Finance

A good financial plan in place is very important to build wealth. They help you achieve your goals and live the life you have planned for you and your family. Following you’ll find important steps to create a good financial plan for you:

Discover where your money goes right now

The first and foremost step to create a good financial plan is to analyze where your money goes currently. Start jotting all your expenses in a notebook. You can opt for a tech-savvy approach wherein a personal finance app keeps track of all your expenses for you. Continue doing this practice for 3-4 months.

Write down your financial goals

Having correct financial goals is the foundation for achieving financial freedom. After all, it’s important to know what you want to achieve in order to actually achieve it. However, make sure that your goals are SMART – Specific, Measurable, Attainable, Relevant and Time-based.  Also, prioritize these goals and try to break them into smaller chunks so that you don’t get overwhelmed.

Create an emergency fund

It’s crucial that one of these goals includes a plan to deal with the uncertainties. You need to make sure you are prepared to face the storm. Failing to do so would result in adding on to the debt with every financial bump in the journey. Financial advisors recommend stashing at least 3 to 6 months of your salary.

Pay off your debt

You can’t kick start a financial future if the burden of hefty debts is holding you down. Make a debt pay-off strategy and be patient yet consistent while working towards being completely debt-free. This will always help you to increase your credit score.

Start building a portfolio

After saving enough for an emergency fund, start building your portfolio. For new and seasoned investors, the easiest way to build a portfolio is by investing in mutual funds. There are several types of mutual funds like equity mutual funds, debt funds, etc. available to investors that they can choose from according to their goals.

Track your mutual fund investments

It’s important to keep track of your investments. Manage your financial plan to ensure that it remains congruent with your current financial situation. Tracking your investments also helps you to understand if they have performed according to your expectations.

Plan for taxes
Yes, taxes are annoying but they are a part and parcel of your life and sadly your investments. They are not going anytime soon. Not planning for taxes can hamper your cash inflow in a major way. You can avail the services of a financial planner or tax accountant to ensure that your plan is tax-efficient. 

Creating a financial plan requires work and patience. Owing to the diversification offered by mutual funds, a lot of investors prefer investing in mutual funds online. Remember, this is your journey, and only yours, nobody else’s. So plan accordingly. Happy investing!

The rising cost of medical care is leading to an escalated unaffordability of treatments. Much can be attributed to the Indian healthcare market being price-sensitive and volume-driven. In an attempt to deal with the growing healthcare-related financial gap, the government launched initiatives like the National Health Protection Scheme under Ayushman Bharat. Following up on these changes, health insurance penetration is expected to go up from 34% to 50%.

Taking a cue from the escalating healthcare expenses owing to the inclusion of state-of-the-art medical technologies, individuals now opt for informed health insurance renewal options. It is ideally imperative for individuals to consider that each insurance cover caters to customised medical requirements. Accordingly, it is ideal to incorporate any modifications required during renewal.

Insurance companies offer health insurance policy renewals which are simple to understand and easier to follow up on for the benefit of customers. Nonetheless, taking into account that policy renewal presents individuals with an opportunity to bring in the required alterations in their cover, they should take into account a few pointers before renewing their health insurance in India.

https://www.youtube.com/watch?v=j0fLRSYA3KQ

Things to consider before renewing a health insurance policy

• Addition of members to a policy

During a health insurance renewal, a policyholder can include or omit family members under their availed cover. Accordingly, the necessary changes are made to existing terms of a policy.

• Check in the fine prints for alterations in policy terms

The IRDAI has mandated the communication of changes-to-be-introduced in terms and conditions of a cover to a policyholder, 3 months in advance.

Conversely, any changes that the insured wants to introduce should be notified to the regulator for approval. Considering that such health insurance covers are designed to insure an individual in cases of illness or accidents financially, it is essential that an insured readers through the fine prints before renewing one. It is vital to note terms of coverage if changed during the renewal.

Such informed decision ensures that individuals make the most of their availed cover, and mitigates chances of any discrepancy in the policy details that policyholders are not aware of. Following any such unforeseen situations, they can always opt to change their insurers.

• Change insurer if need be

In case a customer finds another insurer offering better terms of coverage than the existing insurance, they can look into the portability option when the existing policy is up for renewal. With such add-on facilities, an insured can opt to port their policy sans losing out on benefits like a no-claim bonus or waiting period. Consequently, in the case of –

• Sub-limits,
• High premium cost, or
• Minimum benefits,

– make sure to check for terms like convenient portability. Also you should consider checking whether your current insurer will be able to offer better coverage terms on renewal.

For other helpful plans, you can buy Pocket Insurance plan & Subscriptions offered by Bajaj Finserv, where you can either –

• Pay for the treatment and find the amount reimbursed later, or
• Go to a hospital within the operational network, wherein the treatment costs are covered right from the start.

With the best health insurance cover, you can avail a type of policy that best suits your requirements –

• Individual Health Insurance Plan
• Critical Illness Insurance cover
• Senior Citizen Health Insurance Policy
• Group/Employee Health Insurance Policy
• Critical Illness Health Insurance Plans
• Options to increase the sum assured

Taking into account the increasing cost of healthcare, an existing health insurance policy may not offer sufficient insurance coverage. Under such circumstances, an insured can request to increase the sum assured during health insurance renewal.

• Disclosing new medical conditions

In line with the updated IRDA 2016, insurance companies are not allowed to impose new conditions in case of disclosure about new medical conditions during the renewal of a cover. However, the company may ask for documents to substantiate a policyholder’s medical declaration.

In addition to the factors mentioned above, remember to include features like an additional coverage such as a top-up health insurance policy that comes with an affordable premium amount, floater coverage, and customised features.

Considering the boosted demand for health insurance policies, it is ideally imperative to opt for health insurance renewal to ensure continued financial security against illness or accidents. Make sure to read the terms of coverage and understand the most beneficial features.

Most people who buy life insurance do so to take care of their families. If you are young and have children, it is very important that you consider your family’s needs if you should pass away unexpectedly. Plus, if you are younger, you can buy a life policy for a far cheaper price than when you are older. That is why this type of product offers an ideal financial cushion for a young professional with young children in his or her household.

What Will Your Family Need When You Die?

When you review life insurance in Thailand, you need to consider the amount of money that needs to go to your family so they can still carry on in the same way as they did before your death. What will your family need to sustain themselves when you are gone? How much is your mortgage or house payment? You don’t want your family to sell the family home that you have put a large sum into maintaining. This is an important consideration when you are looking at life insurance packages.

Also, what will your children’s educational needs be? You also have to factor how much money to leave behind to take care of your children’s education. You don’t want them to be faced with a bleak future because you failed to plan in this respect. While you don’t like to think about buying this type of product, you still need to do so to make life easier on your family.

Do you really want to burden them financially if you should die unexpectedly? While you may not die of an age-related disease, you could get killed on the job or in an accident. Younger people tend to be less careful than older people and therefore can die in car accidents or on the job. You need to make sure that you cover any possible emergency. If you don’t make this type of decision, you can place your family in financial jeopardy.

While you don’t want to save money and not buy enough insurance, you also don’t want to purchase too much coverage. Therefore, you need to carefully consider each plan and the overall amounts you spend on living. You also have to project the amount that will be spent in the future for your children’s educational needs.

Spend Money on Only What You Need for Coverage

When you plan a budget and lay out a plan for your life insurance coverage, you can easily adjust if needed. That way, you will only spend money on what you need in this type of financial protection. Make sure that you only buy what is needed. Otherwise, if you buy too much, you could void the plan. Sit down with an insurance professional and show him or her what you spend each month on your mortgage and regular household expenses. Demonstrate to him or her why you need a specific amount or protection.

If you buy life insurance in this way, you can plan for the future and also buy products such as whole life insurance that will add to your future savings and investments. Make sure that you and your family are protected financially. Don’t negate the value of life insurance products in Thailand.

Time will come that you will notice white hair starts to grow more and more and wrinkles start to put a frown on your face. You are growing older. Your responsibilities grew bigger and your outlook on life has totally changed.

As people grow older, their outlook in life is geared towards having security that is why a lot of us want to get life insurance which is an indispensable and also a fundamental way to plan out financially.

For many years, life insurance has given a lot of people around the world the peace of mind considering that the money is always available to secure their family and their assets in different ways. If you are doubtful about getting a life insurance, maybe this post from https://www.iselect.com.au/life/ will convince you to inquire for the best life insurance you can get now.

1. Enables you to pay the final expenses– It is inevitable that you will carry the financial burdens of a funeral and burial of your loved ones or even for yourself which costs you tens of thousands of dollars in minimum, and you do not want to be caught off guard when this unfortunate event happens to your family that is why a life insurance is very important to cover this kind of problem.
2. Cover’s your children’s expenses– Parents want to make sure that their children are well taken care of and have a secure future for their education, particularly in college that is why part of a life insurance is also education which is an additional coverage that absolutely considered as an essential way for your children to have quality education and a secured future.
3. Alternative income for your spouse– In case you die unexpectedly or your spouse passed away and your children are still young, you would have needed to maintain or replace the income of your spouse or yours to keep your family secured financially and provide the much-needed financial support that is essential for their needs and their lifestyle.
4. Payment for debts– Another coverage that life insurance can provide you is to help you pay off your debts such as mortgages and loans so that you would not have to sell or declare your assets as collateral for the debt that you are paying.
5. Used to purchase shares from your business partner– In terms of business, life insurance can be used for purchasing the interest from your business partner in case the latter passed away unexpectedly. This can be done by purchasing the interest from your business partner’s heirs and pay your business partner’s share of the company’s obligations without the need to sell the company itself.

The iFOREX trading app goes well beyond providing customers with a robust trading application. The company offers a web based and mobile platform that is strait forward. Their platform is offered in several different languages. They have nearly 90-currency pairs that are traded on the iFOREX platform. Their research and trading tools are a strong point, and they provide excellent educational tools.

Investment Product

The iFOREX trading platform offers nearly 90-currency pairs, along with commodities, indices, cryptocurrencies and ETFs.The ETFs are trading in CFD format and allow traders to invest in different equity sectors including financials, technology and energy shares. Unlike other brokers in this space, iForex also offers a range of soft commodities including soybeans, wheat, corn, cocoa, coffee, and cotton.

Reliable Customer Service

iFOREX prides itself on providing top of the line customer support. One of the most important features is their remote support assistance. This allows customer support technicians to share your screen and help you with any issue immediately. Online chat is available for both new and existing clients. All clients can receive customer support and technical assistance. The company offers phone support globally.

Investment Research

The research that iFOREX offers provide insights into investment decision. The iForex research is quite comprehensive. They offer a news and analysis section that provides real-time breaking news along with fundamental and technical analysis. iForexhas an economic calendar with important macroeconomic  and monetary policy releasees that can affect markets. They offer sentiment date which provides confidence related to financial products.

Educational Portal

A good education section is important for both novice and expert traders. Topics that range from risk management to trading execution are available. The iFOREXapp educational products information for major trading products such as CFDs. There is also information about technical analysis and several videos that beginning traders which can help you get started. iFOREX also has a resource section that offers a wide variety of informative resources suitable for all investors. The articles cover many topics, from trading basics to advanced trading strategies. The trading topics that are covered range from “what is a stop loss” to “how do you trade CFDs”.

Platforms

iFOREX offers a web-based trading platform, as well as a mobile platform. The mobile app, looks a lot like the web application, and most of the functionality is similar. Each provide provides real-time market rates and execution capabilities. This allows you to seamlessly manage your risk while you are in your office or if you are on the go. Some of the key features include access to real-time balances, equity and margin details.  The charting capabilities on both platforms are robust. Additionally, you can use a demonstration account on both platforms allowing you to test drive your trading strategy before you begin to risk your capital. The demo account also allows you to fine tune your execution capabilities and learn from mistakes without losing money.

A user generally uses a credit card as a payment card. It enables the cardholder to make purchases on credit. There is a pre-set credit limit which users can utilize to make purchases effortlessly.

To put it simply, through the credit card one can borrow a loan from a bank while purchasing a certain item. A credit card is issued depending on your financial ability. If the bank finds a certain person capable of redeeming the borrowed value, then only a credit card is issued to the person.

But applying and getting an approved credit card can be a real pain. For this reason, RBL has introduced a system where the customers can check their RBL credit card application status online. RBL Bank offers a number of credit cards which hosts amazing benefits for the customers. It has a wide range of credit cards. It offers low-interest rates on loans and credit cards, thus making them quite a competition in the credit market.

Depending on your lifestyle, the amount of credit you borrow differs. Depending on customer habits, RBL provides various credit cards like Shopping card, Cashback card, Travelcard, Rewards card, Lifetime free credit cards, Business card, Lifestyle card, Entertainment card etc.

Eligibility to apply for a RBL credit card:

• Age criteria:

RBL bank sets an age limit for the customers applying for credit cards. Customers of age 21 to age 65 are eligible for credit cards. Add on, credit cards are provided to customers of age 18 or above.

• Income criteria:

This is the highlighted criteria which must be fulfilled to be eligible for a credit card from RBL Bank. The cardholder must have a regular source of income to avail RBL Bank credit cards. The income value differs from various card specifications. You can apply for your credit card by showing your fixed deposit and minimum income as set by bank specifications for the card you chose. Income requirement varies for different cards depending upon the features and conditions of your chosen card. The customer is expected to provide a proof of his regular source of income to avail the credit card from RBL bank.

• Credit history of the applicant:

The bank often asks for a credit history statement to get clear proof of how the customer manages his/her credits in the past. A good credit history without any signs of delay in payment of a debt can highly increase your chance to get a credit card.

• Nationality:

Only Indian applicants or non-residential Indians are eligible for credit card applications.

RBL asks for the following documents compulsorily for credit card application:

1. Address proof (passport, driving license, Voter ID etc)
2. Identity proof (bank statement, voter ID, Driving license, Pension book etc)
3. Income proof (Bank statement, Payslip, Income tax return)
4. PAN Card
5. Passport size photo.

There are some steps to follow if you are applying for RBL credit cards.

For new customers:

• Visit the ‘credit cards’ web page of RBL Bank official website.
• Enter your personal information and contact details.
• After the procedures of verification, a representative from the bank will contact you and guide you through the entire process of issuing credit cards.
• Submit your Know Your Customer (KYC) documents and income proof to avail an RBL Bank credit card.

Or just visit the nearest RBL Bank branch to apply for credit cards of your priority.

For existing customers:

• Visit the web page ‘Credit Cards’ on the official RBL Bank website.
• Enter your net banking customer ID along with your phone number.
• Directly apply online for credit cards.

RBL credit cards offer amazing interest rates and free credit period up to 50 days. Getting a credit card can ease your lifestyle.

If you have already applied for an RBL credit card, then you can know how to check RBL credit card application status here.

Mumbai, the commercial capital of India, is regarded as the most expensive metropolis for Indian immigrants. According to a survey conducted by Mercer, the city of dreams ranks 55^th in the list of the costliest cities in the world.

In the past few decades, Mumbai has seen a rapid increase in inflation due to which sustaining life here and facing unforeseen needs has become a challenge for middle-class people.

However, with a personal loan in Mumbai, it is easy to manage all your emergency expenditures.

An instant personal loan in Mumbai will help you to handle any shortcomings that you face while purchasing a vehicle, a home, for the education of your child or for any other unforeseen medical emergency, and much more.

Let us now look at why a personal loan is an ideal option to benefit the salaried middle-class living in Mumbai.

What do you mean by a personal loan?

A personal loan is an unsecured loan than you can obtain from a bank or NBFCs to fulfill your financial goals.

The Credit Bureau sanctions the loan only after considering factors like your salary, employment history, credit profile, repayment capability, etc. The creditor won’t ask you for any collateral like cash, property, or shares for security purposes.

The greatest benefit of a personal loan is that you will get a comparatively low rate of interest than home loans or car loans.

How will a personal loan help me?

As a salaried middle-class individual who is struggling to live a happy life in a city like Mumbai, you should apply for a personal loan due to the following reasons: –

• It will help you repay your debts-

A personal loan can help you repay your old arrears and efficiently manage various accounts without any hassle or stress.

• Paying off your credits becomes easy-

One of the biggest advantages of a personal loan is that you can easily repay your credits at a low rate of interest. As a result, you will be able to clear your dues in a short period.

• Home remodeling-

If you wish to get your home renovated, then a personal loan is a perfect choice for you to pay for the remodeling costs.

• Catering to unforeseen medical emergencies-

Medical emergencies is the most common reason for middle-class people to opt for a personal loan. You can easily finance surgeries, operations, medication, and aftercare expenses with the help of a personal loan.

• Purchasing a car or a house-

The property rates in Mumbai are generally very high, due to which affording a house here becomes almost impossible for the middle-class population. However, a personal loan can assist you in covering your huge expenditures like buying a car or a house.

• Paying for Wedding expenses-

A personal loan can be used to pay for various wedding expenses like the venue, decorations, bridal dress, pre-wedding photo shoots, wedding planners, etc.

What are the features of a personal loan in Mumbai?

There are variety of features associated with a personal loan in Mumbai such as: –

• The loan has a short period.
• No complex paperwork is involved.
• It can also be processed online
• The loan can be used for various purposes.
• You can conveniently repay a personal loan.

Therefore, a personal loan is a boon for middle-class people to get instant financing for managing any kind of unforeseen exigencies. It is currently the most-promoted and easy to use credit product in the financial sector.

As India is gradually moving towards a more digitised economy, your Aadhaar number gains significant importance. A unique 12-digit identification number – Aadhaar number is provided through the initiative of the Indian Government.

Today, it has become a critical document used for almost every public services present in India. Hence, with the increasing number of services getting linked to Aadhaar, UIDAI has introduced a mAadhaar online application that acts as a digital copy of your original Aadhaar card. Targeting the humongous Android user base in India, mAadhaar app is currently available on the Google Play store.

What mAadhaar app has to offer?

The benefits of mAadhaar app are numerous like –

1. Seamless synchronisation

This online facility allows you to sync your Aadhaar data with the mobile application. Thereby, it makes it easier for users to carry their Aadhaar information anywhere, anytime in their mobile devices.

1. Biometric protection

The app comes with a useful feature of locking and unlocking of biometric data. Once you havemAadhaar app and activate the biometric locking system, your biometrics will remain locked till you open it.

1. TOTP generation

Instead of generating an OTP, this app creates a Time-based OTP (TOTP) which provides short-lived OTP value. This proves beneficial in providing users with enhanced security. After registering the update request, you can view your Aadhaar details by downloading the data from UIDAI.

1. Easy data sharing

Among other benefits, sharing your updated Aadhaar information using a QR code is the most innovative approach. It helps you share your eKYC documents with the service providers.

1. Multiple profile options

This mobile application also allows you to store a maximum of 3 profiles provided the registered mobile number is the same for all.

The benefits of mAadhaar app don’t stop here. With ‘Aadhaar in your pocket’ – you can benefit from numerous financial subsidies and services. For instance, if you’re facing a financial crunch, you can avail a personal loan with the help of your Aadhaar details and other nominal documents. Such loans are available from NBFCs like Bajaj Finserv and can help you fund your short-term requirements like –

• Business-related expenses.
• Bear emergency medical expenses.
• Pay for your child’s education.
• Bear your family member’s wedding expenses, medical expenditures, etc.

Furthermore, you’d benefit fromindustry-first features such as:

• Attractive interest rates.
• Flexible repayment tenor.
• Instant loan approval and quick disbursal.

However, you must check personal loan eligibility and documents required before applying for one.

How to get mAadhaar?

First, download mAadhaar app from the Google Play store and follow the instructions below –

1. Once the app is downloaded, it will redirect you to an interface which asks for your Aadhaar number.
2. Initially, the app sends you a TOTP to your registered mobile number. However, you may also scan the QR code on your Aadhaar card.
3. Then the app will initiate a validation process to check the user’s identity. It might also ask for a few permissions to avoid any loopholes that could result in a security breach.
4. After the verification is completed, you’ll be asked to set a new password for your profile.

Then the app will redirect you to your home screen where you can see your Aadhaar card details.

The mAadhaar online app will go a long way into catapulting India towards a digital economy. It will significantly help in improving the efficiency of public distribution systems, reduce corruption and curtail black money.

The best way to stay up to date with your accounting transactions is to implement the right software. You can more easily do this when you work with a network that provides help for practitioners in the manufacturing, finance, and trading fields. By taking this approach, you can cut costs and enjoy much better returns and profits.

Set Your Eyes on Success

That is why the addition of an accounting system IFRS in Thailand is instrumental to a company’s success. This type of software program will help you stay in control of the accounting in your particular industry. That is because the software is specialized so you can adapt it easily to your workforce and staff needs.

Learn More About Spending and Income

By taking this type of approach, you will be able to communicate better with customers in Thailand and beyond. Not only that, you will be able to get more work out of your employees. When you know what transactions are being made and the monies that are paid, you can decide with more wisdom and insight. That is the key to conducting business today — activities that will help you succeed.

Are You on the Same Page with Your Peers?

When the right software program is used for accounting purposes, everyone seems as if they are on the same page. That is because you are more aware of your income and outgo. You no longer have to conduct business by guesswork. You have the accounting evidence in front of you. It is easier to decipher reports so you can make the types of business decisions that lead to successful outcomes. You don’t have this type of latitude if you are doing accounting manually.

Do You Want to Cut Costs?

Do you want to cut staff costs and reduce disputes? If so, you need to learn more about networked accounting for your business operations. Doing so will enlighten you and give you the incentive needed to stay on top of all of your company’s needs. When you can translate an accounting report, you know that you have added the right software package.

Learn More About the Language of Business

Accounting is the language of business. Therefore, it should not be difficult to read or decipher. That is why an accounting program will help you be a better manager or executive. Use today’s technology to help you communicate better with your employees and other businesses. This can only be done when you include a software package that can help you in various ways. A good accounting software program will help you stay ahead of competitors in your current field.

Think about the goals for your business or industry. How do you want to set up your accounting system so you can better read these objectives? By partnering with the right software provider, you can make a difference in your field of expertise. Don’t let others get ahead of you. They also have access to this type of package. Make sure that you stay well informed so you can stay on top of all of your company’s accounting transactions. Learn how to read the reports.

ELSS or Equity linked savings scheme is one of the best tax saving product available in the market, it has the lowest lock in, easy to cash, managed by a professionally employs  and you can even do SIP with a starting amount of Rs. 500 per month. It’s always worthwhile to start saving for taxes as early as possible so that you can enjoy the power of compounding and have enough time to choose right fund. You can save upto Rs. 1, 50,000 under section 80 C.ELSS not only helps you to save taxes under section 80C but also help you use the same amount for your future needs. You should always link some goal to you investment.

Steps to Invest in ELSS:

Once you have decided to save taxes via ELSS, now you much have questions like how to invest in ELSS or which is the best ELSS available in the market or what the steps to follow to invest in ELSS are.

Step 1: Control your Tax slab and taxable income – It’s really important that you have a clear idea about your taxable income and tax slab. This will make clear that under which units you can save taxes and which products are useful to you.

Step 2: Pick the best ELSS – Let’s know how to pick best ELSS funds. You can look into below steps to select it. Past Performance and Age of the fund: Past performance speaks terrific about one’s ability and likelihood for success. Absolutely past performance can’t guarantee future returns, but it gives you suggestion of how the fund manager was able to generate returns during ups and downs of market cycle. Constancy: This is very important for the people who have an investment time limit of medium or long term, a fund can’t be judged based on its 1 year or 6 months returns. XIRR of the fund: XIRR helps in calculating the internal rate of return for planned cash flows. Many of us don’t have lump sum amount to invest hence choose to invest intermittently. By calculation of the XIRR we can further filter best funds.

Step 3: Invest in ELSS online – If you are on step 3 this means you have already chosen the fund. Now it’s the turn to invest. Online mutual fund investment is a trend which you can skip to follow.

• Go to create an account
• Fill in all the required details in personal profile and FATCA form
• Fill in bank details
• Upload a cancel cheque
• YES you have successfully opened an account and now you are ready to invest.
• Click on invest now option on home page and select the fund chosen fund using step 2.

In case you were having some trouble choosing the best ELSS fund. We even have a list for best funds available on our website also.

Best tax saving mutual funds for investment in 2019:

Fund Name	1 Year Returns	3 Year Returns	5 Year Returns	Net Assets ( Rs. Crore)
Tata India Tax Savings Fund	9.89%	15.32%	16.53%	1,770
Axis Long Term Equity Fund	7.43%	15.21%	17.03%	18,852
Kotak Tax Saver	13.41%	15.82%	15.47%	888
ICICI Prudential Long Term Equity Fund	10.72%	13.91%	12.12%	1,992
IDFC Tax Advantage Fund	1.95%	15.74%	15.10%	6,193
Invesco India Tax Plan	5.06%	14.59%	15.67%	835
Aditya Birla Sun Life Tax Relief 96	1.19%	13.55%	15.75%	8,599
Franklin India Tax shield Fund	3.59%	10.75%	13.73%	4,025
L&T Tax Advantage Fund	-0.16%	13.20%	12.42%	3,338
DSP Tax Saver Fund	9.44%	14.74%	14.20%	5,413