World Of Finance

  What is Estate Planning? Estate planning is the process of organizing and preparing for the distribution of your assets and property after you pass away. It is an important step in ensuring that your loved ones are taken care of and that your wishes are carried out according to your desires. One of the first steps in estate planning is to create a will. A will is a legal document that outlines how you want your assets to be distributed after you pass away. It is important to have a will in place, as it can help to avoid any potential disputes or legal issues that may arise. Another important aspect of estate planning is setting up trusts. A trust is a legal entity that holds assets on behalf of beneficiaries. Trusts can be set up for a variety of reasons, such as to provide for a child’s education or to protect assets from creditors. Another step to consider is creating a power of attorney. A power of attorney is a legal document that gives someone else the authori

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        World of Finance by M.Vijaya Sai With the macro environment being tippy these days markets worldwide are behaving very volatile. In this situation how can one position safe and be assured good returns. This can be tackled skilfully through various investment product’s. One of those products is Company Deposits or Company Fixed Deposits. One famous quote tells us -"The reason saving comes before investing is that you need to have seed before you can sow it in anticipation of a harvest." truly one need to save well, as your money should turn out to be a good yielding crop with high return. How can we make it happen? We know banks tend to give lower rate of return on our regular savings account. While the Gold reaching tall peaks making it not affordable for common man. Investing in equity market and mutual funds seems to be very risky because of high volatility. Further, although Fixed deposit's give good return they have long lock in period attached w

        World of Finance by M.Vijaya Sai A famous quote always reminds us –“Start Early, Drive Slowly and Reach Safely”. Same thing holds good for early birds (who are in beginning of their carrier) whose dream is to build a home of their choice. But often these early birds fall short of funds that could build their dream homes. For those who fall in this category. Step up loan is your recipe. A famous quote always reminds us –“Start Early, Drive Slowly and Reach Safely”. Same thing holds good for early birds (who are in beginning of their carrier) whose dream is to build a home of their choice. But often these early birds fall short of funds that could build their dream homes. For those who fall in this category. Step up loan is your recipe. What is this Step up Loan? Step up loan is a banking solution that helps you to plan and leverage your future expected salary increment to increase the quantum of home loan you avail at present. In simple words “You need

        World of Finance by M.Vijaya Sai Whenever we start a project, the first thing that we invariably do is planning. And when it comes to finance and business, needless to say that, planning becomes important activity. So what is financial planning all about? Financial Planning can be termed as a process in which financial needs are assessed first, objectives to achieve monetary goals are set and assets and resources are evaluated and ways to increase them are devised. Why is financial planning important? Of course!  The financial planning  activity not only allows the person to learn about planning his finances but also helps him understand the importance of cash flows and investments and track expanses that come handy in the most unexpected situations. How is financial planning done? Yes, this is what this article is all about: Planning your financial needs..Keep reading. How to make a Financial Plan? Financial planning is an integral part of financial management. This acti

        World of Finance by M.Vijaya Sai Thinking to invest in Market…..??? Moreover you are a risk-averse investor and want to minimize your risk….??? There is an investment avenue for you that are bonds and debt instruments which can give you fixed returns . They yield more returns as compared to the fixed deposits and the national saving certificates . But the question is.., as an investor how do I get the information as to which are the good ones amongst them .  The answer would be to go as per the Credit rating given to the securities . After all What is credit rating…? What is its importance…?? and What does that Indicate…??? There are thousands of companies in India all of them require capital for functioning and they issue securities to get funds.        Purpose of Credit Rating Credit rating agency is set up in order to protect the interest of the small or retail investors who invest in debt securities of companies. India was the first nation amongst

Portfolio Portfolio-Management is used to select a portfolio products that help in maximize the profitability or value of the portfolio and to provide balance. Before we go in detail about portfolio management we first need to understand what exactly portfolio means. Portfolio is a grouping of financial assets such as stocks, bonds and cash equivalents, as well as their mutual exchange-traded and closed-ended fund counterparts. Investors should construct an investment portfolio in accordance with risk tolerance and return requirements. Imagine a pie that is divided into pieces of varying sizes, investment portfolios are just the same representing a variety of asset classes or types of investments to accomplish an appropriate risk-return portfolio allocation. Portfolio Management Now that we know about Portfolio, it can be said that portfolio management is the art and science of making decisions about investment mix and policy, matching investments to objectives, asset allocation f