Trading Aspirants

  Single parents have unique challenges. SIPs can take care of the financial ones. Marriage, becoming a parent, raising children - all of these bring to mind positive images. That's why most of us are naturally drawn to them. However, life is more complicated than it appears. There are many among us who have lost their partners due to death or separation. They now have the sole responsibility of raising their children. This could be difficult, both emotionally and financially. Overcoming the trauma of the loss of the partner is the first step that single parents must take. The next challenge is related to the income and finances. After the loss of their partner, single parents may now have less or no income. They may have little idea about investing if investments were handled by their partner. Further, they have to raise children and provide for their upbringing and expenses. These challenges may seem to be insurmountable. But there is hope. Take one step at a time. See how you ca...

Here are six things that you should keep in mind while looking at your fund statement. A mutual fund statement is pretty much like your bank account statement. It is a complete summary of your mutual fund investments. While formats and layouts may vary across fund houses, the basic components remain the same. 1. Keep a record of your folio number. It is your reference number for the investment made. Each time you make an additional investment in an AMC, ensure that the folio number is the same. This will make it easier to track all your fund investments with a particular fund house. If you don't use the same folio number, you will have many folio numbers over time and this will make tracking your investments difficult. 2. Ensure that the name of the bank and the account number are correct to avoid facing problems at the time of redemption. 3. Make sure you are KYC compliant and have made your FATCA declaration. FATCA is a US law and as per an India-US treaty, Indian fund investors ...

Many women still don't like to handle investments. It's time this changed!! Women are fast bridging the gender gap in most professions. It's common to find women in areas which were once considered to be male bastions. However, many women are still hesitant to handle investments. Many depend on the male member in their families. The primary reason for this is the legacy of stereotypical gender roles, wherein managing finances has long been considered a man's domain. Unfortunately, many women grow up with these stereotypes deeply ingrained. This makes it difficult for them to become a confident investor. While it's always an advantage that the male member in a family is financially educated, it's doubly beneficial when the woman also is financially prudent. A wise, financially literate woman can steer the entire household towards prosperity. Making returns from one's investments has nothing to do with one's gender. After all, your mutual fund doesn't ...

Mutual funds are meant to simplify the tasking of investing, but choosing the right one can itself intimidate many. Here's a primer to help you With so many categories of mutual funds, fund houses, and schemes available, choosing a mutual fund is not an easy task for many investors. The best way to begin is to decide on a method to narrow down on the right fund for you. Rarely do investors who do something else for a living employ a systematic checklist to evaluate a fund they are considering buying. Here is our blueprint for a structured approach to fund selection. There are five areas that you must evaluate to decide whether a particular fund is a good investment. Performance:  Performance comparisons must be used only to compare the same type of fund. They are meaningless otherwise. Only when used within the same category of funds do performance numbers tell you anything at all. By the time you reach the stage when you are comparing performance numbers of different funds, you sh...

For a sake, At the age of 36, you have already built all the foundational things required for investments. Fixed deposits, Post Office Saving Schemes and EPF are dominantly fixed income and are of the highest safety available in this country and hence, makes for a good foundation. Since you are 36 now, you still have a couple of years before you retire at 58, 60 or 62, depending on where you work or till when you can work. If for this duration you keep investing about Rs 2 lakh a year in NPS without touching it, then your retirement should be taken care of. For buying a house in three years, check a few things. First, you should buy a house that will help you save on the rent. So, if you are living in rented accommodation, then you should think in terms of buying a house that will immediately or in a defined period should be able to help you save on the rental outflow. Secondly, you should have your down payment to an extent that EMI is not exceeding a third of your income. If these tw...

When the future appears bleak, the past provides hope. And the markets have recovered from every past crisis The coronavirus outbreak is an unprecedented human crisis, the effects of which are being felt around the world. Not only have the stock markets around the world corrected in anticipation of material business disruption, but life itself has virtually come to a standstill. Governments around the world have announced relief measures, with massive spending lined up. Entire countries have been locked out. The United Nations secretary general Antonio Guterres has called COVID-19 the worst crisis since the Second World War. Amid such a situation, it's normal for investors to panic and look for a solution. In the month ending March 2020, the Sensex fell 23 per cent, reaching levels last seen in 2016. Though it has seen some recovery since, its daily swings have resembled those of some mercurial small cap. And our leading market index is not alone. Even the S&P 500, which compri...

What is a share? The capital of a company is divided into shares. Each share stands for a unit of ownership. These shares are offered for sale when an organization needs to raise funds. An Initial Public Offering means that a company is making a portion available for traders or investors to buy. Companies benefit from this exercise as they receive the required funds for different purposes. Here are the reasons why people invest in share market: Wealth Creation Future Opportunities to own Portfolio diversity Minimizing loss Easily accessible money Combating risks Added benefit of dividends

Types of IPO: Fixed Price Issue Book Building Issue The issues differ on these factors which are tabled as below. Fixed Price Issue Book Building Issue   Pricing   The Share Price Is Fixed On The First Day Of Issue And Is Printed In The Order Document.   The Exact Share Price Isn’t Fixed. Only The Price Band Is Fixed. The Price Is Fixed After The Closing Date Of The Bid.   Demand   It Is Known Only After The Close Of Issue.   It Can Be Known Every Day.   Payment  The Payment Should Be Done 100% In Advance. Refund Is Given After The Allocation.  The Payment Can Be Made After The Allocation.   Reservations  50% Of The Allocations Are Reserved For Investments Below 2 Lakhs, And The Rest For High Amount Investors.  50% Of Allocations Are Reserved For The QIBs. 35% For Small Investors And The Rest To Other Categories Of Investors.

Technically speaking, any adult who is competent to enter into a legal contract is eligible to apply in the IPO of a company. Of course, it is essential that you have a PAN card issued by the Income Tax department and you also have a valid d emat account. Remember, having a trading account is not necessary in case of IPOs, a demat account alone is sufficient. However, if you want to sell the shares on listing then trading account will be required. That is why brokers will advise you to open a trading account along with demat account when you apply for an IPO for the first time. An important point to be remembered here! When you apply for an IPO, it is not an offer but an invitation to offer. Only when the IPO issuer offers you shares, it amounts to an offer.

If you have bought an IPO for the company, you are exposed to the fortunes of that company. You bear a direct impact on its success and loss It is this asset of your portfolio which has the highest potential to reward the returns. On the flip side, it can sink your investment without a sign. Remember stocks are subjected to the volatility of the markets You should know that a company which offers its shares to the public is not indebted to reimburse the capital to the public investors You should weigh up your potential risks and rewards before investing in an IPO. If you are a novice, read up an account from an expert or a wealth management firm. If still in doubt, talk to your personal financial adviser.                                                                             ...

Offering an IPO is a money-making exercise. Every company needs money, it may be to expand, to improve their business, to better the infrastructure, to repay loans, etc Trading stocks in the open market mean increased liquidity. It opens door to employee stock ownership plans like stock options and other compensation plans, which attracts the talents in the cream layer A company going public means that the brand has gained enough success to get its name flashed in the stock exchanges. It is a matter of credibility and pride to any company In a demanding market, a public company can always issue more stocks. This will pave the way to acquisitions and mergers as the stocks can be issued as a part of the deal.                                                                💹Angel Broking🌐

IPO means  Initial Public Offering. It is a process by which a privately held company becomes a publicly traded company by offering its shares to the public for the first time. A private company, that has a handful of shareholders, shares the ownership by going public by trading its shares. Through the IPO, the company gets its name listed on the stock exchange. A company before it becomes public hires an investment bank to handle the IPO. The investment bank and the company work out the financial details of the IPO in the underwriting agreement. Later, along with the underwriting agreement, they file the registration statement with SEC. SEC scrutinizes the disclosed information and if found right, it allows a date to announce the IPO.                                       💹Angel Broking🌐

Companies typically go public to raise huge amount of capital in exchange for securities. Once a private company is convinced about the need to become a public company, it kick-starts the  process of IPO.  Companies which want to go public follow a process that exchanges adhere to.   The  IPO process is quite complicated.  So, what are steps to tread to make an initial public offer? One should note that the entire IPO process is regulated by the ‘Securities and Exchange Board of India (SEBI)’.  This is to check the likelihood of a scam and protect investor interest.  Step 1: Hire an investment bank Step 2: Register with SEC Step 3: Draft the Red Herring document Step 4: Go on road show Step 5: IPO is priced Step 6: Available to public Step 7: Going through with the IPO                                                💹An...

Companies go public to raise money. It gives them financial capital, that they can use to clear off debts, improve the infrastructure, invest in research and development of new products, introduce new products and so on. Apart from that, the increased financial scrutiny during the process of going public will get them better debt rates when they are issuing it. And if the company’s stocks are in demand, there is always scope for mergers and acquisitions. The terms of negotiations can be in stocks. The demand also attracts the company’s top talents as the company can offer stock options as reimbursement. The company gets credibility and visibility after it gets listed on the stock exchange.                                                                                     ...

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Q:  I have a saving of around Rs 10 lakh. Would it be wise to use the amount to buy a house with the help of a home loan? I am currently living on rent and paying Rs 17,000 for it. My monthly take-home salary is around Rs 72,000. A:  Yes, a home loan is the only thing that I suggest people should borrow. And more so for a person like you who will be able to buy the house, live in it and save on that Rs 17,000 which is the rental outflow. Never consider buying a home as a second home or as an investment wherein you are unlikely to live. That's not a good idea.   So, in this case, it makes eminent sense. Just do your calculation. Make sure that you are not paying more than a third of your income of Rs 72,000 divided by three. So, Rs 24,000 should be your maximum EMI.  I am just framing it so that you do not lose onto the basic framework of financial prudence. So, you have to wait to buy a house wherein your down payment is such that the instalment or your EMI f...

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