Women Should Learn the Language of Paper Assets – Part 1

Paper Assets

Why a women should start investing in paper treasures

A study says that many women have an irrational fear of paper stocks. Uncountable times have heard someone saying, “I’m not smart enough” or “I don’t understand the financial world, its altogether a different language!” The dismay and unawareness retreat them from investing in the gentle and most readily understandable asset in the market.

Investing in paper assets is immensely calm and tranquil, and truly anyone unaware can also do it. In fact, you can ping us at WhatsApp and can buy or sell a share of your preference under our expert’s guidance. Decisions are really not that simple. The artful chunk is determining when and what shares to buy and sell. That requires a bit more home-work and knowledge. You can download one of our VSRK app, and with a touch, you could be an investor.

Coming to awareness and learned, learning to invest in paper assets is simply like learning a new language. And anyone and everyone can do it. One has to start investing, and soon you’ll be speaking fluently like a native. Investment & learning go hand in hand.

It is advisable to invest like a nun. Alike a nun, invest herself to the service of humanity religiously, one need to invest in paper assets with proper dedication. A nun doesn’t worries about ups and downs in the life. Buying and selling on the basis of markets’ ups and downs is not a good deal. One needs to understand the market or we at VSRK can help you with our expertise.

A women used to survive by selling milk and other confectionaries, and collecting interest from deposits, but when interest rates started going down, she realized they needed a new strategy to keep them from going under.

Today, the same women runs a good portfolio from her small shop turned bakery. “I now understand every third sentence of financial pages of VSRK’s research notes instead every 10th when I started,” she says.

The fact is that many of individuals doesn’t have a background in finance. In fact, one can start their journey with VSRK into paper assets by purchasing a share in a stock, and understand the financial jargons with time.

There are many inspiring stories of how hesitant women start their investing journey and how they are able to increase the returns on their penny savings to help them thrive. 

Before one start investing, take a minute to understand some facts to help you decide one’s investment amount and period.

Firstly, Paper assets are highly liquid and can jump in or peep out at any time. Secondly, it’s not time taking and is effortless to begin investing. Certain paper vehicles, like stocks that pay dividends, can provide long-term cash flow if you understand their strategy. 

Many people understand a few financial terms and Tax Advantages or Tax benefit is one of them. Paper assets if held longer than a year are taxed at the lower long-term capital-gains rates. The same goes for dividends. We can conclude that one can invest in stocks anytime, anywhere, through our VSRK app.

What are the Taxation rules of Equity Funds?

What are the Taxation rules of Equity Funds

One thing that comes to every investor’s mind apart from the return and related risk is the associated tax compliances. The last time we checked 2 types of taxes were applicable on sale of mutual funds i.e. capital gains (under Income Tax Act) and dividend distribution tax (DDT). 

Capital Gains

If any investor holds a mutual funds unit of the scheme for a period of up to one year, provisions of short-term capital gain (STCG) are applicable on the sales proceeds. The applicable tax rate on such securities is 15%. So, if you have a unit of mutual funds that you sell within a year, you are liable to pay 15% as tax of the capital gain on sale proceeds for that financial year. 

However, if the investor holds the units of the mutual fund scheme for a period exceeding one year, then the capital gains earned by you are called long-term capital gains (LTCG). LTCG above Rs.1 lakh is taxed at 10% without indexation benefits.

Dividend Distribution Tax (DDT)

On mutual funds, dividend distribution tax is applicable at 10%. Dividend distribution tax is applicable on dividend receipts. This amount is taxable in the hands of the corporates. The corporates deduct the dividend distribution tax before giving any dividends to its investors. The investors do not have to pay anything as it has been already deducted. Therefore, there is no need for investors to pay additional dividend distribution tax on dividends received on their investment. 


It could be concluded that on a mutual funds unit held for 1 year or less, the applicable tax rate is 15% on total gain. Whereas, in cases where mutual funds have been held for more than 1 year, a tax rate of 10% is applicable on total gains. Also, dividend distribution tax is applicable at 10% which is automatically deducted from the dividends and paid by the corporates.

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