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Personal Finance

April 30, 2004

Understand your fact sheet
For the investors, the fact sheet is an important document which informs them where their funds are being invested and how their funds are being managed.

April 29, 2004

MF rankings: Lost in translation
In most cases, mutual fund rankings leave the investor muddled.

April 28, 2004

Get a loan on your home
If you have enough equity in your present home, a 'bridge loan' (which is like a special loan) allows you to avail of a loan so you can make a down payment and buy the new home.

April 22, 2004

Time to lock into fixed-rate home loans?
Home owners should keenly look at locking in their home loans at fixed rate of interest, or else they may be caught on the wrong foot when interest rates suddenly move up.

April 20, 2004

Opportunities galore via MF route
Equity fund investors had a modest week with top performing funds ranging from 3.95% to 5.99%.

Add liquidity to your assured returns
For investors with a higher risk appetite, market-linked products like Monthly Income Plans would be the ideal choice

April 19, 2004

Secure your child's future, now
Often investors are too preoccupied with the objective of clocking a 'return' and close their eyes to the ultimate objective i.e. saving for retirement, for a house, for the child's education and the like.

April 17, 2004

New loans spark used-car sale boom
Many people are buying second-hand cars as more and more banks give out loans to buy second-hand cars.

April 15, 2004

Putting money into global MF plans
In order to maximise their gains through investment in this scheme, what investors should do is to stay invested for a long time.

Bonus shares offer big tax benefits
The loss incurred after selling a stock once it turns ex-bonus can be used to set off against short-term capital gains.

April 14, 2004

Go global in fixed deposits
Another reason to consider a foreign currency deposit is to diversify the risk of being invested in only one currency (for most of us that is the Indian rupee).

April 13, 2004

Relief Bonds: Avoid or own?
The point is that there is a place for the tax-free bond in every portfolio. But, the allocation to the same must be in line with your risk profile and needs.

April 10, 2004

Sebi's overgovernance!
This Sebi diktat seems to have been induced not by economic rationality but irrational panic.

April 08, 2004

Assured return schemes: Opportunity knocks
For investors with a low-risk appetite, who invest in assured returns schemes for the stated purpose, this is an opportunity to be capitalised.

April 06, 2004

The true value of life insurance
Life insurance is not for you; it's for your family and dependants.

Insurance: Innovating for the customer
For a customer, these innovations mean that he/she could select a base product for a minimal premium, and then simply include and pay for the additional features.

April 05, 2004

Get a personal loan at home loan rate
Top-up loan, is a facility by which an individual who has an existing home loan gets a chance to borrow additional money from the housing loan company at an interest rate that matches the home loan.

April 03, 2004

Cheap airline options for holidays
Smita Tripathi looks at some cheap flying options for the budget-conscious holiday maker.

April 02, 2004

The greenshoe buoy for public issues
Greenshoe is a provision that enables the underwriting syndicate to purchase additional shares at the original price, which will be used by them in the event of the market price falling below the allotment price.

And now profile-based interest rate
Banks seem to be moving towards varying interest rates based on the risk and repayment pattern of credit card customers.

April 01, 2004

Seek short-tenure fixed deposits
With interest rates bottoming out, risk-averse investors are in a quandary. Here's what they should do.


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