Mangale's- The Financial Planners

07/04/2022

Health Is Wealth

BUT

This Intangible wealth can affect your tangible wealth. To protect your Tangible Wealth get HEALTH INSURED.

06/01/2022

The question we need to ask our self, Is my invested money fetching enough returns to beat the INFLATION post taxation?

If Yes, it's on right track.

If Not, will it be enough post retirement when your income stops?

Mutual Funds as a asset class has that potential to beat inflation post taxation ( capital gain tax).

Do consider Mutual Funds in your investment portfolio for the leverage you need to grow your money.

30/12/2021

30/10/2021

THE QUESTION IS DO WE CONSIDER INFLATION WHEN WE CALCULATE THE RETURNS ON OUR SAVINGS AND INVESTMENT?

OR

WHAT IS THE REAL RATE OF RETURN ON OUR INVESTMENT?

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THE REAL RATE OF RETURN IS THE ACTUAL INTEREST EARNED MINUS INFLATION AND TAX.

INTEREST RATE-5.5% ( BANK FD )

TDS- 10% ( IF INTEREST EARNED IN MORE THAN RS.40000/-)

INFLATION-4.35% (SEPTEMBER 2021@ https://tradingeconomics.com/india/inflation-cpi)

WITH THIS SCENARIO WHAT IS THE REAL RATE?

09/12/2020

EGGS in different baskets

Every asset class is associated with certain benefits and some limitations.

Some asset class have lock-in tenure and in simple terms it means no LIQUIDITY. On other hand some offer LIQUIDITY but at a lesser rates.

Certain asset classes will generate very good returns but will also attract loses. Where as some offer fixed returns but will fail to beat inflation thus reducing the overall value.

Some asset classes attract income tax where as some attract capital gain tax.

The point I want to make is, always park your savings in different asset classes so that you can make your money available at the right time. Taking away the risk of lock-in, interest rates, market risk etc.

20/02/2019

Save TAax and Create WEALTH, Perfect Combo

29/08/2018

India has been a bright spot for investment, due to legal hassels and rigid taxation it was difficult. But with ease of doing business initiative and better transport infrastructure it's looking even better. INDIA is on the verge big economic rally with lots of opportunities.

Big Multi national companies have started entering India like Walmart, Ikea, IFC (investment arm of World Bank Group) etc and lot of Foreign institutional investors have already invested.

This will definitely benefit the Investors in a big way, so stay invested and Invest more.

Xylem bets big on India, may make export hub here

http://economictimes.indiatimes.com//thumb.cms?photoid=65586636&imgsize=163748&width=800&height=600&resizemode=4

The company is currently sourcing $80 million of products out of India for other markets, registering a high double-digit growth rate since 2014.

06/03/2017

₹1,00,000 in 1984 is just ₹7451 today.

That's inflation for you.

People relying on deposit-type savings that yield very low real rates of return need to save a lot more in order to avoid old age hardship.