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Personal Finance

July 27, 2005

Small savings: Revision continues
Small savings schemes have turned into a contentious issue for authorities in the recent times. The returns delivered by these investment avenues are independent of those from similar market-linked instruments.

Return of premium: What's it worth?
One reason why 'return of premium' plans do not look good is because, just like any other (endowment-type) life insurance plan, they too have to actually invest a certain portion of the premium to generate returns.

July 26, 2005

Student insurance: do your homework first
Local policies cost Rs 12,000-15,000 against Rs 45,000-50,000 overseas.

July 25, 2005

How to buy stocks, carefully
Here's a look at a few things that investors must keep in mind before buying stocks.

Boom time for fund investors!
Investors would do well to curb their enthusiasm and not digress from their investment objectives.

July 22, 2005

ULIPs versus ELSS: And the winner is
So how does one go about comparing ULIPs vis--vis tax-saving funds? An illustration will help in putting things in perspective.

July 21, 2005

PF withdrawal? Not till you are 58!
The argument put forth is that withdrawals from a long-term investment avenue leave investors with a lower corpus on retirement.

July 20, 2005

HDFC Multiple Yield: Worth a buy?
HDFC Multiple Yield - Plan 2005 attempts to lower interest rate risk in its debt investments by locking the yield of the debt paper at the time of launch

All you want to know about real estate funds
Like mutual funds, real estate funds (or Real Estate Investment Trusts - REITs as they are commonly referred to in the US) are founded by a group of real estate professionals

July 19, 2005

Should you invest in penny stocks?
The current rally saw small investors reap rich gains in small stocks but a change in market situation can prove to be disastrous

Boom time for fund investors
The good times continued for fund investors as markets yet again ended the week in positive terrain.

6 reasons why a home loan is refused
Individuals applying for a home loan get upset when their applications are turned down. Of course, there are reasons for the same, but they are not adequately conveyed to the individual.

July 14, 2005

How wars are good for an economy
A war compels a nation to mobilise its resources, driving every individual to work for his/her nation.

July 12, 2005

StanChart Classic Fund: Worth a buy?
Without a track record in managing equities, it is difficult to comment on SCCEF's likely performance.

Is the Magnum Comma Fund good?
Investors, who wish to add a unique investment proposition to their portfolios and are willing to take on higher risk for the same, can consider investing in MCF.

Fund houses pile up new offers
Nothing can seem to come in the stocks markets' way. It has ignored the $60 per barrel crude oil shock so far and last week it dismissed the London blasts with a 67-point surge the very next day.

July 11, 2005

All you wanted to know about book-building
Book-building is a process of price discovery used in public offers. Read on to find out more...

July 07, 2005

Multiple credit on cards will be history
Aarti Menon did most of the shopping for her sister's marriage through her credit card. At the end of the month she received the monthly statement from her bank.

Index funds a safe bet for the risk averse
The biggest plus about index funds is that the investor is assured of nothing less than what is usually construed to be a market average return

July 06, 2005

MFs bet on engineering stocks
We have observed that the engineering sector has emerged as a preferred investment avenue for a large number of funds.

How mutual funds fared in June
The good times continued unabated for mutual fund investors in June 2005. Popular indices like the BSE Sensex and S&P CNX Nifty touched record highs.

July 04, 2005

FAQs on filing returns
The return of income is a statement furnished by an assessee, stating the total amount of income earned by him during the previous year. Read on...

July 01, 2005

How to read a debt-fund fact sheet
In long-term debt funds there are three areas in the fact sheet that need your attention. Credit rating profile of the debt instruments, the fund's exposure to gilts (government securities) and the average portfolio maturity.

Change your investment advisor if. . .
Here a few pointers to help investors gauge if they are with the wrong investment advisor.

Should you buy new or 'resale' property?
Here are some pros and cons of buying, both, resale as well as new property.

Here's how you can be rich!
One needs to do proper asset allocation to generate 15 per cent returns over the long term.


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