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Friday, 2 August 2013

Invest in Fixed Income Funds now to profit

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The 10 year benchmark yield rose by over 50 basis points and price dropped by 3.5 percent in a single day. NAVs of higher-duration debt funds fell by equivalent amount. Some long term gilt funds crashed 4%.

The fixed income market was in for a rude shock when government bond yields on Tuesday witnessed the sharpest 1-day spike in 4-and-half years. Bonds have been rallying till the end of May 2013, until depreciating rupee halted the rally. As the rupee breached the 61 /USD mark on increased dollar strength, bond prices headed south.The Indian currency has tumbled 9 percent in the last one quarter against the US dollar



All hell broke loose after the Reserve Bank of India (RBI) intervened on July 15 to protect the rupee by hiking MSF (Marginal Standing Facility) and bank rates, putting a ceiling on total funds available under its repo window at 1% of banks' deposits and announcing an OMO for July 18.

 

This move triggered a massive sell-off in the bond markets, raising yields to its highest level since January 2009. The 10-year benchmark yield rose by over 50 basis points while its price dropped by 3.5 percent in a single day. NAVs of higher-duration debt funds fell by equivalent amount. Some long term gilt funds crashed a whopping 4%.

 

What to do next

 

Speaking to moneycontrol.com, Amandeep Chopra, Group President and Head of Fixed Income, UTI said, investors who are already invested in fixed income funds need not panic because this measure is short-term in nature. They should remain invested. For new investors this knee jerk reaction in bonds presents a good investment opportunity. They would stand to gain once these measures are reversed.



While RBI's move may have led to a short term disruption, it also creates a large-medium term opportunity for bond funds, says a research note by IDFC MF. Measures undertaken by the central bank are bound to create a substantial drag on growth in an environment where growth is already weak. Also, it should substantially improve valuations on the curve thereby making the bond play that much more attractive once these steps are reversed, it added.

 

After Tuesday's knee jerk reaction long bond yields have become quite attractive for investments with a minimum one-year investment horizon, says a note by Tata Mutual Funds. "As the market come to terms with the new supply, we believe the long bond yields will ease gradually as long term investors like Insurance Companies, Provident Fund etc may be expected to take this opportunity. We therefore strongly recommend investment in dynamic bond funds at current levels with a 1Y investment horizon," it added.

 

New investors can park funds in shorter maturity funds as after current mark to market impact, the portfolio yields are expected to become attractive. Investors may also lock into current attractive yields through one to three year fixed maturity plans (FMPs), it added.

 

Given the current environment, HSBC Global Asset Management recommends investors to remain invested in short term products and flexible bond funds which run a relatively lower duration without impacting the flexibility to build duration over the medium term.

 

"Markets are ignoring bond positive data like negative IIP, lower core inflation and improvement in trade deficit because of depreciating rupee. Over a period, post the emergence of stability in the currency, we expect markets to return to fundamentals. Both government and RBI may have to focus attention on building back GDP growth. Recent volatility in the market may pave way for larger rate moves in medium term after removal of these measures," it explained.

 

According to Kotak Mutual fund, given the systemic nature of RBI's policy impact on the money market, the performance in the liquid and equivalent schemes would suffer for a day or two. But once the system stabilizes to the new reality, the high carry would provide a lucrative investment opportunity for the investors across the curve and investment duration, the note added.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

You can write back to us at PrajnaCapital [at] Gmail [dot] Com

---------------------------------------------

Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

Tax Saving Mutual Funds Online

These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )

  1. ICICI Prudential Tax Plan Invest Online
  2. HDFC TaxSaver Invest Online
  3. DSP BlackRock Tax Saver Fund Invest Online
  4. Reliance Tax Saver (ELSS) Fund Invest Online
  5. Birla Sun Life Tax Relief '96 Invest Online
  6. IDFC Tax Advantage (ELSS) Fund Invest Online
  7. SBI Magnum Tax Gain Scheme 1993 Invest Online
  8. Sundaram Tax Saver Invest Online
  9. Edelweiss ELSS Invest Online

------------------

Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Tax Saver MutualFunds Invest Online
      1. ICICI Prudential Tax Plan
      2. HDFC Taxsaver
      3. DSP BlackRock Tax Saver Fund
      4. Reliance Tax Saver (ELSS) Fund
    2. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund
Posted by at 07:35 0 comments

Know If you have to pay Wealth Tax

Invest In Tax Saving Mutual Funds Online

Call 0 94 8300 8300 (India)

 

Do you have to pay wealth tax?

Find out if you have to pay this little-known tax on certain assets you own



Very few taxpayers have heard of it and fewer pay it. However, this is no reason for you to ignore wealth tax. This tax is payable if the market value of certain assets exceeds 30 lakh. The tax is 1% of the combined value of such assets.


Wealth tax targets unproductive, non-essential and idle assets. In the crosshairs are two of the biggest obsessions of Indian investors: property and gold. If you have bought a second house and not given it on rent, the value of the property will be included while computing your wealth tax liability. Of course, the outstanding loan taken to buy the property will be deducted from this. Gold and silver, whether bought, gifted or inherited, will also be included in the calculation. Even the cash you keep in your locker at home is liable to wealth tax.


However, productive and financial assets, such as commercial property, bonds, fixed deposits, stocks, Ulips, gold funds, mutual funds, your savings account bank balance and gold exchange traded funds (ETFs) are exempt from wealth tax.


This tax is not taken very seriously by taxpayers because the Central Board of Direct Taxes is busy with other, more important, ones, such as corporate tax, income tax, service tax and excise. Wealth tax accounts for less than 0.25% of total direct taxes and is minuscule in the total revenue collection. Last year, it contributed 866 crore to the total revenue collection of 1,038,036 crore.


The taxman's disinterest is surprising because, although small, this is a regular stream of tax collection. Unlike income tax, which is levied on earnings just once, wealth tax is payable every year for the same assets. One would have thought that wealth tax collections would see an exponential rise as India's rich became richer. Instead, these collections have witnessed a slow growth, rising 10% from 787 crore in 2011-12 to 866 crore in 2012-13.


This doesn't mean the taxman will not go after you for not paying it. Direct tax collections have been below the target set in the budget and the CBDT is under pressure to improve compliance. There is a stiff penalty for evading wealth tax. Incorrect declaration of wealth can invite a fine of up to 500% of the evaded tax. One can also be jailed for up to seven years if the tax due is over 1 lakh. Remember, wealth tax evasion is easy to detect because the assets are tangible and undervaluation is not difficult to prove.


Are you liable to pay wealth tax? Fill the table provided here to know if you are rich enough to fall in its ambit. If the total figure exceeds 30 lakh, you have to pay 1% wealth tax on that amount. This can be paid online or deposited at any designated bank branch. The wealth tax return is to be filed using form BA and the last date for doing so is 31 July. If the assessee is liable to audit, the last date is 30 September.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

You can write back to us at PrajnaCapital [at] Gmail [dot] Com

---------------------------------------------

Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

Tax Saving Mutual Funds Online

These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )

  1. ICICI Prudential Tax Plan Invest Online
  2. HDFC TaxSaver Invest Online
  3. DSP BlackRock Tax Saver Fund Invest Online
  4. Reliance Tax Saver (ELSS) Fund Invest Online
  5. Birla Sun Life Tax Relief '96 Invest Online
  6. IDFC Tax Advantage (ELSS) Fund Invest Online
  7. SBI Magnum Tax Gain Scheme 1993 Invest Online
  8. Sundaram Tax Saver Invest Online
  9. Edelweiss ELSS Invest Online

------------------

Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Tax Saver MutualFunds Invest Online
      1. ICICI Prudential Tax Plan
      2. HDFC Taxsaver
      3. DSP BlackRock Tax Saver Fund
      4. Reliance Tax Saver (ELSS) Fund
    2. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund
Posted by at 06:35 0 comments

Thursday, 1 August 2013

Insurance Planning E-Policy

Invest In Tax Saving Mutual Funds Online

Call 0 94 8300 8300 (India)

 


It has more benefits compared to a physical one; faster claim processing is one

 

These are policies issued online as against a physical copy. Banks accept e- policies for loans against them and the repository will make a remark on the same.

E- policies are bought online. However, a few insurers still send the policy in a hard copy after it has been purchased online. This obviates the utility of buying a policy online. Hence, the Insurance Regulatory and Development Authority (IRDA) now allows insurers to partner one or more insurance repositories (NSDL, CAMS, etc) where life insurance policies sold to customers are saved in an electronic form.

Insurers are gearing up and building infrastructure so they can issue all types of life policies in e- format. At present, no deadline has been given to insurers. However, customers will continue to have the option to digitise policies or have those in a physical format.

Once insurers start issuing e- policies, slippages will reduce and the quality of after- sales service will improve. The cost incurred by the insurers would drop, leading to a decline in insurance premiums. About 20,000 e- policies are sold online monthly, mainly in health, motor and protection (term) products. E- policies help customers to buy a policy without the help of an agent.

Another benefit of an e- policy is you don't have to undergo the know- your- customer norms every time you buy an insurance.

At present, it takes two to three weeks to issue a policy offline, whereas an online one can be issued in a week. E- policies make it easier for insurers to maintain and records. The issuance of duplicate policies in case policy documents are misplaced would become easier and the customer would have an easy access to the online repository. The e- format would also enable quick retrieval of policies, leading to faster claim processing.

One can also reduce the chances of an insurance policy getting rejected. Life products sold online today go through the underwriting checks during the buying process itself. Any ambiguity an insurer has about a customers health is discussed with him and only then he is allowed to buy it online.

Also, since the purchase would be genuine, this would result in people holding their policies for a longer time, with fewer lapsed policies.

Insurers are gearing up and building infrastructure so they can issue all types of life policies in the electronic- format. At present, no deadline has been given to insurers. However, customers will continue to have the option to digitise policies or have those in a physical format

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

You can write back to us at PrajnaCapital [at] Gmail [dot] Com

---------------------------------------------

Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

Tax Saving Mutual Funds Online

These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )

  1. ICICI Prudential Tax Plan Invest Online
  2. HDFC TaxSaver Invest Online
  3. DSP BlackRock Tax Saver Fund Invest Online
  4. Reliance Tax Saver (ELSS) Fund Invest Online
  5. Birla Sun Life Tax Relief '96 Invest Online
  6. IDFC Tax Advantage (ELSS) Fund Invest Online
  7. SBI Magnum Tax Gain Scheme 1993 Invest Online
  8. Sundaram Tax Saver Invest Online
  9. Edelweiss ELSS Invest Online

------------------

Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Tax Saver MutualFunds Invest Online
      1. ICICI Prudential Tax Plan
      2. HDFC Taxsaver
      3. DSP BlackRock Tax Saver Fund
      4. Reliance Tax Saver (ELSS) Fund
    2. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund
Posted by at 20:49 0 comments

Why you need Financial Advisors

Invest In Tax Saving Mutual Funds Online

Call 0 94 8300 8300 (India)

 

They will help reduce investment risk and ensure consistent review of your portfolio

 

Anita and Amit were a happily married couple. Both of them were in the software industry and based on their current income levels, they borrowed heavily to buy a lavish flat in Mumbai. But within a few years, Amit had to take a pay cut due to the downturn in Information Technology sector. The couple had a tough time repaying their loan.

They had to drastically cut down their expenses, and also stop paying mutual fund payments and insurance premiums. Since they had been paying premiums for less than three years, they lost a lot of money they had paid towards premiums until then. By stopping their mutual fund Systematic Investment Plans they lost the opportunity to build up savings.

Although Anita and Amit continued to service their home loan, they were left with zero savings. Although, they managed to save their home from being taken over by the bank, they would have been able to continue with their loan as well as their savings if they had consulted a financial advisor.

For instance, an advisor would have told them that they can negotiate with their bank to restructure their home loan by reducing the monthly outgo and increasing the tenure. Or they could have shifted their loan to a bank where the interest rates are lower. This would have also helped reduce the monthly EMI. Since home loan pre- payment does not attract any penalty now, they would not have lost any money.

Despite higher incomes, today, people also borrow more. A household with multiple loans ( such as home, car, consumer durable, education) is very common. But despite the high income levels and borrowings, most of the households do not have a proper financial planning process.

This can be for two reasons – lack of time to do so or lack of awareness. Also, people do not realise that financial planning is not a one time process, but a continuous one that requires timely review.

If you do not have a financial plan in place, there can be a major impact on your wealth creation process. So for people who do not have the time or do not understand financial nuances, seeking help of a financial advisor makes a lot of sense. Investment products are becoming more complex and to understand risk and return trade off, needs expertise. A financial advisor can provide the same.

While choosing a financial advisor need to look at the services that he or she offers and the fees charged.

Ideally, a financial advisor should offer the following services:

Expertise in determining the best asset allocation Professional help to sort out investment hassles and estate planning Professional advice to help maximise returns from your investments Advise on retirement planning Before making specific recommendations, agood advisor will ask you questions to gain a whole picture of your past experience, lifestyle and goals, as well as your other investments and current financial situation.

You can consult an advisor even if you are just starting a career. For instance, Ajay a bachelor always felt that there was no need to save and used to spend recklessly. After all he had just started his career and had no dependents. Although his father was retired, the money from his savings took care of the household expenses. But suddenly Ajays father fell ill and the family incurred huge medical expenses. His father did not have health insurance and the treatment ate up a huge chunk of his savings. It was then that Ajay realised the importance of saving and planning fore retirement, especially for eventualities like illnesses in old age.

On basis of the advise of his friend, he met Jagan a neighbourhood financial planner who made him understand the nuances of financial savings. Due to the savings, Ajay was able to meet his fathers medical expenses and also started building his own corpus for future.

How does a financial advisor help :

Develops realistic expectations by providing proper perspective on the risks and rewards of each investment

Helps you match your financials goals with right investment avenues Monitors your portfolio and provides information on the returns being generated Regularly reviews the portfolio to ensure optimal results for you Gives opinion on investments Provides professional advice Mitigates your investment risk These are some normal services that investors should expect from their financial advisors. Other services could include advice on retirement plan, developing tax- efficient strategies, estate planning, home loan advice, etc.

Services and charges :

The fees charged by the financial advisor depends on the type of service availed. Investors should opt for financial advisors with good credentials.

Don't hesitate to ask what are the advisors qualifications. Preferably, look for an advisor who is certified by the Financial Planning Standards Board India.

Make sure he recommend products only based on your needs. If your financial goals change, inform your advisor and take his help to change your savings accordingly. There is no need to stick to the same plan that has been made when you started taking advice. Have regular meetings with your advisor and review your investment portfolio in his presence on a regular basis.

One should be careful while choosing a financial advisor. Don't forget to check his track record and avoid those who assure high and unrealistic returns without explaining the product. Also, beware of fly by night operators Financial advisors have an important role to play in terms of financial planning and implementation. There are plenty of financial advisors available.

However, before selection of financial advisor, please check the credentials in order to ensure safety of your capital.

Good time to invest in equity

 

RETAIL investors have largely taken a cautious approach ever since the 200708 global financial crisis, notwithstanding the recovery of FY10 and FY11.


Their behaviour reminds you of the famous adage ­ "once bitten, twice shy".


Even last year, when the domestic stock market was pretty buoyant and foreign institutional investors (FIIs) pumped in a lot of money ($24 billion), retail investors used the rebound to cut their equity exposure by redeeming mutual funds (MFs). They continue to shun equities this year with the NSE Nifty being more or less flat. Equity MFs have seen outflows worth Rs 6,000 crore year-to-date (YTD).

Given the challenging macro-economic backdrop, what strategy should retail investors adopt? We believe retail investors, who have been patiently waiting for some decent returns from equities for the past five years, should not lose heart. With expectations of subdued returns from gold and real estate, this is the right time to look at equities for long-term growth of one's investment portfolio.

Under-ownership among retail investors, coupled with expectations of a gradual economic recovery and undemanding valuations (12.0x FY15 earnings) make equity a fairly attractive investment option.

Our view on the domestic markets is positive over the next couple of years, as India's economic growth will start to look up slowly but surely on the back of better agriculture sector growth and increased government spending in the run up to general elections. Barring food prices, inflation has been brought under control and is not expected to rise anytime soon. Fiscal consolidation remains well on track. In fact, the FY13 fiscal deficit came in at 4.90 per cent of GDP opposed to the budget estimate of 5.20 per cent. The finance minister has expressed confidence in meeting the FY14 fiscal deficit target of 4.80 per cent of GDP .

Good southwest monsoon is likely to boost agriculture output, while large current account deficit (CAD) is also expected to moderate in FY14 on lower gold imports. The upcoming Lok Sabha polls will lead to some pick-up in fixed investments as tends to happen in a pre-election year.

The domestic stock market's valuation remains supportive at 12.0x FY15 earnings, which is below the long-term average of 15.0x to 16.0x one-year forward earnings. Retail investors can thus expect good returns from domestic equities over the next two years and recommend increasing allocation towards the same.

Retail investors can take exposure to equities via MFs. A variety of equity MF schemes are available in the market. One can opt for systematic investment plans (SIP) in one or more MF schemes -large-cap funds, large-cap cum mid-cap funds and balanced funds. If one is not shy of a direct equity exposure then one can buy large-caps and quality midcaps. Stagger your investments rather than putting a lump sum and stick to a disciplined approach by regularly reviewing your strategy.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

You can write back to us at PrajnaCapital [at] Gmail [dot] Com

---------------------------------------------

Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

Tax Saving Mutual Funds Online

These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )

  1. ICICI Prudential Tax Plan Invest Online
  2. HDFC TaxSaver Invest Online
  3. DSP BlackRock Tax Saver Fund Invest Online
  4. Reliance Tax Saver (ELSS) Fund Invest Online
  5. Birla Sun Life Tax Relief '96 Invest Online
  6. IDFC Tax Advantage (ELSS) Fund Invest Online
  7. SBI Magnum Tax Gain Scheme 1993 Invest Online
  8. Sundaram Tax Saver Invest Online
  9. Edelweiss ELSS Invest Online

------------------

Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Tax Saver MutualFunds Invest Online
      1. ICICI Prudential Tax Plan
      2. HDFC Taxsaver
      3. DSP BlackRock Tax Saver Fund
      4. Reliance Tax Saver (ELSS) Fund
    2. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund
Posted by at 19:31 0 comments
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