Money Today Archive April, 2010 Issue

Edition: April, 2010

Cover Story

R. Sree Ram and Tanvi Verma

Time to bet on the market

Retail investors continue to stay away from stocks. However, the budget has given a new direction to the markets and put more money in investors' pockets by way of tax cuts.  
Stocks
Kamya Jaiswal
Moving up the learning curve, Kamya Jaiswal selects a benchmark to evaluate the growth of her portfolio.
  • In your interest A combination of derivative market tools like open interest and futures prices can help determine the cash market direction.
  • Option to beat the bear A combination of call and put options can help make profit and limit losses in a market likely to be bearish in the near term.
Insurance
Despite an increase in the number of health insurers in India, awareness and penetration of coverage remain low. Here are some other findings on health insurance, according to a survey by Celent, a financial research and consultancy firm.
  • Don't blow your cover A customer suffers a heavy loss if his insurance policy lapses. Here's what you need to remember to ensure that it doesn't happen to you.
Investment
The grading of financial products influences the decision of investors, but can the credit rating agencies be trusted? Not always.
Real Estate
Rakesh Rai
If you are planning to cancel your booking in a real estate project and shifting to a new one, be prepared for long delays in getting refunds.
Careers
Namrata Dadwal
One of the fastest growing sectors, the healthcare industry is offering a wide array of jobs as well as entrepreneurial opportunities.
Portfolio Doctor
On paper, every investor knows that the four main investment vehicles that comprise his portfolio are equities, gold and cash, bonds and real estate.
Books
Sushmita Choudhury
It's common knowledge that bull markets breed financial fraud, and with the world heading towards an upswing, scamsters are bound to get creative sooner or later.
Query Corner
If you own two houses, you can claim only one as self-occupied, while the other will be considered as let-out property.
Insight
Frequent buying and selling of stocks is counterproductive because it pushes up the brokerage cost and eats into the returns.
  • Judging a fund A good way to evaluate a mutual fund is to assess the performance of its fund manager. The tool used for this is alpha; the higher its value, the better the fund.
Editors Note
The real measure of your wealth is how much you are worth if you lose all your money.
Talk Back
The story on life insurance claims that the entry of private players had made the industry more transparent.
Smart Spending
Kamya Jaiswal
Is it worth paying extra for feature-laden appliances or extended warranties? Not always. Find out why the price may not live up to the promise.
  • What to buy and what not to In this series we review recently launched products and services to help you sort the best buys from those that do not offer value for money.
Last Word
Tour operators use cash-back offer as a lure, but in most cases the cash finds its way back to the operator.
Perspective
The MasterCard Online Shopping Survey 2009, conducted across 14 countries and covering 8,000 respondents, indicates that Indians are making more purchases on the Net compared to 2008. Also, it is no longer limited to a narrow range of products and services. Here are some India-specific highlights.
  • Regulator watch A look at the recent rulings which can affect you.
  • Banking on FDs for the short term While the RBI's previous credit policy effectively ended the teaser rate home loan schemes, the hike in the  credit reserve ratio  coupled with that in the repo and reverse repo rates has signalled that banks need to raise funds.
  • Service tax dents discount If you're getting a good discount on a new house, don't dally till July or you could lose a chunk of it.
  • No leniency for card defaulters If you had been in a celebratory mode after the National Consumer Commission's judgement, restraining banks from charging high credit card interest rates, it's time to stop.
  • The benefit of sticking with a job What is the longest period you have served with a company? Two years? Three years? Have you ever stuck around for more than five years just to avail of gratuity?
  • The future of work: R.I.P. cubicles Which is the coolest office you can think of? One with a gym on the premises, a pool at the back, a cafe? Some lucky employees are already enjoying all this and more.
  • Tall promises, high NAVs Few investors know that the dividend on a mutual fund reduces its NAV and is only a profit-booking tool.

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