Investment Advisor Archives

September 4, 2021August 18, 2023

WHAT NEXT WHEN MARKET TOUCHES 17K

The Indian equity markets have ended on a record high. The 30-share Sensex rose 514 points to end at 57,852 while the 50-pack Nifty settled at 17,234, up 158 points. This has led to many of the readers and investors wondering, what next?

It’s simple really! VSRK has always maintained that successful investing depends more on ‘Time in the market’ as opposed to ‘Timing the market’. While valuations and prices are absolutely significant, it is more important for investors to spend time with high-quality businesses than time their ups and downs. Around 50 stocks that have rallied over 500% in the last few years bear testimony to this.

The questions still remain unanswered: Is the market going to rise further or is it going to fall? One should be a pessimist and wait or cheer up and invest right away?

Waiting for a market correction to start investing would result in a loss of opportunity. This is the only reason why one should get going ASAP. If one will wait for some correction, surely will stay dwell. Therefore, one should invest. Even at a market high, the markets are only going to go higher in the long-term orientation. One can expect a few jerks on the way, but the general market course is going to be largely upward-looking. But remember, Investing should be played for a long-term.

Step #1: Avoid the temptation of booking profits!

Equity as an asset class is habitual of giving superior returns in the long term due to the power of compounding. VSRK insists & helps in cutting the losses short and riding on winners. This selling rule is deeply embedded in our policy. You should always have an investment plan and remain disciplined.

Step #2: Asset allocation is important

The fact remains intact that market volatility affects your portfolio’s asset allocation. It could be possible that your portfolio is composed only of small-cap or mid-cap stocks. In up trending market, a concentrated portfolio may increase chances of loses. One should diversify when the markets are really high. Diversification means flexible market capitalization. The best way to keep your portfolio up to date is by utilizing an active investment strategy such as VSRK.

Step #3: Get rid of under-performing investments

When you initially constructed a portfolio, markets must have been quite different. Now that considerable time has elapsed, chances are that the valuations have changed. The reasons that made you buy those particular stocks might no longer exist. The market leaders might have changed ranks. In such a situation, sticking to laggards can result in losses. So, use this time to review your entire portfolio and weed out stocks that don’t seem valuable anymore.

Step #4: Invest according to a proven investment strategy

It is rightly said that a plan without a strategy is merely a vision. Investing in accordance with a strategy can help you achieve your various financial goals and understanding your risk appetite will keep you away from making impulsive or ill-informed investment decisions based on greed and fear. VSRK is a smart investment strategy that is complete with selling rules and can help you invest in accordance with your risk appetite.

Step #5: Consult your Investment Advisor

The art of investing includes doing the basics of investing right i.e. knowing how much to invest for your goals, where to invest, understanding your risk appetite, proper asset allocation and re-balancing, investing systematically and remaining disciplined in your plan irrespective of market conditions.

An investment advisor can not only help you understand your financial objectives but will also help you curate your equity portfolio in order to achieve those objectives. An advisor will act as a guiding light in navigating your way through the volatility of financial markets.

All said and done, market highs and market lows shall come and go. The volatility shouldn’t bother long-term investors. You should always aim to keep an eye on your goals and invest in a systematic manner. VSRK would be delighted to assist you in your investment journey so that you can fulfil all your financial goals.

September 9, 2020August 22, 2023

How its Benefits of Investing in Mutual Fund Online

Investment in mutual fund online is gaining popularity as the easiest ways of investing. Such investment could be done by accessing our Website or downloading the VSRK mobile application.

Benefit of investing in mutual funds online

There are various benefits of investing in mutual fund online. We have mentioned some of them as following-

Online Registration and E-KYC

The customers can register online through filing the necessary information and submitting the required documents viz. PAN card and Aadhar card. Such information is sent to the backend for verification. Once the information is verified you are ready to invest.

Option to Invest in Small Amounts

Investing in mutual fund online gives you the option of investing in various securities in small amount. You have the option to start your SIPs with just rupees 500 per month. By keeping out a small portion of your salary aside you would be able to accumulate a wealth over a long time.

Ease of convenience

Investment in mutual funds online is one of the simplest and the easiest form of investment. in this you just need to have the access to the website or mobile application of your AMC. You can access your portfolio information, current stock rates and various other information just through one click.

Liquidity

One of the most important benefit of online investment in mutual funds is the liquidity. the investors have the option to redeem the unit at any point of time. However, mutual funds do have factors like pre exit penalty and exit load we should be taken into consideration before redemption.

Security of funds

All the mutual fund related transaction come under the scope of SEBI. SEBI is a government regulated organization regulates AMCs to maintain transparency and accountability of transactions. Its aim is to safeguard the investors and solve their grievances. Further, SEBI makes it compulsory for all mutual funds to disclose their portfolios every month.

April 10, 2020August 2, 2023

How to Save Tax Without Fresh Investment in FY 2019-20?

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When the month of March is comes to end, the only thing that comes to the mind of a salaried person is Tax Liability and Returns. Tax Liability is a duty levied by the government on your income which aids it to conduct public welfare activities. Tax planning here becomes a necessity as there are a lot Individuals who often pay tax more than they were required. The only reasons are the lack of weakness and knowledge about various deductions and schemes issued by the government in order to help the individuals avoiding excess tax liability. In common parlance, the best time for tax planning is in the starting of the year but people tend to procrastinate till the year end and end up either making errors in filing statements, paying more tax or filing belated returns.

However the good news is that even if you have been careless towards planning tax the whole year you can still claim certain deductions on expenses that you have incurred in the normal course of your daily routine. Some of the deductions are-

Children’s Education & Hostel Allowance and Tuition Fees (Sec 80C & Sec 10(14))

The most common expense generally an individual incurs is the tuition fees of school, college or any other recognized institution for the purpose of full-time education of any two children of the employee is eligible for deduction. Please note that any sum in the name of donation, development fees or capitation fees or any other payment of similar nature shall not eligible for deduction. In certain cases where the Children’s Education & Hostel Allowance is provided by the employer, such sum shall be added to the gross income of the individual & deduction of Rs 100 & Rs 300 per month per child upto 2 children shall be eligible.

Medical & Life Insurance (Sec 80D & Sec 80CCC)

Keeping in mind the uncertainty of human life and importance of medical and life insurance, the government has incorporated sums expended in such regards as an eligible deduction. Tax deduction based on health insurance premiums paid for individual, spouse, and dependent children shall be eligible for deduction up to Rs 25,000 per budgetary year. Similarly, for investments made with respect to life insurance shall be eligible for deductions as per the related provisions.

House loan and interest (Sec 80E, Sec 80E, Sec 24)

Employer’s contribution to NPS

Every individual whose employer has made contribution under section 80CCD(2) to the notified pension scheme which is not covered within the overall cap of Rs 1.5 lakh for cumulative deductions under sections 80C, 80CCC and 80CCD(1) shall be eligible for the deduction in accordance to the said section. Such deduction under is in addition to the cumulative deduction available under section 80C, where the overall limit is Rs 1.5 lakh, and 80CCD(1B) which is Rs 50,000.

Contribution made towards PPF and other approved schemes

There are a lot of regular investments that a common person invests in for which deductions is allowed under the Income Tax Act. This includes any deposits made with National Savings Certificate, Sukanya Samriddhi Account, Senior Citizen Savings Scheme 2004 (SCSS), NABARD Rural Bonds,

Equity Linked Savings Schemes (ELSS)

ELSS is tax saving mutual fund that help the investors to save taxes up to Rs 1.5 lakh under Section 80C of the Income Tax Act. ELSS funds are considered ideal for new investors to start their investments in equity mutual funds. They, generally, have a mandatory lock-in period of three years and are among the shortest lock-in period among tax-saving investments permitted under Section 80C.

Standard deduction

A standard deduction up to Rs 50,000 is allowed for all salaried employees. This deduction is is mandatorily available and is considered by the employer while computing tax liability of each employee. The respective deduction is available at the time of filing ITR. However, while planning your taxes for FY 2019-20, you must consider standard deduction as well to compute your total tax liability.

Apart from all the deductions mentioned above there are multiple other deductions under the Income Tax Act 1962 which are available to an Individual.

April 1, 2020August 2, 2023

3 Reasons Why We Should Invest in Falling Markets?

Recently the Indian Stock markets were seen crashing into a bearish phase where the stock prices fell more than 20% from the recent highs. Bear markets occur during economic recessions or depressions when pessimism prevails. In such markets, the prices of the securities drop heavily, and a negative sentiment causes a selling pressure upon the current which force the prices to stoop down even further.

As a general human behavior, most of the investors opt out of the securities they were holding and are ready to sell their investments at a lower price. This situation is often seen with a skeptical point of view. There is, generally, a lot of pressure upon the investors as well as on their financial advisors. One wrong decision or miscalculation could lead to a major financial loss. In common parlance, this situation is very stressful and involves a lot of decision making. But, despite all such risks in investments such scenarios can actually prove to be a good chance to reap some good alphas and it might not be incorrect to say that no matter how much villainous this phase looks like, it might offer you a good opportunity to earn.

Good Stocks at Affordable Rates

Legendary investor Warren Buffet had once stated, “Whether we’re talking about socks or stocks, I like buying quality merchandise, when it is marked down.” This is what happens in a bearish market. The prices of all shares both good and bad tend to fall down, opening a window to invest in lower than normal rates. As more people invest in such securities, the prices tend to recover and the growth is set back to the track.

Better Investment Options Highlight Up

As we have seen, the bearish markets are always preceded by tough economic conditions. In difficult environment, the corporates may struggle in paying their debts and other liabilities highlighting their creditworthiness. The creditworthiness is often rated by various independent credit rating authorities. When such reports declare a good report it means the organization is financially sound and is a good to shot to take.

In short, we can summarize that bearish phase is comparatively shorter than its counterpart, i.e. Bull. Therefore, the impact of bearish market upon the securities doesn’t sustain for a long time. The good stocks of companies having great creditworthiness shine in the bullish market following the bearish phase. So, the advice to invest in falling markets is highly justified subject to risk & careful

January 5, 2019

Is It Safe to Invest in Mutual Funds in India?

Systematic Investment Plan is investing a fixed amount at a fixed time interval(monthly, quarterly or annually) in a given Mutual Fund. An investor commits to invest a specific amount for a continuous period at regular intervals, this ensures that he gets more units when prices are lower and fewer units when prices are high, this works on the principle of rupee cost averaging when invested at different levels and automatically participate in the swing of the market. You can earn compound interest on your deposits on a monthly basis, thereby, increasing your investment amount significantly over the long run.

Choosing the Best SIP: Choosing a Right Sip is very important. Before selecting the right sip just Keep in mind the following factors, Which we have written after consulting the Best Financial Planner in Delhi-

Objective of Investing: When you think about investing in sip mutual fund, then you should have known the objective of investing. You have to ask yourself that what is the amount of risk you will have to take, and secondly the time period of investing. Then you can make a logical decision that which type of fund investing you really need.

Performance & Returns you will get: Before Going into investment, you should study about the investment plans, and the type of funds. Make a comparison on the performance basis. The comparison of performance on the time period basis will tell you the power of that fund and investment plan. Try not to invest on those plans which is strong towards market fluctuations.

Selecting right Fund House: A fund house or an Wealth management company is the company that manages Mutual Fund. If you select the right fund house, it will help you in getting good return on investment. Fund will be as good as the fund house you will choose. Your fund house will take decisions for your fund investments. If the fund house will not take the right decisions the investor will end up losing money. So before selecting your fund house properly read about the right Best Mutual Fund Advisor Delhi and fund house, and about the scheme you want your money to get invested. This will help you to reach your investment dreams.

Fund type: There are four types of sip investment plans are there. You can choose according to your amount and of goal of investment. These are-

Top-up SIP: Top-up SIPs allow investors to increase your amount at regular time period. You can increase the amount of investment if you think that the fund scheme in which you invested is performing well.

Flexible SIP: Flexible sip as its name shows are flexible. In these investment plans you can increase and decrease the amount of investment as per your financial situations. If investor runs out of money he can skip the payment, And when the investor has good amount of money he can deposit that in his sip account.

Perpetual SIP: Usually the investor signs ups in sip mutual funds for particular period of time like we can say 1 or 2 or 5 years. But if you don’t want to enter the time of end date then it is called as perpetual sip. This Sip gives option to the investor to redeem his fund when he wants to. Or whenever he feels that his financial aims are completed. Nevertheless, it is always to start SIP for a fixed period of time.

Trigger SIP: Trigger Sips are best for those investors who are aware and has some knowledge about the financial Markets.

Ratio of Expense: If you have researched enough and you find the funds that are similar in nature, then you can select the right fund according to their expense ratio. you can choose among them on the basis of expense ratio. This includes management fee and Total administrative price. a high expense ratio will knock down a fund’s performance.

Entry Load And Exit Load: Previously investing there was entry fee in the form of entry load, but , Securities and Exchange Board of India (SEBI) has stopped funds from levying an entry load. Therefore now, the only time you pay is when you leave a fund or we can say when you redeem the fund. This amount is called exit load. The amount of exit load differs with time period, amount of investment and scheme type. These Exit loads are regulated by SEBI.

These SIPs are the subject of market risks. You can ask for right portfolio management services from the right Certified financial planner in Delhi NCR.

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Tag: Investment Advisor

How its Benefits of Investing in Mutual Fund Online

How to Save Tax Without Fresh Investment in FY 2019-20?

Is It Safe to Invest in Mutual Funds in India?

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