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Category: Finance

  • Smart Investment Tips That Gives You Your Gains

    Smart Investment Tips That Gives You Your Gains

    Investment guides are there that will take you by the hands of small sums of money, and take you into the world of more specialized finance.

    What are the best actions and what will the financial markets do in 2022? Is it better to buy ETFs, or Mutual Funds, or another type of financial instrument?

    After a record-breaking 2020, in the middle of 2021 the financial markets have started to scale down for various reasons; at the world level since Trump’s trade war, in Italy the change with a sovereign government and the increase in the spread have affected banks. The 2019 instead started well and at least until May there was a growth both in the global and in the Italian markets. Certainly it is a difficult year for investors: government bonds guaranteed with very low returns and volatility of equities, do not help to make financial investments for everyone. This is a part of the Investment tips now.

    All the more reason you need to use common sense and the basic rules to invest, if you do not know this matter thoroughly, rules that we have reported here in the first part of the article with related links to further information. Continuing reading, instead, you will find opinions on various financial products and their peculiarities.

    Start investing: know the basic rules

    The higher the return, the higher the risk for capital, moreover those that were once called safe investments, that is, government bonds, as well as the postal bonds have low and unattractive interests for the investor, here so that in recent years, instruments such as the Mutual Funds, ETFs have finally come to the ears of everyone, even the small saver who has a few thousand dollars to make money to try to improve their financial structure.

    But even the shares are back in fashion during this period, especially the shares of Italian companies of excellence, titles that on this site we often take a look at as they are closer to us and easily ‘controllable’ by the investors themselves. Finally, there are investments for the more experienced, made through Online Trading.

    The main rules to know before investing money

    It is not enough to know where to invest,i.e. which financial instruments to buy, but you have to follow your own investment method, to do this you need to know some basic rules on how to use money.

    What You Need To Know Before Buying a Financial Product

    First of all, before putting your savings to capitalize, you need to have a picture of our current financial situation, so make a plan to diversify, so that you can carefully decide which type to focus on and evaluate how long you want to keep the money firm, that is if we want to engage them in the short – medium or long term.

    Unfortunately, here many savers who are not experts commit their first mistake. BEFORE deciding whether to invest all or part of your capital, you must absolutely stop and make a precise project, which as we said before, an investment project that involves knowing:

    • How much of the available capital we want to make use of.
    • In which form of instrument / the financials put their money (or maybe in other forms, like real estate or a company) that is diversify.
    • The time period for which we can commit that particular capital.
    • It will therefore be sufficient to sit down, take a pen and paper, call the spouse (if there is one and if we have the communion of goods) and start deciding on our financial future, so as to decide the investment strategy.
    • For example, we recommend for the small saver to always use the drawer’sstrategy, in order to minimize the risk and maximize the income with a portfolio of securities adequate to their invested capital.
    • We also need to know other valid investment methods, such as the Dual Momentum , or the best time to buy upside stocks, learn about widely used investment methods like the famous Sell ​​May go away , even know the best time.
    • Moreover, we must always remember that, for how many predictions and calculations we can make, investments are never totally safe , we write this almost always and every time we never tire of repeating it, because sometimes people tend to forget about it.

    To this, we add a substantial collapse of the Nasal technology stocks that began at the end of August 2018, widely announced by us, a natural collapse, after 9 consecutive years of growth. This collapse was also due to the Federal Reserve policy, which further raised interest on American bonds, which made them much more attractive and much safer investments than stock dividends.

    In June 2018, the Milan Stock Exchange had problems with the formation of the Count Government and the failure to appoint Prof Savona as Minister of the Economy, who until recently was a leading exponent of the euro economists . This destabilized the spread and banking stocks also suffered, bringing all financial markets to the brink of a serious crisis. On the other hand, the 2018 Stress tests of Italian banks seem to have gone well.

    The Government launched on June 1 instead seems very convinced to stay on the euro, although aware of having to modernize the structure of the European Union, so it is hoped that the markets will resume their growth.

    America’s duties could create problems for everyone, though the US is still the world’s leading economy; as such it is fundamental to the performance of financial markets. President Trump’s financial policy seems inspired by a new internal liberalism that should penalize goods from abroad through tariffs, even if so far Wall Street has responded very well to Trump’s policies.

    USA had indeed promised an American economic policy with high tariffs for foreign goods, more work for Americans and more aid to American companies.

    It must be said that he met the foreign managers of important industries working in the States (such as the FCA), for now the reactions of the American stock exchange are very positive and a little all the global stock exchanges are having good performances, including the Italian one.

    The influence of oil prices:

    Black gold has influenced the economic trend of 2017. A battle is taking place between American and Arab producers. A clash that is favouring a low price for crude oil with the intent to damage US investments. This deadlock could last for at least the first part of 2017.

    Financial markets do not seem to be undergoing major shocks, but we will also have to wait for the forecasts of the various rating agencies that usually express themselves at the end of December for more reliable information.

    The importance of the cost of money

    There are states that issue bonds with a negative return, in order to keep the cost of money low. The other types of bonds in this way also have low returns and investments are held back.

    The trend of the Italian stock exchange in this early 2017 seems more than positive, the growth figures coming from the European Union, but above all the data coming from Wall Street and its capitalization record and the insistent rumours of a rate increase of interest.

    How much money to invest and for how long?

    Before starting to make money, you should sit down and make an investment strategy that does not put too much risk on our capital, such as to make us earn, to be as differentiated as possible, not as clever as possible, in the sense who must take into consideration how much money we can commit and how long we can keep investing this money.

    Investment tips depending on the amount available

    Earn with small amounts.

    100000 dollars.

    40000 dollars .

    20000 dollars .

    1000 dollars

    200 dollars

    From 10 to 50 thousand dollars

    100 dollars

    Invest according to your risk profile:

    Today all the banks make the risk profile of the customers, that is the possibility of risking their own capital that can put the customer at stake, therefore building a portfolio of securities adequate to the cognitive and capital capacities of the same and on the basis of which they will then propose the financial instruments. The risk profile is based on parameters such as: knowledge of financial markets, knowledge of financial instruments, availability of capital, age of the client, income, type of work performed, the real estate owned by him.

    We have tried to collect articles in which there are the best types of investments for every possible risk profile, here are some ideas about what your risk profile might be:

    • Suitable for a child
    • For a pensioner
    • Low risk for the drawer
    • For the professional trader
    • Choose the most convenient current account
    • The first step for a saver to do is to choose a current account with little expense and offer the greatest number of services possible.

    The Last Words

    Today, like today, banks operating in Italy offer a large number of C / C packages for their clients, according to their risk profile and according to their needs. Current accounts are not real means of investment, even if they bear interest; they are so low that we can consider them more a tool for savings than anything else. We of Economic Italia, we are trying to understand, through reviews and opinions collected online, which are the best current accounts.

  • Reasons Quant Mutual Funds are giving stellar returns

    Reasons Quant Mutual Funds are giving stellar returns

    If you are investing in mutual funds online, you may have come across  quant mutual funds. Quant Small Cap Fund has been in the news for toping all equity funds with a whopping 206% return. Quant Tax Plan Fund and Quant Focused Fund are also gaining popularity. Although the fund house is not very well known yet, its recent performance has certainly garnered enough attention for going beyond expectations. However, this is not due to a stroke of luck but careful endeavors of the asset management company.

    Let’s look at the reasons why Quant mutual funds are giving stellar returns.

    1. Change in management: Quant Mutual Fund was earlier known as Escorts Mutual Fund. Quant Capital bought it over in 2018. The company is presently headed under Sandeep Tandon and was once a part of Reliance Securities. The change of management has contributed to the fund’s growth and made it one of the highest-performing equity mutual funds online. In fact, the fund’s Assets Under Management (AUM) have increased to Rs. 1,855 crore compared to Rs. 235 crore at the time of acquisition.
    2. Competent fund managers: Quant mutual funds are managed by capable and proficient fund managers. Its top fund managers include Drishti Shah, Sanjeev Sharma, Harshal Patel, and Ankit A Pande. Shah has worked with the Securities and Exchange Board of India (SEBI) and is a member of the Institute of Company Secretaries of India (ICSI). Sharma is an expert in forex management and risk mitigation from the London Academy of Professional Education. He has 11 years of experience with Quant Mutual Fund too. Patel is a member of the Institute of Chartered Accountants of India (ICAI). He also has experience in risk mitigation, asset management, corporate banking, etc. Ankit A Pande has worked in equities for over ten years and is a certified CFA.
    3. VLRT strategy: The fund house adopted a VLRT strategy that stands for analyzing valuation, liquidity, risk, and timing. Some Quant mutual funds have a very high portfolio turnover ratio of up to 500-600%. The mutual fund schemes buy and sell stocks frequently and make opportunistic bets. The fund house is not limited to any investment style. Instead, they are able to make quick changes. Quant’s National Sales Head, Anupam Saxena, also said the mutual funds online schemes give “1/3rd weightage to liquidity analytics and risk appetite (risk-on or risk-off) and 1/3rd to valuations”.
    4. Better performance than other small-cap funds: A SIP (systematic investment plan) is popular in Quant small-cap funds for various reasons. Quant’s Sortino ratio is higher than most other small caps in the market. The Sortino ratio is used to determine the fund’s possibility to fall during market corrections. A high ratio indicates that the fund can protect itself from market downside. Another metric that puts Quant mutual funds higher than others is the R-squared. R squared ratio indicates the fund’s performance in tandem with the index. The lower the number, the better it can be as the fund’s capability to outperform the index is higher than merely mimicking it.

    To sum it up

    Quant offers many mutual funds online that you can consider for your future goals as per your risk appetite. The Tata Capital Moneyfy App can help you invest in these funds and several others with great convenience.

  • Top business without investment

    Top business without investment

    In order to assist those who wish to start a business but have limited financial means in doing so, the following are five steps they may take to help them overcome the difficulties listed above.

    Try to maintain your job for as long as you possibly can if at all at all feasible

    To be an entrepreneur, some individuals feel that one must devote one’s whole time and attention to one’s own commercial operation. Others, though, are not convinced. A considerable deal of effort and many hours of hard work are required to achieve success in the real world. But if you are already employed, there is no need that you stop working right away (at least for the time being). Beginning with excitement because you have a better grasp of how the company will be received, as well as the demand for its products, and how the brand will change over time as you gain more information about the market, it is an exciting experience. For business without investment you need to consider the followings.

     During the second step, you should choose a specific area of study in which you are very interested

    Despite the fact that you may not have the required financial means, it is feasible to start your own company. The most important thing to remember is to devote the required time and attention to the task at hand. Choosing the sector in which you wish to work is an important step before beginning your job hunt. This is, in essence, the first stage in the procedure’s progression. In this instance, the question is not “What is the best business to make money in?” but rather “What is the most profitable industry to make money in?” The issue being explored is “What is the most lucrative sector to make money in?” The inquiry states that the question is “What sectors do I already have skills and expertise in, and how can I earn money in those businesses?” The inquiry further states that the question is “What sectors do I already have talents and experience in, and how can I make money in those businesses?”

    Fulfilling all of your responsibilities at your place of residence

    According to the PEGN website, it is possible to identify numerous instances of entrepreneurs who started their enterprises in a small room in their own home and eventually expanded. As a result of the reduction in overhead, it will not only become more feasible, but it will also become less costly due to the savings in lighting, water, power, and renting space that will be realized as a result of the drop in overhead. Create a website on a free or low-cost platform and use social media to market your product or service after you have determined your goals and products, and after you have determined your goals and products, after you have determined your products and services. Giving a first taste of the product to a small number of close friends may be a wonderful experience, especially if it allows you to judge how the product will be accepted by a larger audience.

    Using social media sites to reach out to customers (make sure you use the business account!) is a great way to build your brand and build relationships with your customers. When a consumer sees a basic list of accessible products and services selections, as well as when they get automatic responses during their initial contacts with the organization, customer acquisition is made easier.

    Implement, test, and re-implement your solution as many times as necessary

    Understanding what works and what doesn’t work during the first few months of operation can assist the organization in identifying areas where it may make changes to its current operating procedures. In order to determine the most lucrative road to profitability, you must first get input from customers. They will tell you whether or not your product works, what alternative items they would want you to manufacture, and what their most urgent requirements are. Following the receipt of this information, you will be better prepared to do more study and eventually choose the product or service that has the greatest likelihood of success in the marketplace. As a consequence, the creation of approaches and actions for providing items to customers as quickly and effectively as feasible would be required.

    The fifth step is to design plans for the company’s future growth and development

    Soon after your company has shown that it is capable of standing on its own two feet, you will realise that you have more time on your hands to think about long-term aims and strategies, and you will be able to put those plans into action. It is anticipated that the organisation will benefit from clarifying roles and responsibilities, as well as the elimination of day-to-day operations, which will free up resources to develop innovative ideas to attract new clients, launch more ambitious initiatives, and investigate additional job opportunities. Based on the fact that your firm is now successful, you may be in the position to allocate a portion of this revenue toward expansion initiatives, which will enable you to expand your product or service offerings into new market segments. Moreover, it is possible that you will attract the attention of an investor who is eager to assist financially to the development of your firm.

  • A Suitable Wedding Budget In India

    A Suitable Wedding Budget In India

    An Indian marriage is an occasion where people tend to spend out of their budget. Very often, the plans for a wedding are far beyond the financial capacity of the parents. However big the plans are for splurging for your child’s marriage, ideally there should be a budget for spending.

    While you are planning a marriage, you should start with all the possible sources of financing for the occasion at the initial phase of the planning. The source can be family members, bride and groom themselves, or a borrowed fund in the form of a Personal Loan available from all leading financial institutions.

    The most crucial part of a marriage plan is to organize a successful budget wedding. There are two distinct steps that you need to take for the same. They are:

    Step 1: Put a cap on the total spending budget for the wedding.

     

    Step 2: Identify high-cost functions in the wedding and mitigate your expenses in those aspects. Some of the big-budget expense factors are as under:

    • Wedding Date – if you want to reduce the overall wedding costs, you may plan in a less popular time of the year, like summers, where prices tend to be lower than the marriage season, which falls in the winter months.
    • Events In the Wedding – events like sangeet, mehendi, reception, etc., are an integral part of any wedding ceremony. However, clubbing with some events and organizing some of the events in your home will help reduce costs.
    • List of Invitees- the guest list needs to be done with utmost care. This has a direct impact on your catering expenses. You need to maintain the right balance to ensure you are not inviting more people than are required.
    • The Venue of Wedding- local banquet halls come cheaper than fancy marriage venues. You may be advised to check on those to keep the cost under control.
    • Food- make it very clear with your caterer that you want basic food and impress upon the quality rather than an elaborate menu.
    • Décor- itis better to have a traditional décor than a themed one. That will keep your budget under control.
    • Shopping –spend judiciously on the main items like jewelry, wedding clothes. This will result in saving on your overall cost.

    Budget Wedding Cost Matrix:

    It will be wise to put a matrix around the same and allocate the maximum percentage of the entire budget that you will spend on each of the heads of expenses. That will help track the budget that you have set for the wedding.

    The table given below gives you a suggested budget allocation:

    Heads of Expense % Allocation Particulars
    Ceremony 5 ·         Cost of Venue

    ·         Logistics for Guests
    Reception 40 ·         Cost of Venue

    ·         Catering

    ·         Cost of Events

    ·         Expenses Towards Beverages

    ·         Cost of Travel To &Fro Residence to Wedding Site
    Music/Entertainment 5 Cost of DJ/Live Performers
    Décor 15 ·         Mandap Decoration

    ·         Flowers

    ·         Linens and Covers for Chairs and Tables
    Wedding Dress/Accessories 15 ·         Cost of Bridal Dress

    ·         Bridal Makeup Expenses

    ·         Cost of Jewellery
    Photo/Videography 10 Professional Fees to be paid for photo & videography
    Stationary 4 Cost of Invitation Cards
    Miscellaneous 6 Little cost items that come in at the last moment

     

    To make your dream come true, Personal Loans in the form of Marriage Loans are available from all leading financial institutions. But a loan will add to your monthly cost as a liability of EMIs. You need to check the Personal Loan rate of interest by accessing the Personal Loan EMI Calculator embedded on the websites of lending institutions. That will help you in your financial planning.

    To sum up, it may be stated that while making plans for a budget wedding, plan events and functions which are essential and go for extravagance only when all your bases are covered.

  • Invest Money for old-age Provision

    Invest Money for old-age Provision

    Investing money is an art and best practice. People must aware about this only when you have settled your debts and looked after reserves can you take care of your retirement savings. As an employee, you are usually compulsorily insured through statutory pension insurance. However, the statutory pension will generate less and less income in old age in the future. Therefore you have to make additional provisions. This can be done, for example, with the pension, with the state-funded pension or with a company pension scheme.

    For those who prefer to make private provision without receiving special support, choose, for example, classic or unit-linked private life or pension insurance. You pay the contributions for this from your net salary. However, consider whether you can pay the sum constantly over several years. If your income is not secure because, for example, you only have a temporary employment contract, you may not be able to pay the installments at some point.

    As a saver, you can of course also save flexibly without any life or pension insurance. This is possible, for example, with a savings plan on exchange-traded equity index funds. Think about how much money you can and would like to put aside each month. Not everyone is ready to make noticeable cuts in everyday life. For a better estimate of how much money you should save, you can use the pension estimator of the Institute for Retirement Provision. Even small installments of 50 to 100 dollars can be invested in an ETF. It is important to stay in the long term and choose a fund that bundles as many different stocks as possible to compensate for fluctuations.

    Tip: As you get older, you should move from building up to securing your assets. Anyone who owns a securities account gradually shifts: from high-risk equity funds to low-risk investments, such as open-ended real estate or pension funds.

    Open a life insurance policy

    Taking out a life insurance policy is often recommended to those who decide to take shelter from any future unexpected events and unwanted events. Today there are several agencies that offer investment plans able to meet all needs, so much so that sometimes the payment of a small monthly fee is enough to cover themselves or their family members from the occurrence of possible accidents for example death, disability, accidents, job loss etc.

    Rely on a professional

    If the financial planning of your expenses is anxious or if you are simply afraid of not doing enough, you can always evaluate the idea of ​​being followed by an expert. A serious and reliable financial advisor, being a professional in the sector, can help in all this.

    Last Words

    A recent Northwestern Mutual survey confirmed that people who are assisted by a financial advisor, and who together with a professional identify valid tools and strategies for planning their investments, are less afraid to face the future. They manage their savings more confidently and face life with more confidence and stability, both financially and personally. Because money will not make you happy but, certainly, knowing that you have a little bit of it when things go wrong can certainly help you live better.

    Invest is important for all which is essential at the time of old age, Time is very short in our life and we can say that time is money. investing is required time to time in our every station of our life. during our old age, it will help to manage our life otherwise people’s life will be valueless. This is the best time to think about the importance of investment targeting the old age vision. Everyone must note it to get the things done for our better future.

  • Need Cash But Have Bad Credit: Choose Bad Credit Cash Loan

    Need Cash But Have Bad Credit: Choose Bad Credit Cash Loan

    Need Cash But Have Bad Making late payments can be a lot of trouble and if you’re going to such an exhausting situation right now then you can get a quick cash loan. Bad credit loans are the best way to achieve and increase the credit score and show your lenders that you will be able to pay this loan back effectively. If you have a poor credit history then there are chances that Financial Institutions will not be interested in giving you the loan but this will not be a problem for you if you go for the option of a bad credit cash loan.

    In this article, we will discuss why you should choose bad credit quick cash loans and how they can be beneficial for you.

     1. Catching Upon An Outstanding Debt

    This process is also known as consolidating and the advantage of lending money is that you can consolidate all of the Other debt. If you are not familiar with this terminology them it means that you will be able to pay a lot of small amounts of different loans so that the entire capital is with the same lender. 

    Performing this process also helps you to reduce the average interest rate among different Financial Institutions in which you are involved. In the long run, it will make things easier for you to have a single payment deadline instead of having a lot of different payment dates throughout the month. If you are going through a financially troubling situation and have bad credit then this is the perfect loan option for you.

     2. Access To Emergency Cash

    Whether you are a business owner or not there are chances that you might need emergency cash to buy inventory for your business or some other purpose. If you are someone who has to deal with monthly payments then you can easily fall victim to poor cash flow. When this happens people are not left behind with enough money so that they can have cash for their day-to-day life. It is important to keep in mind that it also includes the amount of money that someone needs for their basic expenditure is like food or gas. 

    The disposable income can be out of the question in such a scenario that will stop in such a situation of bad credit loan will be the right option for you to get access to much needed to access cash in emergency cases. This way you can improve the quality of your life and still make a progress towards a better future. There will be hope for you to have a better spending history after paying off this loan because it has flexible dates to pay it off.

     3. A Better Future

    If someone has a low credit score then they need to notice how the loan will be behaving. In the beginning, they may drop the school by just a couple of points because the lender debt to Income ratio will change. This way they will have to give more money to the lender. Their credit score will start to rise once they start to make the payments.