Money Today Archive January 2011 Issue

Edition: January 2011

Cover Story

Money Today

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.
  • Buoyant market, bullish returns 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.
  • A roller-coaster year ahead 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.
  • Top stock 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?
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  • Tracking a positive theme 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.

  • Retail investors should go global 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.
  • 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.
  • Debt funds on solid ground 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.
  • Make the best of uncertainty The continuing crunch in liquidity is likely to result in higher interest rates on bank and corporate fixed deposits.
  • All set for new, improved cover Insurers are gearing up to bring out customer-friendly products, which ensure lower charges, higher returns and curbs on mis-selling.
  • 'New norms don't include incentives' 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.
  • Invest in a house, cautiously 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.
  • 'Teaser rates don't benefit anyone' 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.
  • 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.
Mutual Fund
Tanvi Varma/Money Today
Infrastructure funds have performed poorly since 2008, but as the macro-economic growth remains intact, they are likely to do well in the future.
Technology
Nimish Dubey
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.
Insurance
Money Today
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.
Investment
Chandralekha Mukerji
Find out how 'availability heuristic' can mar your financial judgement and the ways you can overcome it.
Real Estate
Pritam P. Hans
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.
  • Honey, I shrunk the house Affordable housing is the catchword now, but does it make sense to buy a studio or one-bedroom apartment?
Books
Ashok Jainani
Go through this entertaining primer on stock market trading, which lists useful tips and practical pointers for beginners.
Query Corner
Money Today
HDFC MD Renu Karnad
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?
Insight
Money Today
Franklin India Bluechip has outperformed its category and benchmark during four of the past five years.
  • Consumption boosts GDP Private consumption is likely to buoy GDP growth, even as the services sector continues to contribute significantly to growth.
  • Best performing stocks Consumer goods companies have fared well in the past six months, with five stocks among the top 10.
  • 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.
Editors Note
Sarbajeet K. Sen
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
Money Today
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?
Smart Spending
Sam Abraham
Here are some Web-based services that small enterprises can use to reduce their operating costs without compromising on quality.
  • Top 10 used cars Buying a second-hand car can be a good choice if you want more value for less 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.
  • 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.
Last Word
Money Today
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.
Perspective
Sarbajeet K. Sen
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.
  • Special needs Bajaj Allianz recently introduced a unique range of products under the name of 'Ability Insurance' for the specially-abled.
  • Regulator Watch A look at the recent rulings that can affect you:

December 2011

November 2011

October 2011

September 2011

August 2011

July 2011

June 2011

May 2011

April 2011

March 2011

February 2011

January 2011