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FATCA updation

Posted by VRIDHI on 18/07/2016

Attention VRIDHI Investors and future VRIDHI Investors

As per the latest circular, the folios of all those who still have not updated the FATCA details may get Auto-Redeemed.

Kindly update details immediately, you can do it online, details here in Table.1: https://vridhi.co.in/mf-online/

Update all: ‘CAMS Fatca’ ‘Karvy Fatca’ ‘FT Fatca’ ‘Sun Fatca’

In case you are not able to do it, please take prints sign and send them to VRIDHI office immediately.

Call us in case of doubts

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Must Read

Posted by VRIDHI on 26/03/2016

Few thoughts specially written for Technology/Software Industry Professionals and Doctors who Save Lives of others*

Techies: Click Here      Doctors: Click Here

*Don’t read the above articles in case you Don’t Love your Money.

Posted in B. Financial Planning | 1 Comment »

Email Groups

Posted by VRIDHI on 24/03/2016

In order to make ‘Targeted Communication Easy’ we at VRIDHI have launched Email Groups which you can immediately subscribe to and stay connected. All important communications will be sent through these groups and hence don’t miss joining. All are Junk Free Groups.

1. VRIDHI Clients only: https://groups.google.com/forum/#!forum/VRIDHI

2. VRIDHI Clients and Non Clients: https://groups.yahoo.com/neo/groups/InvestorTalks/info

3. SWC Investors only: https://groups.google.com/forum/#!forum/vridhiswc Click Here for more info.

4. MarketFastFood paid group: https://groups.google.com/forum/#!forum/MarketFastFood Click Here for more info

If you are an existing family member of VRIDHI immediately join the groups applicable to you.

Also subscribe for email alerts by entering your mail id on left side of this website.

Those not having any formal relationship with VRIDHI can join group No.2 only.

For further details: https://vridhi.co.in/contact-us/

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Equity Account Logins

Posted by VRIDHI on 16/02/2016

The backend software of the Equity Account has been upgraded.

On Left of the screen you have Equity Account Old and Equity Account New

Login of Old remains same, for New login, the UN & PW is your client ID: 83XXX***** in Caps.

In case of queries:

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VRIDHI Connect

Posted by VRIDHI on 23/05/2015

VRIDHI services Indians residing across the world!

You need not worry about Geographical Location to avail our services!

For E-Mail Alerts Subscription: See on Left of your Screen

   

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SWC

Posted by VRIDHI on 14/04/2015

Want to Invest Systematically and Create Wealth?

Choose SWC Plan, Invest in Stocks or MFs

Click Here for the details

Participate in the India Growth Story with as low as Rs.500/- a month!

Posted in Notices/Announcements | 2 Comments »

Plan Today

Posted by VRIDHI on 18/06/2014

Want to fulfil all your Dreams? Love your Family?

Want your Family to be Happy With u & After u?

is what you require! Click Here

*Kindly ignore, in case you don’t Love your Family!

Posted in B. Financial Planning | Leave a Comment »

Choosing between fixed-income and market-linked investment avenues

Posted by VRIDHI on 23/06/2016

Sunil Dhawan, Economic Times, 20/6/2016, source: http://economictimes.indiatimes.com/your-money/choosing-between-fixed-income-and-market-linked-investment-avenues/tomorrowmakersshow/52829574.cms

As an investor, one always wishes for the best returns from investments without any risk of losing money. However, it is common knowledge that there doesn’t exist any such investment product. In reality, risk and returns are inversely related, i.e. with more risk come higher returns and vice versa.
The decision to choose between the two is fairly simple. For a goal that is still a few years away, the reason to take risk might still exist while for goals

that need attention within a few months or years, it could really be a risky venture.
For investors, the choice between fixed-income investments and market-linked investments becomes more pronounced when it comes to meeting goals. Let’s see what they are and how different investment avenues may be put to use while chasing goals.
Fixed-income investments: Interest-bearing investments such as bank fixed deposits, company deposits, post office small savings

products and bonds are popular among fixed-income investors. They come with a fixed return and a pre-decided maturity period. They, therefore, belong to the debt-asset class. According to Vivek Karwa, Certified Financial Planner, Investment Adviser & Portfolio Manager, "You should be investing in these only when the requirement is fixed and certain in the near future since you need a sure shot cash flow and can’t risk any volatility."

The principal amount invested is fairly safe in such products. They, however, fail to generate high real returns, i.e. returns adjusted to inflation are low in such fixed-income investments. For example, if the return generated from them is 7 per cent while inflation is 6 per cent, the real return will be around 1 per cent. At the most, such instruments help in preserving capital and providing a regular flow of funds to meet monthly household requirements.

Market-linked investments: When returns depend on the performance of the underlying asset, which could be equity or debt, it is the case of market-linked investment. Returns, therefore, are neither fixed nor assured. Equity shares, mutual funds, Ulips, NPS are all examples of market-linked investments. As they are high-risk products, the potential to generate high return is also there.

Role of market-linked investments: As fixed income investments generate low real returns, it is imperative for an investor to look at equities. Karwa says, "In case you are young and have no responsibilities in the near future and can afford risk taking, then investing in fixed income securities will not take you anywhere. Keep in mind that post taxation you may not even beat the inflation."

Market-linked investments, especially those made in equities as the underlying asset class, are more likely to deliver high real returns. For this to happen, the holding period of equity should be long enough to ease out the volatility associated with equity. The more away the goal to be achieved is, the more reliance can be placed on equity-backed investments. Karwa says,

"Every product has its own cycle with its underlying factors changing. Proper investing based on time cycle and risk can help you beat inflation and give you real growth. If you have a horizon of 3+ years, then go with market-linked products. You will surely require some expert advice here." Be it one’s child education, marriage or one’s own retirement, equity plays an important role in creating a decent corpus even with smaller amount of regular savings.

Taxation: While choosing an investment product, taxability of the specific investment is equally important. The interest income from most fixed-income investments such as bank deposits, post office time deposits, NSC, KVP and bonds is fully taxable as per the income tax slab of the individual. The post-tax return from them therefore is much less than what they offer. Although interest is taxable, the 5-year tax-saving bank fixed deposit and post office 5-year time deposit qualify for tax deduction under section 80C of the Income Tax Act, 1961. PPF and tax-free bonds yield tax-free return while the former also gets tax advantage under section 80C.

Equity-oriented investments such as equity mutual funds, Ulips and NPS are more tax-friendly. The gains after holding them for a longer duration are tax-free except in NPS wherein it is partially taxable. Equity-linked savings scheme (ELSS), a variant of equity mutual fund, provides exposure to equities, gives tax-exempt return and even helps in reducing one’s tax liability under section 80C. Ulips offer similar benefits and in addition, provide protection through life insurance.

Conclusion: For an investor chasing long-term goals, it is important to make the best use of both the worlds. Both fixed-income and market-linked investments have a role to plan in the process of wealth creation. While market-linked investments help in navigating the volatility and in the process generate high real return, the fixed income investments help in preserving the accumulated wealth so as to meet the desired goal. In times when interest rate is on the down side, choosing between fixed and market-linked investment avenues should not be so difficult.

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Rexit… a term coined by Desperados.

Posted by VRIDHI on 20/06/2016

The Posts under the category ‘VIVEK Speaks’ are personal views of Mr. Vivek Karwa. You are ‘Free’ to agree with the views or totally disagree with them. VRIDHI as an organisation may or may not subscribe to them.

***

The whole market was focussing on Brexit and suddenly the letter of RBI governor Mr. Raghuram Rajan mentioning ‘he would not accept a second term’ became public and the hell broke loose.

The narrative was again a well planned one. It aimed at creating total hype. It almost made everyone go bonkers making them believe that it is end of India!

Before going further let me be very clear that R3 has been a great governor, no second thoughts on that. But as said, the narrative was again a well planned by those who are totally desperate being out of business after this government took office. Other examples of twisted narratives are of Tolerance debate, Hyderabad university and few others. Well I don’t want to make it totally political hence let’s stick to R3.

Actually the fact is that these desperados are not supporting R3, they are just shooting at India’s PM Narendra Modi using R3’s shoulders. I remember the song ‘kahin pe nigahen kahin pe nishana’ https://www.youtube.com/watch?v=PoHnHnB4_js

The so called news makers informed the unknowledgeable public two things:

1. Government fires Raghuram Rajan.

2. R3 resigns.

None of the two are correct. A term of RBI governor is of 5 years. R3 was given only 3 years term by earlier govt. (why?) His term is coming to an end on Sep’2016 and has said will not seek extension, nothing more nothing less. Government has Not Fired him, nor has R3 resigned.

No Individual can be supreme in any country or organisation. People will come and people will go but the country and the organisation will remain. Yes agreed a person can build a country/org or destroy it, hence they are also important, but cannot be placed above everything else when the time’s up.

Take any good leader… Gandhi’ji, Narasimha Rao, Modi, Raghuram Rajan, Narayana Murthy, Ratan Tata, cannot be permanent and will be replaced, may be with better person when the time arrives.

Idea here, as said above was to target Modi govt, they were successful too, making people believe that government is sending out a good person. Those who believed in this news, I can bet 90% won’t even know what good work R3 did.

They even said that Sensex would tank 500 points on Monday (today) on this news and millions of Dollars will fly out. Idea was just to scare people so that they turn against the govt.

When I on my Facebook page said, nothing of this sort will happen: (https://www.facebook.com/vkarwa) some people started calling names and said people like me are Bhakts (again a term coined by these desperados). I even had to block a person for abusing.

Talking facts and figures has become a crime. When they cannot counter you on facts they abuse! It’s Modiphobia disease they are suffering with.

Sensex opened around –200 and didn’t stay in Red even for 30 minutes and has closed +241 points.

I’am just wondering what would have happened, in case for some other reason Sensex would have closed in negative, and what would have been the narrative had R3 been a non Hindu.

By doing all this, these intellectuals are only insulting R3 for his good work to the Indian economy. I just hope govt. gains some extra sense and offers R3 an extension. That would be the most tight slap for these people. Anyways it’s government prerogative. Who ever assumes office in Sep, the present policies of RBI will continue. As an investor we need not worry and please don’t listen to the nonsense these people are talking. Let your investments continue and let your SIP’s continue.

Finally its Modi who is answerable to us, he has to deliver and as a leader of the present day, he can and should choose what is right for the country. If something goes real bad, I will be the first person to write against it.

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In case you are viewing this page on Mobile, scroll to the bottom and click ‘View Full Site’ and then look on left. 

Thanks

Vivek Karwa

***

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Why create emergency fund before starting to invest?

Posted by VRIDHI on 30/05/2016

By Sunil Dhawan, 30/5/16, Economic Times

Source: http://economictimes.indiatimes.com/why-create-emergency-fund-before-starting-to-invest/tomorrowmakersshow/52501654.cms

One of the few initial steps in the financial planning process involves taking care of unforeseen risks. Besides getting protected through health and life insurance, one needs to create a corpus so as to meet any other financial risk. Unless one has a proper emergency fund in place, starting to invest for long-term goals may be futile. Let’s see why and how to create such an emergency fund.

Why create an emergency fund: As the name suggests, emergency situations arrive uninformed and also need immediate action. There could be a setback to one’s earning capacity due to a temporary disability or there could be job-loss running into a few months. Even a medical emergency may crop up at a time when the claim is taking time for settlement or the ailment itself may have a waiting period. In all such cases, one may have to arrange funds to tide over the situation. Whether it’s meeting the household expenses for over a month or honouring commitment towards loan EMIs, certain cash outflows are sacrosanct.

Emergency fund is not for meeting your planned goals, but only to act as a safety net.

The cost of not maintaining emergency fund: In the absence of an emergency fund, one may have to either borrow from friends, relatives or take a personal loan and service it by paying interest. If the requirement is huge, one may even have to pledge gold to tide over the situation. If none of these work, one is left with no other option but to break one’s existing investments. Doing this, one not only jeopardizes the long-term goals for which the funds were earmarked, but also dents the power of compounding.

How much fund?: Although, there’s no fixed rule as to how much of emergency cash one needs, but as a thumb rule, three to six months’ household expenses can be one’s emergency fund. The amount should give you the confidence to combat financial emergencies in your household. Vivek Karwa, Investment Advisor & Wealth Creator, VRIDHI.co.in, has an interesting observation. According to him, "Instead of following the rule blindly, consider your work profile and the insurance cover you have. If your job is very safe and you are amply covered with health and disability cover, then it would be fine if you hold just a month’s expense as emergency fund. In extra ordinary situations your existing investments may come to rescue. If you are not in a safe job, then holding six months’ money is also ideal. Whatever said and done, get a health insurance cover since that’s one biggest factor."

Where to park the emergency savings: As the requirement to access the funds may arise anytime, park the funds earmarked for emergency needs in liquid assets. For better management, one may keep half of the fund requirement in savings account or a sweep-in fixed deposit while other half can be put in short term or liquid mutual funds. A liquid mutual fund invests in debt instruments such as treasury bills, commercial paper and call money market that have short maturities. The returns are therefore stable and less volatile. Their objective is to preserve the capital, have liquidity and a decent tax-efficient return especially after three years of holding it.

How to build emergency fund corpus: There are two ways to go about creating such a fund. In the first approach, somehow manage to earmark the necessary amount equal to six months of expenses towards emergency funding. This would mean cutting down on some discretionary expenses till the time adequate buffer is created. The other way is not to be so aggressive in the approach, rather start putting aside regular contributions from one’s take-home pay towards such an emergency fund. The idea is to build up such an emergency fund soon so that other goals of life are taken care of early. Karwa says, "If you are looking at investments which are risky and also have lock-ins, then it’s advised strictly to first create an emergency corpus and then invest since you will have no access to your own wealth if the need occurs before the lock-in period gets over. In other cases, you can very well go simultaneously."

Conclusion: Youngsters may need to consider creating such a fund more seriously. As one grows up, liabilities increase, situations change and therefore addressing the concern of dealing with emergencies might take a back seat. And, once you feel confident of its adequacy, avoid any temptation to dip into it, to gift your spouse that new gadget.

(Readers are advised to consult their tax advisor for detailed advice.)

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Report Card of Central Govt

Posted by VRIDHI on 26/05/2016

Below are few numbers compiled by Wall Street Journal to show case the hits and misses of Narendra Modi led government.

MeraDeshBadalRaha, TransformingIndia, Modi Government Two Years Performance, Narendra Modi

Posted in Economic Dossier | Leave a Comment »

 
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