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Cover Story

  • Will the markets rise or will realty plunge? Will the debt options work? We analyse the financial scenario in 2011 and the ways you can gain from it.
  • Buying a second house in anticipation of a good return might be a risky proposition if you fail to pick the right property or have a short-term view.
  • The continuing crunch in liquidity is likely to result in higher interest rates on bank and corporate fixed deposits.
  • As the system grapples with liquidity crunch and the RBI tightens its monetary policy, short-term income funds can deliver a return of 9-10 per cent.
  • During the 2008 downswing, the Sensex fell sharper than the US Dow Jones. As no market can perform consistently, it makes a strong case for diversification in the overseas markets.
  • In the next few months, the stock movement will be dictated by good governance, execution record and positive cash flow. Large-caps and some mid-caps will perform well.
  • S.B. Mathur, Secretary General, Life Insurance Council, tells Sarbajeet K. Sen, how the new products and changes in insurance will impact the consumers and the market.
  • Insurers are gearing up to bring out customer-friendly products, which ensure lower charges, higher returns and curbs on mis-selling.
  • The buy-and-hold strategy might not work in 2011. Trading could be the right option in a market facing risks of rising oil prices and strong dollar index.
  • R.V. Verma, CMD, National Housing Bank, talks to Sarbajeet K. Sen about concerns over the rising property prices and how the recent RBI regulations can bring relief.
  • The markets have bounced back in the second quarter of 2010-11 and the trend is likely to continue. Here is what you can expect in this year.
Mutual Fund Infra funds: Growth ahead

Infra funds: Growth ahead

Infrastructure funds have performed poorly since 2008, but as the macro-economic growth remains intact, they are likely to do well in the future.

Steady returns

Despite a swinging Sensex, the MONEY TODAY-Value Research Lifestage Portfolios have earned healthy returns because of investment in promising sectors.
Careers A stake in everyman's dreams

A stake in everyman's dreams

The latest variant of venture capital, micro-equity offers small, ordinary businesses the opportunity to expand through funds and mentoring.

Perils of job switching

With the job market picking up, it may be time to change employers. But shifting for the wrong reasons and doing it too frequently could ruin your career, says Devashish Chakravarty.
Insurance How 2011 will impact you

How 2011 will impact you

Will the markets rise or will realty plunge? Will the debt options work? We analyse the financial scenario in 2011 and the ways you can gain from it.

Age old concerns

Though 76 per cent of Indians worry about developing a chronic disease in old age, only 38 per cent have bought health insurance. These are some of the findings of a Bupa Health Pulse survey.
Smart Spending The Hot & the not so Happening

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.

Secure your sale

Selling online poses as much of a security risk as buying. Here are some preventive steps that can ensure a safe transaction.

Top 10 used cars

Buying a second-hand car can be a good choice if you want more value for less money.

Soft options, hard savings

Here are some Web-based services that small enterprises can use to reduce their operating costs without compromising on quality.
Books Winning technique

Winning technique

Go through this entertaining primer on stock market trading, which lists useful tips and practical pointers for beginners.
Insight Top ranked funds

Top ranked funds

Mid-cap funds continue to fare better than the other equity-based funds, earning an annual return of 61%, on an average, in the past two years.

Best performing stocks

Consumer goods companies have fared well in the past six months, with five stocks among the top 10.

Consumption boosts GDP

Private consumption is likely to buoy GDP growth, even as the services sector continues to contribute significantly to growth.

Large-cap winner

Franklin India Bluechip has outperformed its category and benchmark during four of the past five years.
Technology Keep your mouse appy

Keep your mouse appy

The mouse may seem like an innocuous accessory with limited utility, but tap into the six free applications listed here and the puny tool will scurry beyond its routine functions to enhance your convenience.
Perspective Special needs

Special needs

Bajaj Allianz recently introduced a unique range of products under the name of 'Ability Insurance' for the specially-abled.

Taking away temptation

Which seems easier-paying Rs 20,000 a month or Rs 24,000? Okay, no prizes for guessing the obvious. The former will be much simpler to take out of your budget.

Click funds

Mobile banking recently got a boost with the introduction of Inter-bank Mobile Payment Service, a real-time electronic fund-transfer service.

A faster approach

If you're wary of subscribing to an initial public offering (IPO) because you don't want to block your money for 12 days, market regulator Sebi is set to alleviate your concern.

Closing loopholes

Can you earn returns from a fund without investing in it? It may boggle your mind, but, surprisingly, many large investors had been doing so.

Stocking a portfolio

Even if you are a conservative investor, stocking up on blue chips can garner you a good profit over a decade.

Digital disease

Nearly 65% of adults have been victims of cyber crime globally, according to the Norton Cybercrime Report 2010. Here's a look at how a silent epidemic is affecting us.

Knocking for justice

You can't stop fighting with your neighbour and the only way to reach an agreement is to go to court. However, this will consume a lot of time and money.

Regulator Watch

A look at the recent rulings that can affect you:
Real Estate Honey, I shrunk the house

Honey, I shrunk the house

Affordable housing is the catchword now, but does it make sense to buy a studio or one-bedroom apartment?
Query Corner Query corner

Query corner

How will the Direct Taxes Code (DTC) affect the tax status of Ulips? Will the existing Ulips continue to qualify for tax incentives under the new regime?
Mutual Funds Keep pace with changing times

Keep pace with changing times

Investors will need to comply with the changed regulatory norms and restructure their portfolios according to their risk profiles and financial goals.
Commodities Supply crunch to push prices

Supply crunch to push prices

Sustained growth in emerging markets of Asia and Latin America will keep the demand for raw materials buoyant in 2011, even as supply remains short.
Real Estate Homing in on terms

Homing in on terms

To help you take an informed decision while buying a house, here are some terms that are commonly used in the real estate market and what they mean.
Investment Blinkered approach

Blinkered approach

Find out how 'availability heuristic' can mar your financial judgement and the ways you can overcome it.
Columns Top Picks for 2011

Top Picks for 2011

Experts list out the companies that are likely to do well this year and the reasons you would do well to pick them up.Will commodities beat stocks this year?Post CommentRead Comment-->
Travel The New Frontiers

The New Frontiers

For travellers seeking unique experiences, here are some novel trends that are likely to pick up in 2011.
Last Word Year of scams

Year of scams

If you are the average Indian, who invests with caution and pays taxes with exemplary consistency, you'll remember 2010 for two reasons: CWG and scandals.
Financial Planning 20 money saving tips

20 money saving tips

If you are a college student, cashlessness is a perpetual state of existence. Short on funds and craving for pleasurable pursuits, you have two options. Resign to your impoverished status, or go through the 20 pointers we have compiled for you.
Editors Note From the Executive Editor

From the Executive Editor

As you pick up this issue, you will be preparing for the year-end festivities. Welcoming the new year is reason enough to cheer. But as a consumer of financial products, you have a greater cause for celebration.
Talk Back Letters talk back

Letters talk back

In the story 'Nothing Personal' (December 2010), credit card has been included as an asset one can borrow against. Is this the same as the cash advance facility that credit cards offer?