Investors globally have found solace in gold in the last one year when major world economies slipped into recession. Sample this: According to World Gold Council data, investment by exchange traded funds in gold was 150 tonnes in the third quarter
Both property prices and interest rates have fallen sharply.
A market-savvy investor can also use this opportunity to make a quick buck. That is, purchase the share at a lower price from the market and sell it back to the company at a higher price.
With the rising cost of health cover, insurance companies are looking at innovative products to attract customers. The latest offering is top-up insurance that comes at almost half the premium.
For instance, in early December, SBI was offering 10.5 per cent on a 1,000-day FD. This was lowered to 10 per cent in mid-December. A fortnight later, in January, the bank is offering only 9 per cent for the same tenure. For investors, who missed the bus in October and November, this is certainly bad news. However, all isn't lost. There are some segments still where the rates on offer still look interesting.
According to sources, the family has pledged majority of its shareholding and real estate assets to various institutions. Two institutions, Maharashtra government's financial arm, Sicom, and IFCI, confirmed that Maytas promoters had pledged shares around a year ago to raise resources. IL&FS too has similar exposure to Maytas, said sources. However, this could not be confirmed.
Valuations of projects dated, says valuer. Also, angry shareholders could come together to oppose the proposed reverse merger.
While the fall in rates is certainly a good signal, is it a great idea to take a loan to purchase a home or car? Most experts felt that this may not be the right time to do so.
Most mutual fund players and life insurance companies are planning to bid for appointment as pension fund managers for all citizens after the Pension Fund Regulatory and Development Authority (PFRDA) today decided to seek expression of interest from prospective fund managers.
With a sharp dip in property prices, leading banks, including State Bank of India, are reassessing the value of properties against which loans have been granted.Sources familiar with the developments said that banks are worried that the recent fall could impact their risk valuation, if asset prices continue to fall.Banks are now worried that if rates fall further buyers may lose interest in the property, especially if they are not living in it.
Data from Value Research, a Delhi-based fund tracking firm, show that the category average returns from equity-diversified funds have been 14.5 per cent a year over this period. Banking funds, which invest in banking and other financial sector companies, have given returns of 23.66 per cent.
The category average returns from equity-diversified funds has been 14.5 per cent a year over this period. Banking funds, which invest in banking and other financial sector companies, have given returns of 23.66 per cent. Other categories that have done well are fast moving consumer goods, tax planning and hybrid (equity-oriented) funds.
In the last six months, things have changed for the better for the home buyer. Most of the cities are witnessing a sharp drop in prices, almost back to where they stood in December 2006. While most developers and brokers are unwilling to admit this, sit across the table to negotiate and you just might be surprised.
If you are sitting on idle cash, it's better to invest the same in income funds and earn over 10 per cent returns, say investment advisers. They believe that falling interest rates will jack up returns from bonds and investors can earn high returns if they deploy the money with a horizon of six months to a year.
An official of one of the biggest travel agencies in the country said that internationally, exchanging currency at the airport is most expensive as they charge higher rates. This is because travel agencies have to pay higher lease rentals at the airport. Also, the authorities share revenues.
Experts explained that normally, the IT department sends notices to only those people whose yearly credit card transactions cross Rs 200,000.
The proposal to scrap 'indicative portfolios' has arisen because investors have sometimes found deviations of as much as 80 per cent between the indicative and actual portfolios. In some cases, the entire corpus has been invested in a single instrument. Sebi will also consider Amfi's suggestion of a 3 to 6 per cent exit load for FMPs, a minimum tenure of three months and a faster processing of redemption payouts,
Sebi likely to come out with a policy paper soon.
However, the norms have become extremely stringent. The overall tight situation in the credit market has hit consumers quite badly.
Security experts say the first rule to avoid falling into a hacker's trap is to never give out passwords, pin and other personal details to anyone or any website. Never respond to emails that seek personal information. When you access your net-banking facility, check for security certificates. Change your password often.
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