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Personal Finance

July 31, 2004

Budget: What you missed
Let us discuss issues which have received less attention in the media compared to turnover tax and capital gains applicability, etc., but nonetheless are equally important.

July 28, 2004

How to choose your investment advisor
Here is a checklist of 'must haves' for your investment advisor.

July 27, 2004

A merger of convenience
Lately the mutual fund industry has been witness to a string of mergers between fund houses as well as consolidation of schemes within the same fund house.

July 24, 2004

All-purpose loan
Personal loans are the best bet if you need money in a hurry. But they are an expensive option

July 23, 2004

Is it the end for floating rate home loans?
There are three important issues which one needs to consider before opting for one type of a loan over the other. Check them out.

July 22, 2004

Transaction tax: FM finally relents
The proposal to impose a transaction tax on all securities at the uniform rate of 0.15 per cent has been rolled back.

MFs set to hike entry, exit loads
The mutual fund industry is not so happy with the new transaction tax structure.

Ouch! This tax rule will really hurt all
Thus the next time you make any purchases -- however small -- remember to note it down in a ledger because at the end of the year, individuals will have to file their annual information return furnished on a floppy.

A risk cover sans service tax
The Life Insurance Corporation of India, along with the Union Bank of India, has come out with a way to circumvent the service tax issue on premiums.

July 21, 2004

Mutual funds are still the best bet
Retail investors planning to 'return' to the stock markets, may want to evaluate mutual funds a little more objectively.

July 20, 2004

It's Bond. 8% Savings Bond
Investors should consider investing in the 8% Savings Bonds to claim deductions for the entire sum under Section 80L.

The concept of loss aversion
In the capital markets, one must see the portfolio as a whole and understand how certain losses are impacting the total portfolio.

Piggybanking to profit, the SIP way
You can actually be an investor in a mutual fund with as little as Rs 500 a month.

July 19, 2004

How will the markets behave now?
The markets are still looking for direction. In all fairness, timing markets is not an activity to be indulged in by retail investors.

How to invest systematically
A systematic investment plan can certainly work to the investor's advantage over a period of time.

July 17, 2004

The new investment avenues
Safe investment options for high net worth individuals have become very limited. So where do they invest now?

July 15, 2004

5 steps to retirement planning
Here's a simple five-step plan to put you on the road to proper retirement planning.

July 14, 2004

Mutual funds: The 6-month scorecard
While picking a quality mutual fund is never easy, rising markets often make the task seem a lot easier. Exercise a greater degree of caution, because tough times can and do separate the men from the boys.

July 13, 2004

Fund of Funds = Cost of costs
An FoF allows you diversification. It allows you to trim your fund portfolio to include a few FoFs rather than a whole lot of underlying funds.

Home loan: Fix your interest rate now!
The fixed rate that you will be locking into will be higher than the floating rate that you are paying right now. But your downside will remain protected for the rest of your tenor.

July 10, 2004

The Budget: Retail investors' delight
Dividends from equity funds would continue to be tax-free in the hands of investors those from debt funds would be taxed at 12.5% plus 2% surcharge.

July 03, 2004

Are nanotech fabrics any good?
The menswear market today is flooded with shirts and trousers that are wrinkle free, stain resistant and have cooling properties. Are these good?

July 02, 2004

5 things not to do with your money
It is very important to be aware of what you should not do with your money. Here are five things that you must be wary of while dealing with your money.


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