How to Master SIP Investing in 2024 with Radha Consultancy and Quantum Mutual Fund

 

Struggling to grow your savings? Feel overwhelmed navigating investing? 

What if there was an easier way to reach your financial goals? One that generates steady returns over time while minimizing risk? 

SIP (Systematic Investment Plan) offers exactly that - a stress-free approach to invest and build wealth. And our comprehensive 2024 guide created with Quantum Mutual Fund and Radha Consultancy breaks down everything you need to master SIP.

Craft Your Custom SIP Strategy

Our guide provides personalized advice tailored to your specific money milestones. Learn insider tips to pick optimal SIP schemes across categories like equity, debt, and gold. Master projecting returns so you know exactly what corpus to expect. And monitor performance seamlessly with easy Excel trackers. 

Whether you dream of a relaxed retirement, funding higher education, or planning a dream vacation - our experts help you structure the ideal SIP portfolio. 

Conquer Volatility for Confident Investing

We also address common concerns over market volatility derailing your SIPs. Turns out, SIP actually smoothes out turbulence over the long run through rupee cost averaging. 

And with a minimum 5-year investment horizon, historical data shows you can ride out short-term fluctuations. We equip you with the exact long-term, volatility-beating strategies followed by seasoned investors.

Unlocking Your Financial Potential 

By arming you with robust knowledge and customizable tools, our 2024 SIP guide empowers you to unlock your full financial potential. 

You’ll learn to leverage the power of compounding, make volatility work for you and avoid common SIP mistakes. Our goal is to help you gain complete confidence in charting your wealth creation journey.

So, are you ready to become a SIP pro? Read our forthcoming sip supplement in Tamil as a Pongal gift through namathu chettinad magazine. And if you are interested in advertising your products or services in the SIP supplement, you can reach out to us at We have limited slots available, so hurry up and book your spot now. 

Here is the  pre read access to our entire toolkit - calculators, Excel trackers, workshops and more! With Quantum MF and Radha Consultancy as guides, we can’t wait to see the investing heights you’ll scale using this SIP masterpiece.

some exclusive offers and bonuses, such as:

• A free SIP Handbook that you can download here: SIP Handbook. This is a comprehensive guide that covers how to choose the best SIP schemes, how to manage your SIP portfolio, how to calculate your SIP returns, and how to save taxes with SIPs.

• 
  A series of workshops on MS Word and MS PowerPoint by MMA. These workshops will show you how to use these powerful tools to create professional and impressive documents and presentations. You will also get 1-on-1 mentoring on advanced SIP tracking using Excel. You can register for these workshops here: MS Workshops.

• A blog on choosing the ideal ELSS schemes for wealth creation and tax saving. You can read the blog here: Combine SIP and Tax Savings.

• SIP - Excel Handbook both in English and Tamil

📚 Get the English version of SIP and Excel .

📚 Get the Tamil version 

#SIP #MutualFunds #QuantumMF #RadhaConsultancy #FinancialGoals

Unlock Productivity with My Upcoming Microsoft Office Workshops

 

Microsoft Office and AI to Maximize Impact and Efficiency

Join me for my upcoming workshops through Madras Management Association as I share insider techniques to master Office apps like Word, PowerPoint and Excel.  

Workshop #1 - Conquer Microsoft Word   

In this January 9th session, take your document creation skills to the next level by learning:  

🔒 Secure sensitive info with robust protection  

🌐 Simultaneously co-author with remote teams

💬 Dictate full paragraphs just by speaking    

🚩 Restore past versions effortlessly  

I’ll also demonstrate how AI writing assistants can help draft content through simple prompts. 

You'll leave empowered to produce polished, professional docs with ease.  

Workshop #2 - Develop Captivating Presentations  

My January 23rd workshop uncovers advanced PowerPoint functionality for greater impact:   

💬 Refine delivery with Presenter Coach AI guidance  

📊 Animate data visually to boost retention   

🖲️ Utilize smooth morph transitions  

🎦 Embed online videos for multi-media engagement  

View sample presentations developed using AI technology to spark ideas. Attendees will be able to create memorable presentations that educate and compel audiences.   

Bonus Excel Resource 

Learn using Excel in Investing through our  SIP-Excel Handbook  

To provide additional value, access my Excel SIP ( Short English hand book of sip and excel in pdf ) covering: 

  

📈 SIP basics and calculations demystified   

📉 Real-life investing scenario examples    

🔢 customizable Excel investing templates  

Start strategically growing your money. 

Additional read

Detailed 16 chapters Tamil Mutual Funds book 

AI Chatbots for Intelligent Content Creation   

Emerging tools like ChatGPT auto-generate text for documents, slides and spreadsheets through prompts. Attend my AI Assistants talk to wield these cutting-edge capabilities.   

Interested in attending? Register with Vinoth at +91 6374603433 or MMA at mma@mmachennai.org.   

Let me know any specific questions on mastering Word, PowerPoint, AI chat bots or other tools! I look forward to helping maximize your workplace productivity.

#MSWordTips

#PPTDesign

#Office365

#DigitalSkills

23-24 ஆண்டிற்கான வரி சேமிப்பு முதலீடு செய்த்துவிட்டீர்களா?

வருமான வரியை சேமித்து சம்பாதிக்க ELSS வழி!

டிசம்பர் வந்துவிட்டால், வைரல் ஃபீவர் வருகிறதோ இல்லையோ டாக்ஸ்(Tax) பீவர் வந்துவிடும் பலருக்கு. வரியை குறைக்க வரி சேமிக்கும் வழிகளை தேட வேண்டும். அவசரம் அவசரமாய் போவது.. இன்சூரன்ஸ் பக்கமே. அதை விட அதிகம் லாபம் தரும் சிறந்த வழிகளும் இங்கே உள்ளன.

ELSS என்றால் என்ன? அதன் நன்மைகள்

ELSS என்பது Equity Linked Savings Scheme என்று அழைக்கப்படுகிறது. இது மியூச்சுவல் ஃபண்டு மூலம் முதலீடு செய்வதன் மூலம் வருமான வரியில் ₹1.5 லட்சம் வரை சேமிக்க உதவுகிறது. ஈகுட்டி லிங்க்டு சேவிங்ஸ் ஸ்கீம்(ELSS). இந்த திட்டத்தில் கட்டாய சேமிக்கும் வருடம், மூன்று வருடம். இது இன்சூரன்ஸ் போன்று பத்துவருடம் இல்லை. இதில் கிடைக்கும் லாபமும் அதிகம் இருக்க அதிக வாய்ப்புகள் உள்ளன. 

ELSS ஃபண்டுகளில் முதலீடு செய்வதன் மூலம் பின்வரும் நன்மைகள் கிடைக்கின்றன:

1. வருமான வரிச் சலுகை -  ₹1.5 லட்சம் வரை வரியில் இருந்து விலக்கு

2. வேலை நிமித்தமான முதலீடு கட்டாயமில்லை - வேலை இழப்பு ஏற்பட்டாலும் பணத்தை எடுத்துக்கொள்ளலாம்

3. பொது ஃபண்டுகளை விட அதிக வருமானம் - கடந்த 3 ஆண்டுகளின் சராசரி வருமானம் 21%

4. முதலீட்டை மீட்க 3 ஆண்டுக்குப் பின்னர் தான் அனுமதி

எனவே, வருமான வரி சேமிப்பு நோக்கத்திற்காகவும், நல்ல வருமானத்திற்காகவும் ELSS மியூச்சுவல் ஃபண்டுகள் மிகவும் பயனுள்ளதாகும்.

ELSS ஃபண்டுகளின் சமீபத்திய வருமானம்

இங்கு  உள்ள 40 க்கும் மேற்பட்ட பண்டு நிறுவனங்கள், இந்த மாதிரியான திட்டங்களை தந்து வருகின்றன. அதில் தேடிப்பிடித்து பத்து  ஃபண்டுகளை, உங்களது முதலீட்டு பார்வைக்கு தந்துள்ளோம். மற்ற வரி சேமிக்கும் வழிகளோடு சரியாக புரிந்துகொள்வதற்கு, கடந்த  3 வருட லாப விபரங்களை அட்டவணையில் தந்துள்ளோம்.

Fund Name	3 Yr Ret (%)
Quantum ELSS Tax saver	19.11
Canara Robeco ELSS Equity Tax Saver	20.37
UTI ELSS tax saver	18.22
Sundaram ELSS tax saver	20.77
TATA ELSS tax saver	20.73
HDFC ELSS tax saver	26.43
Bandhan ELSS tax saver	27.98
Mirae Asset ELSS Tax Saver	20.55
DSP ELSS Tax Saver	22.97
Kotak ELSS Tax Saver	22.00
ELSS category	21.11

புதிய மற்றும் பழைய வரி விதிப்பு முறைகள் 

புதிய வருமான வரி விதிமுறைகளில், 80C பிரிவு அனுமதிக்கப்படாது; இது எதிர்காலத்தில் அனைத்துக்கும் ஏற்படலாம். ஆனால் கூட, வருமான வரி சேமிப்பு சாதனங்கள் நல்லவையாகவே உள்ளன. வரிச்சலுகை இருக்கும் காலங்களில் சேமிக்கலாம், பிறகு அதிக வருமானத்திற்காக தொடரலாம்.

SIP முறையில் ELSSல் முதலீடு

எஸ் ஐ பி யைப் (SIP) பற்றி அறியாதவர்கள் இப்போது இருப்பதில்லை, எல்லோருக்கும் தெரிந்த விஷயம் தான். ஒரேமுறையில்(Lump sum) முதலீடு செய்வதை விட, எஸ் ஐ பியாக முதலீடு செய்வது பல விஷயங்களில் நல்லது என்றே நாம் அறிவோம்.   எஸ் ஐ பியாக முதலீடு செய்வது, மிகவும் உசிதமாக தோன்றுகின்றது. எனவே தயக்கத்தை தள்ளி வைத்துவிட்டு இந்த மாதம் முதல்  மாதா மாதம் ரூ 10,000 - 12,500 இ எல் எஸ் எஸ் திட்டங்களில் எஸ்ஐபி முறையில் முதலீடு செய்வது பலன் அளிக்கலாம்.

ELSS ஃபண்டுகளில் SIP முறையில் முதலீடு செய்வது நல்லது. ஏனெனில் சந்தையின் மாறுபாடுகளை ஈடு செய்ய வாய்ப்புள்ளது. 

SIP சிறுக சிறுக சேமிக்கலாம் என்ற 50 பக்க விளக்க கையேட்டை இங்கு படிக்கலாம். கூடுதல் செய்தி இந்த புத்தகம் பொங்கல் சிறப்பு இதழாக நமது செட்டிநாடு பத்திரிகையில் குவாண்டம் பண்டு ஆதரவோடு வெளிவருகிறது 

வரி மற்றும் பண்டு  முதலீடுகள் பற்றியும்  படித்து அறிந்துகொள்ளலாம்.

வருமான வரி சேமிப்பு காலம் ஆரம்பமாகி விட்டதால் ELSS SIP அல்லது லம்ப்சம் முதலீடுகளை செய்ய தயக்கமின்றி தொடர்புகொள்ளவும்.

Contact us to save tax

Radha Consultancy : Contact us

#ELSS #வருமானவரிச்சேமிப்பு #மியூச்சுவல்ஃபண்டு

Tax Saving Season Arrives

 

Beat Tax Fevers with SMART Investing

December is around the corner, the fever to save tax has started gripping people across the state. With the tax saving deadline approaching, individuals are looking for smart investment options not just to reduce their tax liability but also get inflation-beating returns.

Equity Linked Savings Schemes (ELSS) seem particularly attractive in the current environment. Though tax benefits under section 80C will eventually be phased out as per new income tax guidelines, investors can still claim deduction this year. 

Top ELSS Funds to Consider

Here are some top performing ELSS funds to consider based on latest available data:

Fund Name	1 yr %	3 Yr Ret (%)	5 Yr Ret (%)	10 Yr Ret (%)
Quantum ELSS Tax saver	16.24	19.11	12.90	13.85
Kotak Tax Saver	16.32	22.00	18.19	18.63
Canara Robeco Equity Tax Saver	13.69	20.37	18.61	17.26
DSP Tax Saver	18.34	22.97	18.73	18.84
Mirae Asset Tax Saver	15.20	20.55	18.85

With volatility expected in 2024, adopting a SIP approach can help average out costs. 

Start Early with SIP to Maximize Benefits

So don’t delay and start monthly ELSS-SIPs to maximize tax savings as well as potential returns. SIP is the most popular word now. We know that investing in SP is better in many ways than investing in a lump sum. In this volatile season, SIP in ELSS seems very appropriate.

Earlier is better: In the month of March, it is obvious that the investment in tax-saving schemes will increase. But many IT companies and other companies will get the tax saving details from the employees in December and January. They calculate the applicable TDS based on these inputs. So, there is no point in sleeping till the 11th hour.

Read More

To read more on SIPs and taxation of mutual funds, check out:

- My SIP handbook in Tamil (SIP Hand book in Tamil ) 

- Taxation of Mutual Funds chapter in my mutual funds book in Tamil ( link )

Do reach out to us for personalized advice on tax planning investments suitable for your specific needs.

Contact us to save tax!

Radha Consultancy : Contact us

#ELSS #taxsavings #SIP #mutualfunds  

The Rise of Innovation in India

 

Seeking Alpha in Early-Stage Investing?

Are you looking beyond traditional investment avenues to diversify your portfolio? Seeking smart ways to manage your wealth for maximum gains?

We are excited to spotlight Innovation Funds - a specialized category under equity thematic funds that is gaining tremendous interest among savvy investors. 

These funds identify early-stage innovation themes with high disruptive potential - be it next-gen technology, sustainable consumption or healthcare. By strategically investing in startups aligned to these themes, innovation funds target multifold returns over long horizons.

Our comprehensive Tamil guide on mutual funds deep dives into equity funds. The thematic funds chapter provides an actionable framework to identify funds positioned on future megatrends. 

Unlock Exclusive Insights Now!

Download the equity funds segment of our Tamil mutual funds book. Learn frameworks to evaluate innovation funds and add high-potential thematic bets to your portfolio. Take your investing game to the next level!

What are Innovation Funds? 

Innovation funds differ from Technology funds in that they specifically focus on investing in companies pioneering new products, services and business models rather than just investing in technology companies. They nurture early-stage startups and innovation across a wide range of domains.

There are many potential investment opportunities in India's innovation ecosystem. Some of the most promising sectors include:

• Artificial intelligence (AI): AI is a rapidly growing field with the potential to revolutionize many industries. India has a strong pool of AI talent and is home to a number of promising AI startups.

• Fintech: Fintech is another rapidly growing sector in India. The country's large and growing middle class is driving demand for innovative financial products and services.

• Healthcare: India's healthcare sector is undergoing a period of rapid digitization. There is a growing demand for telemedicine and other digital health solutions.

• SaaS/Deep Tech: SaaS and deep tech companies are developing innovative software and hardware solutions that are changing the way businesses operate.

Thriving start-up ecosystem India

India's start-up ecosystem is one of the most vibrant in the world. The country has a large and growing pool of entrepreneurial talent, as well as a strong support network of investors, incubators, and accelerators. This has led to a surge in the number of new startups being founded in India in recent years.

Maturing digital payment stack and evolving use cases

India's digital payment stack is maturing rapidly, with a wide range of payment options now available to consumers and businesses. 

Ecommerce has significant potential.

Ecommerce has significant potential in India, as the country's large and growing middle class is increasingly shopping online. This is driving the growth of new ecommerce platforms and is also leading to the development of new and innovative logistics and supply chain solutions.

Fintech: Digital payments

Fintech is another sector with significant potential in India. The country's large and unbanked population is driving demand for innovative financial products and services. This is leading to the growth of new fintech companies, including mobile wallets.

Food Tech: Large addressable market and industry structure

Food Tech is also a sector with significant potential in India. The country has a large and growing addressable market, and the industry is undergoing rapid consolidation. This is creating opportunities for new food tech companies to enter the market and disrupt the status quo.

SaaS/Deep Tech: Real innovation happening in India.

SaaS and deep tech companies are developing innovative software and hardware solutions that are changing the way businesses operate. These companies are at the forefront of innovation in India and are well-positioned for long-term growth.

Generative AI: Startups in India Doubled in 2022

Generative AI startups in India doubled in 2022, with a focus on natural language processing (NLP), computer vision (CV), and creative applications. These startups are using AI to generate realistic images, videos, and text, which is having a major impact on a wide range of industries.

Healthcare: Pace of digitization is expected to increase in India

The pace of digitization in India's healthcare sector is expected to increase in the coming years. This is due to a number of factors, including the growing demand for telemedicine, the increasing use of wearable devices, and the development of new AI-powered healthcare solutions.

Call to Action  

If you would like to read more about innovation funds in Tamil download our free eBook on mutual funds equities chapter covering thematic funds. The equity funds section features a chapter on how young technology companies are funded by such specialty funds. You can also reach out to us for investing in UTI Innovation mutual fund schemes.

Read more!

Read a summary of the first ten plus chapters of the yet-to-be-released Mutual Fund book here.

Chapter 1 - What is Mutual funds

Chapter 2 - Why Mutual funds

Chapter 3 - Understanding Mutual Fund Categories

Chapter 4 - Equity funds

Chapter 5 - Debt Funds

Chapter 6 - Hybrid Funds

Chapter 7 Others - Goals / ETF/ FOF

Chapter 8 Choose MF

Chapter 9 SIP

Chapter 10 Manage MF 

Contact us to get the actual book previews in Tamil, all contents free without any locks!

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#innovationfunds #thematicinvesting #disruptivetech