Money Today Archive March 2012 Issue

Edition: March 2012

Cover Story

Dipak Mondal/Money Today

Sleight of Hand

Are investment schemes offering high returns safe?

Stock market scams involving the likes of Harshad Mehta and Ketan Parekh in the past explain investors' disillusionment with the stock market. We take a look at the most recent investment frauds and give a low-down on the modus operandi of the perpetrators.
Tax
Pritam P Hans
Never Too Late
Investment tips - Even at the end of the financial year, choosing the appropriate tax-saving instruments can ease your burden.
Technology
Pritam P Hans
Earning Net Profit
People fail to realise the huge opportunity in the virtual world where websites - priced at 8-10 times the monthly income they generate - are undervalued compared with other investments.
Stocks
Best Performing Stocks
Tata Motors is among the top gainers in the last six months with return of over 60 per cent.
  • Invest in small-, mid-cap stocks The worst seems over for stocks of small-cap and mid-cap companies, which had to bear most of the brunt of the market slowdown last year. It may be the right time to invest.
Insurance
Amarnath Ananthanarayanan, MD & CEO, Bharti AXA
Amarnath Ananthanarayanan, MD & CEO, Bharti AXA, talks to Chandralekha Mukerji about the most recent changes in the insurance sector and their impact.
Banking
Stick to a Plan
We tend to invest in peaking markets, losing out on market gains in the process. The wise thing to do would be to follow an investment plan.
  • How to reduce your home loan burden A number of banks and HFCs reduce the interest rate on floating rate loans for a fee. There is also the option of shifting the loan account to a lender offering a lower rate.
  • Best banks to take loan from 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
Money Today readers write in with their financial queries to have the magazine's experts help them out with sound advice.
Editors Note
Be careful with the spare cash that you are looking to invest. Dubious schemes are being floated by scammers to entice investors with promises of astronomical returns.
Commodities
Rahul Oberoi/Money Today
Prepare for a Mixed Harvest
While global trends may be reflected in some commodities, experts feel domestic prices of some commodities may move in a different direction.
Talk Back
The cover package on the rupee movement (The Rupee Impact, February 2012) and its impact on individual finances was very illuminating, writes Jyoti Jairam from Allahabad.
Perspective
Freedom from Wrong Insurance Policies
The insurance regulator has floated a draft proposal suggesting that 'insurance need analysis' of customers by intermediaries and insurers be made mandatory before sale of insurance policies.
  • Small investors to gain from share buyback Markets regulator Sebi has made it mandatory to reserve 15 per cent of the offer for retail investors with holdings up to Rs 2 lakh in the company.
  • Save more if applying for home loan RBI has asked banks to exclude stamp duty, registration and other documentation charges from the total value of the home for calculating the maximum amount of loan that can be disbursed for property.
  • No more prepayment of policy premium? The Insurance Regulatory and Development Authority wants to curb mis-selling by agents and brokers who ask people to make advance payments to avail of discounts on premiums.
  • India tops list of gold demand in 2011 Though India remains the biggest consumer of gold, the demand for the precious metal declined in 2011 from 1,006.3 tonnes in 2010.
  • Rupee expected to gain in the long term: Experts There are several factors that will determine the rupee's movement from here on. High inflation, deficit concerns and India's high import bill could have a bearing on the currency.
  • Banks set to refund unclaimed deposits The Reserve Bank of India has asked banks to locate and refund unclaimed deposits estimated at over Rs 1,700 crore to customers or their legal heirs.
  • Non-bank entities can now set up ATMs With the Reserve Bank of India allowing non-bank entities to own and operate ATM networks, bank account holders in rural and semi-urban areas may find it easy to withdraw money.
  • Inner Voices Personal Finance experts on latest trends in the sector.
  • Trivia and Telling Figures No.1 The Multi Commodity Exchange is set to become the first publicly-traded exchange in India. It is also the first public share sale of 2012.
  • Regulator Watch A look at recent rulings from banking, stock market, commodites and insurance sectors which can affect you.

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