http://www.articlesnatch.com/rss2/ELSS ELSS Articles from ArticleSnatch.com Rss Follow Up Thu, 16 Feb 2012 07:38:30 -0500 What investors in the Indian stock market can"t compromise missing is news on the market including stock indices, commodity indices, currencies, mutual funds, and other investment options. While lakhs of investors put in money on NSE nifty stocks, an equal number of people invest in BSE stocks as well. But not all investors can expect similar results. It all depends on how the stocks are chosen. A blend of market news updation, use of investment tools like fundamental analysis and stock technical analysis, considering changing market trends, and related paraphernalia can help one take the right buying and selling decision. As of 19th December 2011, Indian stock indices exhibited to their lowest close since August 2009. This is because more of selling rather than buying was witnessed. And the selling was triggered because of mounting concerns over slowing growth not to mention lingering global economic uncertainty. While sensex touched 28-month low, down 112 points, NSE nifty declined 38.50 points, or 0.83 per cent. Sensex ended at 15,190.74 and NSE nifty at 4,555.90.NSE]]> NIFTY]]> bollywood news]]> top mutual funds]]> stock indices]]> http://www.articlesnatch.com/Article/Stock-Indices-And-Top-Mutual-Funds-Along-With-Bollywood-News-/3596607 Wed, 25 Jan 2012 02:08:35 -0500 http://www.articlesnatch.com/Article/Stock-Indices-And-Top-Mutual-Funds-Along-With-Bollywood-News-/3596607 home loan]]> loan]]> personal laon]]> Life Insurance]]> http://www.articlesnatch.com/Article/How-To-Save-Income-Tax-/3547329 Tue, 10 Jan 2012 01:59:27 -0500 http://www.articlesnatch.com/Article/How-To-Save-Income-Tax-/3547329 Tax planning]]> http://www.articlesnatch.com/Article/Eight-Simple-Way-To-Plan-Your-Tax/3508533 Thu, 29 Dec 2011 06:08:19 -0500 http://www.articlesnatch.com/Article/Eight-Simple-Way-To-Plan-Your-Tax/3508533 India top news]]> Finance News India]]> top mutual funds]]> NSE]]> http://www.articlesnatch.com/Article/News-That-Matter-To-You-And-Investment-Options/3495494 Mon, 26 Dec 2011 03:21:41 -0500 http://www.articlesnatch.com/Article/News-That-Matter-To-You-And-Investment-Options/3495494 There are so many tax saving investment options; how Mutual fund ELSS Schemes stand out from all other options? A Mutual Fund ELSS is similar to diversified equity funds. That means the fund manager can invest in shares of various companies across various industries. The difference is ELSS has got the added tax benefit, something a diversified equity fund does not offer. ELSS is part of the Section 80C instruments which are cumulatively eligible for a deduction from income up to Rs.1 Lakh. This gives the tax payers benefits from 10 per cent to 30 per cent (excluding the educational cess) based on their current tax slab. The other tax saving investments like NSC, PPF will give only 8% return p.a whereas the Mutual Fund ELSS has got the potential to deliver more than 12% return p.a. Also the lock-in period in Mutual Fund ELSS is 3 years and with NSC it is 6 yrs lock-in and with PPF it is 15 years. Among the various tax saving investment option, Mutual fund ELSS has got the least lock-in period. Ulips are also one of the tax saving investment options.ELSS]]> http://www.articlesnatch.com/Article/All-You-Wanted-To-Know-About-Mutual-Fund-Elss/3411860 Fri, 02 Dec 2011 02:38:12 -0500 http://www.articlesnatch.com/Article/All-You-Wanted-To-Know-About-Mutual-Fund-Elss/3411860 Get a PAN Card: PAN Card is an ID card issued by income tax department. This card is useful in filing your Income Tax returns. Apart from this, the PAN card is very much useful in opening a bank a\c, demat a\c, investing in mutual funds and the like. The required documents for getting a PAN card is a passport size photo, address proof and an identification proof. You need to apply with either UTI or NSDL. They are the two approved agencies by income tax department for issuing PAN card. Personal Accident and Disability Insurance: Almost every day you can find a news column about road accident. It may be your colleague, your distant relative, your neighbor, your friend, your classmate. The stories of such incidents give us a reminder that the accidents can happen to anyone. The impact of these accidents on ones working life could be huge. Some accidents could reduce our employability temporarily or permanently. Personal accident and disability insurance policies will cover the financial losses arising out of accident and disability. You need to decide the coverage amount of this policy based on the estimated loss you may suffer because of accident.financial plan]]> http://www.articlesnatch.com/Article/A-Step-By-Step-Guide-To-First-Financial-Plan/3398511 Tue, 29 Nov 2011 05:19:42 -0500 http://www.articlesnatch.com/Article/A-Step-By-Step-Guide-To-First-Financial-Plan/3398511 stock markets]]> NSE Nifty]]> india news]]> best mutual funds]]> bse metal]]> commodity prices]]> http://www.articlesnatch.com/Article/Miscellaneous-Market-India-News-----Diverse-Investments-/3285804 Thu, 03 Nov 2011 00:47:57 -0400 http://www.articlesnatch.com/Article/Miscellaneous-Market-India-News-----Diverse-Investments-/3285804 banking money]]> finance planning]]> http://www.articlesnatch.com/Article/From-The-Tax-Angle/3217968 Fri, 21 Oct 2011 08:09:00 -0400 http://www.articlesnatch.com/Article/From-The-Tax-Angle/3217968 Indian mutual fund industry has seen a significant growth since it evolved in 1963. Today, it is the best channel for indirect investment into the equity market. It is not only favoured by retail investors but by institutional investors too! Here are some few top reasons why you should invest in this investment vehicle. Diversification: You can invest in hundreds of stocks across sectors by buying a Mutual Fund. Thus you can diversify your portfolio and gain exposure to different stocks and different sectors from a small amount. To replicate this portfolio diversification by buying individual stocks is comparatively more expensive. Professional management: Mutual Funds are professionally managed by highly skilled Fund Manager. These Fund Managers are experienced and professional research analysts who dedicate their time in managing the fund. Affordable: MFs are very affordable as they are available in units. Also, you can make a fund investment of as low as Rs 50 per month in some Systematic Investment Plan (SIP) schemes. Tax benefit: Equity Linked Savings Schemes or (ELSS) are tax saving mutual funds in India. They have a lock-in period of 3 years and enjoy tax benefit.Mutual funds]]> Indian mutual fund]]> Best mutual fund.]]> http://www.articlesnatch.com/Article/Why-Should-You-Invest-In-A-Mutual-Fund-/1961372 Sat, 08 Jan 2011 04:40:57 -0500 http://www.articlesnatch.com/Article/Why-Should-You-Invest-In-A-Mutual-Fund-/1961372 Direct Tax Code]]> DTC]]> Equity Linked Saving Schemes]]> ELSS]]> PF]]> http://www.articlesnatch.com/Article/Sunset-Clause---No-More-Equity-linked-Saving-Schemes-Under-80c/1537094 Wed, 08 Sep 2010 02:53:59 -0400 http://www.articlesnatch.com/Article/Sunset-Clause---No-More-Equity-linked-Saving-Schemes-Under-80c/1537094 Getting into a dilemma while investing is a common phenomenon. It usually happens when investors are indecisive about two seemingly similar situations or investment avenues. If the dilemmas are not tackled early on, it could lead to a flawed investment decision, which can be disastrous for your finances. These dilemmas are usually a result of the lack of knowledge among investors about various investment options. This leads to confusion about which investment option is most suitable in a given situation. In a bid to simplify things, investors look for answers that may have worked for their friend or colleague in the past. However, since the situation varies across investors, there is no clear-cut answer or standard solution that will hold good for all investors. In this article we bring out 5 common investment dilemmas that investors grapple with regularly while investing. 1. Stocks vs Equity funds This is undoubtedly the most common investment dilemma faced by several investors, regardless of their investment expertise. This dilemma is rooted in the investor's belief that investing in stocks and equity funds is one and the same thing.common investment]]> investment dilemmas]]> common investment dile]]> http://www.articlesnatch.com/Article/Common-Investment-Dilemmas/1454946 Tue, 17 Aug 2010 06:42:59 -0400 http://www.articlesnatch.com/Article/Common-Investment-Dilemmas/1454946 Surprised to read about tax-planning in the month of April? Isn't tax-planning supposed to be an 'end of the financial year' exercise? Well, the answer is no! Tax-planning isn't an activity to be conducted in a rushed manner at the end of the year. Simply because, it forms an integral part of your financial planning activity. Tax-planning is as much about contributing to your financial goals as it is about reducing your tax liability. So, the right time to start thinking about tax-planning is now! Then, there is the need to objectively consider your risk profile (among other factors) while conducting the tax-planning exercise. For example, risk-taking investors could hold a portfolio dominated by market-linked avenues like tax-saving funds (also known as ELSS) and unit linked insurance plans (ULIPs); on the other hand, risk-averse investors should be predominantly invested in assured return schemes. Speaking of assured return schemes, the small savings schemes segment perhaps represents the most comprehensive pool of the former. More importantly, a number of small savings schemes are eligible for tax benefits under Section 80C of the Income Tax Act i.e.Tax plnning]]> tax saving]]> small savings]]> investment planning]]> http://www.articlesnatch.com/Article/Tax-Savings-Investments---Small-Savings/1449698 Mon, 16 Aug 2010 06:16:27 -0400 http://www.articlesnatch.com/Article/Tax-Savings-Investments---Small-Savings/1449698 People do invest their savings for the sake of getting tax rebates. One of the most popular format of savings and investment in India is NSC (National Savings Certificate). It gives the tax rebate to the investor under s/c 80C on Indian Indian Income Tax act. The same tax benefit is given by another new investment option better known as ELSS (Equity Linked Savings Scheme). In terms of security of capital and assurance of returns NSC will be a better investment option. But in terms of returns ELSS is a notch over NSC. The return obtained form NSC is 8% p.a. (taxable) and in ELSS expecting 10% (not taxable) is not bad. If an investor is investing for the sake of growth of capital which can also save him some tax then ELSS is the option. People often stick to the more traditional and known NSC, but ELSS is by far the better investment option then NSC.elss]]> nsc]]> investing]]> http://www.articlesnatch.com/Article/Elss---Nsc-Investing/1400064 Sat, 31 Jul 2010 22:55:28 -0400 http://www.articlesnatch.com/Article/Elss---Nsc-Investing/1400064 Mutual Fund is basically a trust which through its various schemes safeguards the investments of small and big investors. Every scheme of each of these mutual funds has different terms and conditions. By nature mutual funds are not tax saving instruments. However, investment products in these funds may offer tax savings. ELSS schemes which are commonly known as tax mutual fund is a category where equity and equity related instruments are invested. Investment up to 1 lakh is tax exempted under section 80C. However, these schemes have a lock in period of 3 years before which you cannot withdraw. The dividends received by the investor are also tax free. ELSS is a very good tax saving instrument which ensures good returns. However, you need to invest carefully after devoting sufficient time to select the right fund. There are different types of ELSS schemes which are categorized as growth and dividend options. In the Growth option of ELSS scheme, the investor does not get money during the investment tenure. He gets the entire lump sum amount at the time of maturity.tax mutual funds]]> mutual fund investments]]> mutual funds]]> http://www.articlesnatch.com/Article/Understanding-Tax-Mutual-Funds-Investments/1245123 Tue, 15 Jun 2010 10:11:06 -0400 http://www.articlesnatch.com/Article/Understanding-Tax-Mutual-Funds-Investments/1245123 Before going to discuss about Investment we have to understand the present situation of the economy i.e. a downtrend economy. An economic downturn is a phase of the business cycle in which the economy as a whole is in decline. This phase basically marks the end of the period of growth in the business cycle. Economic downturns are characterized by decreased levels of consumer purchases (especially of durable goods) and, subsequently, reduced levels of production by businesses. While economic downturns are admittedly difficult, and are formidable obstacles to small businesses that are trying to survive and grow, an economic downturn can open up opportunities. A well-managed company can realize the opportunity to gain market share by taking customers away from their competitors. So the investors should be alert enough before investing money in to market. I think lower risk investment should be selected. This may be in the: 1. Mutual fund because existing NAV of most of the funds are below the initial issue value and this will give a good return. 2. Public Provident 3. ULIP 4.5 years Cumulative time deposits with post office. 5. Medical insurance.Best Investment Plans]]> http://www.articlesnatch.com/Article/Best-Investment-Plans/1224075 Mon, 07 Jun 2010 07:49:54 -0400 http://www.articlesnatch.com/Article/Best-Investment-Plans/1224075 One of the prime concerns of the salaried and corporates is the taxation procedure. However, one cannot completely avoid this liability, through several deductions and exemption policies by the Indian Income Tax Act or the Section 80C or 80D can help you to lessen the taxable amount and carry on with some savings. The tax planning and Investment options under Section 80C and 80D is very popular among the Indian masses as it encourages to have monthly savings from their monthly income. Section 80C and 80D has many benefits for your personal tax planning. One must take its full advantage if the taxable amount is in the highest bracket, which can help you to reduce taxable amount by Rs. 1 lakh. It means that the savings can go up to Rs. 33, 0000 according to the provisions of section 80C. For the financial year of 2009-2010, A maximum deduction of Rs. 1 lakh has been allowed by section 80C from your taxable amount which can be invested in any of the following:- Life insurance premium- Under section 80C, any investment with Life insurance policy is eligible for income tax deduction.income tax]]> insurance]]> mutual fund]]> finance]]> india]]> http://www.articlesnatch.com/Article/Utilize-Your-Money-With-Efficient-Tax-Planning-Options/997355 Tue, 02 Mar 2010 06:46:50 -0500 http://www.articlesnatch.com/Article/Utilize-Your-Money-With-Efficient-Tax-Planning-Options/997355 Tax Savers]]> Tax Saver fund]]> hdfc Tax Saver]]> http://www.articlesnatch.com/Article/India-Tax-Saver-Funds/975528 Thu, 18 Feb 2010 04:38:33 -0500 http://www.articlesnatch.com/Article/India-Tax-Saver-Funds/975528 Tax Savers]]> Tax Saver fund]]> hdfc Tax Saver]]> http://www.articlesnatch.com/Article/Save-Tax--Make-Money/973399 Wed, 17 Feb 2010 05:08:48 -0500 http://www.articlesnatch.com/Article/Save-Tax--Make-Money/973399 Pension Plan]]> Pension Fund]]> Tax Saving Mutual Fund]]> Tax Saving]]> Mutual Fund Investments]]> http://www.articlesnatch.com/Article/Pension-Plans-With-Mutual-Fund-Investments-/494419 Wed, 28 Jan 2009 00:00:00 -0500 http://www.articlesnatch.com/Article/Pension-Plans-With-Mutual-Fund-Investments-/494419 As the name suggests ELSS (equity linked savings scheme), invests primarily in equity shares of companies. As per financial regulations, the scheme Fund manager has to invest 80% of the total amount in the equity shares and the remaining 20% per cent can be invested in other instruments like bonds, debentures, government securities and others. When you invest in ELSS your money is locked for a period of three years (minimum). Once you invest in tax saver funds you cannot withdraw the amount for three years, this acts as a blessing in disguise as tax saving funds generally yield high returns during a 3year period. The common man is basically afraid of investing his money in equity shares as he is afraid of loosing money. But a look at the recent past shows that investors who have invested in tax saver funds have never lost out on their money, rather tax saver funds have been the front runners in terms of returns to investors. A small illustration will clarify comprehensions. If you make an investment of Rs 1,00,000/ ( 1 lac), then under section 80c this complete amount is deducted from your gross income for that particular year.ELSS]]> tax saving]]> tax]]> mutual fund investment]]> mutual funds]]> http://www.articlesnatch.com/Article/Elss--Secret-Of-Tax-Saving-With-Mutual-Fund-Investments-/482869 Sat, 17 Jan 2009 00:00:00 -0500 http://www.articlesnatch.com/Article/Elss--Secret-Of-Tax-Saving-With-Mutual-Fund-Investments-/482869