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Let us see some of the basic understanding before investing in mutual funds and stock markets. If the Indian Rupee's valuation goes down (say 80 Rs for 1 Dollar)., the global investment into India's stock market will go down and the NSE will fall (say to 5000). When the Indian Rupee goes down and US $ strenghtens, we must wait till the NSE bottoms out and then start to buy the stocks (good quality large cap stocks). While the Rupee goes down you must refrain from investing and after it hits the rock bottom and starts to strenghten you must buy NSE. If the US $ is strong, you can buy IT stocks. If the US $ weakens, the global stock markets will fall and this may not be a good time to invest in stocks. You must wait until you see good upward trend in the US $ which is dependent on the US jobs/manufacturing data. If the US $ weakens, you can invest in GOLD. If the Inflation in India is high, the banks will reconsider the interest rates and the banks will be force...

I have spent over 2 decades watching tamil, english and hindi films. I was quite used to the ways those films were made. A movie with hero-heroines, families, dance, stunts, drama, love etc. Ever since 2010 I started watching world movies. Japanese, Swedish, Polish, German, Italian, Parsian, French etc. I have started to feel cinema in a totally new dimension. My perspective of movies changed totally. The first movie I watched the academy award winning Italian film "Life is Beautiful" by Roberto Benigni. I was awestruck by the simplicity of the movie. Although it was simple, the impat it brought was amazing. I then became a fan of Majid Majidi's Iranian films. Simple, Colorful, Free flowing type movie they were. Jafar Panahi's out of the box thinking for Iranians caught my attention. Ingmar Bergman's characters, the true human feelings were shown in his films. Vittorio De Sica's "The Bicycle thief" is my favorite movie. Akira Kurosawa's mov...

When is the last time you enjoyed watching a sport? Have you seen any team that plays with passion, sincerity, atmost dedication and pride. Have you seen any group that considers sport more than their life? Have you watched any club that plays its sport like a well directed movie, like a breathtaking song, like a rythmic music, like a dream? Well there's FC Barcelona for you... I have been a Barca fan since 2010, ever sinc I started watching club level football. Until then I have been watching country level football which goes back from 1998. Both counter and club combined, I have never been in awe of wathcing any team play its sport such magnificently like the way Barca do. I am a fan of Germany International football team since 1998, but I understood football only after watching Barca play. Barca's philosophy is playing the sport like school kids, with atmost dedication and passion. There's no room for any stars or fashion. They play it like their life by applyi...

LIC has been in the insurance field over the last 60 years providing life insurance for over 30 crore customers in India. They have been coming up with schemes according to the taste and trend. They have been the primary investment provider to the Govt of India on various development projects. A look into why they have been the best when compared to their competitors., Asset.They have huge assets with them. Over 30 crore customers have taken LIC policy making them the biggest asset holder in the country. Brand. A Govt organization which is truly rely on their words everyone can believe in. Trustworthy. Returns. They provide 6.5-7% guaranteed returns on schemes running over 20-25 years which is not possible by any other insurer. banks themselves rely on continuous monetary policy adopted by RBI and frequently change their interest rates. Banks that provided 9-9.5% interest rates a decade ago now offer only 7% whereas LIC assured guaranteed returns. Claim settlement. Policies ...

Many of the past leaders had talked about the Mission 2020 -  A fully developed nation. As we are just 3 years away from that milestone, have we really progressed towards that and is it possible to achieve that within the balance term available? We have voted for a change, for a better India. We invested our faith on BJP and believed in Modi. Around 3 years have passed by. Did we get what we dreamt of? What we got so far : Rural areas have been connected with Internet. Service providers like Airtel, Reliance have increased their traffic and networks are now available in rural areas. The Telecom sector which was beaten down over the last decade has improved significantly in the last 3 years. LPG subsidy has been waived by 1 crore people enabling poor and needy to get the benefits. Clean India movement has started enabling fellow citizens to feel the necessity of having a clean India. Bank Accounts for all. Even the poor has opened bank accounts making them feel...

This post explains my experience on entry tinto the indian stock markets. This can guide you in a way to avoid the frequently committed mistakes when one enters into the big bash of trading. The trap I fell into was looking into the past trends of stocks (say a year) and their returns. Most of the stocks were penny stocks which yielded around 200% returns in the last 1 year but they were purely operator driven. When entering into stock market investing you should do more research on the current events. Especially the US currency and US stock markets which drive the globals stock trend. After that you should look for large cap stocks (say asset with 50000 crore Rs). Banks and Pharma stocks can be bought initially since these 2 sectors favorable offer good returns if invested for 1-2 years. Don't fall into the trap of making quick money and invest in penny stocks (say asset with 30-500 crores). These will be company/oprator driven and wont give you a favorable return. If ...

Having a financially balanced life may seem more difficult these days due to inflation and the living cost having gone northwards. However everybody wants a peaceful balanced life. We can follow the below technique towards achieving that. We ought to save around 40% of our total income towards achieving a financially balanced life. For example, if a person earns 1 lakh per month below is the breakup., 5% of savings towards health insurance                 - Rs. 5000  per month 5% of savings towards life   insurance                 - Rs. 5000  per month 5% of savings towards mutual funds                     - Rs. 5000  per month 5% of savings towards stock markets                   - Rs. 5000  per month 5% of savings towards GOLD             ...

In this fast moving world, where people often tend to follow an unhealthy lifestyle, end up with issues which need medical intervention. The places which are highly crowded these days are hospitals and pharmacies. They become addicted to tablets. In this unfriendly environment bound to unexpected events, we might need a plan to take care of our medical expenses. Taking a Health insurance policy (preferably with the New India Assurance company) might offer a better solution. By taking a health insurance policy for around 5-10 lacs sum assured will save our family from unwanted threats. Just in case if we or any of our family member falls sick and needs medical treatment for more than a day @ hospital, this policy can save the purpose. We dont need to arrange for a huge sum in a short span of time thereby avoiding debt. Securing our family's health should be the first step in any activity of savings. Around 10% of the savings amount should be targeted towards buying a healt...

Before going any further about explaining/justifying the post title, let me give you an example. The experience of me. Like everybody I too wanted to make quick money and opened a stock market account. I was a die hard follower of moneycontrol.com and CNBC TV18 News channel. I did tremendous research of all the Top companies and studied their stock performance. But despite all those efforts I fell into the trap of making quick money instead of thinking about long time investment. I bought penny stocks a lot and failed to make money. Eventually I lost close to Rs. 1 lakh despite having invested Rs. 10 lacs into a numerous number of stocks. It was later that I realized that only 20% of the savings amount has to be used for stock markets. Moreover they have to be invested in large cap stocks which give a steady performance along with good profits that the company makes every quarter. Remaining 80% has to be placd in mutual funds, Bank Fixed Deposits, Post office schemes, Bank Recu...

Modern day life has various needs such as a house to live in, a car to travel, jewels to wear, luxury to enjoy. We are in a competitive world for which we are supposed to provide quality education to our kids, to have a healthy lifestyle. Each of them needs money. We are forced to spend around 75% of our income for all these necessities. We often avail loans to meet those needs. In that process we tend to forget savings, general and life insurance. Savings is an important aspect to lead a healthy life. In these turbulent and unexpected environment, periodic and regular savings is important to lead a balanced life. Every small amount we save today will have a major impact in our future. Savings coupled with life insurance will pave way for a peaceful future. Why LIC is important? Since we avail as many loans as possible like housing, education, car loans we are aware that we are in a considerable amount of debt. Just in case if something unexpected event like major injury/li...

Imagine you’ve taken a housing loan for Rs. 35 lacs, a personal loan for Rs. 15 lacs and a car loan for Rs. 5 lacs. These days, taking loans have become a custom to meet our needs especially having a car, designed homes and a rich lifestyle has become a trend. We want ourselves to be projected as a one enjoying all the healthy patterns of the 21st century. We need all the benefits of it. In order to cope up with this lifestyle we spend a lot (around Rs. 50k every month on loans) and these days both you and your pattern work 40 hours a week to enjoy all these luxury. Imagine if something happens to us, something dangerous or an unwanted injury/threat to life. Our family’s total rythm will be in trouble. If you have properly planned by investing in LIC, our life and our family’s future would have been safeguarded. Taking an LIC policy for Rs. 30-50 Lacs would have saved us. Also we can plan now by investing in LIC to avoid tax whilst planning for our future (old life), plan fo...