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Personal Finance

October 30, 2004

Why you must read the warranty card!
No one ever reads warranties which are couched in tricky language and fine print.

October 29, 2004

Good news for senior citizens!
Persons above 55 years of age and retired defence personnel are now eligible for putting their money in Senior Citizens Savings Scheme offering 9 per cent return.

Does it pay to be opportunistic?
Over longer time horizons, which are ideal for evaluating equity funds, conventional funds are a much better bet.

October 28, 2004

The pros of pension funds
Pension funds can be major stimulators of financial innovation, say Kapil Mahajan & Sumit Bhatnagar

Lost money in vanishing cos? Pray!
There is nothing much that investors can do when companies in which they hold shares are not to be found and promoters have vanished without a trace.

Housing loan rates may go up
Interest rates on home loans are likely to go up after the festival season.

October 27, 2004

How will Credit Policy affect you
Here is an analysis on how this impacts debt fund investors.

5 tips to deal with fund mergers
We present a few tips which will help investors decide when they are faced with a merger scenario.

October 26, 2004

Investing: Do research reports help?
In short, consider research reports with adequate caution. The problem with them is they recommend a scrip only when the price has gone up substantially.

Home insurance? 6 key points to note
While you are purchasing full protection in the form of a the risk cover, bear in mind the following 6 key points which will also give you peace of mind.

October 25, 2004

Should you invest in MNC pharma?
Multinational pharma companies may not be able to sustain the returns they managed in the past year as high growth expectations are already built into stock prices

October 23, 2004

Volatility hits fund performance
It was another tough week for mutual fund investors as markets ended in negative terrain for the second week in a row.

Want that cool music system? Try this loan!
Consumer durable loans make buying white goods simpler, says Smita Tripathi.

October 21, 2004

Investing in an MIP? Check this
If decide to get invested in an MIP, look at its debt component. It will tell you whether or not your scheme can deal with volatility and preserve capital.

October 20, 2004

Alliance-Birla merger: What's in it for you?
In our view, it may not have been the best deal for investors in Alliance Capital Mutual Fund, given that process-driven funds like HDFC Mutual Fund and Principal Mutual Fund, were also in the race.

Be cautious with sector funds
Specialised or sectoral funds are in a way a risky proposition as they do not offer investors the diversified portfolio that mutual fund plans are expected to do.

Buying a home? Check this out first!
Here is a routine checklist, which prospective buyers should adhere to.

October 19, 2004

Dividend-yield stocks the best bet
Interest rates are low and rising yields are threatening to eat into debt fund returns further.

October 18, 2004

Testing week for mutual fund investors!
Investments are serious business and are meant to achieve your pre-determined financial objectives, not provide thrills.

5 key steps for stock market investors
While we have listed above some key rules to be adhered to before selecting a company for investment, there is one bigger rule that applies to stock market investing: discipline.

October 16, 2004

Theft insurance: Beware the fine print!
Insurance companies should redefine their burglary clauses to avoid ambiguity.

Senior citizens! Some good news, some bad
A new RBI notification on the Senior Citizens Saving Scheme brings both good news and bad news.

October 15, 2004

How floating rate funds help you
As long-term investment avenues, floating rate funds should at best be selected for capital preservation. Clocking a return should be the secondary objective, else the investor will find himself very disappointed with the returns.

MIPs: Are the expenses justified?
Investors must give due importance to the costs associated with their MIP investments while evaluating the feasibility of these investments.

October 14, 2004

Easy IPOs: Just dial to apply!
Just dial 1600-22-2266, a toll free number (meaning there are no charges for making this call) to apply for any public offering, or to bid for a book-built issue or even modify an IPO application.

October 12, 2004

How to pick the right calling card
Long distance telephony has indeed become very economical and simpler with the advent of calling cards.

3 myths about mutual funds
Being a successful investor is all about making the most prudent investment decisions, even if they are dull and boring.

October 11, 2004

Caution: Buzzword for fund investors!
Investors with a low to moderate risk profile can consider SIPs in balanced funds.

October 07, 2004

A 3-step investment plan for winners!
A simple strategy to help you tide over these turbulent times and emerge winners.

October 06, 2004

How to choose the best mutual funds
We try to define an ideal mutual fund portfolio for the investor with a moderate risk appetite and an investment time frame of at least five years.

MF round-up: September 2004
Our advice: exercise caution and don't get carried away by the exuberance in the markets.

October 05, 2004

The 6 great small savings plans
Here is a profile of some of the popular small savings schemes.

October 04, 2004

Small savings: Strategies for the future!
We profile some of the popular small savings schemes and determine in whose portfolio they should find a place.

How to earn tax-free income
Investors should reshuffle their portfolios soon after the Finance Act comes into force each year.

October 01, 2004

Smart options to park your money
The markets' recent behaviour has put most investors in a quandary.


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