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Wealthgenerators

BOUNCE FOLLOWED BY LOWER PRICES FORECASTEDWhile the higher degree long-term outlook for this dividend giant is bullish, the short-term outlook is not likely to bring new all-time highs. Earlier this year we anticipated new all-time highs, but that changed when KO hit it’s 63.18 low last week. What changed the forecast was the technicals surrounding that low. While the price action is currently cooked to the downside, there are no clear indications of a reversal, with the weekly RSI indicating more room to the downside, and the MACD supporting that theory. This tells us to turn to the most telling indicator, which is volume, which indicates there is still strength to the downside. That said, we know the market does not move in straight lines and a strong bounce off the 63.18 low is likely. We currently forecast that bounce to target the round number zone of 70, forming a B-Wave rejection of higher prices, that will be followed by a C-wave, which will likely target the weekly point of control around 60. With that in mind, C-waves can truncate their targets, especially when the ticket involved is a popular long-term dividend target like KO, and we are talking about a long-term low that will create a significant buying opportunity. That said, if you can deal with the near-term volatility, the 63 zone may not be a bad entry zone.
NYSE:KOLong
by BlueLineTradingLLC
1
Tata Group stock- A generational wealth builder?IHCL is one of India’s leading hospitality companies. They are continuously increasing their portfolio of properties and diversifying their presence both across Bharat and the whole globe. The expansion is taking place at a rapid place. The company has also reduced its debt successfully to pre Covid levels which is a positive sign. It has increased its operating profit margin from average 15% to a good 30%. The revenue is also at its high and it will definitely increase in the coming future with increasing portfolio of hotels. Increase in price of land and increasing property prices will also be a key factor in increasing the book value of the company which will further increase the share price. Thus it is a good opportunity to invest in this company. The stock may go down from 600 levels as the stock has given a good run up in the last year but for long term view small falls should not effect us. The company is looking healthy for parking money for 15-20 years. Hope you like my analysis. Please do your own analysis before investing. Do like and follow and share among your friends and family. Thank you.
NSE:INDHOTELLong
by ronak16125
Financial Planning: An IdeaHello Trader Today we have to talk about financial knowledge, how important is it to have financial knowledge and whether can it make us financially free. Let's begin, Everyone needs money to survive. Financial planning is the process of managing your money wisely to achieve your financial goals. It involves planning your future finances keeping in mind your current situation. In simple terms, financial planning helps you answer questions like: How can I save more money? When can I comfortably retire? How can I pay my debts? All these questions are very important if you want to be financially free * Financial planning helps you identify your long-term and short-term goals, whether it's buying a house, children's education, or retirement so that you don't have to worry about anything. * An important aspect of financial planning is insurance. It helps protect you and your loved ones from unexpected events like accidents, illnesses, or the loss of a loved one. By getting the right insurance coverage, you can minimize the financial disaster of such situations. * Investments are also a part of financial planning. It involves putting your money into different types of assets, such as stocks, bonds, or real estate, to grow your wealth over time. Financial planning also involves knowing where to allocate your investments accurately. Finally, financial planning includes preparing for retirement. It involves estimating how much money you will need in retirement and determining how much you should save each month to reach that goal. Retirement planning ensures that you can enjoy a comfortable and financially secure life after you stop working. Types of financial planning 1) Tax Planning Tax planning is the process of arranging your finances in a smart way to pay the least amount of taxes while staying within the rules set by the government. It involves making decisions about when to receive income, how to spend money, and which deductions or credits to take advantage of. The goal is to legally reduce the amount of taxes you have to pay, so you can keep more of your hard-earned money. Types of Tax planning Tax planning is a way to reduce the amount of tax you have to pay. But it's not just about that - it also tells you how to make smart decisions with your money to reach your financial goals. By investing in the right things at the right time, you can increase not only the tax but also your wealth. So tax planning is not just about minimizing taxes, it's about making your money work for you. Following are the various methods of tax planning (A) Short-term tax planning In short-term tax planning, individuals or businesses focus on finding legal ways to reduce their tax liability as the end of the fiscal year approaches. It does not require long-term commitments but can still result in significant tax savings. (B) Long-term tax planning With long-term tax planning, individuals or businesses create a tax plan at the beginning of the fiscal year and follow it throughout the year. While immediate tax benefits may not be available, this approach can be beneficial in the long run. (C) Permissive tax planning Permissive tax planning involves utilizing various provisions within the tax laws of a country, such as deductions, exemptions, contributions, and incentives. For example, in India, there are provisions like Section 80C of the Income Tax Act, 1961, which offer deductions on specific tax-saving investments. (D) Purposive tax planning Purposive tax planning involves using tax-saving instruments with a specific purpose in mind. This strategy ensures that you maximize the benefits of your investments. It includes carefully selecting suitable investments, having a plan for replacing assets if necessary, and diversifying business and income assets based on your residency status. 2) insurance planning If you don't plan properly for insurance, unexpected events in life can leave you financially vulnerable. By insurance planning, you can identify the risks that may affect your life and choose the right insurance policy to protect against those risks. So that you can protect yourself and your family financially in the future. Let's talk about the benefits of insurance planning (A) Protection from Unexpected Events Having a good insurance policy helps you reduce the financial risks associated with things like illness, accidents, or even death. It ensures that you and your family are prepared to face these unexpected challenges without having to give up your quality of life. (B) Different Types of Insurance Coverage * There are different types of insurance policies that cover various risks. For example, health insurance plans cover medical emergencies, hospital expenses, medications, and doctor visits. * Life insurance or personal accident insurance provides coverage in case of premature death. * Motor insurance protects your vehicles against theft, accidents, and liabilities to third parties. * Travel insurance policies offer coverage for unexpected events during your trips. By choosing the right combination of policies, you can create a complete financial protection plan for yourself and your family. (C) Financial Protection Insurance planning provides financial security by compensating for losses incurred during covered emergencies. It helps you recover financially from unexpected situations and protects your savings. (D) Tax Benefits Certain insurance plans also provide tax savings. For example, the premiums you pay for health insurance are eligible for tax deductions under the Income Tax Act. This means you can lower your taxable income by purchasing specific insurance policies. (E) Peace of Mind Having a well-planned insurance portfolio gives you peace of mind. You don't have to worry about losing your savings due to unforeseen events. You can also plan for the financial well-being of your family even after your death by using term and life insurance plans. Insurance planning can be easier if these points are kept in mind 3) Investment planning * Investment planning is a process that helps you make smart decisions about your money. * It involves thinking about your goals and figuring out the best ways to use your money to achieve those goals. * There are various options for investment, such as putting your money in stocks, bonds, or property and earning good profits. * This planning helps you build a strong financial foundation and make adjustments as needed. Here I will tell about 7 benefits of investment planning (A) Building Wealth Investment plans with life insurance are a reliable way to grow your wealth over time. As an investor, you can choose the plan that best suits your needs based on risk, returns, and the amount you can invest. These plans can provide financial assistance for future expenses like your child's education, their wedding, your retirement, or a pension. (B) Financial Security Life insurance policies offer both life coverage and investment options. They take care of your family financially by providing both survival benefits and death benefits. When the policy matures, you receive returns with profits. This ensures long-term financial security for your family. In the unfortunate event of your demise before the maturity period, the insurance company pays the sum assured to your nominee, providing financial protection to your family. (C) Coverage for Death Risk Not all investment options offer coverage for the risk of death, but investment plans with life insurance do. These plans include death risk coverage, ensuring that your family's financial needs are taken care of even in your absence. The sum assured is paid to the nominee in the event of your death. (D)Retirement Savings You can purchase these investment plans at any stage of life, allowing you to create a retirement corpus. By investing in these plans, you can become financially independent even after retirement. (E) Flexibility These investment plans offer flexibility in terms of the amount you can invest and the duration. You can choose what suits your needs and financial planning. (E) Tax Savings Investment plans not only provide risk cover and help accumulate wealth, but they also offer tax savings. The premiums and payouts are exempted from tax under sections 80C and 10(10D) of the Indian Tax Act. These plans offer a perfect combination of savings, wealth creation, financial protection, and tax benefits. (F) Loan Facility Life insurance investment plans can also act as loan facilitators, depending on the coverage you have, the premiums paid, and your eligibility for the loan amount. 4) Retirement planning * Retirement planning is the process of preparing for life after you stop working. * It involves thinking about how much money you will need to live comfortably when you are not earning a regular income. * Retirement planning tells you how to save and invest your money wisely to have enough funds to support yourself during your retirement years. * Retirement planning is essential so that you can enjoy a comfortable and worry-free life when you decide to stop working. Understanding retirement planning * Retirement planning is the act of preparing for life after employment, which includes not only financial aspects but all areas of one's life. * Beyond financial considerations, retirement planning includes lifestyle choices, such as how to spend time, where to live, and when to stop working altogether. * Retirement planning focuses on different stages of life. * In the early stages of a career, the emphasis is on setting aside sufficient funds for retirement. * As one approaches mid-career, it may also include establishing specific income or wealth goals and taking the necessary steps to achieve them. * Thus, retirement planning is necessary for you to lead a comfortable life at the time of retirement. 5) Estate planning * Estate planning is when you make important decisions about what happens to your money, assets, and liabilities after you pass away or if you become unable to make decisions for yourself. * This includes things like choosing who will receive your assets, making sure debts and taxes are taken care of, and even deciding who will take care of your children or pets. * People usually work with an attorney who knows estate law to help them plan. * Some common steps in estate planning include making an inventory of what you own and owe and checking your bank account. Process of Estate Planning * Estate planning is the process of deciding what will happen to a person's assets after they pass away and how their financial affairs will be managed if they become unable to do so themselves. It's important to know that estate planning is not only for wealthy individuals; anyone can and should consider it. * An estate includes things like houses, cars, investments, artwork, life insurance, pensions, and debts. People have different reasons for estate planning, such as preserving family wealth, providing for their spouse and children, funding education for future generations, or leaving a charitable legacy. * The first step in estate planning is usually creating a will. Other important tasks include * Setting up trust accounts to reduce estate taxes and benefit specific beneficiaries. * Designating a guardian for dependents who are still alive. * Choosing an executor to oversee the will's instructions. * Updating beneficiaries on life insurance policies, IRAs, and 401(k) accounts. * Making funeral arrangements in advance. * Making annual gifts to charities or nonprofits to lower the taxable estate. * Creating a durable power of attorney to handle other assets and investments. By taking these steps, individuals can ensure that their wishes are followed, their loved ones are provided for, and their assets are distributed as intended. 6) Cash flow planning * Cash flow planning is all about managing and predicting how money comes into and goes out of someone's or a business's finances. It means keeping track of how much money is earned (income) and how much is spent (expenses) during a specific time, usually every month or year. * The main goal of cash flow planning is to make sure there's enough money to cover important expenses, meet financial commitments, and achieve money-related objectives. It helps individuals and businesses make smart choices when it comes to spending, saving, and investing their money. * Basically, cash flow planning involves creating a budget or financial plan that outlines the expected sources of income and estimates of expenses. By analyzing and keeping an eye on cash flow, it becomes possible to spot potential shortages or surpluses and adjust accordingly. This way, people can manage their money better and make informed decisions on how to use their resources effectively. * When there's a clear understanding of cash flow, individuals and businesses can take proactive steps to ensure they have enough money to cover their needs, save for the future, and handle any unexpected financial challenges that might come up. * Thus by doing financial planning in this way and by doing this 6-step planning you can become financially free. Note: The next article is on the life cycle and wealth cycle in which I will tell you what percentage should be invested according to age and income. I apologize for the grammatical errors. Thank You! Money_Dictators By @Money_Dictators on @TradingView Platform
NASDAQ:NVDAEducation
by Money_Dictators
3
Nifty's negative breakdownNifty 50 today has Breakdown 50 DEMA. And also closed than 50 DEMA. i.e., 31.49 points lower. (Point B) On 16th September 2022 itself Nifty 50 has Breakdown from its previous trend (point A). Today its breakdown from 50 DEMA shown that market is moving downwards. Looking into previous strong supports two levels can be recognized 1. Around 16800. (200 DEMA) 2. 16000. psychological level. Apart from those two. Another bearish level is 14800 (But for that too much negativity must prevail in overall environment). Both the levels of NIFTY 50 are good to accumulate for index fund , till then stay with cash.
NSE:NIFTYShort
by nimish3274
GBPJPY Sell This is a continuation of our GBPJPY short position , and for those of you that have followed on the previous trade this will be an extra way of further boosting your revenues. For new comers, that will be a great opportunity to further support your analysis and find some of our research and analysis useful in your trading. While analizing this currency pair we have applied support and resistence plus looked at the MACD indicator for further support to our analysis. We will be looking at a TP set to 154.191 with the possibility of adjusting the TP by applying partial closures and moving the SL to entry level.
Short
by Atlas-Horizon
2
How Inflation Affects Our Savings & Our LivesFor the past few months, we’ve heard a lot in the news about increasing living costs. The cost of our essential goods and services – from our food to our electricity bills, housing, and electronics – is constantly rising. And our salary increases (if any) aren’t enough to cover the increasing cost of our basic expenses. I wanted to write this article for several reasons. I’m not trying to paint a gloomy picture, but rather to help people better understand the situation and how increasing prices affect our lives. So, as trivial as it may sound, let’s start with the basics and the basic definition of inflation. What Is Inflation? Inflation is the decline of the purchasing power of a currency over time measured amongst a pre-selected basket of goods. Now, here’s where it gets more interesting. The root cause of inflation is an increase in the supply of money in an economy. Our local monetary authorities (Central Banks and Governments) can increase the money supply, either by printing and giving away more money to individuals, by legally devaluing the currency, or by loaning new money into existence and purchasing government bonds from banks on the secondary market. In all such cases, the supply of money increases. Thus, your living expenses increase, your purchasing power decreases, and you get less for your money. There are some exceptions to this – but we will get into that a bit later when we look at possible solutions to this phenomenon. So, now, let’s review what we’ve seen for the past year, how inflation has affected our lives, and what our governments and central banks have done about it. What Are Governments Doing? Europe – The EU member countries agreed on a Pandemic Emergency Program. It’s designed to support the economies of member countries, and it’s worth 1.8 trillion euros. That’s a little over 2 trillion dollars. America – The US has several programs designed to help its economy. The first was a 3 trillion dollar program designed to help the US overcome the difficulties of the COVID19 pandemic. There are also several other programs going to the Senate for approval, all of which will further fuel the current inflationary cycle. What Level Of Inflation Are We Currently Experiencing? Well, this is a great question. It’s also a bit tough to answer. You might think that the easiest way to measure price increases is by comparing prices at the grocery store, at the petrol station, or with your landlords. And that makes sense. But you might not all see the same level of inflation from one item to the next. This is because the official inflation figures are calculated slightly differently, and they’re based on a so-called basket of goods. In the US, this “basket of goods” is managed by the Central Statistical Office. They decide what items to include in the basket and how often to change them. So, when the US inflation was calculated at 7.00% last week (the highest recorded rate in the last four decades), this was based on that specific basket of goods. That said, we’re seeing sharp increases in the official inflation data in many countries – with the UK hitting 5.40%, 5.70% for Germany, and 36% for Turkey. This means, regardless of each country’s chosen ‘baskets’, consumers worldwide are experiencing sharp measurable price increases. The more we get into the new year, the more we find ourselves asking when this vicious cycle will end. Experts are yet to agree on what kind of inflation we’ll see in the months ahead. However, the one thing that they all seem to agree on is that inflation is here to stay for the next two to five years. What Can We Do To Protect Our Savings And Plan For A Better Financial Future? There are a few options that you can consider. For those of you who prefer to take a more traditional approach towards money, well, these options might not be for you. But let’s explore all the options available to you, regardless of your age: 1 – Savings accounts If this has worked for you previously, I’m sorry to tell you that it might not work this time. Unfortunately, putting your money in a savings account is unlikely to be your best option when it comes to protecting your savings and your hard-earned money. This is because of the meagre interest rates on offer. When measured against the official inflation figures, with a 1% interest rate, you are still likely to be losing at least 4% – 5% of your actual purchasing power. While the official inflation figures might be around 7%, the level of inflation for your specific purchases could be as high as 12% to 15%. For simplicity of calculation, let’s look at an example. Say you had 100,000 USD or EUR in a savings account with your favourite bank, you would be making a whopping 1,000 USD or EUR in interest in a year (that’s assuming you are lucky enough to get a 1% interest rate from your bank). With inflation ranging between 12% to 15%, this means that you will be down between 11% to 14%. That’s a loss of about 11,000 to 14,000 USD or EUR per year. You won’t see that reflected in your bank account as numbers, but you will feel it when you go out to purchase goods. And let’s not forget that we are entering the 2nd year of high inflation – and that means twice the potential loss in buying power. 2 – Real estate In my country, we have a saying that if a person doesn’t know what to do with their money, they put it into real estate. It might still be a good choice; it depends on how you look at money. But with real estate returning between 7% -8% gross per year and with rising maintenance costs, it still might not make up for the 12%-15% increase in inflation. You might help to make a complete evaluation – one that factors in increasing prices and that factors in the size of your investment. If there is further inflation, or if you find yourself in sudden need of money, you may find yourself selling at a less than ideal price. Again, this doesn’t mean that real estate isn’t a good investment; it can be, based on your financial goals and investment horizon. Another thing to consider when evaluating your investment options is your purchasing power. It might help to compare the purchasing power of your investment now with the possible increase in the price of the property in the future. It might also help to keep in mind that if inflation goes up by 20% over three years, for example, then your property will need to go up by more than 20% in value for you to benefit from the investment. 3 – Bonds The FED is on track to raise interest rates in 2022. So, could government bonds be the way forward? 10Y US Treasuries are often considered the benchmark for a risk-free investment. That said, they don’t usually bring high returns. Let’s assume that, in a best-case scenario, you get the kind of high annual return we saw at the beginning of the century (5%-6%). Unfortunately, it still wouldn’t be enough to beat inflation and increase your overall purchasing power. 4 – Precious Metals Precious metals, in particular gold, have always been considered a great way to protect against inflation. One thing to consider: the financial markets haven’t been reacting very well recently to the idea of the Federal Reserve keeping a hawkish mood for the next year to come. In recent years, we have noticed how the inverse correlation between the stock market and gold has partially vanished during “cold” periods of general selloff. To avoid getting liquidated on their positions on stocks, big players would rather start selling massively their positions on assets where they have gained substantial profits, as it could be on gold. The result: massive drops also on the precious metal. This means that the old-fashioned hedge against inflation might have severe volatility in price during a bear market. 5 – Cryptocurrencies Cryptocurrencies are considered the new store of value. They have recently been compared to precious metals and sometimes been referred to as digital gold, especially when we talk about the king of cryptos – Bitcoin. Bitcoin has proven to be a great store of value, providing stellar performances in the past years, closing 2021 with +57%. Investors who have been able to jump on crypto projects at early stages have been able to get stellar returns in the sphere of 3 to 4 digits percentage. The only tiny issue with cryptos is that they require a cold-blooded investor, being able to “hodl” during periods like the current one, where they have been losing across the board more than 50% of the picks. It’s an investment that requires a very high appetite for risk. Be sure to take a look at our blog for more content. And don’t miss out on our free webinars. Next up: “How to protect your crypto investment against adverse market movements”.
ECONOMICS:USCCPIEducation
by Atlas-Horizon
Passive Wealth AccumulationI am going to introduce a controversial topic… investing. This is an important topic considering this is a finance blog. Why is it controversial you may ask? It is controversial because many people do not partake in it, therefore by logical reasoning, it is controversial. The original purpose of my starting this blog was to encourage people to invest. In this article, I am going to dive into the fundamental reasons you are losing out by not investing. The easiest way for me to do this would be to link to sources from reputable individuals like authors, hedge fund founders, billionaires, etc. However, that would be too easy and you could do that on your own. I will base my thesis on three fundamental components; historical returns, inflation opportunity costs, and asset appreciation. So let’s start this deep dive with the S&P 500. If you don’t know what the S&P 500 is it is simply a basket of the 500 largest companies in the US. Let’s talk about some historical events that caused massive sell-offs in an index. I will use approximations of the S&P500 price for simplicity. -Market Crash of 1929 Peak: $30 Trough: $5 Percent: -83% -Market Crash of 1987 Peak: $330 Trough: $220 Percent: -33% -Dotcom Bubble Crash of 2000 Peak: $1500 Trough: $800 Percent: -47% -Financial Crisis of 2008 Peak: $1560 Trough: $670 Percent: -57% -COVID Crash of 2020 Peak: $3350 Trough: $2310 Percent: -31% -July 9, 2021 - $4360 Relative return from 2020 Trough - 89% Relative return from 2008 Trough - 551% Relative return from 2000 Trough - 445% Relative return from 1987 Trough - 1882% Relative return from 1929 Trough - 87,100% Let’s visualize this if your great-grandparents would have invested $100 at the trough of the market crash in the 1920s. That would have bought you 20 shares, which in today’s market is equivalent to $87,100. Alternatively, if they left those same $100 in a deposit box, well you would have $100. Quite the antonym if I do say so myself. The idea of inflation is vague to some people but the reality is that the money in your pocket today will have more practical utility than any time in the future. I can almost guarantee it. The FED (US Central bank) has two mandates, stable prices, and maximum employment. So, as we recover from the COVID induces economic slowdown, the FED used all of its tools to stimulate the economy, including the federal funds rate to 0% (FED loan rate) and quantitative easing (increase the money supply). Essentially, these two tools, while useful, in the short term create drastic inflation as seen in recent Consumer Price Index (CPI) data. Some year-over-year prints have seen as high as 4.2%, almost double the (2%) baseline level. All in all, inflation will persist and inflation is the enemy of savings as it deteriorates its buying power. My third and final point toward my trifecta-investment thesis is that assets appreciate faster than wages growth. Personally, this is the biggest reason I invest. The proof is in the pudding. Think about the richest people on earth, how did they accumulate their wealth? It certainly wasn’t from working a 9-5. They own their respective companies and as the asset grows so does their wealth. In my personal belief, this is the reason for the tremendous wealth inequality we are currently experiencing. While a handful has billions in assets, others live paycheck to paycheck. To put this in perspective, the S&P rises on average 6-8% a year, while wages often increase less than 2% in the same time frame. That’s a 3-4x better return on something completely passive. In essence, work smarter not harder. My best investment advice is and will always be to buy the S&P500. For many years I refrained from using buying the S&P500 because it was always making record new highs. I thought that I will buy it after the next big sell-off, yet every time that sell-off comes I think there will be another leg down essentially a self-defeating prophecy. Interestingly, if you have ever bought the S&P and held you have made money because as of July 9th, 2021 close it made another all-time high. Will it persist? If history is any indication of the future, it will. If nothing else, by investing in the S&P500 you are betting on the prosperity US economy. That is a bet I am willing to make.
TVC:SPXLong
by howdydany
GBPNZD is Bearish !!!! SELL.GBPNZD is currently on a downtrend and price is currently in a zone of interest at the 61.8 % fib level. I am currently looking for a break out and retest out of my Asian box. Expecting a move around 3:30am or at 4:30am est. My chart markup was done on a 1hr. Looking for entries on the lower time frames for selling confirmation. If you like this idea or have your own opinion about this pair, please comment below box. I would love to reply. Trade at your own risk. Have A Good Trading Day!
Short
by Keymc