Showing posts with label INVESTMENT. Show all posts

Monday, August 25, 2025

Post office benefits

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Warning: If you received this SMS, be careful!

Warning: If you received this SMS, be careful! Otherwise, the bank account will be empty in a few minutes
Warning: If you received this SMS, be careful!

With new types of phishing attacks, hackers are targeting banking customers in India as bankers. He is collecting sensitive information like his internet bank, portable number, and once-secret key (OTP).

The Indian Computer Emergency Response Team or CERT-IN has warned all citizens living in the country about the new scam. This admonition is about bank misrepresentation OR bank fraud. Security agencies have noted that hackers are launching new types of phishing attacks targeting customers as bankers. Hackers are using the Engrock platform for this. Phishing attacks are forcing users to access sensitive information such as their internet bank credentials, one-time passwords, phone numbers, and more.

Best medium duration funds to invest in debt securities

You can choose all these medium duration funds to invest in debt securities

Best medium duration funds to invest in debt securities

There are many types of funds available for investment in debt securities. You can think of a medium-duration fund for investing in debt securities for one to three years. It can be seen as an alternative to bank deposits. Let's take a look at the whole dozen funds in the market. Their Crisil rating will also be mentioned in the discussion. Note that the lower the Crisil rating, the better. Rating 1 to 5. 1 is the best. 2 is also very good.

How to pick Mutual Funds From The Market

Selecting Mutual Funds to Outperform the Market
How to Pick Mutual Funds From The Market

With over 6,000 mutual funds available, it can be tempting to choose a fund from a popular star or index rating system. Intelligent investors balance many factors in their selection process. The rating only presents the historical performance of the fund and cannot predict the future.

Performance consistency, management skills, and cost constraints are several factors that affect the likelihood of funding. Each needs to be carefully evaluated to improve your chances of finding funds for the market correction.

Make a plan

Set your financial goals. Are you saving for retirement? Leaving money for a home? Funding for a child's college education? Your answer will have a significant impact on your choice of mutual funds. More time lets you use invasive methods. Urgent need for security and capital protection. Cautiously think about your capacity to bear hazards. If the market goes down, what time will you sleep? Is this a 5% drop? 10% drop? An asset allocation plan will balance your portfolio and give you the highest return for your acceptable level of risk.

Cancel Recent Results

Past performance is not an indicator of future results. No true words can ever be said and they are included in every mutual fund advertisement. However, it's difficult to disregard these numbers, which fund companies simply put in big bold letters - warns us right above the fine print. There is nothing more interesting than a great record fund especially because of its disappointing performance in the market.

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The past performance can give a good start, but nothing more. In fact, past performances predict losers more than winners. A 1998 study by fund-tracking agency Morningstar found that top fundraisers rarely have their place on the charts. The study also concluded that bottom actors rarely do anything but drown. Never think that the past will repeat itself, however, ignore a fund's historical record at your own risk. Avoid perennial necklaces.

Seek Continuity

Evaluate the performance of a mutual fund outside recent years. Any fund can get lucky, but it is a rare organization that proves itself year after year. Examining the long-term performance of a fund can answer the question of sustainability. If the presentation was acceptable, was it a repeat because of skill - or just a spike due to dumb luck?

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Look for a solid record of returns, but rather crap fits after the trend fund show of the big year. Compare the fund's earnings with a relevant benchmark index (large-cap vs. S&P 500, Russell Index small-cap, etc.). Solid funds will not only consistently beat the benchmark, but they also have to outperform their peers.

Find good managers

Always review the experience and performance of fund managers. At the point when you purchase a common asset, you are really putting resources into the experience, skill, and intelligence that the manager brings to the table. When the manager leaves, the fund's performance usually goes with him. For how many years has the manager been leading the fund? The longer (if it gives stronger results), the better. And take care of the gurus. The best managers in the industry are respected, highly regarded, what's more, regularly referred to in the press. You will find many articles published in popular articles and magazines and even manager profiles.

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Think cheap

See cost of ownership of funds. Although you cannot predict the performance of a fund, you can control the ongoing costs. Since cost affects your ability to grow your investments over time, choose a fund with a lower cost. Charge a 12B-1 fee to cover cost ratios, sales fees, trading costs, and marketing, dissemination, and deals. Everything counts against your bottom line - keep it as small as possible. When possible, choose funds that are priced below their category average.

Taxes are often overlooked and unless you invest in a tax-deferred, retirement account, your after-tax gains can be quite small. Avoid funds with large distributions (capital gains payouts) by looking for funds with low transactions. Since the purchase and sale of stock carry transaction costs, lower turnover translates to lower costs and lower capital gains tax. Fund managers who seek to increase returns through frequent security buying and selling are not your friends.

Put them all together

Choosing a mutual fund is a daunting task. You need to invest energy in learning, researching, examining, analyzing, and comparing. It is important to develop your own perspective using some of the elements listed here, including your own judgment and decision-making ability. Review your investment plans and fund selection criteria at least once a year. Ensure the arrangement actually coordinates with your objectives and that the assets match your assumptions.

This is your money. This is your future. Take your time. Make it right.

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FAQ

How do I choose a money market mutual fund?

Choosing a money market mutual fund involves careful consideration of key factors. Start by assessing your investment goals, risk tolerance, and time horizon. Look for funds with a solid track record of stable returns and low expenses, as these directly impact your overall returns. Consider the fund's credit quality, diversification, and the issuer's reputation. Pay attention to the yield, but avoid chasing high returns at the expense of safety. Lastly, review the fund manager's expertise and experience. By conducting thorough research and aligning your preferences with the fund's features, you can select a money market mutual fund that suits your financial objectives and risk profile.

How do I choose the right mutual fund?

Selecting the right mutual fund requires a thoughtful approach based on your financial goals, risk tolerance, and investment horizon. Begin by identifying your objectives—whether it's long-term growth, income, or capital preservation. Assess the fund's past performance, looking for consistency and a proven track record. Understand the fund's investment strategy, asset allocation, and fees. Diversification is key, ensuring your investment is spread across different sectors or asset classes. Research the fund manager's expertise and tenure, as their decisions significantly impact returns. Lastly, stay informed about market trends and periodically review your investment strategy to ensure it aligns with your evolving financial goals.

How do I choose a new mutual fund?

Choosing a new mutual fund requires a thoughtful approach to align your investment with your financial goals. Start by defining your objectives and assessing risk tolerance. Research and compare funds, considering performance, expenses, and fund types. Examine the fund manager's track record for consistency. Understand fees, read the prospectus for detailed information, and diversify your investments for risk management. Remember that past performance doesn't guarantee future results. Consulting a financial advisor can provide personalized guidance. Regularly monitor your investments, adjusting them as needed based on your evolving financial situation and market conditions. Making informed decisions ensures a more strategic and tailored investment approach.

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Wednesday, January 3, 2024

HOW TO PROTECT Children's future? make this kind of investment

Children's future will be 'protected', make this kind of investment
HOW TO PROTECT Children's future? make this kind of investment

Raising children is not the responsibility of parents. Rather their parents just have to think about their financial strength.

The future of the children depends on the upbringing of the parents. This upbringing teaches the child to move in the right direction, so move on. However, the importance of saving the child is also explained in this upbringing. They say from time to time that money has a very important place in life in terms of earning money is an essential part of nurturing.

But kids need to understand this thing themselves before they can explain it. In fact, parents will only be able to explain this to their children when they themselves have the necessary savings for them. And start saving for them at the right time.

Fixed deposit is the best investment option

Fixed deposit is the best investment option

Fixed deposit is the best investment option

Investing in fixed deposits is still the first choice of people, however, there are numerous purposes for this marvel.

If you seek investment advice from an older person in the home, whose first name they say they will definitely advise you on a fixed deposit (FD). This is why it has proven to be a great investment option for a long time. It was best when there were no investment options, even when there were many investment options open.

The difference between savings and investment

The difference between savings and investment

Both savings and investment provide economic self-sufficiency. However, there is a big difference between the two and it is very important to understand the difference between the two to avail the banking services.

Where to invest - gold, silver, or bank?

Investments are made based on ability, need, age, and market knowledge. Long-term investments and short-term investments depend on the amount of liquidity you have. There’s an old saying ‘don’t put all the eggs in one basket but it fits perfectly for investment. Invest in your funds, future needs, risk factors, and trends.

LIC Jeevan Labh Policy: become a millionaire

LIC Jeevan Labh Policy: By investing Rs 17 per day you will become a millionaire

LIC Jeevan Labh Policy: become a millionaire

LIC Jeevan Labh Policy comes under Non-Linked Plan

Simple Reversionary Bonus and Final Edition Bonus are available in the plan

There are many ways at present to secure yourself financially for the future. As a current venture and investment people are going towards SIP investment and mutual funds. Both of them depend on the mood of the market. On the off chance that the market is progressing nicely, then there will be profit or loss. If you want to invest and you want that you do not suffer loss and get both profit and protection, then you should go towards such a policy of LIC which is not linked to the stock market i.e. LIC's Non-Linked Plan (LIC Non-Linked Plan). Today we will enlighten you regarding a particularly non-connected arrangement, which can make you a millionaire soon with an investment of Rs 17 per day. The name of this policy is LIC Jeevan Labh Policy.

ALSO READ: SEVEN BEST INVESTMENT OPTIONS

Here are some of the special features of

The policy - Only people between the age group of 8 to 59 years can take this policy.

The development age of this strategy is 75 years. The strategy term can be taken from 16 to 25 years. At least two lakh rupees have to be taken sum assured. There is no boundary of the highest point.

Compensation for accidental death and disability has been included in this policy.

15 Practuce Sets Bhartiya Jeevan Bima Nigam (LIC) Prashikshu Vikas Adhikari (ADO) Bharti Pariksha 2015

On the off chance that you spend a premium of Rs 1,55,328 for 25 years i.e. Rs 518 i.e. Rs 17 per month, then on

The maturity you will get is about Rs 4.04 lakh with a bonus.

Know about the benefits of the policy

- There is also limited premium payment which means the premium paying term is less than the policy term or maturity period.

- At the same time security and assured returns facilities are also available.

Loan facility available after paying a premium for three years.

Add-on riders facility in the form of Accidental Death and Disability Benefit Rider.

Expense exception under segment 80C of Income Tax on premium.

Expense exception on development sum under segment 10(10D) of Income Tax.

ALSO VIEW: LIC Pension Scheme: you can get a pension with better returns.

This is how the payout is

If the policyholder dies and he has paid all the premiums without any interruption till the death, then the nominee is paid in full by adding the Sum Assured, Reversionary Bonus, and Final Addition Bonus. The special thing is that the death benefit received here should not be less than 105 percent of the total premium paid till the death of the policyholder. Where the policyholder survives the entire term and has paid all the premiums till maturity, he/she is paid the Sum Assured along with the Reversionary Bonus, and Final Addition Bonus.

LIC Jeevan Labh Policy comes under Non-Linked Plan Simple Reversionary Bonus and Final Edition Bonus are available in the plan There are many ways at present to secure yourself financially for the future. Both of them depend on the mood of the market. On the off chance that the market is progressing nicely, then there will be profit or loss. If you want to invest and you want that you do not suffer loss and get both profit and protection, then you should go towards such a policy of LIC which is not linked to the stock market i.e. The name of this policy is LIC Jeevan Labh Policy. Here are some of the special features of The policy - Only people between the age group of 8 to 59 years can take this policy. The development age of this strategy is 75 years. On the off chance that you spend a premium of Rs 1,55,328 for 25 years i.e. Know about the benefits of the policy - There is also limited premium payment which means the premium paying term is less than the policy term or maturity period.- At the same time security and assured returns facilities are also available. Add-on riders facility in the form of Accidental Death and Disability Benefit Rider.

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LIC Jeevan Labh 936 With Example of 10 Lac Sum Assured , Heavy Discount On Premium

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The name of this policy is LIC Jeevan Labh Policy.LIC LIC Jeevan Labh Policy comes under Non-Linked Plan Simple Reversionary Bonus and Final Edition Bonus are available in the plan There are many ways at present to secure yourself financially for the future. On the off chance that the market is progressing nicely, then there will be profit or loss. On the off chance that you spend a premium of Rs 1,55,328 for 25 years i.e. Here are some of the special features of The policy - Only people between the age group of 8 to 59 years can take this policy. Add-on riders facility in the form of Accidental Death and Disability Benefit Rider. Both of them depend on the mood of the market.

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FAQ

Is it worth investing in LIC Life Profit?

If you choose to invest in this policy, you can be rest assured that in the event of your unfortunate demise, your family's future is secured and their needs are taken care of. Moreover, LIC's Jeevan Benefits offer significant flexibility in terms of policy term, premium paying term, age etc.

How much money will I get from Life Benefit Policy?

Using the LIC Life Benefit Calculator, the annual premium comes to Rs 54,707. Higher of (7 x 54,707 = Rs. 3.82 lakh) or BSA (Rs. 10 lakh), which means the nominee will get the latter. For 10 years, the bonus will be Rs (44 x 10,00,000/1,000) x 10 = Rs. 4.4 lakhs.

How To Make Your Product Stand Out With WHAT IS THE RETURN PERCENTAGE OF LIC JEEVAN LABH?

10 times the annualized premium or maximum Sum Assured on death of the Basic Life Assured. The death benefit shall not be less than 105% of the total premium amount paid as on the date of death.

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Thursday, November 3, 2022

How To Make Your INVESTIGATORS - DO THEY TRULY KNOW THE SECURITIES EXCHANGE?

How TO MAKE YOUR INVESTIGATORS - DO THEY TRULY KNOW THE SECURITIES EXCHANGE?

Investigators - do they truly know the securities exchange?

When you are interested in a stock

or on the other hand shared reserve you can call your representative and he

The company will send you a report on how it is doing

How they are overseen and what should be possible

Projected earnings for the company and how

Art is doing. Great information.

You will impose yourself on this mound

Papers to decide if you want to buy

Equity you can send for more reports

Independent analysts like Morningstar. you

Buried in papers. That's it

Brokerage Company. Many reasons

It is easy to buy stock after doing all this

Research and it instead they go down

Not responsible for your stupidity. I am happy today

It goes that they can take credit for all payments

That is great information.

Now think for a minute. you

Got all the info already there

Printed to be shipped to you. It makes me

Ask when it was printed? how old

Information? I can get by on all these things

The company means anyone can. What it boils down to

Just have this information -

Data and none of that will tell you that

Stocks will go up because the whole world

knows

These brochures are designed to help you

Buy not sell. I approach my long periods of involvement

Make their imagination work. No brokerage company

A bad report is being issued about a company

At least until it is ready for bankruptcy and then

Your investment dollars have disappeared.

I know your next question. if i can't

I trust the reports of those who buy how

anything? There is a better way. what would you like

Look at the price action of a stock or mutual fund.

All stocks fluctuate when they go up or down and you

Want to know the main trends.

On the Web you can go to the web

Request weekly charts of stocks or funds and go

About 5 years back. What are you interested in?

How have you been doing the beyond a half year?

A year. If the trend is up buy it and if

Do not buy it if the trend is down or sideways

You sell it. See how easy this is. Brokers and

Monetary organizers won't approve of it since it takes

All the secrets are out there buying stocks and they don't

You want to know this simple process.

Analyst reports give you a lot

Useless information, but what can I say

Stocks will go up after buying. If not

Don't go overboard and buy.

Al Thomas's book, "If It Doesn't Go Up, Don't Buy It" It has assisted a huge number of individuals with bringing in cash and keep up with their benefits with their straightforward 2-step strategy Read Part One at figure out why he's the sortof person Wall Street doesn't want you to be.

When you are interested in a stock or on the other hand shared reserve you can call your representative and he The company will send you a report on how it is doing How they are overseen and what should be possible Projected earnings for the company and how Art is doing. You will impose yourself on this mound Papers to decide if you want to buy Equity you can send for more reports Independent analysts like Morningstar.you Buried in papers. Many reasons It is easy to buy stock after doing all this Research and it instead they go down Not responsible for your stupidity. Now think for a minute.you Got all the info already there Printed to be shipped to you. What it boils down to Just have this information - Data and none of that will tell you that Stocks will go up because the whole world knows These brochures are designed to help you Buy not sell. All stocks fluctuate when they go up or down and you Want to know the main trends. On the Web you can go to the web Request weekly charts of stocks or funds and go About 5 years back. If the trend is up buy it and if Do not buy it if the trend is down or sideways You sell it. Brokers and Monetary organizers will not approve of it since it takes All the secrets are out there buying stocks and they do not You want to know this simple process. Analyst reports give you a lot Useless information, but what can I say Stocks will go up after buying.

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FAQ--

How do you get caught for insider trading?

Market monitoring activities: This is one of the most important tools to detect insider trading. The SEC uses sophisticated tools to detect illegal insider trading, especially during significant events such as earnings reports and major corporate developments.

What if the SEC investigates?

After the investigation, the SEC staff presents its findings to the Commission for review. The commission may authorize employees to file lawsuits or take administrative action in federal court. In many cases, the commission and the accused parties decide to settle the matter without trial.

Who investigates insider trading?

of the SEC

The SEC's complaint accuses nine defendants of violating the anti-fraud provisions of the Securities Act and seeks permanent injunctive relief, prejudicial interest disregard and civil penalties. Monetary organizers won't approve of it since it takes.

Wednesday, April 20, 2022

SEVEN BEST INVESTMENT OPTIONS

These are the best investment options
SEVEN BEST INVESTMENT OPTIONS

At this festival, you can also bring a smile to the face of yourself and the whole family by making your dream come true. how? This is what we tell you...

Often people give priority to shopping or new beginnings during the festival. But many times their dream is not fulfilled due to financial constraints. In such a situation, list your requirement, banks offer many such offers, from which you can easily buy small and big things and take advantage of cheap EMI. Here we are giving you such information which will help you in investing:

1. 10% cashback

Many banks have offered 10% cashback on shopping on the occasion of the festival. Some banks also have tie-ups with many online shopping websites. This cashback is available on limited products and fixed amounts only. Therefore, while shopping, definitely keeps in mind the limit, only then you will be able to take advantage of this offer.

2. Shop without money

Some banks give a golden opportunity to their customers to make purchases without any money by giving them a festive gift. According to this offer, the customer does not have to pay any money while shopping, and from the next month, EMI starts from his debit card, which the customer can pay comfortably in 6 to 18 months. So it was not an economic deal. Gradually this money will be deducted as EMI and you will not even know.

3. Take Car Payment Next Year

Many banks have also given this facility that if you want to buy a car, then take the loan now and pay its EMI from next year. At the same time, an extra rebate of 0.25-0.50 percent is also being given in the interest rate for women.

4. Bike is available at Rs.77 per day

If you have been thinking of getting a bike for many years and till now this dream has not been fulfilled, then this scheme can prove to be beneficial for you. For this you will not have to make any down payment nor will there be any processing fee. When the credit is transferred, the money will come to your account in no time. At the same time, under this scheme, a discount of up to 2 thousand will be available on the bikes and scooters of the particular company.

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5. Credit Card Benefits

Some banks are also launching such credit cards, whose EMI interest rate will be much lower and you will also get an air accident cover of Rs 4.50 crore. Also, there will be huge discounts on shopping.

Apart from this, a card has also been issued for certain credit card holders from which they will be able to avail 30% discount on all types of shopping and bill payments. For this, some annual fee will have to be paid, of which 50% will be returned. Along with this, you will also get branded gifts from the bank.

6. Reduction in loan interest rates

Giving a big gift to the customers on Diwali, many banks have reduced the interest rates of retail loans linked to repo rate from 0.25 percent to 0.10 percent, due to which all retail loans including home loans, auto loans have become cheaper. So you too can take advantage of this golden opportunity.

7. You can invest here

Most of the people spend money on the festival. They believe that Diwali means spending a lot of money. In this, they give priority to buying clothes, electronic goods, latest gadgets, and gold, while you should invest your money in such a place, which can profit you later on.

Here we are telling you about some such affordable investment options.

Lighten the burden by repaying the loan: Suppose your company has given you a substantial bonus. With this amount, you can repay the loan, which will reduce the pressure of repayment and you will be able to celebrate Diwali happily without being tension-free. It can also be called a wise investment.

Make a long-term investment: If you have been thinking of investing for a long period for a long time but have not been able to do it yet, then this is the best time to fulfill this dream. With this investment, the financial future of your family will be secure.

VIEW THIS: If you are going to buy a house, keep these 5 things in mind

Emergency Fund: Can't say anything when bad times come in today's time. In such a situation, we should prepare in advance to deal with the bad situation. So this festival you invest in an emergency fund and make your family feel financially secure.

Investing in Gold ETFs is wise: Buying ETFs can make a great investment. Anyway, in today's time, people prefer to invest in other ways than buying physical gold. By doing this you will also be able to fulfill your tradition and will also be able to strengthen the financial condition of your family.

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