Prajna Capital - An Investment Guide

It the core of the fund analysis activity lies the twin pursuits of judging returns and risk. Stripped of a lot of the complexity, this task involves determining a fund's average performance over a period of time. Let's get down to basics and take a refresher course on this concept. Why do we use an average? Why don't we use the actual numbers that the average is calculated from? Obviously, because an average gives us a single value that represents the numbers it is calculated from. It is far easier to use a single number for judgement and comparisons. But like most things in life, averages can be both good and bad. They can be trustworthy, or they can be worthless, or they can be anywhere between the two. For example, the average age of children in a kindergarten is three years. You could walk into a kindergarten expecting most kids to be more-or-less three years old and you would not be wrong. However, the average age of students in a school is 12 years. You could walk i...

Contributions to Atal Pension Yojana (APY) are eligible for the same tax benefits as the NPS. This means that the contributions can be claimed under Section 80CCD (1B). The current limit for Section 80CCD (1B) is   Rs   50,000, over and above the   Rs   1.5 lakh limit under Section 80C. Section 80 CCD (1) is a different one, meant to cover employers' contribution towards NPS . You cannot get tax benefit by investing in the name of your spouse under Section 80 CCD . 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 ...

Uncertainty of income would be worrying for all. In a company, sales growth is tracked closely to understand how well revenue is growing. In an individual context too, income volatility matters. If you are in a government job, income is a given and so is pension. But if you are working with a private enterprise-especially one that's newly formed-your income growth will depend on company policies, and job security can be an issue. Volatility of income and certainty of job also have an impact on the asset allocation strategy. Investors who have jobs with high incentives components or bonus need to have a more conservative investment strategy than those with jobs that are more certain and less volatile Income volatility can be due to other reasons as well. Bonuses are an annual windfall and difficult to account for. But many people bunch insurance payments during particular months, and in those months, other investments become difficult. In festival mont...

Invest BNP BARIBAS LONG TERM EQUITY Fund A ELSS Tax Saver Fund This fund has in recent years shrugged off its anaemic initial performance with the help of its current fund manager. Although far from setting the pace in its category, it has delivered decent out performance. It adopts a flexi-cap approach , while maintaining a bias towards large-caps. The portfolio construction is benchmark agnostic and only moderately diversified, with the fund manager preferring to give meaningful exposure to his high conviction picks. Although its l ong-term track record is not particularly appealing, its recent performance suggests that it is on the turnaround path. Currently, there are more proven funds in this category with a better risk-reward profile, but investors should monitor this fund's performance. 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 - ...

SBI Equity Savings Fund Online Invest Rs 1,50,000 and Save Tax upto Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds 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. Invesco India Tax Plan 3. Tata India Tax Savings Fund 4. ICICI Prudential Long Term Equity Fund 5. Birla Sun Life Tax Relief 96 6. Franklin India TaxShield  7. Reliance Tax Saver (ELSS) Fund 8. BNP Paribas Long Term Equity Fund 9. Axis Tax Saver Fund 10. Birla Sun Life Tax Plan 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 --------------...

Credit Score A credit score is a three digit numeric summary of your entire credit history. It is prepared based on the information provided in your Credit Information Report. The credit score normally ranges between 300 and 900. Most banks and financial institutions rely on this figure to determine the creditworthiness of potential borrowers. In fact, 79% of the loans approved are for individuals with a score over 750. However, this is a major setback for young professionals, as they are likely to not have a credit score at all. This results in a vicious cycle of being denied credit. 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 ...

  What is Health Insurance Claims Settlement Process   Knowledge of your insurance policy and claims process will make your life easier     A health insurance claim can be delayed or rejected for a range of reasons, from administrative delays by hospitals to poor documentation, further inquiries by the insurer or even poor understanding of the policy by the policyholder. But you can prevent the claims process from turning sour by arming yourself with proper knowledge of your health insurance policy and the process involved in making the claim. Further, you will need to proactively engage with the hospital and the insurer to avoid delays.   Before buying a mediclaim policy: Make sure the policy covers hospitalisation Go through the policy's list of exclusions and waiting period   Exclusions are typically medical conditions and procedures that are excluded from the policy's coverage. Waiting periods may be applied after a policy is purchased overall as well as for specific disea...