Preeti Kapoor

 Know the difference between Mutual Fund & SIP Many people get confused between Mutual Funds and SIP. Mutual Fund is an investment product, while SIP is nothing but a regular and disciplined method of investing.in Mutual Fund. Mutual Fund is an investment product and SIP is a mode of investment.  We can do SIP into a mutual fund. MUTUAL FUNDS Mutual Funds are instruments for investment A Mutual Fund is a professionally managed investment scheme where a fund house pools money from several investors. The idea behind the mutual funds is to get the benefit of diversification of risk Mutual funds further invest your money in: Debt instrument Equity instrument   Hybrid instrument SYSTEMATIC INVESTMENT PLAN (SIP) SIP is a method of investing in a mutual fund. Through SIP, you can automatically invest a fixed sum of money at specified intervals. SIP is the most recommended way of investing in Mutual Funds. You can invest a small amount on a regular basis either monthly, weekly, quarterly a

  Growth Stocks  Growth stocks are those stocks that grow at a faster rate than the average stocks in the market.   GROWTH STOCK MEANING A stock that has high growth potential. They can lead to massive wealth creation.  They have the potential to earn above-average returns.  Growth investing focuses on investing in companies that are growing rapidly. KEY INDICATOR TO FIND GROWTH STOCKS Some key indicators that may help us to identify growth stocks as there is no absolute formula that helps us to identify growth stocks. EPS (Earning Per Share) EPS is an important financial measure. It indicates the profitability of a company. It is the tool used by the market participants of a company before buying its shares It is calculated by dividing profit after tax by the total number of outstanding shares. As the EPS of the company increases, the stock price also appreciates. Comparison with peers in the same industry also tells you about the financial performance of a company. Growing reserve of

  Credit Card Charges You Must Be Aware Of Bank claim that credit cards are free, the user must understand that there are few hidden charges attached to the cards. Knowing these charges may help customers to use their cards wisely. Annual Charges - Credit cards come with a joining fee and an annual fee. There will be an annual charge, even if you are offered a credit card for free. Check before opting for the same. GST Charges -  All credit card transactions are subject to GST. Currently, the charge is 18% upon the billed value. Late Payment Charges -  In case an individual does not pay the minimum due amount in time, the bank levies additional late payment charges. These charges are applicable after the due date. Cash Handling Charge -  If you withdraw money from ATMs you have to pay additional charges. Around 2.5%-3% cash withdrawn is charged. Try not to withdraw cash by using credit cards.  Overdraft charges -  When a credit cardholder exceeds their monthly credit limit applicab

Golden Rules Of Investing In Stock Market Investing doesn't need to be complicated or difficult, but there are a few golden rules which may help you stay on track A properly disciplined approach to stock market investment can work wonders for an investor. Thus, it is important to keep in mind some golden rules when it comes to stock market investment. 1. Avoid the herd mentality - Try to avoid getting influenced by other investors. follow your strategy. Avoid herd mentality if you don't want to lose your hard-earned money 2. Think long-term - When you are investing in the stock market you cannot have a short-term goal or strategy for investment. Most of the stocks take at least 2-3 years time frame to give good returns to their shareholder.  3. Never invest in a single stock - If your investment is diversified, then the chances of a single stock hurting your entire portfolio are reduced. 4. Do not get emotional - In the stock market due to fear, greed and investors' i

 Edelweiss Large & Midcap Index Fund An open-ended equity scheme replicating Nifty LargeMidcap 250 Index NFO Period-  15th Nov to  26th Nov 2021 About Fund Fund provides exposure to large and midcap stocks in one portfolio. It ensures a balance between growth and stability. NFO Details Scheme Type : An open-ended scheme replicating Nifty LargeMidcap 250 Index Category of the Scheme : Index funds  Minimum Investment : Lumpsum minimum of  Rs.5000 and multiples of Re. 1 Additional Purchase : Minimum of Rs. 500 & multiple of Re.1 thereafter Exit Load : Nil Fund Manager :  Mr. Bhavesh Jain Plan Options : Regular & Direct  Performance of the Underlying Index Since Inception (April 2005) Nifty LargeMidcap 250 Index-TRI          16.65% Nifty 500-TRI                                                     15.30% Nifty 200-TR                                                       15.36% Why Edelweiss Large & Midcap Index Fund? A powerful index fund to invest in large & midcap univ

  Research before Investing in IPO Before investing in IPOs, make sure you are familiar with their growth prospects and associated risk It is wise for investors to take enough precautions while investing in IPOs as at times such investment could be riskier than assumed. Here are 5 precautionary measures one should undertake while putting in money in IPOs 1. Carefully read the DHRP of the company The Draft Red Herring Prospectus (DRHP) of a new entity offers a detailed insight into the company that is coming with an IPO. It provides critical information that can help you understand the business better. 2. Know the Promoters Promoters are the driving force of the company. The growth of the company largely depends upon the promoter's ability to make the right decisions. 3. Know about the Risk Factors Risk factors mentioned in DRHP must be given attention. It is better to avoid investing in IPOs if it does not match your risk appetite. 4. Objective of Capital Raised It must be taken in

 Aditya Birla Sun Life Business Cycle Fund   NFO Opens: November 15, 2021  NFO Closes: November 29,2021 The fund is an open-ended equity scheme. It is a business cycle-based investing theme. Objective It provides long-term capital appreciation by investing predominantly in equity and equity-related securities with a focus on riding business cycles through dynamic allocation between various sectors and stocks at different stages of business cycles in the economy. This scheme aims to identify the sectors that are likely to do well when the economy booms. It will aim at being diversified across various industries. NFO Issue Details Minimum Lumpsum     Rs. 500 Minimum SIP                   Rs. 100 for 6 months NAV of the Fund             Rs. 10 during NFO period Entry Load                        Nil Exit Load                            1% if redeemed within 1 year Risk                                       Very High Risk BenchMark                        S&P BSE 500 TRI   Why to Invest?

  Financial Planning Tips for Women Women are better managers than men. They also have a long-term view of things. All these are great skills for doing good financial planning. The inclusion of women in financial matters was less important in earlier days. Over the year the thought process changed as more and more women are driving financial decisions.  Go ahead and set a financial future for yourself and your family. Tips for Women 1. Take control of your finances as financial planning is important. Start planning your investment right now!! 2. Accumulating wealth through investment is necessary. It is good to put idle savings to use. 3. Manage your debt, as excess debt leads to financial disasters. If you have surplus cash, pay off your debt. 4. Create an emergency fund. It helps you to have enough money for bad days. 5. Get properly insured. You require both health insurance and life insurance. 6. Build a consistent plan for the whole family. It will be better to go in sync and alig

            National Pension Scheme About NPS   The NPS is a pension cum investment scheme launched by the Government of India. Pension plans provide financial security and stability during old age. It is an attractive long-term saving avenue.  The scheme is regulated by Pension Fund Regulatory and Development Authority (PFRDA).  NPS is available to all citizens of India. NPS account opening Eligibility Any citizen of India between the age of 18 and 65 years can open an NPS account.  There are two ways to open an NPS account.      Online through eNPS website.      Offline by visiting POP-SP. It could be a bank or post office. A Permanent Retirement Account Number is issued to each NPS subscriber.  Online through E-NPS One can open an account online through https://enps.nsdl.com/eNPS/NationalPensionSystem.html. Offline In case of offline opening of an account, the person can go to the nearest POP-SP. Submit PRAN application along with KYC documents. The PRAN card is issued and will be s

Foreign Investment in India Introduction During liberalization in the year 1991, the government has eased the country's investment policies. It has made India an ideal investment hub for foreign investors. Investment by foreign companies are also attracted by lower wages, investment privileges, a good business environment, etc. FDI inflows According to the investment report 2021, India FDIs were bolstered due to the acquisition in information, communication technology and construction sectors. Total FDI Inflow FY20-21, India has attracted a 10% higher FDI inflow than the previous year. Computer software and hardware are reported as a top sector for inflow with a 55% share of the total FDI inflow, construction infrastructure at 16% & service sector at 11%. Among states, Gujarat, Maharastra and Karnataka attracted maximum investment by FDIs. Boost in FDI investment The government has relaxed FDI norms in various sectors like telecom, power exchange PSU oil refineries. Few are lis