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Personal Finance

March 31, 2005

Fidelity Equity Fund: How good is it?
FEF's strong focus on diversification will be its best ally in lowering risk to the investor during market downturns.

The scary truth about home loans!
The excitement of having closed a housing loan deal blinds you to the fact that certain clauses can be a cause of concern.

Investing? Get professional advice!
FPSB is an international professional body of financial planners, which aims at improving the integrity and ability of people giving financial advice.

March 30, 2005

Few MUSTs for investors!
In this article, we attempt to simplify matters for the common investor, by explaining some important terms that every investor must be aware of, not just while investing in shares, but for any other investment.

What's the right time to sell stocks?
This is a very tricky issue. Here are some guidelines.

What goes up must come down!
If markets correct further, risk-taking investors should use this opportunity to increase their allocations to equity/balanced funds. Investors who have taken the SIP route, will stand to benefit from falling markets in any case.

Easiest way to make BIG money!
SIPs can make you big money and you don't even need to take any undue risks or effort.

March 29, 2005

Tax-saving pension plans for you!
If you're looking to start saving for your retirement and would like to put a small part of it into equities, try a pension plan.

Credit cards with a heart!
These cards donate a small percentage of the card spends and the yearly fees to the charity.

March 28, 2005

Should you invest in new funds
New funds may make sense for fund companies, but not for investors.

Do debt funds offer a better deal? Yes
Angry that 80L is gone? Don't worry, debt funds offer a better deal.

How best to judge a mutual fund
The list of mutual fund toppers for the last one year throws up several new names, some of which don't have great records.

March 24, 2005

Oil price hike to hit home loan rate?
You are probably aware of the sharp rise in crude oil prices. You have also probably read of how 'dangerous' this can be for the economy and how it could 'sting' your investments

8 musts for investing in IPOs
Among the many records created by the Indian stock markets during the year 2004, another record that was too much in the limelight was that of the initial public offer market.

March 23, 2005

How to trade in stocks
An Australian company, Safety In The Market, guarantees success for investors who follow the course it conducts.

2 basic investing principles
Always look at the downside before the upside before you invest in the stock market.

March 22, 2005

Want to retire in style?
HDFC Unit-linked Pension Plan is nothing more than a mutual fund, but with much higher expenses.

Everyone ought to and can be rich!
SIPs are the best and the easiest way to make money.

March 21, 2005

Investors! There's always a 2nd chance
It is purely a matter of risk/return profile and for investors who prefer safety of capital to returns, there is always a second chance.

5 MUSTs to look for in an insurance co
Here are a few guidelines on how to evaluate a life insurance company.

They make money when stock prices fall!
Sheth is not the only one using the short-selling strategy to make money. Short-selling allows a person to make profits from a falling stock and is used as a strategy effectively worldwide.

March 18, 2005

Fund IPOs? A checklist for investors!
Our advice to investors would be to participate in the flexi/multi cap segment for the right reasons like building a comprehensive portfolio or achieving your investment objective.

Invest in PSB stocks? You bet!
Anyone who wants to bet on the Indian economy has no choice but to bet on public sector banks.

March 17, 2005

Stay away from income funds!
With interest rates expected to remain volatile in 2005, it would be prudent to stay away from long-term income funds or gilt funds for some more time.

Get new rates for old home loans!
Many players are entering the home loan market with promotional offers, which may be a good opportunity for existing borrowers to relook at their loans.

Monetary Policy demystified
Declared semi-annually (i.e. March and September), the Monetary Policy takes stock of the economy's liquidity and inflationary conditions and employs the necessary tools to revive it.

The 10-year itch!
We have highlighted the performances of some of the leading diversified equity funds that have completed a decade long existence.

Short-term debt funds the best bet!
If interest rates do rise, they can then shift to long-term debt funds to benefit from higher yields and/or even bank fixed deposits.

How not to lose money in the stock market
Here are four key areas you must look at while investing in the stock market.

March 16, 2005

Why you must have mediclaim!
It is prudent to get a medical insurance cover to ensure that illnesses do not drain your resources.

March 15, 2005

Can arts students get study loans?
In the case of arts students, banks look at the course the student proposes to pursue, the institution, the alumni of the institution and the possibility of a handsome salary on completion of the course.

Gas stocks can make you rich!
Gas stocks should see high growth as steady supplies and compelling economies force user industries to close in on an alternative to naphtha.

March 14, 2005

Plan for your retirement now!
You are nearing retirement faster than you think. Spot a retirement plan basket and start putting in whatever you can before it's too late.

March 12, 2005

Investing? Here are some great tips
The Sensex has been recording new highs day after day, although the last two trading sessions have been subdued.

March 11, 2005

The best mutual funds! Period
Crisil's Composite Performance Ranking for December 2004 quarter.

Buying stocks? Be careful!
While the sense of optimism about the returns from the stock market is apparent, probably, it is time to be rationale.

Gold investment? Better than FDs!
It should always be remembered that investment in physical gold must always be in the form of coins/bars and should be in addition to the jewellery held by the household.

March 10, 2005

Insurance, PPF withdrawal? Pay tax!
At present these schemes/instruments offer tax-free returns on maturity.

How to make money in the stock market
It is a better to stay invested in the market rather than trying to time the markets.

The 5 best real estate options!
We look at the five best real estate destinations in India for your money.

March 09, 2005

Repaying home loan? Read this!
Housing finance companies are receiving numerable queries from home buyers as to how best they can benefit from taking a home loan, and what would be the ideal product to go for.

Great tips to save more tax!
With tax breaks available for investments across asset classes, you can make a good portfolio and save tax.

March 08, 2005

The top 5 mutual funds!
Financial product distributors play a key role in selling mutual funds to investors. Business Standard spoke to select distributors about their top five recommendations this month with reasons for suggesting the same.

PPF investors may need 3 accounts!
Scores of Indians who use the Public Provident Fund as a tax saving tool might now need to maintain three separate accounts instead of just one, as they now do, tax lawyers say.

March 07, 2005

The best tax-saving funds
With investing in ELSSs becoming an attractive option, here is a look at some of the best in the category.

Should you invest in stocks now?
Now that everyone on the Dalal Street is 'revising' the target for the benchmark BSE-30 upwards, especially after a good Budget, the premise of the same has to be questioned.

March 04, 2005

Budget: A blow to pension schemes
The Budget has dealt a big blow to the long-term security needs of individuals.

Section 80C makes life better
The new Section 80C of the Income Tax Act proposed in Monday's Union Budget gives you a bigger tax break than what the current regime offers.


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