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TARA TALA WARE HOUSE FAILURE||ROLE OF MAYOR FIRHAD HAQIM

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  TARA TALA WARE HOUSE FAILURE ROLE OF MAYOR FIRHAD HAQIM SARASIJ MAJUMDER On the above, I will discuss some minimum but most important technical points, which have legal implications. First the cause of failure shall be established. State Government must be getting it done by a competent company. I will just explain a few things for general understanding. It may be a failure due to ENGINEERING, or Inferior Material used, or Method of Construction adopted, and Execution was wrong. It may even be a combination of more than one above. Normally this type of BUILDING has a combined Factor of Safety of 100%. The failure happened because even this limit was exceeded in more than one, rather several   critical structural components. Otherwise—collapse would have been Local, and limited. Cause Must Be Ascertained. Mayors can sign technical documents, but their signature typically serves as an Administrative Formality Or Executive Authorization , rather than certifyin...
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SYSTEMATIC INVESTMENT PLAN

SIP: PROS & CONS

SARASIJ MAJUMDER

 

NDA-3 commenced. Budget for this FY will soon be placed in Parliament. TAX rebate is expected, which will increase Consumption, boost economy, FMCG sector, INFRA sector due to GOI economic action and also enhance GST and IT deposit. Market is expected to be BULLISH.

I suggest, you  think of long term investment through SIP. This route is best for those who are otherwise busy, and not so Investment Savvy.

I discuss below investment rough  SIP  in some details.

A Systematic Investment Plan (SIP) is a method of investing in mutual funds. It allows investors to contribute a fixed amount of money at regular intervals (e.g., monthly, quarterly, etc.) into a selected mutual fund. Here are some of the pros and cons that you might want to consider before investing through a SIP:

Pros of SIP:

1. Disciplined Saving: SIPs encourage regular saving habits as they require fixed amounts to be invested at regular intervals. This disciplined approach helps build wealth over time.

2. Rupee-Cost Averaging: By investing a consistent amount at regular intervals, you purchase more units when prices are low and fewer units when prices are high. This averaging reduces the risk of investing a large amount at the wrong time.

3. Compounding Benefits: With SIPs, you regularly invest a fixed amount. Over time, not only does your investment grow, but the returns you earn also start earning returns. This "snowball effect" means your money keeps growing faster the longer you invest.

4. Convenience: Once set up, SIP investments are automated, which makes them convenient and reduces the hassle of actively managing once own portfolio. There are customizations available, which include SIP step-up, also known as SIP top-up, STP or Systematic transfer plan, and SWP or Systematic withdrawal plan

5. Low Minimum Investment: SIPs allow investors to start with small amounts, reducing the barrier to entry for individuals with relatively smaller salaries or capital in hand. One can start SIPs with as low as INR 100 for the chosen frequency.

Cons of SIP:

1. Returns Depend on Market Timing: While SIP helps reduce the impact of volatility, the total returns are still dependent on the overall market performance across your investment periods. Poor market performance can affect the accumulated fund value.

2. Liquidity Issues: Some SIPs, especially those in equity funds, may have lock-in periods (like ELSS funds) or exit load are charged basis the percentage mentioned in Scheme Information Document (SID) for early withdrawal, which can affect liquidity. One needs to be mindful of the investment objective and extra cautious of the risk profile, when choosing a fund for SIP investments.

3. Cost Averaging Limitations: In a consistently rising market, rupee-cost averaging may result in higher average purchase cost compared to a lump sum investment at the beginning of the period. This is a situational disadvantage, obviously subject to the market situation.

4. Requires Long-Term Commitment: To truly benefit from compounding and averaging, SIPs require a long-term investment horizon. Short-term investors might not see significant benefits.

5. Over-Diversification: If not properly managed, investing in multiple SIPs can lead to over-diversification, which might dilute returns as much as it spreads risk.

Understanding the above pros and cons can help investors decide if SIPs align with their investment goals, risk tolerance, and financial circumstances.

I think NIFTY 50, and Défense Index funds are good options. You need a DEMAT account, if you are not having already.

Read my other BLOGS on investment, already posted,  links furnished below.

FOR FURTHER READING:

1.0 https://sarasij1majumder.blogspot.com/2023/12/mutual-funds-for-long-term-investment.html

2.0 https://sarasij1majumder.blogspot.com/2024/01/seven-mutual-funds-warren-buffetts-buy.html

3.0 https://sarasij1majumder.blogspot.com/2024/05/investing-in-psu-effect-of-new-policies.html

Disclaimer

This BLOG is for EDUCATION purpose only. Any investment in the Money Market has associated risk.

 

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