Stocks, Demat Accounts : Comparison, review and apply; learn about the best Demat Accounts in India

This calculator helps you find out the time you need to become a Crorerpati given monthly savings and rate of return.

Assumptions:

• This calculator assumes monthly compounding and monthly payment frequency.
• The effect of taxation on your return has not been considered.
• The Rs. 1 crore withdrawal is available upon your final deposit.

In the previous article of this series, we had a brief look at how one could analyse a company’s income over a particular period. In this article, we will take a look at the key expenditure constituents (operating costs) of a company and how one could view and analyse these over a particular period.

Operating expenses can be broadly segregated into cost of goods sold (COGS) and selling, general and administrative expenses (SG&A).

COGS: COGS are direct costs that a company incurs for producing or providing a product or service. These costs are directly attributable to the production of goods or services. For example, costs of items such as flour, sugar, fats and oils (various raw materials), laminations rolls (packaging material), amongst others will be the COGS for a biscuit manufacturer. Read complete article

Goal setting for a secure future

Sanjay, 30, is working in a pharmaceutical firm as a product manager. His is a well-paid job that hands him a net salary of Rs. 60,000 each month. Sanjay is married with a two-year-old child and has no big liabilities at present. The monthly expense of the trio is approximately Rs. 25,000, apart from Rs. 9,000 that goes in paying rent for the flat they are currently living in.

1. To invest in a property (preferably, a flat worth Rs. 50 lakh) in 2015
2. To build education corpus of Rs. 20 lakh for his son in 2027
3. To build marriage corpus of Rs. 20 lakh for his son in 2034
4. To cover himself sufficiently, i.e., buy a life insurance policy
5. To build a retirement corpus
6. To maintain the same standard of living, with no major increase in expenses, at the time of retirement

Well I have tried india infoline, indiabulls, icicidirect, hdfcsec, reliance money, motilal oswal, angel broking and many more.......... now I have settled to Share Khan. Reason is !-- Javascript tag --> simple. they value my money and me. I know exactly what is my broke and what are the other charges been deducted from my a/c. but with others i had no idea where my money was going. Actually there are 2 depositaries in India. NSDL and CDSL. The difference is that NSDL have AMC and CDSL have transaction charges. And Sharekhan have both. Now the catch is that other players open your a/c with CDSL life time free a/c. And charge higher broke where they promise a lot less. And will even prove that. by showing you some papers and all. But the truth is that they charge some extra tax (which is CDSL charges and hidden charges collected as tax.) Therefore, you end up paying way more then required. or promised..... Read complete review

The Securities and Exchange Board of India (SEBI) has opened a new window of opportunities for the Indian mutual fund industry by allowing online trading of MF units through stock exchanges. This move is intended to offer both investors and mutual fund houses a cost-effective and convenient way to trade in mutual funds. But this is not all; there are some questions that have cropped up regarding the usage of this facility. Let us deal with them one by one:

What is this trading facility?

The online mutual fund trading facility comes in the form of an electronic platform that acts as a transaction point for MF unit trading, now available at both the Indian stock exchanges – BSE and NSE. The important thing is it will exist along side the existing facility where one invests in MFs through distributors or fund houses directly. Read complete blog

Market regulator, SEBI standardised the risk warning that mutual fund firms have to display in the audio-visual advertisements, with a view to help the investor to understand the message clearly. The new rule, which will be effective from May 1, stipulates that the warning in audio-visual advertisements should be displayed and both the visual and the voice-over of the standard warning should be run for at least 5 seconds. As per the present guidelines, in advertisements through audio-visual media like television, the warning — “Mutual Fund investments are subject to market risks, read the offer document carefully before investing,” is required to be displayed on the screen for at least 5 seconds and be accompanied by a voice over reiteration. However, SEBI said it observed that in some cases the visual and voice over were run for less than 5 seconds, or if the visual stayed for 5 seconds the voice over either started late or ended early or both. Read complete

The video is about the CEO MD of Rupeetalk.com Mr. Satkam Divya giving advice on financial issues. The video has a scenario where a person residing in abroad wishes to come back to India but after his arrival in India he his hesitant to work full time and would opt for a part time job. However he can invest a huge amount, and wants a minimum income of Rs.20000 per month from the investment. The best investment according to Mr. Satkam would be investing the amount in Post Office FD’s where he can withdraw minimum of Rs. 20000 every month from an investment of Rs. 30 lakhs at an interest of 8%.