thanksinvestor

Is NPS really good for investment!!!! What is NPS? It is National Pension Saving scheme introduced by govt …. The rules are so complex beyond the understanding of common man. After communicating many people I got to know they only invest in this because Govt is sponsoring this …. If at all NPS invests in Stocks since Govt sponsoring this , so it might be safe and guaranteed to invest  in this J --- Many people thinks, who stay away from mutual funds because it is stock market dependent :D Let me tell you NPS will not provide annuity . The aim of NPS is to provide you corpus. you need to buy one from the insurer’s . The lists are as here NPS is not giving you any guaranteed returns like EPF or PPF. NPS is like a mutual fund and carries all the risk like a mutual fund carries. 80% will be annuitized if you retire before   60 (after Budget 2016, 40% is tax free withdrawal, 80% of remaining corpus has to be annuitized official confirmation awaited).  This ...

The movie one idiot that i watched around 3-4 years back and again watched today on you tube .. This movie inspired me a lot about understanding the value and definition of money in real terms.. This movie will be again telecasted on  CNN-IBN coming Saturday, 27 th  February at 5pm. If you miss to watch then also you can watch again on Sunday, 6 th  March at 4pm in the same CNN-IBN. We are today living in a consumerism world where everybody will tell you to how to spend your money. How to split money than SIP (Systematic Investment Plan) Below line Muthu told in his blog for this movie i am just extracting .. i loved these lines personally  " We pointlessly give too much attention to consumerism. We spend needlessly to look more affluent than we are. If we are caught saving we are somehow not part of the ‘in’ crowd. My film is a morality tale based on the 5,000-year old principle of ‘jitni chaadar utni pair phelana’ (stretch your legs...

I read this article 3 months back in money life in a lighter note and thought the situation might not be so bad. After seeing the current quarter results of banks, now I think I must have written this blog long back. If few investor read this blog 3-4 months back , they would not have lost their hard earned money by investing in banks at peak!!!  It really happened to each and every bank is now and they are giving true picture of NPA after RBI come with a stick. The banking sector growth (PAT) had been declined by 14.1% as per RBI Financial Stability Report (Issue No 11, June 2015) Extracted From PWC Banking Analysis. CDR is there for 15 years and it has been provided for banks to distress their loan account taking into account genuine cases. Suppose I took loan 10 crore from bank and now I don’t have money then bank may give 15 years to repay. What will happen if I will not have a genuine will to repay after agreeing with bank and suppose my income will vanish a...

As we know the current Govt has been trying hard to push for reforms  but we are least aware what are they . Just thought of highlighting those.Hopefully all of the reforms will be completed very soon amicably ..... S.No Reform Name Status How Difficult For Govt to pass More Info 1 Direct Benefit Transfer In Progress High The government is pushing for this reform, but progress depends on state capacity and commitment. 2 Allow More than 50% FDI in Insurance In Progress High Parliament on 3/12/2015 approved amendments to India’s Insurance Act that increase the FDI cap from 26% to 49%. 3 GST Incomplete High The Lok Sabha passed the GST Bill (122nd Constitutional Amendment) on 5/6/15, but the legislation is stalled in the Rajya Sabha. 4 Deregulate Kerosene Price Incomplete ...