Prajna Capital - An Investment Guide

Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India) Fixed Maturity Plans (FMPs) While FMP offer several advantages over other fixed income products when interst rates are rising, there are still certain factors that investors should keep in mind before taking the plunge. Here are a few of them... Time horizon: Remember although Sebi rules mandate that all FMPs should be listed on the bourses, the ground reality is that there is practically nil liquidity in these instruments since there are hardly any buyer or seller in the market. So as an investor if you are investing in an FMP, be sure that if you want the money even in case of even an emergency, you are unlikely to get that back then. Instead you have to wait till the day of redemption to get the money invested in that FMP in your bank account. Match fund manager's inve...

Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)   Long Term Funds While your portfolio should be tilted in favour of shortterm funds, given the sharp rise in yields, some experts feel this is an opportunity for high-risk takers to earn extra returns by investing a small portion of their portfolio in long-term income funds. Though these funds are down now, they may offer a good investment opportunity, as bond yields could head lower in the coming months. The 10-year G-Sec is close to a peak and should not sustain above 9%. Over a threeto-six month period, it should gradually come down to 8.5%. As volatility in the forex markets settle down, the RBI would be forced to focus on boosting growth. If this happens, investors may see bond prices move up and thereby get a capital appreciation in their portfolio. Happy Investing!! We ...

Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)   Stay invested if the scheme is merged into a broad- based fund with low volatility   With the Securities and Exchange Board of India expressing displeasure at the rising number of similar- themed schemes, mutual fund houses are making a conscious effort to merge schemes. In 2012- 13, 27 mutual fund schemes were merged compared with 46 in 2011- 12, indicates Value Research data. This is good news for investors. After all, it isn't easy to choose from 2,500- 3,000 schemes. If the fund it's being merged into is already a strong one, its returns will remain steady, irrespective of the merged scheme being weak or underperforming. Also, it's better if the scheme merges with a broad- based/ diversified equity fund in which volatility is less. Sample this: When thematic fun...

Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)   What is a Relinquishment Deed? This document is quite different from a gift deed, though the legal implications are the same. You can use this instrument if you want to transfer your rights in a particular property to another co-owner. Such a transfer is also irrevocable even if it is without any exchange of money. As with all documents related to the transfer of immovable property, a relinquishment deed needs to be signed by both parties and registered. The stamp duty is similar to that for a gift deed. However, there is no discount for relatives, nor are there any tax benefits. Also, both stamp duty and tax will be applicable only on the portion of the property that you relinquish, not on its total value. You can also use this deed to transfer movable property without registration, but i...