MAE Money, C13, CMC Colony, Sathuvachari, Vellore (2026)

14/01/2021

President-Elect Joe Biden, set to be inaugurated on 20 January, has pledged to build a diverse administration that "looks like America".

The Biden-Harris election campaign had made the following proposals for amending TCJA: Corporate tax to be increased from 21% to 28%, which probably represents the steepest ever increase in recent years in any country globally.

Biden’s top technology adviser helped craft California’s landmark online privacy law and recently condemned a controversial federal statute that protects internet companies from liability. There are reasons to believe a Biden administration will actually kill net neutrality.
1. Revived net neutrality regulation will demonstrate its folly
2. Big Tech may choose to soften their net neutrality support

Combating climate change: Joe Biden says 'no time to waste' as climate team unveiled. Biden has introduced his climate and energy team with an "ambitious plan" to combat climate change. The team will include the 1st African-American to run the Environmental Protection Agency (EPA) and the 1st Native American cabinet member.

06/01/2021

Recent technological advances are driving several trends in wealth management for 2021. Although this sector has been historically slow to adopt new technologies, these new capabilities offer multiple opportunities for these firms to improve their bottom line.

Young investors have a particularly strong desire for a consistent experience across all communication channels, requiring solutions to be integrated into a firm’s existing operations. The profits of wealth management funds are slipping, making it challenging to retain clients who are switching to passive index funds. Advisors need to leverage technological approaches to develop offerings that meet changing customer demands by maximizing the value of customer data. Analytical capabilities can also estimate the probability that a client will accept an offered service through an agile distribution, such as a self-service channel. Managers can’t afford to lag behind retail bankers in this area because these clients are seeking digital experiences in all parts of their lives. Regulatory solutions will reduce the capital investment that wealth management firms need to make when responding to regulatory changes. They will also automate many reporting tasks that many firms currently perform manually.

05/01/2021

Investment management refers to the handling of financial assets and other investments—not only buying and selling them. Management includes devising a short- or long-term strategy for acquiring and disposing of portfolio holdings. It can also include banking, budgeting, and tax services and duties, as well.

Investment management firms handling over $25 million in assets must register with the SEC and accept fiduciary responsibility toward clients.
When based on the combined holdings of the 500 biggest investment managers, the global industry had approximately US$93.8 trillion assets under management (AUM) in 2018. This figure was over US $100 Trillion by year end 2019, but in the aftermath of the COVID-19 pandemic, the value of the holdings had significantly decreased.

According to The Economic Times, Apartment Investment and Management, which is spinning off Apartment Income REIT in a deal expected to be completed post market close on Monday, will no longer be representative of the S&P Composite 1500 indices market cap ranges, S&P Dow Jones Indices said in a statement.

The company has a market value of about $6 billion and its stock is down 21% this year. By contrast, Tesla's stock market value stands at around $600 billion, and its shares are up 600% year-to-date.

Investors make the mistake of buying or selling stocks too quickly, and then get caught up in the web of stock price swings and third party market chatter, leading to costly investment mistakes. Michael Shearn is the Managing Partner of the Time Value of Money Fund based in Austin, Texas, and author of a critically acclaimed book The Investment Checklist: The Art of In-Depth Research.

BBC News states that Bitcoin has risen in value by more than 170% since the start of the year.

KEY TAKEAWAYS:
• Investment management refers to the handling of financial assets and other investments by professionals for clients
• Clients of investment managers can be either individual or institutional investors.
• Investment management includes devising strategies and executing trades within a financial portfolio.

28/12/2020

"Risk management is the process of identification, analysis, and acceptance or mitigation of uncertainty in investment decisions.
• Risk is inseparable from return in the investment world.
• A variety of tactics exist to ascertain risk; one of the most common is standard deviation, a statistical measure of dispersion around a central tendency.
• Beta, also known as market risk, is a measure of the volatility, or systematic risk, of an individual stock in comparison to the entire market.
• Alpha is a measure of excess return; money managers who employ active strategies to beat the market are subject to alpha risk.

Inadequate risk management can result in severe consequences for companies, individuals, and the economy. For example, the subprime mortgage meltdown in 2007 that helped trigger the Great Recession stemmed from bad risk-management decisions, such as lenders who extended mortgages to individuals with poor credit; investment firms who bought, packaged, and resold these mortgages; and funds that invested excessively in the repackaged, but still risky, mortgage-backed securities (MBS).

Risk management is intended to minimize financial and other losses potentially associated with risks to your assets, business, or health.

GO AHEAD.
Manage your risks. Live a stress-free life.!!"

23/12/2020

Finance is a broad term that describes activities associated with banking, leverage or debt, credit, capital markets, money, and investments. Basically, finance represents money management and the process of acquiring needed funds. Finance also encompasses the oversight, creation, and study of money, banking, credit, investments, assets, and liabilities that make up financial systems....

21/12/2020

“If you do not find a way to make money while you sleep, you will work until you die.”
– Warren Buffet
The easiest way to make your money while you sleep is by investing. However, if the investments are not done in a planned manner with a proper objective in mind, it can even jeopardize your financial future.

So to help you invest in the right manner, we will talk about the things that you need to be mindful of before you start investing.
1: Know your investment goal:

Determine what you are investing for and what is the amount of money that you would need to achieve that goal.
For example, buying a car, travel the world, gift our parents an expensive watch, most of these dreams can be achieved by turning them into investment goals; and then figuring out how to attain them in a timely manner.
2: Know your investment timeframe:

Get an idea about by when you need to achieve that goal. For example, a goal that needs to be achieved within 3 years can be categorized as a short term goal. So if you are planning a cross-country trip across eastern-Europe in one year, and you are saving up with that goal in mind then it is a short term goal. Then, a goal that is 3 to 5 years away, like saving for the down-payment of a house, can be classified as a midterm goal. And long term goals are those which are more than 5 years away, like saving for your children’s higher education, their marriage, etc.

3: Know your risk tolerance:

Every investor needs to find out his/her own risk tolerance. Some products can give higher returns than others, but there might be more risk involved. For example, mutual funds usually provide higher returns than FDs but being market-linked they are riskier.

4: Know your asset allocation:

Different asset classes perform well at different times and hence if you have different asset classes in your portfolio it will ensure that investments are well-cushioned all the time.

5: Know which product to invest in:

Finally, you have to zero in on the product you want to invest in as per your investment goal..

09/12/2020

Financial empowerment brings in a new definition of financial health—one that balances both an individual's economic stability and emotional well-being. Financial Advisors can help a person improve their economic stability by extending their mental time horizon—helping clients get accustomed to thinking about the long-term consequences and benefits of their financial decisions.
Financial (Services+ Opportunities) = Financial Empowerment

"When More is Less: Rethinking Financial Health Report, Feb 2020", indicates specific patterns of people who feel empowered by their finances and those who don't with an axis measuring their overall emotional experiences.
Even in the lowest income ranges, people who feel empowered have positive experiences with their finances. People who's annual earnings didn't reach above around $100000 felt disempowered and didnt reach the positive range.

Amid the health and economic uncertainty all industries and individuals are facing from COVID-19,
there are 3 steps to be financially empowered to deal with the crisis:

• Financial health: Ensuring strong financial health with rigorous cash management to survive the pandemic

• Business continuity: Maintaining business operations is key to capturing revenue

• Get positioned for the new normal: Have the ability to make bold moves post-recovery

"" A sense of personal power and being in our financial lives ""

07/12/2020

Are financial goals and risk tolerance worrying you?Wealth Management is the solution for all these problems.

"According to BCG Global Wealth 2020 estimate, equities and investment funds will grow and outperform to provide a 26% CAGR in the period 2017-22 as compared to 19% during 2012-17.

Individuals with an asset valuation of more than Rs. 50L should look at the preservation of wealth and inheritance management.

According to The Wealth Management Global Market opportunities and strategies report, 95% of Indians with net assets of $50million or more increased their exposure to equities in the past years. Furthermore, the declining strength of the rupee against the dollar was another factor boosting wealth in dollar terms, and people started opting for wealth management.

"Manage your finances today for a stress free future"

04/12/2020

Managing your personal finance is not just balancing your expenses against your income but its also about creating wealth by building assets. Wealth creation is a long journey for the disciplined. The ideal time to start building assets is in the early 20s, right from your first paycheck. Yet, most of us fail to do so till the time we are in our 30s. But it is never too late; you can start your journey today with a few cautious yet straightforward steps with multiple instruments & mediums to put your investment. There is no dearth of providers and channels for you. However, it is important to choose where to put your money and how. That is where a financial advisor becomes your guide.
A financial advisor is someone who would look at your financial situation in an objective manner, align with your future goals and desires, understand your spending habits and design a plan for you to invest in the most feasible manner in the right financial instruments to achieve your financial goals. A good financial plan is based on your -
• Risk Profile
• Current & disposable income
• Financial goals
• Existing investments and savings and periodic reviews of the same
Your financial advisor would be able to help you navigate the process, explain the nuances and advise you to make a sound decision

Take the first step towards securing your future! "Consult a financial advisor today"
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02/12/2020

Are credit bills making you feel jaded? Find out different ways to get out of debts and live a debt-free life!

Debt is not a financial problem. It is actually a personal problem masquerading in financial clothing to deceive you.
If you're struggling and need a starting point for your debt-reduction strategy, here are some ways to get out of debt.
1. Gather your data & make a list of your debts and income
2. Ask your creditor to lower down interest rates and negotiate other bills
3. Create a Budget and Debt Pay-Off Plan and Stick to Them
4. Create an Emergency Fund which provides you with a safety net
5. Go through Credit Counseling and verify if the credit report is accurate
6. Cash out a Life Insurance Policy- borrow from the cash you've accumulated in whole or universal life insurance policy and put it towards your debt
7. Learn how to curb emotional spending & identify and avoid shopping situations that cause excessive spending
8. Try the debt sn*******ng method- Goal is sn*******ng all of your extra money towards your debts until they're demolished- and you're finally debt-free.

MAE Money

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