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Equity Mutual Funds for long term investing

Equity mutual funds have potential to provide risk-adjusted long term returns. You can choose to invest in equity funds such as diversified equity funds, ELSS (Equity Linked Savings Scheme) or large-cap funds, or even emerging themes in Equity investments such as ESG (Environment, Social and Corporate Governance) equity funds, etc.

The benefits of equity mutual funds include:

Professional fund management: Managed by professional fund managers who research and analyze the performance of various companies, and invest in the stocks that could deliver long term risk-adjusted returns to the investors.

Easy on the wallet:You can invest in equity funds through the SIP (Systematic Investment Plan) mode, wherein you can make weekly, monthly, or quarterly investments as low as Rs. 500.

Power of compounding: Grow your wealth with the power of compounding where your earnings get reinvested and compounds over the long term.

Potential to Cope better with inflation: You need to look for investments that provide more returns than the prevailing inflation rates. Equity has the potential to cope better with inflation in long term ..

Rupee cost averaging: Equity Mutual funds are more volatile than debt mutual funds. Your equity mutual fund is not likely to provide consistent returns during the period you are invested in the fund. Some years you might earn more, while other years you might earn less. SIP in equity fund help to beat the volatility of the equity markets through rupee-cost averaging.

Portfolio diversification: You can achieve portfolio diversification and your investment risk is spread across various stocks when you invest in an equity mutual fund. Thus, even if some stocks in your portfolio underperform, the strong performance of the other stocks would offset some of that risk and help build your investment corpus.
Taxation

Equity fund taxation is 15% for the short term. If you invest for the long-term, you do not have to pay tax in case the equity fund investment is held over a year and the returns do not exceed Rs. 1 lakh. And secondly, any tax over a holding period of 1 year is considered as long-term capital gain and is taxable at 10% for gains exceeding Rs. 1 lakh. In the case of ELSS mutual fund, you can enjoy tax deduction under Section 80C of the Income Tax Act, 1961, and save up to Rs. 46,800 for the highest tax bracket each year, effectively reducing your tax liabilities.

To sum up, to be a long-term investor, you need to be willing to accept a certain amount of risk in pursuit of potentially higher returns over a longer period. It requires patience and perseverance, requiring you to stay invested for a long period.

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5 Tips to Plan a Successful Upgrade to Microsoft Teams

Adopting a digital workplace solution goes beyond a global crisis. Shaping the digital future lies in the hands of those who will be a part of it and it always helps when you decide to go with the flow. As we have all witnessed the huge popularity of Microsoft Teams in the past few months of isolation, it will be considered a wise decision if an organization decides to Upgrade to Microsoft Teams for better Digital workplace experience. Deploy Microsoft Teams to your Systems to promote Collaboration and Productivity.

Why Upgrade to Microsoft Teams
Microsoft Teams enhances the overall Digital workplace experience by extending the capabilities of your email and collaboration apps to give an all in one experience. Having chats, calls, virtual meetings, and file storage at a single place works wonders in enhancing user engagement and productivity. It helps the users get their work done conveniently which in turn escalates the user satisfaction and business growth. When remote work has become a necessity, the best action on our part is definitely to collaborate and communicate in the best way possible. Thus, Microsoft Teams is the best tool to streamline your business irrespective of all the organizational and geographical barriers and establish a well-organized remote workforce.

Tips to plan a successful Upgrade to Microsoft Teams Identify the key challenges
Every organization, no matter how similar to each other, will always differ in their roles and requirements. These requirements vary in terms of work culture, communication style and so on. Likewise, the challenges faced by the workforce of every organization too is quite unique and cannot be evaluated on the same page.

So the first step on a company’s behalf remains evaluating their own situation. They need to get to know the conveniences and requirements of their employees and confirm if Teams migration is a good option for them.

If they find it valuable enough, then only should they plan and proceed further.

Design the change according to the company-specific needs
Once that you have decided to migrate, try to understand your company’s specific needs that exist now as well as expected to persist after the migration process is done.

For example, it might be possible that there exist specific platforms that your employees have worked upon for years, let’s suppose SharePoint. Suddenly stopping the access to that platform and forcing them to use Microsoft Teams instead can definitely affect their convenience, leading to a decline in productivity.

Instead, try migrating from SharePoint to Teams while keeping the option to use SharePoint separately too. Give them their independence to choose.

Teams Adoption
It is very important to focus on Teams Adoption in your organization if you really wish to make your Teams migration a success. The migration will be considered a success only if it is received well by the users. Spend some time understanding your user base, identify the ways to draw them towards Microsoft Teams. All you need is to make your people aware of the great features that Teams can provide to make their communication and collaboration easier. Get to know their challenges, consider their suggestions, and feedback and find ways to enhance Microsoft Teams adoption.

Consciously delve through the entire process
It is understood that once you decide to migrate to Teams, you would like the migration service provider or the migration tool to do all the end to end work on your part. The migration tool is sure to do its part but along with it, your personal eye upon the process can be great too. It is evident that no one knows your workforce better than the people in your organization. So, when the Teams migrator is doing its part, it will be very beneficial if someone from the company keeps an observing eye over it. Be sure that having additional knowledge helps always. Having knowledge about the migration steps as well as the risks involved will ensure a smooth and hazardless flow of processes.

Encourage employee engagement
Any platform is considered popular and successful only when it is used enthusiastically to the fullest by its users.

You must encourage employee engagement in Teams so that the purpose of the migration turns out to be fruitful. Attract your employees towards the platform. Engage them in such a way that Microsoft Teams becomes an inseparable part of their professional lives. Then only can the Teams ensure maximum productivity.

We are extremely happy with the initial response to our Teams migration module and are glad to be a part of the digital transformation journey of these organizations. We look forward to serving more and more customers in upgrading and migrating to Microsoft Teams.

Need additional assistance in planning Teams migration? Feel free to contact us if you need any aid in planning, implementing, and governing your Teams migration.

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Dental Tourism Abroad: Get Quality And Affordable Dental Treatments

Dental tourism sounds pretty upscale but is actually very cost effective. If you have to treat your teeth or undergo a procedure which is very expensive in your country then you plan dental tourism abroad. So far as things have progressed for a person living the U.S.A this means going to Mexico and having the treatment done at a much lower cost. There are many contributing factors to the success of such treatment procedure. The increasing cost of medical treatment in the native country being one, we can also point at the transparent system of dental treatments wherein you can verify the credibility of the doctor before you decide your destination.

Dental tourism abroad may sound very daunting and therefore the first things you need to do is do a bit of research on your own and find out the details. Most of the people unable to afford costly dental treatments travel to another country where the same treatment is available, minus the exuberant cost. You could turn to a cost comparison between you country and the other country you are planning to travel to. More than half of your costs can be reduced if you opt for dental tourism. This is not just about a single country anymore. Doctors are forming networks all over the world and offering cost effective dental treatments in a number of countries. The healthcare industry has seen major progress, thanks to the global cooperation between doctors and clinics.

Another interesting part about dental tourism abroad is that you get to treat your teeth and travel to another country. Along with treatment there is also a lot of traveling and sightseeing. This is what attracts patients to opt for dental tourism to other countries. There is something important that you need to keep in mind – the legal part. Dentists have different laws and regulations guiding them in different countries. Check on them thoroughly before venturing out. And, you should always get your treatment done under an association of doctors because it is much safer. You should also know the laws that govern patients traveling from abroad. It is very important that all legal aspects are given due consideration before being a part of this process.

Finding an appropriate clinic and the doctor who would be treating you is very important. Look in the Internet and ask around to know more about dental tourism abroad and the success rate of such a procedure. Always get yourself treated by doctors who are registered and in a clinic which is accredited with the respective authorities in that particular country. You must also ensure that the clinic follows all the procedures of hygienic treatment. In this way you will be protected against any infections while getting treated. Dental tourism has become popular because patients have enjoyed good treatment at a cost that they can afford. A number of clinics offer quality dental treatments at a very competitive rate. Safety standards need to be adhered to. And, in most cases they are. Else, why this kind of treatment procedure would be trusted by so many patients? If you are getting the same services at a lower cost then you should definitely be a part of this.
Cost effective and quality dental treatment has made dental tourism abroad ( http://www.dentaltourismassociation.com ) very popular. With sightseeing and healthcare offered together dental tourism ( http://www.dentaltourismassociation.com ) is a great option.

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