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Personal Finance

January 31, 2005

FAQs: Tax benefits on mutual funds
What are the tax benefits investors get on investing in mutual funds? Read on to find out. . .

January 29, 2005

All you want to know about Income Tax
Check out this primer on Income Tax.

January 28, 2005

Gift Tax: On a comeback trail!
Gift Tax was abolished some time ago, but it has now been brought back in a different form.

How well you know your insurance policy?
Ask most individuals who own an insurance policy about the details pertaining to the same and the most likely answer would be 'I will have to ask my insurance agent about it.'

How to manage your money better!
There is more to managing capital gains liability than just investing in tax-saving bonds.

5 ways to diversify your portfolio
If an adverse event were to occur, diversification would ensure that only a part of the portfolio is actually impacted; while the balance

January 27, 2005

FAQs: Income tax & home loans
Tax benefits can be claimed on both the principal and interest components of the home loan as per the Income Tax Act. These deductions are available to assesses, who have taken a loan to either buy or build a house.

January 25, 2005

Expenses & loads: Killing you softly!
Expenses and loads have a major bearing on your mutual fund's performance. Check out how.

FAQs: Income tax and equity shares
Is there any tax implication while making an investment in shares? Are investors in shares entitled to any tax benefits? Check out.

January 24, 2005

Negative sentiment hits MF investors
Long-term investors should take this opportunity to increase allocations to equities.

How to select the right tax-saving mutual fund
Here are some key parameters that need evaluation before you select the right tax-saving fund.

January 22, 2005

3 short-term investment plans!
The investment opportunities available to the retail investor in the short run.

January 21, 2005

Tax planning? Try infrastructure bonds
Investments should be governed by investors' risk-appetite and not how attractive the returns are.

Don't look for quick money
Only a long-term investment outlook is best for investors.

January 20, 2005

How to choose a pension plan
A pension product that provides at least a capital guarantee and a minimum return on investment is a much better option.

More ways to save tax!
For those of who earn a gross income of below Rs 5 lakh (Rs 500,000), Section 88 of the Income Tax Act gives you some good tax-saving avenues.

Code to rein in credit card issuers soon
Unsolicited credit cards and phone calls from direct sales agents pushing credit card sales could be a thing of the past, if the Indian Banks' Association has its way.

Small savings with big tax benefits!
If tax planning is high on investors' agenda, small savings instruments emerge as a natural choice.

January 19, 2005

Great insurance strategies for all ages!
Not all individuals have the time, patience and expertise for this kind of active 'insurance management'. We have outlined a likely insurance strategy for you.

Equities: 8 investing tips!
Here's an attempt to list a few points that would aid an investor in mitigating the risks and curtailing the losses during times of volatility in the stock markets.

January 18, 2005

How to invest and save tax!
You are a successful investor if you have a tax-efficient investment strategy in line with your investment objective and risk profile. Here's help to get you there.

January 17, 2005

The pros and cons of a cement stock
One of the key factors that seem to have a major say on stock price movements of cement companies are cement prices!

What's your margin of safety?
In daily parlance of investing in the stock markets, one generally comes around the two most used (and often misinterpreted) terms related to the subject - risk and return.

January 15, 2005

Volatility grips fund investors
Stock markets aren't what they used to be, at least not in 2005. For the second week in a row, equity markets slumped, something we haven't seen in some time.

January 13, 2005

Cash dash: Loan against home is cheaper
Zara Fernandes, 28-year-old public relations professional, was in turmoil in July last year. Her father needed urgent brain surgery and she had no idea how to rustle up the money.

The formula to trump PPF returns
If one were to identify stocks (and construct a portfolio) that can give a similar compounded annual growth rate of 8 per cent for five years or more, then surely you can keep PPF on the backseat.

Automatic ULIP for the layman
SBI Life Insurance feels it has evolved a solution for policyholders as most ULIP investors are not really financially savvy.

Tax benefits of a pension plan
pension plans apart from playing a significant role in retirement planning, also offer tax benefits under a dedicated section i.e. Section 80CCC

January 10, 2005

And then the markets fell....
The new year commenced on a rather somber note for investors.

How to identify a bank stock
Here is an attempt to re-look at the factors that influence the performance of the banking sector and where these are headed in 2005.

January 07, 2005

Why NRIs need to get insured in India
Here we highlight certain situations wherein NRIs can consider taking insurance from an Indian insurer.

Investment for risk-averse NRIs
Even an investor with an appetite for risk can consider investing in fixed deposits to hold a complete and well-diversified portfolio across asset classes.

Few mutual funds NRIs should look at
The Indian MF industry offers a great investment opportunity to NRIs.

5 reasons why NRIs must invest in India
India today offers a great investment opportunity to NRIs and foreign investors, but investors must take adequate precautions while committing funds.

January 05, 2005

Invest only for long term now
You should get invested at this stage only if you have a long-term perspective (atleast a 3-Yr period) and utilise the SIP (systematic investment plan) route.

Want peace? Invest in pension plans
Investors must invest more into pension/annuities than is currently being done, as other than tax benefits it also takes care of the high expenditure post retirement.

Home loans: What to expect in 2005
If you can handle risks and are willing to go the extra mile to benefit from any further fall in interest rates, floating rate home loans will be best suited for you.

January 04, 2005

Stock market? You can still make money!
Investors who feel 'left out' by the run up in equity markets need not fret. They can still invest with a long-term view and make money.

Why you must buy term insurance
While different individuals plan their finances differently based on their needs and incomes, it is also true that all individuals need to have a term plan in their financial portfolio.

January 03, 2005

Where to invest, PPF or stocks?
As the domestic economy marches on the high growth trajectory, leading Indian companies may be better bets than fixed-income options.


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