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Personal Finance

December 31, 2012
50 stocks that you can BUY for 2013
Here is a list of stocks spanning various sectors that brokerages and research houses across the country are recommending for 2013.
December 27, 2012
Why it makes sense to start investing early!
For most people, investing may not even be on the priority list when they start their career. Planning to buy a dream home? Read on...
Owning a home is a dream for most of us and thanks to the diverse home loan schemes available to make that dream a reality. Investing in platinum? Here are a few tips
While investing in gold and silver has been going on, another investment avenue that is blooming since past few years is the 'noble metal' or platinum. Stocks overshadow gold's glitter with strong rally
Gold has been glittering bright for investors for many years, but the year 2012 saw Indian equities overshadow the yellow metal's sheen with returns of more than 25 per cent. SILVER offered higher returns than gold in 2012
Silver outperformed gold in 2012 in the domestic as well as international markets on resumed stockists' demand amid expectations of a revival in global industrial activity. How and when TDS deductions can be avoided
There is no uniform rate for TDS deduction. Depending on the source of earnings, it can range from 1% for sale proceeds to 30%.
December 26, 2012
Know all about the cheque truncation system
India processes as many as 1.2 billion cheques annually and, therefore, the implementation of this system would drastically cut down the waiting period involved. The system will be implemented nationwide from January 1.
December 24, 2012
Good news: Markets can give 14% returns in CY13
As reforms and favourable rate cycle kick in, we could see further improvements in earnings growth and market re-rating.
December 19, 2012
Should you stay away from STOCKS right now?
It's been a tough three years for retail investors. With the Sensex giving barely 4 per cent annual returns, even lesser than the inflation rate, it is very difficult to keep waiting. Investors are, therefore, booking profit and exiting the markets. Should you?
December 11, 2012
Disputed property title could block your ownership
A thorough background check will ensure hassle-free title for an immovable property. Ensure that all the parties are involved in the process of sale.
December 10, 2012
Your money, their business
Family offices provide investment advice, plan succession and even help buy airplanes. E-gold, gold plans or ETFs: What's best?
While e-gold is cheaper than gold plan, it's not tax-friendly like gold ETFs.
November 27, 2012
INVEST to make homes eco-friendly, reap rich rewards
Buying and installing the equipment are the major cost factors, which can be recovered in a few years.
November 20, 2012
There is no AUSPICIOUS day for investing
While some investors follow fundamental research and price charts to invest in stocks, there some who rely on planetary movements to invest. Here are some heuristics investors resort to and ways to avoid it.
November 16, 2012
Popularity of Indian stocks at 11-month LOW
BofA-ML global fund manager study says investors 11% underweight on Indian stocks in November, down from about 5% in the previous month.
November 15, 2012
STOCKS: Where should you put your money this Diwali?
As investors struggle to find quality stocks following the sharp rise in the benchmark indices, four brokerages give their picks.
November 13, 2012
Why having a clean credit history is important
Even before the first salary is credited, there is an EMI to be paid.
November 09, 2012
Pre-paid cards: BEST for the festive season!
For all those who face a tough time choosing gifts, a pre-paid gift card is an excellent option.
November 06, 2012
Invest in gold; Prices don't matter
Besides being an investment instrument, it is hedge against inflation and store of value. How to plan for HEALTH-related expenses
You need to start much early considering costs have risen 40-70% in just five years. Should you HOLD on to a controversial company's stock?
Often, the stocks of companies mired in controversy continue to do well. What should you do?
November 05, 2012
How to make your PORTFOLIO inflation-proof
With the average WPI-based inflation at 7.5% and CPI-based one above 10%, a bit of aggression is required to beat inflation. Four experts give their views. Buying electronic goods on EMIs doesn't make sense
Check for hidden costs such as processing charges, especially for products below Rs 50,000.
October 30, 2012
Don't get CONNED: Insurance is not investment
Agents are still misleading consumers by suggesting insurance products are good investments.
October 29, 2012
Want financial freedom? Decide the goals
In spite of having sufficient money, the absence of direction leads to losses. One withdrawal from PF can cost you Rs 21 lakh
Withdrawing the amount each time you move job(s), or otherwise, can make a huge dent in your retirement corpus.
October 26, 2012
All about index funds and COSTLY errors
Even funds don't promote these as low-cost options.
October 24, 2012
Relationship manager is NOT the best advisor
They hawk the 'best loan, credit card, insurance products, forex deals'... but you may not need them.
October 16, 2012
How to EXIT stocks before they fall sharply
Satyam Computer, Pyra-mid Saimira, KS Oils and Kingfisher Airlines are among those companies whose shares have fallen like eggs on the floor.
October 12, 2012
Holding illiquid stocks? Don't panic, there are options
You could exit on completion of your set target or on spurt in the stock price.
October 09, 2012
How life insurance policies can help NRIs
Indians have spread to virtually every corner of the globe and have made their mark in the chosen line of business or profession.
October 05, 2012
How to increase home loan eligibility
The eligibility is calculated on the basis of repayment capacity of the applicant on a monthly basis. Existing borrowers can opt for loan conversion
Borrowers can make a home loan switch to a bank that is offering a lower interest rate. How to check Income Tax refund online
This is as easy as it gets and all one needs to do is to enter the PAN number and the assessment year on this site to access the current position of the tax refund.
September 25, 2012
How to build a portfolio
Before jumping to build a portfolio of stocks impacted by the recent reforms, choose the ones which will benefit the most. Why borrowings will be cheaper post reforms
Though household expenses are up, borrowing will be cheaper.
September 21, 2012
Applying for a loan? Know your credit report
A credit report is an accumulation of all your loan accounts, loan repayment history, and delinquencies, if any.
September 20, 2012
Selling jewellery? Be careful, it's actually a big LOSS
Documents like sellers' ID, receipts, residence proof will be required. Also, be ready to lose 10-15%.
September 13, 2012
Good news! Permanent PF a/c number by 2013
Come March 2013, salaried employees will be able to switch jobs, without worrying about withdrawing or transferring their savings with the Employees Provident Fund Organisation (EPFO).
September 12, 2012
'Good time for retail investors to enter market'
These are testing times for the mutual fund industry.
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