Financial Planning

Stock Market Crashed - What to do?? On 14th January 2020 stock markets all over the world were all time high. NIFTY50 was at 12340. Suddenly NOVEL CORONA virus or COVID-19 out break world wide. Resulting economic uncertainty worldwide. Government of various countries announced lock down to stop further spreading of this contagious virus.Due to this lock down action all economic activity stopped. Stock market always reacts faster than economic outcome. Hence NIFTY50 crashed to 7655 which is lower than 2014 level. Investors lost their value of investments more than 30 to 50% . New investors also in dilemma as market is going down day by day. Ups and down is the general feature of stock market. Investment always given positive result in long term as business grows in long term , hence stock price also. During this period market goes up and down several times but given good return in long term. Lets understand this with some statistics of last twenty five years.   ...

IPO : Initial Public Offer Recently on 1st February 2020 during Budget  presentation honorable Finance Minister Ms. Nirmala Sitharaman has announced to dis-invest up to Rs.100000 crore. Out of this target only Rs.18000 crore has been raised so far this year. Hence Govt has decided to dis-invest 10% of holding of LIC out of 100% holding through IPO. Let us understand what is IPO and how it works. IPO: Initial public offer means when a company offer financial instrument to raise capital first time to the general public will be called as IPO. Companies need funds for various reasons, it may be for expansion of  their existing business or may be it required for acquisition of other business or to repay existing debt to make the organisation debt free. Types of Funds: Two type of funds can be raised from public:                             i) Owners Fund            ...

                                    Mutual Fund March is about to approach. This is the time to plan for tax planning on the basis of your last year income and plan for coming year too.Investment and Insurance are important part of financial planning. Mutual Fund plays vital role for your investment planning. investment, What is Mutual Fund:   Mutual fund is one type of investment vehicle by which you can deposit your money with them to get better return comparing to bank deposit like FD/RD. Mutual Fund companies launched some investment scheme where they invest these money in shares, Bonds , Debentures , Real Estate and other assets according to pre announced investment objectives. Today bank is offering interest rate @ 6% pa on Fixed Deposit. It means if you keep Rs. 100 with bank FD you are going to get Rs. 106 after one year. Now if we compare this return with inflation we can...