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Balanced fund for Non Resident Indians

Labels: Balanced fund for Non Resident Indians

Mutual funds and Non Resident Indians:-

The growth of market in India and relaxation in regulations related to NRI investment in Indian market have encouraged and appreciated investments made by Non Resident Indians in mutual funds in India. There are many options viz-a-viz objectives, companies and return statistics while investing in mutual funds in India.

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How to Invest in Kisan Vikas Patra

Labels: How to Invest in Kisan Vikas Patra

Kisan vikas patra:-

Financial schemes that double an investment in a reasonable period of time have always attracted people. These schemes can be targeted to situations when money becomes scarce to fulfill needs of a person's life. Kisan vikas patra is one such scheme from Indian post office that doubles one time investment in a period of 96 months. If a person purchases kisan vikas patra for Rs.5,000 he/she will be getting back Rs.10,000

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National Savings Certificate

Labels: National Savings Certificate

What is NSC?

National Savings Certificate is a small Savings scheme (currently NSC VIII), issued by the Dept. of Post, Government of India. It is available for purchase across all head post offices and other authorized post offices in the country.

Who can Purchase:

Individuals for themselves
Jointly by two

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Systematic Transfer Plan (STP)

Labels: Systematic Transfer Plan (STP)

What is STP?

Systematic transfer Plan (STP) is a strategy where an investor transfers a fixed amount of money from one category of fund to another, usually from debt funds to equity funds. Investing a lump sum amount in equity or mutual fund could be dicey for the investor as Equity markets are volatile and returns in equity mutual fund is linked to the performance of stock market. On the other hand if the investor invests the lump sum amount in debt funds it will generate less return when compared to other

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What is Primary Market?

Labels: What is Primary Market?

Primary market is the part of capital market where issue of new securities takes place. Public sector institutions, companies and governments obtain funds for further growth of the company after the sale of their securities or bonds in primary market. The selling process of new issues in primary market is called as Underwriting and this process is done by a group of people called underwriters or security dealers. From a retail investor's point of view,

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What is ETF

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Definition:

ETFs are Exchange traded funds. They track an index, a commodity or a mix of assets like the index fund. ETFs like stocks are traded during the day in the exchange. The return on investment depends on the rise in the index or the commodity value. In some sense the ETF is like a stock, as they are traded in the exchange on real-time basis. In another sense they work like Mutual funds as the underlying asset comprises of a set of stock (like the nifty or a commodity like gold).

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Equity Linked Savings Scheme (ELSS)

Labels: Equity Linked Savings Scheme (ELSS)

Among various avenues of investments in capital market mutual funds are prominent investment options for investors across the globe. There are different types of mutual funds prevailing in the market which broadly can be classified into Equity, Debt and Balanced mutual fund. A mutual fund with certain terms and conditions like lock in period, income tax benefits etc. is known as ELSS or equity linked savings

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Why and Where Should NRIs Invest in India?

Labels: Why and Where Should NRIs Invest in India?

Overview on Indian economy:-

India's economy ranks well (within top 10) when it comes to purchasing power parity or the gross domestic product of the nation. India was always a nation with good economic status in history even before Christ except for the period between 1700 and 1950s. In present day scenario with technically skilled manpower resources, natural resources and a supporting system with political and legal stability, India stands as an

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Investment Options in India

Labels: Investment Options in India

India Growth Story

India has become one of the fastest growing economies. Investment growth is eventually linked to the growth of the economy. So most of the investors look for emerging markets where the growth rate is higher than the developed economies. As India is also a part of emerging market, most of the investors come with a question in mind "

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Systematic Investment Plan (SIP)

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What is SIP?

Systematic Investment Plan (SIP) is an approach to investing small amounts at regular intervals rather than investing lump sum amount at one time. Considered to be the safest way to invest into Equity Markets by going the SIP route, Investor is not trying to capture the Highs and lows of the market, but trying to average the cost by investing

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Basic Guidelines for NRIs Investing in Shares

Labels: Basic Guidelines for NRIs Investing in Shares

Indian stock market is one of the largest markets in the world. The performance of stocks in India has caught the eye of many a foreign countries, especially during the financial crisis that rocked the globe few years ago. With reforms in FDI from time to time, there has been a rapid increase in number of Non Resident Indians willing to invest in the Indian stock market.

Basic requirement for an NRI investing in shares

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What is Portfolio Management?

Labels: What is Portfolio Management?

The financial industry today offers a gamut of investment options to the common man. There is so much information available on various products and services that, very often it leaves the common man confused as to the choice of investments. Most often an investor finds himself inadequate to perform the task of managing his own investments due to lack of knowledge, time, education, foresight and resources. This scenario gives rise to the services of an entity that provides professional portfolio management

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How to Calculate Net Present Value (NPV)?

Labels: How to Calculate Net Present Value (NPV)?

Net present value is a summation of a series of future cash flows expressed in present values. It is a tool used to assess the viability of an investment done during a period. Net present value takes into consideration both, investments done and revenues generated during a period of time. If the NPV is positive (i.e. greater than 0), the project is viable and if it is negative (i.e. less than 0), then it is

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Short Term Investment Options

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Need for Short Term Investment

For the pressing expenses that are expected in near future, short term investments are the best option. This also works as an alternative for the traditional savings account as the savings account give lesser rate of interest than other short term investment options. It can also be chosen as the supplement for the retirement income.

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What are Sector Funds?

Labels: What are Sector Funds?

Sector funds are those mutual funds or ETFs that invest in a single sector like Information Technology, Telecommunications, Pharmaceuticals, etc. In this type of investment there is very little or no diversification.

The purpose of sector funds is to take advantage of a growing sector. So it is important to understand the various sectors and the trends in their growth. Exiting at the right time is crucial to avoid loss. If you are holding a wrong sector at the wrong time it

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Company Fixed Deposits in India

Labels: Company Fixed Deposits in India

Non banking financial companies in India:-

Apart from banks there are companies in India that accept money from general public for a fixed term and pay interest. These companies are authorized by the Reserve Bank of India to perform these tasks under specified regulations of RBI. However RBI does not guarantee on any sort of transactions or trades entered into with these institutions. In other words the institutions are not actually backed by the

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Benefits of Systematic Investment Plan (SIP)

Labels: Benefits of Systematic Investment Plan (SIP)

Once you decide to keep aside a portion of your earnings for a prosperous future of your loved ones and yourself, nothing can be better than starting a Systematic Investment Plan popularly referred to as SIP.

SIP is an investment tool that helps you to save regularly in small portions. It can be identified as a recurring deposit in a post office or a bank that demands you to

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Basic Investment Principles for Beginners

Labels: Basic Investment Principles for Beginners

Investment is like planting a tree today so that in future you and your family may be able to enjoy its fruits and also be able to rest in its shade comfortably. You all know how important it is for you to provide financial security to your family and yourself.

It is needless to say that all the hard work and effort

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Investment &Portfolio Diversification

Labels: Investment &Portfolio Diversification

The famous phrase "Never put all your eggs in one basket" holds very true in case of your investments too. Portfolio diversification is a tool or a technique that helps you minimize your risk by investing in different schemes and plans.

It's just like if you put all your eggs in one basket and if it drops, you may lose all of them. Similarly, if you invest all your savings in a particular plan or

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Why is Long Term Investment Important?

Labels: Why is Long Term Investment Important?

Long Term Investments are those when you hold your stock, assets, bonds etc for a duration which is more than a year, may be ten years or something that you intend to hold for even much longer. If you are the one who is not running after quick returns then long term investments are your cup of tea. Long term investments grow substantially in good number of years and give you higher returns in the long run.

However, long term investments demand a high level of commitment,

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PAN Card - How to Apply, Documents &Reapplication

Labels: Documents &Reapplication , PAN Card - How to Apply

Permanent Account Number or PAN as it is popularly known is a unique ten digit alphanumeric combination. It is not only unique but also permanent as the name says which means that it remains the same even if there is a change of address within the state or inter-state.

All the juristic entities that can be identified under the Indian Income Tax Act 1961 need to own a PAN Card. In other words it serves as the most important

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Things to Know Before Investing in Mutual Funds

Labels: Things to Know Before Investing in Mutual Funds

Mutual Funds are a pool of funds from a number of investors who wish to purchase securities. It is a professionally managed investment tool by way of which investors collectively invest mostly in open-ended funds. The professionals who manage these funds aim at turning the small deposits of earnings of investors into capital gains and incomes for the investors.

The year 1963 marked the onset of Mutual Funds in India with the

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Where to Invest for Retirement?

Labels: Where to Invest for Retirement?

Just waking up one day and thinking of investing for retirement would not serve your purpose. Retirement Planning is a well planned process and it needs to be done very diligently. It is important for you to invest your savings in a way that they turn to be fruitful to you than being futile when you enter your golden days.

Retirement Planning should not be neglected and it is important to take

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Best Ways to Plan for Retirement

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Understanding Retirement Planning

Retirement Planning refers to a process of saving money for the time when the paid work comes to a halt. It is the process of planning and analyzing your future monetary needs and the source from where you can earn that.

You have to identify your expenses, sources of income, manage your assets and make apt arrangements for future cash inflows. How will you spend your time

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Advantages and Disadvantages of Investing in Gold ETFs

Labels: Advantages and Disadvantages of Investing in Gold ETFs

What is Gold ETF? – Exchange Traded Fund (ETF) is a kind of investment fund that is traded on stock exchanges. An index like a bond index or a stock index is tracked by most of the ETFs.

An ETF or a mutual fund that puts in money only in gold bullion and gold producing companies are called Gold ETFs. It is an open-ended mutual fund scheme and money collected from all investors is invested in gold. These funds are passively

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Important Points to Know About EPF

Labels: Important Points to Know About EPF

EPF stands for employee provident fund. It is compulsory for salaried people working in organisations that are registered under the Employees' Provident fund Organisation (EPFO) to contribute 12% of their Basic +Dearness Allowance in EPF; it is a very good saving tool. The advantages and other important points to bear in mind about EPF are discussed below:

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Things to Remember While Selecting Your Financial Advisor

Labels: Things to Remember While Selecting Your Financial Advisor

India is one of the countries with fast growing economy. This has made the country's financial scene extremely dynamic. Therefore, financial planning has become a specialised need of the hour. This need has led to mushrooming of financial advisors.

Caution has to be exercised before choosing the financial advisor and there are a few parameters that will help in checking the credibility of such a

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Gold Jewelry Schemes in India - Things to Know

Labels: Gold Jewelry Schemes in India - Things to Know

Gold, the word itself triggers beautiful, magnificent and marvelous pictures of ornaments made from the yellow metal which any lady would die for. Gold ornaments give a grand & glorifying feel during weddings, functions and festivals. But going by the present scenario and increase in the prices of gold, it seems that this most sought after metal is getting out of reach of most of the people.

With the steady increase in gold prices, buying gold jewelry is

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Common Mistakes to Avoid in Personal Finance Planning

Labels: Common Mistakes to Avoid in Personal Finance Planning

Financial planning involves a complete understanding of one’s financial needs and future goals. Once these are established it is easy to finalise on a comprehensive solution. In the journey towards securing ourselves financially there are some common mistakes that we commit. Some of the mistakes to avoid and the solution

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Rajiv Gandhi Equity Savings Scheme (RGESS) 2012 - Things to Know

Labels: Rajiv Gandhi Equity Savings Scheme (RGESS) 2012 - Things to Know

Rajiv Gandhi Equity Saving Scheme (RGESS) is a new equity tax advantage saving scheme introduced for the first time equity investors in India. This scheme was announced in the 2012-13 budget by the Finance Minister of India.

This scheme has been floated specially for individuals who have never invested in stocks but going by the experts the irony is that it is quite a complicated and

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