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Personal Finance

February 28, 2004

Maybe it's time to play to safe
Mutual funds participating in IPOs have a far better chance of getting allotments. Plus investors also get to benefit from diversification and the fund manager's expertise.

A wake-up call for the CBDT
A circular issued by the CBDT makes repatriation of forex impractical for NRIs, says A N Shanbhag.

Want that dream house? Try a step-up loan
If that dream home is just out of reach, a step-up loan might be the answer to your problems, says Arti Sharma.

February 27, 2004

The pitfalls of leveraged investing
Before investing into equities (either through personal or borrowed funds), certain key issues like assessing one's own risk bearing profile, the investment time horizon and investing in fundamentally sound companies must be adhered to.

What kind of investor are you?
Before investing a single penny in stocks, just identify 'Who am I'? The rest should not be difficult.

Go global in stocks!
Rather than investing directly in shares, opt for mutual funds and/or portfolio management schemes that will invest in global markets on behalf of their investors.

February 26, 2004

India minus the feel good factor
Since most of us believe in today's "feel good" state, it is important that we make an assumption before laying out a contrararian view.

Tax rebates available to you
With taxation anguish already upon you with the financial year about to end in a month, check out what income tax rebates are available to you.

February 24, 2004

Life insurance and taxation: A new scenario
Anyone wanting to invest in life insurance policy as a tool of tax planning must consider the implications of the changes concerning tax on proceeds of insurance policies.

Gold: Where to from here?
Gold must have a place in every portfolio. And there are several reasons for the same. We recommend that 5 per cent of an individual's assets should be in gold.

February 23, 2004

What you can do with $25,000
Indian investors can now buy global assets by opening foreign currency accounts. But they need to learn about global shares and the markets before investing. In the short-term, international investing may be best done through mutual funds.

February 21, 2004

Diversification is the key
Investors can now invest in mutual fund schemes which invest globally thereby giving investors access to international assets.

February 20, 2004

Don't dump debt funds
While the irrational returns from debt funds (triggered by a series of rate cuts) may be a thing of the past, debt funds aren't.

February 17, 2004

Finding a method in the madness
Smaller exposures (about 5 per cent of the total investible surplus even for the aggressive investor) to sector funds may actually prove rewarding.

February 16, 2004

Markets are back with a bang
After lying low for a while markets came back strongly and breached the 6,000 points mark. The BSE Sensex posted a growth of 3.91 per cent to close at 6,012 points while the S&P CNX Nifty rose by 4.36 per cent to end at 1,914

February 14, 2004

Time for tax planning
The financial year is coming to a close and it's time you reached for your calculator, says A N Shanbhag

February 13, 2004

Go global with your money!
The RBI has permitted resident individuals to remit up to $25,000 per calendar year for any purpose. This has thrown up a lot of opportunities for investors. Take a look at investment opportunities that are now available to you.

It's time to plan your taxes
The markets continue to be at their volatile best and investors who chose to book profits must be breathing easy. But these investors are faced with a new dilemma.

February 07, 2004

Plan your retirement now!
A N Shanbhag examines different investment instruments for retirement planning.

February 04, 2004

Feel good and you
A great monsoon and the rising FII investment in Indian markets have contributed to the 'feel good' factor.


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