tag:blogger.com,1999:blog-54525273634318933992024-02-08T09:57:03.192-08:00Simplify Finance Among Other ThingsSiddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.comBlogger26125tag:blogger.com,1999:blog-5452527363431893399.post-71544535864052736982020-09-15T19:54:00.000-07:002020-09-15T19:54:02.078-07:00<p> test</p>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-25921184100041212942012-07-18T21:30:00.003-07:002012-07-18T21:30:29.607-07:00MOVING TO WWW.CHINTAMONEY.COM<div dir="ltr" style="text-align: left;" trbidi="on">
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<i><u><span style="font-size: x-large;">I AM MOVING THE BLOG TO WWW.CHINTAMONEY.COM</span></u></i></h2>
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<i style="color: blue; font-family: Verdana,sans-serif;"><u><span style="font-size: x-large;">ONLY THE NAME HAS CHANGED</span></u></i></h2>
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</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-6853597854673182112012-07-11T20:14:00.002-07:002012-07-11T20:14:34.027-07:00Financial Concepts Simplified<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="font-family: Georgia,"Times New Roman",serif;">
Now a days we have so many creative financial ballet dancers playing around that everybody is creating new names for the same old basic products.</div>
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You can do only 2 things in financial space.</div>
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You can either loan or you can Own.</div>
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All equity products mean you own the investment & Debt product means you loan the Investment.</div>
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So When you invest in PPF or provident Fund you LOAN your money to Government @8.5 % or8.8%</div>
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when you make as FD you loan money to the banks @ 9% or whatever....</div>
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<div style="font-family: Georgia,"Times New Roman",serif;">
When you keep money in savings bank account you loan the money to banks @ 4%</div>
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this is very important point which normally people miss, when you are doing nothing with your money you are actually giving the money on loan to banks on which they make money.....</div>
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<div style="font-family: Georgia,"Times New Roman",serif;">
Why I am saying this is because if you keep the money in the Bank savings account it means you are making money for banks.so do not keep money in savings bank account........</div>
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When you buy a share you pay money to OWN part of the company. which means you will get part of the money which company makes after</div>
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<br /></div>
<div style="font-family: Georgia,"Times New Roman",serif;">
Selling a product </div>
<div style="font-family: Georgia,"Times New Roman",serif;">
Less: Expenses to make& market the product </div>
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Less: Salaries of all workers & managers</div>
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Less: Interest paid to all loan providers (normally banks)</div>
<div style="font-family: Georgia,"Times New Roman",serif;">
Less : Government taxes.</div>
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<span style="font-family: Georgia,"Times New Roman",serif;">Just thought this will be useful & simple</span>.<br />
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<br /></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-80348646572459666772012-07-08T20:26:00.000-07:002012-07-08T20:26:15.249-07:00HOW NOT TO TAKE LOAN?<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="font-family: Georgia,"Times New Roman",serif;">
Well yes, I want to discuss how you should not take loans.</div>
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<div style="font-family: Georgia,"Times New Roman",serif;">
<b>A.You must not take a loan for anything which Looses Value.</b></div>
<div style="font-family: Georgia,"Times New Roman",serif;">
This means you must not take a loan for CAR,LCD TV,TWO Wheeler,Travel Etc. You should take loan only on Items which will increase in value over time.</div>
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<br /></div>
<div style="font-family: Georgia,"Times New Roman",serif;">
<b>B.You must not take loan because You are eligible.</b></div>
<div style="font-family: Georgia,"Times New Roman",serif;">
Loan must not be taken just because you can take it.So if you have the money you should use it instead of taking loan, the only exception to this rule is If your investments are earning more than the Interest being paid on the loan.</div>
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<b>C.You must not take the wrong loan</b>.</div>
<div style="font-family: Georgia,"Times New Roman",serif;">
Well this is a stupid one but. if you need to take the loan it must be from the cheapest source.so if you have to take a loan it should be A personal Loan or a loan against gold instead of Credit card loan....</div>
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<b>D.You must not take loan because it is easy.</b></div>
<b style="font-family: Georgia,"Times New Roman",serif;">Believe me if you take a loan because it was easy to take you are Dooooomed</b><span style="font-family: Georgia,"Times New Roman",serif;">.it is worthwhile to make the extra effort & take the loan which has more formalities for a few days... if you are not able to handle the extra formalities for a few days/weeks initially , then you are going to going to pay a lot of extra money over the years through various charges etc, because you will be too lazy to notice..........</span><br />
<br /></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-19811105556312443772012-07-01T20:23:00.003-07:002012-07-01T20:23:56.096-07:00How to budget your monthly expenses easily<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: small;">Do you know how much you spend in the month at least on
a gross basis?</span></div>
<div style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;">This is actually the most important part of financial life.unless you know how much you are spending or saving you will not be able to plan anything in life!</span></div>
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<span style="font-size: small;">But this is a very tedious job & normally after initial few days we stop writing down the expenses.</span></div>
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<span style="font-size: small;"><b>I use a very simple solution for this purpose. </b></span></div>
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<span style="font-size: small;"><b> </b></span></div>
<div style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;">I know from my experience that It is very difficult to
keep track of expenses & is very tedious so I found a simple way of doing
it, I maintain 2 inter-linked bank accounts, 1<sup>st</sup> account is only for <span style="color: red;">incomes</span> (Salary, Dividends, Interest Etc.) & <span style="color: red;">Investments</span>, </span></div>
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<div style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"> 2<sup>nd</sup>
account is only for <span style="color: red;">monthly cash expenses, EMIs, credit
card bills & other small purchases etc</span>., </span></div>
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<span style="font-size: small;">So every month I transfer amounts to A/c no.2 from my Income Account,as long as you keep the discipline of making all the expenses from the A/c No 2 it is allright.</span></div>
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<span style="font-size: small;">by 2nd or 3rd month you will know exactly how much you are spending,</span></div>
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<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">Let me know how this works out for you..... </span><b><br /></b></span></div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-34161536058264641512012-06-14T23:38:00.003-07:002012-06-20T04:41:18.320-07:00How to Find Your income Tax officer & Ward Number<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="font-family: Georgia,"Times New Roman",serif;">
We need to file various letters or requests to our ITO for purposes like Refund request, Revalidation of Refund Cheque, Correction of Details in The Cheque. Bu we do not know the exact details about where our file is registered.</div>
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The following link will provide you all the details about the concerned ward,Area Code, Assessing officer grade, Range etc. which is necessary for various request letters.</div>
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<a href="https://incometaxindiaefiling.gov.in/portal/common.do?screen=jurisdiction" style="font-family: Georgia,"Times New Roman",serif;">https://incometaxindiaefiling.gov.in/portal/common.do?screen=jurisdiction</a><br />
<span style="font-family: Georgia,"Times New Roman",serif;"></span></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-80907589317748061922012-06-12T01:26:00.002-07:002012-06-20T04:41:41.869-07:00How to track Your Investments<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="font-family: Arial,Helvetica,sans-serif;">
<span style="font-size: small;">Are you always worried about the renewal date of FD or you are confused when you want to know about the current value of your Mutual fund holding or you always keep forgetting about your Insurance Policy number or Your FD/bank account Number.</span></div>
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<div style="font-family: Arial,Helvetica,sans-serif;">
<span style="font-size: small;">Well this is a normal problem faced by all the investors, this in fact makes people forget about some of their holding for example deposit kept with the bank for Vault....</span></div>
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<div style="font-family: Arial,Helvetica,sans-serif;">
<span style="font-size: small;">There is a very simple solution to all this Use a portfolio manager.I have searched Internet for this purpose & I feel the best portfolio manager is provided by Moneycontrol.com The link is given below. </span></div>
<div style="background-color: white; font-family: Arial,Helvetica,sans-serif;">
<span style="font-size: small;"><a href="http://www.moneycontrol.com/portfolio_plus/sso/portfolio_signup.php" style="color: red;">http://www.moneycontrol.com/portfolio_plus/sso/portfolio_signup.php</a> </span></div>
<div style="font-family: Arial,Helvetica,sans-serif;">
<span style="font-size: small;"><br /></span></div>
<div style="font-family: Arial,Helvetica,sans-serif;">
<span style="font-size: small;">the best thing about this portfolio manager is it is free of cost & I think everyone should make use of this facility, it also secure because you need to log in for this purpose.I personally keep even the PF Account numbers etc in this account.....</span></div>
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<span style="font-size: small;"><br /></span></div>
<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;">So go ahead & create your portfolio & reduce your anxiety. it is free.............</span></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-69503017141366303622012-06-06T22:25:00.002-07:002012-06-20T04:27:53.584-07:00Investing for Beginners<div dir="ltr" style="text-align: left;" trbidi="on">
I will now explain how to start basic investing in Mutual Fund.<br />
<br />
First you need to check if you have completed your KYC formality for Mutual Fund Investing refer to this link.<br />
<div style="color: red;">
<a href="http://www.cvlindia.com/inquiry_kyc01.asp" target="_blank">http://www.cvlindia.com/inquiry_kyc01.asp</a></div>
Input your PAN in the field & Submit ,<br />
<br />
If the status is Invalid then Download this form. <span style="color: red;"> </span><a href="http://www.cvlindia.com/include/pdf/KYCIndividual.pdf" style="color: red;" target="_blank">http://www.cvlindia.com/include/pdf/KYCIndividual.pdf & fill up along with the next form</a><br />
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if the status is verified you can download the <a href="http://www.chintamoney.com/files/documents/SBI-APPL-FORM-DEBT-FUNDS.pdf" style="color: red;">ULTRA LIQUID MUTUAL FUND FORM From SBI </a><br />
<br />
The
scheme That I invest is SBI SHDF-ULTRA SHORT TERM FUND. You only need
to take the printout of Page number 31 & 32. (back to back printout)<br />
<br />
While filling up the form when you come to column Number 8<br />
Tick the options Dividend Reinvestment & Frequency as Daily.<br />
<br />
You can start with 11,000/- Rupees for this scheme. Once you get
comfortable with the Return it is generating you should be putting in
all the excess money which you are holding in Savings bank account(over
the Minimum balance required) & invest here. the biggest benefit is
you can withdraw the money in 2 working days without any issues but you
still get around 8% returns.<br />
<br />
You can submit this form in any SBI Mutual Fund Investment office find the nearest Location through this link.<br />
<div style="color: red;">
<a href="http://www.sbimf.com/ContactUs/Investor_Service_Centers.aspx" target="_blank">http://www.sbimf.com/ContactUs/Investor_Service_Centers.aspx</a></div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-42326426556507320452012-06-06T22:22:00.001-07:002012-06-20T04:42:46.655-07:00Prepay Homeloans without penalty<div dir="ltr" style="text-align: left;" trbidi="on">
RBI has officially banned the Prepayment Penalty as of 5th June 2012, so now it is a CRIME to charge Pre-payment penalty on Home Loans. At last...........................<br />
<br />
here is the notification number.<br />
<br />
RBI/2011-12/589 <br />
DBOD. No. Dir. BC.107/13.03.00/2011-12</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-28162206724144494372012-05-28T02:45:00.002-07:002012-06-20T04:28:13.691-07:00How to Start Investing<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="content">
The first step of investing is always the
hardest & most people falter at this stage itself, now a days we
hear & read so many things about Finance from websites & News
channels that our brain stops us from taking any actual action at all -
The main problem here is CHOICE, Human brain goes on the defensive when
it has to choose from multiple choices as compared to Yes or No CHOICE.<br />
<br />
Too many people advise about Equity - Equity all the time, I have a
different perspective on this, but first a question Would you have
succeeded in your life if you had directly taken the admission in 10th
Standard at the age 16? No you would have failed miserably & that is
what is happening in the Personal Finance space now you can not jump
you will fall on your face & hurt yourself similarly Equity
investments are risky & the risk capacity needs to be built overtime
& can not happen overnight,<br />
<br />
Personally I would recommend starting with small steps,Most of us
will have money lying in Savings bank Account & or Short Term Fixed
Deposit Receipts You can shift this to ULTRA LIQUID MUTUAL FUNDS, These funds yield approx 8.25% interest but you can withdraw money anytime which is a
fantastic benefit, so you get the liquidity of Savings bank Account
& Returns of Fixed Deposits.This is a good thing to start off with.<br />
Stay with this thought I will be shortly uploading the necessary
forms etc. on the website <a href="http://www.chintamoney.com/">http://www.chintamoney.com/</a> so you can start your financial journey
easily.</div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-10076242336397445262012-05-25T20:36:00.002-07:002012-05-25T20:36:25.045-07:0080-20 Rule For Personal Finance<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
This is a very Important Rule which means 80% of your
results are due to 20% of your efforts, but the sad part of this rule is it
means for the remaining 20% result we need to spend 80% of your time, I
believe this rule applies to Investments very much.and the rule applies more as
90/10 rule.where you have to make only a small effort to start out on a good
financial life.It takes only 1 working day to start a mutual fund &
PPF account also a Term life policy/Health Insurance policy would take you not
more than 1 week to decide but we keep giving excuses to delay this & loose
the 90% of our Financial benefits by not doing anything because we are afraid
of loosing that 10% benefit. </div>
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The most important thing about investments is to start the
same but most of us will falter at that step.....</div>
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<div class="MsoNormal">
You can start your investment/Financial Planning through
only 4 things,</div>
<div class="MsoNormal">
1.MutualFund</div>
<div class="MsoNormal">
2.PPF.</div>
<div class="MsoNormal">
3.Term Life Insurance plan.</div>
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4.Good Health Insurance Plan.</div>
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believe me you do not need anything more than this for a
good & secure financial life.I will be providing articles on the above steps as i get time.</div>
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<br /></div>
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So start your Financial journey today, if you need any help
ask, post a comment & I will try to answer,</div>
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Best of Luck.................</div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-25140322523187586302012-05-23T01:25:00.000-07:002012-06-20T04:24:52.608-07:00Tips on Taking Loans/Mortgage<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14pt; line-height: 115%;">TAKE LOANs CORRECTLY:</span></b></div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
Personally I do not approve of taking heavy loans but for
those who want should try to DO IT BETTER, giving some tips on how to do things
differently.</div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<br /></div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<b style="mso-bidi-font-weight: normal;">TOTAL FUNDING</b>:
Normally people take the flat in under construction projects & get the
disbursement amounts as per the Completion of project this results in PRE-EMI
payment which actually not allowed for interest claim in Income tax, however if
the builder has good reputation in market for timely completion of projects,
you can negotiate with the bank to Disburse the full amount of loan at one go. <i style="mso-bidi-font-style: normal;">But only after you negotiate with the
builder for Receiving interest on the money paid in advance-you should
negotiate for at least 50% above the interest charged to you by the bank. other
way round you can get the Sq Footage rate down or negotiate for better
amenities.</i></div>
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<br /></div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<b style="mso-bidi-font-weight: normal;">GO FOR THE MAXIMUM</b>:
You should get the approval/Disbursal for the maximum amount possible even
though you have money in hand, it helps if you make the same payment as Prepayment
later you can claim the same in Income tax J
especially now since the prepayment penalty is no-more. </div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<br /></div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<b style="mso-bidi-font-weight: normal;">INCREASE THE
ELIGIBILITY: </b>While we know that Loan eligibility is restricted to 70-80% of
Home Value, It can be extended by giving additional securities e.g. NSC
certificates, Other Valuables as collateral securities for the Home loan, this
aspect works because the Home loan rates are normally the cheapest. (I repeat -
I am personally against taking Heavy loans)</div>
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<br /></div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<b style="mso-bidi-font-weight: normal;">SOME SMART PRODUCTS: </b>SBI
& HSBC have a very different Home loan product, where at the cost of small
increase in interest rate you get access to a SMART LOAN, In this product Along
with Loan you also open a Current account with the bank where you can deposit
all the excess money lying with you, The bank will reduce the outstanding loan
amount equivalent to the balance in the current account e.g. Home Loan 30
Lac-balance in Current account 5 Lac then bank will charge interest only on 25 Lac
Rupees , this helps in reducing the payment period significantly at the same
time having the cash at disposal for any emergencies (product names SBI
MAXGAIN,HSBC SMART LOAN)</div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<br /></div>
<div class="MsoNormal" style="font-family: "Trebuchet MS",sans-serif;">
<b style="mso-bidi-font-weight: normal;">LOANS FROM
NATIONALISED BANKS: </b>While I know that dealing with nationalized banks can
be real pain, pl. note you are taking liability for almost entire earning life,
I suggest that you take the loans from nationalized banks as their Prepayment
& Interest rate calculations are better for the individual buyer in the
long term.</div>
<span style="font-family: "Trebuchet MS",sans-serif; font-size: 11pt; line-height: 115%;">Will do an detailed article later on for how
Smart loans & Nationalized Bank loans save you money</span></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-24570035210266241582012-05-14T01:55:00.000-07:002012-05-23T21:49:33.514-07:00Income Tax Calculator<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;">For Income Tax Calculator Click on below link...</span><br />
<span style="font-size: large;"></span><br />
<div style="background-color: yellow;">
<span style="font-size: large;"><a href="http://www.chintamoney.com/contact" target="_blank">Income Tax Calculator</a></span></div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-78404782090160523662012-05-13T23:19:00.001-07:002012-05-14T19:32:01.550-07:00Hidden Opportunity in Share Markets<div dir="ltr" style="text-align: left;" trbidi="on">
Everybody follows share markets with or without the KNOWLEDGE so there is always a learning opportunity.... I came across some very special class of shares a few days ago while going through the listings on share market transactions, and was suprised why I did not see them earlier.<br />
<br />
These shares are called DIFFERENTIAL VOTING RIGHTS SHARES, these are special class of shares where the voting rights for the shares are low, but all other conditions remain same as normal shares,<br />
<br />
However the price of these shares is very low compared to the normal shares.there are 3 such shares available right now in indian shares market.<br />
<br />
Pantaloon.<br />
Gujrat NRE Coke,<br />
Tata Motors<br />
<br />
These shares are available @ significant discount to the normal share price & so the Dividend to be received is very good in terms of %<br />
<br />
<br />
<br />
<table border="0" cellpadding="0" cellspacing="0" style="width: 430px;"><colgroup><col style="mso-width-alt: 5485; mso-width-source: userset; width: 113pt;" width="150"></col>
<col style="mso-width-alt: 1901; mso-width-source: userset; width: 39pt;" width="52"></col>
<col style="mso-width-alt: 3766; mso-width-source: userset; width: 77pt;" width="103"></col>
<col style="mso-width-alt: 2304; mso-width-source: userset; width: 47pt;" width="63"></col>
<col style="mso-width-alt: 2267; mso-width-source: userset; width: 47pt;" width="62"></col>
</colgroup><tbody>
<tr height="42" style="height: 31.5pt;">
<td class="xl65" height="42" style="height: 31.5pt; width: 113pt;" width="150">Shares</td>
<td class="xl66" style="border-left: none; width: 39pt;" width="52">Market Price</td>
<td class="xl66" style="border-left: none; width: 77pt;" width="103">Market price to
DVR Difference</td>
<td class="xl66" style="border-left: none; width: 47pt;" width="63">Dividend</td>
<td class="xl66" style="border-left: none; width: 47pt;" width="62">Dividend Yield</td>
</tr>
<tr height="22" style="height: 16.5pt;">
<td class="xl65" height="22" style="border-top: none; height: 16.5pt;">Pantaloon
-Normal</td>
<td align="right" class="xl67" style="border-left: none; border-top: none;">152</td>
<td class="xl67" style="border-left: none; border-top: none;"></td>
<td align="right" class="xl67" style="border-left: none; border-top: none;">0.9</td>
<td align="right" class="xl68" style="border-left: none; border-top: none;">0.6%</td>
</tr>
<tr height="22" style="height: 16.5pt;">
<td class="xl69" height="22" style="border-top: none; height: 16.5pt;">Pantaloon-DVR</td>
<td align="right" class="xl70" style="border-left: none; border-top: none;">112</td>
<td align="right" class="xl71" style="border-left: none; border-top: none;">26%</td>
<td align="right" class="xl70" style="border-left: none; border-top: none;">0.9</td>
<td align="right" class="xl72" style="border-left: none; border-top: none;">0.8%</td>
</tr>
<tr height="22" style="height: 16.5pt;">
<td class="xl65" height="22" style="border-top: none; height: 16.5pt;">Tata
Motor-Normal</td>
<td align="right" class="xl67" style="border-left: none; border-top: none;">293.5</td>
<td class="xl67" style="border-left: none; border-top: none;"></td>
<td align="right" class="xl67" style="border-left: none; border-top: none;">4</td>
<td align="right" class="xl68" style="border-left: none; border-top: none;">1.4%</td>
</tr>
<tr height="22" style="height: 16.5pt;">
<td class="xl69" height="22" style="border-top: none; height: 16.5pt;">Tata Motor-DVR</td>
<td align="right" class="xl70" style="border-left: none; border-top: none;">154</td>
<td align="right" class="xl71" style="border-left: none; border-top: none;">48%</td>
<td align="right" class="xl70" style="border-left: none; border-top: none;">4.2</td>
<td align="right" class="xl72" style="border-left: none; border-top: none;">2.7%</td>
</tr>
<tr height="22" style="height: 16.5pt;">
<td class="xl65" height="22" style="border-top: none; height: 16.5pt;">GUJ NRE
COKE-Normal</td>
<td align="right" class="xl67" style="border-left: none; border-top: none;">17.15</td>
<td class="xl67" style="border-left: none; border-top: none;"></td>
<td align="right" class="xl67" style="border-left: none; border-top: none;">1</td>
<td align="right" class="xl68" style="border-left: none; border-top: none;">5.8%</td>
</tr>
<tr height="22" style="height: 16.5pt;">
<td class="xl69" height="22" style="border-top: none; height: 16.5pt;">GUJ NRE
COKE-DVR</td>
<td align="right" class="xl70" style="border-left: none; border-top: none;">12.05</td>
<td align="right" class="xl71" style="border-left: none; border-top: none;">30%</td>
<td align="right" class="xl70" style="border-left: none; border-top: none;">1</td>
<td align="right" class="xl72" style="border-left: none; border-top: none;">8.3%</td>
</tr>
</tbody></table>
<br /></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-76897558897154840342012-05-13T21:55:00.003-07:002012-05-13T21:57:40.673-07:00Psychopath CEO<div dir="ltr" style="text-align: left;" trbidi="on">
Over the weekend, Got to read this article really extraordinary, what do you think.<br />
<br />
<a href="http://www.psyfitec.com/2012/05/is-your-ceo-psychopath.html">Can Performance Pressure Do this ?</a>http://www.psyfitec.com/2012/05/is-your-ceo-psychopath.html</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-65984421751530694792012-05-04T23:49:00.002-07:002012-05-04T23:49:16.188-07:00Where to Invest Your Bonus<div dir="ltr" style="text-align: left;" trbidi="on">
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<br />
<div class="MsoNormal">
<b><u><span style="font-size: 14pt; line-height: 115%;">BONUS </span></u></b></div>
<div class="MsoNormal">
<b><u><span style="font-size: 14pt; line-height: 115%;"><br /></span></u></b></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span style="line-height: 115%;">This is the
time when most people will get their Bonus in the banks & start thinking
about how to invest/Spend.</span></span></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><span style="line-height: 115%;">Well here
are some ideas.</span></span></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<br /></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><b><u><span style="line-height: 115%;">Create a Emergency Fund</span></u></b><span style="line-height: 115%;">: The basic rule for any financial planning
is to create an emergency fund which is an amount equal to around 3-4 times
your normal monthly expenses (including all the EMI) to kept separately in avenues
where they can be withdrawn in very short notice, You can create such fund by
investing in Sweep In FD or Investing in Ultra Liquid Mutual Fund. </span></span></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<br /></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><b><u><span style="line-height: 115%;">Prepay Loans</span></u></b><span style="line-height: 115%;">: Any Expensive Loans which you are
currently paying e.g. Credit Card debt etc where the interest rate payable is
higher than what you can earn by investing can be repaid.</span></span></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<br /></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><b><u><span style="line-height: 115%;">Tax investments</span></u></b><span style="line-height: 115%;">: You can make that tax investment,
which normally is done in last months; <span> </span>You
can take the Term Insurance plan which you were planning, The health insurance plan
which you were planning can be purchased in this money.</span></span></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<br /></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<span style="font-size: small;"><b><u><span style="line-height: 115%;">Plan for Future</span></u></b><b><span style="line-height: 115%;">: </span></b><span style="line-height: 115%;">Do you have
any specific goals to be achieved over long term for which you want to save,start
saving for them, If the goal is less than 5 years away invest in Debt Mutual
Funds/Monthly Income Mutual Funds in one go, But For goals More than 5 Years
away, you can go for Equity Mutual Funds, But pl. note <i><u>You must never invest in Equity in one go</u></i>, what <span> </span>you can do is to invest the Amount in a debt
Fund<span> </span>& transfer the <span> </span>amount over next 6 months in equal
installments.</span></span></div>
<div class="MsoNormal" style="font-family: Georgia,"Times New Roman",serif;">
<br /></div>
<div class="MsoNormal">
<span style="font-family: Georgia,"Times New Roman",serif; font-size: small;"><b><u><span style="line-height: 115%;">Spend</span></u></b><u><span style="line-height: 115%;">: in case you want none of the above</span></u></span><span style="font-size: 10.0pt; line-height: 115%;">. </span><b style="mso-bidi-font-weight: normal;"><span style="color: red; font-family: Wingdings; font-size: 16.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-char-type: symbol; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;"></span></span></b><span style="font-size: 10.0pt; line-height: 115%;"></span></div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-29075613401394510252012-04-30T01:13:00.003-07:002012-04-30T01:24:55.120-07:00Make Money with Credit Card<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Making Money from use
of Credit Card!</b></div>
<div class="MsoNormal">
<span style="font-size: small; line-height: 115%;">This may sound very farfetched to anybody but it is true, you
can actually make money by utilizing the credit card properly. </span></div>
<div class="MsoNormal">
<span style="font-size: small; line-height: 115%;">First the Rules if you follow these rules then only you will
be able to make the money. </span></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-family: Symbol; font-size: small; line-height: 115%;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><span style="font-size: small; line-height: 115%;">Never Pay late,</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-family: Symbol; font-size: small; line-height: 115%;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><span style="font-size: small; line-height: 115%;">Never Utilize the EMI options</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-family: Symbol; font-size: small; line-height: 115%;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><span style="font-size: small; line-height: 115%;">Never Withdraw Cash through Credit Card</span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -0.25in;">
<span style="font-family: Symbol; font-size: small; line-height: 115%;">·<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><span style="font-size: small; line-height: 115%;">Never make a purchase because you have credit card.</span></div>
<div class="MsoNormal">
<br />
<span style="font-size: small; line-height: 115%;">Things you need to know.</span></div>
<div class="MsoNormal">
<br />
<span style="font-size: small;"><b><span style="line-height: 115%;">Your billing Date</span></b></span><span style="font-size: small; line-height: 115%;">: this is the
date on which your billing stops for the month & new Billing cycle starts
(mine is 23<sup>rd</sup> of the month)</span></div>
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="line-height: 115%;">Your Credit period</span></b></span><span style="font-size: small; line-height: 115%;">: This is the
time difference between your billing date & your Due Date (Mine is 12<sup>th</sup>
of next to next month) so around 50 Days</span></div>
<div class="MsoNormal">
<span style="font-size: small; line-height: 115%;">So to put an Example, My Billing Cycle date is 23 March 2012
& My due date for this billing cycle is 10<sup>th</sup> May 2012 this gives
me 50 Days of Credit.</span><br />
</div>
<div class="MsoNormal">
<span style="font-size: small; line-height: 115%;">Now if you make a purchase through credit card on 25<sup>th</sup>
Of March 2012 for let us say Rs.15, 000/- then you have to pay this amount on
10<sup>th</sup> May 2012 so you have 15,000 Rs. As free cash for 48 Days if you
invest this amount in a decent Ultra Liquid Mutual Fund you will earn Rs.156/-
on this amount without spending a single Paisa.</span><br />
</div>
<div class="MsoNormal">
<span style="font-size: small; line-height: 115%;">Though it is very difficult to time the purchase exactly as
given above, in my experience you can time at an average of around 40 Days,
below is the table which shows you the possible earnings through credit card
for various scenarios, this can go up seriously if you do regular company
travels etc from your credit card. </span><br />
<span style="font-size: small;"><br /></span><br />
<span style="font-size: small;"></span><br />
<span style="font-size: small; line-height: 115%;">Additionally you get points on these
purchases which you can redeem for various items, though miniscule this is
earnings without too much of an effort.</span></div>
<div class="MsoNormal">
<span style="font-size: small;"><br /></span><br />
<span style="font-size: small;"><b><span style="line-height: 115%;">Table of
Money Earned.</span></b></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="height: 15.75pt;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><br /></span></div>
</td>
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>Days</b></span></div>
</td>
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><br /></span></div>
</td>
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><br /></span></div>
</td>
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><br /></span></div>
</td>
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><br /></span></div>
</td>
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><span style="font-size: small;"><br /></span></td>
</tr>
<tr style="height: 31.5pt;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 31.5pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>Amount</b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>45</b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>40</b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>35</b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>30</b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>25</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 31.5pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>Points
Earned</b></span></div>
</td>
</tr>
<tr style="height: 15.75pt;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>
5,000 </b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 51 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 45 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 40 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 34 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 28 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b> 50 </b></span></div>
</td>
</tr>
<tr style="height: 15.75pt;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>
7,500 </b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 76 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 68 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 59 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 51 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 42 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b> 75 </b></span></div>
</td>
</tr>
<tr style="height: 15.75pt;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>
10,000 </b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 102 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 90 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 79 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 68 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 57 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b> 100 </b></span></div>
</td>
</tr>
<tr style="height: 15.75pt;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>
12,500 </b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 127 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 113 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 99 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 85 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 71 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b> 125 </b></span></div>
</td>
</tr>
<tr style="height: 15.75pt;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 15.75pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>
15,000 </b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 153 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 136 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 119 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 102 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 85 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15.75pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b> 150 </b></span></div>
</td>
</tr>
<tr style="height: 16.5pt; mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td nowrap="nowrap" style="border: 1pt solid black; height: 16.5pt; padding: 0in 5.4pt; width: 56pt;" valign="top" width="75"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b>
25,000 </b></span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 16.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 254 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 16.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 226 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 16.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 198 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 16.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 170 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 16.5pt; padding: 0in 5.4pt; width: 29pt;" valign="top" width="39"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"> 141 </span></div>
</td>
<td nowrap="nowrap" style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 16.5pt; padding: 0in 5.4pt; width: 48pt;" valign="top" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
<span style="font-size: small;"><b> 250 </b></span></div>
</td>
</tr>
</tbody></table>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-78530254979091510482012-04-30T01:07:00.000-07:002012-06-21T22:09:27.578-07:00GOLD BUYING OPTIONS & TAXATION<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14pt; line-height: 115%;">BEST WAY TO BUY GOLD & TAXATION
ON GOLD.</span></b></div>
<div class="MsoNormal">
Everybody today is talking about buying Gold, this article
will discuss various ways of buying gold & a comparison of various options.</div>
<div class="MsoNormal">
Possible ways of Buying Gold are listed below:</div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
1.<span style="font: 7pt "Times New Roman";">
</span>GOLD buying through Jewelry etc.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
2.<span style="font: 7pt "Times New Roman";">
</span>GOLD Coins, Biscuits & Bars From Jewelers</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
3.<span style="font: 7pt "Times New Roman";">
</span>GOLD Coins, Biscuits & Bars From Banks or
Post Office.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
4.<span style="font: 7pt "Times New Roman";">
</span>GOLD ETF (Exchange Traded Funds)</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
5.<span style="font: 7pt "Times New Roman";">
</span>GOLD MF (Gold Mutual Funds)</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
6.<span style="font: 7pt "Times New Roman";">
</span>E-GOLD from NSEL (National Spot Exchange Ltd.)</div>
<div class="MsoNormal" style="margin-left: .25in;">
<b style="mso-bidi-font-weight: normal;">EVALUATION CHART OF GOLD PURCHASES</b></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: 4.7pt; width: 664px;">
<tbody>
<tr style="height: 15.0pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td nowrap="nowrap" style="background: #B6DDE8; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td colspan="6" style="background: #FCD5B4; border-left: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 403.0pt;" valign="bottom" width="537"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="color: black;">Sources</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 1;">
<td nowrap="nowrap" style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Factors</span></b></div>
</td>
<td style="background: #FCD5B4; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Jewelry</span></b></div>
</td>
<td style="background: #FCD5B4; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Coin-Jeweler</span></b></div>
</td>
<td style="background: #FCD5B4; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Coin-Bank</span></b></div>
</td>
<td style="background: #FCD5B4; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Gold ETF</span></b></div>
</td>
<td style="background: #FCD5B4; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">GOLD MF</span></b></div>
</td>
<td style="background: #FCD5B4; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">E-GOLD</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 2;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Purity-Guarantee</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Low-Medium</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 3;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Making Charges</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">10-15%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 4;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Premium over Spot Price</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">2-5%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="top" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">0%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">6-10%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="top" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">0%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="top" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">0%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="top" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">0%</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 5;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Other Costs of Buying</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">1.5% of Purchase</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">2.5% of Purchase</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">1.5% of Purchase</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 6;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Maintenance Cost</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Locker Cost</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Locker Cost</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Locker Cost</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">1% of Total value</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">2% of Total value</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">1% of Total value</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 7;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Physical Delivery</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">No</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">No</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 8;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Ease in Selling</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Low-Medium</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Medium</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">NO</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">HIGH</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 9;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Long Term Cap Gain Applicable in</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">3 Yrs</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">3 Yrs</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">3 Yrs</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">1Yr</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">1Yr</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">3 Yrs</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 10;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Wealth tax Applicable</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">No</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">No</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 30.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
</tr>
<tr style="height: 45.0pt; mso-yfti-irow: 11;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Sales Tax Applicable</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">No</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">No</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Yes-if you take physical Delivery</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 12; mso-yfti-lastrow: yes;">
<td style="background: #B6DDE8; border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 95.0pt;" valign="bottom" width="127"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Recommendation</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 66.0pt;" valign="bottom" width="88"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: red;">AVOID</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 69.0pt;" valign="bottom" width="92"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 65.0pt;" valign="bottom" width="87"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: red;">AVOID</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 67.0pt;" valign="bottom" width="89"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 64.0pt;" valign="bottom" width="85"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: red;">AVOID</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<span style="font-family: "Calibri","sans-serif"; font-size: 11pt; line-height: 115%;"> Looking
at the above chart, if you are buying less than 100 GM (10 Tola) worth of gold
in a year, it is better to go for COINS OR BISCUITS From Good Jeweler, But if
you are purchasing more Quantity than this then go For the ETF fund with low expense
ratio.</span></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-23492628869977274322012-04-24T23:43:00.000-07:002012-04-27T04:32:40.981-07:00Risks In Personal Finance<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12pt; line-height: 115%;">Risk Management for Personal Finance.</span></b></div>
<div class="MsoNormal">
Many of us know about risk management in our working domains
thanks to company training & policies, but have you looked at genuine Risks
in Personal Finance.</div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><b style="mso-bidi-font-weight: normal;"><u>Theft/Loss
of Credit-Debit Card :</u></b> This is a very very common risk which is
prevalent today, The risk mitigation can be 2 ways. <b style="mso-bidi-font-weight: normal;">keep a Xerox of the Cards in your office Drawer & a scanned copy in
your e-mail</b> so you know the numbers etc in case of loss for blocking the
card Another way of risk mitigation is to <b style="mso-bidi-font-weight: normal;">Reduce
the Limits on the cards</b> if you do not use it e.g. A limit of Rs 50,000/- withdrawal is
unnecessary if you do not withdraw more than Rs.10,000/- similarly a big credit
card limit does not help you in any way if you utilise the credit card in very small amounts. </div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><b style="mso-bidi-font-weight: normal;"><u>Health
Risk :</u> </b>Healthcare cost is increasing significantly now a days hence
Floating Health cover for your family & you is essential even though Your
company covers you for these, imagine a situation where no insurance company is
ready to give you a policy once you retire……… start now with a decent amount. <b style="mso-bidi-font-weight: normal;">At least 2 times the current cost of Open
Heart Surgery</b> is a good amount to start with.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><b style="mso-bidi-font-weight: normal;"><u>Death
Risk: </u></b>This is an extraordinary risk & must be covered at the
earliest, Basic Thumb rule for Insurance is <b style="mso-bidi-font-weight: normal;">13- 15 times your total yearly expenses</b>. Please go for Pure Term
plan from a good company. A pure term plan is surprisingly cheap but most
people will go for LIC which is costlier, <b style="mso-bidi-font-weight: normal;">My
suggestion is Take 50% coverage from LIC & rest from any other Company</b>,
so when LIC pays the claim, Other company will automatically pay the Sum
insured. Additionally You should make your spouse the 2<sup>nd</sup> Holder in
Bank Accounts/Investments/Mutual Funds etc, this will make the life easier for
everybody.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><b style="mso-bidi-font-weight: normal;"><u>Knowledge
Risk :</u> </b>You must list down all your investments on a excel sheet &
keep a printout in your money drawer another good idea is to Mail the copy to
yourself so you can access it even if your PC/Laptop fails……..</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><b style="mso-bidi-font-weight: normal;"><u>Liquidity
Risk :</u></b> You must create an Emergency Fund so in case of emergency you do
not have to withdraw your long term investments which reduces your returns
& adversely affects your Financial planning, I maintain an emergency fund
equal to <b style="mso-bidi-font-weight: normal;">6 months Expenses</b>, This is
split as 2 Month’s expense in Savings bank account & the rest in Liquid
Mutual Funds so I will have immediate access to cash when needed.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><b style="mso-bidi-font-weight: normal;"><u>Password
Risk :</u></b> We have the habit of not changing the password to our ATM Card,
Online Bank account Etc. this can be very dangerous, I change the password at
the end of Each quarter.</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><b style="mso-bidi-font-weight: normal;"><u>Other Risks
:</u> </b>We many times ignore the risk of Loss of other documents like
Passport, Vehicle registration card etc, I keep a scanned copy of these documents in my
Email So I Always have the access to it in case of loss, But Do scan these
documents from Both Sides <span style="font-family: Wingdings;">J</span>……………….
</div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-6372277964074090752012-04-19T04:41:00.000-07:002012-04-27T04:32:58.678-07:00Don't Waste Money in Savings Bank Account<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<span style="font-size: small;"><b><span style="line-height: 115%;">Are you keeping excess money in
savings bank for one of the following reason.</span></b></span></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Wingdings; line-height: 115%;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span><span style="line-height: 115%;">I am waiting for a good opportunity to
invest.</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Wingdings; line-height: 115%;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span><span style="line-height: 115%;">I am receiving interest on this money
without any risk.</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Wingdings; line-height: 115%;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span><span style="line-height: 115%;">I can withdraw money anytime for
emergencies.</span></span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: Wingdings; line-height: 115%;">Ø<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span><span style="line-height: 115%;">I am just comfortable with money in my
bank instead of other avenues. </span></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="line-height: 115%;">Well you are
part of the majority of people in India, who keep the money in Savings bank
account as other options are not known to everybody. You should know other
options also which can be utilized for parking the money while you take the
decision about the final investment. </span></span></div>
<div class="MsoNormal">
<span style="font-size: small;"><span style="line-height: 115%;">I am showing
below some of the options & their comparison chart</span></span></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Courier New"; line-height: 115%;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><b><span style="line-height: 115%;">Savings Bank Account</span></b><span style="line-height: 115%;">: Keep the money lying in bank account</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Courier New"; line-height: 115%;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><b><span style="line-height: 115%;">Fixed Deposit</span></b><span style="line-height: 115%;"> : Simple Fixed Deposit for a fixed
tenures</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Courier New"; line-height: 115%;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><b><span style="line-height: 115%;">Liquid Mutual Funds</span></b><span style="line-height: 115%;"> : These are Debt Mutual Funds which
give us benefit of anytime withdrawals</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Courier New"; line-height: 115%;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><b><span style="line-height: 115%;">Ultra Liquid Mutual Funds</span></b><span style="line-height: 115%;"> : These Debt Mutual Funds are one
step above Liquid Funds which provide better returns with same conditions as
Liquid Mutual Funds</span></span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -0.25in;">
<span style="font-size: small;"><span style="font-family: "Courier New"; line-height: 115%;">o<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span><b><span style="line-height: 115%;">FMP Plans</span></b><span style="line-height: 115%;"> : Fixed maturity plans. These are
special schemes by Mutual Funds which are for predefined duration & Money
is invested for Fixed period ranging from 45 days to 3 years.</span></span></div>
<div class="MsoNormal" style="margin-left: 0.25in;">
<span style="font-size: small;"><span style="line-height: 115%;">All the above are options for short term & safe
investment where your capital is protected, given below is the chart of
possible returns from these instruments with the pros & cons.</span></span><br />
<br />
<div class="MsoNormal" style="margin-left: 0.25in;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="height: 30pt;">
<td style="border: 1pt solid black; height: 30pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Type of Investment</b></span></div>
</td>
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: black black black -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 30pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Savings Bank Account</b></span></div>
</td>
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: black black black -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 30pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Fixed Deposit</b></span></div>
</td>
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: black black black -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 30pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<a href="http://khotapaisa.blogspot.in/2012/04/normal-0-false-false-false-en-us-x-none_16.html"><span style="font-size: small;"><b>Liquid Mutual Funds-Dividend Option</b></span></a></div>
</td>
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: black black black -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 30pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Ultra Liquid Mutual Funds -Dividend Option</b></span></div>
</td>
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: black black black -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 30pt; padding: 0in 5.4pt; width: 193pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>FMPs-Dividend Option</b></span></div>
</td>
</tr>
<tr style="height: 15pt;">
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color black black; border-right: 1pt solid black; border-style: none solid solid; border-width: medium 1pt 1pt; height: 15pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Returns</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;">4.00%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;">9.25%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<br /></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<br /></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 193pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;">8.50%</span></div>
</td>
</tr>
<tr style="height: 15pt;">
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color black black; border-right: 1pt solid black; border-style: none solid solid; border-width: medium 1pt 1pt; height: 15pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Post tax returns</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;">2.80%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;">6.48%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<span style="font-size: small;">6.75%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<span style="font-size: small;">8.00%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 193pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;">8.50%</span></div>
</td>
</tr>
<tr style="height: 15pt;">
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color black black; border-right: 1pt solid black; border-style: none solid solid; border-width: medium 1pt 1pt; height: 15pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Tax Rate</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;">30.00%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;">30.00%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<span style="font-size: small;">0%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<span style="font-size: small;">0%</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 193pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;">0.00%</span></div>
</td>
</tr>
<tr style="height: 15pt;">
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color black black; border-right: 1pt solid black; border-style: none solid solid; border-width: medium 1pt 1pt; height: 15pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Type Of Income</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;">Other Income</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;">Other Income</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<span style="font-size: small;">Exempt income-Dividend</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<span style="font-size: small;">Exempt income-Dividend</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 193pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;">Exempt Income-Dividend</span></div>
</td>
</tr>
<tr style="height: 15pt;">
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color black black; border-right: 1pt solid black; border-style: none solid solid; border-width: medium 1pt 1pt; height: 15pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Compunding frequency</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;">No Compounding</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;">Quarterly</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<span style="font-size: small;">Daily</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<span style="font-size: small;">Daily</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 15pt; padding: 0in 5.4pt; width: 193pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;">No Compounding</span></div>
</td>
</tr>
<tr style="height: 60pt;">
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color black black; border-right: 1pt solid black; border-style: none solid solid; border-width: medium 1pt 1pt; height: 60pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Positives</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;">1. Anytime Money
Availability</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;">1. Easy to operate<br />
2.Income tax is applicable hence proper reporting necessary</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<span style="font-size: small;">1.can be withdrawn within
1 day without any loss of money<br />
2.No Taxation </span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<span style="font-size: small;">1.can be withdrawn within
7 days without any loss of money<br />
2.No Taxation</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60pt; padding: 0in 5.4pt; width: 193pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;">Best Returns</span></div>
</td>
</tr>
<tr style="height: 60.75pt; mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="-moz-border-bottom-colors: none; -moz-border-image: none; -moz-border-left-colors: none; -moz-border-right-colors: none; -moz-border-top-colors: none; border-color: -moz-use-text-color black black; border-right: 1pt solid black; border-style: none solid solid; border-width: medium 1pt 1pt; height: 60.75pt; padding: 0in 5.4pt; width: 116pt;" valign="top" width="155"><div class="MsoNoSpacing">
<span style="font-size: small;"><b>Negatives</b></span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60.75pt; padding: 0in 5.4pt; width: 148pt;" valign="top" width="197"><div class="MsoNoSpacing">
<span style="font-size: small;">1. Low Interest</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60.75pt; padding: 0in 5.4pt; width: 167pt;" valign="top" width="223"><div class="MsoNoSpacing">
<span style="font-size: small;">1. T.D.S. </span></div>
<div class="MsoNoSpacing">
<span style="font-size: small;">2.Heavy Penalty for
premature withdrawal. </span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60.75pt; padding: 0in 5.4pt; width: 172pt;" valign="top" width="229"><div class="MsoNoSpacing">
<span style="font-size: small;">1.can not be withdrawn on
weekends</span></div>
</td>
<td style="border-color: -moz-use-text-color black black -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 60.75pt; padding: 0in 5.4pt; width: 169pt;" valign="top" width="225"><div class="MsoNoSpacing">
<span style="font-size: small;">1.can not be withdrawn on
weekends</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 60.75pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 193.0pt;" valign="top" width="257"><div class="MsoNoSpacing">
<span style="font-size: small;">1.Can not be withdrawn
before maturity<br />
2.No visibility on end usage of funds</span></div>
</td></tr>
</tbody></table>
</div>
<br />
The unforeseen benefit of not Keeping the money in Savings bank Account is that the Telephonic calls from The bank asking to check with you for Personal Loans & credit Cards stop as they have no data about how much money you have.<br />
<br />
Other Articles<br />
<br />
<a href="http://khotapaisa.blogspot.in/2012/04/normal-0-false-false-false-en-us-x-none_16.html">Types Of Mutual Funds</a><br />
<br />
<a href="http://khotapaisa.blogspot.in/2012/04/taxation-of-mutual-funds.html">Taxation of Mutual Funds</a> <br />
<br /></div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-747340790226360042012-04-17T02:00:00.000-07:002012-04-27T04:33:12.200-07:00Mutual Funds Taxation<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="line-height: 115%;">Taxation of Mutual Funds :</span></b></div>
<div class="MsoNormal">
<span style="line-height: 115%;">This
is a complex issue & I will try to simplify this through a table but
initially we need to understand following concepts.</span></div>
<div class="MsoNormal">
<span style="line-height: 115%;">All
the Mutual Funds have 2 Options Dividend & Growth. The taxation Depends on
Which option you choose</span></div>
<div class="MsoNormal">
<span style="line-height: 115%;">2
Types of taxes will become applicable based on your choice, Capital Gains Tax
& Dividend Distribution Tax.</span></div>
<div class="MsoNormal">
<span style="line-height: 115%;">For
the below table Pl. assume 3 investments the Table shows the Tax applicable on
investments.</span></div>
<div class="MsoNormal">
<span style="line-height: 115%;">Investment
A was held for more than 1 year Purchase. </span></div>
<div class="MsoNormal">
<span style="line-height: 115%;">Investment
B was held for less than 1 Year Purchase.</span></div>
<div class="MsoNormal">
<span style="line-height: 115%;">Investment
C Purchase with Dividend option. </span></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: 4.9pt; width: 409px;">
<tbody>
<tr style="height: 15.75pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td nowrap="nowrap" style="border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: .5pt; mso-border-color-alt: windowtext; mso-border-left-alt: 1.0pt; mso-border-right-alt: .5pt; mso-border-style-alt: solid; mso-border-top-alt: 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">Investment Option</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">Growth</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">Growth</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; mso-border-top-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">Dividend</span></b></div>
</td>
</tr>
<tr style="height: 21.0pt; mso-yfti-irow: 1;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 21.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">Investment</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 21.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 16pt;">A</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 21.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 16pt;">B</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 21.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 16pt;">C</span></b></div>
</td>
</tr>
<tr style="height: 45.0pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Tax Applicable</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Long Term Capital Gains Tax</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Short Term capital Gains Tax</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 45.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Dividend Distribution Tax</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 3;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Equity Mutual Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">15%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">0%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 4;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Balance Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;">Nil</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">15%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">0%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 5;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Income Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">10%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #0070c0;">30%$$</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">13.5%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 6;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Debt Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">10%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #0070c0;">30%$$</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">13.5%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 7;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Gilt Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">10%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #0070c0;">30%$$</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">13.5%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 8;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Liquid Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">10%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #0070c0;">30%$$</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext 1.0pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="background: none repeat scroll 0% 0% yellow; color: black;">27.0%</span><span style="color: black;"></span></div>
</td>
</tr>
<tr style="height: 15.75pt; mso-yfti-irow: 9; mso-yfti-lastrow: yes;">
<td nowrap="nowrap" style="border-top: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext 1.0pt; mso-border-left-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 72.25pt;" valign="bottom" width="96"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Ultra Liquid Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.75pt; mso-border-bottom-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.75pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">10%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.75pt; mso-border-bottom-alt: solid windowtext 1.0pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="108"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #0070c0;">30%$$</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="102"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">13.5%</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<span style="color: #0070c0; line-height: 115%;">$$ : The income will be added to your Normal income & taxed
@ applicable tax rate assumed here to be 30%</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="color: #0070c0; line-height: 115%;">Other Links </span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; line-height: 115%;">Types of Mutual
Funds</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; line-height: 115%;">Idle Money</span></b></div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-66722284098316380512012-04-17T01:27:00.000-07:002012-04-27T04:33:28.223-07:00HOW HIGHEST NAV GURANTEE PLAN WORK<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12pt; line-height: 115%;">HOW HIGEST NAV GUARANTEED PLANS WORK
(Theoretically)</span></b></div>
<div class="MsoNormal">
This product is a sub type of ULIP plans, </div>
<div class="MsoNormal">
Normally in these Products highest of below 3 is paid out.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
1) Highest NAV in 7
years, 2) 1.5 Times your initial investment (This requires 7- 10 Year Lock in)</div>
<div class="MsoNormal">
3) The NAV of the fund as of the end date. Looks very enticing isn’t it?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But now the working of the plan is explained below,</div>
<div class="MsoNormal">
The Fund manager of these plans employs various strategies
for this ASSURED Service the technical name for the strategy is Dynamic
Hedging. In this strategy the Fund manager will keep shifting the funds between
Equity & Debt in order to keep the NAV of the fund to manageable levels,</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
So initially fund
Manager will invest aggressively in Equity portion let us say 100% so now </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
You can see a Dummy scenario Below, Note the change of
Equity & Debt Proportion changing over the years. So the Fund manager will
make sure that your NAV does not grow beyond a point by allocation of Funds
accordingly.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
You will notice that the Manager will shift the Funds more
towards debt as soon as The Equity Portion yield good result in order to ensure
Highest NAV can be paid out.<br />
<br />
<i><u><span style="font-size: small;">So effectively you are investing in Fixed Deposit while paying higher Charges (FMC, Allcation Chrg. Etc) & Higher Risk (Equity Exposure) & also taking along unnecessary Life cover. I do not know why anyone should pick this product at all except the Agent who gets the commission</span></u></i>.<br />
</div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: 4.9pt; width: 688px;">
<tbody>
<tr style="height: 15.75pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td nowrap="nowrap" style="border: solid windowtext 1.0pt; height: 15.75pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">Proportion</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">Start</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">1st year</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">2nd Year</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">3rd Year</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">4th Year</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">5th year</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">6th Year</span></b></div>
</td>
<td nowrap="nowrap" style="border-left: none; border: solid windowtext 1.0pt; height: 15.75pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black; font-size: 12pt;">7th year</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Equity %</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black; font-size: 14pt;">80%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">80%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">85%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">60%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">60%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">50%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">40%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">25%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Debt %</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black; font-size: 14pt;">20%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">20%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">15%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">40%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">40%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">50%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">60%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: red; font-size: 14pt;">75%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Equity Returns</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">15%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">-16%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">25%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">15%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">22%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">-8%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">9%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 4;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Debt Returns</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">8%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">8%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">8%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">8%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">8%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">8%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<span style="color: black;">8%</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 5;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">NAV Rs.</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 10.00 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 11.36 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 9.95 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 11.76 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 13.20 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 15.18 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 15.42 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 16.69 </span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 6;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Less: FMC @ 1.35%</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.15)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.13)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.15)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.17)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.20)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.20)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.22)</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 7;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Guarantee Charge @ .50%</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.06)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.05)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.06)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.06)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.07)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.07)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.08)</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 8;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Less: Alloc. Charges @ 2%</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.23)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.19)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.23)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.25)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.29)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.30)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.32)</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 9;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Less :Policy Admin Charges</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.04)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.03)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.04)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.05)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.06)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.07)</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> (0.09)</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 10; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 132.0pt;" valign="bottom" width="176"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;">Net NAV</span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 10.00 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 11.36 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 9.48 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 11.37 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 12.72 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 14.64 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 14.79 </span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 48.0pt;" valign="bottom" width="64"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: black;"> 16.05 </span></b></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-3463481147463556682012-04-16T23:56:00.002-07:002012-04-27T04:33:42.703-07:00Types of Mutual Funds<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 10pt; line-height: 115%;">Types of Mutual Fund :</span></b></div>
<div class="MsoNormal">
<span style="font-size: 10pt; line-height: 115%;">Mutual Fund
is Common Money of investors which is managed by Asset management company.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 10pt; line-height: 115%;">Now the Popular
perception of Mutual Fund is that They invest only in Share markets, this is a
wrong perception, </span></div>
<div class="MsoNormal">
<span style="font-size: 10pt; line-height: 115%;">The mutual Funds can be divided as follows.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 10pt; line-height: 115%;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 10pt; line-height: 115%;">Equity Mutual Funds : these invest the
money in stocks listed on share market.</span></div>
<div class="MsoListParagraphCxSpFirst" style="text-indent: -0.25in;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 10pt; line-height: 115%;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 10pt; line-height: 115%;">Debt Mutual Funds : These invest the
Money by giving the fund on loans</span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -0.25in;">
<span style="font-size: 10pt; line-height: 115%;"> E.g. Fixed Deposits in Bank,Company Fixed
Deposits, Government Securities etc. </span><br />
<br />
<span style="font-size: 10pt; line-height: 115%;"> <span style="font-size: small;"><b><a href="http://khotapaisa.blogspot.in/2012/04/taxation-of-mutual-funds.html">MF Taxation Link </a></b></span></span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: -0.25in;">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 10pt; line-height: 115%;">There
are mixed funds also which employ a mix of both which I explain in following table</span></div>
<div class="MsoNormal">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="height: 30.0pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Type</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Equity Portion</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 60.3pt;" valign="top" width="80"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Debt Portion</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 106.2pt;" valign="top" width="142"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Final Investment in</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Avge Returns</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 49.5pt;" valign="top" width="66"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Risk</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Optimum Investment period</span></b></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Equity Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">100%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 60.3pt;" valign="top" width="80"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">0%</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 106.2pt;" valign="top" width="142"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Listed Shares</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">12-15%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 49.5pt;" valign="top" width="66"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">HIGH</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">5Yrs+</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Balanced Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">65%-75%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 60.3pt;" valign="top" width="80"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">35%-25%</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 106.2pt;" valign="top" width="142"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Listed Shares & Bank FD,Company FD</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">10-11%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 49.5pt;" valign="top" width="66"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Medium</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">3Yrs+</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Income Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">20%-30%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 60.3pt;" valign="top" width="80"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">80%-70%</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 106.2pt;" valign="top" width="142"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Bank FD, Company FD,Commercial Papers
& Listed Shares</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">8-10%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 49.5pt;" valign="top" width="66"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Lower</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">2Yrs+</span></div>
</td>
</tr>
<tr style="height: 30.0pt; mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Debt Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">0%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 60.3pt;" valign="top" width="80"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">100%</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 106.2pt;" valign="top" width="142"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Bank FD, Company FD,Commercial Papers,</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">8-9%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 49.5pt;" valign="top" width="66"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Low</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">1-3Yrs</span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Gilt Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;"> 0%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 60.3pt;" valign="top" width="80"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">100%</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 106.2pt;" valign="top" width="142"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Only Government Securities</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">8-9%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 49.5pt;" valign="top" width="66"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Minimal</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 15.0pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">1-2 Yrs</span></div>
</td>
</tr>
<tr style="height: 30.75pt; mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; height: 30.75pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-size: 10pt;">Liquid/Ultra Liquid Funds</span></b></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.75pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;"> 0%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.75pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 60.3pt;" valign="top" width="80"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">100%</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.75pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 106.2pt;" valign="top" width="142"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Bank FD/Commercial papers for a term
of 120 Days or less</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.75pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">7-9.5%</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.75pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 49.5pt;" valign="top" width="66"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Minimal</span></div>
</td>
<td nowrap="nowrap" style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 30.75pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 72.9pt;" valign="top" width="97"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-size: 10pt;">Around 1 year</span></div>
</td>
</tr>
</tbody></table>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-58049427820215668712012-04-15T23:12:00.002-07:002012-05-04T03:35:25.439-07:00Income Tax Refund Assessment Status<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoNormal">
In case you want to check the income tax refund / assessment status you can go to the following website link , put in your PAN NO.-- Assessment year & you will get the details of the IT refund Status.</div>
<div class="MsoNormal">
<span style="color: red; font-size: large;"><a href="https://tin.tin.nsdl.com/oltas/refundstatuslogin.html">https://tin.tin.nsdl.com/oltas/refundstatuslogin.html</a></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Additionally if you have HDFC or ICICI online account you can get a detailed form 26AS – This form will show all the receipts under your PAN No along with any TDS made.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
FOR HDFC BANK : On your left hand side menus navigate down to <span style="color: #00b0f0;">View tax Credit statements</span> </div>
<div class="MsoNormal">
Your PAN number will be visible -- Proceed further --In the next menu you can see the Form 26 AS screen, click the same & you can get detailed statements of Salary paid, TDS made on the same etc, </div>
<div class="MsoNormal">
You can also download & save this statement for your records, (available from Year 2005-06)</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>This is important because many times Banks will cut TDS on FD Interest & we will lose the TDS benefit as the TDS certificate arrives late. </b></div>
<div class="MsoNormal">
<b>Alternatively In some cases if a payment is wrongly credited to your PAN No, then it is your responsibility to get the same corrected, else the Income tax people will tax you for the wrong entries,</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Do check the same………… </div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0tag:blogger.com,1999:blog-5452527363431893399.post-24139527053441455552012-04-11T20:45:00.001-07:002012-04-27T04:35:13.023-07:00Budget Impact on Salaried Taxpayers<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><span style="color: black;">For Taxable Income Between 8 to 10 lacks &
above a saving of Rs. 22,000/-</span><br />
</div>
<div class="MsoListParagraphCxSpMiddle" style="color: black; text-indent: -0.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span>Insurance policy rule changed , Now the Income
tax benefit available only if the Sum Insured is 10 Times annual premium,
otherwise the Sec 80 C benefit is lost. <i style="mso-bidi-font-style: normal;">IMPACT : Check your policy for the 10 times formula you may
have to switch products in case of issue otherwise disallowed for income tax</i><br />
</div>
<div class="MsoListParagraphCxSpMiddle" style="color: black; text-indent: -0.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";"> </span></span>Infrastructure bonds facility withdrawn. Impact
: <i style="mso-bidi-font-style: normal;">You cannot
invest Rs. 20000/- in infra bonds income tax addition of Rs 6000/-</i><br />
</div>
<div class="MsoListParagraphCxSpMiddle" style="color: black; text-indent: -0.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span>Insurance Premium: Rs 5000/- worth of Medical
Tests can be done & claimed at actual under Sec 80, <i style="mso-bidi-font-style: normal;">IMPACT : In case your medical insurance premium
is below 10,000/-, you can go for preventive medical tests up to Rs. 5000/-for
Dependent family.</i><br />
</div>
<div class="MsoListParagraphCxSpMiddle" style="color: black; text-indent: -0.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span><i style="mso-bidi-font-style: normal;">Bank
Interest Deduction:</i> Interest on <b style="mso-bidi-font-weight: normal;">Savings
Bank Accounts </b>is now exempt up to Rs. 10,000/- <i style="mso-bidi-font-style: normal;">IMPACT:<b style="mso-bidi-font-weight: normal;">
This is not applicable for FD Interest & applies only to savings bank interest</b>;
this will only save the hassle of paying Tax on those sundry interests recd. On
Savings bank balances.</i><br />
</div>
<div class="MsoListParagraphCxSpMiddle" style="color: black; text-indent: -0.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span>Donations: Sec 80G exemption of Donation to
Charities was applicable for Cash donations also but now Cash donations above
Rs. 10,000/- will be disallowed. <i style="mso-bidi-font-style: normal;">IMPACT: In case you want to donate pl. do it by Cheque only…</i><br />
</div>
<div class="MsoListParagraphCxSpMiddle" style="color: black; text-indent: -0.25in;">
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span>HUF: Hindu Undivided Family rules changed<i style="mso-bidi-font-style: normal;"> IMPACT: it makes
sense now to create an HUF for purpose of lowering tax on investments.</i></div>
<div class="MsoListParagraphCxSpMiddle" style="color: black;">
<br />
SUGGESTIONS<br />
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span>INVEST TO THE FULL EXTENT OF 1 LAC RS. IN PPF
ACCOUNT -8.8% TAX FREE RETURN NOT FROM 80C PERSPECTIVE BUT FROM EXCELLENT
RETURN PERSPECTIVE<span style="font-family: Symbol;"> </span><br />
<br />
<span style="font-family: Symbol;">·<span style="font: 7pt "Times New Roman";">
</span></span>LOOK TO INVEST IN TAX FREE INFRASTRUCTURE BONDS.
(8.3% TAX FREE RETURNS) EXCELLENT
OPPORTUNITY IN CURRRENT YEAR.</div>
</div>Siddhanthttp://www.blogger.com/profile/08989599615344347344noreply@blogger.com0