Prajna Capital - An Investment Guide

Birla SunLife Balanced Advantage Fund follows a dynamic asset allocation investment strategy primarily based on market valuations which helps in capturing the right opportunity . Equity markets will inevitably experience bouts of heightened volatility. These setbacks to market confidence, can result from numerous factors - domestic or global; ranging from economic uncertainty, corporate results, monetary or fiscal policy changes, financial contagion or geopolitical tension. It is normal for stock markets to react to the economic, political and corporate environment.   Volatility refers to price fluctuations in a security, portfolio, or market segment during a fairly short time period—a day, a few weeks, a month, a few months, and maybe even a year. Such fluctuations are inevitable in nature. However if one is investing for the long-term, volatility is not a problem and can even be your friend, enabling you to buy more of a security when it's at a ...

Top SIP Funds Online   Health Insurance is no longer an option but a dire necessity. Fortunately, a variety of health insurance options are available in the market that provide comprehensive deals that take care of all your needs. Although, thorough research is the key to finding the best health policy, there are some factors that can make your best buy a troublesome affair to continue with: spike in renewal premiums, missing renewal reminders, last moment cash deposit in cashless treatments, and so on and so forth. Sudden hike in renewal premiums According to many experts, a sudden hike in health insurance premium is one of the biggest concerns for existing customers. Although, it's understood that pricing of premiums increases with age and medical advancements, the sharp hike in renewal premiums can easily make renewing of premiums unaffordable for customers. Recently, Mint received a letter from a 54-year old reader stating that his renewal p...

  Category: Flexi Cap     Investment Style: Large Growth     Investment Process: The fund manager looks for companies that he views as attractive growth opportunities at a reasonable price. Fund Manager: Ashwani Kumar Morningstar Analyst: Kavitha Krishnan     Reliance Vision Fund - Kumar plies a growth-at-a-reasonable-price strategy. He typically scouts for companies with strong and sustainable business models. He will be flexible with valuations and pay what he thinks is a fair price, given the company's growth prospects. He tends to take a two- to three-year view on stocks and focuses on factors such as ROE and ROCE when evaluating companies. The research-orientation and qualitative overlay seeks to identify companies with strong management teams, robust business models, and sustainable competitive advantages. The top down approach is also important; factors such as the interest-rate scenario, barriers to entry, pricing power, policy measures, a...

The donation of organs in India is picking up lately as apprehensions and misgivings about organ donation are being cleared by sustained campaigns. Enlightened people are enrolling themselves for donation of their organs such as kidneys and liver when they are dead or alive and also donation of cornea and heart after their demise. This is quite heartening considering that there is acute shortage of organs for transplantation in India. However, organ transplant is a costly affair, considering that kidney and cornea transplant can cost about Rs 1 lakh, heart transplant can cost Rs 10 lakh and the cost of liver transplant is a whopping Rs 25 lakh. The good news is that in India, health insurance policies offered by many of the insurers cover the cost of organ transplants. All of the medically diagnosed conditions, procedures, treatments and surgeries requiring hospitalisation are covered by health insurance policies. However, the catch is that the c...

  HDFC Equity Fund Fund Manager: Prashant Jain Process: A research-driven process that focuses on quality growth stocks. Performance: Over the long haul, the fund boasts a stellar track record across the risk and return parameters. Expense Ratio: 2.20% Minimum Investment: Rs 5,000 An unwavering focus on the long-term and willingness to back conviction bets are integral to manager Prashant Jain's investment approach. Hence he doesn't shy away from trading near-term pain for long-term gains. This approach was on display not so long ago (in 2015) when Jain held on to his investments in public-sector banks (particularly SBI) despite it running into rough weather, and the fund languishing in the bottom performance quartile. This was not surprising as the manager has long favoured public-sector banks in his portfolios as he believes that they will be major beneficiaries of India's long-term structural growth. Notwithstanding short-term blips, Jain has demonstrated consider...

Best ELSS Funds Online SIPs are 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

Best SIP Funds Online   According t o Reserve Bank of India (RBI) rules, it is mandatory for bank account holders to provide their PAN or Form 60.In a circular issued in December 2016, RBI instructed all banks to disallow debit transactions in accounts where PAN or Form 60 (in terms of Rule 114B of the Income Tax Rules) had not been provided. Scope Debit freeze for non updation of PAN Form 60 may be done only in the following cases: Account balance is `5 lakh or more. Total deposits made after 9 November 2016 exceed `2 lakh. Unfreezing debit freeze In order to unfreeze the debit freeze on one's account, the account holder must forthwith furnish PAN Form 60 (as applicable) to the bank. Visit to the branch The account holder can visit the nearest bank branch and fill up a designated form for updation of customer details. Self attested copy of PAN or Form 60 shall be attached to the form and submitted.Original PAN should also be carried along at the time of submission. Online meth...

Top SIP Funds Online   Check EPF balance, passbook on Umang app In the app, you can view your passbook; raise a claim for pension withdrawal; and you can also track the status of your claims already submitted The Employees' Provident Fund Organisation (EPFO) has hosted its services on the Umang app. The app is not exclusive to EPFO. It is available on the Google Play store, iOS App Store, and Windows Store. Published by the Ministry of Electronics and Information Technology, it is a common platform for various government services such as gas booking, Aadhaar, crop insurance, EPF and National Pension System. This app can be downloaded from the app store of your mobile operating system. A link on the EPFO website, https://web.umang.gov.in , will also lead you to the to the app's download page. To initialise it, you will need to give it permissions to access your location, SMS and calls data. To register, you will get a one-time password (OTP ) on the mobile number on the device...

    Start SIPs Online   Mutual fund investors should be aware of two tools, Systematic Transfer Plans (STPs) and Systematic Withdrawal Plans (SWPs), for their many benefits. 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 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

    Invest Top Tax Saver Fund Online   Not many people may understand the cost-to-company (CTC) emoluments package that companies offer to their prospective employees, but to understand the CTC package is to be sure what the company is offering the employee in terms of take-home pay and the gross emoluments that constitutes the CTC. Now, to understand what the employee will get and what he/she will not get in the take home pay, we need to look at the difference between the monthly salary component and the CTC components. In other words, we need to look at the components that constitute the CTC. But before we look at the CTC components, we need to look at the salary structure that may be the take home pay for the employee. The salary components may include basic salary, dearness allowance, house rent allowance, conveyance allowance, magazine allowance, entertainment allowance, among others. The basic salary and allowances that are paid by the company to the ...

    Invest Best Tax Saver Funds Online   Interest rate: 8.3% Tenure: 5 years Another bestseller from the Post Office, this scheme gives out regular income to retirees. The tenure of the scheme is five years, which is extendable by another three years. However, there is a `15 lakh overall investment limit per individual. Also, the scheme open only to investors above 60. In some cases, where the investor has opted for voluntary retirement and has not taken up another job, the minimum age is relaxed to 58 years. There is also no age bar for defence personnel. They can invest in the scheme even before 60 as long as they satisfy the other requirements. Experts say the Senior Citizens' Savings Scheme should be the first option for retirees looking to park their life savings. "It offers assured returns and regular income. These are critical requirements of most retirees. This is what made Faridabad-based retired PSU manager  park `15 lakh of his retirement proceeds in the scheme. The...

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