For someone running the last 100 meters of a 42 Km marathon, one sec can seem to be quite a time. On the other hand, to change a simple habit in your life, a decade may seem quite small. Long Term, therefore, is a relative term in life. But it is not so in equity investments. Whether it is mutual funds or stocks, we can define Long Term quite precisely, clearly and objectively - with logical data points.Let us see how.'Being Dead' as an Investment StrategyFidelity Investments recently conducted a study in the US to find out what kind of investments provided the best returns. The results were startling for anyone who feels is a smart investor. The study revealed that the highest returns were from investors who had completely forgotten about their investment for years, or even decades. A good proportion of these investors who were enjoying amazing returns, had actually died a long time ago. The study, therefore, concluded that the most profitable strategy may be to do exactly what a dead person would do - which is nothing.Why should we define 'Long Term'?A long-term investment is often associated with lesserrisk. We just understood from the above study that the longer the term, the lesser the risk - since volatility is averaged out over a period of time.To augment our statement, just have a look at the last 5 year returns of BSE Sensex:9% , 42% , -9% , 16% & 10%The overall annual returns stand at 13%Now, 13% is a fabulous annual return on your investment - but the variability (volatility) is high. During any short period, you could face poor returns - or even losses (as in Year 3). These poor returns are (over)compensated by a great occasional phase (as in Year 2). As you increase the term, the risk will keep reducing. But how long should we keep increasing the Term of investment? For sure, we do not want to die just trying to get good returns. We want to get the returns and use them too - in this lifespan. Isn't the purpose of an investment to get the returns and use the money as well as the returns arising from it? What use is the money if it just keeps growing and you die of old age? The end purpose of money and investments was always to spend it optimally, so as to facilitate happiness in our life.Therefore, to strike a balance, we must define a Long Term investment tenure where we have a fairly reduced risk and we can also use the investment and the returns for the purpose it was intended to. Thus, we should be able to precisely answer the question, "How long is long-term in Equity?"How does our Law define 'Long Term'?Tax Laws are often quite strange, to say the least. Indian IT Act defines Long Term on equity investments after a period of 1 year (12 months). So, does that mean that any equity investment done for more than a year is a truly long-term and therefore, relatively quite safe?Not really!Ironically, on the other hand, any investment done in debt based funds are considered as long-term from a taxation perspective only if you stay invested for at least 3 years. So, are we saying that debt investments are riskier as compared to equity investments - and therefore need a longer duration to average out the risk? It is actually the reverse. Debt based investments are less volatile and therefore less risky as compared to Equity investments.So, we cannot go by the definition of tax laws to define the right tenure of any Long-Term Investments.Defining 'Long Term' logicallyIf you analyze the data for a typical mutual fund with a multi-decade history over all the possible 1 year periods, you will find that:a) Maximum returns are 160% (best 1-year return ever)b) Minimum returns are -57% (worst 1-year return ever)If you analyze the data for a typical fund with a multi-decade history over all the possible 2 year periods, you will find that:a) Maximum returns are 82% (Annualised best return ever - over 2 years period)b) Minimum returns are -34% (Annualised worst return ever - over 2 years period)If you analyze the data for a typical fund with a multi-decade history over all the possible 3 year periods, you will find that:a) Maximum returns are 63% (Annualised best return ever - over 3 years period)b) Minimum returns are -18% (Annualised worst return ever - over 3 years period)If you analyze the data for a typical fund with a multi-decade history over all the possible 4 year periods, you will find that:a) Maximum returns are 59% (Annualised best return ever - over 4 years period)b) Minimum returns are -8% (Annualised worst return ever - over 4 years period)If you analyze the data for a typical fund with a multi-decade history over all the possible 5 year periods, you will find that:a) Maximum returns are 54% (Annualised best return ever - over 5 years period)b) Minimum returns are 4% (Annualised worst return ever - over 5 years period)This means that the minimum annualized returns you could have made annually if you would have invested in the worst possible fund would have been 4%. Do not go by the dwarf-ness of 4% CAGR. Try and understand the significance of this statement. Here is the crux. There was no feasible way that you could have made any loss in equity market if you would have stayed invested for 5 years - since your returns were going to be between 4% and 54%.Let us just go one step ahead.If you analyze the data for a typical fund with a multi-decade history over all the possible 10 year periods, you will find that:a) Maximum returns are 30% (Annualised best return ever - over 10 years period)b) Minimum returns are 13% (Annualised worst return ever - over 10 years period)Wow !! A worst-case annual returns of 13% !!What else you want equity investments to deliver to you? Of course, that is if you stay invested for 10 years.The above statistics clearly puts the minimum term of investment to be 5 years and the optimum term of investment in equity to be somewhere between 5 and 10 years i.e. 7 years and above. 7+ years is an investment term wherein you get good enough returns with significantly lesser risk.Therefore, in equity investments - long term is not a vague term. It is 7 years+ investment horizon - also validated by 7-year equity cycles.CheersManoj AroraOfficial Website | My Mission
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People hire attorneys for all sorts of reasons. Sometimes it’s just to get a little help with a contract. Others it’s to represent their interests in a complicated lawsuit.No matter why you need an attorney, you want to make sure to find an expert you can trust. Getting started can feel a bit intimidating, but it doesn’t have to be. Here’s what you need to do to make sure you find the right attorney for your needs.Understand Why You Need an AttorneyBefore you can find an attorney, you need to pinpoint exactly why you need legal help in the first place. Different attorneys specialize in different areas of law. This allows them to give the best service possible when representing each case they take on.However, it does mean that you need to fully understand what your legal concerns are before you choose an attorney. If you need help settling aninsurance claim after a car accident, work with an attorney that specializes in those cases. If you’re getting a divorce, look for an experienced divorce lawyer.The more you can narrow down what type of legal issues you’re facing, the easier it will be to find the right attorney for your needs.Ask Friends, Family and Co-workersOnce you know why you need an attorney, turn to the people you know for business recommendations. Ask around the office, call your friends who have had similar legal issues or situations or ask for a recommendation from a family member.Chances are that someone in your network knows an attorney and can pass their contact information onto you. If your network doesn’t give you a good list of professionals to talk to, search online for attorneys in your area.Research Their ReputationsOnce you have a few names, start researching their reputations. Online reviews are a good place to start and can give you an idea of what their previous clients have to say about their services.If most of the reviews are positive, you’ll likely have the same experience. However, if the reviews are mostly negative or discuss the same pain points, you may want to keep looking.You can also read up on their education and industry standing by researching each attorney through your state’s bar association. This will tell you if they're in good standing with the state or if clients have filed complaints against them. If an attorney is still in good standing, contact them. If not, keep looking.Schedule ConsultationsThe best way to find a legal professional you can trust is to meet with them in person. Most reputable attorneys offer free consultations and will go over your concerns to determine if they’re the right fit for your unique situation.Think of these consultations as your chance to interview the attorney. Be as open as you can about your legal troubles. Try to get a feel for how they handle cases and ask them questions about their practice, their success rate and how they charge for their services.Ideally, you should leave the consultation with a better understanding of how the attorney can help you. If you didn’t get clarification or found the attorney’s explanations to be confusing, keep looking.Remember, you’re hiring them to represent you. If they don’t impress you during the consultation, you don’t have to hire them.Think About How You FeelAfter going to several consultations, think about how you felt during each meeting. According to the team at ChasenBoscolo, reputable and trustworthy should make you feel comfortable and reassured. It's their job to explain complicated legal issues clearly. If you feel uncomfortable with the practice, the attorney or just don’t like the way they answered your questions, keep looking. The last thing you want to do is settle for an attorney that you don’t like.Finding an experienced attorney can feel overwhelming. Use these tips to help you find a legal professional you can trust. It may take time, but as long as you listen to your instincts and choose an attorney you’re confident in, you’ll be in good shape.
Great Car Negotiation Tips You Need to KnowApproximately5 million cars are sold in the United States annually. Buying a car can be a very complicated process, especially if this is your first time. Before going out to buy a vehicle, you need to establish a firm budget. The best way to figure out how much you can afford to spend is by getting pre-approved for a car loan.With this information, you can start the process of narrowing down the selection of vehicles at your disposal. Rushing through the car buying process will result in a lot of money being wasted. One of the main concerns you should have when buying a car is getting a good price. Here are some of the things you need to consider when trying to negotiate the price of a vehicle you want.Get Details About the Car You WantHaving an idea of the car you want before going out to shop can help you save time and a lot of money. One of the first things you will learn in negotiations training classes is that knowledge is power. This is why you need to find out everything you can about an automobile before trying to buy it. Figuring out what features this vehicle comes stock with and what the going price for it is can be beneficial.Knowing what other car dealerships are selling a vehicle for can help you negotiate a better price. If a dealership has priced the car you have too high, you need to point to the other prices you have found online. In most cases, a dealership will have no problem lowering the price of a car on their lot to avoid losing a sale. The time you spend researching cars online will pay off when you are able to get a great price.Don’t Focus on Just One DealershipNot only will you need to find out more about the car you want to buy, you will also need to research the dealerships in your area. Ideally, you want to choose a dealership with a great reputation and exceptional prices. Going to visit a few of the dealerships in your area is essential when trying to figure out which one is the right fit.During these visits, you can get a feel for how willing a dealership is to negotiate with you. If it feels like a dealership is hesitant to reduce prices, you need to keep looking. Committing to the first dealership you find will result in you paying too much for a car. This is why you need to avoid rushing through this important research process.Dig Deeper into the Deal Being OfferedThe biggest mistake most people make when buying a car is focusing solely on the monthly payment. While this is important, it also a short-sided way to look at this process. Before you sign off on a deal for a car, you need to check a variety of factors. Mainly, you need to see how high the interest rate is on the loan.You also need to focus on seeing what is being offered by the dealership as a perk for buying from them. Many dealerships will throw in free car detailing and oil changes to entice people to buy from them. If there is something in the deal you simply don’t like, speak up and let the dealership know. They will probably have no problem changing certain terms to meet your needs better.Finding a dealership that is known for providing excellent customer service is crucial. By doing this, you can help to ensure you have a great car buying experience. When visiting a car lot for the first time, you need to test drive a variety of cars. Doing this can help you hone in on the type of vehicle you want.Take Your TimeFinding a great deal on a car is a time-consuming process. This is why you need to avoid getting impatient and making mistakes.
For many city dwellers, the appeal of the countryside has never been so compelling. A relaxed pace of life, strong communities and the health benefits of more rural living have never been in higher demand. Here in Chichester, we continue to see sharp increases in demand for properties – and wanted to explore what makes Chichester property so appealing to property seekers!The Property DivideThere has always been a contrast between both the type, and the price, of properties most sought after in densely built-up urban cities and more spacious regions. Prices per square foot increase exponentially in city centres, making family living in rural settings a hugely appealing prospect. It offers better amenities, more room for families to grow, and a less cramped home environment.Remote working has become recognised as a tangible asset to deliver the best in productivity to workforce teams across the country and is changing the way we work. It is no wonder that this adaptation makes the reality of being able to relocate to a West Sussex property more of an attainable aspiration.Commute times are accessible, industry leaders are recognising the potential of working from home, and so the freedom of choice to live outside of the city is becoming a popular choice.Work-life balance is more than a catchphrase; it is an essential part of creating a foundation for happy and prosperous family life. We are seeing this becoming more of a priority for property seekers across the southeast.When the Grass is GreenerA vital factor in choosing the best location for your home and your family is the lifestyle on offer. In a post-pandemic world, the real value of rural living is rising to the forefront of property owners’ checklists in essential criteria for their ideal home. Congested city life and the claustrophobia of tightly knit quarters has become an additional strain on urban living. In a health crisis, the appeal of supportive communities, fresh air and spacious lifestyles becomes recognised as a lucrative, long-term, investment.Further to this, the freedom of movement in locations with plenty of outdoor space, less dense populations and easily accessible transport links has risen in stark contrast to the cramped conditions of city living. Rural lifestyles aren’t, of course, just about the parks and the countryside, but are about community. Smaller class sizes in schools, friendly neighbourhoods and the social aspect of becoming a proud West Sussex property owner add to the appeal.This appreciation of the quality of life on offer for local homeowners is driving Chichester towards being one of the most sought after locations in the UK.Chichester stands alone in offering a harmonious blend of urban and rural life, with the modern amenities that make such a difference to the convenience of our lifestyles. Both a cathedral city and the county seat, but also an urban setting nestled in the beauty of the South Downs, with the elegant Chichester Harbour adding another perspective to this most unique of cities. It combines the best in relaxed living and family comfort with excellent travel connections, being a short train ride from London, and the flexibility of homes that lends itself perfectly to property buyers looking to broaden their horizons.Chichester Property in the SpotlightWhile the city is becoming ever more popular as a West Sussex property location due to the lifestyle benefits on offer, it has always been a sought-after investment spot particularly for people looking to relocate from London.West Sussex, with Chichester as the jewel on the crown, is a prestigious location with much to offer for all types of property owners. As a heritage city with a wealth of historic sites and beautiful Edwardian and Georgian architecture, the cathedral city sits apart as a location with charm and attraction like no other.Chichester Harbour offers not only access to prestigious yacht clubs such as Bosham and Itchenor but is also a perfect location from which to enjoy the scenic attraction of life on the water. The Harbour and the walk through Dell Quay are hugely popular, with contemporary dining sitting harmoniously alongside peaceful country walks. With the abundance of outstanding natural beauty sites surrounding Chichester and adorning West Sussex, there is no wonder that the unique appeal of the South Downs and relaxation spots in recreational areas such as Priory Park combine to create something exceptional.With an outstanding standard of educational establishments, the county seat is also a vied for property location for families valuing the prestige of schools such as Chichester College and Chichester University. These offer exceptional opportunities both for younger children and further education alike. Adding into the mix Witterings Beaches just a short distance away, and the appeal of Goodwood and all the events on offer makes Chichester a dynamic, multi-faceted and attractive location.Chichester Cathedral sits as the pinnacle in the region. It denotes the contrast of modern living and unique history, beatific countryside and luxe amenities, and outstanding education opportunities along with a high standard of family living.West Sussex PropertyIn a climate of self-care and a heightened sense of needing to establish a haven, it isn’t surprising that Chichester has become top of the list in desirable property investments. However, that doesn’t preclude buyers who are looking to take their first step on the property ladder, or new families looking to move to the area.Chichester is a city of scope, with properties of all sizes and development opportunities. You will find astonishingly luxurious family estates in Dell Quay alongside help for first-time buyers looking to invest in spacious apartments. Stylish Edwardian apartment buildings offer high ceilings and a breath of fresh air while providing lucrative opportunities to become part of the property owner’s community in Chichester.While it is renowned for offering a unique location for family residences, the charm of Chichester isn’t lost on younger professionals. They recognise that the quality of amenities provides all the modern luxuries you might expect while being just 90 minutes from central London. Connections are essential for every business, and Chichester residents can access Southampton, Brighton and Portsmouth in less than an hour, Gatwick Airport in an hour and central London in 90 minutes. These high-speed train connections and the convenient links to the logistical arteries of the southeast add to the mix to make Chichester the ultimate West Sussex property location.Chichester has always been a smart investment and continues to grow in popularity. Now is an ideal time to make your move as the property market emerges from a period of calm. Whether you are looking to obtain the best value for your property, or are seeking a relocation to establish your home as part of our city community, get in touch today.Our friendly Chichester team is on standby to provide our full support in making your home move live up to the best of your aspirations.Tod Anstee Ltd is one of the largest and most experienced firms of independent estate agents in Chichester and West Sussex. If you are trying to make sense of the marketplace, have an ongoing project which you need advice on, or are trying to work out the optimal strategy to take advantage of market opportunities and plan for the future, give us a call on 01243 523723 or complete our quick and simple online contact form, and we will be happy to help!Resource - http://todanstee.com/latest-news/what-makes-chichester-property-so-attractive/
FHA advance is a home loan alternative gave affirmed Lenders and guaranteed by the Federal Housing Administration (FHA). It's an incredible alternative in case you're searching for a littler up front installment. It is additionally accessible for all pay level and may permit you to utilize a blessing or award for all or a bit of your initial installment or shutting costs. Our accomplished group can give you the help you need so as to buy or renegotiate a home. We have an advance program to buy a home with as low as a 580 FICO assessment. We can even assistance you to discover a FHA new home development credit or 203(k) recovery advance. In case you're a first time home purchaser and not certain how to purchase a home, if it's not too much trouble get in touch with us. We can make your stride by step process until you move to your fantasy home. With manual guaranteeing and involvement with this industry, we can close extreme credits when most banks and moneylenders state "NO."What are the Benefits of a FHA Loan?FHA home credit programs ordinarily help first-time homebuyers, seniors or others with limits on what they can bear. It likewise help when customary standard mortgage program doesn't meet all requirements for past record of loan repayment or low credit.Are There Limits to a FHA Loan?Some FHA home advances have an advance worth top dependent on the spot, however remember that the run of the mill FHA up-and-comer as of now has monetary cutoff points. That makes this less of an issue. The program has no base FICO rating, in spite of the fact that the bank may, and the odds of endorsement improve as the scores get higher.Need a fixer-upper?FHA has a credit that permits you to purchase a home, fix it up, and remember all the expenses for one advance. Or on the other hand, on the off chance that you own a home that you need to re-model or fix, you can renegotiate what you owe and include the expense of fixes - across the board advance.Does FHA offer any exceptional advance program for seniors?Is it true that you are 62 or more seasoned? Do you live in your home? Do you own it inside and out or have a low advance equalization? On the off chance that you can answer "yes" to these inquiries, at that point the FHA Reverse Mortgage may be directly for you. It lets you convert a segment of your value into money.What about fabricated homes?Indeed, FHA has financing for manufactured homes and production line assembled lodging. There are two advance items – one for the individuals who own the land that the house is on and another for manufactured homes that are - or will be - situated in trailer park.FHA permits the borrower to get the assets important to close from a few sources. They incorporate such territories as close to home reserve funds, endowments, awards, advances from retirement records and vender commitments. In case you're a first time home purchaser and having capability issue because of low or new credit, salary un-soundness, or past record; FHA could be your most ideal choice. Apply online today and let us help you to locate the most ideal home loan advance.