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How to add a touch of Gold to your Investment Portfolio

Gold Investment

No precious metal is as legendary as Gold. Its beauty has provided it with status as a valuable commodity throughout the history of humanity. It has always been used as a monetary standard and for ornaments dating back centuries. And it continues to remain the most essential component of jewellery being the precious, most malleable and rare metal. In the event of crisis, gold has helped not only individuals but also the Governments. As you may be aware, during 1991, Government of India had to move its gold reserves to Bank of England to avoid default on its international payments. During 1997/1998, Government of South Korea collected 5 million ounces of gold from its citizens in exchange for Government bonds. This enabled the Government to…

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How to Write a Will

Writing Will

A legally enforceable declaration of how a person wishes his or her property to be distributed after death. In a will, a person can also recommend a guardian for his or her children. Also known as a “will and testament” In it you declare who gets your belongings and assets when you die. A will can be made by anyone above 21 years of age in India. You can also make the will on plain paper. It is a wrong perception that to make will one has to go to Lawyer. It’s not necessary to make the will on stamp paper. It is advisable to write your will in your own hand writing, as the same can be verified later in case of any doubts…

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How to Generate Wealth by Investing in Equities over a Long Period of Time

Wealth Generate

Historically, investments in equities have generated wealth for the investor over a long period of time. It is generally perceived that small amounts of money are not worth investing. Small drops make an ocean similarly small amount of money invested with discipline creates a good amount of wealth. Also I have come across people who feel that wealth is only for super rich people. Anyone can build wealth with discipline and patience. For this you need to buy good shares and forget them. If you continue to monitor the price on a daily basis you will not be able to hold on to the investments and this will result in your selling the shares by either booking the profits or losses. The trouble here is…

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Is this the Right Time to enter Stock Markets?

Share Market

Actions by Federal Reserve, European Central Bank and Bank of Japan during the last few weeks have brought the liquidity in the markets. After a prolonged policy paralysis, Government of India too finally took important and tough decisions to hike the diesel price and reduce the subsidy burden on cooking gas. Immediately after this, FDI in retail, airlines, broadcasting and insurance was announced. All these decisions have led to a boost in investor confidence. With FIIs pumping money in the Indian stock markets, the sensex has rallied from the range of 17000 – 18000 to 19000 levels. This has happened so fast that the investors sitting on the fence were taken by surprise. First rule of investing in the stock market is to buy low…

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How SEBI’s New Regulations are going to affect your Mutual Fund Investments

Mutual Funds Plan

Entry loads for all mutual fund schemes were abolished in August 2009 by SEBI. This resulted in lot of Mutual Fund Distributors/Independent Financial Advisers quitting the MF distribution business. After realizing that mutual fund industry is not growing and the investments are declining, SEBI has issued various guidelines to “re-energise” the Mutual Fund Industry. Some of the changes are as follows:- 1) SEBI has allowed higher expense ratios by as much as 45 basis points w.e.f. 1st Oct 2012. We fail to understand how this is going to benefit the investors in the long run. Long term investors would be at a loss whereas the AMCs will end up making more money. 2) Service tax will be levied on the investment and advisory fees to…

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