Jd Wealth & Financial Services

19/11/2022

19/11/2022

14/11/2022

Managing your finances can be challenging as a parent, whether it is childcare expenses or saving money for higher education. HDFC Children’s Gift Fund (CGF) could help your child board his dream flight. Children’s Day can be a good start to planning and investing for their future. https://web-link.co/4oba4

23/04/2020

Franklin Templeton Mutual Fund in India on April 23 announced its decision to wind up its suite of six yield-oriented, managed credit funds effective today.

"In light of the severe market dislocation and illiquidity caused by the COVID-19 pandemic, this decision has been taken in order to protect value for investors via a managed sale of the portfolio," the company said in a statement.
The decision is restricted to six funds which, the company said, have material direct exposure to the higher-yielding, lower-rated credit securities in India that have been most impacted by the ongoing liquidity crisis in the market. These include Franklin India Low Duration Fund, Dynamic Accrual Fund, Credit Risk Fund, Short Term Income Plan, Ultra Short Bond Fund and Income Opportunities Fund.
Sanjay Sapre, President, Franklin Templeton – India, said, "The decision to wind up these funds was an extremely difficult one, but we believe, it is necessary to protect value for our investors and presented the only viable means to secure an orderly realization of portfolio assets."
The company noted that all other funds managed by Franklin Templeton Mutual Fund in India – equity, debt, and hybrid – will remain unaffected by this decision. "These other funds are managed by independent teams of investment managers and continue to perform as per their respective investment mandates," it said.

26/03/2020

*Why this is One of the Life Time Opportunity !!!*


1. Nifty made bottom of 7800 due to Brexit in 2016.

2. Nifty again made bottom of 7800 during Demonetisation in 2016.

3. Monthly June 2014 Closing was 7500.

4. GST is successfully implemented for last 2 years

5. Tax rates reduced to 25% & 15%

6. Oil less than $25

7. All major reforms done by Government to achieve $5 trillion economy.

6 years later, you get to Buy the worlds fastest economy at 0.65 times Mcap / GDP Ratio, this is probably the 5th opportunity in last 30 years.

On Last 4 occasions it has bottomed between (0.55-0.7) range.

1992, 1996, 2001, 2008, 2020 , watch these numbers closely ... with passing time and growing economy, the time is widening,

Now ask yourself

1. When will you get the next chance to board this bus again ?

2. What if you can’t time the bottom & miss it by 5 or 10% margin, are you a winner or loser ?

3. Are you fearful and selling in panic or on rumours ?

4. You watch market rising day after day when the news flow is very negative, whom to believe Market or News ?

5. If Money transfers from Impatient to Long term investor, who are you ?

Fear & Greed is the problem of retail investors.

They can't sell their holdings at top due to greed and can't buy at bottom due to fear.

Generally they buy near top and sell near bottom. This excellent strategy practiced by retail investors since long.

This is the mass psychology of retail investors.

Now number of quality scrips available at reasonable prices, but they can't buy due to fear.

THINK YOURSELF
Call to open a new Demat Account
Regards
DURAI MURUGAN
9042038724/ 9841438724

30/01/2019

30/01/2019

14/11/2018

This Information will be about the recent drop in the price of oil.

Since the 1st of October, 2018, oil prices have dropped from $84.51 to close at $70.18 as on Friday, 9th November, 2018 - which is a drop of around 19%.
The reasons behind this fall mostly comes from the supply side of the market as follows:
1) Crude Oil Inventory
The crude oil inventories of the US have risen for seven straight weeks. This might be the result of China stopping its oil imports from the US because of the on-going trade dispute between the two countries. The loss of this export market has contributed to the growth in inventory levels in the US, resulting in a drop in prices. Saudi Arabia (largest member of the Organisation of Petroleum Exporting Countries - OPEC) and Russia are producing oil at record highs. The three together are producing 33 million barrels per day, a third of the world’s output.
2) Iran’s supply
The effect of the reduction in supply of oil due to Iran’s exit from the market (due to re-imposition of sanctions on Iran by the US) has been diminished in the short term - as the US has allowed 8 countries to import oil from Iran for 180 more days. Therefore, the upside risk to the price of oil in the short term has mitigated.
Conclusion
Currently, the Brent Crude spot price has fallen below its 12-month futures contract. This rise of the futures price above the current spot price indicates that markets are concerned with the oversupply at the moment.
The fall in oil prices may be positive for India in the short term as India imports a huge portion of its oil requirements. For many corporates too, easing crude oil prices may bring some relief on the costs front. However, this is highly uncertain as much would depend on whether OPEC members decide to introduce production cuts in the future. For instance, Saudi Arabia announced on Monday, November, 2018, that they will supply 5,00,000 fewer barrels a day in December, 2018 compared to November, 2018. Therefore, it will be interesting to observe the movement of oil prices in the near future.
The above discussion highlights the sensitivity of India’s economy to changes in oil prices and its high dependence on imported oil. India imports close to 77% of its oil requirement. The Government in March, 2015, has therefore set a target of reducing India’s import dependence through various initiatives to 67% by 2022.

08/11/2018

Which is better: ELSS or ULIP?
ELSSs have predictable costs, easily understandable returns and are transparent about how the fund operates and what it invests in

Functionally, there is nothing common between Equity Linked Savings Schemes (ELSSs) and Unit Linked Insurance Plans (ULIPs). It's a basic rule of saving to not mix up insurance and investments. ELSSs and ULIPs are two different products that serve different purposes. While ULIP is a mix of life insurance and investment offered by life insurance companies, ELSS is an equity fund. Both are eligible tax-saving investments but the similarity ends there
ELSS have predictable costs, easily understandable returns and are transparent about how the fund operates and what it invests in. Not so with ULIPs. From the premium paid, the insurer deducts charges towards life insurance (mortality charges), administration expenses and fund management fees. So only the balance amount is invested. ULIPs have high first year charges towards acquisition (including agents commissions). In order to evaluate the return generated by a ULIP and thus compare it with another investment, you need to take into consideration only that portion of the premium that is invested in a fund. However, you cannot access this information very easily.
In a ULIP, the mix of investment and insurance prevents savers from having a clear cost-vs-benefit understanding of either of the two components.
In a ULIP, your money is locked for a longer period of time. In this kind of investment you have to sacrifice on transparency and liquidity as well. In theory, ULIPs have a five year lock-in, but since terminating the policy early affects returns adversely, in effect it is a ten to fifteen years commitment. The high costs, difficulty in evaluation, lack of transparency and low liquidity doesn't make ULIP a suitable investment vehicle.

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