Showing posts with label AARPA. Show all posts
Showing posts with label AARPA. Show all posts

21 September 2017

Happy Navratri 2017




aarpamoney navratri

15 June 2017

Romance with Fixed Deposit but marry SIP

aarpamoney trade

Imagine you are moving at 10 km per hour and your friend is moving at 11 km per hour.After 6 minutes they are only 100 m (1/10th of 1km) apart which is not very significant. You can literally see each other.After an hour you are 1 km apart. You can no longer see each other but still you aren’t all that far from each other. If you wish you can meet each other easily.But after 10 hours you are 10 km apart and after 100 hours you are 100 km apart.Now you are in two different cities. It’s too far to meet each other. Perhaps you have to speak over phone.Likewise investing in a fixed deposit of 6% per annum or investing in a mutual fund of 10-15% per annum does not make a huge difference when invested for a period of 1 year or even for that matter for a period of 2 years.However, if you were to invest for a period of 10 years to 15 years, the 4-9% difference but nearly 100-200%.

Hope this explains why even a 4-9% difference in returns cannot be ignored in the long term  and moreover why Equity mutual fund is a more appropriate asset to invest in rather than a Fixed Deposit.



13 April 2017

Income Tax Slab Rates For FY 2017-18



Income Tax Slab Rates for FY 2017-18 (AY 2018-19) 
  
Part I: Income tax slab for individual tax payers & HUF below 60 years 
  
Income SlabTax Rate
Income up to ₹ 2,50,000No Tax
Income from ₹ 2,50,000 – ₹ 5,00,0005.00%
Income from ₹ 5,00,000 – 10,00,00020.00%
Income more than ₹ 10,00,00030.00%
Surcharge: 
10% of income tax, where total income is between ₹ 50 lakhs and ₹1 crore. 
15% of income tax, where total income exceeds ₹ 1 crore. 
Cess: 3% on total of income tax + surcharge. 
  
Part II: Income tax slab for individual tax payers & HUF 60 yrs to 80 yrs 
  
Income SlabTax Rate
Income up to ₹ 3,00,000No Tax
Income from ₹ 3,00,000 – ₹ 5,00,0005.00%
Income from ₹ 5,00,000 – 10,00,00020.00%
Income more than ₹ 10,00,00030.00%
Surcharge: 
10% of income tax, where total income is between ₹ 50 lakhs and ₹1 crore. 
15% of income tax, where total income exceeds ₹1 crore. 
Cess: 3% on total of income tax + surcharge. 
  
Part III: Income tax slab for super senior citizens (80 years +) 
  
Income SlabTax Rate
Income up to ₹ 2,50,000No Tax
Income up to ₹ 5,00,000No Tax
Income from ₹ 5,00,000 – 10,00,00020.00%
Income more than ₹ 10,00,00030.00%
Surcharge: 
10% of income tax, where total income is between ₹ 50 lakhs and ₹1 crore. 
15% of income tax, where total income exceeds ₹1 crore. 
Cess: 3% on total of income tax + surcharge. 
*Income up to ₹ 5,00,000 is exempt from tax if you are more than 80 years old. 

For More Information on tax slab and detail kindly Visit https://incometaxindiaefiling.gov.in/

16 December 2016

What is Equity Linked Saving Schemes (ELSS) ??

save tax
Equity linked saving schemes (ELSS), these schemes are open-ended growth schemes with a mandatory 3-year lock- in. These schemes offer the benefit of section 80(C) of IT Act, up to a maximum of Rs 150,000 
The main features of ELSS are - 
Repurchase: Repurchases are permitted after a period of 3 years.
Lock-in-period: The units under ELSS are prohibited from trading, pledging and transfer during the lock in period of 3 years.


For More Information 
+91 9892770630
Email : invest@aarpa.in

09 December 2016

How is InvestActive "A Balanced Approach"?

Equity investments often tend to develop a bias - too much trading or too much long term, too much of a sector or too little of a style, or too much diversification. All of these tend to create sub normal returns for investments over the medium to long term. InvestActive attempts to bring you the best of opportunities in a balanced fashion - with a little bit of each in the right quantities. Our back testing shows that our allocations, while sounding simplistic, can generate above market returns with its 'core' and 'satellite' approach. InvestActive presents a well balanced exposure to these different strategies to ensure that a part of your investments is always working to generate money, irrespective of the overall market mood.

30 November 2016

Why opening account at Prabhudas Lilladher ..???




Research Desk

PL's research is known to be the best in the Indian financial industry. The Research Desk is comprised of dedicated teams for technical and fundamental research, conducting painstaking research to beat the market time and again. The lab has internally developed analytical tools and models that have consistently provided clients an edge over the market. The findings of the research team take shape in the form of our various daily, monthly and quarterly; fundamental & technical research reports.

Multiple Trading Modes

23 December 2015

How to read & understand a co. Balance Sheet

How to read and understand a company’s Balance Sheet 
Introduction
Balance Sheet is the true starting point for understanding a company’s financial position. It shows how much a business it owns (its assets), owes (its liabilities), and how much equity is leftover for the owners at a specific point in time
Reading the Balance Sheet 
In this article we have tried to capture few basic points which must be kept in mind whilst reading any company’s balance sheet, which will help the reader assess the company’s financial position.
Liquidity and Solvency 
Liquidity is a company’s ability to meet its short-term obligations, such as its working capital needs and its debt obligations. Solvency is a measure of the company’s ability to sustain its activities over a longer period of time. In order to assess liquidity, one key ratio is used, namely current ratio, which is company current assets divided by current liabilities. Current assets include cash, cash equivalents, securities, accounts receivable, inventory, and any other assets that can be converted into cash or used up within the current period. Current liabilities are what a company needs to pay off over the coming year. A good ratio varies from industry to industry. 

For example, in the banking industry, an ideal current ratio would be 2:1. That is, the company should have twice as many current assets as liabilities. In order to assess solvency, one has to look at the level of total debt relative to the equity used to capitalize a business by its owners. This ratio is known as debt-equity ratio and varies from industry to industry. 

Tangibles versus Intangible assets 
This is seen to understand what would happen if the company is forced to liquidate an asset. Hence, one must analyze whether a company’s assets are tangible or intangible. Tangible assets are physical in nature and include cash, inventory, buildings, equipment and accounts receivable. Intangible assets are items like patents and trademarks. One has to ascertain that if the company has made excess payments in terms of fair value of its assets and if things went bad it would not be able to recover adequate cash against the same. 

Other key ratios for assessing inventory and receivables 

• Inventory Turnover = Cost of Goods Sold divided by Average Inventories 
• Receivables Turnover = Sales divided by Average Accounts Receivable 
• Total Asset Turnover = Sales divided by Average Total Assets 

One can compare assets, liabilities and equity as a percentage with total assets. These percentages should be compared over a period of three years to spot changes. If inventory was 10 per cent of total assets last year and 12 per cent of total assets this year, one now knows that inventory grew faster than total assets and can then investigate why that is so. Another area to look at closely is receivables. If they’re increasing faster than revenue, that may be a signal that the company has a problem with collections and whether it is increasing its allowance for doubtful accounts at a fast enough pace.

For more Information contact Rahim - invest@aarpa.in  
contact at  +91 8898737351
source: plindia

15 December 2015

How to read & understand a co. Balance Sheet

How to read and understand a company’s Balance Sheet 

Introduction
Balance Sheet is the true starting point for understanding a company’s financial position. It shows how much a business it owns (its assets), owes (its liabilities), and how much equity is leftover for the owners at a specific point in time

Reading the Balance Sheet 
In this article we have tried to capture few basic points which must be kept in mind whilst reading any company’s balance sheet, which will help the reader assess the company’s financial position.

 Liquidity and Solvency 
Liquidity is a company’s ability to meet its short-term obligations, such as its working capital needs and its debt obligations. Solvency is a measure of the company’s ability to sustain its activities over a longer period of time. In order to assess liquidity, one key ratio is used, namely current ratio, which is company current assets divided by current liabilities. Current assets include cash, cash equivalents, securities, accounts receivable, inventory, and any other assets that can be converted into cash or used up within the current period. Current liabilities are what a company needs to pay off over the coming year. A good ratio varies from industry to industry. 

For example, in the banking industry, an ideal current ratio would be 2:1. That is, the company should have twice as many current assets as liabilities. In order to assess solvency, one has to look at the level of total debt relative to the equity used to capitalize a business by its owners. This ratio is known as debt-equity ratio and varies from industry to industry. 

Tangibles versus Intangible assets 
This is seen to understand what would happen if the company is forced to liquidate an asset. Hence, one must analyze whether a company’s assets are tangible or intangible. Tangible assets are physical in nature and include cash, inventory, buildings, equipment and accounts receivable. Intangible assets are items like patents and trademarks. One has to ascertain that if the company has made excess payments in terms of fair value of its assets and if things went bad it would not be able to recover adequate cash against the same. 

Other key ratios for assessing inventory and receivables 

• Inventory Turnover = Cost of Goods Sold divided by Average Inventories 
• Receivables Turnover = Sales divided by Average Accounts Receivable 
• Total Asset Turnover = Sales divided by Average Total Assets 

One can compare assets, liabilities and equity as a percentage with total assets. These percentages should be compared over a period of three years to spot changes. If inventory was 10 per cent of total assets last year and 12 per cent of total assets this year, one now knows that inventory grew faster than total assets and can then investigate why that is so. Another area to look at closely is receivables. If they’re increasing faster than revenue, that may be a signal that the company has a problem with collections and whether it is increasing its allowance for doubtful accounts at a fast enough pace.

For more Information contact Rahim - invest@aarpa.in  
contact at  +91 8898737351
source: plindia
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