People School

IS INDIA MOVING TO FINANCIAL ASSETS? How India saves? Wealth concentrated in Gold, physical assets. How to change Investment behaviour? Low inflation alone cannot bring change. Must improve provision of unsecured credit. Market rally despite FII sell-off For the calendar year 2019, Rs.78,000 Crore came into Mutual Funds. This flow into MFs is just a chip of an iceberg Expectation is that if inflation is kept low, then large part of this household wealth will move to financial assets? Inflation alone cannot bring change. Fascination for Gold, Real-estate is multifaceted. Some are inflation motivated, deep-rooted cultural factors drive gold holdings, matri-lineal transfer of wealth within families, and Gold is collateral for low-income households, tax evasion. How does India save? Traditional savings patterns are simultaneous investment in Housings and lack of savings in Pensions for traditional joint families. But things are changing with nucl...

E-commerce comprises only 5 percent of India's retail market which shows that the industry still has a long way to go. We saw the e-commerce industry gradually flourish over the years. During FY19, the industry performed well and recorded higher growth on the back of an increase in internet users, and the easy availability of smartphones coupled with attractive data packages. The tightening of digital regulation rules and secured internet servers has ended customer worries regarding online payments fraud and brand authenticity, thus gaining consumer trust over time. As we are in a new decade, e-commerce comprises only 5 percent of India's retail market which shows that the industry still has a long way to go. Most of the people are getting to know this industry and many also strive to carve a niche for themselves by opening up online retail stores. According to a report, the e-commerce market in India is expected to reach $200 billion by 2027. The number of...

BRENT CRUDE | Price as on December 31, 2018: $54 per barrel | Price as on December 13, 2019: $65 per barrel | Return: 21.39 percent | NAV (if you had invested Rs 10,000 at the beginning of the CY19): Rs 12,139   GOLD | Price as on December 31, 2018: Rs 31,750 per 10 gram | Price as on December 13, 2019: Rs 37,870 per 10 gram | Return: 19.28 percent | NAV (if you had invested Rs 10,000 at the beginning of the CY19): Rs 11,928   EQUITIES | Nifty50 as on December 31, 2018: 10,863 | Nifty50 as on December 31, 2019: 12,087 | Return: 11.27 percent | NAV (if you had invested Rs 10,000 at the beginning of the CY19): Rs 11,127   PUBLIC PROVIDENT FUND | Return/Interest: 7.9% pa |  NAV (if you had invested Rs 10,000 at the beginning of the CY19): Rs 10,790 BANK FIXED DEPOSIT | Avg rate offered by Indian banks: 6.5 percent | NAV (if you had invested Rs 10,000 at the beginning of the CY19): Rs 10,650 CURRENCY (Rupee) | Va...

All about Amazon It sells more than 500 million products Amazon not just an e-commerce company, its everywhere. 1994   Founded by Jeff Bezos 1995   Sold first book out of his garage. 1998 Entered into entertainment business. Purchased 'IMDB.com'- a movie database. Now the company creates original content, including Oscar winning films under  ‘Amazon Studios’. By 2020, Amazon expected to spend $8 Billion on original content. 2005 Launched Amazon Prime, offering free 2-day shipping for a yearly fee. By 2017, 5 Billion prime packages shipped globally. 2006   Launched Amazon Web Services (AWS). It is the top provider of cloud computing. Today, Netflix is powered by Amazon. Lyft, Airbnb, Slack are other AWS customers. 2007 Released ‘Kindle’ e-book reader.  2008   Acquired ‘Audible’, an audio-book company. Today, Amazon controls over 80% of the e-book market. 2009   Acquired Zappos, ...

Black Money- Dr. Subramanium Swamy Definition: Flow of black money and stock of black money. Stock – In your house, under your pillow or abroad (nearly Rs. 65 lakh crore) Flow – (Rs. 15-30 lakh crore per year) How black money enters in to the country? Not through elections. Soviet Economic model of quotes and licenses, which were administratively priced (e.g. - contractors access to ministers for lobbying to get quotas/licenses) P V Narasimha Rao abolished quotas/licenses at one blow. Growth rate surged to 8% from 3-4%. The policies were designed by Dr.Subramanium Swamy under Finance minister, Dr. Manmohan Singh. But the credit was given to Dr. Manmohan Singh not swami for the blueprints provided. Electoral success depends on the economic reforms and a bit of emotional quotient. Certain institutions made black money untraceable, like Mauritius route. Mauritius, given a special status that anything of a Mauritius company will be exempt from tax. Com...