Cover Story
- We take you through the problems in seven areas of personal finance and offer solutions. A common thread that runs through these solutions is your need to understand the product.

Start up in a slowdown
If your idea is feasible and the sector is right, venture capitalists will be ready to fund you, even in a downturn.
FIIs' stake in Indian markets
Despite the weak fourth quarter results of MindTree, FIIs increased their stake in it because of its better-thanexpected revenue guidance for 2009-10.Technical analysis of the Sensex
Technical analysis does not help make absolute predictions, but like weather forecasting, it enables the investors to be better prepared for the future. Forecasts for the Sensex depend on the five trends listed below. Pharmaceutical companies have fared well in the past year, with four figuring in the top 10 stock list.When a Ulip is better than a mutual fund
If the tenure is over 15 years and the investor is proactive in switching between debt and equity, Ulips can be a rewarding option.
Buoyed by chance
Bengaluru-based Vijay Shukla has profited from advice, but must improve his financial acumen to sustain the good run.
Rights time
With stock markets on an upswing in the past month, there are signs of the effect rubbing on to the primary market as well.
What is your travel IQ?
Be it a business trip or an annual summer holiday, it pays to know how to avoid costly surprises. Take this quiz to learn how to save while travelling.
Vista tricks and treats
Windows Vista may not have inspired a fan following because of its size and operational problems, but on standalone machines it can be stable, even fun.
High five: Sectoral gains
Analysts are optimistic about select sectors and stocks that have gained from the recent rally. Here are five picks and why they are likely to do well in the future. Our fund manager short-sells another stock in Wealth Zoom and explains why. Readers, however, are sceptical.
Look beyond projects
If investing in realty, consider more than a proposed project in the area. Ensuring that your assets benefit desired members of the family after your death is neither a complex nor an expensive exercise.
How can one invest in a gold exchange-traded fund (ETF)?
Gold ETFs can be bought and sold like any other share or security on the stock market through a broker. You need to have a demat account in a bank or a depository partner, and a trading account with the broker.
Winning service
The desire to nurture sporting talent led Joseph Ollapally, 29, Hakimuddin S. Habibullah, 30, and Nandan Kamath, 32, to start GoSports, a Bengaluru-based firm that manages and grooms athletes.
Understanding technical analysis
In the current uncertainty and despite the surprising rally in the market, technical analysts continue to forecast specific target levels for stocks and indices.
Striding forward
Tata AMC picked up pace after April 2003 when it launched the Tata Infrastructure Fund and the Tata Dividend Yield Fund. A mutual fund’s returns should not be the only criterion for selecting a scheme for investing. Investors also need to evaluate how these returns are generated.
'Consumer activism has been on the rise'
Consumer activism has been on the rise during the slowdown as some companies are misleading consumers and investors for their profit.
The cost of windfall
Your arrears will provide a boost to your finances, but they may also increase your tax burden.
Home birds
The unique combination of amenities and comfort for corporate travellers at a fraction of hotel costs proved to be the success mantra for twins Vivek Madappa and Vinod Thimaya.
From the Executive Editor
Today, as India stares at the prospect of lower growth, we are facing the adverse consequences of our actions.
Buffettology for India
Buffett’s rules are not irrelevant. They just need to be applied appropriately in india.
Investing logic
If you are an impulsive investor, read this book for temperance. The studies on investor behaviour patterns across the world can provide a much-needed insight into your own.