Niveshjaankaari.com

Niveshjaankaari.com Awareness of all existing investment avenues ,new opportunities & related information.What are the available investment options ?Tax saving instruments ?

Pension Funds/Schemes? Insurance options? Child Education expense planning ? Retirement Planning ? Our purpose is to spread awareness on financial products in India.
100 people earn . out of that 100, 10 People save . out of 10 , 2-3 % invest for wealth creation. Start thinking & Ask your question at no cost.

13/03/2022

MFs to pay up to Rs.15,000 stipend to new individual MFDs for 12 months with exclusive tie ups

Source: Cafemutual (7/3/2022)

08/03/2022

HAPPY WOMEN'S DAY
Monumental contribution of Indian women across all walks of life, including Science, Sports, Medicine, Defence, Politics, Economics etc. is undisputable. In spite of this, there are few areas where societal stereotypes result in women having limited involvement – one of which happens to be personal finance. In quite a few families, even today, women do not have significant say in decisions pertaining to personal finance and investments. While household dynamics have changed significantly over the years and women today contribute significantly to household budgets, when it comes to financial planning, patriarchal stereotypes still dictate financial planning decisions.

Further, while Indian women have been exceptional at managing household budgets and saving money for the rainy day, not a lot of thought has gone into growing that money or in other words, investing for wealth creation.
It is no secret that financial freedom is the bedrock of a fulfilling life. For women, it assumes all the more significance as being financially independent gives one the confidence to be assertive and take a stand on key issues.

Msg by Navneet Munot (HDFC mutual fund)

18/02/2022

Let's understand terminology -

1. Insurance - Risk management tool - Bure waqt me kaam aane waali cheej.

2. Saving - Ek bachat Jo aapke normal expenses meet karne me aapki help karti hai.

3. Investment - Ek behaviour Jo aapke bade sapne/badi jaroorato ke liye jaroori hai.

4. Market me Risk - Ka matalab utaar chadhao . 100 ke 50 ho sakte hai lekin 0 nahi honge agar ho bhi Gaye to wapas 50 ke 100 hone ka dam hai market me.

5. Past Performance in scheme - It doesn't guarantee future performance. It only gives comfort that Fund manager has been capable of managing things in reasonable manner.

Thanks

18/02/2022

Perception/Myth /Facts

Let's check....

1. Residential properties on rent - Offers a rent yield of 2-3% average. Kiraye pe Ghar dena fayde ka souda nahi hai

2. Hamare brain me investment ka decision or marne ka khoff ek hi part (brain) me process hota hai..as per a scientific study..

3. NCD/Corporate FDs are not 100% safe. You might see default anytime.

4. Real estate is not the only best investment option. Compare with others before investing huge amount.

5. Most people think that they can manage their investments well , no ,Aisa nahi hota .
Everybody needs an advisor.
Medical store pe mili hui dawa ek limit Tak hi kaam karti hai ,jabki doctor can help you to cure diseases more effectively

6. Start investing in your early age to build wealth. If you will start late , it will give you stress complimentary.

Thanks

18/02/2022

Advantages & Disadvantages-

Mutual Funds - Professional Management, Low Expense, Moderate Risk
Disadvantages - Sometimes Over diversification , Existence of many schemes confuse people

NPS - Low expense , Flexibility to change asset class , Tax Efficient (above 80C)
Disadvantages - Active
management is limited.

PPF - Safe , Moderate return ,Tax Efficient (80C and Gains also)
Disadvantage - Low liquidity (Long term product)

LIC endowment policies- safety & tax efficiency
Disadvantage - Very long & return/yield is low comparatively.

Term Plan Insurance - Will protect your family from financial crisis in case of your unfortunate demise,Tax Efficient ( 80 C )
Disadvantage - Sometimes companies offer in customize form which comes at higher cost of premium. Need to see before you opt any.

Health Insurance - Important to protect your wealth when your ill health will be eating your hard earned money. It will take of hospital bills.
Disadvantage - some exclusion will be there or they might cover at higher premium, see carefully to avoid surprise.

Happy to take feedback & question.

07/02/2022

Basic Gyan on Money/Investment/ Risk Cover

Important

1. Nothing is free in this world except mother's love. Agar kahin aapko return jyada mil raha hai to wo free nahi hai ,wahan par risk jaroor hoga.

Rule - Higher the return, Higher the risk.

2. Every Investment option is good till the time you are aware of its risk level. If you are not aware , it's very risky.

3. Investing behaviour & awareness is more important than Investment amount & time of investment.

4. Life me Investment & Insurance dono jaroori hai.

5. Saving is not a substitute of Investing. Both are different.

Happy to answer any question.

Thanks

06/02/2022

Today I am sharing a list of investment options which gives you benefit of tax savings under section 80 C. The limit to avail tax benefit under these options is 150000/- Per Year.

Scheme name & Lock-in details to qualify for Sec 80 C tax benefit👇

1. ELSS (Equity linked Saving scheme) -It comes Under Mutual Fund- Lock-in 3 Years

2. Fixed Deposit - Lock-in 5 Years

3 . Post office term deposit - Lock-in 5 Years

4. PPF (Public Provident Fund)- Lock-in 15 Years

5. National Saving Certificate - Lock-in 5 Years

6. Suknya Samridhi Yojna - Lock-in 21 Years

7. ULIP (Unit linked insurance plan) - Lock-in 5 Years

इन सभी की डिटेल्स आपको आने वाली पोस्ट में मिलेगी। अगर आप इनसे संबंधित कोई सवाल पूछना चाहते है तो पूछ सकते है।

02/02/2022

बजट में बड़े ऐलानों पर एक नजर, जानिए किसको क्या मिला-
डिजिटल इकोनॉमी को बढ़ावा देने पर फोकस
LIC का IPO जल्द आने की उम्मीद
NPA से निपटने के लिए बैड बैंक का कामकाज शुरू
'आत्मनिर्भर भारत' से 16 Lk रोजगार के मौके
गतिशक्ति मास्टर प्लान के जरिए इंफ्रा को बढ़ावा देंगे
FY23 में 25000 KM का नेशनल हाइवे तैयार करेंगे
100 PM गति शक्ति कार्गो टर्मिनल्स बनाएंगे
मेक इन इंडिया के तहत 60 लाख रोजगार के मौके
किसानों को MSP के लिए 2.7 लाख करोड़ देंगे
किसान ड्रोन को बढ़ावा देगी सरकार
ECLGS स्कीम के तहत 5 लाख करोड़ का कवर होगा
62 लाख लोगों तक पीने का पानी पहुंचाने का लक्ष्य
ड्रोन बनाने के लिए स्टार्टअप को बढ़ावा दिया जाएगा
सरकार की डिजिटल यूनिवर्सिटी बनाने की योजना
हेल्थ इंफ्रा के लिए डिजिटल नेटवर्क बनेगा
नेशनल टेली मेंटल हेल्थ प्रोग्राम लॉन्च होगा
2 लाख आंगनबाड़ी को और विकसित करेंगे
PM हाउसिंग लोन के लिए 48,000 करोड़ का आवंटन
ड्रिंकिंग वाटर प्रोजेक्ट के लिए 60,000 करोड़ का आवंटन
PM आवास योजना के तहत 80 लाख नए मकान बनेंगे
पूर्वोत्तर राज्यों के विकास के लिए 1500 करोड़ का आवंटन
75 डिजिटल बैंकिंग यूनिट खोलेंगे
चिप आधारित पासपोर्ट जारी करेंगे
बैटरी बनाने के लिए प्राइवेट सेक्टर को बढ़ावा देगी
कंपनियों को बंद करने की प्रक्रिया आसान और तेज होगी
2022 में 5G स्पेक्ट्रम की नीलामी होगी
2022-23 में RBI डिजिटल करेंसी जारी करेगी
इनकम टैक्स नियमों में बड़े सुधार किए जाएंगे
जुर्माना भरकर 2 साल पिछला IT रिटर्न अपडेट कर सकेंगे
दिव्यांग के लिए टैक्स में राहत का प्रस्ताव
राज्य कर्मचारियों के लिए NPS में छूट केंद्र के बराबर
स्टार्टअप के लिए टैक्स छूट 31 मार्च 2023 तक बढ़ी
स्टार्टअप के लिए टैक्स छूट 31 मार्च 2023 तक बढ़ी
क्रिप्टो गिफ्ट करने पर भी लगेगा टैक्स
क्रिप्टो के ट्रांसफर पर भी टैक्स
क्रिप्टो गिफ्ट करने पर भी लगेगा टैक्स
LTCG पर सरचार्ज 15% तक सीमित
छाते पर कस्टम ड्यूटी बढ़कर 20%
इमिटेशन ज्वेलरी पर 400/किलो कस्टम ड्यूटी

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