February 10, 2017


               MoneyMindz.com India’s First Free Online / On-call Financial Advisory

No one likes to lose money because the burn is greater than it is with others. If you’re considering an investment in the stock market and the thought of a loss capsize you, you probably shouldn’t invest. However, when you invest there are several things you should know to increase your chances of winning. Although there are many details it will help you understand the basics of how the stock market works and why stocks react. Let’s administer with the mystery and take a look behind the cloak.

About Stock Market

The stock market is a complicated system where shares of publicly-traded companies are issued, bought and sold. For some people it is cloudy and dark where people gamble. Actually, it is not gambling at all. Let’s say you put Rs. 100 on one roll of the dice. If you win, you win something. If you lose, you lose the entire Rs. 100. When you invest in stocks, you will win money or lose money. It’s rare to lose it all, unless of course you invest in a company that ruptures. You could say that the stock market is a group of people pitting their skills against each another.

The Stock Market is a Hostile System of Trading:

The stock market is a collection of millions of investors with diametrically opposing views. This is because when one investor sells a particular security, someone else must be willing to buy it. Since both investors cannot be correct, it is an adversarial system. In short, one investor will profit and the other will suffer loss. Therefore, it’s important to become well versed on the investment you are considering.

Stock Prices going up and down:

There are many factors that determine whether stock prices rise or fall. These include the media, the opinions of well-known investors, natural disasters, political and social ferment, risk, supply and demand, and the lack of or abundance of suitable alternatives. The compilation of these factors, plus all relevant information that has been disseminated, creates a certain type of sentiment (i.e. bullish and bearish) and a corresponding number of buyers and sellers. If there are more sellers than buyers, stock prices will tend to fall. Conversely, when there are more buyers than sellers, stock prices tend to rise.

Difficulty in predicting stock market:

Stock prices have been rising for several years. Investors realize that a correction will come and stock prices will tumble. What we don’t understand is what will trigger the selloff or exactly when it will occur. Therefore, some investors will sit be holding cash, waiting for the right time to get in. Those who are willing to assume the risk may jump in because the return on cash is so low and it hurts to earn zero while watching stocks move higher.

This begs a couple of key questions. If you’re on the reserve bench, how will you know when to get in? If you’re already in, how will you know when it’s time to get out? If the stock market was predictable, these questions could easily be answered. However, it is not. There are actually three issues an investor should consider. The first thing to understand is the point at which stock prices are fairly valued. The second issue is the event that will cause a downturn. The final issue is the human decision-making process.

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You must have done a lot of savings in a logical manner. Any savings that is managed in a professional manner is known as the equity mutual funds.

For example: gold fund is the best example of the equity mutual funds.

Many investors are present in India dealing with safer avenues like the company and bank related deposits. None of the investors in India are interested in investing in line of business like Commodities market, Real estate, Gold and Health Care related markets in India.

Some of the major goals of the equity funds are as follows:

Capital Gains:

Let me explain, how it works. Say your company has earning of INR 5 Crores in cash, a table making equipment and huge fleet of vehicles. You generate lot of cash and table making machine makes table with 20% profit margin, and vehicles do deliver the vehicles on time. It does consist of equipment, money and people.


The entry of money into your account is the income. Wages are the major components of income and play a vital role in investments.

Breathtaking Benefits One Can Have With Equity Funds:

No Commission:

 This is the best part. You, as an investor can avoid the commission and brokerage fees at one go. This makes the equity funds a fund to reckon with. It is fast becoming a runaway hit in India.


One can get various exposures to stocks, due to equity funds. It is like putting many eggs in different baskets. This helps in avoiding any chances of eggs breaking. Best part is that one never loses money on investments. It is one of the dynamic models to invest.

Regular Investments:

The equity mutual funds are vital in encouraging small investment on a regular basis. SIP (Systematic Investment Plan) do come into the picture at this time. It is good in encouraging new person to invest in equity mutual funds in a logical manner. This encourages long term creation of wealth.

Great Tax Benefits To Boast:

One of the finest aspect of equity mutual funds, is that amazing tax benefits gets added, especially under Section 80 C and D. For example: Mohan invested 4 lakhs under ELSS (Equity Linked Savings Scheme). He invested and later deducted up to INR 1, 50,000 from his salary (that is taxable) to reduce tax burden.

Capital Growth:

Amazing part of the equity mutual fund is investment increases to another level. One can do investment on a regular basis and if company growth, rewards will be great.

So, take that first step in making a practical investment decision in investing in Equity Mutual Funds.

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To be honest with you, spending the money is a very easy task. However, saving the money is a very tough task. You are working hard in a company to deliver the given target for the company. Furthermore, you are getting salary at the end of the month for all your hard work.Now, the major thing is you must also learn to save your money in a logical fashion. We have got some exciting tips to undertake some cool savings in a systematic and satisfactory manner. They are given below as follows:

Select A Good Bank:

You must be judicious in selecting a good bank and open a bank account. Check for the facilities and benefits. Imagine Bank of Baroda, is offering savings bank account with 5% rate of interest, you will definitely go for it.

Take Insurance And Pay Annually:

 One of the best aspects of the finest savings is that select a good insurance plan and make premium payment in an annual manner. This prevents that extra pressure on your salary and helps you to enjoy benefits.

Do Not Spend Money, When You Are Emotional:  

Various problems can take place, and at this juncture, you must be careful in spending money in a logical manner. During emotions, being upset, you can spend without any control. This can be disastrous at times.

Check Bank Statements:

Please make sure that you check your bank statements in a regular manner. Understanding how much you have spent, help in managing the finances in a logical manner.

Follow 30 day Rule:  

You received your salary and wanted to purchase groceries for month. Purchase groceries for the month and then make sure you do not purchase any product. This is a golden rule to save the money.

Spectacular Negotiation Skills:

Please make sure that you are negotiating rates well, while making purchase of any goods/services. Go to shops/supermarkets offering good discount on products. Check out the coolest offers and purchase products. Having a coupon booklet can do wonders at this juncture.

So, I would say that above mentioned skills plays a yeoman role in saving lot of money.

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