Investment Options in India

An investor can choose innumerable investment options depending upon his risk profile. Here we elucidate some of the options.

Fixed Deposit- If investor is conservative then he can choose this option. It is also known as “low risk low return”. The major drawback is that the returns can be completely wiped out owing to spiraling inflation.

Bonds- Bonds can be categorized into two parts

* Corporate Bond- It is meant for all those investors whose risk appetite is great i.e. for aggressive investors. The returns proffered are quite high simultaneously risk is quite high too. In case the company goes bankrupt investor won’t receive  even his principal amount.

* Govt Bond- It is safe and secure mode of investing. They offer assured returns and standard income.

Equity- The other major source of investment is stock market. It is bit risky if you have shorter time horizon but if you can keep your investment for longer period of time then it will provide you assured returns. Investors can invest in different companies through equity mutual funds, SIP etc which is managed by professionals.

Insurance- Insurance is the best way to indemnify your life and assets. Many insurance options are available in market like health insurance, home insurance, life insurance, car insurance etc.

NSC- National Saving Certificate is secured govt investment with lock in period of 7 years. The investor is entitled to interest which is forfeited two times a year. Moreover, NSC falls under Section 80C of IT act and profit accrued is valid for tax deduction.

PPF- Investment in PPF is supported by govt. It also falls under category of Section 80C of income tax act so investors can gain from income tax deduction. The rate of interest is evaluated yearly and has lock in tenure of 15 years.

Real Estate- Real Estate is good source of investment. It is termed as money making industry.

Investments in Gold Deposit- Many gold deposit schemes are available in market. Investments in this scheme are opened for HUF, firms, trust with no upper limit. Gold bonds are not entitled to capital gains tax and wealth tariff.

Thus, depending upon your risk appetite you can chose from various modes of investment.

Use onlinecalculator for various financial calculations.

Investment in Gold

Earlier Gold was considered as an essential commodity in Indian household but now it is a good investment option. If you compare returns then gold luster has blunted even the stock market yield. According to statistics, Gold has provided 50 percent more return as compare to Nifty and Sensex.

Example- If an investor has invested Rs 1, 00,000 in Gold then after a year he may have earned Rs 1, 50,000 whereas if investor has invested Rs 1, 00,000 in share market then he would have lost Rs 10,000 i.e. his returns would be Rs 90,000.

Today we are facing political turmoil in countries like India, America and Israel due to such political uncertainties investor wants to invest in gold and not in share market but when this turmoil will calm down then investors would again switch to share market but when these conditions will pacify is matter of time so due to these qualms gold has witnessed growth of Rs 1000 per day but you should never invest only by looking at statistics. From the very beginning gold is subject to volatility. So, if you want to invest in gold then invest at right price and when you earn profit from it then sell it. Otherwise also if   you want to invest in gold then make a proper plan. You can invest via gold SIP or mutual funds that invest in gold. For this scheme the tenure and purpose should be clear to you. The purpose can be marriage of your child and tenure should be as long as 20-25 years. So, if ever you invest Rs 1000-2000 then till time of your child marriage you will have enough returns.

This is not the end of story so don’t forget the old adage of investment” Don’t put all your eggs in one basket” so simply don’t invest all money in one avenue only. Bank FD or Post office savings are always a best and secure source of investment so invest some money in that too. Hence, if you diversify your portfolio then you can fetch higher and secured returns and moreover during exigencies withdrawing of money would be faster and easier. So, invest wisely and smartly and become a millionaire.

You can use this online calculator for calculating your financial goals.

Reasons to use Internet Banking

Earlier bank confined itself with administration of its own specific branch and their main function was to accept and lend deposits but with passage of time the traditional brick and mortar building transformed itself into an online hub where customers can transact on 24x7 basis.

It is not a fad that will come and go but it is necessity. Hereby, we provide you certain concrete reasons to switch to internet banking

• The traditional banking hours are from 9 to 3 but through this (Internet Banking) you can bank on 24x7 bases.

• You can easily check your account balance, order cheque, make stop payment etc.

• It adds mobility which means you can transact your business while you don’t have PC i.e. from Smartphone like apple iphone or blackberry.

• You can make direct deposits in bank without even visiting the branch. This is really a double benefit especially when you don’t have time to deposit salary through cheque also money goes into bank more rapidly thereby you to earn interest more quickly.

• With automatic bill payment facility you can pay your bills automatically and you need not to stand in queue for long time.

• Other transaction that you can perform through internet banking are transfer funds between two or more accounts, check your statements on online basis and apply for loans etc.

• It is more cost effective as services provided through online banking is either of very low cost or it may be even free.

• It will never hamper your credibility as through this option you can make your payments any time of day, no matter in which part of the world you are.

Thus, Internet Banking has brought insurgency in banking field. The net banking is now a norm rather than exception in developed countries. All you need to be smart about the way to use Internet Banking as an option.

Use online calculator for calculating your loan installments.

How safe is internet banking

Internet Banking is just like revolution in banking field. It has automated all the manual tasks and has brought innumerable advantages to consumers but the question still remains in our mind how safe is internet banking. The answer is it all depends upon you and your bank.

Hereby, we present you tips to keep fraudsters away

•Do check URL of bank website and if you find anything suspicious then do report to nearest branch.

•Never enter your user id and password or any confidential information without ascertaining that you are on right website.

•Check internet banking policy of your bank as in some cases banks have enhanced security measures i.e. if the money exceeds particular sum then you need to enter your confidential details again.

•Keep changing your passwords at least once in a month and don’t keep your passwords as easy as anyone can guess you can include certain alphanumeric characters to make password difficult to guess.

•Keep your operating system and browser up-to-date with latest security update.

•When banking session is over then do log out.

•Install a firewall to prevent hackers from any unauthorized access.

•Updation of anti virus software is must.

•Today many banks have last logged in panel; from there you can check if there is any irregularity and if you find any then do report to your nearest branch.

•Don’t leave your PC unattended while transacting.

•Phishing mails may attack you but be careful don’t provide them your confidential information.

•While logging on many browsers will provide an option to save your username and password but don’t click on auto save option.

•If you have numerous bank accounts then avoid using similar password for every bank account.

•The major mistake anyone can make is accessing internet banking option through cyber café or through public computers. It is biggest threat to your confidential information.

• Do check for closed padlock symbol in browser while entering your confidential details.

Thus, Internet Banking is quite safe and secure if and only if you understand its nitty gritties and remember the old adage “Precaution is better than cure” hence use the above mentioned tips.

For loan installments calculation visit online calculator.

Business Loan

Business Loans are also sometimes called installment loans with minimal security. They offer multifarious advantages like you can get amount suited according to your needs and requirements, you need to pay minimal security, pay interest only on amount utilized, easy repayment, speedy disbursal of loan, no lengthy documentation procedure etc.

Today along with banks many small financial institutions are available to lend hand to small businesses. According to certain report people of UK get miserably low saving interest rate from banks For example, you may get ₤1 interest on ₤100 so it’s much more viable to lend to an entrepreneur who is trying to lift himself from poverty by doing his business. One of renowned group of UK namely The Cooperative Group announced its micro finance institution that permits people in UK to lend small sum of money to entrepreneurs who are striving to build better future for their family and themselves.

For example it may be peasant of Cambodia who wants to buy fertilizer, pesticide or even seed for his farm or mother of two in Philippines who runs any fast food stall and wants to expand its business or renovate its premises or shopkeeper in Togo who want funds to buy new supplies or products. Further, if you want to lend to these small entrepreneurs you need to go to an organization named lendcare where you can get list of businessman along with their profiles and among them choose anyone that you want to support. Not to forget, the money is not lend for philanthropic purpose i.e. money paid is repaid in small installments by these business man. They generally have short tenure maximum of one year. Once the money is repaid you can withdraw the money or recycle into another loan. The minimum amount that you can lend is ₤15 and maximum is limitless i.e. according to your desire or wish.

Presently this site is aiding cities like Cambodia, Togo, Philippines and Benin etc.  Further, they aim at expanding themselves to poor states like South Africa, Ecuador and Bosnia. According to certain statistics around three quarter of these loans are provided to woman. Moreover, this group also ensures that loan is given to genuine businessman hence certain terms and conditions needs to be fulfilled like

1. They should have already approached local MFI with their business plan.
2. If proposal appear to be sound and valid then bank will approve the proposal and upload entrepreneur profile on lendcare.

Further, the website claims that entrepreneurs get 100 percent of loan i.e. no fee is deducted towards administration charges or processing charges. As coin has two sides so lending has certain disadvantages like no interest is repaid on original amount and sometimes there is risk of default too, Rate fluctuation risk or Exchange Risk also prevails but such risks are quiet low.

In epilogue, in current business environment lending money to banks makes little sense rather giving help to someone in need is much viable option so choose your way.

For calculating your business loan installments visit online calculator.

Importance of Google maps in local business

Google Maps powers map based services and these are quiet useful. Google Maps are truly vital for local business

• With Google you can find lot of relevant searches and phone numbers.
• Your customers can view hour of operation, types of payment, reviews etc.
• If you list your details in Google Place Listing, then it will be much easier to outperform your rivals.
• Google with commitment on local search network is among the best way to connect with local people also it’s a platform to connect worldwide.
• It aids in promoting your business. They help you in getting high search engine rankings and visibility for competitive local city phrases like “pizza Singapore” or “New York cosmetic dentist”
• When potential customers search Google Maps they can easily find your business that sets you apart from your competitors. It means customers can find your address, hours of operation, photos, contact information, videos of products and services proffered by you.
• These maps can also view your location through easy to follow directions.
• The nonpareil part is these services are FOC i.e. Free of Cost which mean that you don’t need even a website to be listed.
• Google Maps provides high visibility in the search results which means they show up just below Google Adwords (for PPC advertising)
• The maps are available with copyrights but by editing API you a add own marks and display specific information related to your company which is of quiet usage to your local customers.
• Moreover, adding Google Maps to your website presents an oppturnuity to provide innumerable information related to your website.
• These maps aid customers an easy way to find and print driving instructions.
• Through these maps local customers can also find traffic route that can attract and this convenience can attract more customers towards your company.
• Infact, you can find Google Map for any particular topic from local bowling centre’s to restaurants or crime areas etc.
• Not to mention Google maps provide extensive answers to your FAQ also you can get technical help from discussion forum.
• You can view satellite imagery of desired location and also your customers can zoom in maps to find accurate results.
• Customers can view and navigate even street level imagery so that they can get detailed information.
• The maps can be easily dragged so that your customers can view adjacent directions instantly.

In Google Maps advertising you need to incur certain cost but the small cost justify your expenditure in following way

Through this you have chance to advertise your products through purchasing text ads or local business ads and promote his/her business.

• Google Adwords sounds a great way to promote your ads.
• These can be used to increase awareness of local company to its customers.
• You can also consider link building exercise for Local Business Results.
• As mentioned above, your ad may appear as text ad or as business ad with business icon and map marker that expands to reveal business imagery.
• For smaller maps, if user clicks on URL or title then they’ll be directed to advertiser’s website instantly.

 Thus, the dilemma is resolved why Google Maps are important for business.

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