Monday, June 29, 2020

Wednesday, June 10, 2020

Dont invest in Share market or in Mutual Funds



Dont invest in Share market or in Mutual Funds ๐›๐ž๐œ๐š๐ฎ๐ฌ๐ž

1982 - ๐–๐จ๐ซ๐ฌ๐ญ ๐ซ๐ž๐œ๐ž๐ฌ๐ฌ๐ข๐จ๐ง ๐ข๐ง 40 ๐ฒ๐ž๐š๐ซ๐ฌ, ๐๐ž๐›๐ญ ๐œ๐ซ๐ข๐ฌ๐ข๐ฌ.
1983 - ๐Œ๐š๐ซ๐ค๐ž๐ญ ๐ก๐ข๐ญ๐ฌ ๐ซ๐ž๐œ๐จ๐ซ๐ - "๐Œ๐š๐ซ๐ค๐ž๐ญ ๐ญ๐จ๐จ ๐ก๐ข๐ ๐ก".
1984 - ๐‘๐ž๐œ๐จ๐ซ๐ ๐”.๐’. ๐…๐ž๐๐ž๐ซ๐š๐ฅ ๐๐ž๐Ÿ๐ข๐œ๐ข๐ญ๐ฌ.
1985 - ๐„๐œ๐จ๐ง๐จ๐ฆ๐ข๐œ ๐ ๐ซ๐จ๐ฐ๐ญ๐ก ๐ฌ๐ฅ๐จ๐ฐ๐ฌ.
1986 - ๐ƒ๐จ๐ฐ ๐ง๐ž๐š๐ซ๐ฌ 2000 - "๐Œ๐š๐ซ๐ค๐ž๐ญ ๐ญ๐จ๐จ ๐ก๐ข๐ ๐ก"
1987 - ๐“๐ก๐ž ๐‚๐ซ๐š๐ฌ๐ก -๐๐ฅ๐š๐œ๐ค ๐Œ๐จ๐ง๐๐š๐ฒ.
1988 - ๐…๐ž๐š๐ซ ๐จ๐Ÿ ๐‘๐ž๐œ๐ž๐ฌ๐ฌ๐ข๐จ๐ง.
1989 - ๐‰๐ฎ๐ง๐ค ๐๐จ๐ง๐ ๐œ๐จ๐ฅ๐ฅ๐š๐ฉ๐ฌ๐ž.
1990 - ๐†๐ฎ๐ฅ๐Ÿ ๐–๐š๐ซ, ๐ฐ๐จ๐ซ๐ฌ๐ญ ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐๐ž๐œ๐ฅ๐ข๐ง๐ž ๐ข๐ง 16 ๐ฒ๐ž๐š๐ซ๐ฌ.
1991 - ๐‘๐ž๐œ๐ž๐ฌ๐ฌ๐ข๐จ๐ง - "๐Œ๐š๐ซ๐ค๐ž๐ญ ๐ญ๐จ๐จ ๐ก๐ข๐ ๐ก"
1992 - ๐„๐ฅ๐ž๐œ๐ญ๐ข๐จ๐ง๐ฌ, ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐Ÿ๐ฅ๐š๐ญ.
1993 - ๐๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ๐ž๐ฌ ๐œ๐จ๐ง๐ญ๐ข๐ง๐ฎ๐ž ๐ซ๐ž๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐ข๐ง๐ .
1994 - ๐ˆ๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž๐ฌ ๐š๐ซ๐ž ๐ ๐จ๐ข๐ง๐  ๐ฎ๐ฉ.
1995 - ๐“๐ก๐ž ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐ข๐ฌ ๐ญ๐จ๐จ ๐ก๐ข๐ ๐ก.
1996 - ๐…๐ž๐š๐ซ ๐จ๐Ÿ ๐ˆ๐ง๐Ÿ๐ฅ๐š๐ญ๐ข๐จ๐ง.
1997 - ๐ˆ๐ซ๐ซ๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐„๐ฑ๐ฎ๐›๐ž๐ซ๐š๐ง๐œ๐ž.
1998 - ๐€๐ฌ๐ข๐š ๐‚๐ซ๐ข๐ฌ๐ข๐ฌ.
1999 - ๐˜2๐Š.
2000 - ๐“๐ž๐œ๐ก๐ง๐จ๐ฅ๐จ๐ ๐ฒ ๐‚๐จ๐ซ๐ซ๐ž๐œ๐ญ๐ข๐จ๐ง.
2001 - ๐‘๐ž๐œ๐ž๐ฌ๐ฌ๐ข๐จ๐ง, ๐–๐จ๐ซ๐ฅ๐ ๐“๐ซ๐š๐๐ž ๐‚๐ž๐ง๐ญ๐ž๐ซ ๐€๐ญ๐ญ๐š๐œ๐ค.
2002 - ๐‚๐จ๐ซ๐ฉ๐จ๐ซ๐š๐ญ๐ž ๐€๐œ๐œ๐จ๐ฎ๐ง๐ญ๐ข๐ง๐  ๐’๐œ๐š๐ง๐๐š๐ฅ๐ฌ.
2003 - ๐–๐š๐ซ ๐ข๐ง ๐ˆ๐ซ๐š๐ช.
2004 - ๐”.๐’. ๐ก๐š๐ฌ ๐ฆ๐š๐ฌ๐ฌ๐ข๐ฏ๐ž ๐ญ๐ซ๐š๐๐ž & ๐›๐ฎ๐๐ ๐ž๐ญ ๐๐ž๐Ÿ๐ข๐œ๐ข๐ญ๐ฌ.
2005 - ๐‘๐ž๐œ๐จ๐ซ๐ ๐จ๐ข๐ฅ & ๐ ๐š๐ฌ ๐ฉ๐ซ๐ข๐œ๐ž๐ฌ.
2006 - ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐›๐ฎ๐›๐›๐ฅ๐ž ๐›๐ฎ๐ซ๐ฌ๐ญ๐ฌ.
2007 - ๐’๐ฎ๐›-๐ฉ๐ซ๐ข๐ฆ๐ž ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐œ๐ซ๐ข๐ฌ๐ข๐ฌ.
2008 - ๐๐š๐ง๐ค๐ข๐ง๐  & ๐‚๐ซ๐ž๐๐ข๐ญ ๐œ๐ซ๐ข๐ฌ๐ข๐ฌ.
2009 - ๐‘๐ž๐œ๐ž๐ฌ๐ฌ๐ข๐จ๐ง - "๐‚๐ซ๐ž๐๐ข๐ญ ๐‚๐ซ๐ฎ๐ง๐œ๐ก"
2010 - ๐’๐จ๐ฏ๐ž๐ซ๐ž๐ข๐ ๐ง ๐๐ž๐›๐ญ ๐œ๐ซ๐ข๐ฌ๐ข๐ฌ.
2011 - ๐„๐ฎ๐ซ๐จ๐ณ๐จ๐ง๐ž ๐œ๐ซ๐ข๐ฌ๐ข๐ฌ.
2012 - ๐”.๐’. ๐Ÿ๐ข๐ฌ๐œ๐š๐ฅ ๐œ๐ฅ๐ข๐Ÿ๐Ÿ.
2013 - ๐…๐ž๐๐ž๐ซ๐š๐ฅ ๐‘๐ž๐ฌ๐ž๐ซ๐ฏ๐ž ๐ญ๐จ "๐ญ๐š๐ฉ๐ž๐ซ" ๐ฌ๐ญ๐ข๐ฆ๐ฎ๐ฅ๐ฎ๐ฌ.
2014 - ๐Ž๐ข๐ฅ ๐ฉ๐ซ๐ข๐œ๐ž๐ฌ ๐ฉ๐ฅ๐ฎ๐ง๐ ๐ž.
2015 - ๐‚๐ก๐ข๐ง๐ž๐ฌ๐ž ๐ฌ๐ญ๐จ๐œ๐ค ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐ฌ๐ž๐ฅ๐ฅ-๐จ๐Ÿ๐Ÿ.
2016 - ๐๐ซ๐ž๐ฑ๐ข๐ญ, ๐”.๐’. ๐ฉ๐ซ๐ž๐ฌ๐ข๐๐ž๐ง๐ญ๐ข๐š๐ฅ ๐ž๐ฅ๐ž๐œ๐ญ๐ข๐จ๐ง.
2017 - ๐’๐ญ๐จ๐œ๐ค๐ฌ ๐š๐ญ ๐ซ๐ž๐œ๐จ๐ซ๐ ๐ก๐ข๐ ๐ก๐ฌ, ๐๐ข๐ญ๐œ๐จ๐ข๐ง ๐ฆ๐š๐ง๐ข๐š.
2018 - ๐“๐ซ๐š๐๐ž ๐–๐š๐ซ๐ฌ, ๐ซ๐ข๐ฌ๐ข๐ง๐  ๐ข๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž๐ฌ.
2019 - ๐ˆ๐ง๐๐ข๐š ๐†๐ƒ๐ ๐š๐ญ 5 %
2020- ๐œ๐จ๐ฏ๐ข๐ 19

๐‡๐ข๐ฌ๐ญ๐จ๐ซ๐ฒ ๐ฌ๐š๐ฒ๐ฌ ๐จ๐ง๐ž ๐ฐ๐ข๐ฅ๐ฅ ๐š๐ฅ๐ฐ๐š๐ฒ๐ฌ ๐Ÿ๐ข๐ง๐ ๐ฐ๐ก๐ฒ ๐ง๐จ๐ญ ๐ญ๐จ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ
๐›๐ฎ๐ญ ๐ง๐จ ๐จ๐ง๐ž ๐œ๐š๐ง ๐ฌ๐ญ๐จ๐ฉ ๐Œ๐ซ ๐Œ๐š๐ซ๐ค๐ž๐ญ ๐ข๐ง ๐ฅ๐จ๐ง๐  ๐ซ๐ฎ๐ง.
๐Œ๐ซ ๐Œ๐š๐ซ๐ค๐ž๐ญ ๐ข๐ฌ ๐š๐›๐จ๐ฏ๐ž ๐š๐ฅ๐ฅ.
๐–๐ž ๐ญ๐ž๐ง๐ ๐ญ๐จ ๐š๐ ๐ซ๐ž๐ž ๐ฆ๐จ๐ซ๐ž ๐จ๐ง ๐š๐ง๐ฒ ๐›๐ž๐š๐ซ๐ข๐ฌ๐ก ๐š๐ซ๐ ๐ฎ๐ฆ๐ž๐ง๐ญ.

*"๐Ž๐ง๐ž ๐œ๐š๐ง ๐œ๐ซ๐ž๐š๐ญ๐ž ๐Œ๐จ๐ง๐ž๐ฒ ๐›๐ฒ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ข๐ง๐  ๐ข๐ง ๐๐ฎ๐ฅ๐ฅ ๐Œ๐š๐ซ๐ค๐ž๐ญ ๐›๐ฎ๐ญ ๐จ๐ง๐ž ๐œ๐š๐ง ๐œ๐ซ๐ž๐š๐ญ๐ž

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Sunday, June 7, 2020

What should be your ideal bank account

Reasons to avoid multiple bank accounts:

Try and stick to two, one for general purpose and another for your savings & investment or a maximum of three (for business purpose) bank accounts. 
Anything beyond that is not advisable. Here are some reasons why
➡You would have to lock-in funds to meet the minimum balance requirement
➡Non-maintenance of minimum balance attracts penalty
➡ You could lose on interest as savings account rates are lower
➡Transactions could become confusing if you have different accounts linked to different transfers or payments
➡Filing tax returns can get cumbersome
➡Managing multiple cards and cheque books may get confusing

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