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Cover Story

  • Do you feel confident enough to purchase a car or laptop or would you rather save because of the slowdown? We look at recent surveys to discern consumers' attitudes on spending.
Apr 30, 2009
Insight Pharma stocks, the best bet

Pharma stocks, the best bet

Pharma stocks have fared well in the past year due to the relatively defensive nature of their business.
Stocks When the bear markets rally

When the bear markets rally

Bear markets often witness sudden upswings and the investors mistakenly believe them to be the return of a bull run. The graphs below show that such short-term rallies are much steeper in Indian markets than those in the US.

How robust is the rally?

Markets have rebounded by over 2,000 points, or 25%, from their recent lows. We analyse whether the uptrend is sustainable in the long term.

The rebirth of Wealth Zoom

Although our fund manager has taken tentative investment steps, he is convinced there will be aggressive churning — stock changes as well as trading in and out of the same stocks.
Smart Spending How to be a smart spender

How to be a smart spender

You don't have to give up all the good things in life just because the economy is down. All you need to do is make small, but long-term, changes. Where to cut costs? Buying concerns

Where to cut costs?

Spending right is also about slashing costs at the right places. Here are simple strategies to help trim monthly expenses without compromising on your lifestyle.

Let there be light

Be prepared to tackle power outages this summer. Here are some back-up options that will ensure you are never in the dark.
Expert View Focus on big spenders

Focus on big spenders

What is really important is that hidden behind the consumer statistics of most marketeers is a segment that is largely ignored.

How consumers react

There has been a clear change in the consumer spending pattern in India, with various socio-economic classes (SECs) responding differently.

Is it time to invest?

Another bear run in an already battered global economy is not only likely — given the largescale failure that might result from misguided attempts to shore up the banking system — but it can also prolong the pain, where investing today will seem like putting good money after bad.
Financial Planning Ladies' special

Ladies' special

Women are being courted with select financial offerings, but some may not be worth their cost.
Insurance To exit a life insurance policy or not?

To exit a life insurance policy or not?

If you want to surrender a policy that neither offers enough protection nor high growth, here are the things you should consider.
Upfront Scanning insurance rights

Scanning insurance rights

In case of health insurance policies, much of the disgruntlement and many disputes have risen from lack of transparency.
Travel Why travel in the summer of 2009?

Why travel in the summer of 2009?

A holiday this season might be the cheapest in two years as hotel rates and air fares plummet to suit recession-hit travellers.
Technology Cool contraptions

Cool contraptions

If the thought of summer has you sweating, chill. While some of these gadgets are powered to help you keep your cool, literally, others will eat into the long hours by keeping you sufficiently entertained.
Tax Can I claim deduction on interest earned from NSCs?

Can I claim deduction on interest earned from NSCs?

The investment made by an individual in an NSC qualifies for deduction under Section 80C. The maximum amount that can be claimed as deduction under this section is Rs 1 lakh.

What if you miss March 31

Don't panic if you have overshot the tax payment deadline. We tell you how to put your taxes in order.
Mutual Fund Gleaning the glitter

Gleaning the glitter

The Money Today-Plexus Management new fund evaluation brings to you an analysis of the SBI Gold Exchange Trading Fund.

A high-cost fund can be a good buy

Don't invest in a scheme just because it charges a lower annual fund management fee.

Bonding with high returns

As interest rates come down, debt funds are poised to give attractive returns.

Making a mark

While the fixed income funds of ICICI Prudentual Mutual Fund have had a successful run, the equity funds have managed to performed only averagely.

Be switch savvy

In keeping with your age, risk profile and changing requirements, you need to alter this ratio with time.
Real Estate Building on benefits

Building on benefits

It's the latest weapon in the home buyers' arsenal: joining forces to negotiate a better deal with the builder. However, hidden caveats can leave them saddled with shabby deals.
Query Corner I have SIPs in 5 equity funds. Should I continue investing in them?

I have SIPs in 5 equity funds. Should I continue investing in them?

Sumeet Inder Singh has been investing Rs 6,000 per month in equity funds for the past three years. Here is what he should do with his fund portfolio.
Portfolio Doctor Rudderless in high seas

Rudderless in high seas

Thane-based Sanjeev Bhadane is banking on too many wrong instruments to achieve his goals. He needs to reorganise his portfolio and make fresh investments in equities.
In this MT Issue Mariners' quest

Mariners' quest

Four youngsters from varying professions come together to float Giira Yachts, a one-stop shop for all sailing needs.
BASICS What kind of a spender are you?

What kind of a spender are you?

Identifying your spending habits can help you save better. Take this quiz to see if you need to curb your expenses or loosen the purse-strings.
Talk Back Know the firm's management before investing

Know the firm's management before investing

The quality of management is also an important factor while buying a stock.
Editor's Note From the Executive Editor

From the Executive Editor

We have consciously done stories that would leave you with actionable takeaways. Today, we know that we are on the right track.
Income Diversify your income

Diversify your income

Despite salary cuts and freeze in increments, you can maintain your lifestyle by moonlighting. We list out various options to suit your skills.
New Business Profit liner

Profit liner

A failed vaccine venture propelled Pratap Dube towards a new product, moulded roof-liners for cars. Multivac is worth Rs 17 crore today.
Books Bet on Buffett...wisely

Bet on Buffett...wisely

Three books on the legendary investor try to decipher his savvy investing skills for millions of awe-struck investors. But don't try to follow his advice blindly.
Banking 4 FAQs on Forex

4 FAQs on Forex

FEMA allows easy exchange of foreign currency, not just outward remittances. Here's what you should know about such transactions.