OnlineTradingInvesting.com
OnlineTradingInvesting.com was created mainly for helping beginner traders, advanced traders & investors of all levels and to teach them how to invest in the market and how to trade in the market, effectively and efficiently. It consists of all the very basics you need to know before getting involved in the financial markets. You will learn about the market in general, stock exchanges, stocks, the stock market in general, bonds, mutual funds, options, futures, currency trading – FOREX and many other things. The basic information is free and is included in the articles. We have also provided material where you can further your education and perfect your investment and trading skills. We have created this site so that new investors/traders do not go into the market uneducated and end up losing all of their money.
How to Invest in the Indian real estate market – Commercial & Residential Properties?
Indian real estate is on a boom with more and more companies targeting the NRI’s who plan to stay for a considerable time each year in India following their retirement abroad. New projects are being tailored to make it easy for everyone to invest in real estate in India and the facilities offered are top drawer. The facilities and infrastructure are nothing short of premium real estate in the UK and the US.
Make an Investment in India’s Real Estate: www.NriInvestIndia.com/real-estate.html
FDI needs to develop before selling
Foreign Direct Investment can come into India for buying and selling real estate, but there are some conditions that they have to abide by. FDI is allowed in the real estate sector only for development of real estate from the ground up, which will involve construction and beautifying before they can sell it. This has made it difficult for real estate majors from outside India to come in for trading purposes only. There has to be some real time effort in development of the real estate as well.
FDI’s NRI’s and PIO’s
The facility is on offer for FDI’s, NRI’s – Non resident Indians and also People of India Origin (PIOs) as they are known. FDI’s can invest in the land, construct on the land and develop it before they can sell it. This is a new development for FDI investment in the real estate sector that was not allowed earlier. In the past, for any new proposal, government approval and sanction was required. But with the new laws coming into place for FDI investment in real estate, no prior permission is required from the government.
Eased up policies
Earlier, FDI’s had to take approval from the government and they were restricted to the housing sector projects only. But with the new policies in place, they can invest in building townships, commercial areas and housing complexes from the ground up. There is no basic rule about the plot size, but a minimum requirement is still in place. FDI investment in the real estate sector has to be for a minimum of 50,000 sq meters for construction purposes. If you buy land for development only, it has to be a minimum of 25 acres only.
The paper work and the earlier formalities have been eased up making it easier for investors to plough their money into Indian real estate. Before getting into the Indian real estate sector, check the market, take advice and suggestions from everywhere you can including close consultations with your relatives to get an idea of the prospect of the real estate plot you are interested in investing in.
Take government policy intro account
You should also take into account any government or municipal projects in the pipeline that can have a direct bearing on the cost of the finished construction. There are legal firms whom you need to consult as well as real estate consultants who can give you an upfront idea about the investment possibilities that are emerging at the moment. You can take advantage of the real estate boom only of you can stay invested for the long term.
You should be clear about your objectives and check various agencies depending in whether you are interested in commercial or residential real estate. The FDI investing in Indian real estate has to take into account all the parameters before plunging in. You should have a clear idea about the city, the growth prospects and also the kind of government that is in power to factor in all kinds of eventualities as well. The yields can only be calculated once you have all the information details at hand.
Please feel free to contact us if you want to buy a house in India. We act as a NRI broker who will help you to buy or sell a home in India. Basically getting you the best NRI property deal in India.
Pension plans are great advantages for a regular and comfortable income after retirement. Insurance companies also offer them to individuals for generating a regular stream of income after retirement. They are not life insurance plans, but made in installments or lump sum payments which you end up making for a given period of time. They can be made quarterly, half yearly or annually for life or a fixed number of years.
Get Free Financial Planning:
www.NriInvestIndia.com/insurance.html
Annuities
You need to know some basic differences between annuities and a life insurance cover. Unlike life insurance cover, annuities do not offer a guarantee for an income for life or a fixed period of time. Annuities are bought for the sole purpose of generating income which is like pension after you leave service and decide to live a comfortable life. If you buy a pension plan or an annuity, you could be assured of generating a life time income.
If you retire from service with a large superannuation benefit, you would need a perfect pension plan so that you can effectively invest the money and earn a comfortable income. These payments are annual in nature and spread in such a way that you won’t be hard pressed paying them.
A life annuity will guarantee a specified amount as long as you live and after your death, the money invested will go to your nominee. For a guaranteed period annuity, your nominee will get a fixed amount of money for a predetermined number of years.
Under the annuity certain plan, the stipulated annuity is paid for a predetermined number of years and stop after some time which could precede your lifetime. For deferred annuities, the amount is deducted from your taxable income during payment and the interest will not be taxed right away. But the proceeds of the annuity will be taxed as soon as you receive them. You can choose from a wide array of pension plans in India like UPIL, Tata AIG, Reliance, and those offered by Bajaj, LIC, ICICI and HDFC.
Compare maturity payouts
In maturity payouts, you will receive the entire corpus as son as it matures. For pension plans, you will have the option of withdrawing a third of the maturity amount. In the case of death benefits, the nominee will receive the entire sum and bonuses. You can also take the option of receiving the entire amount in cash which can be used for buying up annuities. People looking for pension plans also look for death benefits to ensure their dependents live a reasonably comfortable life after their deaths.
You can also avail of loads of tax benefits as well under section 80 c. For premiums paid up to Rs 1 lakh yearly, they are eligible for deduction. Premium payments towards pension plans are also eligible for deduction.
You can end up preparing for your future, securing a comfortable lifestyle when you retire as well as enjoy tax benefits on your present income. The pension plans are fantastic and can ensure that your stay in India after retirement will be full of fun and frolic. If you are reasonably healthy, there is no way of lowering your lifestyle.
Maturity payouts are not taxed in conventional insurance plans and the money is absolutely free right from the time you receive it. A third of the maturity amount, if withdrawn, will be treated as tax free. Marginal rate of tax will be employed on the balance amount. There are several options in pension plans and your best bet would be to opt for the one that would suit you best. To begin investing is not easy as you need to check out the websites of the insurers and pension planners and compare their features.
