World Of Finance

        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 Think twice before you act. Here I mean we all must plan well in hand before we spend.This could save our money,resources and energy.These savings can be used elsewhere when it is necessary. Doctors often say "Prevention is better than cure" same thing holds good with Financial planners "Precaution is better than a trap". Generally a middle class Indian spends a lot without proper planning thinking that he has enough resources but at the end of month he generally falls short of funds. Here we will see how we could save some of our expenditure and save more while shopping and day to day activities. 1. Visit the point of Salas and evaluate the alternatives in the product line. 2. Avail discount coupons on shopping. eg: Pantlooms gives discount coupons on every purchase for card holder. 3. Set a realistic budget aside and stick on to it during your shopping. 4. Budget planning directs and makes provision for your spendi

        World of Finance by M.Vijaya Sai Consider yourself first when it comes to saving money. Get yourself turned on to the idea that your financial future will be prosperous as a result of your efforts.Set aside 10% of your income, just for you. By that I mean set them aside on a savings account with higher interest rate then your normal account. What is important is that the money is out of reach. If you save them on an account where you have easy access, you will more easily spend them. Get them out of your life! Not in your pocket! You can also be well off saving in funds. Pick safe funds when you pick, do not go for high risk investment funds or you might end up resenting your saving plan. Be also careful with credit cards, as a consumer you are better of with no credit on your account. This does not mean that you should not use plastic cards. You can easy use a debit card that does not allow you to withdraw more than you have on your account. Let the planning of saving an

        World of Finance by M.Vijaya Sai FINANCIAL planning. If that word is a put off, don't let it be. It's the all important word in your money dictionary. Here, we simplify it for you. Start with Step 1 - Put your finances in order We spend more than half our lives working and saving, but hardly spend any time planning on how to put that hard-earned money to work more effectively. So, how do you plan your financial life? Put your (financial) house in order Financial planning starts with a review of your overall financial profile, and not at investing. Before rushing to build an investment portfolio, you need to address the following issues: Insure your health, life and assets Start by protecting your family's current lifestyle against events/ expenses beyond your control. Buy appropriate insurance policies for your medical expenses, life, car, and other important assets. Repay high-cost loans Paying credit card bills on time can save yo

What is PPF…..??? Public Provident Fund (PPF) is a long-term, government-backed small savings scheme of the Central government started with the aim of providing old age income security to the workers in the unorganized sector and self-employed individuals. Currently, there are more than 30 lakh PPF account holders in India. An individual can have only one PPF account in India. Also, two adults cannot open a joint PPF account. The aggregate annual contribution towards PPF cannot exceed Rs.70,000 otherwise the excess amount will be returned without any interest. Currently, the interest rate offered through PPF is around 8 per cent, which is compounded annually. Interest is calculated on the lowest balance between the fifth day and last day of the calendar month and is credited to the account on March 31 every year. So to derive the maximum, the deposits should be made between 1st and 5th day of the month. People who are interested in liquidity or small-term gains would not be i

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

We often hear about markets coming down and going up, receiving dividends, annual general meetings etc and one of the reasons for all of the above things to happen is shares and debentures. Are there different types of shares and debentures? If yes then what are they called, what is the difference between them, are shares better than debentures, let’s find out answe r. Companies (Private and Public) need capital either to increase their productivity or to increase their market reach or to diversify or to purchase latest modern equipments. Companies go in for IPO and if they have already gone for IPO then they go for FPO. The only thing they do in either IPO or FPO is to sell the shares or debentures to investors (the term investor here represents retail investors, financial institutions , government, high net worth individuals, banks etc). Whether they issue shares or debentures totally depends upon the concerned company. Shares Shares are the marketable instruments issued by the com