Asset Classes For First Time Investor

Cash and Cash Equivalents Asset classes for first time investors
It is the most liquid form of asset class that you can invest in. It includes physical cash, money in your saving accounts, short term T-Bills etc. You can easily convert these instruments for your needs but these instruments give a minimum or no possible ROI.

Fixed Income As the name suggests these asset classes gives a fixed income after a certain interval of cibil scoretime. These asset classes usually offer a rate of investment that will not be able to beat inflation in short to longer term. Fixed income instruments would include Bank fixed deposits, Recurring deposits, PPF, Post office saving schemes, Endowment plans etc. If you wants to earn a moderate ROI but at the same time don’t want to risk your money, then you must invest your money in these instruments.

Equity Equity is one asset class that is having highest risk with possibility of highest ROI. Equity refers to stocks and shares that you buy as a part of ownership in a company. This instrument is best suited for an individual with credit score rangehigh risk taking ability. Equities would include investment options like direct equities/stocks, Equity mutual funds, equity linked saving scheme, Exchange traded fund etc.

Real Estate Real estate investment is one of the most illiquid investments present in Indian market. You need to invest a large amount of money at the beginning to purchase a property. This form of investment is quit cyclical in nature and the rate of investment cannot be predicted with certainty. All major Indian cities are facing a slump in real estate market and ROI has been in single digits in all major cities in past few years.

Commodities � Commodities refer to the physical goods that can be bought and sold in the market. Gold and silver commodities are one of the most popular commodities in India. Indians have been investing in gold and silver since ages.ROI

Peer to peer lending � It is one of the most recent addition to investment asset classes available to investors. It is bases on social lending concept in which a group of lenders crowd fund a borrower. An investor in peer to peer lending can earn a ROI between pretax returns of 18% to 25% per year, which translates to 12% to 17% post tax returns per year.

Benefits Of Trading The Commodity Market

Commodity market seems to be a lucrative avenue to a lot of traders and Investors. In the Commodity market various commodities are traded and one can take benefit of the price fluctuations to trade effectively in the commodity market. Various commodities are listed on the Commodity exchange and the relative prices of various commodities are traded on the exchange. There are various benefits of the Commodity trading like a trader can make huge profits by trying to forecast the Commodity signals. The most important part of the Commodity trading is to anticipate the Commodity trading signals.
Scalping: Intraday Trading Strategy For Commodity Market
One of the important benefits of the Commodity market is that the trader can form a strategy and trade on the basis of it. The Intraday strategies like First hour strategy or scalping techniques can be followed to earn good profits from the trades. Scalping is a technique to look at the price range during the first hour of trade and then look for a breakout from this range. Thus, if the prices break from the high it’s a buy call and a rise in the prices is anticipated. On the other hand, if a breakout from the lower limit of range is observed a down trend is anticipated. Thus, scalping is an important strategy in achieving good profits from the Commodity markets.
Also, there are other strategies available like trading for small profits. In this case small changes in the Commodity signals are generally traded for the profits. Also, a large number of trades are executed to add up to large profits, this will be applicable in Stock cash tips as well. The Commodity trading signals are unassuming but still with a proper plan and a proper strategy good profits can be made through Commodity markets. The trader can also base their trade based on the advice from the advisory firms who provide free Commodity signals initially and then charge a nominal amount for their services. Thus, the Commodity trading is beneficial if done with proper planning and strategy.
Trading based on the Charts
Trading in the stock or commodity market is an art difficult to master. People use various methods and strategies to trade in the stock markets. Trading based on the charts is one of the ways out of them. Various types of charts exist like Candle Stick charts and line charts. These charts can be plotted with varying time scale. The price movement depicted by chart can be an important way of forecasting future prices.
Thus, one can trade on the basis of charts and by applying suitable indicators of the technical analysis, one can anticipate the price movement. Trading on the basis of intraday Stock Cash Tips is the other way of trading.

technology and quality upgradation support

It aims to improve the production quality of MSMEs to encourage them to adopt global manufacturing standards.
The main aim of this scheme is to sensitize the manufacturing MSME sector to make use of energy sufficient technologies
And also the manufacturing processes to reduce manufacturing cost and emissions of harmful gasses that can hamper the environment
The Indian government provides financial support to the extent of 75% of the actual expenditure to assist manufacturing sector purchase energy efficient technologies for production.

MINI TOOLS ROOM AND TRAINING CENTRE SCHEME

The mission of this scheme is to develop more tool room facilities to provide technological support to the MSMEs
The training in tool manufacturing and tool design to create a skilled workforce of workers, supervisors, engineers/designers.
90% of the cost of machinery/equipment in case a new Mini tool room is to be created.
In case an existing room to be upgraded � 75% of the cost is funded.

MUDRA LOAN (Micro Units Development and Refinance Agency Ltd.)

The vision of Funding the Unfunded.
It is established by Government of India for development and refinancing activities relating to micro units.
It provides low cost funding for MFI (Micro Finance Institutes)
It also supporting to the institutions , societies, trusts section 8 companies, co-operative societies, small Banks, Scheduled commercial Banks and Rural Banks which are in the business of lending to micro or small business etc.

motivation and strength Trader

At first I was bombarded with all these blatant cries for attention, begging me to click on their website, to buy this product or buy that product. Even if I wanted to buy their product I had little money to do so. I needed something which would require as little overheads as possible.

After a few days or searching, I’d stumbled across something that caught my eye, and it looked promising. I’d come across online trading, or more specifically, binary options. This fit all my criteria, in that it required as little overheads as possible. I didn’t need to purchase any inventory, or set up a website. I could just invest my money there and then and make my returns at the end of the day.

I looked everywhere I could to research the topic and eventually I found out that there are signal services where you can be alerted via SMS or email and they tell you when to enter a trade and when to exit. That saved me having to spend weeks and potentially even months learning what everything is. The financial markets is a really in-depth topic and should not be undertaken with a goal of becoming rich over night. It doesn’t work like that. In fact you come across people claiming that they can make you rich over night, then I’m sorry to say that it’s most definitely a scam. If it was as easy as that, then everyone w9ould be doing it.

Now I came across having to choose which signal service to pair with, and since there are endless amounts of I know I needed the best information about each signal services. I eventually found a website called Elite Binary Options, and they have pretty much done the hard work for me. They have spent a lot of time sifting through junk and picked the best services which they think have the most potential to help people make as much money as possible.

Whats more, is that they even picked out the best brokers out there. They mention that a lot of brokers out there are very reluctant to let you withdraw your funds. This is where all the stories about scams come to light, because of dodgy brokers. They recommend that IQ Option is one of the best brokers out there, because it’s very user-friendly and you can trade on your mobile so you could be on your way to work or coffee and still be able to make money.

How To Protect Your Identity And Assets

Understand How Tax Fraud Happens

Dishonest individuals may steal taxpayers’ personal and financial information from sources outside the IRS, such as social media accounts where people tend to share too many details or bogus phishing emails that appear to come from the IRS or a bank. Once they obtain an unsuspecting taxpayer’s data, thieves may use it to file fraudulent federal and state income tax returns, claiming significant refunds.

Paperless e-filing facilitates these scams: Thieves submit returns electronically, based on falsified earnings, and receive refunds via mail or direct deposit. Sure, the IRS maintains records of wages and other types of taxable income reported by employers, but they don’t usually match these records to the information submitted electronically before issuing refund checks. By the time the IRS notifies a victim that it’s received another tax return in his or her name, the thief is long gone and has already cashed the refund check.

In addition to refund fraud, thieves may use stolen personal information to access existing bank accounts and withdraw funds �” or open new ones without the taxpayer’s knowledge. Criminals are becoming increasingly sophisticated and their ploys more complex, making identity theft harder to detect.

Recognize the Warning Signs

Taxpayers are the first line of defense against these scams. The IRS lists the following warning signs of tax-related identity theft:

Your electronic tax return is rejected. When the IRS rejects your tax return, it could mean that someone else has filed a fraudulent return using your Social Security number. Before jumping to conclusions, first check that the information entered on the tax return is correct. Were any numbers transposed? Did your college-age dependent claim a personal exemption on his or her tax return?

You’re asked to verify information on your tax return. The IRS holds suspicious tax returns and then sends letters to those taxpayers, asking them to verify certain information. This is especially likely to happen if you claim the Earned Income tax credit or the Additional Child tax credit, both of which have been targeted in refund frauds in previous tax years. If you didn’t file the tax return in question, it could mean that someone else has filed a fraudulent return using your Social Security number.

You receive tax forms from an unknown employer. Watch out if you receive income information, such as a W-2 or 1099 form, from a company that you didn’t do work for in 2016. Someone else may be using the phony forms to claim a fraudulent refund.

You receive a tax refund or transcript that you didn’t ask for. Identity thieves may test the validity of stolen personal information by sending paper refunds to your address, direct depositing refunds to your bank or requesting a transcript from the IRS. If these tests work, they may file a fraudulent return with your stolen data in the future.

You receive a mysterious prepaid debit card. Identity thieves sometimes use your name and address to create an account for a reloadable prepaid debit card that they later use to collect a fraudulent electronic refund.