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Posted by Editorial Team on 22:52 in

What is a SIP? How does it work?

What is a Systematic Investment Plan?
 A Systematic Investment Plan or SIP is a smart and hassle free mode for investing money in mutual funds. SIP allows you to invest a certain pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). A SIP is a planned approach towards investments and helps you inculcate the habit of saving and building wealth for the future.

How does it work?

A SIP is a flexible and easy investment plan. Your money is auto-debited from your bank account and invested into a specific mutual fund scheme.You are allocated certain number of units based on the ongoing market rate (called NAV or net asset value) for the day. Every time you invest money, additional units of the scheme are purchased at the market rate and added to your account. Hence, units are bought at different rates and investors benefit from Rupee-Cost Averaging and the Power of Compounding.

Rupee-Cost Averaging With volatile markets, most investors remain skeptical about the best time to invest and try to 'time' their entry into the market. Rupee-cost averaging allows you to opt out of the guessing game. Since you are a regular investor, your money fetches more units when the price is low and lesser when the price is high. During volatile period, it may allow you to achieve a lower average cost per unit.

Power of Compounding Albert Einstein once said, "Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it." The rule for compounding is simple - the sooner you start investing, the more time your money has to grow. Example If you started investing Rs. 10000 a month on your 40th birthday, in 20 years time you would have put aside Rs. 24 lakhs. If that investment grew by an average of 7% a year, it would be worth Rs. 52.4 lakhs when you reach 60. However, if you started investing 10 years earlier, your Rs. 10000 each month would add up to Rs. 36 lakh over 30 years. Assuming the same average annual growth of 7%, you would have Rs. 1.22 Cr on your 60th birthday - more than double the amount you would have received if you had started ten years later!
Other Benefits of Systematic Investment Plans

Disciplined Saving - Discipline is the key to successful investments. When you invest through SIP, you commit yourself to save regularly. Every investment is a step towards attaining your financial objectives. ·
Flexibility - While it is advisable to continue SIP investments with a long-term perspective, there is no compulsion. Investors can discontinue the plan at any time. One can also increase/ decrease the amount being invested. ·

Long-Term Gains - Due to rupee-cost averaging and the power of compounding SIPs have the potential to deliver attractive returns over a long investment horizon. ·
Convenience - SIP is a hassle-free mode of investment. You can issue a standing instruction to your bank to facilitate auto-debits from your bank account. SIPs have proved to be an ideal mode of investment for retail investors who do not have the resources to pursue active investments.

Posted by Editorial Team on 02:39 in building wealth, easy investment plan.Your money, How does it work, Systematic Investment Plan, What is a SIP

LIST OF TOP 20 ONLINE ECOMMERCE SITES IN INDIA @##@#@##@#

With people becoming busy with their work and commitments, they are left out with only a little spare time. In addition, with wide availability and usage of smart devices, people find internet as the easiest medium to meet their requirements. This has given immense popularity to online shopping sites in India, numerous online shopping websites are flaunting best deals to lure buyers. WebsiteBuilder.comAccording to Wikipedia, India ranks at position number three for shopping online and using credit card for online transaction. Indian netizens are now third biggest users of credit cards for making online purchases globally and they are next only to the netizens of Turkey and Ireland. If you also want to make online purchases and want to know about the best sources, you have visited the right place. Here you will find information about top online shopping sites in India. The best list of online shopping sites along with brief reviews mentioned below:
FLIPKART

Flipkart.com is the most popular of all Indian online shopping companies, offering genuine products to people. They have huge stock of innumerable products like clothes, music, electronics, books, health products, kid’s toys and accessories, perfumes, games, movies, home appliances, shoes, stationeries and many more things.
The shopping website offers great advantage of faster product delivery and free shipping on ordered products for more than Rs.500. Customers also enjoy the privilege of exceptional services like payment on delivery or ‘cash on delivery’. They can also pay on a monthly basis, as EMIs. In case any customer is not satisfied with the products, he or she can even return them and get entire payment back. As one of the notable online shopping companies in India, Flipkart also offers 30-day replacement policy. All types of Visa and Master Debit or Credit cards are accepted to initiate the online transaction system. Dedicated delivery partners of Flipkart take the responsibility for timely product delivery at mentioned addresses.
JABONG
Jabong
Jabong.com is certainly in the acclaimed list of online shopping websites in India. One of the best customer support services I found in India. The online shopping website is highly popular in offering best quality products of reputed brands. Customers can cater to a wide variety of fashion apparel, footwear, accessories and even jewelries. They have huge collection of all mentioned items for women, kids and men.
The online shopping website strives best to offer highest shopping satisfaction over the internet to all customers from a wide region. They even use cutting-edge technology on their online shopping platform to make it swift for surfing through various product pages. In addition, highly experienced support team provides exclusive service for consumers and tries to solve almost all problems, if any situation demands. Jabong.com is one of the fastest growing online shopping portals offering reliable, trendy and stylish products according to taste of reigning period and fashion concerns of people. They are highly popular as an online shopping portal offering best prices with exclusive discount offers.
AMAZON
Amazon.in
Amazon is one of the most reputed name in the world of online shopping for products like ebooks, electronics and others items. The Amazon India website and it services are being tweaked for India and its hugely growing online shoppers. Amazon.in is operated by Amazon Seller Services Private Ltd, an affiliate of Amazon.com, Inc. is a Fortune 500 company based in Seattle, that opened on the World Wide Web in July 1995; and today offers Earth’s Biggest Selection. They are committed to ensure 100% Purchase Protection for your shopping done on Amazon.in so that you can benefit from a safe and secure online ordering experience, convenient electronic payments and cash on delivery, easy returns, Amazon’s customer service with 24×7 support, and a globally recognized and comprehensive purchase protection provided by Amazon’s A-to-Z Guarantee.
You can find this Fulfilled by Amamzon badge on many product pages. This specifies that the Orders are eligible for FREE Delivery and can be placed using Cash on Delivery. It is being mentioned by Amazon India that the orders which contains products worth Rs 499 or more are only eligible for FREE delivery. In my opinion Amazon have introduced almost all the practical, useful and cool facilities and features on its Indian counterpart. If you have purchased from Amazon India, please share your experiences. You can also share your feedback on the website.
EBAY
eBay.in
The world’s largest shopping mall on the Internet. eBay is an online marketplace, where individuals and businesses come together to buy and sell almost anything. You can find everything on eBay. Mobile phones, digital cameras iPods, t-shirts, shoes, candles, furniture, jewellery, watches, handicrafts, kurtas, laptops, perfumes, computers, microwave ovens, toys, baby products, weighing scales, and much more. There are many ways to buy, so you can choose the format that is best for you. Make an instant purchase for products at a fixed price with Buy It Now button. Bid using the exciting auction-style format at the price you are willing to pay. If you are the highest bidder you get the item at your price. If you can’t find what you want, let sellers know – Post a Want It Now!
You can Buy and Sell with Confidence. eBay’s Feedback system is very popular. Members rate each other based on their experience during a transaction. This is the easiest way to check a member’s reputation before you trade with them. Using eBay’s Buyer Protection Program, eBay covers your purchases up to Rs. 50000* (for PaisaPay transactions and up to Rs. 10,000 for non-PaisaPay transactions. eBay’s Dispute Resolution Center is also very well known. They can help you resolve any issues with your trading partners.
SNAPDEAL
Snapdeal
Snapdeal.com started their online business platform in 2010 under the leadership of Rohit Bansal and Kunal Bahl. Presently, they are placed at favorable positions on the list of online shopping sites in India. They offer widest range of products – lifestyle, fashion apparel, accessories, electronics, games, eateries, chocolates, grooming, books etc., for both men and women. The online shopping platform has their service in more than 50 cities across India and also has a record 15 million registered users in the country. The website features more than 3000 brands – national, international and even less famous yet offering quality products. The online store has more than 200 categories featuring more than 250000 products listed with them. More than 25000 products are sold every day.
Snapdeal has close ties with reputed courier services that help in faster home delivery process. They even offer free return policy of products, if they fail to meet the expectations of customers. Unlike other Indian online shopping companies, they initiate complete refund and even additional courier charges that the consumer bears, if any, while returning the products in an undamaged and unused condition.
MYNTRA
Myntra
A one-stop online shopping portal, myntra.com caters to fulfill all requirements pertaining to lifestyle and fashion products. The company is counted in the list of online shopping sites raging the country recently. They even offer variety of branded products through the online shopping portal. They are primarily reasonable to make online consumers conscious about brand value of different products of daily utility.
From its introduction into the online business world, myntra is dealing in exclusive choices of accessories, footwear, cosmetics and apparel from more than 500 reputed international and Indian brands. Notable among them are Biba, Adidas, Inc5, Puma, Nike, United Colors of Benetton etc. The online shopping portal is reputed to offer more than 3000 styles of products, fitting requirements of all valued consumers. The customer support service and process of home delivery are one of the swiftest in the business world. They are also one of the leading Indian online shopping companies offering guaranteed 30-day free return of goods from doorsteps of consumers in case of unsatisfactory service.
NAAPTOL
Naaptol
Naaptol.com is one of the fastest growing top ecommerce sites in India. The company was founded on 2008 under Manu Agarwal. Initially the company served as a search engine to provide comparison of product prices and offer services for product research. A year later, they emerged to be an online marketing platform and were able to create a furor in the market. With plenty of items in store, like cameras, tablets, home appliances, mobiles and others Naaptol saw a whopping turnover of more than Rs.10 crore in 2009-10.
One of the top ecommerce websites in India, Naaptol initiates faster delivery of all ordered products. However they charge a small amount of shipping charges, based on the distance the parcel is addressed. Naaptol also offers alluring points to online customers on ordering different products, which can also be utilized to get attractive discounts at a later stage. All products are genuine. Naaptol reserves the right to declare products eligible for return and refund in case a dissatisfied consumer takes up the case with customer representatives of the company over telephone within 2 days of receiving their orders.
INFIBEAM
Infibeam
Infibeam.com is a growing online ecommerce platform having their headquarter at Ahmedabad in Gujarat. The online shopping website especially deals in automobiles, electronic goods, books and lifestyle products. They initiated online business since 2007 and have an employee base of more than 1300. The online retail store is highly popular among prominent list of online shopping websites in India due to their authentic products.
The website also features images with higher resolution and functional zoom tool that eventually helps to visualize every product in minute details. They even offer in-depth information about the technical specifications of products making it easier for online consumers to choose their desired items easily. Infibeam is highly popular due to an innovative scheme of Magic Box that offers enticing deals through the initiative of BuildBazar. BuildBazar is able to boast implementation of over 10,000 operative stores across internet platform. Magic Box is activated every midnight and offers two dreamy deals on products from Infibeam.com, one of the notable online shopping portals.
Simbla.com
HOMESHOP18
Homeshop18
Homeshop18.com is a popular online merchandise catering to fulfill major electronics and household items for online consumers across major locations of the country. One of the most popular online shopping companies in India, Homeshop18 even offers wide collection of fashion apparel at high discounts. They showcase more than 1500 products under Indian and even international brands. The company has close contractual ties with major courier service providers to deliver ordered products across 3000 locations.
The online retail store has been a major attraction for consumers across the country due to authenticity of products. They even offer pleasant visuals of products – including detailed videographic demonstrations and images from a wide range of angles. The online shopping website even offers a wide range of payment option, including net banking, online credit or debit card transaction and facility of cash-on-delivery. Homeshop18.com, like most reputed Indian online shopping companies, even guarantee 100% money back offer, in case of consumer dissatisfaction and if the product is returned unused and undamaged within 2-days of delivery.
SHOPCLUES
Shopclues
A reputed online shopping retail website having headquarter in Gurgaon, Shopclues.com maintains more than 12,000 merchants who are registered with the company. It is one of the top ecommerce websites in India, which deals in more than 2 million products. They guarantee authenticity of products, warranty and even ensure lowest price. They even have a record of catering to more than 42 million online visitors. The company has even more than 350 registered employees across the country. They offer wide range of branded products to consumers from every corner of the country.
Shopclues.com initiate free delivery services at the doorsteps of customers through reputed courier services to nearly 10,000 cities across the country. They even initiate a 30-day return guarantee if unable to meet customer satisfaction. One of the leading online shopping companies in India, Shopclues.com accepts online payment through major credit and debit cards, including net banking services. The online shopping website service employs more than 400 personnel for effective handling of the business and is even funded by national institutional investors.

INDIATIMES SHOPPING
Indiatimes-shopping
Shopping.indiatimes.com now tops the list of online shopping websites in India. The site mostly deals in electronic gadgets. What is special about this online shopping site is that the owners offer discount on varied electronic gadgets on the eve of different festivals. The site is quite user friendly and can be accessed from hi-tech mobile phones easily. People can visit the site to purchase both new and used mobile phones of reputed brands at considerable price. Along with electronic gadgets, site owners are also now retailing fashion jewelries, books, lifestyle products etc.
Shopping.indiatimes.com introduces special deals, coupons to help customers purchase attractive appliances within budget. As diwali is approaching, it is the perfect time to visit the site to purchase expensive gadgets like laptops, computers, Smartphones within budget. Shipping facilities and customer care service of the site is noticeably different. This is one of the online gadget shopping sites that offer EMI facility to customers.

REDIFF SHOPPING
Rediff Shopping

Shopping.rediff.com is among the top India online shopping companies where daily thousands of customers visit to purchase different products. It is a one-stop solution that retails everything – from daily-needed objects to exclusive apparels manufactured by top international brands. A huge number of customers visit the site to purchase attractive gift hampers. The site is now dealing with more than 250 brands, both national and international to provide customers wide range of products from the house of top manufacturers.
The site owners follow only one mode of transaction- cash on delivery, in order to keep up good relation with clients. The owners often to help customers in purchasing expensive articles at considerable price introduce special deals or coupons. The site was introduced in the year 1999 and is operating quite successfully and creating loyal consumer base. Present visitor rate for the site is 89.1%. Shopping.rediff.com is a competitor of flipkart.com and junglee.com.

Posted by Editorial Team on 02:09 in

Invested in mutual funds? You must know how the industry fared@@@@@@####

The past year has been excellent for the mutual funds industry, with equity folios regaining the 40 million mark and assets under management (AUM) touching a record Rs 13 lakh crore or Rs 13 trillion in July.

The month also saw the highest absolute gain in over four years.

Thus the mood at the Business Standard Fund Cafe on Wednesday was optimistic.

A panel of chief executives of seven leading fund houses expressed confidence that AUM would cross Rs 20 lakh crore or Rs 20 trillion in three years.

This is partly because retail investors are indeed coming back after almost three years of negative flows.

Last year, mutual funds saw almost 1.5 million new investor folios and creation of eight million systematic investment plan (SIP) folios, largely because of the increasing flow from smaller cities and towns.




The potential is huge, as the industry has 10-15 million actual investors and that's barely 25-30 per cent of potential judged by the number of those filing income tax returns.

Still, mutual fund houses do have several challenges ahead to win more investors.

For example, according to data available with the Securities and Exchange Board of India, this is one of the four jurisdictions with the most upfront commission charged to investors.

The regulator has also been critical of how asset management companies use funds meant to raise investor awareness.

While such behaviour is not universal, fund houses would do well to introspect on how to remove the widespread perception that the voice of the consumer is not being heard.

It is also important for fund houses to manage return expectations in times of euphoria by engaging with investors to showcase their track record; and to increase their risk management capabilities by taking advantage of a hedging mechanism now permitted by Sebi.

Also, a McKinsey study in June this year has shown distribution of assets is still unequal among various Indian cities.

The share of the so-called B-15 cities (those below the top 15), has been stagnant, at 14 to 16 per cent of the industry's total AUM.

Even within the top 15 cities, the top five fund houses alone account for 72 per cent of the total AUM.

Despite the impressive growth, there is also a growing feeling, as pointed out by a Confederation of Indian Industry-PricewaterhouseCoopers study that the industry has shaped itself into a mutual funds business rather than an asset management business as defined by global peers.

There are opportunities to offer products that address multiple investment needs, to bring in additional investors.

An investor then could choose products that meets her needs at every stage in life.


On its part, the government should look at removing unnecessary roadblocks.

For example, if someone can open a bank account with just an Aadhar card, what is the rationale for insisting that she has to provide a permanent account number and other know-your-customer documentation before investing in mutual funds?

Posted by Editorial Team on 01:44 in

आईफोन, आईपैड और ऐंड्रॉयड पर फ्री हुआ माइक्रोसॉफ्ट ऑफिस

अब आप अपने स्मार्टफोन और टैबलट पर माइक्रोसॉफ्ट ऑफिस मुफ्त में इस्तेमाल कर सकते हैं। आप अपने आईफोन, आईपैड और ऐंड्रॉयड डिवाइसेज़ पर वर्ल्ड, एक्सेल और पावरपॉइंट फाइल पढ़ने के साथ-साथ क्रिएट और एडिट भी कर सकते हैं।इससे पहले ऐसा करने के लिए ऑफिस 365 का सब्स्क्रिप्शन लेना पड़ता था, जिसकी कीमत हर महीने 7 डॉलर चुकानी पड़ती थी। 

माइक्रोसॉफ्ट चाहता है कि ज्यादा से ज्यादा कस्टमर्स उसकी सर्विसेज़ का इस्तेमाल करें, चाहे वे किसी भी डिवाइस या ऑपरेटिंग सिस्टम पर काम करते हों और इसी मकसद से उसने यह कदम उठाया है।माइक्रोसॉफ्ट के नए चीफ एग्जेक्युटिव सत्या नडेला ने फरवरी में कार्यभार संभालने के बाद आईपैड पर ऑफिस को उपलब्ध कराया था। इससे कंपनी को चार करोड़ यूज़र्स मिले थे। 

माइक्रसॉफ्ट ऑफिस ऐप को आईओएस और प्ले स्टोर से मुफ्त में डाउनलोड किया जा सकता है।

Posted by Editorial Team on 03:52 in android, free, Microsoft office, samsung