tag:blogger.com,1999:blog-40525554585077475572024-03-13T04:56:35.748-07:00Mutual Fund & Insurance Advisor : JINENDRA KUMAR PORWALjinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.comBlogger413125tag:blogger.com,1999:blog-4052555458507747557.post-62809112016507175512016-12-23T21:52:00.001-08:002016-12-23T21:52:16.945-08:00<a href="https://3.bp.blogspot.com/-8j_z_goVQ8M/WF4NCGnSRQI/AAAAAAAAAmA/uelVMT8KHH0Ig88UXBFs6Fr9G-aRw7ovgCLcB/s1600/15078851_10154854760469284_5226270531289955961_n.jpg" imageanchor="1" ><img border="0" src="https://3.bp.blogspot.com/-8j_z_goVQ8M/WF4NCGnSRQI/AAAAAAAAAmA/uelVMT8KHH0Ig88UXBFs6Fr9G-aRw7ovgCLcB/s320/15078851_10154854760469284_5226270531289955961_n.jpg" width="320" height="168" /></a>jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-82485105649908191892016-12-23T21:51:00.001-08:002016-12-23T21:51:31.280-08:00<a href="https://1.bp.blogspot.com/-9LvuYCAOzDw/WF4M25LblmI/AAAAAAAAAl4/otRZhjoiQ1IY7KB4dXU3xrTurK1dX4b8gCLcB/s1600/12391426_480182778834051_825313738488485095_n.jpg" imageanchor="1" ><img border="0" src="https://1.bp.blogspot.com/-9LvuYCAOzDw/WF4M25LblmI/AAAAAAAAAl4/otRZhjoiQ1IY7KB4dXU3xrTurK1dX4b8gCLcB/s320/12391426_480182778834051_825313738488485095_n.jpg" width="320" height="299" /></a>jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-87471482807365672842016-12-23T21:49:00.001-08:002016-12-23T21:49:59.207-08:00<a href="https://3.bp.blogspot.com/-IkWFBDKSOBs/WF4Meo-SbAI/AAAAAAAAAl0/IoRKNlq0et03tiH90Cb0udr3VPz5Ik5iwCLcB/s1600/15621606_10154973868984284_3890463256099944524_n.png" imageanchor="1" ><img border="0" src="https://3.bp.blogspot.com/-IkWFBDKSOBs/WF4Meo-SbAI/AAAAAAAAAl0/IoRKNlq0et03tiH90Cb0udr3VPz5Ik5iwCLcB/s320/15621606_10154973868984284_3890463256099944524_n.png" width="320" height="320" /></a>jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-78901384167561704682015-11-15T02:10:00.001-08:002015-11-15T02:10:05.997-08:00<a href="http://4.bp.blogspot.com/-nNhVcVsnePY/VkhZyZlOdII/AAAAAAAAAlY/EU-BvkZyzmE/s1600/dt_141002_woman_smoking_cigarette_800x600.jpg" imageanchor="1" ><img border="0" src="http://4.bp.blogspot.com/-nNhVcVsnePY/VkhZyZlOdII/AAAAAAAAAlY/EU-BvkZyzmE/s320/dt_141002_woman_smoking_cigarette_800x600.jpg" /></a>
Money Saving Tips-
Cigarettes have become quite expensive and if you can quit smoking, you will enjoy breathing easier and having more to put away for a rainy day.jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-18416659536075825292015-11-09T21:48:00.000-08:002015-11-09T21:48:00.051-08:00<a href="http://4.bp.blogspot.com/-OyNDW90PHfE/VkGE7cNwCeI/AAAAAAAAAlI/DA30fSmGLW0/s1600/04_12_14-rechargeable-battery_web.jpg" imageanchor="1" ><img border="0" src="http://4.bp.blogspot.com/-OyNDW90PHfE/VkGE7cNwCeI/AAAAAAAAAlI/DA30fSmGLW0/s320/04_12_14-rechargeable-battery_web.jpg" /></a>
Money Saving Tips:
When you shop, look for items that can be reused. Rechargeable batteries are a perfect example.jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-4273454602459445222015-10-15T21:08:00.001-07:002015-10-15T21:08:09.456-07:00<a href="http://3.bp.blogspot.com/-OHRUxaQ2ft8/ViB3_39wqwI/AAAAAAAAAk4/Y67maSzV4ts/s1600/1951290-Shopping-young-woman-smiling-in-the-shopping-mall--Stock-Photo-customers.jpg" imageanchor="1" ><img border="0" src="http://3.bp.blogspot.com/-OHRUxaQ2ft8/ViB3_39wqwI/AAAAAAAAAk4/Y67maSzV4ts/s320/1951290-Shopping-young-woman-smiling-in-the-shopping-mall--Stock-Photo-customers.jpg" /></a>
Money Saving Tips-
If possible, stay away from shopping malls. Prices are generally higher and in most cases, people walk out with more than they anticipated buying. jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-83669182359693185002015-10-09T07:42:00.000-07:002015-10-09T07:42:12.605-07:00<a href="http://3.bp.blogspot.com/-cEW4RhR6ApM/VhfSKdE4QJI/AAAAAAAAAko/XmuvqYT5Ggw/s1600/rmf.jpg" imageanchor="1" ><img border="0" src="http://3.bp.blogspot.com/-cEW4RhR6ApM/VhfSKdE4QJI/AAAAAAAAAko/XmuvqYT5Ggw/s320/rmf.jpg" /></a>
REAL WEALTH CREATOR OF MUTUAL FUND INDUSTRIES
1 Lac Invested in Reliance Growth Fund on 8 October 1995 is now 80 Lac 27 Thousand Three hundred thirty one on 08 october 2015...Total Tenure 20 Years...jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-29895795658994164192015-10-07T23:54:00.001-07:002015-10-07T23:54:47.418-07:00Celebrating 20 Years of Wealth Creation<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-_eL82S_8M7Q/VhYR1cPoj6I/AAAAAAAAAkY/djR-6K6DPSg/s1600/rmf20.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-_eL82S_8M7Q/VhYR1cPoj6I/AAAAAAAAAkY/djR-6K6DPSg/s320/rmf20.JPG" /></a></div>
Market के up एंड down होने पर डरने से Wealth Creation वाली नौका पार नहीं होती....
लेकिन हो Patience और रिलायंस ग्रोथ सा Captain तो Investor की हार नहीं होती.........
jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-82108265435194011272015-09-20T09:27:00.001-07:002015-09-20T09:27:23.841-07:00Hare Gaas ki Rotihttps://www.youtube.com/watch?v=CE2lwZhLvP4jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-6484692732494953882015-09-19T09:33:00.000-07:002015-09-19T09:33:10.194-07:00<div class="separator" style="clear: both; text-align: center;">
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<img src="http://itakeoffthemask.com/wp-content/uploads/2010/06/moneytips.jpg" />
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If you are married, make sure you and your spouse are working
on the same agenda. If one is trying to save money while the other is
busy spending, what is the point? </center>
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jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-12084697445277333302015-09-19T09:10:00.002-07:002015-09-19T09:10:46.937-07:00<div class="separator" style="clear: both; text-align: center;">
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Invest & earn higher returns on savings. Multiply your saving faster than bank deposits. Contact Now: Jinendra Porwal 9829353219jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-91371813324658739322015-09-18T20:39:00.001-07:002015-09-18T20:39:13.355-07:00<div class="separator" style="clear: both; text-align: center;">
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Money Tips: <br />
Look for hair styling shops that offer family deals or learn how to cut hair yourself. jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-84178778561726807572015-09-18T20:30:00.000-07:002015-09-18T20:30:07.371-07:00<div class="separator" style="clear: both; text-align: center;">
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Shri Bohra Ganesh Ji Udaipur<br /><br />jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-65950562068246921012015-09-15T10:59:00.000-07:002015-09-15T10:59:07.056-07:00<div class="separator" style="clear: both; text-align: center;">
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<br />jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-29104667360366893092015-09-15T10:49:00.001-07:002015-09-15T10:49:20.820-07:00BELIEVE IN EQUITY<div class="separator" style="clear: both; text-align: center;">
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<br />jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-31497088627843665832015-09-15T10:33:00.001-07:002015-09-15T10:33:28.709-07:00SMALL IN PLENTY (SIP)<div class="separator" style="clear: both; text-align: center;">
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<br />jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-89504860885260583272014-03-18T06:53:00.001-07:002014-03-18T07:00:20.303-07:00Fixed Deposit - How Taxation can affect your Returns? <div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/--NHyn9m7TOc/UyhRN6WDbII/AAAAAAAAAg4/Gm-B-oT_qE8/s1600/tax+illustration.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/--NHyn9m7TOc/UyhRN6WDbII/AAAAAAAAAg4/Gm-B-oT_qE8/s1600/tax+illustration.JPG" height="185" width="320" /></a></div>
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Fixed Deposit - How Taxation can affect your Returns? Investors are moving towards debt instruments led by poor performance of equity market and lucrative returns offered by debt. Driven by current market situation, FDs has gained popularity in recent times. However what most investors neglect is the taxation aspect attached to it. Read this space to know how taxation can affects your FD returns Equity markets have been highly volatile during the last few years. Still recovering from the last fall, coupled with steep rise in interest rates, most of the investors have since looked for safer avenues to safeguard their investments. Although, among all debt instruments, Public Provident Fund(PPF) , National Savings Certificate (NSC), Post Office Monthly Income Schemes (POMIS) always command high priority, Fixed Deposits(FDs) by banks have gained popularity in recent times. The primary reason is the attractive interest rates offered by the banks along with sovereign guarantee, giving investors a sense of security. However, within this euphoria, most investors neglect taxation aspect while investing in fixed deposits. What they failed to consider is that taxation can significantly lower returns generated by this instrument. Check out interest rate offered on Fixed Deposits by various Banks How FD is taxed The interest income earned through fixed deposit is taxable, if the interest amount exceeds Rs 10,000, in any financial year. This income is added to your total income under header Income from other sources and then taxed as per the income slab. A very important point to note is that the interest income from fixed deposits are taxed on accrual basis and not when actually received. This means that the tax on interest income earned at the end of financial year have to be paid even if the interest is credited at a later year. For e.g. if you are investing Rs 75000 in a fixed deposit for five years, you will have to pay tax on liable interest for all financial years it spans, even though the interest will be credited at the end of fifth year. Also, Tax Deducted at Source (TDS) is deducted by the banks if the interest amount exceeds Rs 10000 from one or through multiple investments. Even FDs in name of the minor attract TDS, if the interest exceeds the limit. What you earn? In a higher interest rate scenario, the going is good for investors in lower tax bracket. The investments from fixed deposits yield them returns that are worth talking about. But as your income go into the higher slabs the taxation starts affecting the net earnings. Consider an interest rate of 9.25% p.a. on a 10 year fixed deposit of Rs 2 lakh. Most of us will be lured by this fixed return which is very high if compared with rates few years back. However, the real picture is very different from what is presumed when taxation is considered.
As can be seen from the above illustration individuals in higher tax slab of 30.9% tax, the post-tax returns are 6.3% from this fixed deposit. As against this, an individual in the lowest tax slab will be able to fetch 8.3% return on the same investment post taxation. Surely, the benefit accruing to lower tax category has lot to cheer. Should you Invest Fixed Deposits are highly liquid instruments and hence are best suited for goals where immediate fund requirement is very high. However, sometimes, high interest rate scenarios like existing today provides good investment opportunities for some category of investors even for long term. Senior Citizens who earns .25-.50 basis more on FDs and enjoy higher exemption limit in income tax are poised to benefit most from this instrument. A retired banker (Senior Citizen) today is able to fetch interest rate close to 11% on a 10 year FD from the same bank where he served. Even if he pays the maximum marginal tax he will still earn close to 8% which will give him a decent income. Inflation is something one has to live with but effect of taxation can be reduced by deploying some tax planning strategies. What you need to consider is post-tax earnings and not just the attractive interest rates, to get a true picture of what you will receive at the end.</div>
jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-7011003387744122792014-01-08T05:38:00.000-08:002014-01-08T05:38:29.878-08:00Happy New Year 2014<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-D76MdECLtuc/Us1Ui4FyLPI/AAAAAAAAAgU/R8KoN7oOku4/s1600/1509212_674831425894773_445530427_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-D76MdECLtuc/Us1Ui4FyLPI/AAAAAAAAAgU/R8KoN7oOku4/s1600/1509212_674831425894773_445530427_n.jpg" /></a></div>
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<br />jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-89826033805092222692013-01-16T17:54:00.001-08:002013-01-16T17:54:18.029-08:00Agneepath- Fire Walk<div class="separator" style="clear: both; text-align: center;">
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Agnipath :- <br />
<br />
वृक्ष हों भले खड़े<br />
हों घने, हों बड़े<br />
एक पत्र छाँह भी<br />
मांग मत! मांग मत! मांग मत!<br />
अग्निपथ! अग्निपथ! अग्निपथ!<br />
<br />
तू न थकेगा कभी<br />
तू न थमेगा कभी<br />
तू न मुड़ेगा कभी<br />
कर शपथ! कर शपथ! कर शपथ!<br />
अग्निपथ! अग्निपथ! अग्निपथ!<br />
<br />
यह महान दृश्य है<br />
चल रहा मनुष्य है<br />
अश्रु-स्वेद-रक्त से<br />
लथ-पथ! लथ-पथ! लथ-पथ!<br />
अग्निपथ! अग्निपथ! अग्निपथ!<br />
<br />
Vriksh hoN bhale khade,<br />
hoN ghane hoN bade,<br />
Ek patra chhaNh bhi<br />
maang mat, maang mat, maang mat,<br />
Agnipath, Agnipath, Agnipath.<br />
<br />
Tu na thakega kabhi<br />
tu na thamega kabhi<br />
tu na mudega kabhi,<br />
Kar shapath, Kar shapath, Kar shapath,<br />
Agnipath, Agnipath, Agnipath.<br />
<br />
Ye Mahaan Drishya hai,<br />
Chal raha Manushya hai,<br />
Ashru, swed, rakta se<br />
Lathpath Lathpath Lathpath..<br />
Agnipath, Agnipath, Agnipath.<br />
<br />
Even if there be trees (around)<br />
shady and huge,<br />
for the shade of a single leaf<br />
don't ask, don't ask, don't ask..<br />
(Walk on the) Path of Fire, (Walk on the) Path of Fire..<br />
<br />
You will never stop,<br />
You will never halt,<br />
You will never turn,<br />
Take this oath, take this oath, take this oath<br />
(Walk on the) Path of Fire, (Walk on the) Path of Fire..<br />
<br />
It's a great scene,<br />
The man is walking,<br />
in tears, sweat, and blood,<br />
soaked, swathed,<br />
(Walk on the) Path of Fire, (Walk on the) Path of Fire..<br />
<br />
Discover Your Hidden Powers. Experience a source of High Energy and Self-realization.
jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-65927904495122675762013-01-15T23:53:00.004-08:002013-01-15T23:53:56.807-08:00<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-DbIW2l91bEs/UPZcf-ratFI/AAAAAAAAAfI/x5wRhxHlxVM/s1600/Agneepath.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://3.bp.blogspot.com/-DbIW2l91bEs/UPZcf-ratFI/AAAAAAAAAfI/x5wRhxHlxVM/s320/Agneepath.jpg" width="218" /></a></div>
Agnipath :- <br />
<br />
वृक्ष हों भले खड़े<br />
हों घने, हों बड़े<br />
एक पत्र छाँह भी<br />
मांग मत! मांग मत! मांग मत!<br />
अग्निपथ! अग्निपथ! अग्निपथ!<br />
<br />
तू न थकेगा कभी<br />
तू न थमेगा कभी<br />
तू न मुड़ेगा कभी<br />
कर शपथ! कर शपथ! कर शपथ!<br />
अग्निपथ! अग्निपथ! अग्निपथ!<br />
<br />
यह महान दृश्य है<br />
चल रहा मनुष्य है<br />
अश्रु-स्वेद-रक्त से<br />
लथ-पथ! लथ-पथ! लथ-पथ!<br />
अग्निपथ! अग्निपथ! अग्निपथ!<br />
<br />
Vriksh hoN bhale khade,<br />
hoN ghane hoN bade,<br />
Ek patra chhaNh bhi<br />
maang mat, maang mat, maang mat,<br />
Agnipath, Agnipath, Agnipath.<br />
<br />
Tu na thakega kabhi<br />
tu na thamega kabhi<br />
tu na mudega kabhi,<br />
Kar shapath, Kar shapath, Kar shapath,<br />
Agnipath, Agnipath, Agnipath.<br />
<br />
Ye Mahaan Drishya hai,<br />
Chal raha Manushya hai,<br />
Ashru, swed, rakta se<br />
Lathpath Lathpath Lathpath..<br />
Agnipath, Agnipath, Agnipath.<br />
<br />
Even if there be trees (around)<br />
shady and huge,<br />
for the shade of a single leaf<br />
don't ask, don't ask, don't ask..<br />
(Walk on the) Path of Fire, (Walk on the) Path of Fire..<br />
<br />
You will never stop,<br />
You will never halt,<br />
You will never turn,<br />
Take this oath, take this oath, take this oath<br />
(Walk on the) Path of Fire, (Walk on the) Path of Fire..<br />
<br />
It's a great scene,<br />
The man is walking,<br />
in tears, sweat, and blood,<br />
soaked, swathed,<br />
(Walk on the) Path of Fire, (Walk on the) Path of Fire..<br />
<br />
Discover Your Hidden Powers. Experience a source of High Energy and Self-realization.jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-15008847988141362032013-01-14T09:15:00.000-08:002013-01-14T09:15:01.430-08:00Niyamit bachat ka smart Tarika...<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-a_QiSAAlecM/UPQ8gvwyxgI/AAAAAAAAAe4/ajc1ELDwxzw/s1600/Recurring+Saving+fund+Hindi+front.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="http://3.bp.blogspot.com/-a_QiSAAlecM/UPQ8gvwyxgI/AAAAAAAAAe4/ajc1ELDwxzw/s320/Recurring+Saving+fund+Hindi+front.jpg" width="228" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-aq4n2lSB1wY/UPQ8dld3xTI/AAAAAAAAAew/mvxjx61IRcc/s1600/recurring+saving+fund+hindi+back.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="http://1.bp.blogspot.com/-aq4n2lSB1wY/UPQ8dld3xTI/AAAAAAAAAew/mvxjx61IRcc/s320/recurring+saving+fund+hindi+back.jpg" width="272" /></a></div>
<br />
<h5 class="uiStreamMessage userContentWrapper" data-ft="{"type":1,"tn":"K"}">
<span class="messageBody" data-ft="{"type":3}"><span class="userContent">Niyamit bachat ka smart Tarika...<br /> Contact now:<br /> Jinendra Kumar Porwal (Advisor)<br /> "Riddhi Siddhi" Estate,<br /> 1, Gokul Nagar (Commercial)<br /><span class="text_exposed_show"> Near Bohra Ganesh Ji Temple,<br /> Udaipur (Rajasthan)<br /> 313001.<br /> Phone: 0294- 2471358<br /> Mobile : 9351445025, 9829353219,9352047407 & 9460700906<br /> E-mail: jinendraporwal@rediffmail.com<br /> Website: <a href="http://mutualfundadvisor-jinendraporwal.blogspot.com/" rel="nofollow nofollow" target="_blank"><span>http://</span><wbr></wbr><span class="word_break"></span><span>mutualfundadvisor-jinendraporwa</span><wbr></wbr><span class="word_break"></span>l.blogspot.com/</a><br /> <a href="http://insuranceadvisor.friendpages.com/" rel="nofollow nofollow" target="_blank"><span>http://</span><wbr></wbr><span class="word_break"></span><span>insuranceadvisor.friendpages.co</span><wbr></wbr><span class="word_break"></span>m/</a><br /> <a href="http://www.facebook.com/profile.php?id=100001359501233" rel="nofollow" target="_blank"><span>http://www.facebook.com/</span><wbr></wbr><span class="word_break"></span>profile.php?id=100001359501233</a><br />
Deals in: All Mutual Funds , Real Estate Property Investment, Birla
Sunlife Insurance,Bajaj Allianz General Insurance, Bajaj Allianz Health
Insurance & DEMAT Account in Reliance Money</span></span></span></h5>
jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-27161582178622274852013-01-11T09:19:00.000-08:002013-01-11T09:19:35.438-08:005 Things To Know About Asset Allocation<!--[if gte mso 9]><xml>
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With literally thousands of
stocks, bonds and mutual funds to choose from, picking the right investments
can confuse even the most seasoned investor. However, starting to build a
portfolio with stock picking might be the wrong approach. Instead, you should
start by deciding what mix of stocks, bonds and mutual funds you want to hold -
this is referred to as your asset allocation.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
What Is Asset Allocation?</div>
<div class="MsoNormal" style="text-align: justify;">
Asset allocation is an investment
portfolio technique that aims to balance risk and create diversification by
dividing assets among major categories such as cash, bonds, stocks, real estate
and derivatives. Each asset class has different levels of return and risk, so
each will behave differently over time. For instance, while one asset category
increases in value, another may be decreasing or not increasing as much. Some
critics see this balance as a settlement for mediocrity, but for most investors
it's the best protection against a major loss should things ever go amiss in
one investment class or sub-class.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The consensus among most
financial professionals is that asset allocation is one of the most important
decisions that investors make. In other words, your selection of stocks or
bonds is secondary to the way you allocate your assets to high and low-risk
stocks, to short and long-term bonds, and to cash on the sidelines.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
We must emphasize that there is
no simple formula that can find the right asset allocation for every individual
- if there were, we certainly wouldn't be able to explain it in one article. We
can, however, outline five points that we feel are important when thinking
about asset allocation:</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
1. Risk Vs. Return</div>
<div class="MsoNormal" style="text-align: justify;">
The risk-return tradeoff is at the
core of what asset allocation is all about. It's easy for everyone to say that
they want the highest possible return, but simply choosing the assets with the
highest "potential" (stocks and derivatives) isn't the answer. The
crashes of 1929, 1981, 1987, and the more recent declines of 2007-2009 are all
examples of times when investing in only stocks with the highest potential
return was not the most prudent plan of action. It's time to face the truth:
every year your returns are going to be beaten by another investor, mutual
fund, pension plan, etc. What separates greedy and return-hungry investors from
successful ones is the ability to weigh the difference between risk and return.
Yes, investors with a higher risk tolerance should allocate more money into
stocks. But if you can't keep invested through the short-term fluctuations of a
bear market, you should cut your exposure to equities.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
2. Don't Rely Solely on Financial
Software or Planner Sheets</div>
<div class="MsoNormal" style="text-align: justify;">
Financial planning software and
survey sheets designed by financial advisors or investment firms can be
beneficial, but never rely solely on software or some pre-determined plan. For
example, one old rule of thumb that some advisors use to determine the proportion
a person should allocate to stocks is to subtract the person's age from 100. In
other words, if you're 35, you should put 65% of your money into stocks and the
remaining 35% into bonds, real estate and cash.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Stock Watch List: CTLE</div>
<div class="MsoNormal" style="text-align: justify;">
But standard worksheets sometimes
don't take into account other important information such as whether or not you
are a parent, retiree or spouse. Other times, these worksheets are based on a
set of simple questions that don't capture your financial goals. Remember, financial
institutions love to peg you into a standard plan not because it's best for
you, but because it's easy for them. Rules of thumb and planner sheets can give
people a rough guideline, but don't get boxed into what they tell you.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
3. Determine Your Long- and
Short-Term Goals</div>
<div class="MsoNormal" style="text-align: justify;">
We all have our goals. Whether
you aspire to own a yacht or vacation home, to pay for your child's education
or to simply save up for a new car, you should consider it in your asset
allocation plan. All of these goals need to be considered when determining the
right mix.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
For example, if you're planning
to own a retirement condo on the beach in 20 years, you need not worry about
short-term fluctuations in the stock market. But if you have a child who will
be entering college in five to six years, you may need to tilt your asset
allocation to safer fixed-income investments.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
4. Time Is Your Best Friend</div>
<div class="MsoNormal" style="text-align: justify;">
The U.S. Department of Labor has
said that for every 10 years you delay saving for retirement (or some other
long-term goal), you will have to save three times as much each month to catch
up. Having time not only allows you to take advantage of compounding and the
time value of money, it also means you can put more of your portfolio into
higher risk/return investments, namely stocks. A couple of bad years in the
stock market will likely show up as nothing more than an insignificant blip 30
years from now.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
5. Just Do It!</div>
<div class="MsoNormal" style="text-align: justify;">
Once you've determined the right
mix of stocks, bonds and other investments, it's time to implement it. The
first step is to find out how your current portfolio breaks down. It's fairly
straightforward to see the percentage of assets in stocks versus bonds, but
don't forget to categorize what type of stocks you own (small, mid or large
cap). You should also categorize your bonds according to their maturity (short,
mid or long term). Mutual funds can be more problematic. Fund names don't
always tell the entire story. You have to dig deeper in the prospectus to
figure out where fund assets are invested.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The Bottom Line</div>
<div class="MsoNormal" style="text-align: justify;">
There is no one standardized
solution for allocating your assets. Individual investors require individual
solutions. Furthermore, if a long-term horizon is something you don't have,
don't worry. It's never too late to get started. It's also never too late to
give your existing portfolio a face-lift. Asset allocation is not a one-time
event, it's a life-long process of progression and fine-tuning.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-71220341024436980612013-01-11T09:09:00.001-08:002013-01-11T09:09:42.165-08:00Happy New Year to All<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/--oQCpj6Qi4w/UPBHNTCZFeI/AAAAAAAAAeg/Jxec0r5Q5mk/s1600/528652_440503102671669_1640283953_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="256" src="http://4.bp.blogspot.com/--oQCpj6Qi4w/UPBHNTCZFeI/AAAAAAAAAeg/Jxec0r5Q5mk/s320/528652_440503102671669_1640283953_n.jpg" width="320" /></a></div>
<br />jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-38097000997176443732012-12-08T08:21:00.001-08:002012-12-08T08:21:14.879-08:00How to secure your child's future?<!--[if gte mso 9]><xml>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-xSDI929dtmo/UMNo6Vu2lGI/AAAAAAAAAeM/Y2Tuy8J2Wlk/s1600/cute-child.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://1.bp.blogspot.com/-xSDI929dtmo/UMNo6Vu2lGI/AAAAAAAAAeM/Y2Tuy8J2Wlk/s320/cute-child.jpg" width="300" /></a></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
How to secure your child's
future?</div>
<div class="MsoNormal" style="text-align: justify;">
On at least one aspect, I think
several of the insurance company advertisements have got it spot on. The
initial celebrations on the arrival of the child gradually leads to a more
sober reflection on how best to ensure his / her comfortable upbringing and education.
Doubtless, finances are but one aspect of this concern; but they are an
important one! Moreover, they are probably much easier addressed than some of
the softer and other cultural aspects of parenting.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
INVESTMENTS</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Investment is distinct from
Savings</div>
<div class="MsoNormal" style="text-align: justify;">
Savings simply mean you set aside
a portion of your income for future use. Yet, it is (careful and planned)
investing that makes maximum use of these savings and optimizes your portfolio
in later years. This is especially important since inflation tends to erode the
purchasing power of money over a period of time. A headline inflation of 6%-7%,
actually translates into a lifestyle inflation of 10%. Thus, if your money is
lying in a deposit fetching 7% interest rate, you are actually eroding wealth!</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span>India<span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span> is the
best growth story to invest in<span style="font-family: Batang; mso-bidi-font-family: Batang;"></span></div>
<div class="MsoNormal" style="text-align: justify;">
In contrast, with the medium to
long-term prospects of India<span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span>s growth being as strong as
they are, the long-term returns on equity can be assumed to be 15%. Thus, this
provides an effective way to not get left behind the growth story that is India.
In addition, investing in equity as an asset class, if well researched and
carefully done, enjoys various benefits, such as:</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"> </span>High liquidity, to withdraw money in
desired quantity whenever needed</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"> </span>High flexibility in terms of investing as
and when funds are available</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"> </span>Favourable tax treatment (especially
compared to real estate and fixed deposits)</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"> </span>Low transaction costs</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"> </span>High degree of transparency in knowing how
your corpus grows</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The power of compounding</div>
<div class="MsoNormal" style="text-align: justify;">
Returns on investments exhibit
the effect of compounding. Very simply put, it means that the returns earned on
the investment in the first year, gets added to the corpus in subsequent years
and fetches its own returns. Thus, in the illustrative returns shown above, if
you invest Rs. 1 crore today in equity @15%, the corpus would grow to Rs 4
crore in 10 years time. In contrast, in a fixed deposit @7%, the corpus would
only be Rs 2 crore in 10 years time.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Index investing</div>
<div class="MsoNormal" style="text-align: justify;">
Investing in the index is
possibly the best long-term way to benefit from the India
growth story. You can invest in the index either one-time, or systematically as
you earn more, or a combination of these. The benefit of index investing is the
low transaction cost and low need for research involved. Thus, for those not
very comfortable with the markets, or with those having no time to do extensive
research, it is also a good starting point to gain familiarity with the working
of equity markets.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Once you are more comfortable
with equity markets and with how an investment portfolio works, you can
consider allocating funds to more actively managed portfolios as well. These
require much more research and active management, but at the same time have the
potential to generate higher returns than the index by leveraging existing
market conditions.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Trust formation</div>
<div class="MsoNormal" style="text-align: justify;">
Very often we come across
customers desirous of making a trust in each of their children<span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span>s
names. In India,
unlike in some other countries, such trusts by themselves have no special tax
benefits. Yet, they often have softer benefits such as helping mentally
allocate resources for each child<span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span>s milestones, monitor each
set of investments clearly, etc. Given the formalities and procedures around
trust formation, maintenance and reporting, we would recommend this to people
having a large corpus only. With most others, the money may be managed through
mental accounting alone, without going through the legal procedures around
trust creation.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
LIFE INSURANCE</div>
<div class="MsoNormal" style="text-align: justify;">
The concept of life insurance is
to secure the lifestyle and indeed the financial well being of the family in
the unfortunate event of the breadwinner not being around. Due to cultural
reasons, this often brings unpleasant thoughts, and hence the subject of
insurance gets pushed under the carpet.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
However, we would rather look at
it as a means to lead a more secure and worry-free life. While the emotional trauma
of loss of a family member is unavoidable, insurance atleast spares the
financial burden that this could bring. Thus, an insurance of five to seven
times annual earnings is a useful benchmark to have as amount of life
insurance.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
A term plan is a simple and
effective life insurance policy. Very roughly, the annual premium for a healthy
35-year old, for a life cover of Rs. 1 crore, should amount to about Rs.
45,000. There are two important points to note here: the earlier you start the
life cover, the lower the premium rate you can lock-in (once locked-in, the
premium does not ever change). Secondly, it is a huge benefit to start life
insurance when one is healthy and unaffected by any chronic ailments. This
ensures much lower premiums, and a hassle-free claims process.</div>
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<br /></div>
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We would, at this stage, advise
against the more complicated unit linked products; or the typically low
yielding <span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span>traditional<span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span> insurance products. These
are useful for investors only in very specific cases, and only when the
investors have understood the cost-benefit equations of these plans very
carefully. The insurance agents very seldom do such elucidation; and hence it
may be useful to stay away from these for a while.</div>
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<br /></div>
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KEY NEXT STEPS</div>
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<br /></div>
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Just as it is impossible to learn
swimming without jumping into the pool, we believe a start has to be made
sometime along both these dimensions. And there is no better time than today!</div>
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<br /></div>
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Thus, we would recommend a simple
starting point for parents thinking about their child<span style="font-family: "Arial Unicode MS"; mso-fareast-font-family: "Times New Roman";">�</span>s future:<span style="font-family: Batang; mso-bidi-font-family: Batang;"></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Invest a lump sum in an index
fund, and plan to systematically build this through authorising smaller
additional investments monthly. You can look at research to see which are the
good funds, and keep your portfolio under periodic monitoring.</div>
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Insure your life, for atleast five
times your annual earnings. Again, a simple shopping expedition should get you
the best term insurance cover applicable for your age and health.</div>
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<br /></div>
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- Ramganesh Iyer</div>
jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0tag:blogger.com,1999:blog-4052555458507747557.post-3608434203171084762012-12-08T08:13:00.001-08:002012-12-08T08:13:23.441-08:00Om Namah Shivaya<div class="separator" style="clear: both; text-align: center;">
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Jai Shri Eklingnath Ji Ki<br /><br />jinendraporwalhttp://www.blogger.com/profile/18047773028244595875noreply@blogger.com0