTKtfyTWO5mIO8ySYhRcHo82n6KBy9ZoiGLTyckrEuWkXlFpQtgpQKAbHSWILueF8sw7Vee4BwWUEC5cGYx951tvHvgl/s1600/SANGAMNEWSLETTERapril.jpg" height="640" width="450" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="background-color: white; color: #555555; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; text-align: left;">Presented before you is our outlook for the coming month in the financial area of Indian Economy and how various asset classes will perform over the time. Do read and give your valuable comments on what you think of the Indian Market in the coming month. </span></div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-59140282920574168592015-03-23T12:07:00.002+05:302015-03-23T12:07:27.823+05:30Do E-Wallet services and E-commerce Initiatives hampering your saving potential?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6oJRgGlf6sXRPVhFCjrSfE5NSfR9W9PcvqP0LTUTxcXKnwUOeg-6tecGdcqFJ-i4ZWkKRU9JVhISgsD0QfoFR5cHUXQOjKJ7zNBcy484iAvcAJtHtUEihs1EQSOqv5YtgU6z4vY-cR4A/s1600/ecommerce-thinkstock-100525864-primary.idge.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6oJRgGlf6sXRPVhFCjrSfE5NSfR9W9PcvqP0LTUTxcXKnwUOeg-6tecGdcqFJ-i4ZWkKRU9JVhISgsD0QfoFR5cHUXQOjKJ7zNBcy484iAvcAJtHtUEihs1EQSOqv5YtgU6z4vY-cR4A/s1600/ecommerce-thinkstock-100525864-primary.idge.jpg" height="213" width="320" /></a></div>
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Each day, some or the other shopping website is celebrating its mega sale day. And by this drive, it is trying to attract more and more customers to its portal. In the modern scenario, there are a number of websites right from Flipkart, to snapdeal, to amazon and others. As one sale ends, the other one comes with a new one.<br />
<br />How will then a person not be attracted and fall in lure of heavy discounts?<br />
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People these days do not think much before clicking the button to buy. It is not like the good old days when we have to plan a shopping day with family to have a purchase. That promoted periodic shopping. But these days, it appears that each single day is a shopping day. We are surrounded by the sellers everywhere. We use Facebook, Twitter, Whatsapp and the internet where advertisments of such sellers come in front of us each minute, and due to this, all we have to do is just browse and sail to the shopping page where most of us end up buying.<br /><br />Human mind and being always has a craving for new things and new experiences and due to this very nature, we cannot resist the temptation of ordering more and more. We see people all around us who just shop each day, and claim that they are saving due to huge discounts. But is it really the case? Is anyone saving in these big sales of e-commerce companies?<br /><br />Imagine a scenario. We have a salary of say 100. After our monthly and household expenditures, we managed to save, say, 30 previously at the end of the month. But since these sales came into the scene, hardly anyone is left with anything to save because they already had spend a few more bucks everytime a sale comes and at the end all he is left with is 10-20.<br />
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<span style="color: blue;"><b>These sales demote the age old philosophy of AAJ BACHAT KAL KHARACH to AAJ KHARACH KAL BACHAT.</b></span><br />
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This is a worrysome factor as people may not realize that we are heading towards a future where we will not have money but a few things which might not be of much use at that point of time.<br /><span style="color: red;"><b><br />Think before you spend, because you had to do much efforts before you actually earn.</b></span></div>
arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-37628815172572956182015-03-21T13:25:00.000+05:302015-03-21T13:25:11.911+05:30Passing of Coal bill: A positive for the economy<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white;"><span style="font-family: Arial, Helvetica, sans-serif;">Industry cheered the passing of coal and mining bill yesterday as it would bring much needed support to the ailing mining industry. Due to the laws and provisions, previously not much could be done for this industry by the industrialists but now even coal industry seem to boom in the coming time due to private participation openly due to the passing of the coal bill</span><br /><br /><span style="font-family: Arial, Helvetica, sans-serif;">The new coal law gives the government the power to allow private companies to mine coal and sell it in the open market, ending four decades of state monopoly. So far private companies could mine coal only for use as fuel in their own factories. The government has assured workers of Coal India that the state-run giant's interests will be protected, and that it is not in a hurry to get private firms to start commercial mining operations, but the new law allows it to go ahead whenever it wants.</span></span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><br />
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Friday's developments are likely to boost the morale of industry following as it does in the recent parliamentary approval of bigger stakes for foreign insurance firms operating in India. </span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><br /><div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_clso-alOSTy8tW5VMaiWqf_vyViYVBZzCJRfePtQHzgiOFM4C2Y7d4mVJ8texKe3kBY653VPFmJeI6Ab_3g_ph_TOOth0ecXsAJaflaYHa7eRbuvaCMCReWm3mmCwTFoZY-EpBd3NyY/s1600/coal.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_clso-alOSTy8tW5VMaiWqf_vyViYVBZzCJRfePtQHzgiOFM4C2Y7d4mVJ8texKe3kBY653VPFmJeI6Ab_3g_ph_TOOth0ecXsAJaflaYHa7eRbuvaCMCReWm3mmCwTFoZY-EpBd3NyY/s1600/coal.jpg" height="320" width="261" /></a></div>
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<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">The new laws will cheer industry leaders, who were excited about the formation of the Modi government last year, but appeared to be increasingly getting anxious about the absence of game-changing reforms and policies, particularly after BJP's humiliating loss to Aam Aadmi Party in the Delhi election and the aggressive stand that Congress was taking in Parliament. Finance Minister Arun Jaitley said parliamentary approval for the new laws signalled the defeat of 'obstructionism' by Congress, </span><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">according to a PTI report. </span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><br /><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">The passage of Bills is a huge positive for the economy. With this, I expect things to start picking up from June onwards. If coal sector does well, the infrastructure performance will pick up, which will have a multiplier effect on the economic growth," said Soumya Kanti Ghosh, chief economic adviser, SBI. </span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
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<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">In the coal sector, foreign companies with Indian subsidiaries will be eligible for commercial mining.</span><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">This provision is expected to attract global mining giants and make the sector more competitive and cost-effective.</span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><br />Overall, passing of these bills mean that the industry and the economy is at benefit and promises rich development in the coming time.</div>
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arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-28945007390798351122015-03-16T11:33:00.002+05:302015-03-16T11:33:49.407+05:30Planning a future for the new borns<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbUYZax6DrY8CH0zMcoIzs5eeo4hrkW1QjAFc8ES7Ovxb7eqwjRWRaXK-lhTMcGpuOWOsZ9H0LBSgcWnt1dDCZIpQMwmEeJs_iIQT_bJlpo8AqC-cTggTWIv2tinY9BxEMAgjB8PshIFA/s1600/shutterstock_132478784.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbUYZax6DrY8CH0zMcoIzs5eeo4hrkW1QjAFc8ES7Ovxb7eqwjRWRaXK-lhTMcGpuOWOsZ9H0LBSgcWnt1dDCZIpQMwmEeJs_iIQT_bJlpo8AqC-cTggTWIv2tinY9BxEMAgjB8PshIFA/s1600/shutterstock_132478784.jpg" height="195" width="320" /></a></div>
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<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Komal and Jas are a working couple and earn enough to enjoy a lavish lifestyle. They have been married for five years and are planning to start a family soon. It is going to be a life-changing event, so they need to modify their spending habits. They want to put the changes in place before the baby arrives. The first step, however, is to estimate the cost of raising a child. The estimate will depend on their income, savings and goals for the child.</span><br />
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<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Planning a family is a time for would-be parents to ramp up their savings net. Komal and Jas must have 6-9 months' expenses as savings in their emergency fund, which can be used when Komal decides to take maternity leave. Apart from the additional expenses related to the pregnancy and the arrival of the baby, the couple need to decide whether Komal would take an extended break from work. They need to adjust their expenditure accordingly and save enough for a transition from a two income to a </span><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">one-income household.</span><br />
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<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">They may have to reorient their monthly budget—instead of buying luxury white goods and going on holidays, they will have to use the money for higher medical care expenses and hiring a nanny for instance. </span><br />
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<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">It's never too late to start planning and saving for the long-term. Komal and Jas need to rework how they plan to fund their home loan EMI and meet other household expenses. Add to that the cost of raising a child and paying for higher education.</span><br />
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<b><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"><span style="font-size: small;">Investments will be key for ensuring the child's future. New parents should start saving early for both short-term as well as long-term expenses. While long-term investments can be made in equity, investing for short-term goals should be made in debt mutual funds. </span></span></b></h2>
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<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">The arrival of a child heralds a change in spending and saving habits. It is important to rework financial goals, ensure a clear strategy for funding them, and begin a saving and investing plan. A young family requires the highest capability in planning as it straddles liquidity, return, risk, short-term needs and long-term goals, all at once. </span></div>
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<span style="font-size: xx-small;">With inputs from:<a href="http://economictimes.indiatimes.com/articleshow/46563531.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #024d99; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">http://economictimes.indiatimes.com/articleshow/46563531.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst</a></span></h4>
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arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-54020353179114407962015-03-11T11:24:00.000+05:302015-03-11T13:20:36.701+05:30How can one rely upon SIP as the best investment option?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSlE7_ppOoB2Ab4LZ8EMIwgcggM8eUgdwdcs2JZt20AZPRLL6kmmk5LR135N6sP1qwoG6trZ0C_jujpvg6Hb2K_Ks07tRJMN12z71ML_0ekFeTWRIodr4mPNWvkpL_BNH2Jh8QjqXKDKI/s1600/mf_sip_pic.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSlE7_ppOoB2Ab4LZ8EMIwgcggM8eUgdwdcs2JZt20AZPRLL6kmmk5LR135N6sP1qwoG6trZ0C_jujpvg6Hb2K_Ks07tRJMN12z71ML_0ekFeTWRIodr4mPNWvkpL_BNH2Jh8QjqXKDKI/s1600/mf_sip_pic.jpg" height="204" width="320" /></a></div>
<span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"><br /><br />SIP or a Systematic Investment Plan is a medium to invest in Mutual Funds, which lets you invest regularly in the mutual funds, reducing your risk of equity, and benefiting you of Rupee Cost Averaging. If someone invest through an SIP route, one can be sure of great returns owing to the power of compounding.</span><br />
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If one is confused about Investing in a Mutual Fund and have some misconceptions regarding SIP's, let us illustrate the working of SIP with an example quoted below:<br />
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<i><span style="font-size: x-small;"><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">"Alpna Shah has invested in mutual funds through systematic investment plans (SIPs). She finds these easy to invest in as the amount is debited from her bank account and invested regularly. However, she doesn't understand how the investments are working as they are in 11 schemes, including taxsaving funds. She is also unsure about which one to access if she needs money. How can she organise these? </span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"><br /></span></span></i><br />
<i><span style="font-size: x-small;"><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">The SIPs are not investments, just a way to invest in mutual fund schemes. Shah's investments are in the underlying schemes, which are portfolios of shares, bonds and other securities. If her objective is to accumulate money over a period of time, she needs to invest in a diversified portfolio that evens out her risks. This should be the objective when she chooses funds to start SIPs in, and holding 3-4 well-diversified funds will serve this purpose. By starting SIPs in too many schemes, Shah </span><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"> may be overdiversified. She should retain 3-4 funds and close the SIPs in the rest.</span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">When Shah begins an SIP and buys mutual fund units, a folio number will be allocated to her. She is free to add to the folio by investing any amount at any time. She can also top up or increase the SIP amount, renew the SIP for a higher or lower amount, add more SIPs on different dates to the same scheme in the same folio, buy schemes of the same fund house and hold them in the same folio,</span><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;"> and move money from one scheme to another. While investing in a mutual fund, these facilities are available to her if she considers her folio like a bank account in which various activities can take place. Shah can consolidate her investments across 3-4 fund houses, with one folio each. If she provides her e-mail address in the folio, she can view one consolidated statement across fund houses to see how her investment is </span><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">working.</span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Shah can access her money any time she wants, except if the investment is in a tax-saving scheme that is subject to a three-year lock-in period. An SIP is a facility to invest in and there is no restriction on redeeming the money. She does not have to stop an SIP to redeem it. She can invest as well as withdraw as required.</span></span></i><br />
<i><span style="font-size: x-small;"><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial, Helvetica, sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /><span style="background-color: white; font-family: Arial, Helvetica, sans-serif;">Shah should see an SIP as a process for wealth accumulation, and use her folios to make it easy for her to review and transact."</span></span></i><br />
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This is how SIP in mutual fund is one of the most transparent, rewarding and simple investment option for anyone, who wish to accumulate desired corpus for his short and long term goals and commitments.<br />
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Team Sangam Investments<br />
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<span style="font-size: xx-small;"><br /><span style="font-family: arial;">With Inputs from:</span><a href="http://economictimes.indiatimes.com/articleshow/34578706.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #024d99; font-family: arial; font-size: 12px; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;">http://economictimes.indiatimes.com/articleshow/34578706.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst</a></span></h4>
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arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com1tag:blogger.com,1999:blog-7104844164445090479.post-77757446676820774392015-03-10T14:58:00.002+05:302015-05-01T12:24:21.845+05:30Market Outlook: March 2015<div dir="ltr" style="text-align: left;" trbidi="on">
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SANGAM INVESTMENTS bring to you Market Outlook for the month of March,2015.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOobrE_buM5_ofR9B0IvRWGg_L0FdEac1e315T2T_5NanvPod-ioJH6aEtMUX134zE921gYTdoFX8i3jdM_6NZEthmpYBwANNqSZrcdFws14juxNHHgkG37nuxUwaMsIUKNtCkDbEjrVqX/s1600/SANGAMNEWSLETTERmarch.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOobrE_buM5_ofR9B0IvRWGg_L0FdEac1e315T2T_5NanvPod-ioJH6aEtMUX134zE921gYTdoFX8i3jdM_6NZEthmpYBwANNqSZrcdFws14juxNHHgkG37nuxUwaMsIUKNtCkDbEjrVqX/s1600/SANGAMNEWSLETTERmarch.jpg" height="400" width="331" /></a></div>
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In case of any query, questions and feedback, feel free to mail us at sangaminvestments93@gmail.com.</div>
Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-87185899256960289892015-03-09T10:44:00.000+05:302015-03-09T10:44:03.148+05:30Tax Saving to help you grow better<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjP_8ZrBwpDlMYnZozMNM-gD5PK3xbsjQljAPyWEsZ4useZYKMPAZYHRvPFk895V-tAxMddn9PlWY1IYNJ1_WPLvHbgj0ciwLtEtTLnGjVdvMfaxfH5SXI-wa2eiser7kInXvulghZfANU/s1600/image_5316639D.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjP_8ZrBwpDlMYnZozMNM-gD5PK3xbsjQljAPyWEsZ4useZYKMPAZYHRvPFk895V-tAxMddn9PlWY1IYNJ1_WPLvHbgj0ciwLtEtTLnGjVdvMfaxfH5SXI-wa2eiser7kInXvulghZfANU/s1600/image_5316639D.png" /></a></div>
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Tax Planning should be a yearlong affair. It should start at
the beginning of the financial year, in April itself, but the large number of
people start thinking about tax planning investments in the last three months
of the year. Ideally for any individual, investing in tax saving instrument
should not be the main goal, but should form part of his overall long term
financial planning. Regular investing inculcates a habit of disciplined
investing among investors.<o:p></o:p></div>
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Financial planners and advisors say that investors who plan
to save taxes and also come with long term financial goals, mutual funds offer
one of the best products among tax saving instruments. One of the best tax
saving options is ELSS schemes. <o:p></o:p></div>
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<div class="MsoNormal">
Fund houses offer systematic investment plan with ECS
mandate for investing in these funds which make it easier for people to invest.
An SIP approach allows the investor to reap benefit of rupee-cost averaging. Here
the investor buys more when the price of a mutual fund scheme, that is its NAV,
is low.<br />
<br />
For more info about mutual funds and ELSS schemes, <a href="mailto:sangaminvestments93@gmail.com" target="_blank">contact us</a>.<o:p></o:p></div>
</div>
arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-52841806539641690082015-03-05T11:49:00.002+05:302015-03-05T11:50:06.211+05:30We wish Everyone a Very Happy Holi!!!!<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigBptHjpC3q6e4ZSbIbsTV3tucQihJf5Lf5IVy5gce9ByGNHuMbwqzBEDNux7sQ9Ktbbnzr-5nS-Q3CwI-ej6zUFYrE-KBQlKmDCUeQhUxlKzsg7QgMARgS7prHlTjOYwhlN3cSbzJQir6/s1600/Happy+Holi.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigBptHjpC3q6e4ZSbIbsTV3tucQihJf5Lf5IVy5gce9ByGNHuMbwqzBEDNux7sQ9Ktbbnzr-5nS-Q3CwI-ej6zUFYrE-KBQlKmDCUeQhUxlKzsg7QgMARgS7prHlTjOYwhlN3cSbzJQir6/s1600/Happy+Holi.jpg" height="200" width="320" /></a></div>
<br />
Holi is one of the most awaited and one of the most enjoyed festivals in India. Each year, many people soak themselves in colors, dry and wet to get drenched in the festival fever and make their personality colorful and unique.<br />
<br />
Holi makes us realize the importance of colors and how life is meant to enjoy the small happiness in our lives, like presence of colors in our lives.<br />
<br />
When we are happy, we can work more efficiently. And when we work, we can be more secured and relaxed in terms of our finances.<br />
<br />
Stay blessed, enjoy and be sure to make your life more secured by the way of investment in your happiness and your future.<br />
<br />
Team Sangam Investments</div>
Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-39760418941123247902015-03-04T10:44:00.000+05:302015-03-04T10:45:31.861+05:30Reserve Bank of India (RBI) lowers policy repo rate by 25 basis points to 7.5 per cent<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqk-yP-5dWwJRjxtcu8mLgbuxNjbkHl1d1uT1kQ_vSJTZRlvm6sXjiMsHyb7owujS_3g-y6yS6IdPeeaOflQh3O3XeuzUaDCzZfvSHvIB43llhn94Ugt0AM8mrz4grlfEKmL-NyrG7neNk/s1600/raghuram-rajan-L.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqk-yP-5dWwJRjxtcu8mLgbuxNjbkHl1d1uT1kQ_vSJTZRlvm6sXjiMsHyb7owujS_3g-y6yS6IdPeeaOflQh3O3XeuzUaDCzZfvSHvIB43llhn94Ugt0AM8mrz4grlfEKmL-NyrG7neNk/s1600/raghuram-rajan-L.jpg" height="265" width="400" /></a></div>
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The Reserve Bank of India (RBI) today lowered its policy repo rate by 25 basis points to 7.5 per cent on Wednesday, its second inter-meeting cut this year on the back of easing inflation and what it said was “weak state” of parts of the economy.</div>
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“Given low capacity utilisation and still-weak indicators of production and credit off-take, it is appropriate for the Reserve Bank to be pre-emptive in its policy action to utilise available space for monetary accommodation,” Reserve Bank of India Governor Raghuram Rajan said in a statement.</div>
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The RBI rate cut comes just days after the Narendra Modi government and the Reserve Bank of India agreed to formally adopt inflation targeting, though the central bank introduced its own targets a year ago.</div>
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Analysts said the RBI’s rate cut appeared to give a seal of approval for the government 2015/16 budget, and its pledge to exercise fiscal responsibility, while taking an additional year to meet a fiscal deficit target of 3 percent of gross domestic product.</div>
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“Softer readings on inflation are expected to come in through the first half of 2015-16 before firming up to below 6 percent in the second half. The fiscal consolidation programme, while delayed, may compensate in quality, especially if state governments are cooperative,” Rajan said.</div>
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The statement noted that the rupee’s relative strength also added to disinflationary pressures, although Rajan said the RBI does not target exchange rates and does not have a target for currency reserves.</div>
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Indian inflation has moderated sharply as oil prices slumped since last year. In January, consumer prices INCPIY=ECI rose an annual 5.11 percent, well within the inflation target agreed by the government and RBI.</div>
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In a document dated Feb. 20 but published on the ministry website on Monday, both sides agreed to set a consumer inflation target of 4 percent, with a band of plus or minus 2 percentage points, from the financial year ending in March 2017.</div>
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The RBI had first lowered interest rates this year on Jan. 15, in a similarly unexpected move. Both rate cuts took place outside of the central bank’s scheduled policy review meetings.</div>
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- Via The Financial Express</div>
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Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-75163562382860642222015-03-02T10:24:00.001+05:302015-03-02T16:07:34.799+05:30How Mutual Fund Investments will benefit from the Budget?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg22PYsD7jokn0zHQnj7inTMsZv2L1NK40qpaDjWBZf7m-pCuf2M0zFXkPzYIdg-JiF37atsAhm-Nzf3Qqym3AD9mZIDrzsiumeboUJCYrnyin-Adul1QrDQm6cIpxuhadTssDmDhyno5H6/s1600/budget-2015-your-investment-strategy+(1).jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg22PYsD7jokn0zHQnj7inTMsZv2L1NK40qpaDjWBZf7m-pCuf2M0zFXkPzYIdg-JiF37atsAhm-Nzf3Qqym3AD9mZIDrzsiumeboUJCYrnyin-Adul1QrDQm6cIpxuhadTssDmDhyno5H6/s1600/budget-2015-your-investment-strategy+(1).jpg" /></a></div>
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<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">Mutual fund (MF) investors have something to cheer from the budget. Scheme mergers will no longer be considered as fresh investments, allowing investors to make exits earlier without incurring taxes. For instance, long-term MF investors were deemed fresh investors the moment a scheme was merged with another one.</span><br />
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<span style="background-color: white; color: #3f3f3f; font-family: georgia; font-size: 15px; line-height: 20px;">This anomaly is now being rectified as the budget has offered tax neutrality for scheme mergers. "There will be no tax impact at the time of merger. Scheme mergers will no longer be treated as sale of fund at the time of merger," says Vidya Bala, head, MF research, FundsIndia.com, an online platform for MFs. "The relevant date (for taxation) is the date of original purchase and not the merger date," she says. "MFs can undertake consolidation of schemes," says A Balasubramanian, CEO, Birla Sun Life MF.<br /><br />via: The Times Of India</span></div>
Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com1tag:blogger.com,1999:blog-7104844164445090479.post-84561902753495128962015-02-28T10:50:00.005+05:302015-02-28T10:51:44.242+05:30Consensus is the worst phenomenon…<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-JSE9NBXcY3XIFjhChpf4iSNjsmF75C1Yk-6CTxkT2GokFrZOY8uACliUcZDNOv8-PZA8wxtAWy2W688zuMufLo2awsBZZyqbiBlas6asK5BqxspENegAfMeJcTbaigs9tFObwd_LhTE/s1600/Bzwij1JIQAAqspO+(1).png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-JSE9NBXcY3XIFjhChpf4iSNjsmF75C1Yk-6CTxkT2GokFrZOY8uACliUcZDNOv8-PZA8wxtAWy2W688zuMufLo2awsBZZyqbiBlas6asK5BqxspENegAfMeJcTbaigs9tFObwd_LhTE/s1600/Bzwij1JIQAAqspO+(1).png" height="276" width="400" /></a></div>
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<br /></div>
<div class="MsoNormal">
Consensus in literary terms means a general agreement. In the modern market phenomenon. A general
agreement as to what will happen if some event triggers up or what will it lead
to if something do not turns out to be great is all what people do all the
time. There is always a hype on the market performance when something big
happens in the country. It is a tendency to do something blindly when others
are doing the same. It is counting on the advice of someone without thinking
and without knowing the real reason.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
This leads to a false trend in the market where everyone
seem to follow the other one. If the herd is saying to quit the market, many
quit and in turn take the wrong decision. The same happened in 2008 when the markets
collapsed. Because of the collapse, many so called experts tended to project
their opinions about how market will not perform in the coming time and in turn
advised to quit at a lower valuation which led to loss to many retail investors
because they just listened to the consensus about the market performance. And thus,
they quit suffering losses. But at that time, it was not prudent enough. During
the times of downfall, it is fundamental to either hold on to market or to
purchase in the market, but the consensus at that time was built of quitting
the scene and thus, people had a bad experience of the market. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The same situation is quoted by the great investor in the
following quote:</div>
<div class="MsoNormal">
<br />
<b><span style="color: blue; font-size: large;"><span style="font-family: Georgia, Times New Roman, serif;">
“ Be fearful when others are greedy and be greedy when others are fearful.”</span><o:p></o:p></span></b></div>
<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
So just close the doors and make sure to never listen to the
herd and instead learn to guide the herd. And when you plan to guide, all you
need is just to understand that you need to work fundamentally, be stable, and
be consistent in your efforts in investing. And make sure that never to hear
the consensus but to build your own strategy on the basis of fundamentals of
equity investment, which is nothing more than being patient.<br />
<br />
<br />
<o:p></o:p></div>
</div>
arsachdevahttp://www.blogger.com/profile/02005219669001681613noreply@blogger.com0tag:blogger.com,1999:blog-7104844164445090479.post-56542072998496865592015-02-27T12:27:00.001+05:302015-02-27T12:27:12.852+05:30One Day…. Different views…<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://economictimes.indiatimes.com/photo/38108484.cms" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://economictimes.indiatimes.com/photo/38108484.cms" height="300" width="400" /></a></div>
<br />
<br /><div class="MsoNormal">
Just a single day left for the day when all the financial
eyes would look at the parliament for the finance minister’s presentation on
the budget. The markets and the general retail investor are looking towards
Arun Jaitley to fulfil their expectations. Retail investor is far from the
markets and the investment segment. In such a circumstance, looking upon budget
that it will infuse more retail investment in the market may not be the right
approach. <o:p></o:p></div>
<div class="MsoNormal">
Markets seem to be at all-time high. Valuations are strong,
but all these valuations are on just a market sentiment. The sentiment is large
and the expectations are high too. If the budget fails to meet the expectations
of the market and the investor, then it may be a possibility that the retail
investor may shoo away further from the market. <o:p></o:p></div>
<div class="MsoNormal">
A point which should be noted that the Indian markets have a
huge potential in the times to come. The budget only do not have the power to
shake this potential. May be this budget may lead to a slight dip, but it will
help the retail investor to be attracted towards justified valuations and may
enter the market.<o:p></o:p></div>
<br />
<div class="MsoNormal">
At this point of time, it is advisable to the investor to be
regular in his investment so as to capture the impact of volatility in their
investment drives.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
</div>
Anonymoushttp://www.blogger.com/profile/09683133747523177214noreply@blogger.com0