Investment Options
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The document discusses various tax saving investment options in India such as equity linked saving schemes (ELSS), life insurance policies, unit linked investment plans (ULIP), endowment policies, retirement income plans, public provident fund, employee provident fund, infrastructure bonds, and systematic investment plans, along with sample tax calculations showing how investments can help save taxes up to certain limits under sections 80C, 80CCC, 80CCD, and 80D of the Indian Income Tax Act. It also briefly mentions other non-tax saving investment options such as fixed deposits, fixed maturity plans, liquid funds, and stocks.
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Christopher Buzzard: To calculate the DSO ratio, a 365-day accounting year was used.36 Fixed Asset Turnover3.003.283 Total Asset Turnover1.501.701.8DEBT MANAGEMENT RATIOS (Section 3.4)Industry20102009AverageDebt Management ratios Debt Ratio53.20%47.62%40.00% Debt-to-Equity Ratio1.140.910.67 Market Debt Ratio48.06%38.10%N/A Times Interest Earned3.234.386 EBITDA Coverage Ra ...Australia's Superannuation System
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The document discusses Australia's retirement income system and superannuation landscape. It notes that Australia has three pillars for retirement income: the age pension, compulsory superannuation contributions, and voluntary superannuation savings. Total superannuation assets have grown to over $1.7 trillion and are projected to pass $7 trillion within 20 years. Superannuation is predominantly held in industry funds, retail funds, and self-managed superannuation funds. The size and role of superannuation in retirement income is expected to continue expanding significantly in the coming decades.Recently uploaded (20)
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Discover EaseMoney, a trusted finance and banking service provider in India. Our platform offers tailored financial products, including credit cards, savings accounts, loans, and investment opportunities. We collaborate with nationalized banks like SBI, Bank of Baroda, and PNB to deliver seamless financial solutions. Explore our Tracxn profile to learn more about our services, coverage areas, and future growth prospects.
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A cost-benefit analysis (CBA) is essential for anyone making business decisions, managing projects, or creating policies. It helps you evaluate how much something will cost versus the benefits you expect to gain so you can make smarter, more informed choices.
This guide will show you how to quickly conduct a cost-benefit analysis, considering an investment, a new project, or a policy change.
What is a Cost-Benefit Analysis?
A cost-benefit analysis compares a decision's costs with its benefits to determine whether the benefits are worth the costs. This process is helpful when resources are limited, and you want to make sure you are making the best decision for the future.
Example: Imagine your company is thinking about buying new software. A cost-benefit analysis would compare the price of the software to the benefits, like more productivity, lower labor costs, or better customer service. If the benefits are higher than the costs, the investment makes sense.
Step 1: Identify and List All Costs
Sometime recently, you can calculate the benefits, you are required to list all the costs included. These are coordinated or backhanded, short-term or long-term. Begin by composing down each conceivable cost.
Direct Costs: These are easy to identify because they're directly tied to the project, such as buying equipment or paying for materials.
Indirect Costs: These are secondary expenses, like administrative costs or the time needed for training.
Recurring Costs: These are ongoing costs, like maintenance or subscription fees.
Opportunity Costs: Consider what you're missing out on by choosing this option instead of another.
Example: In the software case, direct costs include the price of the software and the cost of installation and training. Indirect costs could be employees' time learning how to use the new software.
Step 2: Identify and List All Benefits
Now that you've listed all the costs, you must consider the benefits. These can be tangible (easy to measure) or intangible (more challenging but still meaningful).
Tangible Benefits: These are measurable in financial terms, like increased revenue or cost savings.
Intangible Benefits: These might be improved employee morale or customer satisfaction.
Example: The computer program might bring significant benefits, like higher productivity or diminished labor costs. Intangible benefits include ways to improve group resolve or progress client advantage.
Step 3: Quantify Costs and Benefits
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The return on Veritas' fixed-income investments was 6.7 per cent during the year, equity investments 12.7 per cent, real estate investments -0.7 per cent and other investments 7.9 per cent.
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Investment Options
- 2. Tax Savings Investment Equity Linked Saving Schemes (ELSS) Life Insurance Policies Unit Linked Investment Plans (ULIP) Endowment Policies Retirement Income Plan Money back polices Public Provident Fund
- 3. Tax Saving Investments Employee Provident Fund Equity Linked Mutual Funds Infrastructure Bonds Housing Loan Principal Fixed Deposit with Bank/Post Office for 5 years
- 4. Tax Benefit 39,088 Tax Saved 380 SHE cess 758 Education cess 37950 Total 3450 Surcharge 34500 Tax Rate-30% 115000 Premium Paid Ìý Save Tax upto Rs 39,088 u/s 80C (and/ or 80CCC (and 80CCD)) & 80D 33990 Tax Saved 330 SHE cess 660 Education cess 33000 Total 3000 Surcharge 30000 Tax Rate-30% 100000 Premium Paid Save Tax upto Rs 33,990 u/s 80C and/ or 80CCC (and 80CCD) Sample Calculations
- 5. Other Investments Fixed Deposit Systematic Investment Plan (SIP) Fixed Maturity Plan (FMP) Mutual Funds Liquid Funds Stocks