Financial success with Fundamental analysis

Posted on December 4, 2019Categories Analytics, Corporate Finance, Education, Financial Markets, Investment Banking, Mutual Funds   Leave a comment on Financial success with Fundamental analysis

How do you evaluate a human being? We usually tend to do a background check, look at the person’s past records, his current status, and finally come to a conclusion.

Its the same with a company. An investor, before investing, looks into the financial data of the company before coming at a valuation. This method of financial analysis where every basic detail of a company is studied is known as Fundamental Analysis.

Why is fundamental analysis important?

  1. Evaluation of management

Management is the final decision making body that holds together an entire organization. Fundamental analysis will help you understand the management of an organization, and how efficient they are.

  1. Company and its competitors

A thorough fundamental analysis will not only tell you if a company is profitable, but also about its market share and how it fares as compared to its competitors. If a company cannot outperform its competitors, it won’t last in the longer run.

  1. Fair value

Analyzing a company’s past and present is important to understand its fair value. Fundamental analysis can help in arriving at this value by evaluating the company. This will help in understanding if the company is overvalued or undervalued.

This analysis will help you understand the fair value and pick stocks for investment.

  1. Future pricing

The most important factor an investor is concerned about is the future value of his investment. A company’s business model will help understand if it’s going to make money in the near future.

Fundamental analysis helps in forecasting the future price of a stock. If an analyst finds a favourable future, he will decide to invest his money into the company and vice versa.

How do you conduct fundamental analysis?

  1. Company website

A company’s website is the first place you need to visit. This will give you an idea about the company, its business’, board meetings, objectives, investor information and much more. This will help in getting an overview about the company and understanding if its worth considering.

  1. Company’s financial statements

Any company’s financial statements are readily available on the internet. It is important you go through its profit and loss statements, balance sheet, forecasts, etc to understand it’s health and future prospects. If this shows a year on year increase in sales and profits constantly, it should be a good investment.

  1. Debt ratio

A company’s debt ratio will help you understand if its a good long term investment. A company having a debt ratio of less than 1 is usually seen as a good investment. It means that it is not heavily under debt and can grow quite fast.

It is the duty of an investor to conduct fundamental analysis of a company by looking at various factors that influence its market share, longevity,valuation, and profitability.

Conclusion

Fundamental analysis involves an in depth understanding of a company’s competitors, industry and finances. This is important from an investor’s perspective as it’s his money that will be involved in the business.

To understand how stock markets work, why and how fundamental analysis impacts a company’s shares, opt for BSE Institute Limited’s Basic Program in Stock Markets.

Art of Portfolio Management

Posted on November 21, 2019Categories Corporate Finance, Executive Courses, Financial Markets, Global finance, Indian Economy, Investment Banking, MBA, Mutual Funds   Leave a comment on Art of Portfolio Management

When you look at a financially stable person, you often wonder, “how do they do that”? What differentiates a financially stable and unstable person is their respective investment portfolios.

Today, if you are young and reading this, consider it to be your lucky day. Investing young and building an investment portfolio can take you places. If you know the power of compounding, you will realize how important investing is.

So, where do we begin?

Planning your investment portfolio is not easy. It is quite challenging, even more if you are not good with your personal finance. First of all, managing your portfolios is not simply about, “which stocks to buy”, and “which stocks to sell”. Portfolio management requires self discipline, patience, and a bit of knowledge about the companies you wish to invest in.

I’m not going to talk about the stocks to buy today, instead I will talk about how to build your portfolio and stand out!

Risk taking ability

The first question you must answer before investing and building your portfolio is, what is your risk taking appetite. The stock market today is like a restaurant which offers you variety of food to choose from.

You need to understand that some might have higher risks,but at the same time has the potential to give higher returns.

Similarly, there are shares that come with lesser risks, but the returns could be comparatively lesser. It is up to you to decide your appetite and hand pick the right stocks.

Another important step that you need to take, while deciding your risk taking appetite is to decide your short, medium and long term goals. This will help you construct your portfolio in a better way.

If your appetite for risks is extremely low, you could simply invest in mutual funds which is a much safer option. There are various types of mutual funds in India, starting from equity funds, debt funds, index funds, etc.

Assessing the external financial situation

The next step is crucial- to come up with an investment strategy. By assessing the economic situation of the market, you will be able to predict about the future. This assessment combined with your needs could help you plan for the future.

Since, the market landscape is bound to change with time, it is important that you always keep an eye on it and adjust your portfolio accordingly to reduce losses and maximize gains.

Build your portfolio

Now to the final step. Once you have done your analysis, you can finally start building your portfolio by allocating the necessary asset classes and securities. You can always hire a portfolio manager for expert suggestions. It is important to understand that the whole objective is to minimize the risks and attain your investment goals.

You should not see your investments as a source of long term income. Instead, look at it as a business which could help you make money without actually participating in any business. Once you look at it through a business’ perspective you will realize the impact it could have on your wealth and the benefits that are meant to follow.

Once you have built your investment portfolio, you can relax and continue to keep an eye on the market. Make the appropriate changes as per the market scenario and stick to the strategy.

All the steps we saw are part of a cycle, therefore an investor must ensure that he keeps going about the same steps during suitable intervals. This will ensure that your portfolio is stable and your graph is moving towards your goals.

Conclusion

The world could be a much better place if everyone was financially literate and focused on making their money work for them instead of working for money.

When it comes to the stock market, the potential is endless. BSE Institute Limited’s Executive Program in Wealth Management is a course built for you to exploit the potential of the stock market and multiply your portfolio. This is your chance to learn something incredibly important and secure your future.

Investing in Small-Cap Mutual Funds

Posted on November 13, 2019Categories Financial Markets, Global finance, Indian Economy, Investment Banking, Mutual Funds   Leave a comment on Investing in Small-Cap Mutual Funds

Every person who begins earning is given one common advice,“You become rich only when you consume less than what you produce”.

This doesn’t happen with a salaried job, but by investing regularly in stock market.

Any professional will underscore the importance of being financially independent. You can’t be financially independent just because you have a nice job with a 6 figure salary. Your needs grow faster than your salary. This is where financial intelligence is important. If you can make your money work for you, all your goals shall seem attainable.

That brings us to the Indian Stock Market. An ambitious person will look at the best investing options and diversify his investments. Small-cap funds are popular among investors who are willing to take risks and go big. It is always advisable to have a small portion of your portfolio dedicated to these small-cap mutual funds which might give you some great returns in the longer run.

What are small-cap mutual funds?

Small-cap equity mutual funds invest in equity shares of companies that have a smaller market capitalization. These have potential to give higher returns because of the fact that these companies are young, and tend to expand aggressively. At the same time these are vulnerable to economic slowdown when compared to larger companies. Investors who have an appetite for risks can go for such funds in the market.

What makes it popular?

Small-cap funds are bound to generate higher returns in years to come. There are over 2000 small-cap funds available. When it comes to the BSE small cap index, there is a lack of proper coverage and information. Since the options available in small-cap funds are diverse, it continues to be a great option – as there are many companies which can give you great returns on investment.

Who should invest in small-cap funds?

As we said before, investing in small-cap fund tends to carry greater risk when compared to other mid or large cap funds. An investor who has an appetite for taking risks and is willing to invest for upto 10 years should definitely look at these funds. Someone who has a long term goal like buying a luxury product, a home, education or any such product that could involve lot of money- should keep an eye on small-cap funds.

A good strategy while looking at small-cap funds is to invest through SIPs (Systematic Investment Plans).

Things to consider before investing in small-cap funds?

  1. Risk: Small-cap funds are lesser established companies who can go out of business in case of a market crash. This is one major reason why people avoid investing in such high risk funds. At the same time if everything goes well, the gains could be enormous.
  2. Return on investment: This is better left unsaid. Every single investor has returns on their mind when investing. They look at potential gains before investing and hope that they get best returns in the longer run. No other fund offers better returns than a small cap fund.
  3. Investment period: The market is bound to fluctuate throughout the year. There are times when the downfall is unbearable to an investor. If you cannot manage to stay invested for over 5 years, don’t think about investing here.
  4. Goals: Historically speaking, the market has always seen small cap funds generate better returns. The scope for growth is immense. You could end up making some staggering returns, that can help you retire fast. For someone with a long term financial goal, this is the perfect investment and one that could pay handsome dividends.

Conclusion

Being financially literate is a must, no matter who you are. Master the art of financial investing with BSE Institute Limited’s GFMP Edge Financial Markets Program. With modules that cover basics about capital markets and financial markets, make your money work hard for you and ensure you retire young!

Build your wealth, Build it with wealth management

Posted on September 9, 2019Categories Education, Executive Courses, Financial Markets, Global finance, Indian Economy, Investment Banking   Leave a comment on Build your wealth, Build it with wealth management

The money that you earn is what backs you financially throughout your life. The problem is when you realize that the money earned is not sufficient enough to cover certain long term/ short term needs. This is exactly why you need to plan for multiplying your income.

Wealth management is your master plan for building multiple sources of income that can keep you comfortable throughout your life.

In order to have a well-planned wealth management system at your disposal, individuals hire wealth managers who assess their income sources and their financial goals.

Wealth managers act like CFOs for individuals. A wealth manager will start by developing a plan for his client which will involve steps to increase his wealth keeping in mind his risk taking appetite, goals and his financial situation. Once this is done, the client and the manager meet periodically to make changes and update the portfolio as required.

Let us suggest you a few tips that could act as the backbone of your wealth management plan.

  1. Spend less than you earnThis has to be the most basic and obvious tip you’ll ever get. The reason we mentioned this is because if you are planning to start managing your wealth, this is where you need to start.
  2. Invest only after proper research- There are various investment schemes for you to choose from. It is very important that you have thorough knowledge about the scheme you wish to invest in. After all it’s your hard earned money that’s at stake. One of the most common mistakes committed are by people who listen to the words of their friends or people they know personally. Never have blind faith in anyone when it comes to investing.
  3. Diversify your investments- In the words of Warren Buffett, “never test the strength of the current with both feet”. The reason being that the market is a volatile place filled with unpredictability. One of your investments might be giving great returns for years, but that doesn’t mean you should invest all your wealth in the same place. Diversifying your investment will keep you on the safer side at all times and ensure that market fluctuations don’t mess your whole portfolio.
  4. Be patient- Investing is no doubt a thrilling game, but it is important that you be patient at all times. The nature of market is such that it could test your patience and cause frustration. Believe in your investments and keep monitoring them. Always keep an eye and observe the investments that are performing and non-performing and accordingly shuffle your investments.

We have spoken about wealth management from an individual’s point of view, but it’s certainly not that narrow. It is extremely important from a business’ point of view to keep an eye on managing its income, expenditure and planning for the future.

A fine example now in the news, is the story of Micromax. Micromax is a consumer durables company that started off by selling mobile phones and now is getting into selling fridges, washing machines and electric vehicles. From the time they were valued at Rs. 21,000 crores in 2015, to dropping to a valuation of Rs. 1500 crores!

Many Private Equity investors are now selling their stakes in Micromax for heavy losses. These PE players are selling their stake for Rs. 93.65 crore to the promoters, who will now hold over 85%.

So why are investors shifting their money away from Micromax, when the company still has a lot of sales. The reason is that there are many Chinese brands which have flooded the Indian telecom market.

Chinese brands have changed the entire mobile phone market in India. These firms introduced the latest mobile phones, advertised heavily and built a solid distribution network in the market. This put many established players like Micromax on the back foot and they have struggled to adapt ever since.

Venture Capitalists and Private Equity Investors are companies which have raised funds from other HNIs, banks and other financial institutions. They come under tremendous pressure to pull out of loss making investments. PEs and VCs have to make money and reinvest the profits in other businesses. The managers running the funds get paid only when they earn profits. By staying put in a company with a falling valuation, the chances of earning, are quite low.

This is what successful investors do. They move their money from one investment to another – multiplying each time they move it. That’s how they build their wealth. This is how HNIs grow their wealth, but remember this – they all begin at the same place.

Conclusion

Wealth management is one of the most basic financial information that a person needs to know. It doesn’t matter if you’re from a different background, because we all earn money and our goal is to multiply it.

BSE Institute’s Executive Program in Wealth Management offers you an opportunity to manage your money with ease. This is your chance to be the person who doesn’t have to worry about money, because money to work for you!

Building with bonds

Posted on September 4, 2019Categories Corporate Finance, Education, Financial Markets, General, Global finance, Indian Economy, Investment Banking   Leave a comment on Building with bonds

Current account deficits, budget surplus, fund raising, etc, are all big terms which we hear about Governments during budgets. Have you ever wondered how a Government earns revenue when it plans to build bridges, roads and ports?

The Government just cannot print money when it plans to spend! It needs to have money it receives in the form of taxes for planning infrastructure expenditure, social sector spending and to pay employee salaries. A big majority of the income earned by Governments is via taxes – income tax, GST, export and import duties, etc. However only income earned through these is not sufficient to fulfill all budgeted commitments.

This is why Governments also raise funds through financial markets, primarily by selling long term bonds to investors. A bond is basically a loan taken from banks, Private Equity funds, Venture Capital Funds or anyone who has the capacity to lend large sums of money. The investors are paid a certain rate of interest for investing in these bonds.

An advantage of these bonds is that an investor can easily sell these on the bonds market and get his investment and interest almost immediately after purchase. Therefore, an investor can literally invest today and get a great return on his investment in a matter of few hours. Also, the chances of a Government defaulting are very very low, as a country can simply print money in order to meet its debt obligations and hence there is no risk of any debt default.

This has been the greatest attraction for investors, as it’s possible to multiply your funds immediately, without any risk of default.

In India, we have different types of bonds which are as follows:

  1. Government Bonds- These issued by the central government with mandatory periodic returns. The government borrows money to fund roads, schools, etc. These are also known as ‘sovereign debt’, and a good option for people with a low risk appetite.

 

  1. Corporate Bonds- These are bonds used by large financial corporations. They tend to give better returns but, there is a possibility of default as it’s corporates who issuing the bonds. A company’s assets are usually tied as collateral against bonds.

 

  1. Municipal Bonds- These bonds are issued by the state governments or the local governments in order to raise money for the government activities. They need to have a maturity period of 3 years and are backed by the government, and hence are safe for investors.

 

  1. High Yield Bonds- These are bonds rated below investment grade. They offer a high rate of interest because it runs a higher risk of default. It is usually issued by small companies who have just entered the market.

 

  1. Public Sector Bonds- These bonds are issued by Public Sector Concerns, which are companies, owned by the Central or the State Government. Therefore, the risk of default is again very low.

 

France, the second largest economy in the Euro zone is one of the latest European countries to issue negative rate of interests on its bonds. The other few notable names are Germany, Switzerland, Netherlands, Austria and a few others. What this means is that an investor is paying these countries to take his money! This situation arises, when investors don’t find other safe investment option and are basically buying bonds to safeguard their funds from taxes.

It’s quite a turnaround for the European Union, which in 2008 was on the brink of collapse, due to a possible debt (bonds) default by Portugal, Ireland, Italy, Greece and Spain. From sky high bond yields to getting paid for accepting investments – its’ quite a turnaround!

As the Euro Zone countries share the same currency, they have only one bank, .i.e. the European Central Bank (ECB). The bank’s Governor is nominated by taking all Euro zone countries on board. But, here’s the catch! These countries cannot print as much money as they wish to as no single country has any control over the central bank. Therefore, no country can spend without any worry and investors run the risk of facing real defaults.

This was an unseen circumstance for investors and the Governments. It resulted in severe budget cuts for the countries mentioned above in order to have an economy that can pay for these bonds. This resulted in a severe recession across Europe and in effect the World.

Apart from the Euro Zone crisis there have been very few instances of countries defaulting on their bonds. Thus, bonds are a great way for investors to earn money safely and quickly.

Conclusion

An investor is blessed with multiple investment options to choose from. It is time Indian investors start taking bonds seriously. They are one of the most underrated forms of investment.

BSEVarsity.com offers you a Certificate Program on Bond Markets to give you a better understanding of bond markets, and help you diversify your investments.

 

Indian Banking Sector – Growth opportunities and how to stay relevant

Posted on March 28, 2018Categories Education, Financial Markets, Investment Banking   Leave a comment on Indian Banking Sector – Growth opportunities and how to stay relevant

Current trends

The disposable income among urban and rural population has been steadily increasing over the past several years, and as a result, there has been an upsurge in spending, saving and deposits. Government in India, recognizing this unprecedented opportunity, has been making access to the banking system easier and simpler in the recent years.

The banking sector is about to get a further impetus and become an even more important player in the financial sector, as Government of India unveils a 2-year plan to reinvigorate the public sector through reforms and capital infusion of Rs 2.11 lakh crore (USD 32.5 billion).

Future prospects

With the government continuing to invest heavily in infrastructure, pushing for rapid project executions and introducing pro-growth reforms – Indian economy is all set for robust growth.  Consequently, the banking sector will receive a boost since the fast growing businesses would turn to banks for their credit needs.

It’s no wonder then that KPMG-CII, in their joint report, evaluated that India is on a trajectory to become the fifth largest banking sector globally by 2020.

What this means for you?

This is the best time to be a part of the Indian Finance and Banking sector.

The talent need for the sector will be higher than ever to meet the demands of the growing Indian economy.

According to a recent report by the National Skill Development Corporation (NSDC), the banking industry will likely employ about 14 lakh people by 2022.

With the rising use of technology in banking services, employers are looking at a wider set of skills from the employees to help manage banking operations efficiently, mitigate risks and enhance productivity while keeping the cost low.

Gearing up for opportunities

If you are keen to positively contribute and grow in the Indian Banking sector, then why not pursue a course to learn the finer aspects of Banking and Finance?

Introducing BSE Institute’ Post Graduate Program in Banking and Finance.

In this 10-month course, you will get thorough knowledge of banking operations, FOREX markets, international trade and finance, bank credit, legal environment of banking and IT systems in banking. The course is split in two semesters comprising 20 subjects and a project. Apart from extensively training students in all things banking and finance – the program hones your analytical and decision making ability, communication skills and self-confidence, while helping you become a better leader and manager adept at handling diverse financial projects.

Students will learn functioning of financial markets, interest modeling, risk management, credit management, inflation, monetary and fiscal policies, commercial banking operations, financial statements, accounting guidelines, wealth management and many other subjects.

The seasoned faculty members at BSE Institute LTD take on the mantle of instilling practical knowledge while developing business acumen and innovative thinking in the students. BIL’s rich legacy spans over 24 years, in which over 8000 students have graduated to become successful finance professionals.

Which roles can you take up?

The course equips students to successfully contribute to any of the leading national or privatized banking and financial institutions as a Probationary Officer / Management Trainee.

If you are interested in BSE Institute’s Post Graduate Program in Banking and Finance, please visit pgpbf.bsebti.com.

With this, you can easily build a Billion Dollar MNC!

Posted on August 7, 2017Categories Entrepreneurship, Financial Markets, Global finance, Investment Banking, Short term programmes   Leave a comment on With this, you can easily build a Billion Dollar MNC!

We always wonder as to what sets the great founders of Billion Dollar companies apart from the other normal people. What sets great executives & CEOs apart from other CEOs? Is it just their passion, focus and commitment? Many people will agree with this. Most of us will believe that the commitment of the senior management to exceptional customer service, product development and outstanding branding and marketing are good enough to make you stand apart from the competition. However, there is a lot more to this than just these. One important aspect that tends to be ignored and does not get the right amount of attention is the business acumen of that leader.

Business acumen comprises of a lot of things. It is used loosely by many writers and journalists as the ability to understand the pulse of the market. That ability is actually a very small part of the overall business acumen needed to run and grow an organization.

It starts with understanding the kind of organization that is suitable for your business. It can be a sole proprietorship, partnership, private limited or a public limited company. Each type of company has its own advantages and disadvantages. The advantages can be in the form of Government support like subsidies or benefits which will make it easier for anyone to operate their business. Recruitment is easier in a Public Limited or a Private Limited company as the Government asks for a lot of details from the promoters and hence is comparatively easier. Many times, some companies insist on their vendors/ suppliers being registered Public/ Private companies, without which they may not do business with them. This is true specifically for Government tenders. This makes it very very important to know the right kind of company structure that is needed for your business.

Another important aspect to note is the liability of the founders/ promoters. In a partnership/ proprietorship, the founders are personally responsible, .i.e. the banks, vendors and employees can legally get the personal assets of the founders in order to claim all their dues as settled. However, the promoters personal assets cannot be touched as the law does not allow it. These are some protections that every promoter and founder should be aware of.

Understanding the various forms of funding and financing for companies is one of the most important points. Most businesses in their infancy need a lot of capital. This is true also for established businesses which have been operational for a few years. Knowing the best options for raising funds at the lowest cost, .i.e. the lowest rate of interest on your loans is the most important task for your business. Getting cheap capital in order to grow your business is a major reason for the reason for people from finance getting senior positions in the company. Raising funds from the market may be in the form of loans, debentures, stake/ share sales, etc. and choosing the option that is the most beneficial one for your company is the decision that sets you apart. Sometimes a wrong decision can result in your business being unable to keep up with the finance payments and could result in the banks taking over your business or replacing you with their CEO.

Raising capital is difficult business. Raising cheap capital is even more difficult. It is extremely important to be well networked in order to raise capital at a favourable rate of interest or in a way that doesn’t cost you too much. The best way to build these contacts is through your personal networks, through professional networks and you can start very early too. It is possible to collect such contacts while you are still in college. BSE Institute Ltd (BIL) is a 100% subsidiary of the Bombay Stock Exchange (BSE). It offers multiple courses for students and professionals to grow and excel in their careers in the BFSI industry. Its courses are taught by senior industry professionals and thus are a great way to gain industry insights and knowledge.

Managing working capital in the best possible way is another important skill that is a part of having business acumen. Most of the times, cash will always be short in supply and it is your decision to allocate it smartly in order to avoid borrowing any of the cash. 90% of the times, it is your clients which do not pay on time and this results in a cash shortage that impacts your day to day operations. If one is able to collect the outstandings on time and avoid any such situation, you are able to avoid the additional cost of loan financing that you may need.

Understanding the various financial ratios is important as that is the language in which most bankers and investors talk. Understanding and talking about financial ratios is very very important as the better your firm looks on a balance sheet or any other financial statement, the better chances of you raising more capital.

Leading your company through the industry and keeping up with its demand for capital and other requirements can be a demanding task. You may face disappointments, despite managing all stakeholders well. However, there is a solution to all this and as always its to NEVER EVER QUIT.

 

How is a global financial hub built? You can witness it as you work in New Zealand!

Posted on August 6, 2017Categories Financial Markets, Global finance, Investment Banking, MBA, Mergers & Acquisition   Leave a comment on How is a global financial hub built? You can witness it as you work in New Zealand!

London has been the most important global financial hub of the World for as long as history has been written. It has been a hub for traders, insurance companies, investors and bankers for many centuries. There are other hubs like Hong Kong, Singapore, Dubai, etc which have become important, but none of them are as important as London. New York is the only other hub that can be compared with London. The reasons are simple.

There is no other country that is strategically placed with an easy access to every continent, with its own motherland being significant geographically & politically. Another major reason is that these two countries are known World over for their manufacturing prowess and their export oriented economy. One more distinguishing factor is the availability of skilled talent. US & UK are known world over for their excellent colleges & Universities.

There is no other country that has been able to adapt to the changing times and has adopted technology with ease. This gives the hubs of London and New York a distinct advantage over any other country, thus making it difficult for any other financial hub to come up or catch up. China satisfies all of the above criterias, but its economy operates in a different way, .i.e. it is state controlled. India is making rapid progress, but we have miles to go even before we reach the size and scale of a Singapore, Dubai or Hong Kong.

New Zealand is one country that is poised to take off as a financial hub. Anyone wanting to be a part of game changing economy need not look any further. New Zealand may sound like an unconventional choice, but the reasons for choosing it are rather simple.

It is a member of the highly developed group of countries – OECD (Organization of Economic Co-operation & Development). OECD countries are considered to be the most advanced in the World. This has ensured that its economy is already wired into the most developed global financial and trade markets. This allows any new business and company to operate smoothly globally, without having to furnish proofs and documents that they may have to provide if they operated out of a country that is not a member of the OECD. They are able to avail facilities and services for which companies from other countries may have to furnish bank guarantees.

New Zealand has been investing heavily in developing and upgrading its technology. This again makes starting & running a business in New Zealand very very easy. Its investment in research and development has made it a sought after destination for entrepreneurs. The Government of New Zealand supports entrepreneurs in many ways by providing work visas, subsidies and funds for R&D. Many people across the globe target these subsidies and visas in order to have an easy first few years for their startup. This also ensures that established companies have a ready supply of skilled talent and path breaking technology. Once acquired, this technology can be easily implemented across the OECD countries and the World.

New Zealand has invested significantly in the education sector. It has some of the best Universities in the World. Students from all over the World target New Zealand’s Universities for getting their Undergraduate & Post Graduate degrees. Finance, happens to be one of the most sought after courses as New Zealand is busy building its financial infrastructure. Having a Masters in Finance from New Zealand is totally worth it. A student gets good recognition from a World class University and great job prospects on completing his education. BSE Institute Ltd & the University of Otago jointly offer a 12 month Masters in Finance. It gives students an opportunity to work in New Zealand on completing the course and incase you don’t have a job in hand on completing the course, the Govt of NZ gives you a 12 month work search visa. The average salary that students earn on completing the course is $50,000 per annum.

Keeping all this in mind, New Zealand is investing a significant amount of funds in making it the financial hub of choice for major banks and MNCs. Having the right talent, technology, skills and funds will ensure that this financial hub will be influential very soon. Being able to witness the building and development of global financial city from scratch is a rare privilege that a few people get over the course of their lifetime. Building a global financial hub takes time and now is the best time to start, when the process has just begun. With the opportunities cited above, it may be possible to have your name etched in history as one of the few Indians responsible for building a global financial hub. You just need to reach out and grab this opportunity.

A Master’s in Finance gives you the best #Brexit deal: A job in Europe

Posted on August 5, 2017Categories Internet of Things, Investment Banking, MBA, Mergers & Acquisition   Leave a comment on A Master’s in Finance gives you the best #Brexit deal: A job in Europe

One of the most hotly debated topics in Europe since 2016 has been #Brexit, .i.e. the British exiting the European Union. The United Kingdom decided to have a referendum about their future in the European Union (EU) and they voted decisively to leave the EU. The EU is a union of 28 European countries that are closely bound to each other due to open trade, borders, single visa and the ability to negotiate treaties on behalf of all 28 countries.

Any citizen of the EU can travel to any of the 28 countries without the need to apply for any visa or special documents. This allows them to work and reside in any country of their choice. They will also be eligible for all the subsidies and benefits of the host country. Any business owner need not have to adhere to any special law or treaty to export to any other country of the EU. He can easily send and sell his goods to any country of the EU as if he were doing so in his own country. The EU’s customs union has set the laws for taxation and pricing of all goods and services that are offered in the EU, thus making it easy for everyone to do business in the EU.

An expat needs to get a Schengen visa in order to travel and work to the EU, a visa that is valid for all 28 countries. This had made doing business in the EU very very easy. However, with Brexit, there is a lot of uncertainty now. UK has the most important finance hub of the World, London. People want to know how Brexit will impact it. A lot of businesses would choose to park their funds in London due to multiple benefits that are available for business owners and also because they can easily run their businesses all across Europe from here.

However, now the usual way of doing business has been shaken up as UK’s exit will usher in new rules that govern working in the UK, doing business with the UK and most importantly trading with the UK as imports and exports are a very important sources of jobs for any country.

For students planning to go and study abroad, this has become a very tough situation as now they are not sure if they are still welcome in the UK & the EU. We cannot be sure about the UK, but students are welcome in the EU. The EU is not as big as the UK in terms of being a financial hub. It depends heavily on UK. Without UK, it now has to build its own financial hubs all over the continent in order to support every industry that conducts business.

It is for this reason that the EU is welcoming students who can support its growing financial industry, its banking sectors and its Fintech startups. Completing an MBA or a Masters in Finance in a EU country is the best way to secure a job with a fat pay package. A 2 year Masters in Finance which is jointly offered by BSE Institute Ltd & the Frankfurt School of Finance & Management gets students a 2 years work search visa after they complete the course. The course has an average starting salary of Euro 50,000. That is approximately Rs 38 lakhs. Extremely rewarding if you ask me!

Most students are afraid of shifting to any country due to the fluid nature of global politics, but any government which takes any steps has to first announce its intention to make changes at least a year in advance in order to make changes to the visa and immigration policies.

Most students who visit the EU for studies are able to settle easily and now with the onset of Brexit, it will be easier as the EU is desperately in need of skilled talent to build its financial services sector. Brexit is a once in a lifetime opportunity for us and most opportunities knock on the door, but only once!

 

Zoom ahead of normal MBAs (Finance) with a Masters in Financial Technology

Posted on July 11, 2017Categories Algorithms, Analytics, Artificial Intelligence, Blockchains, Cybersecurity, Data analytics, Digital currency, Education, Internet of Things, Investment Banking, MBA, Payment solutions, Robo advisor   Leave a comment on Zoom ahead of normal MBAs (Finance) with a Masters in Financial Technology

Having an MBA in finance is something that everyone agrees is the best way to a good well paying career. The question is, do we wish to stop at that, or be open to better opportunities? If you believe in the latter, then a Masters in Financial Tech is the course for you. Technology has disrupted every industry & aspect of the modern world. Shopping, healthcare, education and BFSI is no different.

With the advent of digital banks, payment gateways, cryptocurrencies, etc. banking has become super easy and threatens to take the financial power out of the hands of traditional banks and financial institutions. In order to stay up to date, banks have been investing billions of Dollars in fintech. While it has been easy for them to set up the systems, it has been very tough to build a team or an organization of people who can handle these systems. The reason being that such professionals are not available in the numbers that the industry needs. Fintech professionals are able to command  handsome salaries because of this.

BIL and Mumbai University, now jointly offer a 2 year full time Masters in Financial Technology. The course is divided into 4 semesters and is open for all students who have completed their graduation. The course has been designed to make students competent in not just financial technology, but also in the subjects that an MBA (Finance) would be proficient in. In short students will be able to manage fintech business divisions on their own and be able to understand the tech that runs it. Students will have to clear a written test and a GD PI round to secure admissions.

Student will be taught by working industry professionals who have at least a decade of work experience under their belt and are highly sought after finance professionals. They are opinion makers who are regularly quoted in media and are placed at senior echleons of the BFSI sector. Students are taught using case studies, group discussions, presentations that are developed on the basis of recent business problems. This promotes an interactive atmosphere in classrooms and builds a proactive nature and a critical thinking ability, both of which are very important for the BFSI industry.

The main subjects of the course are Financial Accounting, Business Statistics, Data Analysis and Interpretation, Principles of Financial Management, Peer to Peer networks, Blockchains, Digital currencies, Insuretech, Derivatives, Fund Management, Robo Advisors, Algorithmic Trading, Banking Technology & Operations, Cybersecurity applications and entrepreneurship management. Students will get to train under some of the best industry professionals working at major financial institutions.

BSE Institute Ltd (BIL) is a 100% subsidiary of the Bombay Stock Exchange Ltd (BSE) offers a variety of courses related to Financial Markets and the BFSI sector. Through BIL, BSE aims to promote learning and development in the field of Banking, Financial Services and Insurance (BFSI). It aims to be the platform of choice for working executives, the industry and students to gain the appropriate knowledge and skills for them to identify market opportunities and grow. It has the distinct advantage of being at the centre of the Indian subcontinent’s financial capital and thus take advantage of its position to support the industry and the community at large.

BIL offers multiple short term & long term courses for students who wish to build their careers in the BFSI sector. Its courses are recognized internationally in Canada, UK, Germany, Australia & New Zealand. It has won multiple accolades and has been cited in the various media publications for the outstanding training and education provided to students.

Mumbai University was founded in 1857 and has over 5 lakh students on its rolls at any point of time during an academic year. It is one of the oldest, largest and the most prestigious learning institutions of India. Due to its illustrious legacy, it counts on its alumni, many of whom lead illustrious organizations and industries, for designing its curriculum and providing guidance to its students.

Mumbai University offers a Masters degree to students who successfully complete the 2 year course in Financial Technology. Students will also be given placement assistance on completing the course. You can click here to know more about the course.