In Budget 2020, the government has increased its allocation to the Agriculture sector by 28.1% as compared to the revised FY20 estimates. Allocations to Rural development and transportation have gone up 1% and 7.2%, respectively. If all these factors translate into higher rural demand, some FMCG companies will gain an edge over others.
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By the time we have crossed the 50-year threshold and are left with limited years of earning, we are almost done repaying our existing loans. Retirement planning thus never comes into the equation and we are left with no choice but to depend on others during the most vulnerable years of our lives.
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Exercising patience in financial decisions can make the difference between successful outcomes and ones that you will regret for a long time to come…
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It’s high time conservative investors get real about risks involved in investing in corporate debt.
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Now, everything is loaded in favour of equity. Dividends are tax-free; capital gains tax is lower (was NIL till last year for Long term). Interest rates are down on fixed deposits to 8-9% pa. Bank FD rates are down to sub 7% pa levels. The returns on equity remain in the band of 15-17% pa over the long tenure.
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With this strategy, you do not have to time the market to benefit from it. All it takes is discipline to invest a small amount once a month over the long term.
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