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Thoughts on Investments in India

Private Equity, Micro Finance, Stock Market, Mutual Funds

Benefit From Gray Arrow Kaytek Investment Consulting Insights

In this section, we analyse and provide critical inputs on some of the stock market, real estate, mutual funds, microfinance ventures, private equity, venture capital investments, schemes and instruments in India.

Down Arrow Infrastructure Bonds Under Section 80 CCF (5th February 2011 )

Gray Arrow Investors Beware - Do not be misled by the High Returns being advertised in the brochures of these companies.

In these times of uncertain share market movements, many investors are looking at fixed income instruments to protect their money and tax savings.

IDFC has just launched their new Infrastructure Bonds where under Income Tax Section 80 CCF, an investor gets an additional limit of 20000 for tax savings. As per their brochures, tax shields of 17.85 % under Non-Cumulative Option & 16.29 % under Cumulative Option are being shown.

However, as per our workings, the IRR (Internal Rate of Calculation) is much lower and is approximately as follows :

Gray Arrow Non-Cumulative Option - 14.68%

Gray Arrow Cumulative Option - 13.97%

Also, articles in financial newspapers - DNA, Economic Times & Hindu's Business Line arrive at similar conclusions on the real return from these infrastructure bonds.

There should be regulations in place to check wrong claims of higher returns.

Gray Arrow Structural Changes in Global & Indian Financial Systems & Markets.

Down Arrow Understanding Intangible Capital for Investments

Gray Arrow Understanding & Measuring Intangible Capital As A Critical Organizational Asset.

Down Arrow Mumbai as India's Financial Capital

Gray Arrow Drivers Generating The Need For Capital in Mumbai. Square Separator Real Estate in Mumbai - Weblog - What would Warren Buffet think of Overheating of Mumbai's Real Estate Market ?

This is not Investment Advice. Kindly consult your stock broker or investment advisor.

Down Arrow Personal Finances

Down Arrow The Power of Compounding By Richard Russell (7th February 2011 )

Richard Russell of Dow Theory Letters Inc wrote a famous article titled "Rich Man, Poor Man" on the Power Of Compounding of Regular Savings early on in life. There are 2 investors - 'A' & 'B'.

Investor 'A' starts investing at the age of 26 and saves Rs 20,000 annually for the next 40 years. Hence, till the age of 65, he has invested a total of Rs 8,00,000 (0.8 Million). His investments are assumed to earn 10% per annum.

Investor 'B' starts investing early at the age of 19 and saves Rs 20,000 annually for the next 7 years only. Hence, till the age of 25, he has invested a total of Rs 1,40,000 (0.14 Million). He stops investing thereafter. His investments are also assumed to earn 10% per annum.

When both 'A' and 'B' meet after 65 years, 'A' has earned Rs 9.7 Million - 12 Times on his investments of 0.8 Million.

However, 'B' has earned Rs 9.4 Million - 67 Times on his investments of 0.14 Million even though he invested only for 7 years but started earlier than 'A'.

Gray Arrow Difficult to Believe ? - Check out the Calculations.

Gray Arrow All Personal Finance & Investment Strategies for 2009 and beyond will have to take into consideration 3 main challenges in the years ahead - The Economic & Financial Meltdown & Recession, The Global Terrorism Threat & The Climate Change Catastrophe. (6th January 2009).

Gray Arrow How to Raise Incomes and Cut Expenses - Some tips.

Down Arrow Macro global / India assumptions, suggestions & thoughts for Private Equity Partners / Venture Capital Managers on possible strategies to drive their portfolio companies ( 26th February 2009)

Gray Arrow Managing Current Transformational Shifts in the Global Private Equity Landscape.

Gray Arrow Drive Capex / Opex To derive Operational Efficiencies for maximum ROI for Investments.

Gray Arrow Target Higher Growth Opportunities in under penetrated Indian / global markets.

Gray Arrow Leverage Paradigm Shifts in Branding, Marketing & Communications.

Gray Arrow Use Innovative Strategies for Cross Leveraging of Strengths Of Portfolio Companies.

Gray Arrow Implementation of Environment friendly strategies as a key business imperative.

Gray Arrow Address Changing Aspirations & Demographics of Indian Consumers.

Down Arrow Stock Market Investments

Gray Arrow
Analysis of a Stock Market Portfolio Management Scheme (PMS).

Gray Arrow Stock Market - Share Price & Periodic Charts (HLOC, Line, CandleStick) Data. (Adobe Flash Player Required). (24th August 2007 ).

Down Arrow Are You A Shareholder of a Software Company ? Do you know where your money is going ? ... Jack-N-Jill ?

Down Arrow Mutual Funds in India

Down Arrow Close Ended Mutual Funds

Gray Arrow Best Performing / Top Close-Ended Mutual Funds based on Highest Returns in Financial Year 2012 - 2013.

Gray Arrow Archives - Calendar Year Square Separator 2010 Square Separator 2009 Square Separator 2008 Square Separator Dec 2007 Square Separator Feb 2007 Square Separator Sep 2006.

Down Arrow Open Ended Mutual Funds

Gray Arrow Best Performing / Top Open-Ended Mutual Funds based on Highest Annual Returns in Financial Year 2012 - 2013 in different ( Balanced, ELSS, Floating Rate, Fund Of Funds, Gilt, Growth, Income, Liquid & Money Market) Categories.

Gray Arrow Archives - Calendar Year Square Separator 2010 Square Separator 2009 Square Separator 2008 Square Separator Dec 2007 Square Separator Feb 2007 Square Separator Sep 2006.

Down Arrow Debt Funds

Gray Arrow Investor Query - Where To Invest Rs 2 lakhs for more than a year ? (6th March 2013 ).

For a period more than a year but less than 3 years, one can invest a lakh each in the following debt funds: IDFC Dynamic Bond Plan A Growth & SBI Dynamic Bond Growth .

Kindly invest using the Growth Option due to increased dividend distribution tax on debt mutual funds in the last budget.

Also, to avoid Income Tax AIR (Annual Information Reporting), ensure that less than than two lakhs per annum is invested in any individual mutual fund.

Gray Arrow HDFC Debt Fund For Cancer Cure (2nd March 2011 )

HDFC Mutual Fund in association with Indian Cancer Society has launched a 3 year Capital Protection Oriented Debt Fund for cancer cure. This allows the investor to donate either 50% or 100% of the dividend income earned on the Fund to Indian Cancer Society to help needy cancer patients with their treatment.

Gray Arrow Microfinance in India.

Gray Arrow Our Software projects & services for the Financial Services Industry.

Gray Arrow Global Convertibility of Knowledge Capital is a reality.

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Updated on 9th April 2018.
Created on 30th August 2005.

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