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As we have always said in our
communications that Equity is great wealth
building product if you can manage your fear
& greed ! It simply means , buy right and sit
tight
The monthly newsletter by seeman fiintouch LLP JULY 2022.pdf.pdfAshis Kumar Dey
- GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and leakages have been plugged.
- The Sensex and Nifty logged their highest July return in 23 years, gaining 8.58% and 8.73% respectively. As many as 20 equity funds delivered over 10% returns in July.
- SIP remains an important investment tool for rupee cost averaging and managing volatility, with advantages like controlling emotions, benefiting from market dips, and disciplined investing.
Doubleplus_Finserve_Newsletter_July_22.pdfBhavesh Shah
1) GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and GST leakages have been plugged.
2) The stock market had its best July in 23 years, with the Sensex and Nifty gaining 8.58% and 8.73% respectively. 20 equity funds delivered over 10% returns in July.
3) The newsletter recommends staying invested in equity funds for good opportunities in banking and consumption sectors according to one's risk appetite, and emphasizes that SIP is important for achieving financial goals.
This newsletter provides information on personal finance topics such as equity investment, mutual funds, and market indicators. It discusses how equity investment can build significant wealth over the long run compared to other asset classes. It highlights that individual investors now hold a higher share of mutual fund industry assets. The newsletter also profiles an inspiring story of a retired investor who chose mutual funds for monthly income instead of fixed deposits and has seen growth in his investment value. Overall the newsletter aims to educate readers on appropriate investment behaviors and strategies.
- The domestic equity market has continued its bull run from April 2021, with the Nifty rising from 14,867 to 15,763 over this period. Surprisingly, FIIs have been net sellers over these months while domestic mutual funds have purchased shares to sustain the market.
- Experts suggest the equity market rally will continue but with some consolidation. Investors should choose an appropriate asset allocation strategy and book some profits from equity schemes to lower costs and invest in dynamic allocation funds.
- The newsletter profiles the story of Mr. Murty who invested Rs. 50,000 per month via SIP and accumulated Rs. 1.68 crore over 10 years. He has opted to invest this corpus in dynamic allocation funds
The document discusses the performance of Indian stock markets and debt markets. It mentions that stock indices Nifty and Sensex are maintaining bullish momentum. Domestic fund managers are regularly buying equities due to high liquidity in the market. Debt markets are also performing well due to upgrades in corporate debt ratings. As a result, hybrid and dynamic allocation funds have outperformed many equity funds in recent months. The document cautions investors to be careful during bull markets to avoid high risk investments.
As we have always said in our
communications that Equity is great wealth
building product if you can manage your fear
& greed ! It simply means , buy right and sit
tight
The monthly newsletter by seeman fiintouch LLP JULY 2022.pdf.pdfAshis Kumar Dey
- GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and leakages have been plugged.
- The Sensex and Nifty logged their highest July return in 23 years, gaining 8.58% and 8.73% respectively. As many as 20 equity funds delivered over 10% returns in July.
- SIP remains an important investment tool for rupee cost averaging and managing volatility, with advantages like controlling emotions, benefiting from market dips, and disciplined investing.
Doubleplus_Finserve_Newsletter_July_22.pdfBhavesh Shah
1) GST collection in July 2022 was Rs. 1.49 lakh crore, a 28% increase over the same month last year. Experts say economic activities have stabilized and GST leakages have been plugged.
2) The stock market had its best July in 23 years, with the Sensex and Nifty gaining 8.58% and 8.73% respectively. 20 equity funds delivered over 10% returns in July.
3) The newsletter recommends staying invested in equity funds for good opportunities in banking and consumption sectors according to one's risk appetite, and emphasizes that SIP is important for achieving financial goals.
This newsletter provides information on personal finance topics such as equity investment, mutual funds, and market indicators. It discusses how equity investment can build significant wealth over the long run compared to other asset classes. It highlights that individual investors now hold a higher share of mutual fund industry assets. The newsletter also profiles an inspiring story of a retired investor who chose mutual funds for monthly income instead of fixed deposits and has seen growth in his investment value. Overall the newsletter aims to educate readers on appropriate investment behaviors and strategies.
- The domestic equity market has continued its bull run from April 2021, with the Nifty rising from 14,867 to 15,763 over this period. Surprisingly, FIIs have been net sellers over these months while domestic mutual funds have purchased shares to sustain the market.
- Experts suggest the equity market rally will continue but with some consolidation. Investors should choose an appropriate asset allocation strategy and book some profits from equity schemes to lower costs and invest in dynamic allocation funds.
- The newsletter profiles the story of Mr. Murty who invested Rs. 50,000 per month via SIP and accumulated Rs. 1.68 crore over 10 years. He has opted to invest this corpus in dynamic allocation funds
The document discusses the performance of Indian stock markets and debt markets. It mentions that stock indices Nifty and Sensex are maintaining bullish momentum. Domestic fund managers are regularly buying equities due to high liquidity in the market. Debt markets are also performing well due to upgrades in corporate debt ratings. As a result, hybrid and dynamic allocation funds have outperformed many equity funds in recent months. The document cautions investors to be careful during bull markets to avoid high risk investments.
- The equity market in India is continuously rising since April 2021, though FIIs have been net negative sellers over this period. Domestic mutual funds have been net buyers and supported the market.
- Experts suggest the bull run will continue but some consolidation is possible. Investors should book partial profits and rebalance portfolios with a focus on banking, infrastructure and IT sectors using flexible equity and dynamic allocation funds.
- The newsletter discusses an inspiring case study of an investor who created a retirement corpus of Rs. 1.68 crores through monthly SIPs over 10 years and has now opted to receive monthly payments through a dynamic allocation fund.
SIP is like a 'GULLAK' for all your future
Financial Goals and requirements. It is very
important for you to list down all your
financial targets properly at one place after
taking inflation into consideration.
The document is a newsletter providing information on investments. It includes sections on investment advice, market indicators like fund performance and equity market charts, and an inspiring savings story. The story profiles a retired investor named Mr. Ramchandra Murthy who chose to invest his retirement proceeds in dynamic asset allocation mutual funds instead of fixed deposits, in order to generate monthly income while benefiting from potential capital appreciation, liquidity, and tax efficiency. After 4 years of withdrawing Rs. 25,000 per month, his total investment of Rs. 40 lakh had grown to Rs. 45 lakh, showcasing the benefits of this approach.
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
Indian equity markets have continued their bull run in July 2021, supported by strong buying from domestic mutual funds despite FIIs being net sellers. Experts feel the bull run may continue but with some consolidation ahead. Investors are advised to book partial profits and rebalance portfolios by increasing allocation to banking, infrastructure and IT sectors through selected funds. The newsletter also profiles the investment journey of Mr. Murthy, who created a retirement corpus of Rs. 1.68 crores through SIP in mutual funds and has opted to receive monthly payments of Rs. 85,000 through a dynamic asset allocation fund.
-e-Rupee is a form of digital token
-How will digital Rupee work?
-SIP is a wonder product for retail Investor
-SIP is like a 'GULLAK'
- "India Shining" Slogan popularized by the ruling BJP has now become true in 2022
Doubleplus_Finserve_Newsletter_March_2023.pdfBhavesh Shah
This monthly newsletter discusses investing in equity mutual funds for retirement income. It profiles a retired investor, Mr. Ramchandra Murthy, who invested Rs. 40 lakh in dynamic asset allocation funds instead of fixed deposits. After four years of withdrawing Rs. 25,000 per month, his investment is now worth Rs. 45 lakh. The newsletter educates retired investors that dynamic asset allocation funds provide higher long-term returns, liquidity, and tax efficiency compared to traditional guaranteed income products. It aims to show others how to generate monthly retirement income through thoughtful mutual fund investments.
This monthly newsletter from Navkar Financial provides information on investments, market indicators, and an inspiring investment story. It includes sections on investment knowledge discussing staying invested during volatility and different asset classes. The market indicators section shows the performance of equity markets, gold, and debt over the past month. It also provides the one-year returns of different mutual fund categories. The inspiring story describes how a client doubled his investment in equity funds over six years, outperforming the alternative of investing in gold or fixed deposits. The newsletter aims to educate investors about long-term investing for growth.
- The Nifty closed at 18,534.40 and the Sensex closed at 61,112.4 for the month of May 2023, representing monthly gains of 2.6% and 3.6%, respectively. However, year-to-date returns from January to May 2023 have been approximately 2% for both indices, suggesting the market has remained stagnant since the beginning of the year.
- Actively managed large cap and mid cap mutual funds have outperformed the Sensex and Nifty on a year-to-date basis, reiterating that "mutual funds are good." A balanced approach combining large and mid-cap funds can provide the best investment option.
- Investors are advised to
Doubleplus_Finserve_Newsletter_November_2022.pdfBhavesh Shah
- The number of retail investors in India is growing rapidly, with the total number of demat accounts increasing almost three times from 2.12 crore in March 2020 to 6.50 crore by April 2022.
- Retail investors through systematic investment plans (SIPs) into mutual funds have become a dominant force in the Indian stock market, often balancing out selling by foreign institutional investors.
- SIPs have grown enormously popular with Indian retail investors, with monthly SIP contributions exceeding Rs. 13,000 crore. This steady inflow of retail money into the market each month provides stability.
The document discusses the performance of the Indian stock market and debt market. It says that the Nifty and Sensex indexes are maintaining bullish momentum. Domestic mutual fund managers are regularly buying stocks due to high liquidity in the market. The debt market is also performing well due to upgrades in corporate debt ratings. Hybrid and dynamic allocation funds have outperformed many equity funds in recent months. It warns that investors should be cautious during bull markets to avoid high-risk products.
The document is a monthly newsletter from INVRajat Financial Services providing information on investments, market indicators, and an inspiring investment story. It discusses the company's outlook that the next decade will provide wealth creation opportunities in India. It also provides market updates on equity indices and fund categories. Additionally, it shares information on mutual funds including types of funds, returns, and systematic investment plans. It concludes with the story of an investor who doubled his investment in equity funds over six years, outperforming other assets like gold and fixed deposits.
Why Mutual Fund
Sahi Hai?How do you get the Retu
rns in
Mutual Funds?
What is Systematic
Investment Plan (SIP)
in Mutual Fund ?
Nifty started with a dull note at 16887, on 3rd October 2022 but closed at 18012
why FIIS Selling ?
Which funds/stocks did investors choose?
-Add Units in SIP Folio
-3 SMART MOVES to take in this Market
-Domestic Institutional Investor's buying overpowered the selling
of FIIs and FPIs
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
The document summarizes the performance of the Indian equity market as of May 31, 2023. It states that the Nifty closed at 18,534.40 and the Sensex closed at 61,112.4 for the month of May, representing gains of 2.6% and 3.6% respectively. However, year-to-date returns from January 1st to May 31st were approximately 2% for both indices, suggesting the market has remained stagnant since the beginning of the year despite ups and downs in between.
The document provides a summary of the performance of the Indian equity market as of May 31, 2023. It notes that the Nifty closed at 18,534.40 and the Sensex closed at 61,112.4 for the month of May, representing gains of 2.6% and 3.6% respectively. However, year-to-date returns from January 1st to May 31st were approximately 2% for both indices, suggesting the market has remained stagnant since the beginning of the year despite ups and downs in between.
This monthly newsletter provides information on investments, market indicators, and an inspiring investment story. It discusses the positive performance of equity markets in October, with the Nifty growing over 6% during the month. It also provides education on mutual funds, explaining what they are, the different types of funds, how to invest through SIP, and how returns are calculated. Market indicators show the performance of different asset classes and fund categories. The inspiring story highlights how one investor doubled his investment in just 6 years by allocating funds to diversified equity mutual funds instead of gold or fixed deposits.
The monthly newsletter provides information on investments, market indicators, and an inspiring investment story. It discusses the positive performance of the stock market in October with the Nifty growing over 6%. It also provides education on mutual funds, explaining what they are, the different types of funds, how to invest through SIP, and how returns are calculated. Charts show the past performance of various asset classes like gold, real estate, and equities over long periods. An inspiring story highlights how one investor doubled his investment in just 6 years by investing in equity mutual funds instead of other assets like gold or FDs.
India's growing population is a double-edged sword. While it presents several opportunities for the
economy, it also poses significant challenges. The government must adopt policies and measures to
mitigate the negative effects of population growth and ensure that the benefits are widely distributed.
With proper planning and management, India's growing population can be a catalyst for sustainable
economic growth and development.
- The equity market in India is continuously rising since April 2021, though FIIs have been net negative sellers over this period. Domestic mutual funds have been net buyers and supported the market.
- Experts suggest the bull run will continue but some consolidation is possible. Investors should book partial profits and rebalance portfolios with a focus on banking, infrastructure and IT sectors using flexible equity and dynamic allocation funds.
- The newsletter discusses an inspiring case study of an investor who created a retirement corpus of Rs. 1.68 crores through monthly SIPs over 10 years and has now opted to receive monthly payments through a dynamic allocation fund.
SIP is like a 'GULLAK' for all your future
Financial Goals and requirements. It is very
important for you to list down all your
financial targets properly at one place after
taking inflation into consideration.
The document is a newsletter providing information on investments. It includes sections on investment advice, market indicators like fund performance and equity market charts, and an inspiring savings story. The story profiles a retired investor named Mr. Ramchandra Murthy who chose to invest his retirement proceeds in dynamic asset allocation mutual funds instead of fixed deposits, in order to generate monthly income while benefiting from potential capital appreciation, liquidity, and tax efficiency. After 4 years of withdrawing Rs. 25,000 per month, his total investment of Rs. 40 lakh had grown to Rs. 45 lakh, showcasing the benefits of this approach.
OUR NEWSLETTER FOR AUGUST, 2021 IS ON STANDS. THIS NEWSLETTER MAGAZINE GOOD IDEA TO PLAN FOR FINANCIAL WELL BEING. THIS MAGAZINE ADDS VALUE TO ALL READERS !! THIS MAGAZINE IS COMPLIMENTARY TO ALL READERS !!
Indian equity markets have continued their bull run in July 2021, supported by strong buying from domestic mutual funds despite FIIs being net sellers. Experts feel the bull run may continue but with some consolidation ahead. Investors are advised to book partial profits and rebalance portfolios by increasing allocation to banking, infrastructure and IT sectors through selected funds. The newsletter also profiles the investment journey of Mr. Murthy, who created a retirement corpus of Rs. 1.68 crores through SIP in mutual funds and has opted to receive monthly payments of Rs. 85,000 through a dynamic asset allocation fund.
-e-Rupee is a form of digital token
-How will digital Rupee work?
-SIP is a wonder product for retail Investor
-SIP is like a 'GULLAK'
- "India Shining" Slogan popularized by the ruling BJP has now become true in 2022
Doubleplus_Finserve_Newsletter_March_2023.pdfBhavesh Shah
This monthly newsletter discusses investing in equity mutual funds for retirement income. It profiles a retired investor, Mr. Ramchandra Murthy, who invested Rs. 40 lakh in dynamic asset allocation funds instead of fixed deposits. After four years of withdrawing Rs. 25,000 per month, his investment is now worth Rs. 45 lakh. The newsletter educates retired investors that dynamic asset allocation funds provide higher long-term returns, liquidity, and tax efficiency compared to traditional guaranteed income products. It aims to show others how to generate monthly retirement income through thoughtful mutual fund investments.
This monthly newsletter from Navkar Financial provides information on investments, market indicators, and an inspiring investment story. It includes sections on investment knowledge discussing staying invested during volatility and different asset classes. The market indicators section shows the performance of equity markets, gold, and debt over the past month. It also provides the one-year returns of different mutual fund categories. The inspiring story describes how a client doubled his investment in equity funds over six years, outperforming the alternative of investing in gold or fixed deposits. The newsletter aims to educate investors about long-term investing for growth.
- The Nifty closed at 18,534.40 and the Sensex closed at 61,112.4 for the month of May 2023, representing monthly gains of 2.6% and 3.6%, respectively. However, year-to-date returns from January to May 2023 have been approximately 2% for both indices, suggesting the market has remained stagnant since the beginning of the year.
- Actively managed large cap and mid cap mutual funds have outperformed the Sensex and Nifty on a year-to-date basis, reiterating that "mutual funds are good." A balanced approach combining large and mid-cap funds can provide the best investment option.
- Investors are advised to
Doubleplus_Finserve_Newsletter_November_2022.pdfBhavesh Shah
- The number of retail investors in India is growing rapidly, with the total number of demat accounts increasing almost three times from 2.12 crore in March 2020 to 6.50 crore by April 2022.
- Retail investors through systematic investment plans (SIPs) into mutual funds have become a dominant force in the Indian stock market, often balancing out selling by foreign institutional investors.
- SIPs have grown enormously popular with Indian retail investors, with monthly SIP contributions exceeding Rs. 13,000 crore. This steady inflow of retail money into the market each month provides stability.
The document discusses the performance of the Indian stock market and debt market. It says that the Nifty and Sensex indexes are maintaining bullish momentum. Domestic mutual fund managers are regularly buying stocks due to high liquidity in the market. The debt market is also performing well due to upgrades in corporate debt ratings. Hybrid and dynamic allocation funds have outperformed many equity funds in recent months. It warns that investors should be cautious during bull markets to avoid high-risk products.
The document is a monthly newsletter from INVRajat Financial Services providing information on investments, market indicators, and an inspiring investment story. It discusses the company's outlook that the next decade will provide wealth creation opportunities in India. It also provides market updates on equity indices and fund categories. Additionally, it shares information on mutual funds including types of funds, returns, and systematic investment plans. It concludes with the story of an investor who doubled his investment in equity funds over six years, outperforming other assets like gold and fixed deposits.
Why Mutual Fund
Sahi Hai?How do you get the Retu
rns in
Mutual Funds?
What is Systematic
Investment Plan (SIP)
in Mutual Fund ?
Nifty started with a dull note at 16887, on 3rd October 2022 but closed at 18012
why FIIS Selling ?
Which funds/stocks did investors choose?
-Add Units in SIP Folio
-3 SMART MOVES to take in this Market
-Domestic Institutional Investor's buying overpowered the selling
of FIIs and FPIs
- The document discusses that Indian stock markets are in a bull zone and domestic fund managers are regularly buying equities due to high liquidity. Debt markets are also performing well due to improved corporate debt ratings.
- Hybrid and dynamic asset allocation funds have outperformed many equity funds in recent months. During bull markets, investors tend to take high risks for high returns but should remain cautious.
- The newsletter provides advice on managing investments and behavior during bull markets, including booking partial profits and balancing portfolios across sectors and fund types. It also shares a story of an individual who created a retirement corpus through disciplined SIP investments over time.
The document summarizes the performance of the Indian equity market as of May 31, 2023. It states that the Nifty closed at 18,534.40 and the Sensex closed at 61,112.4 for the month of May, representing gains of 2.6% and 3.6% respectively. However, year-to-date returns from January 1st to May 31st were approximately 2% for both indices, suggesting the market has remained stagnant since the beginning of the year despite ups and downs in between.
The document provides a summary of the performance of the Indian equity market as of May 31, 2023. It notes that the Nifty closed at 18,534.40 and the Sensex closed at 61,112.4 for the month of May, representing gains of 2.6% and 3.6% respectively. However, year-to-date returns from January 1st to May 31st were approximately 2% for both indices, suggesting the market has remained stagnant since the beginning of the year despite ups and downs in between.
This monthly newsletter provides information on investments, market indicators, and an inspiring investment story. It discusses the positive performance of equity markets in October, with the Nifty growing over 6% during the month. It also provides education on mutual funds, explaining what they are, the different types of funds, how to invest through SIP, and how returns are calculated. Market indicators show the performance of different asset classes and fund categories. The inspiring story highlights how one investor doubled his investment in just 6 years by allocating funds to diversified equity mutual funds instead of gold or fixed deposits.
The monthly newsletter provides information on investments, market indicators, and an inspiring investment story. It discusses the positive performance of the stock market in October with the Nifty growing over 6%. It also provides education on mutual funds, explaining what they are, the different types of funds, how to invest through SIP, and how returns are calculated. Charts show the past performance of various asset classes like gold, real estate, and equities over long periods. An inspiring story highlights how one investor doubled his investment in just 6 years by investing in equity mutual funds instead of other assets like gold or FDs.
Similar a Navkar_Financial_Newsletter_July_22.pdf (20)
India's growing population is a double-edged sword. While it presents several opportunities for the
economy, it also poses significant challenges. The government must adopt policies and measures to
mitigate the negative effects of population growth and ensure that the benefits are widely distributed.
With proper planning and management, India's growing population can be a catalyst for sustainable
economic growth and development.
June '22 was an action packed month....
Both SENSEX & NIFTY was highly volatile through out the month.
Domestic Institutional Investor's buying overpowered the selling
of FIIs and FPIs. Current resilience in the Equity Market is only on
the back of domestic institutional investors and also the average
retail investor.....read more about this new strength of Indian
Equity Market !
This document provides a summary of the Union Budget 2022 and its implications from an investment perspective. It notes that the budget focuses on long-term growth through investments in infrastructure, education, banking, agriculture and other sectors. Key initiatives highlighted include the PM Gati Shakti master plan for multi-modal connectivity and a digital push for financial services. The budget also emphasizes renewable energy, green bonds and other climate-friendly policies. Overall, the budget is assessed to provide opportunities for long-term investors in sectors like IT, banking, infrastructure, manufacturing and others.
The document discusses asset allocation and recommends dynamic asset allocation funds for retail investors. It notes that dynamic asset allocation relies on fund managers adjusting the mix of assets as markets change. For retail investors in India, balanced advantage funds are recommended as they aim to achieve returns by selling declining assets and purchasing increasing assets. Multicap funds are also highlighted as a trending category that provides diversification across large, mid, and small cap stocks.
The newsletter discusses the steady growth in the Indian equity market due to declining COVID cases and rising GST collections. It notes that SBI Mutual Fund's new fund offer 'SBI Balanced Advantage Fund' collected Rs 14,500 crore, making it the largest NFO in India. The editorial discusses maintaining a steady growth in investments by selling when the world becomes greedy and buying when fearful. It also covers asset allocation strategies and managing emotions during market fluctuations. The chapters discuss dynamic asset allocation funds and how they help avoid emotional investing. It shares the story of an investor who used such funds to generate a monthly annuity and beat inflation over the long term. The product focus is on key factors to consider when choosing a
This monthly newsletter provides an overview of the Indian stock market in April 2021, which saw high volatility due to rising COVID-19 cases. Key points covered include:
- Stock markets reacted nervously to rising case numbers but ended the month near their starting levels. FIIs were net sellers while DIIs were net buyers, indicating local confidence.
- Gold and pharmaceutical stocks performed well while overall market indices like Sensex and Nifty saw volatility.
- The newsletter recommends dynamic asset allocation funds to help navigate market uncertainty and stay invested through ups and downs.
- A case study highlights how regular SIP investing from a young age can build significant wealth over time through the power of compound interest.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
South Dakota State University degree offer diploma Transcriptynfqplhm
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
1. Trending MF Schemes
Investment Gyan
Inspiring Investment Story
A monthly Newsletter to manage your personal finance
INVESTMENT KNOWLEDGE CENTER
Month ending July 2022
GST collection, at 1.49
Lakhs Crore in July 22
The July revenue figure is 28% higher than
the revenues in the same month last year of
₹1.16 Lakhs crore
What's inside ? M S Mani, partner at Deloitte India, said to ET, “The new normal
of Rs 1.4 lakh crore seen during the past few months,
accompanied by the fact that all major states have shown a
growth in excess of 15 per cent over the last year, indicates that
economic activities have stabilised and the many of the leakages
have been plugged."
Mani further added in his article, that the uptick in GST
collections over the past few months seen across major states
would provide some comfort to states that have just come out
of the guaranteed compensation period and are concerned
about their revenue mobilisation abilities. “For business, there is
expected to be an enhanced focus on audits and assessments
as the GST authorities at both the Central and State level work
on improving GST collections further."
As quoted in our past issues - India is sitting in the sweet spot !
.....read more !
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01
2. 02
Market is back with a Bang !
Invest in right
product & sit
tight till your
investment
tenure
Mr. Sandip Shah
Managing Director
Navkar Financial
Sensex, Nifty log highest July-month return in
23 years; is the bull run back ??
As we have always said in our
communications that Equity is great wealth
building product if you can manage your fear
& greed ! It simply menas , buy right and sit
tight
As many as 20 Equity Funds delivered over
10 per cent return to investors in July.
Despite Dollar became strong and overall
panic gripped our Globally, our market did
extremely well.
As bulls made a smart comeback on Dalal
Street, the benchmark equity indices BSE
Sensex and NSE Nifty managed to register
their highest return for July month in 23
years. The 30-share index Sensex climbed
8.58 per cent, or 4,551.31 points to 57,570.25
on July 29 from 53,018.94 on June 30, 2022.
Likewise, the 50-share index NSE Nifty gained
8.73 per cent to 17,158.25 during the month.
Prior this, both of these indices posted their
biggest July month gain of around 10 per cent
in 1999.
We maintain our stand to stay invested in
Equity funds. There are some good
opportunities in Banking and consumption
theme, which should be grabbed according
to your Risk appetite. Still, Asset Allocation is
the right strategy.....and remember -
SIP Zaroori Hai !
Read more about some of the great
investment ideas and more, in this
newsletter. Stay Fit and Stay Happy.
Best Wishes
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3. 03
SIP is the most
powerful
investment
tool
Rupee Cost averaging is an important tool of
mutual funds that help investors to get
maximum value for their invested money in
volatile scenario. It is an auto mode-
investment which help to sort the dilemma of
whether to keep investing when markets play
their games. Investors generally tend to
speculate on the right time to invest. But it is a
known fact that no one can predict where the
market is going to move-upwards or
downwards. Rupee-cost averaging has been
the answer to such a scenario.Hence it is the
best investment method to control or manage
your investment emotions of Fear & Greed.
With SIP, an investor invests a specific amount
at regular intervals irrespective of the
investment’s share (unit) price. By investing
regularly, the investor takes advantage of
market dips without worrying about when
they’ll happen. Their money buys more units
when the price is low and fewer when the price
is high, which can mean a lower average cost
per unit over a period of time.
Chapter 1 :
Investment
Gyan
Unit price is rising scenario :
Rs.1000 is invested in a mutual fund on the first of each month. The investor in this
example would methodically acquire 244.53 units at an average cost of Rs.24.54 each
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4. Averaging reduces the risk factor associated with lumpsum investing. For example we all
are familiar with the scenario where investors who invested their money at one go
when market was at its peak in the year 2007-2008 what their plight was when market
crashed drastically in the year 2008. With RCA, investors get a buying opportunity when
the NAV falls as he will be able to accumulate more units of the mutual fund scheme.
RCA frees investors from the onus of monitoring stock positions on a daily basis which
would be the scenario in case of lumpsum investment or VCA.
It serves as a cushion against the downward trend of the market.
Investor no longer needs to look at dates, markets or anything.
Investor no longer needs to monitor external factors like economy condition, interest rates,
inflation etc.
It is a disciplined approach towards investing regularly in mutual funds.
Advantages of Systematic Investment Plan (SIP)
04
Unit price falling scenario:
Rs.1000 is invested in a mutual fund on the first of each month. The investor in this
scenario would have bought 204.87 units at an average cost per unit of Rs.24.91.
SIP should be used for all your Financial Goals : like - Kids education, Retirement Planning,
Vacation Planning etc
You need to discuss with our expert counselor to find the most suitable SIP matching your Risk profile.
We are available for such discussion anytime during the working hours ( Monday to Saturday).
#SIPZAROORIHAI
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5. 05
Chapter 2 : Market Indicators
For month ending July 2022
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7. 07
Note : This is not a single scheme Fund Performance. This is an Avg. performance of all the funds in same
category across the MF Industry. However, performance may be different for different scheme under same
category. Please check with your advisor for the TOP performing funds in above category for the last one year.
Source - Morning Star as on 31st July 2022
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8. 08
The Schemes and their result shown on the table above are the real values. However, this article is not an endorsement or advice for
investing in these schemes, directly or indirectly. This story is for inspiration and is not real. This is in no ways a recommendation for any
scheme also there is no guarantee that similar performance will be repeated in future also. Investor should choose the SIP schemes after
evaluating their risk suitability or investment targets. Mutual Fund investments are subject to market risks read all scheme related
documents carefully
Chapter 3 :
Inspiring
Investment Story
This is the true story of Mr. Aiyyar who became debt free within 8
years for a big liability of 75 Lakhs towards his Home Loan :
Around 8 years back in 2014, Mr Aiyyar bought his own house and took a Loan of Rs 75 Lakhs with an EMI of
Rs 74500 at the age of 40. At the time of taking loan, his net monthly Income was Rs. 1.5 lakhs. The total
loan tenure was 15 years.
While talking about his investments, he mentioned that his monthly household expenses is Rs 45000/-;
after adding his EMI of Rs 74500/- his total monthly expenses was Rs 1,19,500/= . He wanted to invest
Rs20000/- per month to achieve some of his welath Goals.
However we presented him a target to achieve Financial Freedom in terms of complete pay off to his
liability as soon as possible.
Hence we suggested him to start a Good EMI , known as SIP ( Systematic Investment Plan)
Mr. Aiyyar choose to select Equity Mutual Fund for higher Risk Reward proposition. And see the result ! His
Risk paid due reward (see the table below) for the latest value of his monthly SIPs started in 2014 :
After 8 years of Home loan, EMI been paid he had an outstanding Loan Amount of Rs. 37 Lakhs, which
was cleared in 8 years instead of 15 years just by saving 20000 per month thru SIP Investment. After
clearing the Home Loan this month he has allocated the EMI amount towards SIP. Consequently, he
increased his SIP to Rs.1 Lakh per month, now. That's called good EMI
When we see our client becoming debt free and they feel very confident of their life
ahead.. It makes us more Happy and confident. It boost our confidence to 10X.
of Mr. Aiyyar
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9. Earn up to 12% p.a. by Investing in Inventory
Finance Opportunity
Platform’s in-house Business Development (“BD”) and Credit teams put in an incredible amount of effort to
identify ‘best-in-class ‘partners (“Purchasers”) and list an opportunity.
The BD team identifies Purchasers through multiple channels and initiatives, which include proprietary
relationships, investment bankers/brokers, referrals, etc.
Referrals from existing Purchasers and venture capital (“VC”) investors constitute more than 60% of the total
opportunities evaluated.
At a preliminary stage, Platform’s BD and Credit teams take a holistic view of the following initial filtering criteria:
Sourcing of Investments :
Know How
Due Diligence and Approval Process :
Profitability or Cash Availability Rate for at least 6 months :
The counterpart should either be profitable or have cash and cash equivalents that can cover at least the next 6
months of operations, taking the monthly cash burn and fixed repayments into consideration (for e.g., appropriate
debt service coverage ratio, lower debt/equity ratio, etc.)
Investor Backing :
The Purchaser should be backed by a well-regarded VC firm or an institutional investor
In-house Analysis/Review of Financial and Legal Health :
Zero tolerance policy for any irregularities in the financial reporting or legal diligence
Inventory Utility and Quality :
Ensure that the inventory to be financed is well-received in the market with proven robust demand
Inventory Conversion Cycle :
To ensure timely recovery of dues, the conversion cycle of inventory to cash or days of inventory should not
exceed the deal tenure.
A. Together, the BD and Credit teams undertake a detailed due diligence exercise, which evaluates three
key aspects for any Purchaser and the underlying asset transaction:
(i) assessing the Purchaser’s corporate profile;
(ii) analysis/review of the Purchaser’s financial and legal health; and
(iii) inventory quality review
Conduct a detailed assessment and due diligence of Purchaser’s track record, founders/promoters, management team
(CXOs), investors, and an in-house analysis of legal & financial health
Perform a detailed credit check, which includes (but not limited to) identification of any red flags in financials, key contracts,
existing lender documents, pending litigation, history of defaults, regulatory concerns, etc.
Ensure that the inventory to be sold on deferred consideration basis is ‘mission critical’, ‘revenue generating’ or ‘core-to-
business’ for the Purchaser.
Continue on next page...
09
Chapter 4 :
Inventory Financing
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10. Undertake reference checks with the Purchaser’s key investors or shareholders, industry peers & competitors,
original equipment manufacturers (“OEM”), and key customers
Negotiate the consideration payment tenure, commercial terms, and additional security measures or a credit
enhancement package (which usually entails a combination of security deposit, escrow mechanism, post-dated
cheques, promoter guarantee, hypothetical etc.)
Undertake physical verification of the inventory and the Purchaser’s office (on a case-to-case basis)
10 www.navkarfinancial.com
B. Once the due diligence process is complete, the opportunities are presented to an Approval
Committee for a final go-ahead.
C. On an average, out of the 100 opportunities sourced and evaluated by the BD and Credit teams, only
20 are approved by Approval Committee and listed on the platform.
Investments in opportunities involving
sale of assets on deferred consideration
basis are structured through a special
purpose vehicle (“SPV”) (set up as a
limited liability partnership (“LLP”) firms),
which holds the title to the identified
inventory and enters into a sale and
purchase agreement
For each opportunity, a separate LLP is
set up, in which the investors contribute
their funds and become a limited partner
in this LLP or a salaried partner of the LLP
The LLP enters into a sale and purchase
agreement for the underlying inventory
with the Purchaser, where the Partner
agrees to pay the purchase consideration
for the assets within the agreed term
Designated partners of the LLP assume
responsibility for reporting and
compliance of the LLP and the cost
associated with such activities is covered
in the fee charged by Platform.
1.
2.
3.
4.
Minimum investment of INR 10,000/-
Plus
Tenure ranging from 1-6 months
Up to 12% pre-tax yield
The Purchaser is contracted to pay
the consideration against the identified
inventory purchased at the end of the
tenure.
1.
2.
3.
4.
A). Offers two options to its investors -
invest as a:
i) Post-tax investor: returns earned by the
investors (as LLP partners) are not taxable
in the hands of the ii) Investors, as taxes
are levied at the LLP level.
ii) Pre-tax investor: returns earned by the
investors (as LLP partners) are taxable at
the applicable tax slab rate in accordance
with their tax bracket.
Investment Structure : Minimum Investment,
Liquidity/Exit, and Returns
Tax Implication for Resident
Investors
11. Call us : +91-90990-10402
www.navkarfinancial.com | sandipshah@navkarfinancial.com
We provide complete support to you in terms of fulfilling all your
investment objectives or financial plans, by way of motivation -
correct calculations and more !
Just call at 9099010402 and Fix a formal discussion session with us
we are here to help you.
Disclaimer : Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. The NAVs of the
schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the
interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual
Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of
distributable surplus.
Note : We are an AMFI registered Mutual Fund Distributors. We work closely with our customers to help them achieve their Financial
dreams by way of savings motivation, correct estimations and quick investment execution. We help you select the SIP according to your
risk profile and investment tenure.
D-35, Shivanand Appartment, Near HP Petrol Pump, K.K. Nagar, Ghatlodia,
Ahemdabad
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