Welcome to the NetBeans Plugin Portal. Download, comment, and rate plugins provided by community members and thirdparty companies, or post your own. In early June, Pepperfry, which claims to be Indias largest organised furniture retailer, opened a 3,500 sq ft experience store in Ahmedabad, as the Goldman Sachs. IDM-2BTerbaru-2B6.21-2BBuild-2B8-2BFull-2BVersion.png' alt='Internet Download Manager 6 17 Build 10147' title='Internet Download Manager 6 17 Build 10147' />These 10 decisions will ensure that your portfolio yields better returns, your transactions become savvier and your finances improve in the new year. Mehr Datentransparenz. Microsoft verbessert den Schutz der Privatsphre in Windows 10. Uhr tonline. de, dpa, dpatmn. Ten best money moves for 2. At the beginning of 2. Instead, the Sensex has declined around 6. If you were investing for 1 2 years, these statistics would be truly worrisome. However, if your investment horizon is longer, say 5 6 years, 2. The stock market graph is never a straight line. The Niftys jagged trajectory has rewarded the patient and punished the jittery investor. What should investors do in 2. Note The JCCC Class Search has a 30 minute refresh period before open seat information will update. Thursday, June 15, 2017. INSIDE. Vol. 131, Issue 18. Caltrans reinforces road during SR78 closure. Mother and daughter graduate together. Firstly, they should continue to save and invest for their goals and not be deterred by the noise about returns. More importantly, they should not lose sight of their asset allocation. If the equity portion of their portfolio has shrunk due to the decline in equities, it is time for them to get rid of some fixed income instruments and increase the allocation to stocks. However, this is generic advice that should be followed at all times. We have drawn up a list of smart things to do with your money in 2. We didnt stop there. ET Wealth reached out to 5. Some of the steps we suggested have been heartily endorsed by the planners. More than 9. 5 believe that getting your staff to invest in the social security schemes launched by the government is a very good idea. At the same time, some suggestions like buying an online Ulip or shifting from regular mutual fund schemes to direct plans have not received a good response. Two out of three planners thought the Ulip was a bad idea, while one of every three planners gave direct plans a thumbs down. In the following pages, we will explain how direct plans can help you earn better returns and why you need to change your perspective about Ulips. We are sure that these two steps and eight other suggestions will prove rewarding in the new year. Open an NPS account Avail of additional Rs 5. Opening an NPS account should be a priority for those wanting to save more tax this year. Up to Rs 5. 0,0. 00 invested in the NPS under the new Section 8. CCD 1b gets additional tax deduction, over and above the Rs 1. Section 8. 0C. In the 3. Rs 1. 5,0. 00 from his tax liability. This would bring down the effective investment to only Rs 3. If the NPS fund you invest in earns 8 compounded returns over the next 1. Some financial planners say that investing in the NPS is not a good idea as equity mutual funds can give better returns than the NPS, where theres a 5. Even though investments in equity funds are not eligible for tax deduction, their potential to give superior returns more than makes up for it. The other problem with NPS is the rigid rules for investing the corpus on maturity. After 6. 0, at least 4. Withdrawals are taxable and the pension from annuity is taxed at normal rate. The monthly pension from annuity will be a mix of principal and interest, but the entire amount will be taxed. Experts admit that taxing annuity income means the principal will also be taxed, but point to the deduction the investor enjoys at the time of contribution. The investor only defers the tax till after retirement, says Amitabh Chaudhry, CEO and MD, HDFC Life. Start using an e wallet You get cash back and its safer than online usage. This year, the RBI granted licences for payment banks to 1. As e wallets are expected to play a key role, you can start using these for discounts, cashbacks and other incentives. This, even as players like Paytm, Pay. U and Mobikwik are already offering significant cashbacks. Some financial planners believe that ease of online transaction and heavy discounting have led to a rise in discretionary expenses. We have seen budgets for food and clothing increase two fold in the past two years, says Priya Sunder, Director, Peak. Alpha, a wealth management firm. However, there are incentives even for essential household expenses like grocery, Internet, DTH and mobile bills see table. Other categories include taxi rides, movie tickets, online shopping, food orders, hotel bookings, and flight, train and bus tickets. There are monetary rewards for referring others as well. The walletsin which you can put in Rs 1. They are safe, convenient and rewarding, says Abhijit Bhave, CEO, Karvy Private Wealth Management. The sites maintain the same security level as that for any other banking transaction and you can limit your loss by putting less money in the account. The only limitation is that they are semi closed, which means you can transact only online on limited partner sites. Move to direct mutual funds Lower charges lead to higher returns. Investors stand to gain from direct plans of mutual funds since lower charges translate to higher returns. The difference in returns is more pronounced for equity funds. In debt funds, the expense ratio of regular plans is not too high, so the difference is lower. In liquid funds, the expense ratio is very low, so the difference is wafer thin. In the three years since these were launched, the average largecap diversified fund has given 1. Even a 1 difference can grow to a big sum in the long term see chart. Before you switch, however, check if you have crossed the minimum tenure set by the taxman. In equity and balanced funds, shift after completing a year or the 1. In debt funds, debt oriented hybrid funds and gold funds, wait for three years or the gains will be added to your income and taxed at marginal rate. Even after three years, gains will be taxed at 2. Replace fixed deposits with debt funds These are more tax efficient and give higher post tax returns. Fixed deposits FDs are safe, but also tax inefficient. Short term debt funds, whose portfolio has a combined credit risk almost at par with FDs, can be a better alternative. Though the returns generated from short term debt funds are similar to the interest you earn on FDs, the tax benefits mean that the actual return from debt funds is higher if you hold them for more than three years. This is why nearly eight out of 1. In a debt fund, the long term capital gains are taxed at 2. This is a game changer for those in the 3. Rs 1. 0 lakh a year. Instead of shelling out 3. Besides this, there are ways that the capital gains can be set off if you invest in a debt fund. No such options are available for interest income from FDs, says Bhuvana Shreeram, Head, Financial Freedom Golden Practices, a Mumbai based wealth management fund. Debt funds also help in deferring the tax. In the case of FDs, you have to pay tax on the interest income every year, whereas in the case of debt mutual funds, tax is payable only when you generate an income, that is, when the units are sold during redemption. Monetise gold investments Gold bonds offer 2. The government has given investors a good reason to not buy gold in 2. Launched in November 2. Update Database In Java Netbeans Free. If we assume that gold prices will rise by 5, the bonds will yield an annualised return of 7. This is higher than that of the gold deposit scheme see table. Gold bonds offer several advantages. One, you dont need to worry about the purity of gold. Two, the return is 2. Finally, you dont have to worry about its safety, says Sunder of Peak. Alpha Investments. Its time to get rid of your gold ETFs as well. You pay 1 on the fund per year, but if you sell and put the proceeds in gold bonds, you earn 2. However, take note of the tax implications and dont forget that gold bonds are less liquid than ETFs. They have a tenure of eight years with an exit option after the fifth year. Purchases have to be made within the stipulated time and there is also a 5. Gold ETFs are attractive if you want to stagger investments and they offer liquidity on the exchange, says Lovaii Navlakhi, CFP and MD, International Money Matters. However, if you already have bars and coins, put these in the gold monetisation scheme to earn an extra 2. Investing via gold ornaments is the worst as making charges 1. Invest in the Sukanya scheme If you have a daughter below 1. Launched in January 2. Dont get us wrong we are not suggesting that the Sukanya Samriddhi Yojana SSY should be seen as an alternative to equity investments.