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Authored By Abhinav Angirish, Founder, Investonline.in SIP Investor in Equity Mutual Fund have learned to benefit from volatility contributed by Mr. Abhinav Angirish – Founder, Investonline.in Investing in stocks is a big decision for someone who doesn’t know the ABC of the stock market. There was a time when a few days of correction would dry investor’s funds. People would stop investing and make a frenzied bid to pull out their money. The concept of SIP drastically altered investor psychology. Instead of dashing to sell in times of panic, the investor has learned to embrace volatility. Instead of investing at one go, the investor can stagger his investments over a period of time. SIP eliminates the need to time the market and eventually translates into better returns for the investor. Assuming the investor invests Rs 10,000 as a lump sum in HDFC Top 100 fund in the year 2000. If he sold his investments in 2019, it would have fetched him Rs 2,39,905. Instead of investing Rs 10,000 at

With the coronavirus pandemic, there is a situation of health emergencies in the whole world.  While it has caused many workers to lose hours, it’s more important than ever to know what financial options you have to maintain enough liquidity to love through this phase. As per the recent announcement made by the Reserve Bank of India (RBI) Governor, Mr. Shaktikanta Das, there will be a reduction in the repo rate and reverse repo rate by 75 basis points and 90 bps respectively and allows 3-months’ moratorium on EMIs in order to mitigate economic risks. Analyzing the whole scenario, Loanwalle.com, a digital finance company is providing hassle-free short term emergency loan credit to the salaried and self-employed individuals with its simplest, fastest and most secure way of lending money, ensuring quick credit and smooth processing of funds. Going beyond the tedious waiting periods and speeding up the process of instant loan approval. As Loanwalle.com says ‘Your Bestfriend in every situa

Troubled Times Equal Opportunity for NRI Investors by Shajai Jacob, CEO – GCC, ANAROCK Property Consultants While all economies are shaken at the moment, it is in such times that smart investors buy into their preferred asset classes. For NRIs, opportunities back home are evn more appealing with the fall of the Indian rupee. As the equity markets continue to vacillate, NRI investors had become wary of the stock markets and fell back on gold, real estate and bank deposits because of the relative security of these products. Interest Rates Plummet: Amidst the turmoil in the Indian banking sector and SBI, the country’s largest lender, reducing interest rates on savings accounts and fixed deposits, NRIs are averse to trusting banks. SBI reduced interest on savings accounts to 3% for all categories from the earlier 3.25% for accounts with less than 1 lakh rupees, and 3% for accounts with more than 1 lakh rupees. Moreover, the interest rates for fixed deposits for a tenure of fewer than 45

 The Government of India (GoI) has invited an expression of interest (EoI) for the strategic divestment of its entire stake (~53%) in BPCL.  The stake sale will transfer management control of the company to a strategic buyer, except for BPCL’s 61.65% stake in Numaligarh Refinery Limited (NRL), which will be transferred to a Central Public Sector Enterprise (CPSE).  The last date for submission of EoIs is 2nd May’20. Other key details from preliminary information memorandum  Eligibility: CPSEs and central government owned cooperative societies are not eligible to bid for the proposed transaction.  Financial Criteria: The net worth criterion for any Interested Party (IP) is a minimum of USD10b. Also, the maximum number of members in case of a consortium is four (with minimum net worth of USD1b for each member).  Reserve Price: The GoI will set up a reserve price for the transaction before the bids open; however, it will not be disclosed to the bidders.  Open Offer: The confirmed

Equities & bonds remain preferred investment assets for Indian ultra-wealthy, Asians prefer property investments: Knight Frank Wealth Report 2020 72% increase in equity investment allocation by Indian ultra-wealthy in 2019 Mumbai, March 5, 2020: According to the Attitudes Survey, part of Knight Frank’s Wealth Report 2020, despite global headwinds, equity investments remained the most attractive asset class for Indian ultra-high-net-worth individuals (UHNWIs). 83% of Indian ultra-high-net-worth­-individuals (UHNWIs) in India are planning to increase or maintain their allocations in equities, followed by bonds (77%) and ahead of property (51%). ASSET ALLOCATION In 2019, for Indian UHNWIs, equities remained the most preferred asset class in the portfolio with 29% allocation, followed by 21% allocation for bonds and 20% into property investments. On the contrary, Asian UHNWIs preferred property investments with 28% asset allocation, followed by 21% in equities which is closely foll

New Delhi headquartered Fin-Tech Startup; Loanwalle.com added another feather to its cap by expanding its operations in Punjab. Going ahead with its rapid expansion plan, the company invested INR 30 Cr in Punjab while focusing on key cities like Chandigarh, Ludhiana, Ambala, Jalandhar and Amritsar. Ranked 14 th on the GDP index, 46% of population in Punjab comprises of serviced individuals. The city holds great significance for start- ups like Loanwalle.com as the company serves the short-term financial needs of serviced individuals. Launched in 2018, Loanwalle.com was initiated with an objective of helping salaried individual with their emergency financial needs as the company’s founder Mr. Sachin Mittal came across various situations where people get stuck in a financial crunch and although they require small amount but the urgency of money is so immediate that waiting in long queues to get loan is not a fruitful option. Catering to this immediate need of finance is Loanwalle.com t

Over the years, mutual funds have seen massive growth in the Indian market, which has resulted in the myriad options for the people in the form of best mutual funds to invest. There are various systems that judge it such as Morning Star, CRISIL, ICRA. They consider various quantitative and qualitative factors to select the best mutual funds to invest. These factors include returns, asset size, Standard Deviation, expense ratio, and more. After evaluating each of the factors mentioned, the results are added and the final results are declared. Before having a look at some of the best mutual funds to invest , let’s discuss why one should invest in mutual funds. Here are some of the solid reasons why you should invest in mutual funds: It is an open-ended scheme, which means it is hassle-free to buy or close a scheme. It holds various financial tools to invest in such as fixed income instruments, stocks, gold, and more. This allows you to enjoy the advantages of diversification just by inv

Edelweiss Asset Management Limited, a Group company of Edelweiss, today announced the listing of India’s first Corporate Bond ETF, the BHARAT Bond ETF, on the National Stock Exchange. The listing ceremony was attended by Ms Anuradha Thakur, Joint Secretary, Department of Investment and Public Asset Management (DIPAM), Mr Rashesh Shah, Chairman & CEO, Edelweiss Group and Mr Vikram Limaye, Managing Director and CEO, NSE. Also present at the event were Mr Nitin Jain, CEO, Edelweiss Global Investment Advisors, Ms Radhika Gupta, CEO, Edelweiss AMC & Mr Mukesh Agarwal, CEO, NSE Indices. The BHARAT Bond ETF will also be traded on BSE. The product listing on a transparent platform, complemented with market makers bringing in liquidity, will see high appetite from a new set of investors in the market.  Going forward, the AMC plans reissuance of ETFs with 3 year and 10-year target maturities, as well as the issuance of products with other tenors.  The listing of BHARAT Bond ETFs may als

JM Financial Services Ltd. the dedicated financial services arm of the JM Financial Group, today unveiled its newest offering, titled “Investories-Anecdotes from the Financial World” The book was launched with great fanfare in Bangalore by Mr. Hari K, Chief Business Officer, National Stock Exchange at Sapna Book Store on Nov 29, 2019. “Investories” is a collection of bite-sized learnings in understanding the capital markets especially as investors are being increasingly exposed to multiple avenues for investments as well as multiple intermediaries, platforms and regulations. In its constant endeavour towards investor education, JM Financial Services has lent paper to the thoughts and words of Mr Amit Trivedi the author of Investories. Mr Subodh Shinkar, the CEO & Managing Director, JM Financial Services said” We were considering a book that would be an assortment of timeless principles that just don’t bury the reader under charts, stats or graphs, but talks about the subject in an

While overall housing sales in India recorded a decline in Q2 FY20, the housing sales value of India’s top 9 listed developers stayed on course during the quarter. On a quarterly basis, their housing sales value rose by a very respectable 5% – from approx. INR 52.5 bn in Q1 FY20 to nearly INR 55.2 bn in Q2 FY20. On a yearly basis, the figures are a bit more sombre – these listed developers collectively saw their housing sales value rise by 2% from INR 53.9 bn in Q2 FY19. Nevertheless, growth of any kind stands out in a market which had been facing headwinds for so long. Housing Sales Value (INR billion) Listed Builders Q2 FY19 Q1 FY 20 Q2 FY20 Mahindra 2.6 1.2 1.1 Brigade 3.4 5.6 5 DLF 6.3 7.1 7.3 Godrej 7.9 8.9 14.4 Oberoi 5.7 4 3.2 Kolte Patil 4 2.8 2.7 Sobha 7.4 7.8 6.8 Prestige 10.3 10.2 10.3 Purvankara 6.3 4.9 4.4 Total 53.9 52.5 55.2   Going by the overall area-wise absorption data available as on date, the top eight listed developers collectively notched up a 5% annual increase

Pune, November 19, 2019 –   Smartworks , India’s leading agile workspace provider for large enterprises, today signed a 5.00.000 sq. ft. space lease in an upcoming project, Amar Pristine Eighty- Three ( AP83 ) in Koregaon Park, Pune with Amar Builders, and Pristine Properties.  The facility will be operational by 2021 . With this new facility, Smartworks retains and strengthens its market leadership position in  Pune   and across India. AP83 is the largest deal in terms of space signed by any co-working space provider in India. The facility is strategically located in Koregaon Park, the most prominent and prestigious hub for the eastern commercial market of the city with excellent connectivity from all modes of local transport to the airport, railway station, and the proposed metro station. The project design emphasizes sustainable development as well as technology, with a proposed Green Certification and design implementation of IoT for building management. The project offers on

Mumbai, November 18 th , 2019 : The annual Jamnalal Bajaj Foundation Awards, scheduled on 2 nd December 2019 felicitates achievers in the fields of humanitarian activities and Gandhian constructive programme. These awards are presented every year in honour of the birth anniversary of Shri Jamnalal Bajaj and to globally propagate his ideals. This year, the function would be graced with the presence of  Chief Guest Sadhguru, Founder, Isha Foundation . The acclaimed winners will be felicitated at a special function which will be presided over by Mr. Rahul Bajaj, Chairman, Board of Trustees  and  Dr. R. A. Mashelkar, FRS, Chairman of the Council of Advisors of the Foundation  at The Royal Opera House, Girgaon ,  Mumbai. This award is presented to honor and motivate the unprecedented contributions of individuals towards the upliftment and development of the society, rural community and the nation, at large Each awardee is presented with a  Citation , a  Trophy,  and   a  Cash Prize of Rs.

Mumbai, November 18, 2019:  National Stock Exchange of India Ltd (NSE), India’s leading stock exchange today introduced facilitation of subscription in State Development Loans (SDLs) through its e-Gsec platform to enable retail participation through the non-competitive bidding (NCB) route. SDLs are dated securities issued by State Governments through a normal auction similar to the auctions conducted for dated securities issued by the Central Government. The RBI conducts auctions for SDLs on a weekly basis where 10% of the notified amount is allotted for eligible investors under the scheme for non-competitive bidding. The interest on SDL is received at half-yearly intervals and the principal is repaid on the maturity date. Like dated securities issued by the Central Government, SDLs issued by the State Governments also qualify for statutory liquidity requirement of the banks. The NCB facility was introduced by the Reserve Bank of India (RBI) to encourage retail participation in the pr

  A s Neel neared 45 years of age and both his children enthusiastically made plans for college, he reflected back on his younger days and wished he could go back in time and advise his younger self on financial matters. While his first job at an MNC had ensured he and his family receive life insurance, investments were something he had only begun concentrating on when he turned 35. His children’s plans for college was definitely going to cause a dent in their savings, and he fervently wished he had begun investing much earlier when he had lesser responsibilities. He now knew that investments could range from across equity, debt or even to cover elements like gold which acted as a hedge against inflation; but he wished he had known that much earlier. Now, he knew about mutual funds and the various ULIP benefits he could gain from investing with a reliable insurer. With the Easy Invest Online Plan, he was reaping benefits by paying premiums as low as Rs. 4,000 a month and getting both

  W ith a plethora of  Mutual Fund schemes to choose from, arriving at a decision of ‘which one to pick’ can seem to be difficult. However, after having decided to invest in Mutual Funds, selecting the funds is just a case of conducting your own due diligence, which is reasonably easy to do if you follow a structured approach. Ideally, you should be aware of your risk tolerance and also your goals, objectives and the duration  within which you would want to reach your goals in.   Time Frame Mutual Fund  Type Up to 1 Year Liquid & Ultra Short duration Funds 2-3 years Short duration funds 3-5 years Hybrid Funds 5 years & above Equity Funds   Mutual Funds offer a ‘complete investment package’ to the investors. The benefits include diversification, flexibility, ease of investment, liquidity and professional management. Goal or Objective Any investment should start with the objective in mind. The goal or objective makes the investment journey easier for an investor. The goal shoul

Increasing disposable income coupled with improved standards of living is expected to drive growth of India personal loan market through 2024 According to TechSci Research report, “ India Personal Loan Market By Source, By Tenure, By Purpose, By Interest Rate, Competition, Forecast & Opportunities, 2024 ” India personal loan market is expected to grow at a formidable CAGR of around 10% during the forecast period on account of increasing investments by the corporate sector. Additionally, benefits such as flexibility of use, minimal documentation, no requirement of collateral or security, quick availability, among others are further expected to propel the market over the next five years. However, high interest rates and no part payments option can hamper the growth of market during the forecast period. Additionally, a good credit score is required in order to get personal loan. The India personal loan market is segmented based on source, tenure, purpose, interest rate, company an

When you are purchasing an item, you know what you want. You know what to look for, and you want the best you can get for your money. You want dependability. In the event what you have purchased simply does not work for you, you want to be able to return the item without hassle. How does one find businesses that are dependable? The answer is doing research based on the experience of other customers. Using opinion-based surveys and reviews is an excellent method of finding out what the best investment is, whether it’s shopping or currency investing. Research is key and it can lead you to a positive solution. You will find a dependable resource for shopping by using the reviews of those that have been purchased items from the store you wish to visit. Sites such as Amazon allow people to review the product, giving you, the consumer, a chance to know what it is you are buying and how easy of a return policy there is. Currency investment is the purchase of foreign currencies. When it comes

Profits Unlimited One of the first advantages for someone who is contemplating the idea of investing in the stock market is unlimited profits. Anyone can gain from choosing to purchase the right stock at the right time. The amazing advantage of stock shares is that stocks sometimes split two for one. A stock split means for every share of stock you own you receive a free one when a stock splits. Coca-Cola, for example, has had nine splits in its history and there was one three-for-one divided in 1986. If a person purchased 100 shares at $40 when it first went public, he would have close to 75,000 shares of Coca-cola today considering all the splits it has had. His original investment of $4,000 would equal four million dollars today. That person would never have had to touch his investment. Big Losses The flipside of great profits in the stock market is great losses. A loss is the result of the way a stock changes as things like market news or world political events happen. News is con

When we start earning, the last thing on our mind is planning finances and preparing for the future. We are excited to finally earn our own paycheck and find multiple places to splurge our money. As we grow older and the need to take on more responsibilities increase, we begin to broaden our horizons and plan ahead. But what we may or may not realize is that we will never get back the time we’ve lost. Therefore, we will never be able to earn as much as we would have, had we started investing when we started earning. In the investment world, Time is just as important as money. In fact, time creates money. In investment terminology, time refers to the power of compounding. It implies that our savings, when invested, have the power to grow exponentially. It may start slow, but with time the returns pick up and are eventually unstoppable. Let’s use an example to illustrate just how advantageous it is to harness this power. If you invest ₹10,000 in a monthly SIP at an interest rate of 14%,

Getting his first paycheck in his hands is a day Akshay had dreamed of since the first day of engineering college. However, as the day approached, his dreams grew bigger until he planned on buying everything that he had always coveted. His first bike, a pet, a new dress for his mother, a new suit for his father, a bicycle for his younger brother. Akshay had always nurtured philanthropic dreams as well, and wondered if he should start contributing towards his social causes right away as well. As the day approached, however, well-meaning relatives including his parents came up with suggestions on what to do with his first salary. His father spoke insistently of taking up an insurance policy, while his mother provided advice on investing in gold and even mutual funds. A first salary is every young person’s dream. Receiving the salary credited text message from the bank for the first time is a moment to be cherished for a lifetime. However, there is always a conflict when it comes to how