Crisis of Credit.. Visualize presentation

Hi everyone,

Here I am going to share a video which will elaborate you everything about financial crisis and Collateralised Mortgage Obligations {CMO }

so njoy it!!

Check out these links

financial crisis -part 1

http://www.youtube.com/watch?v=Q0zEXdDO5JU

financial crisis- part 2

http://www.youtube.com/watch?v=iYhDkZjKBEw&feature=channel

Regards

Garvit D Dave

Various Avenues of Investment

The money you earn is partly spent and the rest saved for meeting future expenses. Instead of keeping the savings idle you may like to use savings in order to get return on it in the future. This is called Investment.

One needs to invest to and earn return on your idle resources and generate a specified sum of money for a specific goal in life and make a provision for an uncertain future One of the important reasons why one needs to invest wisely is to meet the cost of Inflation. Inflation is the rate at which the cost of living increases.

The cost of living is simply what it costs to buy the goods and services you need to live. Inflation causes money to lose value because it will not buy the same amount of a good or service in the future as it does now or did in the past. The sooner one starts investing the better. By investing early you allow your investments more time to grow, whereby the concept of compounding increases your income, by accumulating the principal and the interest or dividend earned on it, year after year. The three golden rules for all investors are:

Invest early

Invest regularly

· Invest for long term and not short term

Virtually everyone makes investment in one or other instruments like insurance, pension fund etc if not in risky equity. But each of these avenues has common characteristics such as potential returns and associated risk.

CATEGORY	INSTRUMENTS	FEATURES	BENEFITS
A} FIXED RETURN INSTRUMENTS	BANK FIXED DEPOSIT	Fixed tenure, Fixed interest rate, Interest generally compounded quarterly basis,	Less Risky, Fixed Deposit more than 5yrs is eligible for deduction u/s 80c Simple and Bare
	NATIONAL SAVING CERTIFICATE/POS	For Adult individuals, Tenure-6yrs No premature withdrawals are allowed,	Safe instrument, Principal and Interest reinvested are eligible for deduction u/s 80c
	Govt. BONDS/DEBENTURE	Fixed tenure, yield to maturity, coupon rate	Safe instrument, Less risky
B} HIGH RETURN INSTRUMENTS	EQUITY INVESTMENT	Volatile market condition, Unpredictable market, F&O	High return {avg 15%}
	COMMODITY MARKET INVESTMENT	Price depends on underlying commodity	Higher returns
	MUTUAL FUNDS/SIPS	Flexible investment, investment according to risk profile,	Handsome returns, Tax exemptions {u/s10(23D)}, guaranteed return
C} PROTECTION SCHEMES
	LIFE INSURANCE	Term, Endowment, ULIP, Money Back Policy	Life insurance cover+ investment +savings+ tax benefits u/s 80c
	MEDICAL INSURANCE	Medical expenses coverage, Critical Illness cover	Support during unexpected higher medical expenses, tax benefits u/s 80D
	PUBLIC PROVIDENT FUND	savings cum tax saving instrument, Retirement planning tool	Deposits in PPF are eligible for rebate under section 80-C, Interest is totally tax free, Deposits are exempt from wealth tax
	GENERAL INSURANCE	Cover assets accidental risk	Cover uncertain expenditure on movable assets
D} LONG TERM INSTRUMENTS	REAL ESTATE, ANTIQUES	Long term investment	Capital gains, durability

Written By

Garvit D Dave