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INTEREST +RATE =INTEREST RATE INTEREST –Extra money paid for using other money is called interest. RATE-A fixed priced paid or charged for something. Interest rate is the amount charge, expressed as a percentage of principal by a lender to a borrower for the use of assets. Interest rates are typically noted on a annual basis known as annual percentage rate. (APR) The assets borrowed could be anything cash, consumer good large assets such as a vehicle or building. Interest is basically a rental or leasing charges to the borrower for the assets use. In case of large assets like vehicle or building the interest is sometimes known as lease rate. When the borrower is a low risk party, they will usually be charged a low interest rate. If the borrower is considered high risk the interest rate that they are charged will high. NEGATIVE INTEREST RATE –Any interest rate that falls below zero is called negative interest rate it refers to case when deposits incur a charge for storage at a bank, than rather receiving interest income. FIXED INTEREST RATE- A fixed interest rate will not change during the period of fixed rate that we choose. FLOATING INTEREST RATE –A floating interest rate will go up or down as interest rates in wider market change. SIMPLE INTEREST RATE- If interest paid on a sum borrowed for certain period is uniformly then it is called simple interest. COMPOUND INTEREST RATE- It is a rate paid on principle as well as on interest for specified period. REAL INTEREST RATE-A real interest rate is a rate that has been adjusted to remove the effects of inflation, to reflect the real cost of funds to the borrower and the real yield to the lender or investor. The real interest rate of an investment is calculated as the amount by which the nominal interest rate is higher than the inflation rate. NOTE-SUPPLY AND DEMAND IN THE MARKET AFFECTS INTEREST RATE.
ANALYSE THE MARKET… TO RULE THE BOXOFFICE OF THAT BUSINESS Every businessman wants to make more and more profits and become successful. Some really become and some don’t , although they put their all hard-work and skills. There is basically one difference between the two, i.e SMART work and HARD work. The one who gets success focuses more on SMART work than on HARD work. Today’s competitive market world permits only the smart and sparkling thinkers to move ahead . So friends ,till now , you all must be curious to about how to do that SMART work, right ? So take a deep breath n relax …its really very simple and easy to understand. Every businessman should do a proper “MARKET ANALYSIS” , no matters whether he/she is just starting a business or reviewing an existing business .One should always remember that “ MARKET IS SUPREME & TREND IS FRIEND “ .Now the very first question that arises in our mind is – Ø What is market analysis? Ø Why to do a market analysis ? Ø How to do market analysis? MARKET ANALYSIS. Definition“ A market analysis is the study of the dynamism of the market.” By:-Pestle analysisIt is the attractiveness of a special market in a specific industry. Market analysis is basically a business plan that presents information regarding the market in which you are operating in . WHY TO DO MARKET ANALYSIS ?A market analysis is done so that you can formulate a strategy on how to run your business. Market changes every moment , so a business needs to watch for changes in its market. You need to understand and judge, what’s actually going on with your market. What’s the marketing trends and fashion do you see having an influence in our market segments. CERTAIN INGREDIENTS THAT ENHANCES THE FLAVOUR OF YOUR ANALYSIS.The most common ingredients are Strength , Weakness , Opportunities and Threats. By assessing the company’s strengths and weaknesses, you can make a strategy on which factors to focus upon. We also look at external factors like situations which may provide us with an opportunity or threat. Economic factors, political instabilities or even social changes can give you opportunities which you can seize and do better. They can also create threats which are going to hamper your business dealings. DIMENSIONS OF MARKET ANALYSIS :-v Market sizev Growth rate of the marketv Market trendsv Make profitabilityv Distribution channelsv Industry cost structurev Key success factorsØ Technology progressØ Economics of scaleØ Efficient utilization of resources HOW TO DO MARKET ANALYSIS ? It is done mainly by the followings ways:- Technical analysis, Fundamental analysis, Sentiment analysis and Competitor analysis. Let us see , how good TECHNICAL ANALYSIS is ? It is an analysis of financial market data where price pattern ,movement in volume and other market information are analyzed by employing trading rules. In technical analysis, prices trend directionally (i.e. up,down,sideways or some combinations). Technicians employ many methods, tools & techniques as well as charts to analyze data .By using charts, it is easy for us to identify price patterns and market trends in financial markets and attempt to exploit those pattern. Beside charts, there are several kinds of trends and patterns ; some with unusual patterns:- rectangle ,triangle, Bollinger bands, inverted head and shoulder, candle sticks etc FUNDAMENTAL ANALYSIS It is an analysis of company’s financial statements (like balance sheet, income statement etc). Fundamental analysis is a holistic approach of studying a business. It gives us the conviction to invest for long-term wealth creation. It is also known as quantitative analysis. Generally, fundamental analysis is used most often in context of stocks, but we can perform this analysis on any security, from a bond to a derivative. This is what fundamental analysis is all about. By focusing on a particular business, an investor can estimate the intrinsic value of the firm and thus find opportunities where he/she can buy at a discount. If all goes well, the investment will pay off over time as the market catches up to the fundamentals. SENTIMENT ANALYSIS It refers to the use of natural language processing, text analysis and statistical analysis to identify and extract subjective information in source material. It is widely applied to reviews and social media for a variety of applications ranging from marketing to customer service. Approach to sentiment analysis can be grouped into three categories:- Ø Knowledge-based techniques Ø Statistical methods Ø Hybrid approaches COMPETITIVE ANALYSIS It is an assessment of the strengths and weaknesses of current and potential competitors. The analysis provides both an offensive and defensive strategic content to identify opportunities and threats. In addition to analyzing current competitors it is necessary to estimate the entrance of new competitors which would be likely when:- ü there are high profit margins in the industry. ü there is future growth potential. ü there is no major barrier to enter. Thus, it is very important for every business plan to include a proper and complete market analysis so as to show positive performance and satisfactory results in stock and other markets. HAPPY READING
No company in the Indian corporate history has propelled itself so huge by fructifying the tool called M &A (Merger & Acquisition) like Sun Pharmaceutical Industries Limited did. Currently it is the 5th largest generic pharmaceutical company in the world and the No. 1 pharma company of India.
Reliance Ties up with international clothing brand Scotch and Soda reliance retailreliance retail ltd is one of a largest retailer in india and has 3383 stores in india.Reliance now want to jump up and to boost its retail business so it has tie up with the netherland based company scotch and soda .the company makes premimum quality clothing of both men and women.reliance aims to increse in retail business an its revenue.The reliance retail is adding more stores in future. Reliance Trends concept store is designed to encourage customers to discover styling ideas and what’s new in the world of fashion and help elevate the shopping experience,” the company said in a statement. financial position it has a turnover of 216 billion in its finanicial year 2015-2016 with a profit of 66.6 billions it has a growth rate of 21.1 % year on year scotch and sodascotch and soda is a dutch youth fashion based company which was founded in 2001 it has 100 offical store in the country and 7000 all across the world.it is the fastest growing clothing comapny and aims to setup his market in india.
Investment refers to a mechanism used for the purpose of generating future income. In simple terms it means “when money is put to use through various avenues to earn a return on it in future”. In today’s time everybody is running in the rat race to earn a penny extra and for that extra effort put in by us, we always wish to increase our earning. Investment can be done on anything which yields monetary return. It includes the purchase of bonds, stocks or real estate property etc. For example surplus left after all our expenses from our income is kept as savings but as we take a step ahead by opening a savings bank account we confirm a return on the money which would otherwise have been left unrealized. It has always been said: “Sooner you invest, longer you secure and bigger you earn”
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