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Investment Plan Archives - Sunnywebmoney.com

SunnyMay 24, 2018
post-office-schemes-1.jpg

2min00


अगर आप ऐसे विकल्प की तलाश में हैं जो जोखिम मुक्त होने के साथ आपका Tax भी बचाए तो डाकघर की बचत योजनाएं आपके लिए बेहतर हो सकती हैं.

अपने भविष्य को बेहतर बनाने के लिए लोग तरह-तरह के निवेश विकल्प का इस्तेमाल करते हैं. लोग अक्सर ऐसे निवेश विकल्प की तलाश में रहते है जो जोखिम भरा नहीं हो. अगर आप ऐसे ही विकल्प की तलाश में हैं जो जोखिम मुक्त होने के साथ आपका Tax भी बचाए तो डाकघर की बचत योजनाएं आपके लिए बेहतर होगी. पीपीएफ, एनएससी, वरिष्ठ नागरिक बचत योजना, किसान विकास पत्र जैसे डाकघर की बचत योजना भी एक ऐसा विकल्प हैं जिस पर आप विचार कर सकते हैं. इस समय हम एक ऐसे दौर से गुजर रहे है जहां अनिश्चितता व्याप्त है, निश्चित रिटर्न पाना अब बहुत मुश्किल हो चुका हैं. डाकघर की बचत योजनाएं ऐसे समय में हमारे लिए तारणहार की तरह है. यह योजनाएं आपको छोटी अवधि में बेहतर रिटर्न्स न दे पाएं पर यह निश्चित ही आपके लिए एक बेहतर विकल्प होगा अगर आप लंबे समय के लिए पैसा लगाना चाहते हैं.

पैसाबाजार के सीईओ और सह-संस्थापक नवीन कुकरेजा के अनुसार डाकघर की बचत योजनाओं के सभी निवेश विकल्पों में कम से कम जोखिम होता है. चूंकि इन बचत योजनाओं को भारत सरकार द्वारा जारी और प्रबंधित किया जाता है, इसलिए निवेश की गई राशि और उत्पन्न रिटर्न की गारंटी संप्रभु गारंटी द्वारा की जाती है. उनकी ब्याज दरें तिमाही समीक्षा के अधीन हैं जो कि 10 साल की सरकारी बॉन्ड उपज की पैदावार के आधार पर होता हैं.

बैंकबाजार के सीईओ आदिल शेट्टी आगे बताते हैं की यह स्कीम लंबी अवधि के निवेश और वरिष्ठ नागरिकों के लिए बेहतर विकल्प हैं क्योंकि इस वर्ग के पास अतिरिक्त डिस्पोजेबल आय होती है लेकिन यह नहीं पता होता कि इसे निवेश कहां करे. हालांकि, जो लोग आपात स्थिति में इन्हें तोड़ने की तलाश में होते हैं और तुरंत एकमुश्त रकम चाहते हैं उन्हें अन्य विकल्पों को देखना चाहिए क्योंकि इन्हें तय समय से पहले वापस नहीं ले सकते.

यहां कुछ शीर्ष पोस्ट ऑफिस सेविंग स्कीम और उनकी वर्तमान ब्याज दरों को देखते हैं.

डाकघर बचत योजनाएं ब्याज दर   लिक्विडिटी
PO Savings A/c 4% p.a. निकासी पर कोई प्रतिबंध नहीं
5-Year Post Office Recurring Deposit 6.9% 3 साल के बाद समय से पहले बंद करने की अनुमति.
​​Post Office Fixed Deposit 6.6-7.4% 6 महीने के बाद समय से पहले बंद करने की अनुमति.
Post Office Monthly Income Scheme 7.3% p.a. 5 साल की परिपक्वता अवधि: 1 साल के बाद समय से पहले बंद करने की अनुमति.
Senior Citizen Savings Scheme 8.3% 5 साल की परिपक्वता अवधि: जुर्माना के भुगतान पर 1 वर्ष के बाद समय से पहले बंद होने की अनुमति
Public Provident Fund 7.6% 15 साल की लॉक-इन अवधि. समय पूरा होने से पहले बंद नहीं कर सकते. खाता खोलने के 7वें वर्ष से आंशिक निकासी की अनुमति है.
National Savings Certificate 7.6% 5 साल की परिपक्वता अवधि. समयपूर्व बंद या आंशिक निकासी की अनुमति नहीं है.
Kisan Vikas Patra 7.3% वर्तमान ब्याज दर के आधार पर 9 साल और 10 महीने की परिपक्वता अवधि. 2.5 साल की लॉक-इन अवधि.
Sukanya Samridhi Account 8.1% लड़की की उम्र 18 साल होने के बाद शिक्षा और शादी के खर्चों के लिए आंशिक निकासी की अनुमति है.
पैसाबाजार डॉट कॉम से  साभार.

आप अपने जरुरत अनुसार उन योजनाओं का चयन कर सकते हैं जो आपके वित्तीय लक्ष्यों के लिए फिट बैठते हैं. हालांकि, यदि आप दो अंकों में रिटर्न की तलाश में हैं और कुछ जोखिम लेने को तैयार हैं, तो आपको ऐसे योजनाओं से ऊपर देखना होगा.

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SunnyMay 24, 2018
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4min00


The road to flying taxis cranked up a gear on Thursday after ride-hailing app Uber said that it plans to invest €20m in France over the next five years to develop aerial mobility.

Uber will put the investment towards creating a research and development centre that will initially focus on Uber Elevate: vertical takeoff and landing aircraft that can be deployed as uberAIR flights.

Uber has said previously that it wants to operate demonstrator flights starting in 2020 and begin commercial operations in 2023. It has already selected Dallas and Los Angeles as its first two launch cities and is seeking a third. 

Uber also said on Thursday that it will launch a five-year research partnership with École polytechnique, one of France’s prestigious “grandes ecoles.” 

The investments in France are a boost to president Emmanuel Macron, who has been courting international companies as he seeks to make the country into a global technology hub. Uber has in the past had a fractious relationship with France, one of its largest markets, where its low-cost car sharing service UberPOP was declared illegal and the company faced continuous spats over pricing and employee rights. 

“With world-class engineers and a leading role in global aviation, France is the perfect place to advance our Uber Elevate program and new technology initiatives,” Uber chief executive Dara Khosrowshahi said in a statement. “We’re excited to partner with École polytechnique to shape the future of urban mobility, on the ground and in the air.” 

Separately, on Wednesday Facebook announced a further investment in France to mark the third anniversary of its artificial intelligence lab in Paris – the company’s largest artificial intelligence = research centre in the world. The investment is centred on research: Facebook committed to funding 48 university grants and eight theses by 2022, and said it is donating 20 servers to research institutes.

The announcements came as Facebook founder Mark Zuckerberg and Mr Khosrowshahi visited Paris this week, where on Wednesday they were two of four chief executives to have a one-on-one meeting with president Macron.

Paris is home to Facebook’s In January the group said it would invest €10m in the French research base over five years to double the number of AI scientists to 60 and increase its funding of PhD candidates from 10 to 40.

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SunnyMay 24, 2018
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20min00


A lot of people ask me how I choose to invest in startups. Stage? Revenue metrics? Sector?

I’m not proactively funding at different stages. I’m proactively funding brilliant people trying to solve hard problems.

Focusing on this simple goal of identifying and enabling amazing entrepreneurs to create a better tomorrow is the crux of my investment strategy.

My startup investment “formula”

A lot of venture funds try to optimize for returns. They run complex ratio economic models to determine what their diluted value will be at the end of the life cycle of the optimal and non-optimal case of every given company.

I don’t do that. I just try to fund the best and brightest.

I love working with the smartest and brightest people in the world on some of the hardest challenges. And oftentimes I make a return as a result of that.

I weigh investments based on two vectors:

  • Return
  • Happiness

The primary litmus I put on any investment is on behalf of my LPs. Will the capital have a potential of 6-10x returns in five, eight, 10 years? If not, it’s not going to be worth our time and money.

But it’s not the only factor.

If we’re happy doing the work that we’re doing on behalf of this company and relatively confident that we can return for our LPs, it’s an investment worth making.

It seems counterintuitive, but it actually works — our first fund is showing 8-9x returns.

I’ve had the experience where I’ve lost all my money. But more often than not, I’ve had the other experience.

A lot of companies might not have 100x return, but they have 5-6x return and they’ve solved an important problem. By measuring both the financial return of the investment and the happiness of being a part of that journey, I can holistically gauge the net outcome.

Image: Bryce Durbin/TechCrunch

Know what you don’t know

It’s really easy to box yourself out of really great companies by having mathematical guard rails that don’t necessarily hold up over time.

At the time of investment, it can be difficult to anticipate the future products that end up being the largest revenue drivers.

If you had the insight to know that the value they were returning to customers was great enough that eventually they would find a way to monetize it, you would have invested in Facebook.

But if you’re operating on a purely mathematical model, you might not have been able to do that.

I remember sitting down with one of my mentors around eight years ago. He listed 10 companies on a white board and said “rank for me from top to bottom which company you think is the most valuable. Now rank for me from top to bottom which company has the most revenue.”

I had a mix of ones, fives and sevens; whether I thought they were going up or down the list on both sides.

It turns out that the company with the least amount of revenue was the most valuable. And the company with the most amount of revenue was the least valuable.

Image: Lee Woodgate/Getty Images

What I look for in founders

When I make an investment in a startup company, I plan on the likelihood that I’ll end up working with that person for five to 10 years.

I don’t have a magic formula, but there are four important factors that must all check out for me to invest in a founder.

1. Domain Expertise

The best founders have some unique insight in the domain where they’re building a company that gives them some edge. I often find that it’s one of three factors:

  1. Deeper understanding of consumer behavior
  2. Historical insight
  3. Data

There’s usually some initial edge that is really clear and that gives you confidence that they have absolute domain expertise for whatever problem they’re trying to solve.

2. Grit

Founders need some capacity of perseverance through really, really tough situations.

I’ve never heard a single story of someone building a company where everything went the way they thought it was going to go.

And when things don’t go the way you think they’re going to go, will you have the capacity and the willingness and the perseverance to sort of go through it?

This one is difficult to assess, and I generally go by gut instinct on meeting with the founder.

3. Purpose

Is whatever they’re building someway connected to a greater purpose in which they’re personally invested?

Whatever they’re building has some resonance relative to who they are, how they are and what they believe — because belief systems don’t go away when you get into trouble or come across a difficult challenge.

4. Charisma

There’s a level of charisma that many great founders have, especially if they want to be the CEO of their company.

When I meet with a founder with true charisma, I usually come away feeling like I want to quit my job and go work for them. Because if I don’t get that sense or that feeling that I want to quit everything that I’m doing to go work for them, the best person for the job that they are hiring for isn’t going to have that feeling either.

Recruiting is the hardest thing that any CEO has to do.

They have to be able to sell themselves, sell their vision, and sell their company. If they don’t have the charisma to sell it to me, I find it hard to believe that they’re going to be able to sell it to somebody else.

Image: Boris Austin / Getty Images

What makes me wary of founders

A founder can do many things to represent themselves poorly, but here are three:

1. Display questionable principles

I’m a very principle-driven person.

I have certain litmuses around gender equality, racial equality and working with good humans. I only want to work with founders and invest in companies that share my principles.

I want to be connected and associated with people who represent their brand in a way that I would represent mine.

It’s so easy to get distracted by the numbers and models and projections — and don’t get me wrong, these are important.

But also, I’m looking at human beings build businesses. I want to work with good people and people who respect other people and people who have good moral fiber.

2. Lack of domain expertise

If the person doesn’t know their numbers it’s an immediate killer.

I often drill down into the domain the founder is working in. There are often brand new, disruptive ideas that I’ve never seen before. It’s easy to get caught up in the excitement of that, but the economics still need to make sense.

If someone doesn’t understand the economics and the motivational drivers within a given sector, it becomes rapidly clear whether or not somebody has domain expertise.

And if they don’t understand the domain and have a unique insight, they’re probably not going to be able to build something special.

3. Lack of respect for time

The biggest key people often forget when they’re busy trying to sell what they’re doing is a basic, human understanding of other people.

Smart people know the right time and the right way to connect with someone.

I’ve answered cold emails from people who are really well-formulated, thought out, respectful of my time and respectful of me.

I’ve taken elevator pitches from people.

I’ve had meetings set up with strangers.

If you know somebody hasn’t even sort of taken the time to consider your time, they’re probably not going to consider the time of other people. And I think that’s going to negatively affect them and their company.

When a founder or company approaches me in a way that’s not considerate and respectful of my time and what I’m interested in, I have a hard time looking past that.
Image: Bryce Durbin/TechCrunch

My role as an investor in the growth of a startup

I believe the job of the investor goes way beyond fueling the company with cash. It’s about fueling the company with expertise, intelligence and connectivity.

On paper, growing a startup can roughly be summarized as follows:

  1.    Early-stage validation
  2.    Have an idea
  3.    Crank out an MVP
  4.    Get that MVP to customers
  5.    Establish feedback loop
  6.    Make sure customers appreciate the product
  7.    Establish a customer/product development feedback loop so the customer can improve the product
  8.    Build a company
  9.    Hire to fill initial capacities
  10.    Find product market fit
  11.    Market product to reach all target consumers
  12.    Build teams
  13.    Raise more money

Over the last 12 years of being an investor I’ve seen companies at every one of those life cycles. Each one of those transitions is a different discipline; a different challenge in and of itself.

As a founder, I think it’s really important to surround yourself with people who have seen it before, understand it, know what it’s like and know how to persevere through it.

That’s what an investor group does.

Image: Shutterstock

For example, going from a bootstrap company into a company that can scale is a tricky discipline.

A lot of founders make the really early mistake of hiring people just like them, instead of hiring people who bring unique diversity and expertise to their team.

And after the initial batch of hires is made, you transition from micromanaging into macromanaging; building startups within your startups, the variable divisions required to properly scale the company.

Investors who have helped companies through similar transitions can help you avoid pitfalls associated with these milestones. These are the very pitfalls that often derail early-stage companies.

Fast-forward to the growth stage and fundraising is a monster in and of itself. You have these checkpoints where you’ve got to go and raise additional funding — and the future of the company relies on executing.

And then eventually you get to the point where either you’re going public or there’s an acquisition. That’s incredibly tricky and not something that a lot of founders are ready for.

Every company’s situation is different.

If you’re a small team — two or three people — you might look to add 10 investors. I recommend building an investment team that has variable experience across different firms and individuals.

A lot of founders only target big firms. But you really want to get the person who understands your needs, your challenge and can help guide you through it — regardless of where they come from.

It all comes back to the purpose and principles

Make no mistake: I have a rigorous process around numbers.

Estimated TAM, IRR, NPV — we run them all.

But when weighed against potential impact for humanity and capability of individuals at the helm, I put slightly more value than most investors.

Maybe in the long run, I’ll fall into an even more disciplined manner of allocating capital.

But for now, I’m just going to keep working with great people on the problems that I want to work on.

Find good people solving tough problems and the financials often sort themselves out. 

This post was originally published on Atrium.

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SunnyMay 23, 2018
forbes_1200x1200.jpg

6min00


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While the Tax Cuts and Jobs Act significantly cuts taxes for US corporations, it may have created so much uncertainty that the promised benefits of those tax cuts—new productivity-enhancing investment and a shift of foreign capital to the US—are being delayed.

At last week’s National Tax Association’s annual policy conference, much of the conversation revolved around this high level of uncertainty. Tax practitioners as well as academic economists reported that large multinational businesses—and their tax advisers– do not yet understand the new law, and thus are reluctant to commit to major investments.

On one hand, corporations are pleased with the TCJA’s tax rate cut from 35 percent to 21 percent and it’s more generous tax treatment of some business investment. But the law’s new regime for taxing the profits of US-based multinationals has tax experts scratching their heads.

Unique and untested

The law shifted the US from a hybrid worldwide corporate tax system, where profits of US-based firms were subject to US tax no matter where they were earned, to a version of a hybrid territorial system, where the US taxes only profits made in the US.

But the TCJA’s modified territorial system is unique and untested. It includes at least four changes that introduce new and complex rules for multinationals, three of which come with their own acronyms:

There is a new US tax on Global Intangible Low Tax Income (GILTI) from foreign affiliates in excess of 10 percent of the firm’s tangible overseas capital investment (less depreciation). Through 2025, the minimum rate on that income is 10.5 percent, though companies can claim an 80 percent credit for foreign taxes attributable to GILTI.  As a result, the tax applies to income in any country with an effective rate of less than 13.125%. After 2025, GILTI will apply in countries with corporate rates of less than 16.406%.

Little clarification this year

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While the Tax Cuts and Jobs Act significantly cuts taxes for US corporations, it may have created so much uncertainty that the promised benefits of those tax cuts—new productivity-enhancing investment and a shift of foreign capital to the US—are being delayed.

At last week’s National Tax Association’s annual policy conference, much of the conversation revolved around this high level of uncertainty. Tax practitioners as well as academic economists reported that large multinational businesses—and their tax advisers– do not yet understand the new law, and thus are reluctant to commit to major investments.

On one hand, corporations are pleased with the TCJA’s tax rate cut from 35 percent to 21 percent and it’s more generous tax treatment of some business investment. But the law’s new regime for taxing the profits of US-based multinationals has tax experts scratching their heads.

Unique and untested

The law shifted the US from a hybrid worldwide corporate tax system, where profits of US-based firms were subject to US tax no matter where they were earned, to a version of a hybrid territorial system, where the US taxes only profits made in the US.

But the TCJA’s modified territorial system is unique and untested. It includes at least four changes that introduce new and complex rules for multinationals, three of which come with their own acronyms:

There is a new US tax on Global Intangible Low Tax Income (GILTI) from foreign affiliates in excess of 10 percent of the firm’s tangible overseas capital investment (less depreciation). Through 2025, the minimum rate on that income is 10.5 percent, though companies can claim an 80 percent credit for foreign taxes attributable to GILTI.  As a result, the tax applies to income in any country with an effective rate of less than 13.125%. After 2025, GILTI will apply in countries with corporate rates of less than 16.406%.

Little clarification this year

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SunnyMay 23, 2018
e03ef798-4968-11e8-8c77-ff51caedcde6

5min00


Deutsche Bank is set to cut up to 10,000 jobs, with the heaviest losses falling in its struggling investment banking division in the US and UK, as part of global restructuring plans to revive Germany’s largest lender.

The bank’s supervisory board will take a final decision on Wednesday evening ahead of its annual shareholder meeting on Thursday in Frankfurt, according to a person briefed on Deutsche’s plans.

That person said 10,000 cuts was at the “upper end of the scenarios that are being discussed”, adding that it was the “most likely outcome” but that no final decision had been made as of Wednesday afternoon. This would represent about 10 per cent of Deutsche’s global workforce. Deutsche Bank declined to comment.

The lender was likely to confirm the job losses in a statement on Wednesday night or Thursday morning, another person with knowledge of the matter said.

Chairman Paul Achleitner and chief executive Christian Sewing face a tumultuous annual meeting on Thursday, with shareholders voting on a motion to remove Mr Achleitner from the board.

Hermes Investment Management, which has around 0.5 per cent of the voting rights in Deutsche, on Tuesday urged the supervisory board to start to look at “plans for the succession of Paul Achleitner”. Another of Deutsche’s largest investors told the FT that it was “very unhappy” with Mr Achleitner’s performance but would vote against the motion to oust him.

The vote comes just months into the tenure of Mr Sewing, who replaced John Cryan as chief executive after a succession process that was widely criticised by investors.

Mr Sewing has pledged to return the bank to sustainable profitability after its third consecutive annual net loss in 2017 by slashing costs and cutting underperforming operations.

He wants Deutsche to focus on its traditional roots in European wholesale banking and financing European corporates, scaling back its previous ambition to go to head to head with the likes of Goldman Sachs and JPMorgan as a leading global investment bank.

The bank said job losses would be needed to meet its 2018 cost-cutting target after pre-tax income in the corporate investment bank collapsed 74 per cent in the first quarter. Since late April, Deutsche has cut more than 400 investment banking jobs in the US. 

The person familiar with the bank’s plans said that the 10,000 jobs included “a few thousand jobs” at Deutsche’s German retail division Postbank, which were already earmarked to be culled. The Wall Street Journal first reported the plans on Wednesday.

Roughly half of the additional job cuts would be taking place in the group’s struggling investment bank, he added. “Most of the cuts will happen in the US, but London will see the axe too.”

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SunnyMay 22, 2018
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4min00


Payments startup Circle has launched the full version of its crypto investment app.

After a soft launch back in March 2018, the company is making the app with its full suite of services available as of Tuesday. Circle first announced its investor-focused app back in November and later released it in 46 U.S. states as part of an “early access availability” phase.

One of the features going live on Tuesday is the “Buy the Market” tool, which is geared toward newer users, Circle senior product manager Rachel Mayer told CoinDesk.

“‘Buy the Market’ is the culmination of all we’ve been doing since the soft launch,” she said, going on to explain:

“It’s trying to solve the problem of signing up and trying to be a newbie investor and you’re not sure how much to put in and where and why. ‘Buy the Market’ is just a very easy way to invest in the seven supported assets on Circle Invest, you choose the funds you’d like to invest in, and we do the rest. We automatically divide the investment into each specific coin market cap waiting and you can purchase the coin instantly.”

“The focus is the market,” Mayer added.

Circle Invest will mark assets up by 1 percent when users buy or sell a particular cryptocurrency, but will not charge any fixed fees on top. This differs from existing trading platforms, which she said charge both a markup and trading fees.

In recent weeks, Circle has added support for cryptocurrencies such as monero and zcash. Mayer told CoinDesk that Circle was “actively thinking about when to add new coins,” but didn’t elaborate on when or which cryptocurrencies would be added to the app.

Bitcoin tokens image via Shutterstock

The leader in blockchain news, CoinDesk is a media outlet that strives for the highest journalistic standards and abides by a strict set of editorial policies. CoinDesk is an independent operating subsidiary of Digital Currency Group, which invests in cryptocurrencies and blockchain startups.

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SunnyMay 22, 2018
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6min00


Investors would be surprised to hear that they themselves might be the biggest threat to their own investment returns. This is because emotional and cognitive biases affect our decision making.

Investing is simple but not easy. Most of the times you need to analyse and effectively understand a lot of information, and even make decisions based on inadequate information.

In order to shorten the analysis time when making decisions, the brain uses emotional filters and shortcuts to process and analyse information. This results in people making irrational and biased decision which can lead to bad investment returns.

Below are some of the most important biases to look out for when making investment decisions:

1. Overconfidence

This is when you place too much confidence in your own abilities. Put simply, it is the illusion of knowledge.

The result is that people underestimate risk and overestimate their knowledge and ability to predict and control events. This leads to excessive trading, risk taking and poor trading decisions.

Investors usually exhibit overconfidence after a period of success. So, beware of this bias after you had a good run of choices, forecast or trades. 

2. Loss aversion and regret

Regret is an emotional pain that people feel when realising that a decision they made was the wrong one. People naturally seek actions that cause pride and ignore ones that lead to regret.

The fear of regret causes investors to hold on to losers too long and sell winners too early. Instead of selling the loser and using the money to invest in something better, you hold on to the share with the hope that it will at least break even and in the process, you avoid the feeling of regret.

3. Confirmation bias

This occurs when investors make a certain investment choice or have a specific idea, and then look for information that supports this decision and ignore information that opposes this decision or idea. 

This creates a one-sided view of the situation, resulting in bad buying and selling decisions. 

4. Anchoring

This is when people make decisions based on a past reference or a small piece of information. Anchoring biases can cause investors to buy or sell shares because they have gone up or down in comparison to their previous share price – instead of basing their decision on thorough analysis. 

Although the biases mentioned are just a few of many, being aware of them is the first step in limiting the effect on your investment decisions.

Nevertheless, the fact of being aware of these biases is not a guarantee that you will be able to prevent them when making decisions.

Steps to take to avoid the bias trap

But there are some steps you can take to minimise the effect of these biases on your investment decisions. These include the following:

  • Understand your biases: Know the biases and how they affect your decision-making.
  • Know why you are investing: What is your investment goal?
  • Have some quantitative investment criteria: This will prevent you from investing based on what is happening in the market, emotion, psychological biases and rumours.
  • Diversify your holdings: Don’t put all your eggs in one basket, just because you have a high conviction.

Investors are influenced differently by these cognitive and emotional biases. So, as an investor it is important for you to have a certain level of self-knowledge.  

Identify your weaknesses and use the steps above to improve your overall ability to make better investment decisions, which will hopefully result in higher returns.

  • Werner Erasmus is the Gauteng regional manager of Overberg Asset Management.

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SunnyMay 22, 2018
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1min20


न्यूज डेस्क, अमर उजाला, लखनऊ
Updated Tue, 22 May 2018 01:48 AM IST

प्रधानमंत्री नरेंद्र मोदी

ख़बर सुनें

इन्वेस्टर्स समिट में निवेशकों के 50 करोड़ से ऊपर वाले एमओयू से जुड़े प्रोजेक्ट का शिलान्यास प्रधानमंत्री नरेंद्र मोदी के हाथों प्रदेश स्तरीय कार्यक्रम में कराने की योजना है। 50 करोड़ या इससे कम निवेश वाले प्रोजेक्ट का शिलान्यास जिला स्तर पर कराने का प्रस्ताव है।

शासन स्तर पर अवस्थापना एवं औद्योगिक विकास आयुक्त (आईआईडीसी) अनूप चंद पांडेय की अध्यक्षता में एमओयू करने वाले निवेशकों के साथ यूनिट के शिलान्यास को लेकर लगातार चर्चा चल रही है।

सोमवार को अडानी ग्रुप की अलग-अलग कंपनियों के सीईओ के साथ प्रस्तावित प्रोजेक्ट की प्रगति पर चर्चा हुई। कंपनी 35 हजार करोड़ रुपये के निवेश प्रोजेक्ट प्रदेश के विभिन्न क्षेत्रों में स्थापित करने की तैयारी कर रही है। अडानी ग्रुप एग्रो कांप्लेक्स, अनाज भंडारण के लिए साइलो, लाजिस्टिक पार्क, सौर ऊर्जा प्रोजेक्ट के अलावा बिजली के पारेषण प्रोजेक्ट में निवेश करना चाहता है।

पांडेय ने बताया इस कंपनी के कई प्रोजेक्ट पहले शिलान्यास समारोह में शामिल होंगे। इसी तरह बिड़ला ग्रुप अल्ट्राटेक सीमेंट प्रोजेक्ट मिर्जापुर में शुरू करने जा रहा है। यह ग्रुप 6000 करोड़ रुपये का निवेश करने जा रहा है। इस प्रोजेक्ट का शिलान्यास पहले समारोह में ही हो सकता है। इसके अलावा टीसीएस व इंफोसिस अपने नए प्रोजेक्ट नोएडा में शुरू करने को तैयार हैं।

उन्होंने बताया कि 23 मई को एमओयू करने वाले निवेशकों के साथ बैठक तय है। इसमें निवेशकों के प्रोजेक्ट की स्थापना से जुड़ी तैयारियों पर चर्चा होगी। आईआईडीसी ने बताया है कि एमएसएमई सेक्टर के करीब 500 प्रस्ताव हैं, जिनका परीक्षण जिला स्तर पर हो रहा है। उन्होंने बताया कि 50 करोड़ रुपये से कम वाले इन्वेस्टमेंट प्रोजेक्ट का शिलान्यास जिला स्तर पर कराने की योजना है।

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SunnyMay 21, 2018
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2min00


सांकेतिक तस्वीर।
आदिल शेट्टी, सीईओ, बैंकबाजार.कॉम

आपको अपने रिटायरमेंट के लिए कितनी बचत करनी चाहिए? यह जानना बहुत मुश्किल है। यदि आप आज एक नौजवान हैं तो आप यह कैसे जान पाएंगे कि जब आप 60 साल के हो जाएंगे तब किराने के सामानों और दवाओं की कीमत कितनी होगी? लेकिन हम जानते हैं कि अपनी जिंदगी में जल्द-से-जल्द बचत और निवेश शुरू कर देना ही सबसे अच्छा विकल्प है।

दो सुझाव

30 की उम्र में निवेश करने के बारे में एक लेख में अमेरिकी कंपनी फिडेलिटी इन्वेस्टमेंट्स ने दो सुझाव दिए थे। पहला- 30 साल की उम्र तक, आपके पास 30 वर्ष की उम्र तक अपनी वार्षिक आमदनी जितनी बचत की रकम होनी चाहिए। दूसरा- 35 वर्ष की उम्र तक, आपके पास 35 वर्ष की उम्र तक की अपनी वार्षिक आमदनी की दोगुनी बचत होनी चाहिए। उदाहरण के लिए यदि 35 साल की उम्र में आपकी वार्षिक आमदनी 10 लाख रु. है तो इस समय आपकी बचत की रकम 20 लाख रु. होनी चाहिए।

अपने 30 साल की उम्र में इतनी बचत कर लेने से आपको अपने लिए मजबूत आर्थिक आधार तैयार करने का मौका मिल जाता है जो चक्रवृद्धि की मदद से तेजी से बढ़ पाएगा जिससे आपके रिटायरमेंट के समय तक एक अच्छी खासी रकम तैयार हो जाएगी। आप पूछेंगे, ऐसा कैसे हो सकता है?


ट्वीट से हलचल


हाल ही में एक ट्वीट में कहा गया, यह विचार कि 35 साल की उम्र में या 35 वर्ष की उम्र तक आपके पास आपकी आमदनी की दोगुनी बचत होनी चाहिए। इसके बाद लोगों में खलबली मच गई। अधिकांश लोगों ने तो इस आइडिए का मजाक तक उड़ा दिया। उनका कहना था कि ऐसा हो ही नहीं सकता, खास तौर पर तब जब अमेरिका में कॉलेज की पढ़ाई का खर्च इतना अधिक हो जो लोगों को 50 साल की उम्र में भी कर्ज के जाल में फंसाकर रखता है। एक ट्विटर हैंडल ने तो मजाक में यहां तक कह दिया कि ’35 की उम्र तक आपके पास आपकी वेतन का दोगुना कर्ज होना चाहिए।’ लेकिन, भारत में ऐसा नहीं है। क्योंकि यहां ऊंची शिक्षा अमेरिका के मुकाबले सस्ती तो है ही, अपने बच्चों के कॉलेज की पढ़ाई का खर्च उठाने के साथ-साथ उनकी 20 और 30 साल की उम्र में उनकी आर्थिक मदद करना भी भारतीयों की संस्कृति रही है।

क्या यह संभव है?

इस सवाल का एक छोटा सा जवाब है- हां। 35 साल की उम्र में या 35 साल की उम्र तक अपनी आमदनी से दोगुना बचत करना संभव है। यदि आप सचमुच अपनी बचत करने का सही तरीका जानते हैं तो आप दोगुना से भी ज्यादा बचत कर सकते हैं। जैसा कि मैं पहले भी कह चुका हूँ कि सबसे जरूरी अपनी जिंदगी में जल्द-से-जल्द और अनुशासित तरीके से निवेश करना शुरू करना है। इस लक्ष्य को पूरा करने के लिए आपको अपनी वार्षिक आमदनी का कम-से -कम 15% बचाने और निवेश करने की जरूरत है। आप इस लक्ष्य को फिक्स्ड डिपॉजिट या PPF जैसे कम रिटर्न देनेवाले साधनों में निवेश करके पूरा नहीं कर पाएंगे। इसके लिए आपका सबसे अच्छा साधन है- एक टॉप रेटेड इक्विटी म्यूच्यूअल फंड जो आपको 10% या उससे अधिक लॉन्ग टर्म CAGR दे सकता हो। चूंकि रिटायरमेंट एक दीर्घकालिक लक्ष्य है इसलिए आपको निस्संदेह कम-से-कम कुछ हद तक तो इक्विटी में निवेश करना ही चाहिए।

सामान्य समझ

चलिए मान लेते हैं कि आप 21 साल के हैं और आपने अभी-अभी अपना करियर शुरू किया है। हम मान लेते हैं कि आप हर महीने 15,000 रु. कमाते हैं। बस हर महीने 15%, यानी 2250 रु. बचाना शुरू करें जो साल में 27,000 रु. हो जाएगा। इस पैसे को SIP के जरिए किसी इक्विटी म्यूच्यूअल फंड में निवेश करें। यह रकम आपका चुनिंदा म्यूच्यूअल फंड खरीदने के लिए आपके बैंक अकाउंट से अपने आप कट जाएगी। हम मान लेते हैं कि आगे चलकर आपकी आमदनी हर साल 10% के हिसाब से बढ़ेगी। 35 साल का होने तक, यानी 14 साल बाद आपकी आमदनी बढ़कर 6.21 लाख रु. हो जाएगी। 15% के हिसाब से आपकी वार्षिक बचत भी बढ़कर 93,211 रु. हो जाएगी। इस साधारण SIP की मदद से आपके 35 का होने से पहले आपकी बचत की रकम 13.04 लाख रु. हो जाएगी जो उस समय आपकी आमदनी की दोगुनी से ठीक थोड़ी ज्यादा होगी।

कौन सा म्यूच्यूअल फंड चुनें?

इक्विटी म्यूच्यूअल फंड से मिलनेवाले लॉन्ग टर्म रिटर्न की दृष्टि से इस बाजार ने पिछले 10 साल में कुल मिलाकर 11% से अधिक CAGR दिया है जिसने PPF जैसी छोटी-मोटी बचत योजनाओं से ज्यादा रिटर्न दिया है। लेकिन, कुछ स्टार-रेटेड फंड भी हैं जिन्होंने बड़े आराम से 11% से ज्यादा रिटर्न दिया है जिन्होंने 15% तक का CAGR भी दिया है। यदि आप सेक्शन 80C के अंतर्गत टैक्स बचाने के साथ-साथ एक बड़ी रकम भी तैयार करना चाहते हैं तो एक ELSS म्यूच्यूअल फंड खरीदें।

*BankBazaar.com भारत में स्थित एक प्रमुख ऑनलाइन मार्केटप्लेस है जो क्रेडिट कार्ड, पर्सनल लोन, होम लोन, कार लोन, और इंश्योरेंस की तुलना और आवेदन करने में उपभोक्ताओं की मदद करता है।

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