This week, many events and disclosures would take place which would affect Indian Stock Market deeply. One of them (IIP Data) had been disclosed today already and affected Indian Stock Market sharply , exactly to EquityPandit’s predicted support levels of 4750 for Nifty and 15850 for Sensex like a dot.

Other events and disclosure which would take place this week and would affect Indian Stock Market are as follows:

December 14, 2011 - Inflation Data 
December 15, 2011 - Advance Tax 
December 16, 2011 - RBI Policy

In the mean time we are expecting that Moody’s may downgrade India’s Rating, which will again give a downfall to Indian Market.

In this type of Market, Investors are suggested to stay with cash in hand and traders are suggested not to think of longs as market may even breach the lows of 4650 for Nifty if event and disclosures are lower than expectations.

EP-Basic Package of EquityPandit with high accuracy and consistent daily profits to all its subscribers can generate good profits for traders in this type of Market. This package provides consistent daily profits in all market conditions whether market moves up or falls sharply.

Premium Subscribers: Stocks to trade for F&O and cash intraday and when to exit those stocks would be sent to premium paid subscribers live during the market hours through SMS.

Note: All our Premium paid subscribers earn very good daily profits irrespective of any market direction. If you wish to subscribe for premium packages or have any queries, kindly contact us or mail us at admin@equitypandit.com

Details can be seen at EquityPandit

Subscription Pricing details can be seen at Pricing

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Let’s begin on planning finance for retirement:

It is usual for many of us to aspire for a financially secure and happy retired life. However being financially prepared to meet the demands of retired life by saving and investing requires considering and following the 10 doctrines of wise retirement planning.

A look at the 10 doctrines to wise retirement planning:

1. Provide for contingencies

Most of us tend to underestimate our retirement needs. Provision for medical emergencies with inadequacy of medical insurance in old age requires financial provision. Lack of government social security schemes and retirement benefits to self-employed and private sector employees creates requirement for more provision for contingencies after retirement.

2. Think that you will live long:

This is true with increased life expectancy. Now you will have more years of life after retirement. Thanks to medical advancements. So it is better to plan for the additional years and avoid living frugally in old age.

3. Plan that you will retire early:

It is wise to provide for contingencies arising that require you to retire early. You could suffer ill health, lose your job, or need to care for a sick or elderly member of the family. Women may have to opt voluntarily to look after the family needs.  All this requires more savings for retirement needs.

4. Beat the inflation before it beats you:

Inflation affects the personal finance needs of the working class, but pay rises could help them resolve it to a certain extent. However the retired have to save more to reduce the impact of inflation. Investing in modes that give you extra returns could help greatly.

Investors come to me and say “I would like to accumulate 2 crores and retire”. But when we really work out the inflation adjusted retirement corpus, the 2 crores would not be sufficient for him to have comfortable retirement. 2 crores may feed you enough in the first year after your retirement. The returns from the same 2 crores will not be sufficient for you take care of all your needs on the 10th year after your retirement because of the skyrocketing inflation figures.

5. Provision for increased medical expenses after retirement:

Most of us underestimate medical expenses after retirement, with these expenses being inevitable in old age. Hence more provision for medical insurance helps. A consideration of your family’s general health, family history of certain genetic disorders, and the class of hospital you get treated would help in proper estimation for medical insurance.

6. Provide for your spouse and dependents who may outlive you:

It is inevitable that this need should not be overlooked. Your spouse and dependents need to live a secure financial life after your lifetime. Taking up insurance policies during your working life and well thought out retirement planning will take care of your dependents and spouse financially.

7. Realize you need to be vigilant about sources of retirement income:

Sometimes we may be ignorant of benefits on retirement like provident fund, gratuity and other benefits. In India the lack of social security schemes after retirement makes it necessary to invest more in good income generating sources for steady flow of retirement income. The advice of investment consultants, along with financial education and information contributes to good financial standing after retirement.

8. Educate yourself about retirement savings plan management:

When the majority is relying on the pension schemes in the form of ulips offered by various public and private insurance companies, as a smart investor you need to understand the hidden charges of these pension policies. These policies are all heavily front loaded.

So you need to evaluate various investment options available for retirement. You need to accumulate sufficient knowledge in this regard. In addition learning to keep track of them with professional help makes these saving plans work for you.

9. Plan for an income for life:

Your retirement plans need to be financial plans to make income last you a lifetime. Pensions or annuities providing best income need to be safeguarded, as withdrawing large sums from them could end you in financial insufficiency in the final years of your life.

10. Take professional investment advice that works:

Many do realize the importance of financial advice from professional financial advisors, but in practice seek it from family, friends and colleagues. A right financial advisor could give you good investment advice to have financially secured retirement life.

A final note:

I am sure you want to emerge financially secure for your retired life and will follow these 10 financial tenets to wise retirement planning.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner.He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offer Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in

You have got only a few more months to complete this financial year. Very soon you will get a call from your company to submit the proofs for tax saving investments. So why don’t you spend some time on organising your tax plan?

1.    Proper Allocation of Annual compensation

Restructuring your salary with some additional components can reduce your tax liability. This restructuring doesn’t require any additional cash outflow. The following components can be efficiently used to reduce your income tax liability.

v  Transport allowance to the extend of Rs.800 is exempt

v  Medical expenses which are reimbursed by the employer are exempt to the tune of Rs.15000

v  Food coupons like sodexo or ticket restaurant are exempt from tax up to Rs.60000

v  Individuals who are all living in a rented accommodation can include House Rent Allowance ( HRA ) as a part of their salary

v  Leave Travel Allowance (LTA) can be part of your salary as this can be claimed twice in a block of 4 years.

2.     Effective Utilization of Tax Exemption

As far as possible utilize the maximum exemptions available under section 80 C, 80 CCF and 80 D. The maximum exemption available under section 80 C is Rs. 100000.

Under this section Rs.100000 investment or contribution can be made in PPF, NSC, Life insurance premium, 5 year FD with banks and Post offices, Mutual Fund ELSS, Principal Repayment of housing loan, and the tuition fees paid for children’s education.

Under Section 80 CCF, you can invest up to Rs.20000 in infrastructure bonds.

Under Sec 80 D, the premium paid towards the mediclaim policies are exempt. The maximum limit of exemption is Rs.15000 and for senior citizens the limit is Rs.20000 and for covering senior citizen parents there is an additional exemption to the extend of Rs.15000.

3.     Properly Structure your Housing Loan

The Principal repayment of a housing loan is eligible for a deduction up to Rs.100000. The interest paid on a housing loan is eligible for a deduction up to Rs.150000. If the housing loan is for a sizeable amount, then it is possible that the principal repayment and interest may exceed the specified tax exemption limit. To utilise the maximum tax benefit, an individual can consider going for a joint home loan with his/her spouse or parent or sibling. This will make sure that both the co-owners can claim tax deductions in the proportion of their holding in the loan.

4.    Tax Plan in Sync with Overall Financial Plan 

You should not do your tax plan in isolation. You need to do it in sync with your overall financial plan. So a tax plan is not only to just save taxes and also it should assist you in achieving your other financial goals like children’s higher education, buying a home or retirement.

5.     Avoid Last Minute Rush

In fact the right time to do the tax plan is the beginning of the financial year. If you postpone your tax planning even now and do it in the last minute, then you will not be able to choose the right investment. In the last minute rush, you will be forced to choose a scheme which gives the proof immediately. Is the investment sound and profitable? Is there any other better options? You will not be able to choose the best scheme and you may settle with a mediocre one.

6.     Invest Some Quality Time

Before investing your money, you need to invest your time. You need to take some quality time to understand the various tax saving options and compare their benefits and limitations.

7.     Check for Future Commitments

Some tax saving options like NSC or ELSS need only onetime investment. Some other tax saving options like PPF, Ulips need periodical investments year after year. You need to be careful in choosing a tax saving scheme where you need to commit for periodical future payments. You need to check on a few things like; do you need such a future commitment? Will you be able to meet the future commitments at ease? The law may change and you may not get any tax exemption for your future payments. Would you consider the scheme irrespective of tax benefit for the future payments?

8.     Changed Your Job; Redo your Tax Plan

Did you switch your job in the middle of the financial year? Then you need to redo your tax plan with consolidating the income from both the companies. It is advisable to inform the new company about the income during the particular financial year from the old company. So that your new company will deduct the right amount of TDS. Otherwise you may need to pay extra tax at the end of the financial year.

Whenever you change your job, you need to have a sitting with your financial planner or tax advisor. So that the required changes in your tax plan can be done proactively.

With proper tax planning you can reduce your tax liability; save more; invest better and become wealthier.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.

XL Telecom recommended by EquityPandit’s flagship product EP-Investor Package gave 32% profits in just 2 days as always.

XL Telecom was recommended by EP-Investor Package to all its subscribers at Rs.29 per share on Friday, September 24, 2010 touched Rs.38.30 per share in just 2 days. EquityPandit is expecting this share to see further 20-40% upmove in short term in this stock and hence has upgraded its target further.

Since Inception, EP-Investor is giving huge profits to its subscribers, which no other Indian company has consistently given. Every stock recommended by EquityPandit’s EP-Investor is giving atleast 30-40% profits per share in small time duration ranging from 1week to 2 months. For performance sheet, you can visit www.equitypandit.in

Each and every stock recommended by EP-Investor Package is given with the reason of recommendation, targets and time duration for investments.

Small Caps and Midcaps have tendency to become large caps in Future. But only 2-5% of small cap and midcap are such big multibaggers. Finding such multibaggers is really a mind-boggling task in the ocean of smallcap and midcap. It’s not possible for most of retail investors to find such multibaggers. Most of them burn their hand by investing in any smallcap which either go further down or remain at same price for many years.

Some of the stocks which multiplied many time in last 10 years

EP-Value is a Package where you would get:                                               

1.     Monthly newsletter via Email for our recommendation. Every month you would be recommended with 1 multibagger. In 1 year, you would get 12-13 multibaggers.

2.     Complete research for our recommendations.

3.     Internal news from many other companies in Indian Stock Market.

You can go for SIP (Systematic Investment Plan) i.e every month you should invest in same amount in the multibagger which would multiply your wealth every year.

Price: Rs.7000 (Yearly Subscription)

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Hurry Up promotional offer is limited and available on first come first serve basis. EP Management can withdraw this offer any time without any prior information.

For subscription or any query, contact EP-Executive at 91-9909902031.

So Now get ready for smallcap and midcaps which have ability to become largecaps in few years and which would multiply year after year.

Comparative strength of the Indian economy has been attracting robust fund flows from the global investors. This has been the primary force behind the relative outperformance of the Indian markets. Except Japans Nikkei, both Sensex and Nifty outperformed all other major indices globally during the previous week. On a month-to-date basis also, both Indian indices remained outperformers. It appears that it will require some significant negative development in the global space for Indian markets to fall significantly from here. Otherwise, we may see some occasional profit booking. However, that is not expected to take the Nifty lower by more than 200-250 points.

Few Points which would impact Indian Stock Market directions in upcoming week are:

1.       With problems still not over in Europe and more slowdown expected in China, India and some Asia-Pacific countries remain obvious choices for foreign funds.

2.       A successful breach of 6050 level can take the Nifty towards 6150 on the higher side while immediate support is expected to be at 5900.

3.       For the coming week, US GDP data for Q2 would be an important event to watch out for.

4.       This trend is likely to continue for some time and the positive momentum is likely to be there in the Indian markets in the coming week also.

5.      The global economic health, especially the situation in the US meanwhile, remains worrisome. This became evident after the FOMC statement, which again pointed out that the recovery was further moderating.

Tulsi Extrusion recommended by EquityPandit’s flagship product EP-Investor Package gave 101% profits in just 2 months as always.

Tulsi Extrusion was recommended by EP-Investor Package to all its subscribers at Rs. 36.5 per share touched its target of Rs.73.40 per share in just 2 months.

Since Inception, EP-Investor is giving huge profits to its subscribers, which no other Indian company has consistently given. Every stock recommended by EquityPandit’s EP-Investor is giving atleast 30-40% profits per share in small time duration ranging from 1week to 2 months. For performance sheet, you can visit www.equitypandit.in

Each and every stock recommended by EP-Investor Package is given with the reason of recommendation, targets and time duration for investments.

EP Report: Indian Stock Market outlook (Monday, May 16,2010 - Friday, May 21, 2010)

Markets across the globe have become highly volatile recently with huge upswings and downswings in the major global indices. The reason for this primarily remained the uncertainty about the European Union sovereign risk. Though, the huge bailout package announced by the EU and IMF to rescue the situation managed to provide some initial relief, uncertainty over the details and fine prints have still not become clear. This is encouraging investors to take out their money from equities and park that to safer option viz. US treasury and gold, which has already breached its all-time high and has been hovering around US$1250/ troy ounce.

- Metals remained the worst hit sector so far this month due to worries over China measure to cool off its over heating economy. The uncertainty is likely to continue and would continue to keep the  markets volatile.

- On the global front, US FOMC rate decision is due on the coming Wednesday.

- Also, the comments by the Fed would be closely watched by the market.

- For the Nifty, the support is likely to be seen in the range of 4980-5000 while resistance seems to be around 5150 level.

- The overall sentiment is likely to remain weak for the markets.

EquityPandit has been famed for being India’s Leading Equity Research and Advisory Company with more than 10000 traders, investors and premium paid subscribers associated with it. EquityPandit has given huge profits to its subscribers. Subscribers who have been associated with EquityPandit for last 2 years have made profits of more than 10 lacs on investment of every 2 lacs Rupees in 2 years as an average. This was all because of their trust and confidence with EquityPandit. There were few instances when EquityPandit has not given good profits but the customers who didn’t care of these few months and had confidence with EquityPandit earned lacs of Rupees as profits in these two years. These are the customers who have decided to remain with EquityPandit Research for lifetime. All these subscribers dream to become crorepati in short time span and retire early. EquityPandit Research Team told that they would try hard to help those subscribers to fulfill their dreams.

And finally because of the trust and confidence of all these subscribers, EquityPandit was famed with this great achievement.

EquityPandit wants to thank all of its subscribers and had decided to provide huge discounts for first time:

Yearly Package:          50% discounts

Half-Yearly Package:   40% discounts

Quarterly Package:      30% discounts

All Packages yearly subscription: Huge 60% discounts

EP-Basic

EP-F&O Special

EP-Investor

* This discount is available only for few days.

* EP Management can withdraw this special discount offer without prior information.

* Subscription amount is inclusive of Service Tax @ 10.30%

* All Prices are in INR (Indian Rupees)

Congratulations to all our EP-Investor subscribers!

EquityPandit has again proved to be an India’s leading Equity Research Firm. For last three months EP-Investor, one of the flagship product of EP, has given huge profits to its subscribers. Few calls are still in execution. The beauty of this package is that without any hectic activity of trading, subscribers gain huge profits in small time frame and small package price. This is the package, which every investor should follow.

The call given by EquityPandit’s EP-Investor Package in January 31,2010 with 1 year time frame, multiplied with in 2 months.

The call given was:

Medium Term Investments

But within 2 months it made high of 217.70. Hope our Subscribers have book huge profits. Most of EP calls have touched targets much before its target duration.

This week again, the stock which we would recommend would surely multiply within small time period.

To our subscribers: Invest in this week’s recommended stock and you would again surely be able to multiply your wealth.

To our readers: We are sorry but we can’t disclose our this week call due to our subscribers interest.

 So enjoy Huge profits in Association with EquityPandit.

All stocks recommended by EquityPandit Research Team at Equitypandit.com in its EP-Investor Package this Sunday are up by about 6-12% in two days. This is the Fourth Sunday since EquityPandit has relaunched its flagship product EP-Delivery Special Package in web mode and renamed it as EP-Investor Package. The web Portal for this package is www.equitypandit.in . Most of recommendations provided by EP-Investor Package zoomed. Some stocks like Concurrent India Infra and Unimin has given profits of 125% and 66% respectively within few days. Others have given profits of 20-40% within 2-3 weeks. No doubt, few scripts recommended are near cost price also.

Last year EP-Delivery Special Package (now known as EP-Investor Package) has given profits of 387% to its subscribers on their total amount and this year its is expected to cross 400% or even more !! EquityPandit  promises to provide better service and more such scripts every week by their well known Research Team.

Hope EP-Investor Subscribers are having good time.

EquityPandit one of the leading Equity research Company in India, gave huge profits after profits to its subscribers. EquityPandit has recently relaunched its one of the most popular investor package EP-Investor (Earlier called as EP-Delivery Special). Subscribers of EP-Delivery special package earned 387% on their total investment amount last year. EquityPandit now relaunched its package in web mode at www.equitypandit.in with much better recommendations and in the first month of its relaunching it gave few huge profits giving multibaggers to its subscribers.

EP-Investor recommended stock Concurrent (India) Infrastructure ltd (Recommended on 3 Jan, 2010) at the price of Rs.8 per share for the target of Rs.18 in 1 year. The stock was moving in lower circuits at that time but EquityPandit Research Team was sure about good fundamentals and better returns in the company. EquityPandit recommended its subscribers to buy that particular stock in much more quantity. This stock touched Rs.18 in last trading session but still EquityPandit research team suggests to hold this stock for the target of Rs.32 in coming days. WOW! 125% profits in 1 month and still ready for 300% profits.

Other stocks recommended this year by EquityPandit research rocked. Some other stocks recommended by EP-Investor Package were:

Unimin at Rs.3.14, CMP:5.40, Profits:66% in 20 days.

Sungold Capital at Rs.14, touched Rs.18 in 5 days.

WPIL at Rs.174 touched Rs.210 in 3 days.

Piramal Glass at Rs.68 touched Rs.78 in 3 days.

And many more……..

EquityPandit Research Team promises you all to provide you many such multibaggers in upcoming days. So Enjoy huge profits with midcaps and smallcaps multibaggers recommendations with EquityPandit EP-Investor package.

Indian Stock Market has made a low of 4670 for Nifty yesterday. Market is now trading around a level of 4600 on the lower side and 4970 on the higher side. So it would be very important for the market to break on the either side to reach a level of 5200 or 4500. However budget would be a key factor for the market. EquityPandit expects some bull rally in near term.

Now Its time to start investing some of your amount because if in any case budget comes out with surprise, which EP is expecting market may breach 5200-5300 levels for the Nifty and may see sharp new highs. This is the time, you should invest small-small amount on every dip in the market. Take this dip as opportunity which most of you have lost earlier during recession and after that. Don’t miss this train of bull rally. In worst case, Budget may not be investor friendly and market can see some sharp downtrend. But in any case market would not go below 4200 for Nifty. The best strategy is to invest your 10-10% at every dip before budget.

EquityPandit Research Team look recovery starting after April 2010 and would not stop. Invest in some fundamentally good companies which may see uptrend after budget 2010. Have you complete research. Go through complete fundamentals of the company, eps, pe ratio, earnings and also 3 years stock trend.

Note: EquityPandit’s EP-Investor Package is best tool available in Indian market which recommends you with fundamentally strong shares which may multiply your wealth in small time frame. EquityPandit recommends midcaps and smallcaps for very short term, midterm and longterm view, which have ability to multiply and are really cheap at current levels. The stocks recommended in this package see sharp uptrend within days of recommendations and provides profits ranging from 30-50% in small time frame. Stocks recommended in last three weeks since inception of this package (Earlier it was known as EP-Delivery Special) has given profits of 20-25% in 1-2 weeks. More details about EP-Investor Package can be retrieved at www.equitypandit.in Hope you don’t miss the train of bull run this time. Decision is yours !