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Mutual Fund
Not for the first-time equity fund investor; this fund will suit experienced investors. If you already have a few sector funds, exit one to invest in this.
  • Four ratios to know You don’t need to know how to calculate them, but understanding what these ratios indicate will help you understand the finer distinctions between fund schemes.
  • Benefiting from basics The most successful strategies of investing in mutual funds are surprisingly also very simple. Here are some of the time-tested thumb rules to keep in mind.
  • Funds: Look beyond surface Finding the right mutual fund is not the easiest thing to do. But with some basic facts in place and sufficient knowledge of the markets, you could end up with a winner.
  • Loss today, gain tomorrow With fall in returns on mutual funds, investors have gone through a tough time. Pick up the right lessons to turn today's losses into tomorrow's gains.
  • Banking funds perform well Banking funds have outperformed their benchmarks in the past one year. The category average for the past year is double that of equity diversified funds.
  • 'Be disciplined about investing' "Adopt a disciplined, rather than impulsive approach to investing," says,  Anand Radhakrishnan, Vice-President and Portfolio Manager (equity), Franklin Templeton Investments.
  • Funds from house Real estate funds will offer greater liquidity, lower tax rates, more transparency, convenience and, above all, lower entry price to investors in property.
Tax
Yes, you can avail tax deduction for payment of rent subject to certain conditions. Read on to know the complete answer.
Your Wallet
Namrata Dadwal
Buying an AC that suits both your room and your pocket need not be a difficult task. We show you how
BASICS
You are checking a company’s financial report and the words earnings and profit jump out from all over. Which profit should you consider while evaluating a company? What is the utility of so many profitability measures? How are the ratios—which analysts keep talking about—calculated?
Portfolio Doctor
Raipur-based Pradeep Saxena has a secure government job. He can and must increase investments in equities to meet all financial goals.
Books
Sameer Bhardwaj
In the past few weeks, mutual funds have given negative returns. So investors have begun to review their fund strategy. If you want a book to brush up basics of fund investing, this one is a good choice says Sameer Bhardwaj.
Query Corner
If you are looking at only risk cover, term insurance is the best and cheapest option for you. Ulips offer a combination of insurance and investment. However, Ulips come with administrative charges, which are high in the initial years but taper off with time.
Editors Note
Rohit Saran
Basic investing intelligence doesn’t require extraordinary skills or knowledge. All it takes is inclination and interest to understand simple calculations and principles.
Talk Back
It is difficult to suggest an investment strategy without knowing your financial details. As a rule of thumb, invest your retirement savings in a mix of fixed income instruments, monthly income plans of mutual funds and large-cap equity funds.
Now and Then
Here's a statistic that should make it easier to cope with the scorching summer months. Competitive pressures and cheaper imports have brought down prices of air conditioners significantly in the past 10 years.
My Idea
Narayan Krishnamurthy
What good are cancelled shares and bond certificates? Pranav Gandhi, collector of old certificates shows it can be akin to owning some of the best companies.

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