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Personal Finance

November 28, 2003

'Market favourble to long term investors'
From a longer term prospective, while the markets are not as attractive as they were six months back, it would be correct to say that there is reasonable upside for medium to long term investor, said Prashant Jain, head-equities, HDFC Mutual Fund.

Fund of funds: The new funda
Fund of funds takes diversification to a new level. By investing in more than one mutual fund, the fund ensures that the investors holding are diversified across the widest possible range.

November 25, 2003

How to choose an insurance company?
The financial well-being of an insurance company is probably the most important factor that must influence you to take insurance from a particular company.

November 24, 2003

Risk-return tradeoff gets thumbs down
Surprisingly, a large section of the investing community (54 per cent) consider themselves proficient enough to gauge a good mutual fund investment on the strength of its portfolio.

November 22, 2003

Is it time to enter the markets?
It was yet another dull week at the debt markets and the sentiment continued to be negative.

November 21, 2003

Are govt savings schemes absolutely safe?
Today, money is pouring into government saving schemes on the premise that the return is being guaranteed by the Government of India. But is the chance of default really zero?

November 20, 2003

How much cash do you need?
Ask the question "How much cash do you need?" and the most likely answer you'll get is "As much as I can lay my hands on." What we are looking at is the liquid funds deposited in savings bank accounts and stored in cupboards and bank lockers.

November 19, 2003

Get your home loan even cheaper!
This is probably the best time for consumers to take a home loan. Interest rates have hit rock bottom and fierce competition among housing finance companies has ensured that consumers are being offered loans at very attractive rates.

Aviva Life launches child policy
Aviva Life Insurance has launched Young Achiever Policy, a child policy which helps the parents plan the financial needs of their child.

November 18, 2003

Splitting your insurance policy
Take a look at one of its most important features that allow clients to split the policy so as to reduce the premium component significantly.

Volatility rears its head, yet again!
The much-anticipated correction in the market seems to have finally set in.

November 17, 2003

Gift a monthly income!
Monthly income plans are a hybrid version of balanced funds; however, the composition is lop-sided in favour of the debt component.

Pure risk cover. it's a must
Some people 'invest' in insurance, thinking that returns are attractive. Very few, however, buy insurance for the right reason, i.e. the life cover.

Fixed returns: Victims of inflation!
Investment avenues that offer fixed returns have borne the brunt of the softer interest rate regime.

November 15, 2003

Presenting plastic
The gift card is the latest variation from banks looking for innovative ways to attract new customers, says Smita Tripathi.

Are drop-boxes safe?
The facility for putting cheques in drop boxes is convenient but can also lead to undesirable complications, says Rosy Kumar.

November 13, 2003

The mechanics of zero interest loans
Banks and finance companies running the so-called 'zero per cent finance schemes' are actually charging interest ranging from 13 per cent to 16 per cent -- two to three percentage points above prime lending rates.

November 12, 2003

All about tax on income from mutual funds
Given that the tax implications can have a significant impact on the return earned, it is necessary to understand the tax implications for both these heads of income.

Make an early start with a pension plan
Invest in a plan that is specifically designed to take care of your old age/post-retired needs. A pension plan is one such product.

November 11, 2003

Are you with the right investment consultant?
If you don't have the right investment consultant, you will never have the right investments.

The world of 'fund of funds'
A fund of funds is a mutual fund which invests in other mutual funds.

November 10, 2003

How to plan your finances
Financial planning is a relatively simple activity, which may not even require professional help.

November 8, 2003

An LIC policy, only for women
LIC's Jeevan Bharti is the only policy targeted specifically at women. Smita Tripathi looks at its salient features.

Week marked by volatility. What now?
Investors must have a debt component in their portfolio to provide the much-needed hedge against volatility in equity markets.

November 7, 2003

Pension plans: What to look for
There are many issues that customers need to check as these could have a significant impact on the returns they are expecting from the policy.

November 6, 2003

Six easy steps to a home loan
Applying for a home loan may seem like an Herculean task, but it need not be so. We list six easy steps on how to go about applying for a home loan.

November 5, 2003

'Economic projections are realistic'
In an exclusive interview with Personalfn, Shah shared his views on the monetary policy and what it holds in store for the economy and the fixed income segment.

November 4, 2003

Markets bring cheer to investors
Banking on this week's solid performance, the markets are euphoric all over again.

November 3, 2003

Balance transfer: The new face of home loans
Falling interest rates and availability of cheaper housing finance have proven to be the proverbial "dream come true" for those planning to take home loans.


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