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Cover Story

  • Most asset classes saw heightened volatility in 2011, reponding to global cues amid high inflation, corruption and concerns about policy paralysis. Here's the outlook for the year ahead for gold, silver, copper and crude oil.
  • The industry is on a high growth path and many new players are expected to enter the market. With a rapidly-evolving landscape and competition, the customer will be empowered with more choices and customised products that fulfill specific needs.
  • Normal 0 false false false MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} For retail investors, direct investing requires either taking delivery, which is difficult, or trading in futures, which most find tough to understand. Take your bets through mutual funds.
  • Normal 0 false false false MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} We explore stocks and sectors that have limited downside for those who wish to be safe and yet do not want to miss the bus in case the markets rise in 2012.
  • For long-term mutual fund investors, strategy for 2012 is simple. Invest in a staggered manner for at least three-five years without bothering much about volatility and immediate market sentiment.
  • As the year draws to a close, the question every investor is asking is - will India's stock markets smile in 2012? They might, say experts, if the government can pull the economy out of its current mess. If not, they say, the markets are hugely undervalued and so have limited downside potential. 
  • For all its problems, the real estate market - both consumers and companies - lived through interesting times in 2011. Relentless rise in property and interest rates, controversies over land acquisition, the landmark Noida Extension court judgment and, to top it all, the various reform proposals, made for a heady cocktail. The next year is expected to be no different.
  • Anup Bagchi, MD & CEO, ICICI Securities, talks to Tanvi Varma about the outlook for 2012 and factors that investors should watch out for when entering the equity market.
Jan 31, 2012
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Mutual Fund Top performing mutual funds for January 2012

Top performing mutual funds for January 2012

Diversified equity funds performed badly in 2011 with average one-year return at -19%. However, debt funds came as a respite with average return on income funds at 8.6%.

Mutual Fund - Here's how to choose the best product

CICI Prudential Mutual Fund, in collaboration with MONEY TODAY, has been organising investor conferences, Investor Awareness Initiative-2011, in several cities to popularise this. Here are excerpts from the interactive session during the third such conference held in Bangalore.

Religare Tax Plan remains an outperformer

Religare Tax Plan mutual fund has outperformed its category average since inception.
Careers Career tips - Addressing gender bias in workplace is important

Career tips - Addressing gender bias in workplace is important

Negotiating gender bias at workplace is important for the success of every organisation.
Stocks Amtek India surged over 115% in last 6 months

Amtek India surged over 115% in last 6 months

Amtek India is among the top gainers in the last six months with return of over 115%.

Technical tools used to predict stock market trends

Here are some technical tools used by experts to predict stock market trends.

Rate-sensitive stocks may be poised for a comeback

Stocks that have fallen the most due to rising interest rates may be ripe for a turnaround.
Perspective Nabbing Online Fraudsters

Nabbing Online Fraudsters

Now, you can report such scam offers to any of the 34 nodal agencies identified by the Reserve Bank of India (RBI).

Property prices rise in NCR, Mumbai

In 2011, real estate markets in India have seen wide variations in price movement of houses. Homes became more expensive in the Delhi-National Capital Region and Mumbai.

Equifax launches credit scoring system for loan seekers

Consumer credit reporting firm Equifax Credit Information Services has launched a new credit scoring system which offers credit scores for both consumers with credit history as well as those without any existing records (such as first-time borrowers).

ATMs may accept cash directly

If the recommendations of a government-appointed committee on automated teller machines (ATMs) are accepted, besides dispensing notes, the machines may soon start accepting cash directly.

India again tops remittances chart

India has maintained its position as the world's top recipient of officially recorded overseas remittances in 2011, according to the latest issue of the World Bank's Migration and Development Brief. This is the fourth consecutive year when India remains at the top of the chart.

Now, a consolidated statement for all your MF investments

If you have investments across different mutual funds, you can now receive a consolidated account statement (CAS) instead of multiple statements from different fund houses.

ICICI launches Money Manager tool

ICICI Bank along with Intuit, a global developer of business and personal finance management solutions, recently introduced 'Money Manager', a web-based solution for their customers to manage their finances effectively.

Insurance companies can now go for IPOs

As per the recently announced guidelines by the Insurance Regulatory and Development Authority (Irda), insurers that have completed 10 years in the business will be allowed to raise capital from the market through initial public offerings (IPOs).
Insurance Pledging insurance policy for a loan

Pledging insurance policy for a loan

You can pledge your insurance policy for a loan. However, make sure you pay off the debt in a short period.

How to choose a health plan

With insurance firms offering a vast variety of health plans, Chandralekha Mukerji lists what to consider while buying.
Banking Best deals from public and private sector lenders

Best deals from public and private sector lenders

Are you scouting for a loan to buy a house, a car or for your child's education? Given below are the best deals on offer from public and private sector lenders.
Investment Uncertain markets, invest in gold equity funds

Uncertain markets, invest in gold equity funds

Gold has been on an unstoppable rise, giving stupendous returns, as investors seek refuge in it from uncertain markets. One can take advantage of the relentless rise in gold prices by investing in gold equity funds.
Real Estate How to negotiate a good deal from property dealers on a house

How to negotiate a good deal from property dealers on a house

As the economic condition becomes alarming and the demand for property wanes, those looking to buy a house can leverage the situation to get a good deal. Here's a guide on how to get the best price from property developers.
Tax Income tax deductions that you should not miss

Income tax deductions that you should not miss

Here is a list of some of the investments and expenditures that qualify for exemptions/ deductions under various sections of the Income-tax Act.
Banking Regulator Watch: A look at recent rulings which can affect you

Regulator Watch: A look at recent rulings which can affect you

A look at recent rulings which can affect you.
Insurance Auto insurance premium likely to go up

Auto insurance premium likely to go up

The Insurance Regulatory and Development Authority is planning to soon replace the current commercial third-party motor pool with a 'declined' pool.
Technology Search engine optimisation helps to attract more visitors

Search engine optimisation helps to attract more visitors

The title of the webpage, which appears on top of the Web browser, appears in search listings. It should include your target keyword(s), preferably in the beginning. Making your title descriptive will attract visitors.

How to earn from your online portal

In the first part of this series, we told you how to create your own website. Now, we tell you how to earn from your online portal.
Query Corner What is a prudent strategy for investing in MFs?

What is a prudent strategy for investing in MFs?

I usually buy when the net asset value of a fund is low and exit when it's value is relatively high, just as with the stock market. Is that a prudent strategy for investing in mutual funds?
Editors Note Money Today Executive Editor on investment options for 2012

Money Today Executive Editor on investment options for 2012

As most investment gurus advise, the best time to build a portfolio is when the general mood is pessimistic so that when things begin to look up once again, which they surely should at some point sooner or later, you will not be left ruing that you missed the bus.
Talk Back 'The cover story package was timely'

'The cover story package was timely'

I think it is better for the common investor to go for fixed-income securities, which are giving decent returns at present. In this context, your cover package, which gives the various options for investment in fixed-income instruments, was timely.
Reviews The mobile operating system guide

The mobile operating system guide

Most cell phone operating systems have been upgraded in the past few months. But, how will this change the way you use your phone?