समृद्धि की पाठशाला

  Should you invest in SBI Multicap Fund NFO SBI mutual fund will shortly be in launching a New Fund Offer (NFO) for a multicap equity fund, SBI Multicap Equity Fund. The NFO launches on February 14 and closes on February 28, 2022 What are Multicap Funds? Multicap mutual funds  are diversified equity mutual fund schemes which invest across market cap segments i.e. LARGE CAP, MID CAP and SMALL CAP. Multicap funds are mix of above three caps. Multicap Funds are new concept , earlier there used to be   individual cap funds like Large Cap funds, or Mid cap Funds or Small Cap funds , but now SEBI has approved a new category of Fund called Multicap fund which is a mix of all three caps.   As per SEBI’s circular in September 2020, multicap funds must invest at least 25% of their assets in large cap stocks, at least 25% in midcap stocks and at least 25% in small cap stocks. Investors should note that multicap funds will have minimum 50% exposure to midcaps and small ca...

  How to get Rs. 1,30,000 (Rs. 1.30 Lakh )   monthly pension from NPS corpus ?? Assume you or your spouse are 35 years old and wish to get a monthly pension of Rs   1.30 Lakh or   Rs.50,000 after reaching the age of 60. In this case, you will have to deposit Rs 15,000 in this scheme on a monthly basis. You must put this money aside until you reach the age of 60. In this manner, you will have to deposit Rs 45 lakh in this scheme over a period of 25 years. Your maturity amount will be roughly Rs 2 crore when you reach the age of 60. With Rs. 2 crore in hand   @ age of 60,   you have 2 options : 1.      Invest full amount in purchase of Annuity , in that case you can get Rs. 1 Lakh per month life time as pension assuming 6% annuity purchase rate. 2.      Take back   60 percent of this , or around Rs 1.20 crore, in a single sum called commuted pension which is Tax Free, (and invest in Mutual Fund with SWP of ...

  How to make your wife rich and self reliant ?? Your wife would get Rs 45,000 every month as pension and a lumpsum of around   Rs. 60 Lakh for as little investment as Rs. 5000 pm. If you want your wife to become self-reliant so that in your absence there is a regular income in the house and in future, your wife does not depend on anyone for money, then you can arrange regular income for her today. For this you should invest in National Pension Scheme. Open new pension system account in the name of wife:  You can open a New Pension System (NPS) account in the name of your wife. The NPS account will give a lump sum amount to your wife on attaining the age of 60 years. Along with this, they will also have regular income in the form of pension every month. Not only this, with NPS account you can also decide how much pension your wife will get every month. With this, your wife will not depend on anyone for money after the age of 60. Let us know ...

  What is Digital Currency &  Blockchain ???   In the Budget speech Finance Minister Nirmala Sitaraman has mentioned about introduction of Digital Currency using the Blockchain.   Now every one wondering what is Digital Currency and Blockchain .   What is Digital Currency   Digital money   ( or digital currency) refers to any means of payment that exists in a purely electronic form. ... Digital money is exchanged using technologies such as smartphones, credit cards, UPI and online cryptocurrency exchanges.   What is Blockchain..   The Blockchain is a software protocol (like SMTP is for email). On which Digital Currency (and other transactions ) will run . It is comprised of several pieces: a database, software application, Internet , some connected computers, etc.   Blockchain is a system of recording information in a way  that makes it difficult or impossible to change, hack, or cheat the system. A blockchai...