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Why Gold is Must...

Gold is the base of monetary systems all around the world. Gold is an asset that’s highly liquid. It is accepted everywhere and considered equivalent to cash for ages. It’s also one of the lesser volatile commodities traded internationally.Gold is very effective in bringing solidity into your portfolio and reduces investment risk big way. In terms of returns, it might not bring you very short term profits. Gold gains in value over a period of time. So you will have to wait for some time (say 5-10 years or sometimes more than that) to see the real effect of gains.
Gold as investment will never fail you. It will always be shining.

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Valuation of Shares

• Whether you do simple valuation process or very complicated methods, remember that value is a relative measure. What you’re trying to find is a bargain. Opportunity to buy shares at a bargain generally arises when something is out of favor.
• Always look for moderately undervalued shares rather than trying to find out grossly undervalued shares. If a share is grossly undervalued, it means that there is something terribly wrong with that company.
• You should be able to justify why you bought a share and before buying, make sure you know what would make you sell the stock.
• Never compare your decisions with others. If you are ready to buy a stock at a particular rate for a reason, there’s someone equally ready to sell that stock for some other reason. So, it’s natural; for others to think contrary to your views.

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Interest Rate

Interest Rate in simple words means the cost of borrowing funds. It is the payment we make to the lender for the facility of using his money for our own purpose. Many times our spending decisions are also guided by the interest burden that we would be bearing.

But, more than the returns we should be concentrating on real returns on our savings (real return = interest rate- inflation). Even as consumers, interest rate is an integral part of our spending habit as we borrow from the bank for buying house, cars, house old items etc. For the business community interest rate is also very important as they borrow money from bank for investment activities like capacity expansion, setting up of plants, acquisitions, modernization etc. So interest rates play a critical role in a business’s profitability and hence, on stock prices.

How many of us would invest in stock markets if our bank would pay 12% interest in fixed deposits? Many of us will prefer to deposit money in that bank than invest in stocks (as well as mutual funds). Why? Because, we have the opportunity to earn higher returns at very low risk. As a result, funds move out of stock market affecting the stock markets adversely.

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Franklin Templeton MF declares dividend

Franklin Templeton Mutual Fund has announced dividend under the following schemes. The record date for declaration of dividend is September 27, 2013.

Templeton India Income Fund - Dividend Plan & Direct - Dividend option: Individuals & HUF: 0.13,1 Others: 0.111
Templeton India Income Builder Account - Plan A & B - Quarterly Dividend Option & Plan A - Direct - Quarterly Dividend Option: Individuals & HUF: 0.175, Others: 0.149
Templeton India Income Builder Account - Plan A & B - Half Yearly Dividend Option & Plan A - Direct - Half yearly Dividend Option: Individuals & HUF: 0.306, Others: 0.261
Templeton India Government Securities Fund - Composite Plan - Dividend Plan & Direct - Dividend Option: Individuals & HUF: 0.043, Others: 0.037
Templeton India Government Securities Fund - Long Term Plan - Dividend Plan & Direct - Dividend Option: Individuals & HUF: 0.043, Others: 0.037
Templeton India Government Securities Fund - Treasury Plan - Dividend Plan & Direct - Dividend Option: Individuals & HUF: 0.052, Others: 0.044
Templeton India Short Term Income Plan - Retail Plan - Quarterly Dividend Option & Direct Plan - Quarterly Dividend Option: Individuals & HUF: 17.518, Others: 14.926
Templeton Floating Rate Income Fund - Retail Plan - Dividend Option & Direct -Dividend Option: Individuals & HUF: 0.175, Others: 0.149
Templeton India Low Duration Fund - Retail Plan - Quarterly Dividend Plan & Direct - Quarterly Dividend Option: Individuals & HUF: 0.153, Others: 0.130
FT India Monthly Income Plan-Plan A & B - Quarterly Dividend Option & Plan A - Direct - Quarterly Dividend Option: Individuals & HUF: 0.131, Others: 0.111
FT India Life Stage Fund of Funds - 50s Plus Plan - Dividend Plan & 50s Plus Plan - Direct - dividend Option: Individuals & HUF: 0.131, Others: 0.111
FT India Life Stage Fund of Funds - 50s Plus Floating Rate Plan - Dividend Plan & 50s Plus Floating Rate Plan - Direct - dividend Option: Individuals & HUF: 0.131, Others: 0.111

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Wealth of Beauty

100% FDI in telecom

Government has approved 100 per cent foreign direct investment (FDI) in the telecom sector on August 01, 2013. It has been decided to increase FDI cap in telecom to 100 per cent from 74, up to 49 through automatic route and beyond that FIPB.

The idea behind increasing the FDI limit in the telecom sector is to help the industry get fresh funds to lower financial burden. The moves brings relief for foreign partners in telecom companies as they can have complete ownership of the business. "Foreign investors will no longer need to partner with Indian investors in order to comply with regulatory requirements".
Industry analysts believe 100 percent FDI in the telecom sector can attract investment of USD 10 billion in near to long term.

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