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    Tuesday, March 24, 2020

    India buys itself time from a virus

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    THE ECONOMIC TIMESDaily Newsletter
    Tue, Mar 24, 2020 | 05:29 PM IST
    #Coronavirus#EconomyTracker#Whatsbuzzing
    Top stories of the day
    India moves tax deadlines, eases rules to fight coronavirus India moves tax deadlines, eases rules to fight coronavirus
    The FM announced that the Economic Task Force will soon announce an economic relief package....
    Sensex rebounds 693 pts after worst fall in history
    Stocks rout wipes off wealth that equals 40% of GDP, 7 times India's fiscal deficit
    Country has enough food for a long shutdown
    GST filing date, late fee and penalties eased
    What the world after Covid will look like
    No ATM, minimum balance charge for 3 mths
    EC defers Rajya Sabha polls scheduled for March 26

    All about tax-saving

    How to save income tax via medical expenditures under sections 80D, 80DD, 80DDB, 80U How to save income tax via medical expenditures under sections 80D, 80DD, 80DDB, 80U
    If you can't afford to pay for health insurance premium or unable to buy one due to pre-existing conditions, then als...
    Coronavirus Updates
    Ensuring uninterrupted supply of essential commodities: Railways Ensuring uninterrupted supply of essential commodities: Railways
    Despite the coronavirus outbreak, the Indian Railways said it was ensuring uninterrupted supply of essential commodit...
    New tax deadlines, easier business rules in India's coronavirus fight
    COVID-19: Students of Guj schools to be promoted sans exams
    Maharashtra: Daily wagers, labourers worst hit by lockdown
    Entire West Bengal brought under lockdown till March 31

    Top Gainers

    NSE
    27 companies (largecap) appreciated more than 5%
    HDFC Life Insurance Company Ltd. 14.31%
    Infosys 12.03%
    More from Gainers

    Top Losers

    NSE
    14 companies (largecap) price decreased more than -5%
    Bajaj Holdings -16.39%
    Au Small Finance Bank Ltd. -9.99%
    More from Losers
    More From our Partners
    This one change can boost up your business
    Surveys show coronavirus pandemic savaging global economy Surveys show coronavirus pandemic savaging global economy
    After an initial outbreak in China brought the world's second largest economy to a virtual halt last month, an ever g...
    RS, LS secretariats closed in view of Covid-19 scare
    US reports 10,000 virus cases in a single day
    Rajya Sabha, Lok Sabha secretariats closed due to outbreak
    There is no financial emergency, economic fears unfounded: Sitharaman
    PM Modi says newspapers carry tremendous credibility
    Coronavirus spreading to family members of foreign returnees: MoS Home Affairs
    More From our Partners
    How Tier 2 and Tier 3 cities are set to drive major business in next 5 years?

    FinTech Companies can achieve customer satisfaction and loyalty, by focusing on technologies such as blockchain.

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    Monday, March 23, 2020

    Coronavirus impact: 5 dos and don'ts to protect your investment portfolio in a bear market

    THE ECONOMIC TIMES
    Tue, Mar 24, 2020 | 08:34 AM IST

    ET Wealth Newsletter

    WHAT'S HOT #RERA,#sukanya samriddhi yojana calculator,#alternative investment returns monitor,#realty hot spot series,#stock pick of the week,#mf portfolio doctor,#family finance
    Coronavirus impact: 5 dos and don'ts to protect your investment portfolio in a bear market
    The spread of Covid-19 has mauled the market. Finding yourself in the grips of a bear market will upend any haughty notions you may have about your risk appetite. This story tells you how to contain the damage caused to your investment portfolio.
    Be it a bear or bull market, quality is what will keep your portfolio safe
    The only way of having any degree of confidence is if you are reasonably certain of the fundamentals of the business and the stock. That's exactly what's happening today. The stock markets are crashing, but when it turns around, quality will matter.
    You can save over Rs 1 lakh in tax just via these 4 avenues
    The I-Tax Act, 1961 provides several avenues by way of deductions under different sections of the Act, to help one invest or make an expense to reduce the tax outgo.
    Coronavirus and worklife: Tips to make working from home easy
    The Coronavirus outbreak has caused almost all firms to deploy the work from home practice for employees. While some may be used to this, others may feel lost in the exercise. To crack and make the most of your work from home situation, here are important points.
    From our Partners
    The bank that helps you build your career
    The organisation that lets you take journey from a Humble Start to the C Suite.
    From our Partners
    Must Read - Incredible opportunities offered by J.P. Morgan to its employees
    Excel tool that helps to manage interest rate risk in debt mutual funds
    Sebi has classified certain categories of debt funds based on their portfolio duration and therefore, it is imperative to understand its relevance. Duration measures the sensitivity of the price of a bond to changes in interest rates.
    How to manage loans, credit card spends effectively
    To manage loans, credit card spends effectively, you can start by getting a clear picture of the total money you owe. This can be done by making a list of all your debt.
    Top Mutual Funds
    SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%)
    Axis Bluechip Fund Direct Plan-Growth
    ★★★★★
    5.72 -14.74 -24.48 -29.72
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    Axis Bluechip Fund-Growth
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    4.34 -15.70 -24.89 -29.76
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    Mirae Asset Large Cap Fund Direct- Growth
    ★★★★★
    1.14 -20.80 -20.82 -26.85
    Start SIP
    JM Core 11 Direct Plan-Growth
    ★★★★★
    0.86 -20.31 -19.93 -26.44
    Canara Robeco Bluechip Equity Fund Direct-Growth
    ★★★★★
    0.64 -20.17 -24.80 -32.38
    Invest Now
    FeaturedL&T Balanced Advantage Fund Direct-Growth
    ★★★★★
    0.33 -12.52 -15.30 -18.52
    Start SIP
    5 quality stocks that can be good investment bets in this bear market
    Quality is a theme to consider now, in a bear market and pandemic-caused panic. Since many small and weak companies may not recover from this churn, it makes sense to stick to big and quality companies. However, investors should not pay a very high price.
    A coronavirus-led recession is coming. Brace yourselves: View
    This won't be a stop and start cycle, because the real economy is so interwoven and interdependent.
    FEATURED SLIDESHOWS
    When will your health insurance policy not cover coronavirus?
    When will your health insurance policy not cover coronavirus?
    What if your bank fails, account is frozen?
    What if your bank fails, account is frozen?
    Coronavirus and job search: How to get a job in this recession
    Coronavirus and job search: How to get a job in this recession
    How you can use mutual funds to plan for financial goals
    How you can use mutual funds to plan for financial goals
    More Slideshows

    Financial Calculators

    Old or new tax slab regime? Use this calculator to find out
    Old or new tax slab regime? Use this calculator to find out
    This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay.
    New LTCG tax calculator: Plan, compute your tax
    New LTCG tax calculator: Plan, compute your tax
    Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds.
    5 changes to debit, credit card transactions from March 16

    In case a card has not been used for online transaction, international transactions and contactless transactions before, the bank has an option to disable these options.

    Working from home? Here are the 6 best laptops under Rs 40,000

    If you are someone who has been asked to work remotely and are looking for a laptop at a reasonable price, here are six of the best ones under Rs 40,000.

    How the coronavirus has hit Indian and global markets

    Coronavirus or COVID-19 has spooked not just the Indian stock market but global stock markets as well. ET wealth studies the impact of the pandemic virus.

    How nominations work in insurance policies, bank accounts, shares, mutual funds, PPF

    A nomination is a very effective tool to access assets such as PPF, mutual fund etc. in case of death. If there is no nomination, the legal heirs may have to go through a long drawn and cumbersome process of proving themselves as legal heirs

    Realty hot spot series: Gurgaon locality with ready, under-construction flats

    Southern Peripheral Road in Gurgaon is a developing micro-market in Delhi NCR. The locality has several completed and under-construction houses for all price brackets. The area is close to major office hubs such as Sohna Road, Cyber City etc.

    How Sensex, gold, 10-year G-sec performed during week ending March 19, 2020

    Here is a weekly tracker to keep you updated on how Sensex, gold prices, 10-year government bond yield and consumer inflation performed.

    MF Portfolio Doctor: Nagarkar should not switch mutual fund schemes based on recent returns

    Do you know if your investment portfolio is on the right track? The mutual fund portfolio doctor assesses the health of the mutual fund portfolio, examines the schemes and their suitability with regard to the goals and recommends corrective measures.

    Tax optimiser: Desai can cut tax outgo by Rs 66,000 via NPS, perks

    ET Wealth tells readers how they can optimise their tax by rejigging their income and investments.

    Family finance: Aggressive investment will help Bhardwaj achieve all money goals with ease

    Kuldeep Bhardwaj's goals include building an emergency corpus, buying a house, taking a vacation, saving for children's education and weddings, and retirement.

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    Markets Watch

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    Líneas de liquidez

    Confirming y factoring
     

    Uno de los problemas más habituales que nos plantean nuestros clientes son las tensiones de tesorería (normalmente derivadas de sus plazos de cobro a clientes) que les complican los pagos a proveedores y provocan, a largo plazo, un encarecimiento de sus compras.

    La primera reacción de muchos empresarios para estos problemas de circulante es buscar un préstamo, un colchón de liquidez que les dé mayor seguridad a la hora de operar.

    Pero normalmente no es la estrategia correcta.

    A día de hoy, lo mejor para gestionar el circulante de tu empresa son el factoring y el confirming.

    Con el factoring puedes reducir tus plazos de cobro a clientes y minimizar así las tensiones de tesorería derivadas de tener que aguantar durante 30, 60 o 90 días (si no más) las facturas emitidas hasta cobrarlas.

    Con el confirming la entidad financiera asegura a tu proveedor el pago y le da la opción de adelantarlo con un coste. De este modo, con la venta asegurada y opción de adelantarla, el proveedor está siempre más dispuesto a negociar las condiciones.

    También está la opción del "confirming pronto pago" que, con coste para tu empresa (el comprador), financia el pago al proveedor. Es decir, tu proveedor cobra al instante pero tú pagas a la entidad más tarde (hasta 180 días).

    Estas son las líneas que más están favoreciendo las entidades a la hora de financiar el circulante de las Pymes.

    Si quieres optimizar tu estructura de circulante...

    Déjanos tus datos y te llamamos

    Carina