In the current scenario, yes. It's a better option than buying a house as the real estate market is overheated and speculation has driven up the prices, while rental values have not kept pace with this trend.
Yes, because all the factors that had contributed to the rise in the price of gold in 2008-10 are in play again and analysts expect the yellow metal to do well in the coming months.
Only if you can buy a new policy with a bigger insurance cover for the same price. Of late, term plan premiums have come down and online plans are far cheaper.
Life insurers are finally waking up to the potential of the Internet as
they launch online products in quick succession. Customers are giving
these plans a thumbs-up.
The uptrend in the stock market is attracting hordes of investors. However, adopting a contrarian approach and investing in other avenues can be equally profitable.
With inflation showing no signs of abating and the RBI not in a mood to ease the monetary tightening, medium- and long-term debt funds can continue to give poor returns.
Not if you have a 1-2 year investing horizon. Given the prevailing uncertainty and high valuations of other assets, fixed deposits are a better option now.
Not always. A stock could be available at a price lower than its peers for a variety of reasons. Don't be tempted by this. It's more important to know about the growth prospects of the company.
No, don't invest in a scrip just because it is in a fund's portfolio. Fund managers can also make mistakes, especially when valuations are at peak levels. A good share bought at a high price is a bad investment.
In the current financial uncertainty, following set principles of investing may not yield desirable returns. Find out how to maximise gains by adopting contrarian strategies. Members-only fashion websites offer deep discounts on luxury brands and high-end products. It's a win-win proposition for all - consumers, suppliers and the websites.
The world in my pocket Buying is not always the better option. Hiring gadgets and appliances can be more cost-effective and convenient, especially if it's for the short term.
The Hot & the not so Happening Sam Abraham reviews new products and services to help you zero in on those that offer value for money.
Big group, small price Group buying is the latest online trend offering big discounts on leisure activities and at eateries, a first in the country. While a co-borrower can ease the burden of a loan, the move can backfire if the partner defaults. Here are some options to help resolve the situation.
Nothing Personal Borrowing against assets such as gold or property can be a lot cheaper than a personal loan. In the final part of this sub-series on negotiation, Devashish Chakravarty suggests ways to deal with the boss, peers and juniors while maintaining a cordial relationship.
Voluntary Gains If you are looking for a career shift or simply boost your resume, overseas volunteering can be a good option.
Paying to get cheated While working from home is an attractive option, beware of swindlers who will rob you of your money instead of paying you. It's ironical how we hate to lose out on a few grams of vegetables while haggling with the vendor, but are blinded by the bright lights of a store while picking up grocery.
Smooth way to pay For many commuters, the worst part about using public transport is not the crowd, noise or traffic; it's the tedium of carrying a large amount of loose change.
European Option The Securities and Exchange Board of India has now allowed the bourses to introduce the European style of trading stock options.
Realty check Buying a house is a tedious, worrisome process, and it's not just
financing that we are talking about. There are several things one needs
Optimistic Indians Indian consumers are the most confident worldwide, according to the
Global Consumer Confidence Index survey released in November by research
firm The Nielsen Company.
Protected Benefits Does the fear of losing your credit card make you check your wallet
every five minutes to ensure it's intact? A better and safer option is
for you to go in for the SBI Platinum Card.
Growth plan Life insurers are constantly coming up with innovative plans to woo
customers. Now, it's the turn of HDFC Life, which has launched ProGrowth
Maximiser, a 10-year Ulip.
Regulator Watch A look at the recent rulings that can affect you: Is it a winning market? You could play it for profit if the set of
favourable factors, such as improving corporate performance, FII inflows
and the upswing in hiring, continue. The story on investing in the current
market boom (Finding Value at 21,000, November 2010) was informative.
But isn't it
better to book profits rather than try increase exposure to equity? Diversified investments in healthy sectors have helped MONEY TODAY-Value Research Lifestage Model Fund Portfolios earn steady returns in an erratic market. The low cost of term insurance allows customers to buy adequate life cover. Here are a few things to keep in mind when you go shopping for one.
The risk of getting insured Insurance continues to be missold despite industry's claims to the contrary and senior citizens are the softest targets as they don't understand the newfangled products. Structured products such as capital protection funds allow investors to gain an exposure to equities without the risk of a downside.
Disposition effect In the third part of the series on investor psychology, learn why you tend to carry your losses or are blindfolded by small profits. The second quarter results for 2010-11 indicate that the Indian markets have bounced back, with most companies exceeding analysts' expectations.
A period of strong growth The second quarter of 2010-11 saw few surprises, with growth continuing
in sales, order pipelines and earnings in domestic investment and
Fever pitch It may have been a record year for IPOs, but investors need to be cautious, as the Sensex has breached the 20,000-level. With its swings and surprises, growth and aggression, 2010 has left an impact. Here, four industry experts recall why the passing year is likely to be etched in memories - theirs and investors'. Amisha Vora, joint managing director, Prabhudas Lilladher, talks to R. Sree Ram about what the Indian investors can expect in the current market boom. Taxspanner.com will answer queries on tax, Antony Jacob, CEO of Apollo Munich, will deal with health
insurance, and Anil Rego, CEO, Right Horizons, will tackle financial issues. It's yet another primer on markets, but both veteran and novice investors can benefit from the lucid, sound advice. Stand-alone health insurers are making a mark by introducing novel policies that cover everything from joint families to a visit to the dentist. Not if you are investing through a bank or a brokerage house. The fixed charges levied on mutual fund trading facility and debit of securities from a demat account will be too high. Mid-cap funds continue to fare better than the equity diversified large-caps, returning 37.9 per cent in the past one year compared with the latter's 25.6 per cent.
Best performing stocks Small- and mid-cap stocks continue to do well, with eight stocks doubling in value in the past six months.
A Measure of Confidence While retail investors seem upbeat in the current market scenario,
corporates and advisers are more cautious, according to the latest J.P.
Morgan Investment Confidence Index.
Diversified Achiever Quantum Long Term Equity has delivered steady returns, beating the category and benchmark in the past three years. Anybody who had invested in Tata Consultancy Services in November 2007
would have more than tripled his money in the past three years. But few
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