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Personal Finance

August 31, 2004

5 wrong reasons for buying insurance
We list 5 reasons which you should be wary of while opting for insurance cover.

The MIP catch
The MIP tag, to say the least, is misleading. The problem is not with the product per se, but the way it is marketed.

August 30, 2004

Indian IT sector: Who's the best?
With TCS getting listed on the stock exchanges, which is the best IT company from the investor's viewpoint? Infosys, TCS or Wipro? Let's find out

Home loans: A hybrid option
Borrowers are hedging their risks by opting for a combo of fixed and floating rate loans, says Arti Sharma

August 28, 2004

Fund investors have it both ways
Long-term debt funds also witnessed some relief, as bond prices surged. This made it a good week for debt and equity fund investors.

Morgan Stanley Fund: Go for it
To the fund's credit, its investment approach has improved discernibly. It has trimmed its portfolio over time and it now looks a lot healthier.

'Leave salary' - Let the taxman decide
A N Shanbhag discusses tax provisions pertaining to leave salary

August 26, 2004

Exit MIPs, enter equities
If your investment advisor recommends that you can use MIPs and equity funds interchangeably, rest assured he may not have your best interests at heart.

Personal loans just got cheaper
ICICI Bank launched its unique credit card ICICI Bank Easy Deposit Card offering a rate as low as 0.99 per cent

August 25, 2004

Franklin Bluechip vs Franklin Blue Chip
How does the fund compare to its international peers? Le's check out.

August 24, 2004

Mutual funds back in positive turf
Steer clear of investment advice that exhorts you to jump into equities irrespective of your profile; it's a definite recipe for disaster.

Banking at your doorstep
Door-step delivery and cash pick-ups are fast gaining popularity among business clients and high networth individuals. Individual account holders rarely use the service as they prefer to drop in to the closest ATM.

August 23, 2004

What's the right investment mix for you?
The investments should be in tune with the investors' risk appetite.

August 21, 2004

All you want to know about EPF
A N Shanbhag discusses the salient features of the Employees Provident Fund

August 20, 2004

Another scheme from HDFC Mutual Fund
HDFC Mutual Fund is offering two schemes -- Multiple Yield Fund and Core and Satellite Fund. Find out all about Multiple Yield Fund

Should you invest in HDFC Mutal Fund?
HDFC Mutual Fund is offering two new schems -- Core and Satellite Fund and Multiple Yield Fund

All about senior citizens savings scheme
The scheme is available for citizens above 60 years of age; however a provision has been put in place for individuals who have crossed 55 years of age. Such individuals may invest subject to the conditions that,

August 19, 2004

5 reasons for investing systematically
Market timing is not the only reason for you to plump for SIPs, there are other advantages.

August 18, 2004

How to double your money in 3 years
Our intention in this article is to highlight the dangers of being carried away by cover stories in the 'media' on how to double your money in three years.

August 17, 2004

Avoid over-valued stocks
Still more strategies for small investors from fundmen.

August 16, 2004

Investment after 60
A N Shanbhag examines the salient features of the new Senior Citizens Savings Scheme

Investment strategy for current times
Where does one park one's money in current times? In stocks? In bonds? Small Savings Schemes?

Mutual fund returns take a knock
With inflation looming large, most investment options will be severely tested going forward. Investors in assured return schemes, on account of their "assured" returns are often falsely led to believe that they are immune to inflation.

More strategies for small investors
Judicious allocation of assets holds the key.

EPF's still the best bet
EPF gives you Section 88 benefits. So when you consider that even the interest you earn on it is tax-free, your returns would be extremely high.

August 13, 2004

Rising rates: What should you do?
There is no such thing as 'the' best strategy, but adequate diversification can go a long way in shielding you from the market vagaries.

Is this the future of small savings schemes?
Investors should invest in small saving schemes at present levels; these investments will fetch them attractive rates and be insulated against future changes.

August 12, 2004

Good prospects for engineering firms
Rs 100 invested in the past year in the engineering index would have resulted into Rs 164 as against Rs 135 through the Sensex.

August 11, 2004

5 steps to selecting the right ULIP
Very often poor selection of ULIPs leads to big woes for investors. Here is a 5-step strategy for investing in ULIPs.

August 10, 2004

Equity is the only option
The risk of not investing in equity is going to be higher than investing in it

Strategies for small investors
Small investors are becoming more and more important to the stock market.

August 09, 2004

The interest rate factor
Should investors be re-jigging their investment strategies in these new circumstances?

Inflation spooked markets
At this point we would like to reinforce our view -- reallocate your assets to floating rate funds and avoid long-term debt funds for the time being.

How to beat inflation
While inflation is a concern there is no need for you to be a sitting duck every time it rears its head. Fortunately India offers interesting and rewarding opportunities to beat inflation.

Where to invest?
Invest in a staggered manner or if one does not have to expertise, a conservative mutual fund is a better option in uncertain times.

August 05, 2004

Is the Senior Citizens Savings Scheme good?
If you are a senior citizen who is looking at earning regular returns without taking on too much risk, the Senior Citizens Savings Scheme is the place to be.

August 04, 2004

5 investment experts you should avoid
Here's a list of some 'experts' who may have your best interest at heart, but may not necessarily be dishing out the right investment advice for you.

Home loan double trouble brews
A double whammy will soon be landing on those planning to take a home loan: not only will they have to contend with higher interest rates, they will also have to tackle a new beast -- the fixed loan is mutating into a semi-fixed animal

August 03, 2004

Energy: At the crossroads
All in all, the prospects for the industry in the future are positive given the developing economy we are. However, given the history of rollbacks that have LEFT Indian energy stocks far behind their global competitors, concerns remain.

How safe is your bank: checklist
The recent failure of the Global Trust Bank begs the question: how can the average account holder assess the quality -- and therefore the safety -- of a bank?


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