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β Pradeep Jaiswal
Want to take a βΉ50L home loan?
Take it only if you tick these 5 boxes! π¨
(βΉ50L loan = ~βΉ44K EMI for 20 yrs)
1/ Stable income where this EMI stays under 40% of your take-home.
That's ~βΉ1.1L/month.
2/ A 6-month emergency fund kept aside, including the new EMI.
3/ Health insurance of at least βΉ10L, so one hospital bill doesn't break your EMI.
4/ Term insurance of βΉ50L or more, so your family never inherits this loan.
5/ Down payment of about βΉ12L ready, without touching your savings.
Tick all 5 and you're truly ready. If not, wait a little.
So, how many can you tick?
β€οΈ All 5
π 3-4 boxes
π’ 0-2 boxes
6 income schemes which give more return than regular FD:
1/ SCSS (60+ only): 8.2%, the safest, & tax benefit under 80C.
2/ POMIS: 7.4%, paid monthly, max βΉ9L (βΉ15L joint).
3/ Senior Citizen FD in small finance bank: up to ~8%, insured only till βΉ5L.
4/ RBI Floating Rate Bonds: ~8.05%, fully government-backed.
5/ Mutual Fund SWP: returns aren't fixed, but only your profit is taxed, not the full withdrawal.
And profits up to βΉ1.25L/year are tax-free.
6/ Annuity plan: gives you income for life, but it's rigid & fully taxed.
So no single one wins.
Smart move is to mix them: SCSS for safety, SWP to beat inflation.
Which would you choose?
β€οΈ Govt schemes/FD
π MF SWP
π Mix of both
Cement Stocks Return Check: Who Built Wealth & Who Cracked? π
1- Ambuja Cements Ltd
1 Year Return -26.5%
3 Year Return -0.13%
5 Year Return +4.51%
2- J K Cement Ltd
1 Year Return -13.5%
3 Year Return + 16.3%
5 Year Return +13.3%
3- ACC Ltd
1 Year Return -30.4%
3 Year Return -9.75%
5 Year Return -7.75%
4- UltraTech Cement Ltd
1 Year Return -6.26%
3 Year Return +11.0%
5 Year Return +11.1%
Top 10 SIP Stocks for Long term investment!
1. BSE
2. DivisLab
3. ABSLAMC
4. APOLLOTYRE
5. LAURUSLABS
6. VEDL
7. Varun Beverage
8. Reliance Ind
9. AIRTEL
10. HAL
Nippon Midcap Fund Portfolio: Which Stocks Created Wealth?
GE Vernova T&D β 111.10%
Bharat Forge β 67.00%
The Federal Bank β 53.66%
Bharat Heavy Electricals β 52.17%
BSE β 38.84%
Indian Bank β 30.08%
AU Small Finance Bank β 27.16%
Ashok Leyland β 25.70%
Fortis Healthcare β 21.95%
Varun Beverages β 8.23%
Big Block Deal Buying Spotted on 25th June
Fresh institutional buying was seen in these stocks:
Bansal Wire Industries
Bought by: Invesco MF, BNP Paribas, HDFC MF, Malabar India Fund
Emcure Pharmaceuticals
Bought by: HDFC Life, Aditya Birla Sun Life MF, Axis MF, Morgan Stanley, BNP Paribas
Global Health
Bought by: HDFC Mutual Fund
Lodha Developers
Bought by: Fidelity funds and global institutional investors
A few big names are clearly attracting institutional interest.
π§ Liquidity + Order Flow = Smart Money Edge! π
Follow the liquidity.
Read the order flow.
Trade with institutions, not emotions. π
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π¨ Gold Crash Incoming? π
Is history repeating itself? π
Will Gold really fall to $3,500?
Watch this video before making your next investment decision! π₯
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