Wishing Tree

When LTCG tax increased, and indexation benefit scrapped, we have to be even more prudent in investing.

Because our financial goals are OUR life goals, which we have to stay firm to achieve, as they make our life meaningful.

So, individuals just cannot afford to randomly invest in any MF schemes, thinking markets upar jaa rahi to returns to degi hi naa....na ji post tax returns matters. So CHOOSE WISELY! For more, contact +91 8766512300.

Here's a Beginner's guide to opening a Demat Account.

But what is a Demat Account?
Link in story

How do we select stocks for our investing purpose.

Let's say, you are 26 years old, just started with your career, and you have investible surplus of Rs. 2500 only. Out of this limited surplus, you have to make some prudent choices about stocks, as you are looking forward to build your portfolio.

How would you make the choices out of number of companies listed on the stock market?

You would ask your father or friend? You would follow some random tips on Telegram channel or WhatsApp channel? Or rather, take some efforts to study and research as it is your hard earned money, which you are planning to put on work for a long term?

The last approach is a rational and best approach. So here's quite a study which will help you to start with stock selection, you can take the pointers and develop you own style of investing.

Nothing beats your own research and study!

Buying stocks? Never undermine the difference between market value and intrinsic value.

While Investment planning, we consider the taxation aspect on that investment as well. For that matter of fact, do we know what are different tax status and how it impacts different investments?

Connect to know more ✌🏻

Exchange Traded Funds and Index Funds, both are passive investments. However there are some differences 👇🏻

Session on Financial Planning for Women with Glad to conduct this session with Women from Pune, Bangalore, Delhi and Ahmedabad joining for the session..👏👏

Many Thanks to Aman Rajabali Sir and Saee Gaekwad. 🙏

Tired of feeling stressed about your finances? Budgeting doesn't have to be boring! It's all about taking control and achieving your goals, like that dream vacation or finally paying off debt .

Here's why budgeting rocks:

See where your money goes: Track your income and expenses to identify areas to save more.
Set financial goals: Define your priorities, whether it's a new car or building an emergency fund .
Make smart choices: Make informed decisions about your finances, aligned with your long-term goals.
Ready to get started?

Track it: Keep track of your income and expenses for a month.
Categorize it: ️ Group your expenses (rent, groceries, etc.) for easy analysis.
Plan it: ️ Create a budget using a budgeting app or spreadsheet.
Review it: Regularly check your budget and adjust as needed.
Remember: Budgeting is a journey, not a destination. Share your best budgeting tips in the comments!

Tired of feeling stressed about your finances? Budgeting doesn't have to be boring! It's all about taking control and achieving your goals, like that dream vacation or finally paying off debt .

Here's why budgeting rocks:

See where your money goes: Track your income and expenses to identify areas to save more.

Set financial goals: Define your priorities, whether it's a new car or building an emergency fund .

Make smart choices: Make informed decisions about your finances, aligned with your long-term goals.
Ready to get started?

Track it: Keep track of your income and expenses for a month.

Categorize it: ️ Group your expenses (rent, groceries, etc.) for easy analysis.

Plan it: ️ Create a budget using a budgeting app or spreadsheet.

Review it: Regularly check your budget and adjust as needed.

Remember: Budgeting is a journey, not a destination. Share your best budgeting tips in the comments!

"Compounding is the eighth wonder of the world" - Albert Einstein
Here are the cases displayed for better understanding.

There's a difference in just taking a risk and taking a calculated risk

Sunday Wisdom

Have no idea how to select stocks? - No worries, Concerned how would FDs build your retirement corpus - Relax, Your heart simply does not allow you to sell gold during need - Chill...kyunki *Mutual Funds hai naa* to create *required diversified portfolio*🗃️. I am just a message away 🙋

It's not just about numbers or just accumulating money, it is more about YOUR PURPOSE behind investing money in any investment instrument, be it equity or be it fixed income.
Connect, to get a comprehensive financial strategy with only YOU and YOUR GOALS in focus 🎯

SIP is good, but SIP top-up is even better. Align it with your annual increment and never fail to meet your life goals 🍒 .

To understand contact

+91 087665 12300

A record *40.32 Lakh* people registered for systematic investment plans *(SIPs)* in December riding on the back of a sustained bull run in markets. This was a 31 percent spike over November and a 73.5 percent surge over the last year.

A consistent *30 Lakh* fresh additions every month since July has driven the SIP registrations for FY24 above the the combined figure for FY23 and FY22, according to the Association of Mutual Funds in India (AMFI). Between April and December 2023, there were 2.85 crore new registrations, surpassing the totals of 2.51 crore and 2.66 crore for the entire FY23 and FY22 respectively.

Contact, to create a MF portfolio. Best time to Invest was Yesterday, However Better Late Than Never!

Please find enclosed the list of selected AMCs which accept investments from *NRIs* visiting India from *US and Canada* in physical mode. 👇🏻

*Please note the important points.*

👉🏻 For physical mode of transactions, AMCs require additional written declaration as per their own format during the investment process along with the immigration proof (Proof that they are present in India at the time of Investment).

👉🏻Declaration format for all the above mentioned AMCs can be taken, for that matter pls *DM me with your email id* to send the NRI declarations for all the above AMCs.

*Important Information*

👉🏻NRIs can invest in mutual funds in India via NRE and NRO accounts.

👉🏻They can invest directly using these accounts or by granting the power of attorney to a trustworthy person, who can invest on their behalf.

*They would require to have,*

👉🏻 *Non-resident External (NRE)*: It is suitable for NRIs who want to park their overseas earnings in India.

👉🏻 *Non-resident Ordinary (NRO)*: It is an account opened in an Indian bank in the name of NRI. The main objective of an NRO account is to manage the Indian earnings of NRIs.

Once an NRE or NRO account is opened, NRI can invest in mutual funds in any one of the following ways:


👉🏻 *Direct or Self*: You can invest directly in mutual fund schemes via regular banking channels using your NRE/NRO account.


However, you will need to submit the KYC documents that include your recent photographs, self-attested copies of Adhaar, PAN, Passport, bank statements, and foreign residence proof.

Your bank may require an in-person verification, which you can manage by visiting the Indian Embassy in your country.

👉🏻 *Via Power of Attorney (PoA)*: This is another way NRI can invest in mutual funds in India. The reputed AMCs allow PoA holders to invest on behalf of NRIs. You will have to complete the KYC process in this method as well. Both the NRI and the PoA holder must sign the KYC papers to be eligible to invest in MFs in India.

Nema Buch
Founder - Wishing Tree Fin (OPC) Pvt. Ltd.
+91 8766512300
www.wishingtree.co.in

Merry Christmas !🎄🎇

Among influencers promoting derivative trading, media creating hype on IPOs, and flamboyant real estate, some of the conservative investments are often ignored and undermined by us. Found this article quite informative to get the updates about small saving schemes, like , , (senior citizen savings scheme) ...they do work wonders (magic is in long term compounding) and balance your portfolio.

Post office schemes new rules 2023: Major changes made to PPF, POTD, POMIS, Senior Citizens Savings Scheme, other small savings schemes The government has made various changes under small savings schemes in the year 2023. Here we have listed some of the major and important changes made by the government.

A couple of days ago, when the Fed announced that the new year may bring cuts in interest rates as inflation is easing, the SPDR S&P 500 ETF managed by State Street Global Advisor had a huge Santa Claus rally with the highest inflow since its inception in 1993.

Now what is the SPDR S&P 500 ETF?
Let's decode the name.

SPDR: Standard & Poor's depository receipt (also known as Spyder or Spider)

S&P 500: Standard & Poor's 500 Index

ETF -Exchange Traded Fund

SPDR S&P 500 ETF is the largest, oldest, and most popular exchange-traded fund listed on NYSE Arca.

It tracks the S&P 500 index, meaning its investment portfolio comprises 500 large-cap US stocks that are in the S&P 500 index with the same weights.

Here, the objective of this note is to highlight two points:

The first is the connection between , , , and . Just a signal from the FED that, next year, as inflation is going down, there may be interest rate cuts. People showed their trust in the index, invested, and the market rallied. The stock market behaves in a similar fashion worldwide.

Second, what are and how do they make lucrative investment vehicles?

ETF, short for Exchange Traded Fund, is very similar to mutual funds, but the difference is that it is tradeable on an exchange like a stock.

Hence, its prices fluctuate in relation to the underlying index during the day, unlike mutual funds, whose NAV is updated once a day.

Hence, when the underlying index rallies, the ETF also rallies.

When you invest in an ETF, you are actually investing in the whole underlying index. Further breaking down, you are eventually investing in all those stocks that are on the index with the same weights as the index.

Thus, ETFs are a good investment vehicle in which one can stay invested in the equity markets without selecting particular stocks which otherwise demands time and knowledge.

Again, there are different ETFs available with different underlying indices, thematic, sectoral, commodities etc.

If we compare it to mutual funds, its expense ratio is lower as there is less(passive) involvement of the fund manager in ETFs.
In India, the 1st ETF was introduced in 2002 by Nippon India Mutual Fund, named Nippon India ETF Nifty 50 BeES.

ETFs are considered an all-weather investment product, a product for savvy millennials, and a smart solution for the long-term investor.

Started with the US ETF example and ended with what ETFs are, because financial literacy is all about how we connect the dots and make sense out of different news stories spanning economies world wide.

Disclaimer: The specific financial products mentioned in this article are for illustrative purposes only. They are not to be construed as recommendations for investments. Always please check your risk profile before selecting any financial product for investment.

Want to know more on and ? DM me.

It's a best case scenario in your financial planning, when luck and markets are on your side at the time of realizing your planned goals.

This is being proven true for those who did financial planning 10-15 years back and have their couple of bigger goals falling in 2023-2024. Analysts predict a rally in the Indian stock market, before elections in 2024.

This will ensure that in spite of rising inflation and an in between phase of pandemic led downturn on their timeline, they will not fall short of achieving their planned goals.

Hence, life has its own plans, the least we can do is to plan to face it in the best way.

If you have not done your financial planning yet, you still haven't missed the bus. Start planning as we are about to enter a possible bull run and a high growth phase growth of the country.

Need help? Please DM

With increasing costs of quality higher education in India, many people are resorting to student loans. Good debt has the potential to increase your net worth or enhance your life in an important way. However in the end it is indeed a personal aspect to decide upon. On one side, it facilitates to pursue the education which is your dream and enhances your worth but with higher cost. In Personal Finance Planning, as a part of debt planning considering certain pointers is critical to decide better. 👉 https://wishingtree.co.in/blogs-%26-articles/f/to-opt-or-not-opt-for-a-student-loan or go staright to the story 👆

Rest In Peace, Charlie Munger 💐

A Lovely token of appreciation given to me from NJ Wealth CEO Mr. Misbah Baxamusa.
All Thanks To Mr. Praveen Singh and Mrs Annu for their support

Investments are similar to plants...that's the anomaly we have often heard, isn't? The idea is to experience in reality too!

Systematic Investment karo ya lumpsum, Invest always With Awareness! That's Wishing Tree's Mission!!🚀

Do you know, while selecting a mutual fund schemes for investments, one of the important criteria to check is who are its Fund Managers. So let's know some of the basic things about the role of Fund Managers. 👇

https://wishingtree.co.in/blogs-%26-articles/f/role-of-fund-managers-in-mutual-fund-schemes or go to story 👆

Experts say that geopolitical risk is one of the greatest risks. Let us understand what geopolitical risk is and how it impacts our investment planning

Follow this link 👉 https://wishingtree.co.in/f/geopolitical-risks-in-the-modern-world or go to the story 👆

Let us know some of the great personalities who have made immense contributions to the World. Lets know about some of the contributions made by noted Economist Amartya Sen

Go to 👉https://wishingtree.co.in/blogs-%26-articles/f/know-great-personalities or go to the story 👆

New Vikram Samvat Greetings 🏵️🙏

Diwali Greetings 🙏🎉🌟