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Personal Finance

March 31, 2004

Rising rupee, boon or bane?
Well, actually both. It depends from case to case whether the appreciation of the rupee is an advantage or a disadvantage.

March 30, 2004

At 5,300 levels, invest cautiously
The bottomline is that investors, who intend to invest at these levels, must do so keeping in mind the growth story rather than the under-valuation story.

Buying insurance? Here's a checklist
How much and what type of insurance one needs will differ with every individual.

March 26, 2004

Change your investment strategy, now
Ideally what investors should do is to start making investments in small amounts and at regular intervals.

March 25, 2004

Investors, avoid debt funds for a while
Returns are likely to be very average and the risk, in the event of an interest rate rise, is significant. So the risk-reward ratio is not very healthy.

March 24, 2004

Don't try to 'time' the markets
Systematic investment plans help investors from trying to 'time' the markets and also offer better returns vis--vis a lump sum investment.

March 23, 2004

How to get rid of credit card debt
Financial freedom can be yours if you exercise some willpower and take a few basic steps to eliminate debt.

March 22, 2004

Investing: The mirror says it all
Always, look at the downside before the upside. And always, look into the mirror before investing!

Have an insurance complaint? Read this
Is your insurance company taking you for a ride by delaying or repudiating in settling your claim? You need not spend sleepless nights now. The Insurance ombudsman office will take care of the problem.

March 19, 2004

Invest your capital gains
Investors who have capital gains, have a variety of investment avenues, wherein they can park their capital gains. We have explored below the main investment products at the investor's disposal for offsetting capital gains.

Insurance cover: What's it worth?
To maximise returns even during such bullish phases, it is imperative that investors time their entry and exit from the markets.

March 18, 2004

Your bank sells information about you!
Many banks sell your confidential account information to telemarketing firms and you can't do anything as no law in India protects you from this activity.

March 17, 2004

Are funds churning their way to losses?
If your fund has an unusually high churn which is not backed by performance, its time to review your investment and consider a fund manager who can strike the right balance between churn and performance.

Simple rules for defensive investors
A defensive must research well about the company's history, its business model and factors that are likely to affect its future performance.

Stocks: When to buy and when to sell?
Identify yourself, your risk-return attributes, your discipline and investment time horizon before taking investment decisions. It may be worth your while!

March 15, 2004

MFs: Look before you leap
Hardening interest rates in the United States could divert the flows there. Investors could do well to temper their expectations and not expect 'plus' markets in 2004.

Mediclaim to come with life cover now
Policyholders will no longer need to look out for two separate insurance companies to buy life coverage and a health insurance policy.

March 13, 2004

A flexible option to save taxes
A N Shanbhag analyses the salient features of the IDBI Flexibond.

Tax planning for senior citizens
Where should senior citizens park their money? Smita Tripathi looks at some options.

March 12, 2004

Are unit-linked insurance plans good?
Unit-linked life insurance products are those where the benefits are expressed in terms of number of units and unit price. They can be viewed as a combination of insurance and mutual funds.

March 11, 2004

Plan for retirement, now
Start planning for your retirement now, otherwise financial happiness in your old age will be out of your grasp.

March 10, 2004

How safe are govt savings schemes?
The sustainability of these savings schemes is more in doubt today than it ever was.

Do you buy insurance to save tax?
Tax benefits should not be the driving force for an insurance policy.

March 09, 2004

Is your insurance agent okay?
An unscrupulous agent could sell you the wrong policy, or lie that he got you a loaded premium or encash the premium cheque in his favour, or be untraceable when needed.

Should debt funds be in your portfolio?
In a rising interest rate scenario, higher reinvestment rates and active management of portfolio are likely to enhance portfolio returns.

March 08, 2004

Are you diversified enough?
Before you decide to take a leap into equities, or for that matter into MIPs, revisit your asset allocation plan.

Crude prices: What will be the impact?
If you expect another good year of profits like in 2003, investors could be in for a disappointment

March 05, 2004

Assured returns? NSCs are the best bet
If you are an investor who insists on investing in assured return schemes, National Savings Certificate is your best bet!

March 04, 2004

Markets: Where to invest?
It is very important for an investor to identify his investment horizon and risk appetite in order to have a win-win situation.

Principal IPO: An opportunity to diversify
Principal Global Opportunities Fund is the first global equity fund launched by any asset management company in the country.

Investing in MFs? Check this out first
What makes the expense ratio really important is that it 'eats' into the investors' returns i.e. if a fund is high on such these expenses

Credit fraudsters, beware!
To curb the threat posed by fraudsters, banks, housing finance companies, NBFCs and credit card firms are set to exchange credit information under the aegis of the CIBIL.

March 01, 2004

What's your 'margin of safety'?
Benjamin Graham's concept of 'Margin of Safety' has been (and is) very essential while investing in stock markets.

IPOs? A sure-fire way to catch the bus!
The good news is that there is a smarter way to invest in IPOs, its called mutual funds.

Petronet LNG: Fuelling future growth!
PLL has a unique business model. But whether this is attractive option on a relative basis remains to be seen.


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