PS Consulting and Training

PS Consulting and Training We are a Investment Consulting firm providing advisory services to individuals on investments, Tax saving. Also provide financial guidance to SMEs

I am starting a series of compilation on Stock Market Terms- Part 1.💱🚩This series is meant to be a tool for you to under...
29/04/2023

I am starting a series of compilation on Stock Market Terms- Part 1.💱

🚩This series is meant to be a tool for you to understand the stock market better and take informed decisions for your investment journey.

🚩The series will be compiled alphabetically for you.🔤

🚩Todays series is compiled for alphabets A,B,C,D

🚩Save the post if you found it useful

🚩And remember to follow me for the REMAINING SERIES which I will share every WEEK.

🚩Do comment if you find it useful and share to your network.

Want to enjoy the benefits of DOUBLE DIGIT returns from the Stock Markets and SAVE TAXES? 🌟💰💰💰⏩The last date to save tax...
16/03/2023

Want to enjoy the benefits of DOUBLE DIGIT returns from the Stock Markets and SAVE TAXES? 🌟💰💰💰

⏩The last date to save taxes for the year 2022-23 is round the corner on 31.3.2023

⏩And most importantly, Nifty and Sensex are at their 5 month low, below the 17000 mark, amid selling due to the global bank crisis and rate hike fears. 🙄

It is the best time for
♦️picking up your favourite SHARES at a bargain or
♦️For investing in Equity Mutual Funds

And since it is the Tax Saving season ,
♦️it is also the best time to pick up an ELSS Fund if you have not yet saved for this financial year 2022-23

⏩Important points to note regarding Equity Linked Saving Schemes

♦️Deduction upto overall investment limit of Rs 1.5 lakhs under Section 80C
♦️Lock in period of 3 years and cannot be sold before lock-in.
♦️SIPs and lump sum investments are allowed.
♦️Potential to offer the highest returns among all 80C options
♦️Twin benefit of wealth creation and tax benefits

I have selected a few top rated ELSS funds from among those available

They have been selected on the basis of

🟢Consistency of performance over 2 year, 3 year and 5 year period
🟢Quality of stocks in the portfolio
🟢Expense Ratio
🟢Volatility in returns vs Category Average

Take advantage of the Sensex lows to build your portfolio. 😇

As WARREN BUFFETT quotes
"Be fearful when others are greedy and greedy when others are fearful"

Do comment if you found it useful.

Disclaimer: This is only for educational purposes. Please consult with your advisor before investing.

Life insurance is an important financial product, but it is also the most missold and the least understood investment. R...
10/03/2023

Life insurance is an important financial product, but it is also the most missold and the least understood investment. Read this before you commit yourself to long term payments. 🤔

♦️Data indicates that nearly 3 of every 10 policies issued are not renewed after the first year. 😮

♦️If a traditional policy is closed before 3 years, the entire premium paid is lost.

♦️Even after 3 years, the policyholder ends up paying surrender charges and gets back barely 30-35% of what he paid.

♦️Though mis-selling is rampant, the buyer too must be aware before getting into the agreement.

Hence before getting into this long term agreement, answer these questions and then commit yourself.🎯

♦️Insurance is best used as a tool for PROTECTION of future earnings rather than as a tool for reaching FINANCIAL GOALS. 💰💰💰

Want to benefit from Rising INFLATION and INTEREST RATES? Then invest in the Bond Market. 💰💹♦️Since interest rates have ...
25/02/2023

Want to benefit from Rising INFLATION and INTEREST RATES? Then invest in the Bond Market. 💰💹

♦️Since interest rates have reached a peak, bonds issued earlier are available at a discount and hence will give you higher yield to maturity. 💰💰💰

♦️Also the new bonds are giving attractive interest rates.

♦️It is a good opportunity to lock in the higher yields and also adding a stability to your portfolio 💱💲

But before that invest in some knowledge as to what you should check before investing.

🟢Corporate bond funds invest in corporate debenture and bonds of medium to long-term tenure. So, look at it as a long-term investment vehicle

🟢Check portfolio and return consistency before investing

🟢It is better to stick to the offerings of large AMCs, preferably, the top five funds to lower the credit risk.

🟢Hold it for more than 3 years to get benefits of Indexation and pay LOWER TAX on the interest vs normal Fixed Deposits

I have selected a few funds for you based on the above criteria.

Do mention in the comments if you found the post useful.

Disclaimer. This post is for educational purposes only. Do you research before investing in them

Want to know the Multibagger SECTORS of the future? Then just take a look at where the Government is spending money. 💰💰💰...
11/02/2023

Want to know the Multibagger SECTORS of the future? Then just take a look at where the Government is spending money. 💰💰💰🇮🇳

Government expenditure is one of the most important factors for economic growth. 🇮🇳

The sectors where government spending is high is most likely to grow. Hence investment in companies in these sectors will give you handsome gains🎯💰💰💰

I have listed the most important
🔶sectors for investment and
🔶the companies in those sectors which will witness growth

Which sector due you think will grow most?
In my opinion it is Infrastructure.

What is your opinion?


How do you check whether the Shares you are buying is worth your money and time? ⏳💰It is done with the help of the follo...
31/01/2023

How do you check whether the Shares you are buying is worth your money and time? ⏳💰

It is done with the help of the following RATIOS which I also use regularly. 🤔

These ratios show the following
♦️Profitability and Earnings Growth
♦️Promoters interest in the company
♦️Liquidity and Cash Flow position

These ratios are nowadays calculated by various online stock screening websites like
🔶TickerTape
🔶Screener
🔶Investing. com

Check out the ratios on these sites and add them to your list before investing.🎯

Also mention any other parameter to check before investing👨‍⚖️

Want to pay LOWER TAX on your Interest Income? 💱💰Then consider investment in Long Term Debt MFs with a time horizon of 3...
18/01/2023

Want to pay LOWER TAX on your Interest Income? 💱💰

Then consider investment in Long Term Debt MFs with a time horizon of 3 to 5 years. 💰💰

▶️In this case after 3 years your Investment will be categorised as a Long Term Asset and

▶️will be eligible for Indexation Benefits under Income Tax Act.

▶️This benefit is exclusively given for long term assets for adjustment towards inflation

▶️Moreover tax is payable only @ 20% on the excess.

🔶This benefit is not available for Investment in Fixed Deposits where the entire interest is taxable as per your slab rate.

For eg.
⏩You invested Rs 1,00,000 in 2019-20. @ 8% p.a for 3 years.
⏩If you redeem this investment in 2022-23 the cost price will be considered as 1,00,000 * 331/301 which will be Rs 1,09,967 due to indexation
⏩Total Redemption proceeds will be Rs 1,25,971.
⏩Hence your gain will be only Rs 16,004 (Rs 1,25,971 less Rs 1,09,997)
⏩Tax is payable only on Rs 16,004 and not on Rs 25,971. 💰💰💰

▶️You can save on taxes by Investing in Long Term Debt Funds for a period of 3 to 5 years.

▶️However make sure that you choose the Growth Option and not the Dividend Option.

🟢I have listed the different categories of Long Term Debt Funds for Investment

🟢Along with the name of the Best Performer.

Do you know your FIRE Number? What is FIRE in the first place?FIRE was first mentioned in 1992 in the book “Your Money o...
14/01/2023

Do you know your FIRE Number? What is FIRE in the first place?

FIRE was first mentioned in 1992 in the book “Your Money or Your Life” by Vicki Robin and Joe Dominguez.

FIRE stands for FINANCIAL INDEPENDENCE RETIRE EARLY.

The book speaks about learning to be happy with less and accumulating wealth.

According to FIRE, your target retirement number is known as the FIRE number.

This number is unique based on
🔶You and your lifestyle goals,
🔶You can calculate it is a simple way
🔶 To set you on your path to Financial Freedom

It considers the following
⏩Yearly expenses
⏩ Inflation rate. (Multiply yearly expenses with 1.075 to the power of, your years left to retirement)
⏩ It assumes that post retirement you will be withdrawing 4% of your corpus every year

So go ahead and calculate your FIRE number and mention in the comments.

In a World of Me Too businesses, is there any company which has built a CASTLE with a DEEP MOAT?💰💰💰Warren Buffet always ...
13/01/2023

In a World of Me Too businesses, is there any company which has built a CASTLE with a DEEP MOAT?💰💰💰

Warren Buffet always expressed his love for these Moat stocks. 🙂🎯

In his words

“The most important thing [is] trying to find a business with a wide and long-lasting moat around it … protecting a terrific economic castle with an honest lord in charge of the castle,”

🔶I have listed some of the MOAT companies of India and the ECONOMIC MOAT they have built.

🔶This creates a competitive advantage for them and they perform well.

🔶They dared to do something FIRST, when no one else ventured to do.

🔶They built a MOAT around them, so deep and wide surrounding their castle that no competition could breach it. 🌊

That is why they are the LEADERs of today. 🏆

Before choosing a company for investment try to find what makes the company stand out among the crowd.

That way it will be protected from even tough competition.

There are many other companies with strong MOAT.

Can you list the other companies also in the comments?

Disclaimer. This post is for educational purposes. Please connect with your Investment Advisor before investing

Fully confused as to what shares to pick or have you lost money even after you thought you made the correct choice of sh...
10/01/2023

Fully confused as to what shares to pick or have you lost money even after you thought you made the correct choice of shares?🤔

Pat Dorsey, the Director of Equity Research for Morningstar, in his book 5 RULES of SUCCESSFUL stock investing says that
🔶if you do your homework,
🔶stay patient, and
🔶insulate yourself from popular opinion,

you are likely to do well.

🟢These Rules are golden rules which have to be followed with DISCIPLINE for success in the stock market.

🟢All long term investors have succeeded following these Rules.

Check out the post for details and

Comment if you can think of other Rules which you can add.

⏩Your INVESTMENT needs a DIRECTION and PURPOSE. 💰Don't just leave it to the END of the MONTH or END of the TAX SAVING SE...
04/01/2023

⏩Your INVESTMENT needs a DIRECTION and PURPOSE. 💰
Don't just leave it to the END of the MONTH or END of the TAX SAVING SEASON or END of the YEAR. 👎

I have listed some money goals for 2023 which can help you save more, invest more and also manage money smartly. 🎯

➡️Putting off Financial Goal Setting will also make your Investments
🔶Lackluster with
🔶Lower Returns and
🔶Lower corpus

➡️Goal Setting for Financial Goals
🟢Gives purpose
🟢Lends discipline
🟢Keeps you on course

I have listed some goals for you. 💰💰💰

Can you think of some other? Please add to the list.

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