OFS Reserved For Ordinary Investors

The share of public sector involvement in the sale of ordinary investors have agreed. Especially in these companies to be sold through auctions of equity investors in the retail part of the reserve is to be considered. About capital market regulator Sebi and the Finance Ministry to reserve five per cent is broadly agreed.

Government disinvestment in hopes of better prices offered for sale in several previous cases [Ofs] have adopted the path. 35 PSU disinvestment and 43 thousand crore through this route has been obtained. The investors bid for shares. And a large share of institutional investors in the process of disinvestment more. So, retail investors can not compete with them in terms of the bid. The price at which large institutional investors and retail investors bid bid against him is weak. Therefore, the participation of retail investors in the issue is extremely limited.

Sources in the PSU disinvestment of five per cent of the total equity for retail investors might decide to keep the book. Generally, public issue [IPO and FPO] 35 per cent for retail investors are retained. But there is no such system in Ofs. Retail investors are allowed to invest Rs two lakh such proposals. But 25 per cent for mutual funds and insurance companies are retained. In this case the decision is not yet final. Soon Sebi board will consider this issue and will issue the necessary guidelines.

What is Financial Planning and How Financial Planning is Calculate.

Happy to make the best efforts are not enough but it will have to be meaningful to us.

Recently we read in the papers for the March 31 tax savings of investors, those who file tax returns, tax collectors were engaged in long rows.

How Financial Planning

1. Set goals to financial nature: in every person's life there are many different goals such as children's education - married, buy a car, buy a house, retirement, etc.. With inflation taking us to determine the amount you should take in the future.

Increase Savings:

Put down on unnecessary expenses: expenses incurred on account of their different reckoning Review Place and Time item in which expenses can be reduced.

Reduce the burden of loan: a loan to us, which do not contribute to our net, should plan to repay immediately.

Do not fade. So we at the beginning of the year tax planning should start investing in the proper tools.

Risk Management:

Assess Potential Risk: Our life is surrounded by uncertainties, which may occur in the future are obstacles in achieving our goals. So let future should assess all such potential risk.

Get adequate insurance cover: insurance risk transfer is the process by which we can transfer financial risk by paying the premium and the insurance company can secure your future. Whether it be life insurance or health insurance, most of us are housed individuals who take this insurance, are not enough to cover them. The main reason that we seek returns in insurance and risk tend to under-estimate. Therefore requires that adequate life insurance and term plans aimed at increasing medical Cast ensure adequate health insurance.

Emergency fund: Every person's life remain uncertain events occur, Willingly we do not include them in your financial planning. We are 4 to 6 months, monthly expenses, loan - EMI, the annual insurance premium equal to the emergency fund should be made ready.

6.mentally healthy person over the age of possession of the property / life insurance policy, the will must necessarily write.

So let your financial planning should take advantage of the services of the Certified Financial Planner.can make your life richer and happier.

First salary,How to Spend it Or save it

College education and a few months later, some people need to be sitting so many years. Such people often recognize vain for mercy view. The first job and first salary. Wow .. With salary visiting day you start making plans to spend it. But just wait, you may wind up your salary because of Miss Management. The salary savings from your first job to learn a few tricks, you can further improve your life significantly.

Right strategy needed

There are many ways people spend their first salary. In fact, most people thought the salary costs - based on emotions rather than the effort to do. So to those who are first-time job, he's our only advice before spending a good salary - offers little planning.

Make Your Budget

Find an idea of ​​eating - drinking, room rent, mobile recharge, etc. How much is spent on large items. Similarly, entertainment, loan repayment, clothes, books, etc., you will realize the cost of shopping. You will be able to ensure that on the whole month salary.

EMI and Insurance

On receiving the salary of a life insurance policy and health policy a try. Get lower premiums on the policy at a young age, so it is better to take up insurance cover. Term life insurance policy to cover is considered advisable. The money every month by the due date will be automatically captured.

Tax Saving and Investing

With the salary savings or investments for the further planning and tax saving should also. Who are young, they are more risk appetite, so much a part of their portfolio invested in stocks as it can be. But investing in the stock market is risky, so you should start with mutual funds. If you or someone Rajiv Gandhi ELSS of mutual funds that invest in equity plan, it will save on your taxes.

Look The Point

- If you are certain of their expenses as income Plan manner.






- Your salary limit, so your foot is equally keep under sheet as long as possible.

- In the first week of the month they can not pay the full salary for free may not be a problem.