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Personal Finance

December 31, 2004

Themes did the trick for MFs
The year 2004 for mutual funds can be easily termed as the 'Year of Themes' as almost every fund houses tried -- and to a large succeeded -- in luring investors into their fold with innovative ideas and themes.

December 30, 2004

2 key rules for investing
Investors must exercise caution when the markets are booming.

5 ways to judge your fund manager
We present a checklist of five pointers that investors must watch out for to gain a better insight into their fund manager's investment style.

What investors should do in 2005
Stay with equities in the New Year but book profits, say experts.

Fixed income plans? Go long-term
Those who want a return better than that on fixed deposits could try their luck in long-term income and gilt schemes.

December 29, 2004

FDs: Moving with the times!
Flexible styled products offer investors the opportunity to position themselves, whereby they can benefit from the any further hike in interest rates.

Will this be India's century?
If the present government, and the one to follow, is able to make progress in these areas, this century could indeed turn out to be India's!

Investing: How long is long-term?
Buying and selling shares at quick intervals leads to escalation in costs for the investors, as they pay brokerage and depository charges every time trades are executed.

December 28, 2004

Party time on stock exchanges!
Long-term investing should become a part of the investor's DNA and not just a passing fad.

Want to invest? Here's help!
Time was when investments meant bank deposits, post office schemes and UTI schemes if you were adventurous.

How to pay less for your car
The first thing to remember is, a car is a set of wheels. Unless you are an absolute automobile enthusiast buy what you need and not what you aspire for - that can come later.

December 27, 2004

Inflation-linked savings plan for senior citizens soon
The Centre is understood to be planning an inflation-linked savings scheme for senior citizens as part of its common minimum programme.

December 24, 2004

How to save for your child & retirement
Take a look at which child plan to invest in and how much should you save for a comfortable retired life.

December 23, 2004

Planning long-term? Get a pension!
If you are looking at investing over the long-term, go for an option that has a little bit of equity and offers you a competitive tax advantage.

Hurt by weather? Try derivatives
Weather derivatives offered by banks are offsetting the adverse impact of the elements on cash flows.

December 22, 2004

IBP-IOC: Who got a better deal?
IBP's strong presence in the northern markets will complement IOC's marketing strengths and therefore, on a consolidated basis, the combined entity will benefit (but in FY05, the merger is likely to affect IOC's profitability marginally).

What should investors do now
When markets are at their all time high, stock selection becomes difficult. Prudence and research (whether on your own or through a service provider) are likely to help you in taking the right decision.

MF IPOs: Are you in or out?
Investors must be aware that there is an element of uncertainty attached to investing in MF IPOs, which they must factor in before making an investment decision.

December 21, 2004

How to multiply your money
Asset allocation should be the cornerstone of everyone's investment plan, that way you won't have to worry about where the Sensex is or where it's likely to go.

Software: Bigger, the better!
There is no gainsaying the fact that long-term investors can still benefit from a selective approach to stock picking from among the software stocks.

Too many insurance policies? Try this!
Public sector National Insurance Company has, under a unique initiative, tied-up with private sector Birla Sunlife Insurance to provide bundled products that offer both life and general insurance cover.

December 20, 2004

Another good week for MF investors
Investors must invest in a manner appropriate to their age, income stream, return expectations and risk appetite.

December 16, 2004

Wanna invest? Get ID number now!
Come April 1, 2005, and any investor wishing to punch in trades of Rs 100,000 and above or transacting in mutual funds with a value of Rs 100,000 and above will have to have a unique identification number.

Redeem points to pay credit card fee
He used up 850 reward points to pay the annual fee of Rs 750 (because there is a transaction charge equivalent to 100 points).

December 15, 2004

Long-term investing rocks!
A fund that allows fund managers to make long-term investment decisions stands a good chance of meeting your investment objective of long-term capital appreciation.

MFs: A matter of risk and return
Investors must factor in the risks borne by them, if they wish to aptly evaluate the profitability of their investments.

December 13, 2004

Are the markets about to fall?
If you firmly believe that all things must come to an end, then the decline in equity markets this week should come as no surprise.

December 10, 2004

Mid-cap stocks no more in favour
It was just a couple of months ago when mid caps stocks were a rage.

December 09, 2004

Investors! Here's help for you
A look at two portfolio management schemes available in the market that can be useful for the retail investor.

Stocks: 3 reasons to turn realistic!
Given the rising stock market, investors should utilise this as an opportunity to book profits, if the target price is achieved.

5 things investors should be wary of
With the stock markets soaring, investors need to exercise caution in aspects related to their investments.

December 08, 2004

How to make wealth, over the long term
Consider investing a portion of your assets in tax-saving funds to accumulate wealth over the long-term.

Bank stocks: Where to from here?
Banking on better credit growth prospects alone may not be the right strategy as far as investing in bank stocks are concerned.

What? Fundamentals are strong?
If Investors maintain prudence, chances of going wrong and thus losing money reduce dramatically.

Rising rupee: Who gains, who loses?
Investors must take a balanced view on factors like exchange rate, interest rate trend in the US before jumping onto the hot 'India story'.

December 07, 2004

VRS: To take it or leave it?
The benefits of the voluntary retirment scheme.

Cash back credit card: How good is it?
Check out why some banks are offering 'cash back' on their credit cards.

Insure, before you marry!
The cover also comes into effect due to accident to the bride or bridegroom or blood relatives resulting in hospitalisation within 7 days prior to the printed or declared wedding date.

December 06, 2004

Gains galore for investors!
Investors must resist the temptation to get invested with a view to rake in quick profits and should instead utilise the opportunity to book a part of their profits and restructure their portfolios.

December 03, 2004

What must mutual fund investors do now?
Investors must utilise this opportunity to book a part of their profits and restructure their portfolio.

Economy: Who is borrowing?
Demand for money from infrastructure-related sectors like power, roads, electricity and telecom has witnessed a faster rise.

December 02, 2004

A unique 'auction of money'
Even as interest rates are on the rise, Paison Ki Nilami allows participants to bid for the lowest interest rates on finance of infrastructure equipment.

TGIF: Thank God It's a (Mutual) Fund!
Investors must consider investing through mutual funds as there are better systems to ensure that investors are insulated from adverse news.


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