Finance knowledge Technology

2022-09-17 11:12:21 Ever wondered how the panama canal works
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2021-08-18 06:30:00 The following are the important points you should consider before investing in an Initial Public Offer

Higher promoter stake is always preferable as it tells us about the sense of responsibility and preferably the promoter will try to take the company to new heights.

Look for the issue size of the IPO. Bigger the issue size, higher is the promoter's capability.

conduct a background check on promoter's capabilities.

Look for the projects in the pipeline and also its size as it will tell us about company's scalability going forward.

Lastly, in case of big companies, do not involve in speculative gains but focus on long-term wealth creation.

Read DRHP
Key points to look in Drhp
. Issue Summary
. pre IPO placement
. Objective of the Issue
. Company Background & Business Profile
. Business Promoters & Management
. Concerns & Risk Factors
. Financial Statements

There are both pros and cons associated with an Initial Public Offer. Hence, before you invest in an IPO, it's always preferable to devote a lot of time into research since it will provide you with valuable insight both about the company and the people managing the same.



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2021-08-18 06:30:00 #IPO
How to decide that which IPO to opt for? ओपन / कमेंट

2021-08-17 11:30:00 #TVM

Application of time value of money in the Financial World

There are a number of applications of time value of money in the real world and we often use it in our day to day life

Some of the common ones are stated below

Bond value calculation

Its a very useful tool in bond value calculation

Say a bond fetches an interest of 10% and will pay Rs 1,00,000 after it expires in 5 years

You can simply calculate the present value of all those future cash flows (including coupon payment and principal amount) to compare it with the sums you pat today to judge, whether investment in bonds really makes sense or not


EMI Calculation

You can use TVM to compute your EMI payments and also the amount which you finally pay along with the interest.


Determining House Loan

It helps in determining the amount of down payment and amount to be financed in case of taking loan amount.

Apart from this it is used in case of credit card calculations, mortages etc.

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2021-08-17 06:30:00 #investing #bonds

Bond basics

"A bond is a debt instrument in which an investor loans money to an entity (mostly corporate or government) who borrows the money for a certain period of time at a fixed or variable rate of interest."

Terms related to bond

Coupon
It is the annual coupon payments paid by the issuer relative to the bond's face or par value.

Current yield
It is the rate of return on your bond investment.

Yield to maturity
YTM is the total return anticipated on a bond if the bond is held until its maturity.

Accrued interest
It is the unpaid interest between
the previous coupon payment date
and the date of purchase.

Clean price
It is the price of a coupon bond that does not include any accrued interest.

Dirty price
It is the price of a coupon bond which includes the accrued interest.

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2021-08-16 18:30:02 Identify goals and risk
•This is the first step in selecting the best mutual funds. An investor first needs to identify the ultimate goal that he/she is investing for. For eg., whether it is for his/her child's education or marriage etc. Also, he/she needs to assess his/her risk horizon.

Types of need & fund
•Selection of best mutual fund also depends on the time frame of your need. For eg., if you want to invest for a long period of time, a long term capital appreciation fund may be a good choice. If the need is for short period, an income fund could be chosen.

Charges
•Mutual fund companies charge money for their services. So it is very important to understand the fee structure of the mutual fund company that you are planning to take services from.

Know the fund manager
•Fund managers play the most important role in investing in mutual funds. So, it is very critical to know the past performance of the fund manager, what type of mutual fund schemes does he invest in and has he delivered results that were consistent with the market.



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2021-08-16 18:30:01 #investing
Selecting the best Mutual Fund ओपन / कमेंट

2021-08-15 10:30:00 #Technology

In 5 years, FACEBOOK WON'T BE A SOCIAL MEDIA COMPANY

Mark Zuckerberg in an interview said that, in 5 years, Facebook won't be a social media company. It will be something completely different

It will be a metaverse company

Metaverse is the sexiest concept in tech right now it's even sexier than Machine Learning and Artificial Intelligence

Basically, metaverse means the "digital world". Like, the digital equivalent of the physical world

You'll have digital schools, digital parks, digital concerts, digital influencers, digital avatars-essentially, a digital life

Platforms like Fortnite and Roblox have already achieved partial metaverse- you can play games, you can attend concerts by Travis Scott and Marshmello, and much more!

Facebook is also investing a lot in the metaverse. They are building a VR headset through which you can "enter" the metaverse.

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2021-08-15 08:13:47 HAPPY INDEPENDENCE DAY
Let there be freedom in your mind and body, faith in your wards and pride in your soul. Let's salute our nation. ओपन / कमेंट

2021-08-14 18:25:30 https://www.elearnmarkets.com/blog/banking-stock-analysis/

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