Money Today Archive December 2011 Issue

Edition: December 2011

Cover Story

Chandralekha Mukerji

The Right Balance

How to rebalance Ulip portfolio with fall in interest rates

With interest rates expected to fall, long-term debt funds have started buying debt papers with long tenures to gain from high yields. So, is it time to change your unit-linked insurance plan portfolio and use the free-switch option available with the plan to increase exposure to debt?
Mutual Fund
Fund Manager CIO Rajat Jain
Principal Large Cap Mutual Fund has outperformed its category four times in past five years.
Technology
Pritam P Hans
Develop your Online Estate
As the Internet becomes important in our life, it is time for you, too, to set up a website.
  • Office in the Cloud Google (Docs) v/s Microsoft (Office 365): How do the two popular online office productivity suites fare when pitted against one another, feature for feature?
Stocks
Best Performing Stocks
Rajesh Exports is among the top gainers in the last six months with return of over 60 per cent.
Banking
Best Loan Buys
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.
Query Corner
Query Corner
I have considerable investments in mutual funds and equities. Now I wish to liquidate some of them. I also have a second house that provides me an income of Rs 5,000 every month. Do I sell part of my equity investment and take a loan or sell my house?
Editors Note
The government's decision to accept all the major recommendations of the Shyamala Gopinath committee that reviewed the National Small Savings Fund (NSSF) will bring in major changes in the country's canvas of fixed-income securities.
Talk Back
Letter to the Editor
"The cover story (Filled with Hope, November 2011) paints an optimistic picture of the future of the Indian stock market. While it is true that that a predominant bearish sentiment is the best time to take a position in good stocks, I'm unable to understand whether the present slide has ended."
Smart Spending
Sam Abraham
The Hot & the not so Happening
Sam Abraham introduces new products and services to help you zero in on those that offer value for money.
  • Protect your Child Child safety seats are easily available in the market but which is the right one for your child?
Perspective
Pritam P Hans
Supreme Court has ruled in a verdict delivered on 8 November, 2011, that if a company goes bust, its employees will have the first claim on it assets for their employee provident fund dues.
  • Regulator Watch A look at recent rulings in the banking, telecom and capital market which can affect you.
  • Rupee falls 13% in three months In the last 3 months alone, the rupee has depreciated by 13 per cent, falling from the level of Rs 45 in August 2011 to Rs 51 as of 16 November 2011.
  • Freedom for Borrowers The National Housing Bank (NHB) has directed housing finance companies (HFCs) to stop levying charges on repayment of all floating home loans ahead of scheduled tenure,
  • Women use debit cards lesser than men The central bank had commissioned the survey to assess customer satisfaction in the usage of automated teller machines (ATMs) across the country.
  • Trivia and Telling Figures 2.15 per cent is the growth in overall employment in India during April-June 2011, compared with 1.62 per cent a year ago, according to the labour ministry data.
  • Cheques now valid for just 3 months From 1 April 2012, cheques, drafts, pay orders and banker's cheques will be valid for only three months. Currently, these instruments are valid for six months from the date of issue.

  • Realty deals become transparent The real estate sector has become slightly more transparent with new disclosure norms for mortgaged commercial properties.
  • Inner Voices "If a person has idle cash in savings account, he should invest in liquid funds where there is relatively lower interest rate risk," says Lakshmi Iyer, Head (Fixed Income), Kotak Mutual Fund.
  • Pension schemes get user-friendly From 1 December 2011, you can expect pension plans to be more transparent and user-friendly, while providing a guaranteed return on your capital.

December 2011

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