There is complete panic among investors. There are many who would like to exit to just make sure that they reduce their losses. For lump-sum investors in mutual funds, it would be quite tempting to even book losses. However, for investors who have taken the systematic investment plan route, it makes little sense to do so.
As the global markets go through a financial crisis, small investors, who have invested in mutual funds and stocks, have been feeling the heat. During times like these, investors have to keep their cool, lest they make decisions that might not be rational. There are some common indicators that will help to identify if you are panicking.
The financial meltdown abroad should serve as a lesson for the investor. Save well for troubled times.
Balance transfer gives you an opportunity to reduce the card burden. However, use this method judiciously.
Converting credit card outstandings to a personal loan reduces the interest burden. But one needs to select the right tenure.
Outperforming the market is not a great signal for investors. A bit of caution needs to be exercised while investing in such instruments
By applying with a senior citizen or combining funds, better returns can be attained through fixed deposits.
For individuals, it is important to keep the cash component of their portfolio in safe and secure instruments so that it is easily available in times of urgency.
Avoid simple mistakes to make sure that the income tax returns process is hassle-free.
Unrealistic expectations from your investments will only lead to financial strain.
Credit cards are fast emerging as an acceptable mode of payment for many instruments. At present, insurance payments can be made through cards. Soon, mutual fund investments could be allowed as well.
During the first two months of the financial year, it's usual that your company will send a piece of document with a lot of columns that need to be filled up. Typically, this means that you have to declare the investments, which you will be making, during the current financial year.
While the WPI may give a particular inflation figure, in reality, the real rate differs from person to person. An illustration on how to calculate it for yourself.
For the direct investor in stocks, a few interesting things to look for in a company's balance sheet.
Adequate tax planning in the first week of the financial year can help you reap rich rewards. Investors can consider the following investments for 2008-09. Public provident fund - a 15-year scheme, where you can invest up to Rs 70,000 each year, for deduction under section 80C. Equity linked saving schemes is also exempted under section 80C. Five year fixed deposits too are profitable options. A shortfall in the number of installments would lead to increase in tax liability.
In an economy that is slowing down, invest in defensive sectors to bring stability to your portfolio.
Demergers of companies offer opportunities to investors to create wealth.
Follow a portfolio approach rather than individual investment decision for best results.
The fear of an economic slowdown has led to increased attention on interest rates movements all over the world.
The requirement of PAN for every purchase will add to the confusion for investors. Here's why.
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