The World This Week: July 8 - July 13, 2013

The World This Week July 8 - July 13, 2013 from Karvy Private Wealth

The World This Week June 24 - June 29, 2013

The world this week June 24 - June 29, 2013 from Karvy Private Wealth

The World this Week: August 27 - August 31, 2012

Learn from your Past

Are you looking for a special plan for your investment? or you just want to spend on something which has no relation with your past investments? The answer is clear! You would always prefer referring to the mistakes you have done and then correcting it by not implementing it on your next plan. This is obviously what you would want to do and probably you will do.

 

Remember your past is the best healer of your present. It comes up with lot of experience and knowledge which you can use and later execute in your plans. It is the best way to learn and a proper technique can be built from it so that you get the desired results. For that, you need to jot down what has helped you the most and what has not given you the needful output. If you know that, you can then generate a new idea for yourself. This idea will be a filtered idea where you will avoid making any previously done mistakes and start with a fresh but matured ingredients.

Significance of your past is that, you will always learn from you. So you better don not ignore it as it will some or the other day help you in solving your confusion and move ahead in the strategy. If you think you cannot overcome your past mistakes and don't know how to solve it, contact wealth experts at Karvy Private Wealth.

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Top-Level Investment

Remember the time when you used to play video games and every time you cleared on level, you reach to other and later you come to a place where you have no other option than to revive your strategy. Every level of your game, you shifted your strategy and upgraded it as per the situation. The same thing is with the top-level investment where you reach at a level which needs a total new strategy and plan.

The time where you do not upgrade your strategy and move from one level to another, it is obvious that you would not succeed in your execution and you might fall at some or the other time. Being at the top-level needs a very good understanding of the market and whoever has reached to that stage can be termed as a perfect investor. This is only possible when you have been through every stage of investing and succeeded at every level.

Top-Level Investment does not only mean that it's about high-end strategy with high cost implementation, it also means creating your goal with a right target in mind and using right amount of fund to shell out. This looks easy but it isn't. Nothing will go right unless and until you plan it out well and understand the situation to the deepest. It's an expert who can get you a right kind of offers with accurate amount that you need to put on. The expert will give you full fledged detailed analysis of the market which will help you decide on your investment plan.

Therefore, Top-Level Investment does not mean you invest at your risk and wait for result. It means making right decision irrespective of who's guidance you are taking.

If you want to know more visit us:


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Risks of High-Yield Investing

High-yield investments also have their disadvantages, and investors must consider higher volatility and the risk of default at the top of the list. Fortunately for investors, default rates are currently around 2.5 to 3% (as of August 2012, according to Fitch Ratings), which is near historic lows. However, you should be aware that default rates for high-yield mutual funds are flawed. The figures can be manipulated easily by managers because they are given the flexibility to dump bonds before they actually default and get downgraded and to replace them with new bonds.

How would you be able to assess more accurately the default rate of a high-yield fund? You could look at what has happened to the fund's total return during past downturns. If the fund's turnover is extremely high (over 200%), this may be an indication that near-default bonds are being replaced frequently. You could also look at the fund's average credit quality as an indicator; this would show you if the majority of the bonds being held are just below investment-grade quality at 'BB' or 'B' (Standard & Poor's rating). If the average is 'CCC' or 'CC,' then the fund is highly speculative ('D' indicates default).

Another pitfall to high-yield investing is that a poor economy and rising interest rates can worsen yields. If you've ever invested in bonds in the past, you're probably familiar with the inverse relationship between bond prices and interest rates: "as interest rates go up, bond prices will go down." Junk bonds tend to follow long-term interest rates more closely; these rates have recently stabilized, thus keeping investors' principal investment intact.

During a bull market run, you might find that high-yield investments produce inferior returns when compared to equity investments. Fund managers may react to this slow bond market by turning over the portfolio (buying and selling to replace the current holdings), which will lead to higher turnover percentages and, ultimately, add additional fund expenses that are paid by you, the end investor.

In times when the economy is healthy, many managers believe that it would take a recession to plunge high-yield bonds into disarray. However, investors must still consider other risks, such as the weakening of foreign economies, changes in currency rates and various political risks.

Source: http://www.investopedia.com/

The world this week august 20 - august 24 2012

The world this week august 20 - august 24 2012 from Karvy Private Wealth

Are you on a Right Track?

Investment is when you purchase goods with a certain amount of money for gaining a substantial future wealth.

It may sound like a simple term but it actually involves complex calculations, where you select an optimum scheme that suits your investment options, understand the conditions that apply to that scheme and then carefully invest. It does not end there; you need to keep a close eye on your investment from time to time to see if your asset is in good hands. If you see your investment is deteriorating due to market conditions then withdraw your assets and invest it in a scheme where it is lucrative. The ultimate goal of your investment is to know if “you are on the right track”

You need to be vigilant with regards to the market conditions as they might affect your investment to a great extent. One must also understand that there are various ways of investing money, and you can always have a backup plan. So in case your original plan fails, you have a plan B ready to be executed at the appropriate time. Every little step needs to be measured and calculated with time. No one understands your wealth more than you do and hence choose a scheme that suits you best; more importantly suit your monetary needs. In order to be a ‘Smart Investor’ you should always allocate your wealth wisely.

The World this Week: August 13 - August 17, 2012

The World this Week: August 13 - August 17, 2012 from Karvy Private Wealth

Insurance & its myths

Life Insurance is not easy. It is also not difficult if you have a total knowledge about it. What you need to do is unfollow some of the myth about insurance and understand it from the core. These myths are spread across the investors and hence lets talk about these myths so that you just refer and wipe it from your mind. Followin are some of the myths which you would also relate to:

1. I am Single & there is no one dependent on me, so why do i need insurance!
2. My Life Insurance Coverage Needs Only Be Twice My Annual Salary
3. My Term Life Insurance Coverage at Work Is Sufficient
4. The Cost of My Premiums Will Be Deductible
5. I Absolutely MUST Have Life Insurance at Any Cost
6. I Should ALWAYS Buy Term and Invest the Difference
7. Variable Universal Life Policies Are Always Superior to Straight Universal Life Policies Over the Long Run 
8. Only Breadwinners Need Life Insurance Coverage
9. I Should Always Purchase the Return-of-Premium (ROP) Rider on Any Term Policy
10. I'm Better off Investing My Money Than Buying Life Insurance of Any Kind

There are quite more myths and misinterpretations about insurance. What's important that your life is always at risk and at no point you would know will happen next. Hence, forget the myths and analyze the importance of Insurance. 

Want to know more?

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Source: www.Investopedia.com

Are you hungry...for returns?

You crave for food when you are hungry and you crave for returns when you are hungry for revenue. This happens when you have a very high expectations with your investments and you urge for more. Investment can be done only when you have that right amount of fund implemented at right place with proper understanding of it. The hunger for returns will get fulfilled only when you are convinced. If you are not convinced with the returns you are getting, that means either you have invested at wrong place or you are dreaming more than you actually should.

 

When you are hungry, you like whatever is kept on your plate and you easily eat it. But when you are done with it, you quite dislike the same thing you liked few minutes back. Same is with investment. When you are hungry for returns, whatever investment source is been displayed, you tend to accept it and invest. Later you realize it is not as good as other source. This happens only when you have not analyzed and understood about it. Later you repent.

The right way to fulfill your hunger is eat slow, eat fresh and eat by knowing the fact that you will soon find it less pleasurable. Whatever you have got, you have got it as per your investment and market conditions at that time. Hence if you want to fulfill your hunger, chose a right strategy and think of future, Ans if this is not possible, let us know.

You Love Benefits? Here are some!

Benefits in life are our habits and without any benefits there is no re-enforcement which will take place. When you are searching for a piece of paper, you would always want it to be either a denomination or a pay cheque. This is nothing but a benefit you are looking in that paper. Be it anything, whatever you search or you find, there is one or the other benefit which leads you to take another step.

There is no harm in attaining the benefits as there is always a need for persuasion in any kind of work. No doubt about how much you love benefits and how much you seek for it. But what is important that, is it a right kind of benefit you are looking for or it's juts a small term return you are getting. Being greedy is one thing and being greedy with knowledge is other. Some benefits just look good from outside but are of no value if you go deep.

There for just one thing that you need to know that , always chose a point where you are looking for a right benefit after having a right amount of knowledge of it. If you are not able know, the it's better to consult an expert. Karvy Private Wealth deals with such kind of benefits and our experts just don't let you down with it.


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A close look at the future of Indian economy

United Nations, Economic and Social Survey of Asia and the Pacific (ESCAP) report outlines defining factors that project growth and stability of Indian economy and surrounding regions in the Asia-Pacific.For India, ESCAP puts forward a positive outlook for increased GDP growth in 2012 as compared to 2011.

Inflation remains one of the key things to watch out for in 2012. Until recently RBI has increased raise policy rates 13 times in 19 months. For the first time in many months, the policy rate was reduced by50 basis points, hinting towards an easing monetary policy. As the government and RBI loosen their death grip over monetary and fiscal policies, ESCAP has a positive outlook for growth in 2012.

On the brighter side, despite tighter monetary policies that directly impacted personal consumption and demand, GDP grew by 6.9% in 2011. The ESCAP survey talks about reducing the impact of inflation on the poor by strengthening the government’s already existing policies to increase distribution of food items at subsidized prices.

Fiscal and budget deficit are challenges that India Inc will have to deal with rigorously. The government has already put targets in place to reduce budget deficits, however failed to achieve them for 2011 due to higher than expected expenditures.

The ESCAP survey acknowledges that the growth in trade deficit combined with depreciation of the rupee against the dollar have contributed to the slowdown in India in the last few years.
While all this does not happen overnight, India has taken massive strides in the field of solar energy. On the upside, more than 10 solar parks have been either completed or commissioned in various stages throughout India in the last 2 years.

The Indian government is currently promoting development and use of solar energy by moves such as reducing custom duties on solar PV panels, acknowledging investment in renewable energy projects and even giving subsidies of up to 70% for investments in solar PV plants in certain areas.

On an aggregate basis, inflation, soaring energy costs and poverty are dragging on the economy which grew 6.9% in 2011.

Energy shortage was also highlighted as possible deterrent to a fiscal surplus on which Kaushik Basu, Chief Economic Advisor to the Government of India, said "If the global prices are high for a product that is imported there is no way you can totally shelter the population. If you shelter it by holding that price completely constant, it appears that you are sheltering customer… but you are building on your fiscal deficit" The report talks about measures like reducing power theft, increasing exploration of oil and gas and developing renewable energy resources.

Source: ESCAP Survey

www.tradingeconomics.com

Inflation & It's elements

In economics, the word inflation refers to general rise in prices, measured against a standard level of purchasing power. Previously, the term was used to refer to an increase in the money supply, and now referred to as expansionary monetary policy pr monetary inflation. Inflation is measured by comparing two sets of goods at two points in time, and computing the increase in cost not reflected by an increase in quality.

Wholesale Price Index (WPI)
Declared on a monthly basis, the index is calculated on the average rate of change in the wholesale market. The WPI contains 980 commodities, with a base year of 2004-05. The WPI basket comprise manufactured products (65%), primary articles (20%) and fuel & power (15%). Food articles are a part of primary articles, constituting 14% of the overall WPI. Processed foods, part of manufactured products, account for 11% of the WPI.

Commodity Price Index (CPI)
The CPI is declared on a monthly basis. It is a statistical time series value based on the weighted average rate of change in the prices of a set of goods and services purchased by the consumer. The CPI is more comprehensive, catching the inflation value from the end-consumer perspective rather than from a wholesale one.

In India,  inflation is measured by movement of the WPI, which is more closely followed than the CPI.

The World This Week - 6th August to 8th August, 2012

Start the league of Investments

Markets are fluctuating; Sensex is going up & down. No one can estimate what will happen in the next minute. But there is always scope of improvement and chance of getting good returns. You just need to start applying mind on the prospects that are you looking for. These prospects might not be entertaining in the beginning but instead of avoiding it and ignoring its significance, give an eye to it too.

If you are a person who have just started earning a good amount and looking for an investment, this is just the right time you start analyzing your capital and the source of investments. Be it bonds, shares, insurance, mutual funds, etc. what is necessary is how much knowledge you have about all these resources. If you do not have the available knowledge then you might fall at the wrong place. Hence starting with the initial stage of research and later exploring the available resource is a must in this era. 

Your daily routine of work will never get over and you can’t just wait to get done with the work and start investing after that. What you need to do is just resume with your strategies and systematically start implementing your plans. The league of investments needs to be started as soon as possible because the right time can end at anytime and you might be late in acquiring the opportunity.

Be it your first investment or last, your investment can be taken care by Karvy Private Wealth. What you just need to do is:

Contact us on karvy@gmail.com

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Predict & Win

In this pace of life, you cannot run faster than your limit. But what you can do is just reach to a level where you can at least prepare yourself for the consequences. Now, whether it works or not, you have at least a set of priorities that you can look for and accordingly plan for future. This doesn’t have to be the financial decisions that you make but can be any decision you are making for your life. In this case, you need to predict what can happen and who knows you can win the situations. Change is the only constant thing in the world and you can never estimate the change that can happen but you can always predict it. There is one advantage about this prediction, i.e. it leads you think about past, present and future. The who gets it right, wins.

What you can predict is what you believe and hence when you start going in a right path, you will get a measured result. Predicting that Insurance is not for the youth or it is not needed right now, can be a wrong prediction for you. There are so many insurance policies that not only cover your life but also your health. So explore this stream and just give it a try to at least understand the products and availability. Remember, a right prediction will lead you a right decision in the end.

If you are really eager to explore and don’t know how to take a step forward, Karvy Private Wealth helps you in the assistance.

To know more:
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The World this Week: July 30 - August 03, 2012

The World this Week: July 30 - August 03, 2012 from Karvy Private Wealth

Know the Importance and then decide

Significance of things come under situations when we desperately need them. These significance better be understood before so that while reaching to a problem, you already have a plan. These plan will help you the most while you fall in some kind of trouble.

Same is in the case of health insurance. You can insure your health and get an immediate result at the time of accident, disease or any health related issues. It is not a small thing because when you are under medical claim you just don't have to care about anything except your wellness. Hence this wellness is been taken care by health insurance plan. Importance of this health insurance plan is enormous. Hence just get a knowledge of what it has stored.

Importance of Health Insurance
• Rising medical costs
• Sharing of health related risk
• uncertain hospital bills
• Expensive/quality health care services
• Tax benefit
• Productivity of workforce

In order to overcome these situations, start planning for it. Who know what's there in future. And if you are not able to find out a correct plan, Karvy Private Wealth helps you in same.


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Acquire the Information

No matter if you are working or studying, you always have a risk of life outside and inside your house. This can be in the form of disease, accident or a casual health affirmation. This is not to scare you or put a negative impression on your mind about fear but just to make you alert, what you need to do is just take one step. Step of insuring your health.

Health insurance is not something totally equal to a regular insurance, but it is something that helps you during emergencies. Be it a disease, accident or any kind of health issues, if you are insured then you don’t have to pay for anything. There are lot of health insurance plans that you can avail and some of them are mentioned below:

Individual Health Plans 

Largely, an individual health insurance plan (IHIP), or ‘mediclaim’, would cover expenses if you are hospitalised for at least 24 hours. Some of the expenses that are covered are room rent, doctor’s fees, anaesthetist’s fees, and cost of blood and oxygen and operation theatre charges. 

Family Floater Plans 

It takes advantage of the fact that the possibility of all members of a family falling ill at the same time or within the same year is low. Under a family floater (FF) health plan, the entire sum insured can be availed by any or all members and is not restricted to one individual only as is the case in an individual health plan.

Senior Citizens’ Plans 

Insurance is considered a form of long-term savings for senior citizens. This money provides financial stability and also helps them in times of need. Medical insurance enables senior citizens to pay for health checkups, emergency medical costs and long-term treatment. Medical insurance is provided through several private insurance companies and four public sector general insurance companies.

Critical Illness Plans 

A Critical Illness plan means to insure against the risk of serious illness. It will give the same security of knowing that a guaranteed cash sum will be paid if the unexpected happens and one is diagnosed with a critical illness. 

The purpose of a critical illness plan is to let you put aside a small regular amount now, as an insurance against all this happening.

Now, as you have full information on your hand, Karvy Private Wealth helps you in taking the further step.

To know more:
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