Just about investment reviews
Energy Drinks and New Age Beverages are the hot topics not only in products and sales or in the beverage industry but also in the Investment Community.
I’m seeing many new companies and new products every single day; and those are the ones that call me. Imagine all the ones all over the world.
Vitamin Water sold for a few Billion dollars, 4.1 to be precise. Now everyone is jumping into the industry.1 Billion Dollars, individuals, investors and companies want to go into the “New Age Beverages”.
Indore is a central Indian state that can best be described as the commercial capital of the Indian state of Madhya Pradesh. It’s also the largest city in Madhya Pradesh.
Economic State
Indore has a diverse population that makes it a favored region when it comes to products which are tested as a fresh concept. It is one of the fastest growing tier-II cities in India and is considered as a center for commerce in the central parts of the country. Indore is also becoming an IT hub with many IT industries flourishing in the state.
The immense growth of Indore has made it the highest contributor of tax revenues in the state. To efficiently harness the potential that is held by the exports in software industry, the government is setting up many Special Economic Zone (SEZ) projects in Indore.
Unit Linked Insurance Plan (ULIP) is a fusion of insurance and investment. In ULIPs, part of the premium payment goes towards the sum assured (amount received at maturity in a life insurance policy) and the remaining is invested in your desired portfolio – equity, debt or a mixture of both, depending upon your risk appetite. The investment portion in ULIP is represented as units and is denoted as the Net Asset Value (NAV).
Do’s for investing in ULIPs:
Returns: Compare returns offered by various ULIP insurance policies and other financial instruments like mutual funds, bonds etc.
Credibility of the Insurer: Check carefully the life insurance companys credibility and analyze the past performance of all ULIP plans offered by that insurer.
Charges in ULIP: ULIPs being complex insurance products attract heavy premium allocation charge. According to new guidelines from IRDA effective 1st September 2010, the charges are to be evenly distributed over the lock in period of 5 years. The new rules have restricted the charges to an upper limit of 3% of the gross yield on ULIPs for 10 or less years; whereas the charges cannot exceed 2.25% on ULIPs with tenure of more than 10 years.
Switching Cost: Find out how many switches between funds are freely allowed during a year. Most insurers levy some fees in case the number of switches exceeds the permissible limit.
Partial Withdrawal Facility: Many ULIP insurance plans offer partial withdrawal facility. Find out about any restrictions on using this facility.
Lock-in Period: According to new IRDA rules, the minimum lock in period for ULIP plans has been extended up to 5 years from the existing 3 years.
Surrender Options: Check charges and deductions for surrendering the policy.
Merits of ULIPs:
Varied investment options.
Switching option depending on the market conditions.
Long term investment planning (ULIP is a long term financial investment planning instrument that helps plan for higher child education / marriage / retirement etc.)
ULIPs are covered under Section 80(C), 10 10(D) of IT Act. Hence tax benefits upto a maximum of Rs 100,000 investment can be claimed in these plans.)
Partial withdrawal facility (after the lock-in period).
Various payment options (Like single premium, regular premium payment which allows you to invest additional amount at your preference in the form of Top-ups. Top-up facility allows you to take the policy for the minimum premium, and once the policy renders good results, you can then top it up with extra premiums).
Demerits of ULIPs:
2)ULIPs are costlier when compared to traditional insurance policies, mutual funds etc, hence not advisable for short term investment purpose.
3)Min 5 year lock-in period makes it difficult to exit in case of non performance of the fund.
4)Premium allocation and other charges are quite high.
There has been quite the surge in new construction hitting the Northeast Los Angeles real estate market lately, particularly in Glassell Park. Glassell Park real estate continues to be popular with home seekers who love the area and the views but are priced out of the costlier Eagle Rock real estate market.
Glassell Park, which is boxed between Glendale, Eagle Rock, Atwater Village and Elysian Valley has seen a resurgence of interest after Eagle Rock began to gentrify seven or eight years ago. Because it is a hilly neighborhood, many homes in the area have spectacular views. .
First we saw a development of four homes by 4site Real Estate, designed by Holz Architecture, located in the hills of Glassell Park at 4239-4243 Scandia Way. Featuring panoramic views, vaulted ceilings, and walls of glass, these modern homes started at $889,000 and went up to $959,000. As of Fall of 2013, three have sold and the fourth is currently in escrow.
The previous part of this article summarised what actually constitutes an investment trust, including how they are run, and provided an introduction into one particular type of investment trust, the REIT. In this second part, Split Capital Investment Trusts are introduced with a quick summary of how they may be used by investors.
Split Capital Investment Trusts
Also known as Splits, this variation of an investment trust strays from the more simple template in that it can offer a number of different share types within the one trust, each with a certain profile of risk vs potential yield.