Curie Money’s Post

⭕post on money market securities with the key securities of money market & Explaining treasury bills in detail with their ongoing interest rates ✳️Money market and it's securities✳️ ♦️Money market is a part of debt market which helps government and corporates raising funds where investor or saver park their funds & invest their fund in money market for a short term gain (basically less than 1 year) It facilitates smooth function of economy by providing participants to meet their immediate cash needs and manage liquidity ♦️if we see there are many advantages of investing in money market such as,- 📍Having liquidity of funds 📍Provide secure investment 📍investing in money market helps in diversification of funds by lowering risk 📍 Provide short term investment for savers and borrowing for government and corporates ♦️Here are some list of money market instruments - ◾Inter bank lending,in which -call money (for day to day transaction) - intraday money (morning to evening) -Notice money (2 to 14 days) -weekend money(Friday to Monday) -Term money (one week to 365 days) ◾ Treasury Bill's - -91 days bills -182 days bills -364 days bills ◾ commercial papers ◾ certificate of deposit ◾Repo Agreement 👉In money market agreement interest rates called as a coupons ♦️lets understand what is treasury bills - Treasury bills is a Money market instruments.provide investment opportunity for shorter term investor with fixed rate of interest I.e coupons. - Treasury bills issued by RBI( reserve Bank of India) for raising funds from savers or investor -RBI raise funds from public for their government actions .it provides safe opportunity of investment to the investor for shorter time -Treasury bills is the best source of short term investment -coupons rates of treasury bills changes time to time - Type of treasury bills with their current interest rates I)91 days bills ➡️6.71 2)82 days bills➡️6.82 3) 364 days bills➡️6.84 .

~ 𝐒𝐜𝐫𝐨𝐥𝐥𝐞𝐫 𝐨𝐟 𝐭𝐡𝐞 𝐃𝐚𝐲 ( 𝐌𝐮𝐭𝐮𝐚𝐥 𝐅𝐮𝐧𝐝 𝐒𝐞𝐫𝐢𝐞𝐬, 𝐃𝐚𝐲 𝟔) : Special Funds ( Based on Investment Objective Funds) : * 𝐄𝐋𝐒𝐒 : ELSS or Equity Linked Saving Schemes, As the name suggests, it invests in the stock market or equity with the aim of capital appreciation in the long term. It is the only type of mutual fund scheme eligible for tax deduction under Section 80C up to Rs 1.5 lakh. It is suitable for investors looking to invest in mutual funds but also wants to avail of tax benefits. Note : It has a lock in period of 3 Years. * 𝐅𝐮𝐧𝐝 𝐨𝐟 𝐅𝐮𝐧𝐝𝐬 (𝐅𝐎𝐅) : Fund of funds (FOF) is another type of mutual fund that invests in other mutual fund schemes instead of directly investing in equity, debts, or other securities. * 𝐆𝐨𝐥𝐝 𝐅𝐮𝐧𝐝𝐬 : The gold funds invest in the gold ETF (Exchange Traded Funds). These funds aim to replicate the performance of gold prices in India, providing investors with an opportunity to invest in gold without physically owning the precious metal. Historically, gold has acted as a hedge investment against inflation; hence, adding gold funds to your portfolio will protect you from inflation effects. * 𝐈𝐧𝐜𝐨𝐦𝐞 𝐅𝐮𝐧𝐝𝐬 : Income funds are typically debt mutual funds that primarily invest in debt securities such as corporate bonds, government bonds, and money market instruments. (Low Risk) * 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐅𝐮𝐧𝐝 : These funds come with a lock-in period of at least five years or until retirement, whichever is earlier. These funds can be managed as equity, debt, or hybrid funds. So, the funds in this category often have multiple ‘plans’. * 𝐌𝐨𝐧𝐞𝐲 𝐌𝐚𝐫𝐤𝐞𝐭 𝐅𝐮𝐧𝐝𝐬 : Money market funds are debt funds that primarily invest in money market instruments for the short term, typically less than one year. ( Low Risk) Other Special Funds also include : Liquid Funds, Capital Protection Funds, Fixed-Maturity Funds, and Growth Funds. Source : The Institute of Chartered Accountants of India ET Money Yahoo Finance

Understanding Fixed Deposits: A Low-Risk Investment Option In today's inflationary climate, saving money is challenging, but fixed deposits offer stability. These deposits, offered by banks, guarantee returns over a set period, shielding from market fluctuations. Fixed deposit interest rates vary based on duration and institution, with small finance banks offering up to 9.25%. Utilize Investkraft's FD calculator for informed decisions. Alternatives like POTD, SCSS, RBI Savings Bonds, and NSC offer similar returns. Plan wisely for a secure financial future. #investkraft #fixeddeposit #fdinterestrate #fdinterestrateinindia #india #financialservices #financialcalculator https://bit.ly/3vSKsXM

How to compute period of holding to decide Long term Capital gains for Various assets. 1. Listed share and units if s.t.t. paid 12 months. 2. units of mutual fund having equal to or more than 35% invested in domestic Companies shares 12 months. 3. Units of Mutual fund having less than 35% in domestic companies shares and debt fund, Purchase before 01/04/2023 36 months 4. units of Mutual Fund having less than 35% in domestic companies shares and debt funds, purchased from 01/04/2023 irrespective of holding period short term. 6. debentures of any company irrespective of period of holding always short term. 5. bullions like gold and silver 36 months. 6. immovable property 24 months. 7. unlisted shares 24 months. 8. ulip if equity on maturity all.long term if premium above 2.50 Lakh Identifying few Mutual fund whether debt or equity ,listed on stock exchange. 1. Liquid bees - debt fund 2. zerodha bees-liquid -debt fund 3. nifty 50 bees -equity fund 4. banknifty bees-equityfund. SGBs SGBs are government securities issued by the Reserve Bank of India, and are denominated in grams of gold. Capital gains arising on redemption of the bonds on maturity would be considered as an exempt transfer under section 47(viic) of the Income Tax Act, 1961 and hence, not liable to tax. Surcharge on Cap. gain Surcharge rates of 25% or 37%, will not be applicable to the income which is taxable under sections 111A ( Short Term Capital Gain on Shares ), 112A ( Long Term Capital Gain on Shares ), and 115AD ( Tax on income of Foreign Institutional Investors ). Therefore, the highest surcharge rate on the tax payable for such incomes will be 15%. the complexity to decide is huge and needs to kept in mind. Kindly verify at your end before using this and amendments if any subsequent or ommission. #periodofholding #capitalgain #complexcapitalgain

#financialempowerment Isn't it interesting to read this ? Funds flow into open-ended equity funds, jumped 23% to Rs 26,865.78 crore in February, according to the data released by the Association of Mutual Funds of India (AMFI), the industry trade body for mutual funds, on March 8. (Source article attached). Gone are the days when people used to draw their entire salary in cash and spend, retain balance as cash. Gone are the days when only Bank FD was considered as an investment. From risk averse era, people have transformed to taking calculated risks by investing in stocks and mutual funds. Banks also educate customers to open 3 in 1 accounts Savings, Demat and online trading accounts) and enable their investments in #stockmarket . Mobile apps have made it user friendly for buying and selling shares and new platforms like #zerodha and #upstocks are getting familiarity and popularity among people, particularly beginners. Good to see parents teaching children about #financialmanagement Times are changing and so are we. #makehaywhilethesunshines #timetothink #timetochange #financialgoals #financialliteracyforkids #financialliteracymatters

 In current times, having a basic understanding of finance is no longer optional—it’s essential.    Whether you're managing your salary, investing in mutual funds, or investing and trading in financial markets, planning for future goals or retirement, or seeking financial independence, financial literacy is key to making informed decisions. Yet, many people in India dive into stock trading, futures and options without fully grasping what they’re getting into, often leading to unnecessary stress or financial loss. Before exploring complex markets like trading in stocks or derivatives, it's important to first understand basic concepts such as financial jargons, strategies, analysis, capital deployment, hedging, and risk management. You wouldn’t drive a car without learning the rules of the road, right?  The same goes for money. Jumping into trading without foundational knowledge can be risky. Futures and options, while promising, are not shortcuts to quick wealth; they require strategy, understanding and careful planning, besides capital. So, take time to build your financial knowledge. Learn at your own pace, ask questions, and always stay informed. After all, financial literacy isn’t just for experts—it’s for everyone. Website: https://aineura.in/

Where is the money investing going? The exchange rate remains one of the factors putting pressure on the stock market. Photo: LE VU The low interest rate environment always brings many opportunities for financial assets. Low interest rates make the opportunity cost of holding low-risk assets higher, and investment funds will seek attractive investment channels with higher returns. In the last quarter of last year, we read headlines about continuous strong deposit flows into the banking sector. However, we need to understand that the increase in deposits in the past period mainly came from new disbursed loans of commercial banks rather than idle money flowing into the banking system. According to statistics, a considerable amount of long and medium-term deposits from the public in the banking system have shifted to other investment channels. The chart shows a significant decrease in long and medium-term deposits in the entire banking system in Q4-2023 (a decrease of 18.64% compared to Q3). In particular, long-term deposits have declined sharply and an estimated 200,000 trillion VND of long-term deposits may have flowed into other investment channels. The increase in total deposits is mainly due to the increase in deposits with a term of less than one month, estimated at nearly one million trillion VND in Q4. Stock investment channels are attracting investors The stock market had a relatively good growth year in 2023, along with significantly improved liquidity in the final period compared to the beginning of the year. The deposit balance of investors at securities companies has continuously increased in four quarters of 2023. In Q4-2023, the deposit of investors at securities companies reached 83,340 trillion VND (an increase of over 8% compared to the previous quarter), in which the deposit of investors in securities trading (managed by securities companies) accounted for the majority, reaching 65,206 trillion VND. Therefore, the prospects of the stock market in the recent time will depend heavily on the trend of domestic individual investors. In the first two months of 2024, VN-Index surged due to personal investors’ cash flow, with liquidity from this group accounting for over 92%. Market liquidity is much better than the average level of 2023 and is still mainly concentrated in large market capitalization groups and industries with cyclical and sensitive characteristics to economic recovery, such as banking, real estate, and finance. According to the cyclical theory, in the economic recovery period, cyclical industries may experience a strong surge compared to other industry groups. The main question is whether Vietnam’s economic activities can sustainably recover before domestic demand, which is of great concern to investors. However, the cash flow is still a supportive factor for stock investors in this period as the loose monetary policy of banks is being maintained strongly. Other financial assets are still hot The gold...

❓How to earn 𝗙𝗜𝗫𝗘𝗗 12 - 15% returns 𝗣𝗘𝗔𝗖𝗙𝗨𝗟𝗟𝗬 😇 Recently, I had the pleasure of speaking at Franklin Templeton India's Distributor Meet, where we had over 60 seasoned participants gathered to discuss one crucial topic — "𝗙𝗶𝘅𝗲𝗱 𝗜𝗻𝗰𝗼𝗺𝗲 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴" It's time to shake off the the myth that bonds and debt mutual funds are dull or low-yielding investments! If you're serious about making the most out of fixed income investments, Here are the key points you should know 👇🏻 🔹 𝑻𝒉𝒆 𝑷𝒐𝒘𝒆𝒓 𝒐𝒇 𝒕𝒉𝒆 𝑰𝒏𝒕𝒆𝒓𝒆𝒔𝒕 𝑹𝒂𝒕𝒆 𝑪𝒚𝒄𝒍𝒆 📉 Interest rates are a game changer for fixed income. When rates fall, bond prices surge. This means capital gains for investors who time the cycle right Even a small 0.5% drop can boost bond prices by 5%! This is key to transforming that expected 7-8% return into a 15-17% growth opportunity 🔹 𝑳𝒐𝒏𝒈𝒆𝒓 𝑴𝒂𝒕𝒖𝒓𝒊𝒕𝒚 𝑩𝒐𝒏𝒅𝒔 = 𝑮𝒓𝒆𝒂𝒕𝒆𝒓 𝑼𝒑𝒔𝒊𝒅𝒆 ⏳ Bonds with longer maturities (10-15 years) are highly sensitive to interest rate changes. When rates are cut, these longer bonds will outperform, offering significant capital appreciation potential 🔹 𝑮𝒍𝒐𝒃𝒂𝒍 𝑻𝒓𝒆𝒏𝒅𝒔 𝑷𝒍𝒂𝒚 𝒂 𝑹𝒐𝒍𝒆 🌍 With global inflation cooling and central banks beginning to ease interest rates, we’re on the cusp of a similar trend in India Repo rate cuts are expected, and when that happens, long-duration debt funds will see major price gains. This creates an excellent opportunity over the next 12-18 months 🔹 𝑫𝒊𝒗𝒆𝒓𝒔𝒊𝒇𝒚 𝒇𝒐𝒓 𝒕𝒉𝒆 𝑾𝒊𝒏 🎯 By creating multiple buckets with bonds across different maturities (5, 10, 15 years), investors can hedge risk and optimize returns during this evolving interest rate scenario Diversification is the key to smoother returns 🔹 𝑻𝒂𝒙 𝑩𝒆𝒏𝒆𝒇𝒊𝒕𝒔 𝒀𝒐𝒖 𝑺𝒉𝒐𝒖𝒍𝒅𝒏’𝒕 𝑶𝒗𝒆𝒓𝒍𝒐𝒐𝒌 💸 Listed bonds offer a lower 10% long-term capital gains tax, which makes them a standout choice over debt mutual funds for tax-conscious clients This is a pivotal time for fixed income investments Educating & making our clients aware on how they can use these strategies to earn equity-like returns with lower risk can help them navigate the interest rate cycle effectively What kind of Fixed Instruments you like to invest in ? Share your thoughts in the comments section 👇🏻 Follow Dhananjay Banthia, PhD for more such insightful posts #franklintempleton #fixedincome #debtfunds #distributormeet #financialeducation

I get a lot of "where can I invest my money?" questions from people. And One of the best investments I would usually recommend especially for first time investors are Fixed Income investments. This is because the returns/interests on these investments are fixed and doesn't fluctuate or dip because of "market forces" And knowing Nigerians, we never like to hear stories about our money 😂, fixed income investment offer a relatively low risk and guarantees the fixed return of the investor; absolutely no stories!!! Examples of Fixed Income investments you can try out: 1) Treasury Bills: These are government backed securities, where you are basically lending to the government for a fixed rate of return. Its short term wit tenure lasting for 91 days to 364 days. Currently, T-bills rate are up to 17-19% 2) FGN Savings Bonds: Another Government backed investment. However the tenure is a bit longer than TBills, it's 2-3 years. However, you get paid interest every 3 months. 3) Commercial Papers: They are debt instruments/investment floated by top corporates. You "lend" them money for a fixed rate of return. It's also a Short term investment like T-bills. 4) Government/Corporate Bonds: These investment are Debt instruments from the government and Top companies that includes a commitment to pay periodic interest called coupon payment and finally repaying the face value on maturity date. Government/Corporate are however Long term investment that can last up to 10-30 years. You can access any of these investments through your Traditional Banks and Asset Management Firms. As David Shonibare (ACA, ACTI) commented on the post yesterday, It's better to have your spare funds invested than leave then idle in these inflationary times we live in. I hope this helps, you deserve to be wealthy!

💰 Considering the current economic landscape, now might just be the opportune moment to explore fixed deposits as a cornerstone of your investment strategy. Here's why: 1. Stability in Uncertain Times: With market volatility on the rise, fixed deposits offer a stable haven for your hard-earned savings. Their predictable returns and capital preservation make them an attractive option, especially during times of economic uncertainty. 2. Favorable Interest Rates: In response to economic conditions, many financial institutions are offering competitive interest rates on fixed deposits. Locking in these rates now could potentially secure higher returns compared to future offerings. 3. Diversification Benefits: While equity investments have their allure, a well-diversified portfolio includes a mix of asset classes. Fixed deposits provide stability and act as a counterbalance to the inherent risks of equities, enhancing the overall resilience of your investment portfolio. 4. Liquidity and Flexibility: Contrary to popular belief, fixed deposits can offer liquidity through premature withdrawal options or loan facilities against the deposit. This flexibility ensures that you can access funds when needed without compromising on the security of your investment. In conclusion, the current landscape presents a compelling case for considering fixed deposits as part of your investment portfolio. However, it's crucial to conduct thorough research, assess your financial goals, and consult with a financial advisor to determine the most suitable investment strategy for your needs. Seize the opportunity and make informed decisions to secure your financial future! 💼💡 #Investing #FixedDeposits #FinancialPlanning #WealthManagement #OpportunityKnocks #LIpostchallenge #shaktipratapparihar #investwithconfidence #theharmonicindia