Wednesday, February 28, 2024

How to Build Best Insurance Portfolio?

Step by step way of building insurance portfolio
How to Build Best Insurance Portfolio?
How to Build Best Insurance Portfolio? 

Creating an insurance portfolio requires perfect planning and an overall sense of self-need. The risk to everyone's life is not the same, because each of us has different assets and responsibilities.

The insurance portfolio should be built in such a way that in case of any untoward incident, the gaps in your financial position can be filled with insurance and the goals do not have to change. What should be possible? How about we investigate. 

Economic Thoughts of Mahatma Gandhi

Thoughts of Mahatma Gandhi
Economic Thoughts of Mahatma Gandhi
 Economic Thoughts of Mahatma Gandhi

The progress and development of any country depend on how much progress that country is making economically and industrially.

The progress and development of any country depend on how much progress that country is making economically and industrially. I am not well aware of their activities.

Mahatma Gandhi was a thinker of a high order. The world-famous scientist Albert Einstein is of the opinion about him that – “We are very fortunate and we should be grateful that God has given us such a shining contemporary man – he will serve as a beacon of light for future generations too.”

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Need to Rustic Development

Mahatma Gandhi expected to believe India to be autonomous. He believed that the soul of India resides in the villages, so his view was that 'village development is the primary requirement to take India on the path of development. Keeping this in mind, he gave top priority to the rural economy. In his view, the premise of this economy was 'upliftment of rustic life.  That is why, Gandhiji gave importance not to big industries, but to small industries (cottage industries), such as spinning yarn by charkha, weaving and processing flour, slicing rice and distributing rope, etc.

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In 'Hind Swaraj' he has strongly condemned the huge industries and mechanization. He did not consider the spinning wheel as a symbol of arrogance, but a symbol of the prestige of labor. It is necessary to create 'concentration of mind' in spinning the yarn on the spinning wheel. In the year 1923, he additionally established the 'All India Village Industries Association', whose basic objective was to upgrade domestic and rural industries.

Doctrine of Trusteeship

Gandhiji was not an economist by education, but he's thinking in this subject too is revolutionary. He said that to collect more than one's requirement means 'theft'. According to him, financial matters is an ethical science – "The motivation behind acquiring a man isn't just to get common joys, but to develop his moral and spiritual. " That is the explanation he maintained the character of mollifying use.

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He introduced the idea of ​​'trusteeship' for economic equality and curbing the indulgent ambitions of the capitalists. He believed that the capitalist was merely a trustee or custodian of social property. In fact, Gandhi's economic thought is 'socialism founded on moral ideals' or Ram Rajya.

Gandhiji believed that every citizen should earn his livelihood through physical exertion. He also taught 'physical labor' for intellectuals. Gandhiji called this thing 'the labor of bread'.

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Basic Education Plan

Gandhiji's approach to education was truly vocational. He was in favor of 'basic training'. He was of the opinion that in a poor country like India, learners should earn some money along with getting an education so that they can become self-reliant. For this purpose, he had prepared the 'Bardha-Shiksha-Plan'. With a view to making education profitable and cost-effective, in the year 1936, he founded the 'Indian Education Association'.

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Gandhiji's revolutionary thinking is still meaningful and exemplary. Based on their reasoning, solutions to many problems can be presented. We have no objection in saying that the life-philosophy of Gandhiji which has become available to the countrymen regarding the economic-industrial system of India, will always be useful.

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FAQ

What did Gandhi say about economics?

Mahatma Gandhi's economic philosophy revolved around simplicity, self-sufficiency, and a rejection of excessive materialism. He emphasized the importance of cottage industries, decentralized economies, and the upliftment of rural communities. Gandhi advocated for a holistic approach to economics that prioritized ethical values and the well-being of all individuals. His concept of "Sarvodaya" envisioned the welfare of the entire society, focusing on social justice and inclusive development. Gandhi believed that economic progress should not come at the expense of human dignity and environmental sustainability. His teachings continue to influence discussions on responsible and compassionate economic practices worldwide.

What was the role of Mahatma Gandhi in Indian economy?

Mahatma Gandhi played a transformative role in shaping India's economic landscape during its struggle for independence. He advocated for economic self-reliance, promoting cottage industries and rural development to empower local communities. Gandhi's vision sought to free India from economic dependence on foreign powers, emphasizing decentralized, village-based economies. His Salt March and campaigns against British economic exploitation became symbols of resistance. Gandhi's influence extended to post-independence policies, influencing leaders to prioritize inclusive growth. While not a formal economist, his ethical and sustainable economic principles left an enduring impact on India's economic philosophy, emphasizing justice, equality, and self-sufficiency.

What were the socioeconomic thoughts of Mahatma Gandhi?

Mahatma Gandhi's socioeconomic thoughts were rooted in principles of simplicity, self-reliance, and social justice. He envisioned a society where individuals embraced frugality and prioritized moral and ethical values over material pursuits. Gandhi advocated for the upliftment of the marginalized, focusing on rural development and the promotion of cottage industries to empower local communities. Rejecting the exploitative aspects of industrialization, he championed a decentralized economic model that harmonized with nature. Gandhi's vision, encapsulated in the concept of "Sarvodaya" (welfare for all), aimed at achieving holistic progress, eradicating poverty, and fostering equality, leaving a profound impact on India's socioeconomic fabric and inspiring similar movements globally.

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Economic Ideas of Mahatma Gandhiji - Are Gandhian economic thoughts relevant today? 

History of economic thought: Economic ideas of Mahatma Gandhi

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Tuesday, February 27, 2024

How to Buy The Insurance Plan, know what the insurance company has to do ?

Bought insurance, but do you know what an insurance company has to do before bringing it to market?
How to Buy The Insurance Plan, know what the insurance company has to do ?
How to Buy The Insurance Plan, know what the insurance company has to do?

Insurance is for managing risk. And the risk of life remains the same. Could we still think of the extreme two years ago today? What about the need for insurance to cover the huge cost of his treatment? But as soon as this risk came into our life, Kovid Kavach came to the market realizing its need.
In fact, the risk of life changes over time. The demand for new insurance is also created in the market. And in line with that, insurance companies also come to the market with new projects. Keeping your business profitable by keeping these projects relevant is not a straightforward task. This includes complex numerical calculations and, of course, obtaining the approval of the insurance regulator before they are released into the market.

This is the initial phase in making the task. 

 Before planning an insurance project, companies study the market in detail to understand the needs and shortcomings of the buyer. Different levels of surveys are run. The answers to the following questions are collected:

What products and offers are already available

What are the expectations of the buyers towards the new offer and how can they be fulfilled

Competing companies are offering similar products

How big is the market for new offers in terms of revenue and profit

Can this product change the pace of the market? If so, what impact will it have on buyers and the insurance industry?

Insurance is also a product to keep in mind. What's more, similar to any remaining items, its ultimate goal is to meet the needs of buyers. It’s true that if a project can touch buyer’s problem areas, it’s easier to sell. With the help of the information found in the survey, a project is created in such a way that it can meet the needs of the people.

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Market survey

This is the next step in creating an insurance plan. Insurance companies identify the various risks associated with projects. Again, while a project may be profitable for a number of people, it may not be useful for the association.   It is also necessary to review whether the project will survive. Wrapping up a plan hurts the feelings of the buyer or damages the insurance company's brand image. So comprehend.  Moreover, it takes a lot of time, labor, furthermore, cash to make new ventures. As a result, on the off chance that the venture isn't practical, its impact ultimately falls on revenue.

Price fixing

Once the risks of the product are understood, it is time to fix the price. This is one of the challenges that insurance companies face. In other businesses, the price of the product is determined based on the price of the material and the amount of profit. But when the insurance company first sells a project, its genuine cost isn't known. 

The actual price is known when all the claims of the policyholders are settled. So insurance companies estimate future risk trends based on historical data and set premiums and project prices. Nowadays, companies use advanced analytical techniques to calculate what might happen, furthermore, to decide the valuing technique.

Apply for IRDAI approval

Before launching any insurance product in the market by arranging the strategy, one has to apply for the approval of the Insurance Regulatory and Development Authority of India.

Keep in mind that this application has to be done in a specific format, in which everything related to the product needs to be explained.

From the general description to the characteristics of the project, for whom it is made, the way of delivery — everything has to be written in detail in this application. The regulator approves a project only if all criteria are met. After the approval of IRDAI, the marketing department of the insurance companies named the market to sell the project.

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Conclusion

Creating an insurance scheme is a complex process. There are a lot of internal and external issues that insurance companies have to think about before creating new projects and bringing them to market. External issues include digital supply, when, where, where insurance services will be available, etc. Internal issues include increased profits and the creation of a variety of supply routes.

Sunday, February 25, 2024

The list of rich players, only Virat got the place in the Indian player

The list of rich players, only Virat got the place in the Indian player

The list of rich players, only Virat got the place in the Indian player
The list of rich players, only Virat got the place in the Indian player

The world's famous magazine Forbes has released the list of rich players of the year 2020. In which for the second sequential year, Indian cricketer Virat Kohli has made his place among the highest-paid players. While tennis legend Roger Federer has secured the first position in this list. Virat's total annual earnings are $ 26 million i.e. 196 crores. The Indian cricket captain has been ranked 66th in the magazine's list of 100 richest players, while he was at the 100th position in the past.

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 List of top 10 players in the magazine

1. Roger Federer (tennis): $106.3 million

2. Cristiano Ronaldo (football): $105 million

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3. Lionel Messi (Football): $104 million

4. Neymar (football): $95.5 million

5. LeBron James (basketball): $88.2 million

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6. Stephen Curry (basketball): $74.4 million

7. Kevin Durant (basketball): $63.9 million

8. Tiger Woods (golf): $62.3 million

9. Kirk Cousins ​​(football): $60.5 million

10. Carson Wentz (football): $59.1 million

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On the basis of these places in the list

Forbes has released this list on the basis of prize money, salary, bonus, advertisement, royalty among other things received by the players from 1 June 2019 to 1 June 2020.

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FAQ

Who is No 1 rich man in cricket?

As of my last knowledge update in January 2022, it's important to note that the financial standings of individuals can change due to various factors, including investments, business ventures, and fluctuations in net worth. Therefore, it's recommended to check the most recent sources for the latest information on the wealthiest individuals in cricket. As of my last update, Mukesh Ambani, the owner of the Mumbai Indians IPL team and one of the richest individuals in India, was notably associated with cricket through his team ownership. However, it's essential to verify the latest rankings to determine the current No. 1 richest person in cricket.

Who is the 2nd richest cricketer in India?

As of my last update in January 2022, Sachin Tendulkar, often referred to as the "God of Cricket," was one of the wealthiest cricketers in India. Tendulkar's immense success on the field, coupled with lucrative endorsement deals and investments in various ventures, contributed to his substantial wealth. However, it's essential to verify the latest financial standings to determine the current second richest cricketer in India, as these rankings can fluctuate over time due to various factors such as investments, business ventures, and endorsements.

Who is richest Dhoni or Kohli?

As of my last knowledge update in January 2022, both MS Dhoni and Virat Kohli are among the wealthiest cricketers in India, but determining the exact rankings can be challenging due to factors such as endorsements, business ventures, and investments. MS Dhoni, the former captain of the Indian cricket team, has been associated with numerous endorsement deals and business ventures, including being the co-owner of the Chennai Super Kings in the Indian Premier League (IPL).

On the other hand, Virat Kohli, the former captain of the Indian cricket team, has been a prominent face in the cricketing world and a sought-after brand ambassador. His brand value has been significantly enhanced through endorsement deals with various companies.

To ascertain the current standings and determine who is the richest between Dhoni and Kohli, it's recommended to refer to the latest reports on their net worth and financial activities. These figures can change over time due to new contracts, business ventures, and fluctuations in the market. Keep in mind that the financial landscape of individuals can be dynamic, and accurate information may require recent sources for a precise answer.

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Tuesday, February 20, 2024

Know- what kind of problems are still happening after 4 year of GST

 4 years of GST, know- what kind of problems are still happening to traders, revealed in the survey
Know- what kind of problems are still happening after 4 year of GST
Know- what kind of problems are still happening after 4 year of GST

Today is the fourth year of the biggest tax reform GST (Goods and Services Tax) implemented by the Modi government. The tax reform by the Modi government at the Center changed many of the taxes levied by the Central and State Governments into 'single tax' GST, which currently has four slabs, 5%, 12%, 18%, and 28% for various businesses.

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Regular hassles and technical glitches in the implementation of GST have led to dissatisfaction among businessmen, which has resulted in problems among the people due to many intricacies of tax reforms.

In a survey conducted by Local Circle in 18,000 businesses spread across 171 districts of India, 28% of respondents expressed dissatisfaction with the tax system, while 43% said they were happy. 

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The main reason for dissatisfaction is spending more time on GST compliance vs. pre-GST taxation and most people are having trouble understanding, logging, furthermore, submitting data on the GSTN site.

Compared to pre-GST, 64% of businesses say their monthly accounting costs have increased after GST while 57% of businesses also say that invoice matching between input and output is their first issue with GST.

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The survey also found that 13% of businesses experienced "refund delay". The other 13%, however, issues of "separate list need for each separate state". 5% had a problem with "TCS and TDS". 12% of businesses had no opinion. The survey received 3,004 responses to this question. Invoice matching is an area where a business is matching its output invoices and applying for input tax credit payable.

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Meanwhile, many businesses have raised the issue of dependence on suppliers, whose delay in GST compliance affects the compliance of the entire supply chain. Over the last four years, many small businesses have also raised the structural issue of paying GST for their customer invoices, while it takes customers 3-6 months to pay the invoices to large companies or government bodies in many cases. . This leads to a cash crunch for small traders.

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FAQ

What are the problems faced by GST?

The Goods and Services Tax (GST), introduced as a transformative taxation system, faces several challenges in its implementation. One prominent issue is the complexity of compliance, with businesses grappling to navigate the intricate filing procedures and varying rates across states. Additionally, technological glitches in the GST Network (GSTN) have hindered smooth online filing, leading to delays and frustrations for taxpayers. The frequent changes in GST rates and regulations also contribute to uncertainty and administrative burdens. While GST aimed at simplifying the tax structure, these challenges underscore the need for continuous refinement to realize its full potential as a transparent and efficient tax regime.

What happens if GST return is not filed for 4 years?

Failing to file Goods and Services Tax (GST) returns for four consecutive years can result in severe consequences for businesses. The accumulation of unfiled returns may lead to hefty penalties and interest charges. Non-compliance may trigger legal actions, including the cancellation of GST registration, restricting businesses from availing input tax credit. Moreover, continued non-filing could lead to prosecution and imprisonment under GST laws. Businesses are strongly advised to adhere to the filing deadlines, as prolonged non-compliance not only jeopardizes financial stability but also invites punitive measures, hindering the smooth operation of enterprises in the long run.

What are the new changes in GST 2023?

As of my last knowledge update in January 2022, I don't have specific information on the changes in GST for the year 2023. The details of any new changes to the Goods and Services Tax (GST) system would be subject to government announcements, which I may not be aware of. To get the latest and accurate information on GST changes in 2023, I recommend checking official government sources, such as the official GST portal, government press releases, or consulting with a tax professional who can provide up-to-date and accurate details on any amendments or modifications to the GST system.

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Tuesday, February 6, 2024

How much money you can withdraw from Post Office Savings Scheme

 Post Office Savings Scheme: Change the rules of the Post Office Savings Scheme, find out how much money you can withdraw now
How much money you can withdraw from Post Office Savings Scheme
How much money you can withdraw from Post Office Savings Scheme

There is good news for those with an account at the post office. India Post has increased the withdrawal limit for its subscribers. With this change, India Post can compete with the rest of the banks and their savings planning schemes. Under the new rules of India Post, account holders can now withdraw up to Rs 20,000 a day at the Grameen Postal Service branch. Earlier, the withdrawal limit was Rs 50,000. India Post has said in its new guidelines that no branch or postmaster will accept cash deposits of more than Rs 50,000 a day. This means more than Rs 50,000 in cash can be transacted in one day.

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According to the new rules of India Post, it will be deposited or withdrawn through the Public Provident Fund, Senior Citizen Savings Scheme, Monthly Income Scheme, Kisan Bikash Patra, and National Check.

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There will be a fine for keeping less than Rs 500

Explain that 4% interest is paid on Post Office Savings Scheme. Account holders should know they must keep a minimum of Rs.500 in their Post Office Savings Scheme account. However, if the balance is less than Rs.500 / -, Rs.100 / - will be deducted as an account maintenance penalty.

List of Post Office Savings Schemes

5-year post office recurring deposit account

Post Office Fixed Deposit Account

Post Office Monthly Income Scheme Account

YOU MAY ALSO LIKE:  Post Office Time Deposit Scheme offers interest up to 5.5%

Senior Citizen Savings Scheme

15 years Public Provident Fund Account

Sukanya Samrudhi account

National Savings Certificate

Kisan Bikash Patra

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Interest rates are available on post office savings schemes

Post Office Savings Account: 4%

1-year TD account: 5.5%

2 year TD account: 5.5%

5-year TD account: 6.7%

5 year RD: 5.8%

Senior Citizen Savings Scheme: 7.4%

PPF: 7.1%

Kisan Bikash Patra: 9.9%

Sukanya Samridhi Account: 7.6%

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FAQ

How much money can be withdrawn from a post office savings account?

The Post Office Savings Account offers a secure avenue for individuals to save money, but withdrawal limits are crucial to understand. Generally, account holders can withdraw up to Rs. 25,000 in a single day from a post office savings account through withdrawal forms or cheques. However, if a withdrawal exceeds Rs. 10,000, it must be done through a cheque. Additionally, post office savings accounts come with a monthly withdrawal limit of Rs. 10,000 for branch and non-branch transactions. These limits ensure financial stability and discourage large cash transactions, aligning with the government's efforts to promote digital and accountable financial practices.

Is there a limit on cash withdrawals from the Post Office?

Yes, there are limits on cash withdrawals from Post Office Savings Accounts to ensure financial security and discourage illicit activities. Generally, account holders can withdraw up to Rs. 25,000 in a single day from a post office savings account. However, if the withdrawal exceeds Rs. 10,000, it must be done through a cheque. Additionally, there is a monthly withdrawal limit of Rs. 10,000 for branch and non-branch transactions. These limits aim to strike a balance between providing easy access to funds and preventing misuse, aligning with the broader financial regulations, and promoting responsible financial behavior.

How much can you withdraw from the Post Office in one day?

Post Office Savings Accounts provide a secure means of saving, but withdrawals are subject to specific limits. Typically, account holders can withdraw up to Rs. 25,000 in a single day from their Post Office Savings Account. However, if the withdrawal amount exceeds Rs. 10,000, it must be conducted through a cheque. Moreover, there is a monthly withdrawal limit of Rs. 10,000 for both branch and non-branch transactions. These withdrawal limits aim to ensure financial stability, curb excessive cash transactions, and align with regulatory measures promoting accountable and transparent financial practices within the Post Office banking system.

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post office time deposit, prematurity calculator, post office td prematurity withdrawal calculator

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Post Office Time Deposit Scheme offers interest up to 5.5%

Post Office Time Deposit Scheme offers interest up to 5.5% Also, that amount stays safe.
Post Office Time Deposit Scheme offers interest up to 5.5%
Post Office Time Deposit Scheme offers interest up to 5.5%

Post Office Savings Scheme: It is beneficial to invest in this post office scheme, the money will be doubled

Post Office Savings Scheme: There are many options for investing money today. However, investing is not easy. Sometimes investing without knowledge leads to losses. However, banks, insurance, and post offices are the best options for investing. 

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Where money is kept safe. Great interest is accessible. In case you are additionally considering contributing. Assuming they need cash to be protected, then, at that point mailing station is a decent alternative. Today we will educate you regarding some mailing station saving plans. Where your cash will be twofold.

1. Post Office Time Deposit

The post office time deposit scheme carries an interest rate of up to 5.5 percent. Post Office is offering 6.7% interest on 5 years investment in this scheme. By putting away cash at this loan cost, the cash will twofold in around 10 years.

2. Post Office Savings Account

Up to 4 percent interest is available on Post Office Savings Accounts. It will take a little longer to double the money if you invest in it.

RECOMMENDED POSTPost Office Time Deposit Scheme offers interest up to 5.5%

3. Post Office Recurring Deposit


At present, the interest of 5.8 percent is available on post office recurring deposits. In the event that you put resources into this plan, the sum will twofold in 12 years


4. Post Office Monthly Income Scheme

The post office monthly income scheme offers 6.6 percent interest.

Its Your Money Save
Its Your Money Save

5. Post Office Senior Citizen Savings Scheme

This is a good scheme for post office seniors. The scheme is offering 7.4 percent interest.

VIEW THIS: How you can get Rs. 20 Lakhs in the post office scheme?

6. Post Office Public Provident Fund

Post Office Public Provident Fund is getting 7.1 percent interest. Contributing going on like this will twofold the cash in around ten years.

Post Office Savings Scheme: It is beneficial to invest in this post office scheme, the money will be doubled Post Office Savings Scheme: There are many options for investing money today. Post Office Time Deposit The post office time deposit scheme carries an interest rate of up to 5. Post Office is offering 6. Post Office Savings Account Up to 4 percent interest is available on Post Office Savings Accounts. Post Office Recurring Deposit At present, the interest of 5. 8 percent is available on post office recurring deposits. Post Office Monthly Income Scheme The post office monthly income scheme offers 6. 6 percent interest.5. Post Office Senior Citizen Savings Scheme This is a good scheme for post office seniors. The scheme is offering 7.

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Post Office is offering 6. Post Office Monthly Income Scheme The post office monthly income scheme offers 6. Post Office Time Deposit The post office time deposit scheme carries an interest rate of up to 5. Post Office Savings Account Up to 4 percent interest is available on Post Office Savings Accounts. Post Office Recurring Deposit At present, the interest of 5.Post Post Office Savings Scheme: It is beneficial to invest in this post office scheme, the money will be doubled Post Office Savings Scheme: There are many options for investing money today. Post Office Senior Citizen Savings Scheme This is a good scheme for post office seniors. 8 percent is available on post office recurring deposits. The scheme is offering 7. 6 percent interest.5.

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Difference between mis and time deposit, post office interest rates 2023

Time deposit scheme full details in hindi।time deposit kaisa scheme hai।

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FAQ
Is Post Office Time Deposit Safe?

Guaranteed Returns: As a government-backed savings scheme, Post Office Fixed Deposit is the safest investment option and offers guaranteed returns.

What is the interest rate of post office fixed deposit?

Post Office Fixed Deposit Rate 2022

5.50% p.a. – 6.70% p.a. * If the account is closed within 6 to 12 months from the date of opening, the Post Office Savings Account rate will apply.

What is a 5-year post office deposit?

(i) 5 years from the date of opening (60 monthly deposits). (ii) The account can be extended for another 5 years by applying to the concerned post office. The interest rate applicable at the time of extension will be the interest rate at which the account was originally opened.

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Know-How Can You Keep Yourself Healthy After the 50s


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Deposit Scheme

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How to pick Mutual Funds From The Market

Selecting Mutual Funds to Outperform the Market
How to pick Mutual Funds From The Market
How to Pick Mutual Funds From The Market

With over 6,000 mutual funds available, it can be tempting to choose a fund from a popular star or index rating system. Intelligent investors balance many factors in their selection process. The rating only presents the historical performance of the fund and cannot predict the future. 

Performance consistency, management skills, and cost constraints are several factors that affect the likelihood of funding. Each needs to be carefully evaluated to improve your chances of finding funds for the market correction.

Make a plan

Set your financial goals. Are you saving for retirement? Leaving money for a home? Funding for a child's college education? Your answer will have a significant impact on your choice of mutual funds. More time lets you use invasive methods. Urgent need for security and capital protection. Cautiously think about your capacity to bear hazards.  If the market goes down, what time will you sleep? Is this a 5% drop? 10% drop? An asset allocation plan will balance your portfolio and give you the highest return for your acceptable level of risk.

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Cancel Recent Results

Past performance is not an indicator of future results. No true words can ever be said and they are included in every mutual fund advertisement. However, it's difficult to disregard these numbers,  which fund companies simply put in big bold letters - warns us right above the fine print. There is nothing more interesting than a great record fund especially because of its disappointing performance in the market.

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The past performance can give a good start, but nothing more. In fact, past performances predict losers more than winners. A 1998 study by fund-tracking agency Morningstar found that top fundraisers rarely have their place on the charts. The study also concluded that bottom actors rarely do anything but drown. Never think that the past will repeat itself, however, ignore a fund's historical record at your own risk. Avoid perennial necklaces.

Seek Continuity

Evaluate the performance of a mutual fund outside recent years. Any fund can get lucky, but it is a rare organization that proves itself year after year. Examining the long-term performance of a fund can answer the question of sustainability. If the presentation was acceptable, was it a repeat because of skill - or just a spike due to dumb luck?

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Look for a solid record of returns, but rather crap fits after the trend fund show of the big year. Compare the fund's earnings with a relevant benchmark index (large-cap vs. S&P 500, Russell Index small-cap, etc.). Solid funds will not only consistently beat the benchmark, but they also have to outperform their peers.

Find good managers

Always review the experience and performance of fund managers. At the point when you purchase a common asset, you are really putting resources into the experience, skill, and intelligence that the manager brings to the table. When the manager leaves, the fund's performance usually goes with him. For how many years has the manager been leading the fund? The longer (if it gives stronger results), the better. And take care of the gurus. The best managers in the industry are respected, highly regarded, what's more, regularly referred to in the press. You will find many articles published in popular articles and magazines and even manager profiles.

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Think cheap

See cost of ownership of funds. Although you cannot predict the performance of a fund, you can control the ongoing costs. Since cost affects your ability to grow your investments over time, choose a fund with a lower cost. Charge a 12B-1 fee to cover cost ratios, sales fees, trading costs, and marketing, dissemination, and deals. Everything counts against your bottom line - keep it as small as possible. When possible, choose funds that are priced below their category average.

Taxes are often overlooked and unless you invest in a tax-deferred, retirement account, your after-tax gains can be quite small. Avoid funds with large distributions (capital gains payouts) by looking for funds with low transactions. Since the purchase and sale of stock carry transaction costs, lower turnover translates to lower costs and lower capital gains tax. Fund managers who seek to increase returns through frequent security buying and selling are not your friends.

Put them all together


Choosing a mutual fund is a daunting task. You need to invest energy in learning,  researching, examining, analyzing, and comparing. It is important to develop your own perspective using some of the elements listed here, including your own judgment and decision-making ability. Review your investment plans and fund selection criteria at least once a year. Ensure the arrangement actually coordinates with your objectives and that the assets match your assumptions.

This is your money. This is your future. Take your time. Make it right.

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FAQ

How do I choose a money market mutual fund?

Choosing a money market mutual fund involves careful consideration of key factors. Start by assessing your investment goals, risk tolerance, and time horizon. Look for funds with a solid track record of stable returns and low expenses, as these directly impact your overall returns. Consider the fund's credit quality, diversification, and the issuer's reputation. Pay attention to the yield, but avoid chasing high returns at the expense of safety. Lastly, review the fund manager's expertise and experience. By conducting thorough research and aligning your preferences with the fund's features, you can select a money market mutual fund that suits your financial objectives and risk profile.

How do I choose the right mutual fund?

Selecting the right mutual fund requires a thoughtful approach based on your financial goals, risk tolerance, and investment horizon. Begin by identifying your objectives—whether it's long-term growth, income, or capital preservation. Assess the fund's past performance, looking for consistency and a proven track record. Understand the fund's investment strategy, asset allocation, and fees. Diversification is key, ensuring your investment is spread across different sectors or asset classes. Research the fund manager's expertise and tenure, as their decisions significantly impact returns. Lastly, stay informed about market trends and periodically review your investment strategy to ensure it aligns with your evolving financial goals.

How do I choose a new mutual fund?

Choosing a new mutual fund requires a thoughtful approach to align your investment with your financial goals. Start by defining your objectives and assessing risk tolerance. Research and compare funds, considering performance, expenses, and fund types. Examine the fund manager's track record for consistency. Understand fees, read the prospectus for detailed information, and diversify your investments for risk management. Remember that past performance doesn't guarantee future results. Consulting a financial advisor can provide personalized guidance. Regularly monitor your investments, adjusting them as needed based on your evolving financial situation and market conditions. Making informed decisions ensures a more strategic and tailored investment approach.

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Friday, February 2, 2024

How you can ensure The Child's Future? BEST MUTUAL FUNDS TO INVEST

Want to ensure the child's future? You can invest in these mutual funds
How you can ensure The Child's Future? BEST MUTUAL FUNDS TO INVEST
How you can ensure The Child's Future? BEST MUTUAL FUNDS TO INVEST

Bank interest rates have affected the growth of the middle class. There is an increasing trend to invest in mutual funds keeping in mind the financial security of the child in the future. So, if you invest money in some mutual funds, you will get the expected advantage, some of them have a low fortune.

SBI Magnum Children Benefit Fund: 

It is very safe to invest in this fund as it has a four-star rating. The fund has given a return of 25.5 percent in the past months. The rate is 12.5 percent in the last 6 months. This midsize drink is included in the list of hybrid funds.

VIEW THISPost office benefits

UTI CCF Investment Plan: 

The rate of return of this fund is 23.28 percent in the past 12month. The 6-month plan has given a return of 8.22 percent to the depositors. The majority of the fund's investments go into finance, automobile, and services, technology, and SMCG.

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Pet Assure Members receive an instant 25% discount on in-house medical services at participating veterinarians. All pets are eligible - no exclusions on type, breed, age or health condition of your pets - includes a 24/7 Lost Pet Recovery Service.

HDFC Children Fund:

 It is a four-star rating fund. In one year, it has given a 43.5 percent get back to the financial backers. Investors have been given 16.3 percent in 6 months. One percent of this fund is invested in stocks and the remaining percentage is in funds.

ALSO READEmergency funding is your best partner in your difficult time.

Axis Children Gift Fund:

 It is a three-star rating fund. The investor has given returns at the rate of 36.3 percent in one year. Investors have been given 13.3 percent in 6 months. Apart from financing automobile technology, the chemical sector also has investments. The fund holds 75% equity in the fund.


USRIDER - EQUESTRIAN ROADSIDE ASSISTANCE DEALS

US Rider is a 24/7 nationwide roadside assistance program for horse and livestock owners. US Rider membership covers loaded horse and livestock trailers while the majority of roadside assistance plans do not.

LIC MF Children Fund:

 This foundation is three-star. It has given 29.7 percent returns to investors in the last year. Depositors got 6.3 percent in 6 months. Apart from HDFC and ICICI Bank, the fund has also invested in Tata Consultancy Ltd. The fund has also invested in healthcare, consumer goods, finance, and tech sectors.

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However, investing in mutual funds is based on market uncertainties. THEMONEYLOOK.COM never asks the reader to invest in any fund. This ARTICLE has been published only to bring the news to the readers.

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FAQ

How to invest in my child's future?

Investing in your child's future is a crucial and thoughtful endeavour that goes beyond financial contributions. Start by fostering a love for learning through early education, exposing them to diverse experiences, and encouraging curiosity. Cultivate strong communication skills by engaging in open conversations and active listening. Financially, consider setting up a savings account or a college fund to ensure their educational needs are met. Invest time in teaching essential life skills, such as budgeting and problem-solving. Lastly, provide emotional support, building resilience and self-confidence. Ultimately, a well-rounded investment in education, skills, and emotional well-being will lay the foundation for your child's successful future.

Which is the best plan for child investment?

Selecting the best plan for child investment involves careful consideration of various factors. A popular choice is a 529 college savings plan, offering tax advantages for education expenses. Uniform Gift to Minors Act (UGMA) and Uniform Transfer to Minors Act (UTMA) accounts provide flexibility, allowing investments beyond education. Custodial accounts enable gifting assets to minors, but funds become accessible to the child at adulthood. Another option is a Roth IRA, offering tax-free withdrawals for qualified education expenses. Diversifying across these plans or consulting a financial advisor ensures a tailored approach, aligning with your financial goals and your child's future needs.

How do I set up a mutual fund for my child?

Setting up a mutual fund for your child involves a few straightforward steps. Begin by researching and selecting a suitable mutual fund based on your investment goals and risk tolerance. Open a custodial account, typically a Uniform Gift to Minors Act (UGMA) or Uniform Transfer to Minors Act (UTMA) account, with yourself as the custodian. Provide necessary identification and documentation for both you and your child. Once the account is established, contribute funds regularly, taking advantage of the power of compounding over time. Monitor and adjust the investment strategy as needed, ensuring it aligns with your child's financial objectives and long-term goals.

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VIDEO TUTORIALS

Best Investment Plan for Your child 2023

Best investment plan for your child 2023-24 | Best investment option for kids |

How to invest in funds for your child's better future? | Fund Ka Funda | ABP News

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