Insurance and investment are two different needs. Then, there are Ulip pension plans with no sum assured. No wonder, there is confusion.
Delay your asset reallocation, take a call on debt after a few months.
With the financial year coming to an end, one needs to start proper planning for the new one.
Go for short-term debt funds and fixed deposits, delay home or auto loans.
Thirty per cent of the firms - mostly big companies - had no ceiling on the gratuity amount.
The common man's main grouse is high inflation numbers. But there are other anomalies as well that need to be addressed.
With necessity being the mother of invention, commercial property developers are going off the beaten track to meet the challenge of a huge sales slowdown.
Unlike fixed deposits or other recurring deposits, the rate will be reviewed every three months.
Don't make fresh lumpsum commitments, but continue with your SIP investments.
For an investor, gold is a necessity in the portfolio.
With HDFC also jumping on the dual-rate bandwagon, a home buyer has some good options.
Though Dubai has great infrastructure, the decision to purchase should be delayed by another four-five weeks.
IndiaBulls Power IPO's charged-up performance (the issue was subscribed 21.84 times) earlier this month had only one jarring note: the retail portion of the initial public offer barely scraped through, with a subscription of 1.09 times.
For instance, new fund offers of ICICI Prudential, Tata Mutual Fund and Fortis are on, while Religare, HDFC and Principal PNB have applied for launching NFOs.
For retail investors, who had suffered big losses in the mayhem that started in January 2008, this is certainly a good news. Since mid-March, when the Sensex was languishing at 8,000 levels, there has been a sharp change in the mood. Markets have risen over 100 per cent. Even returns from mutual funds have improved substantially.
For high networth individuals, IRFs could be a good hedge against loans or existing fixed deposits.
While retaining the basic exemption limits at Rs 1.6 lakh (for individuals), Rs 1.9 lakh (for women) and Rs 2.4 lakh (for the retired), the slabs have been hiked substantially.
Reduced EMIs may be very appealing to borrowers because of a lesser burden on a monthly basis, but there is a catch to it. If the tenure remains unchanged, there is a higher interest outgo.
Ajit Jain specialises in mega-catastrophe coverage, that is, he takes risks that rivals avoid.
Cheap investment options that offer quick entry and exit.
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