Skip to main content

Invest into debt instruments Now

Invest In Tax Saving Mutual Funds Online

Call 0 94 8300 8300 (India)

With interest rates rising, it is time to get into fixed instruments for a two- three year period

 

No one expected interest rates to go up now. But it did, due to measures taken by the Reserve Bank of India to contain the free fall of the rupee. This means that interest rates on loans are going up, adding to the misery of those who have taken loans. Fortunately, interest rates are moving up only marginally. But those whose cashflows are tight could face problems.

The only solace is that interest rates may not stay elevated for a longtime, as RBI action is purely temporary and is expected to be reversed in due course.

At this point, borrowing money should be done only if it is absolutely required. It is advisable to postpone all unwanted purchases.

Purchases of vehicles or white goods can always be postponed, for instance. Postpone or scale down holiday expenses. Discretionary spends should be reined in. Unwanted spends should be curtailed.

Those loans which have to be necessarily taken like – education loans, home loans, personal loans for marriage of self/ close relative etc. can be done after carefully evaluating how much loan would really be required. Even here, one should take the base minimum with which one can get by.

One should also keep a reasonable amount of liquidity intact.

Besides, the liquidity margin, there should be some more investments which can be relied upon for contingencies.

Debt investments

The flip side today is that, the investment rates are good. Banks are increasing their FD rates as they would like to bring in more deposits since the liquidity in the system has dried up. This is good news for investors. Apart from Fixed Deposits, Fixed Maturity Plans ( FMPs) have become attractive for investors. FMPs of varying durations from one month to about five years are available. But three- month, six- month and oneyear FMPs are the flavour of the season. Three- month FMPs would probably offer over 11 per cent per annum pre- tax returns. One- year FMPs would probably offer close to 10 per cent returns post- tax, based on the yields of the underlying instruments, prevailing at this point.

So, there is a silver lining to the dark clouds, after all. Debt funds have suffered Net Asset Value ( NAV) falls and mark- tomarket losses in the short- term.

But these are expected to be erased when the interest rate cycle turns again. There is nothing to worry for those who plan to stay invested. In fact, this is a good time to invest in debt funds as the NAVs have been beaten down. From a two year or more perspective, this would be a great time to invest.

The situation in the equity markets remains fluid and remains completely unpredictable.

The best that can be said is that we are somewhere near the epicentre of our problems. So, there is a chance of things slowly improving from around here, albeit slowly. Do not stop the Systematic Investment Plans as the NAV at which you invest is lower in such dark periods.

Property investment

The other pet subject for most people is investment in gold and property. Property has run up pretty much in the last 8 years and we are probably at the end of the rally. Investors have not realised that. Property prices may not crash; but they can correct or remain stagnant for long periods of time. Investors putting in the money looking for stupendous growth on properties, would, hence, be disappointed.

Gold

Gold is doing well only in INR. In dollar terms it has actually slid from USD 1650 levels a year ago to USD 1370 levels an ounce. Gold is dependent on sentiment. If the risk perception is high gold normally finds favour. Gold continues to be a defensive asset into which, say 5 per cent, allocation can be made. Allocating huge amounts into gold is not a sound idea. Buy gold if there is an end use for it.

The situation is dark. Like we have seen, there are problems and there are opportunities too. But a lot depends on how you are going to maneuver and move ahead during this phase.

DEBT: HOW TO PROFIT |Lock into debt instruments with atwo- year time frame |Restrict investment in gold to 5per cent of portfolio |Dont expect huge appreciation from property investment from these levels

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

Popular posts from this blog

Post Office Deposits Interest Rates

Best SIP Funds to Invest Online   SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich For further information on Top SIP Mutual Funds contact  Save Tax Get Rich on 94 8300 8300 OR You can write to us at Invest [at] SaveTaxGetRich [dot] Com

LIC Leave Encashment Plan

LIC Leave Encashment Plan       Best Tax Saver Mutual Funds or ELSS Mutual Funds for 2015 1. ICICI Prudential Tax Plan 2. Reliance Tax Saver (ELSS) Fund 3. HDFC TaxSaver 4. DSP BlackRock Tax Saver Fund 5. Religare Tax Plan 6. Franklin India TaxShield 7. Canara Robeco Equity Tax Saver 8. IDFC Tax Advantage (ELSS) Fund 9. Axis Tax Saver Fund 10. BNP Paribas Long Term Equity Fund You can invest Rs 1,50,000 and Save Tax under Section 80C by investing in Mutual Funds Invest in Tax Saver Mutual Funds Online - Invest Online Download Application Forms For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call --------------------------------------------- Leave your comment with mail ID and we will answer them OR You can write to us at PrajnaCapital [at] Gmail [dot] Com OR Leave a missed Call on 94 8300 8300 --------------------------------------------- Invest Mutual Funds Online Invest Any Mutual Fund Online Download Mutual Fund Application Forms fro

Power of Compounding in Investments

Power of Compounding in Investments Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich Top 10 Tax Saver Mutual Funds for 2017 - 2018 Best 10 ELSS Mutual Funds to Invest in India for 2017 1. DSP BlackRock Tax Saver Fund 2. Tata India Tax Savings Fund  3. Birla Sun Life Tax Relief 96 4. ICICI Prudential Long Term Equity Fund 5. Invesco India Tax Plan 6. Franklin India TaxShield  7. Reliance Tax Saver (ELSS) Fund 8. BNP Paribas Long Term Equity Fund 9. Axis Tax Saver Fund 10. Sundaram Diversified Equity Fund Invest in Best Performing 2017 Tax Saver Mutual Funds Online Invest Best Tax Saver Mutual Funds Online Download Top Tax Saver Mutual Funds  Application Forms For further information contact  SaveTaxGetRich on 94 8300 8300 OR You can write to us at Invest [at] SaveTaxGetRich [dot] Com OR Call us on 94 8300 8300

MF SIP Top Up Online

Mutual Fund SIP Top Up Online As your monthly income grows, so should your savings. With this facility, you can increase your existing monthly SIP contributions. This can be done on a half-yearly and yearly basis. And you can top up with a minimum of Rs.500 per installment or multiples of Rs.500 as per your convenience.

Kotak Banking Exchange Traded Fund (ETF)

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300 Kotak Banking Exchange Traded Fund (ETF) Kotak Mahindra Mutual Fund has launched Kotak Banking Exchange Traded Fund ( ETF ). The fund aims to provide returns before expenses that closely correspond to the total returns of stocks belonging to the CNX Bank Index , subject to tracking error. For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call Leave a missed Call on 94 8300 8300 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 Mutual Funds Online Invest Any Mutual Fund Online Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund Application Forms --------------------------------------------- Best Performing Mutual Funds Largecap
Related Posts Plugin for WordPress, Blogger...
Invest in Tax Saving Mutual Funds Download Any Applications
Transact Mutual Funds Online Invest Online
Buy Gold Mutual Funds Invest Now