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Personal Finance

November 30, 2004

Magnum Global: Going places?
The performance of Magnum Global Fund over the past few months has been a revelation.

It's time for long-term investments
Telecom stocks have been largely range-bound and also undervalued. Auto ancillaries are also a good bet, according to experts.

November 29, 2004

MFs: Going strong, but for how long?
Fresh investments should be considered only in a phased manner, preferably through the systematic investment plans.

Equities: Time to take stock!
Investors, there are enough noises being made that the markets are going to cross much higher levels in the short-term period. Tread with caution!

Secure your child's education
The plan provides life cover to the parent and ensures regular cash inflow to meet the education expenses of the child between the age of 18-21 years.

Own a car? You can get quick funds
There's a convenient avenue to quick funds if you own a car.

November 26, 2004

Make money! Try weekly options
Small investors can use the weekly options offered by the Bombay Stock Exchange to further their gains. Here we try and demystify the weekly options for you.

Why are tax-saving funds expensive?
When you conduct a tax-planning exercise, ensure that you look beyond just the returns while selecting a tax-saving fund.

November 25, 2004

Liquid funds, the preferred option
Liquid funds are still the preferred option for investors who wish to park monies for a short term.

Formulate a debt fund strategy
There aren't a whole lot of 'enticing' investment opportunities for the debt fund investor in these times.

Make money! Try weekly options
Small investors can use the weekly options offered by the Bombay Stock Exchange to further their gains. Here we try and demystify the weekly options for you.

Dummies guide to commodity trading
If you want to clarify some basic doubts about commodity trading but were afraid to ask, here's your chance to catch up on lost time.

November 23, 2004

Should you increase EMIs or tenure of loan?
The best solution would be a mix of the two -- increasing the tenure and instalment on a customised basis.

November 22, 2004

Markets are precariously poised
Investors should restructure their portfolios and dispose of investments that are not in tune with their risk-appetite.

November 20, 2004

Dealing with the STT
The operational difficulties in the Securities Transaction Tax

November 19, 2004

A checklist for fixed deposit investors!
Today, fixed deposits are an attractive proposition, not only from the short-term investment perspective, but also till stock markets provide better opportunities.

November 18, 2004

Multiply your money with equity funds!
Diversified equity funds invest in a bouquet of stocks/sectors that have the potential to deliver above-average growth going forward.

Want to earn dividends? Read this
There are now three schemes in the market that will do the work for you.

November 17, 2004

Senior Citizens Savings Scheme just got better
The amendments to the SCSS will help many retirees within the senior citizens segment who had earlier been left out.

November 16, 2004

Mutual Funds: Are markets set for a correction?
With equity markets on the brink of 6,000 points, and fund managers talking of an imminent correction, investors must identify funds that are best positioned to counter volatility.

Equity funds make sense now
The stock market has turned in a splendid performance this year, driven by excellent numbers from the Indian corporate sector and strong fund flows from foreign institutional investors.

November 15, 2004

Now it's time to go for that bike!
Bike and scooter makers are teaming up with finance companies to attract buyers

November 13, 2004

Should you invest in index funds?
When markets crash, index funds move with the markets and offer

November 11, 2004

Mutual funds have been rally bystanders
Mutual funds have been largely onlookers in the current equity markets rally and have in no way supported it leaving it to the foreign institutional investors to fuel the boom which the stock market is witnessing.

More banks hike deposit rates
Bank of India and Bank of Baroda have raised deposit rates by 25-50 basis points. More banks are likely to follow suit in the coming days with deposit as well as lending rate hikes. One basis point is one hundredth of a per cent.

Want peace? Fix that home loan now!
If you are about to take a loan, it would be a good idea for you to lock yourself into a fixed rate of between 7.75 per cent- 8 per cent and protect your downside.

How to make money: commodity trading
They say commodities are risky. But it's not half as risky as the equity markets if you have the appetite.

November 10, 2004

Principal Growth Fund: In the limelight
In our view, Principal Mutual Fund is among the better-managed, process-driven fund houses in the country.

That loan will cost more now!
Following the 25 basis points hike in the short-term repo rate, most banks have nudged up their loan rates by about 50 to 100 basis point.

November 09, 2004

Investing? Short-term debt funds are best!
These schemes are invested in AAA or AA-plus corporate paper and investors could look at earning a net return of 5.5-5.75 per cent, which is higher than the rate earned on floaters or liquid schemes.

November 08, 2004

A checklist of stocks to invest in
Despite the change in the political scene, outstanding corporate numbers and strong liquidity drove stock prices in the past year.

November 06, 2004

October dull for MF investors
Equity markets witnessed relatively modest growth unlike the robust rally last month.

Is agricultural income really tax-free?
Determining the tax rate of one's income can be a complicated exercise.

November 04, 2004

Where should you invest now?
Go in for systematic investment plans, which will protect you in case there were to be a sell off in the near term.

November 02, 2004

IPOs: It's your money, honey!
Here are some basic questions that can help investors understand the rationale behind a company's move to raise capital and decide if they should invest in the company.

Don't wait! Take that loan now!
If you plan to avail of a home or an auto loan, better clinch it sooner than later. Within a month, financial analysts say, retail loan rates are expected to harden by 0.25-0.50 per cent.

7-day fixed deposits @ 4.25%!
There's news for those of you who believe in parking your money in good old-fashioned fixed deposits.

Debt funds: Is the worst over?
Debt fund investors will have to live in a hostile debt environment for at least two more quarters.

November 01, 2004

More good news for senior citizens!
The authorities have taken cognisance of shortcomings in the Senior Citizens Saving Scheme.


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