Archives February 2019

How SIP Investment is the best choice to opt for in 2019?

Introduction

2019 will be a very interesting year for SIP investments in India.  There will be some developments in the political and economic environment that will impact your SIP investments.  However, you can make the best of these changes by following these smart moves.

1. Volatility during elections- This being an election year, there will be a lot of market instability during April- May. The ruling party may or may not come back to power. Investors have high hopes of the NDA winning the elections and continuing the growth-related policies.

Many investors will most likely go slow or stop their investments. This is not the right approach.

Seasoned finance professionals say that now is the time to maintain the investment tempo and take advantage of the reduced rupee costs. What this means is that if you have invested in a SIP plan during the last 12-18 months, then you must stay invested. If you stop right now and the rupee value increases in the future, you are likely to miss the advantages of value appreciation.

2. Have a relook at large caps- In 2018, many large caps missed out on meeting their benchmark indices. This year too, large caps aren’t going to deliver any better. It would be prudent to invest in mid-caps in 2019. There is a caveat though; invest in mid-caps only if you have an appetite for risk in a volatile environment.

3. Leverage capital gains tax on mutual funds- Last year, there was some turbulence in the stock market because of the 10% capital gains tax on equity based mutual funds. Initially there was some panic selling by the investors but all that is history now.

Market watchers say that investors began pumping money back into the markets after realizing that the 10 % tax is not bad at all. There was an increase in the monthly SIP inflows by at least 20 % in 2018. Indeed, the small investor realized that for all investments less than 1 lac in a year, the 10% tax doesn’t matter much.

Lesson for the small investors- if you are putting in 5,000-10,000 rupees a month then continue doing so. However, they are cautioned to start harvesting their returns to avoid paying capital gains tax.

Big time investors (30,000-50,000 per month) should book their profits as soon as possible because after 2 years, their yields would fall in the capital gains ambit.

4. Save more to spend more in SIPs- This year from April 1, all the banks are supposed to align their home loan interest rates with the RBI repo rate or any other market benchmark rate.

What this means to the individual investor is that his home loan pay-outs can decrease overtime. The RBI has mandated that all the banks have to be transparent about how they set their interest rates. So, if you have taken a loan from a bank for your home then you can negotiate with it for a better deal. If you don’t …


Best Websites to Watch Free Movies Online

While many people prefer the good old torrent where all you need to do is find a movie’s torrent file with enough seeds and leeches for downloading it, torrent is in fact, illegal and may land you in trouble. The other option which you have left is watching some of these movies online, where you can directly stream them. While Putlocker is the most common option, it is not considered as good an option because of its high data usage and the ads which it has. Also, it is banned in many countries. Below is a list of 5 such free online movie streaming websites which can serve as a great alternative to Putlocker while also quietening down the movie maniac within you-

  1. YouTube Movies-

Everyone in this world who uses internet knows what YouTube is. For most people, the internet starts and ends at YouTube. While YouTube serves us with a daily dose of some of the best videos on the internet, YouTube also has a category known as YouTube movies, where you can find hundreds of awesome free movies for anyone to watch. Also, you can use YouTube movies to rent some of your favourite movies and have fun!

  1. IMDb

This website is most regarded as probably the best website for checking the reviews of movies, or for reviewing movies yourself. Most people don’t even know that you can also stream movies on this website. IMDb has a while different section where you can find a long list of movies which you can stream directly from the website. IMDb indeed provides a great alternative to Putlocker.

  1. MyDownloadTube

For those who want to watch the latest moviesjust as they hit the theatres, you might find it a difficult task to find a website where there are links which are not fake or broken. Fortunately for you, we have the perfect website by the name of MyDownloadTube. On this website, you can stream movies in different qualities at one click. Not only that. It also allows you to download all those latest flicks with ease.

  1. Archive.org

This world famous website provides you withold archived files which at one point of time were deleted from the original source. It also contains rare documents which have now been digitized. Here, on this link, you can also find a lot of archived movies which you can browse through and directly stream or download.

  1. WatchMovieStream.com

Today, it is the era of smartphones. Most of us prefer to use our smartphones for all the internet browsing, and the same thing is now applicable on watching movies. Using a laptop or a desktop is not just convenient anymore. For such movie lovers, 5.    WatchMovieStream.com is the perfect website. It has thousands of free movies, and it works nicely on all devices, so you can now watch movies on the go.

The above article sums up the best websites on which you can stream movies for free. They also serve as s great alternative to …