In several states, there were cases of falsification of records and money never reached the poor.
You can start an SIP but don't overhaul the portfolio.
Don't rush to buy or sell aggressively. At best, exit stocks and mutual funds performing badly if there are profits.
Interview with chief investment strategist, Reliance Capital.
Nomura has come a long way since launching its first India-dedicated fund six years ago.
While retaining the basic exemption limits at Rs 1.6 lakh (for individuals), Rs 1.9 lakh (for women) and Rs 2.4 lakh (for the retired), the slabs have been hiked substantially.
After Chanda and Deepak Kochchar, the Kudvas are the second power couple in the financial world to come under the regulatory glare.
When you buy a stock, especially a mid- and small-cap one, have a price target. Once you hit the target, exit the stock, advises Joydeep Ghosh.
'Banks have to be braver, willing to take more risks and give confidence to the customer,' observes Joydeep Ghosh.
'The book captures Rana Kapoor's hunger for real estate leading to bungalows in Delhi, Mumbai, London and other cities; the multiple companies -- over 100 -- to fund his family's various ventures; the attempt to game the system by showing lower non-performing assets,' notes Joydeep Ghosh.
Keki Mistry, bottom, left, vice-chairman, Housing Development Finance Corporation (HDFC), tells Joydeep Ghosh that debt fund investors could become risk-averse, leading to problems for other non-banking financial companies.
With RBI holding on to rates, investors should avoid longer duration funds for the near future, experts tell Joydeep Ghosh
Linking all new floating rate loans to an external benchmark won't impact existing borrowers, so customers who have taken long-term home loans recently should watch things carefully, say Joydeep Ghosh and Sanjay Kumar Singh.
Importantly, is there hope going forward?
If you missed the primary market bus but still want to invest in Sovereign Gold Bonds, then feel lucky.
The average difference in expense ratios between a regular and direct plan is 100 to 120 basis points. For those who need hand holding, spend the 100 to 120 basis points and get advice on the right schemes that suit you. Don't land up buying a scheme with low expense, but lower returns.
Avoid fresh investments, as there might be more opportunities in the coming months, market experts tell Joydeep Ghosh
'For the RBI, it is also strategic to allow the rupee to over-depreciate, then come and buy the rupee, and benefit from its appreciation. Speculators who have driven the rupee too low then make losses,' says Ashima Goyal.
Despite returns from gold down over 5% in the past three months, it is a good idea to keep this asset class in your portfolio.
The new executive director of Reliance Capital has big shoes to fill in every way.
The credibility of India in the eyes of foreign investors has also relatively gone up, with China's blunders in this crisis.
The recommendation, if implemented, is likely to face opposition from the government's key support base among Hindu traders and businesspersons.
'Allocate 30% to 35% of your equity portfolio to mid-cap funds and 10% to 15% to small-cap funds.'
Focus on large-caps and ensure that the portfolio is balanced.
While an impending rate cut is a good reason to enter debt funds, another is the high valuations in equity markets.
Expect more volatility in the coming year as the economy and markets price in the demonetisation drive.
Joydeep Ghosh takes stock of personal finances after the life-altering surprises of 2016.
To make money, invest in both good and bad times; otherwise the entire exercise is futile, experts tell Joydeep Ghosh & Sanjay Singh
'Debt mutual funds are a good option now because interest rates are coming down.' 'Retail investors must put a majority portion of your money in short-term debt funds (1 to 3 years) and only a small portion in actively managed dynamic funds.'
The stocks Radhakishan Damani enters or exits are closely watched by fund managers, says Joydeep Ghosh.
The banking sector's credibility is on thin ice. Unless the government takes strict steps, things could get worse.
While there's tax arbitrage advantage in ULIPs now, experts say investors should prefer mutual funds for long-term savings.
Keki Mistry, vice chairman and CEO, HDFC tells Joydeep Ghosh and Chirag Madia that unlike some other players it never went for excesses and never took unreasonable risks.
The sector needs to move away from such concepts.
'It is like bombing a building with 200 people to kill 5 terrorists.'
'The rate of interest from the EPF is still attractive compared to the rates on fixed deposits, National Savings Scheme, Public Provident Fund...'
Resolution to the bad loans problem has to be incremental, and the RBI has to ensure NPAs are not swept under the carpet, HDFC chairman Deepak Parekh tells Joydeep Ghosh.
The onus is on you to reject financial products that don't suit your needs.
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