Money Today readers give their feedback on the magazine's coverage

Money Today readers give their feedback on the magazine's coverage of the personal finance sector -

The National Pension System does indeed have the credentials to be an attractive investment option for old age income security (Getting a Facelift, December 2012). Unlike other schemes for retirement income, such as the Employee's Provident Fund (EPF) and pension plans from insurers, the NPS offers an option of investing money in equities. This means that there is a good chance of beating inflation in the long run. The cap of 50% on investing in equity also seems reasonable and safe.

However, for those who start investing in the scheme when they are near retirement, it would be best to choose schemes that offer higher investment in debt. Only those who have a sufficient investment period should take the risk of investing in equities.

It is also good to know that the pension regulator has allowed fund managers to charge a higher fee. This should result in the companies promoting the scheme proactively. Until now, the NPS has not got the publicity required to make it a success.
- BHARTI SHAH, Gandhinagar

The story on initial public offerings that have gone below issue price (Value Below the Surface, December 2012) made for interesting reading. For some time now, we have not seen the kind of optimism that was there a few years ago. That so many IPOs are below their issue price will surely add to the pressure. However, as your story does say, there may be several investment options within the pack. I have been a regular investor in IPOs and have a mixed bag of stocks. I feel that investors need to look at all options, including IPOs, to spot value purchases. I believe that there is money to be made in every market condition. However, if one is reckless, the consequences can be terrible.
- JOLLY SINGH, Gurgaon

When to exit an investment is a common dilemma for investors. It is easy to choose an investment but difficult to decide when to exit. The same is true with investment in property. It was interesting to read the article on the triggers that should alert an investor on when to sell ones property (The Exit Door, December 2012). If property has been brought only as an investment, the owner should exit once his target return has been met. To do this, one must study market trends to keep informed and take expert advice before the sale.
- PREETI SAHANI, New Delhi

An exchange-traded fund comprising public sector listed companies is something I would be very interested in (Cocktail of PSU Stocks, December 2012). Despite the risk of political interference and traditional inefficiency, I think it could be a good investment if the right stocks are involved.
- VENKATESH RAO, Hyderabad