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Personal Finance



September 30, 2004



Wanna buy a car? Take a home loan
Home loans today are more than just the means to buy a house.

How to pick the right mutual fund
An asset management company, which has given consistent returns across many schemes and whose management style has stood the test of time can always be expected to deliver




September 29, 2004



10 easy steps to investing in MFs
Here are 10 pointers for investors who find the exercise of selecting and evaluating mutual funds a tedious one.

Book-building? Now what's that?
What is the difference between offer of shares through book building and offer of shares through normal public issue? Let us find out.




September 28, 2004



e-banking? It pays to be cautious
While banks need to keep abreast with the latest technology on e-security, bank account holders need to do their own part to ensure they are not playing into the hands of fraudsters.




September 27, 2004



Are media stocks a big deal?
After lying low for a long time, the media sector has crept back to the limelight in the last few weeks amid a slew of tieups and near tieups.

You've got jobmail
Checking out the job market has never been easier.




September 23, 2004



Sector funds: Are you risking too much?
However sector funds (which represent high risk-high return propositions) can surely be expected to deliver at a time when markets have performed smartly.

Are new mutual fund IPOs good?
Many of the new mutual fund IPOs are nothing but old wine in a new bottle.




September 21, 2004



Buying a house? Check this out
With rising competition, banks and home finance companies have been hardselling these facilities, to prop up their disbursal figures. What does this mean for the buyers?




September 20, 2004



The art of money making
If well-picked, paintings have the potential to translate into decent sums of money.

Is it wise to invest in vice?
Analysts and industry people seem convinced that the domestic liquor sector is slated to grow substantially from the current levels.




September 17, 2004



Choosing a broker: Do's and Don'ts
As much as stock selection is a systematic and an extremely essential aspect to equity investing, so is choosing the right broker.




September 16, 2004



Check this before you invest!
Here's a checklist of things you need to do before you invest in the stock market.

'MF mergers help investors'
In case of a merger, investors need to keep the investment objective/style of the new scheme and evaluate whether the same fits their financial goals and risk profile.

What is the risk in mid-caps?
Mid-cap stocks could become potential winners in the medium to long-term, but there is a high-risk premium attached to investing in such stocks.




September 15, 2004



Five wrong reasons to invest in equities
Take a look at some of the more popular but 'wrong' reasons for investing in equities/equity funds.

Why you must bargain with credit card cos
With the entry of Standard Chartered's 'Manhattan' card, competition has intensified in the credit card industry.




September 14, 2004



Is your mutual fund merging?
In case of a merger, investors need to keep the investment objective/style of the new scheme and evaluate whether the same fits their financial goals and risk profile

P/BV: What on earth is this?
Apart from the price-to-earnings (P/E) ratio, another parameter that is commonly used to value stocks is price-to-book value (P/BV). Let us take a look at it.




September 13, 2004



How to approach mid-cap stocks
The economy and markets have undergone several mutations over the past decade.

Easy money for home improvement
Want to do some work on your home but stuck for cash? Not to worry, banks are more than ready to finance your needs where your home is concerned.

Market timing isn't the key
Staying invested in the market for the long run is the golden rule for wealth creation, says Smita Tripathi




September 11, 2004



Mutual funds are on a roll!
For the mutual fund investor with a moderate to high-risk profile, the equity-linked saving scheme is an option worth considering.

Some tax planning measures
A N Shanbhag analyses the recent amendments made to the Budget proposals.




September 10, 2004



Time to look at tax-saving funds
One investment that must be on the top of your list -- if you are a high-risk investor -- is the tax-saving fund.




September 09, 2004



What mutual funds don't reveal
The next time you decide to invest in a mutual fund pay attention to its objectives as well.

Have you gone long-term yet?
Short-term trading can be 'hazardous to your wealth,' over the long-term, one has a better chance of mitigating the risks involved in the short-term.

Make post-retirement plans now!
What income would you require after retirement? This depends on lifestyle and inflation.

Fund IPOs: pause and pick
It is raining funds out there. Mutual funds have been falling over one another to launch new equity schemes over the past few months. And with exotic names, too.




September 08, 2004



Mid-cap funds can make you money
Mid-cap funds are a good means to diversify your portfolio and add a flavour of growth when large cap funds are flagging.




September 07, 2004



Are interest rates about to rise?
Inflation and interest rates seem to be on top of everyone's mind at the moment.

Software: The 'risk-return' matrix
Demand for technology solution from global clients is likely to be concentrated among a few players in time to come.




September 06, 2004



Funds deliver despite inflation woes!
Equity fund investors hit a purple patch as equity markets closed in positive terrain for the second week in a row.

A revised Budget
After presenting the Union Budget on July 8 this year, Finance Minister P Chidambaram had to carry out two amendments to the same. Finally on August 26, the Finance (No. 2) Bill 2004 was passed by Parliament.




September 03, 2004



Fixed Deposits: Still a good bet?
If a fixed deposit is the instrument which suits your profile, go ahead and get invested; but ensure that the downsides are reduced to the extent possible.




September 02, 2004



MIPs? What negative returns?
Investors need to look at some key factors before investing in an MIP and the cap on equity component is one of them.

The credit card trap. Beware!
For most of us, credit cards means that ubiquitous piece of plastic that can be used in millions of establishments across the globe to pay for stuff, or swiped at ATMs to get cash.

A fixed home loan? Be careful
Remember, the fixed loan that you are taking may not be really fixed, as in an unchangeable interest rate.




September 01, 2004



Have mutual fund IPOs delivered?
Investors must exercise discretion to ensure they select an MF scheme based on whether it is a good fit in their investment profile and offers a superior risk-return proposition.




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