Money Today Archive May 2011 Issue

Edition: May 2011

Cover Story

Pritam P Hans

Handing Over Your Wealth Baton

How to write a will

How early planning facilitates smooth transfer of your legacy.
  • Looking Beyond The Family Due to lack of social security, a large number of Indians face the dilemma of having to hand down their wealth to their heirs even if they may be inclined towards philanthropy.
  • Passing on your Best Ideas If your most valuable assets have been your ideas, ensure that you claim them legally to avoid succession issues.
Mutual Fund
Harshendu Bindal
Franklin Templeton Investments President Harshendu Bindal
Investors are willing to lock-in their investments for a longer period in goal-based products such as pension funds.
  • Mutual Funds recover from losses Despite a swinging Sensex, the MONEY TODAY-Value Research Lifestage Portfolios have earned healthy returns and are recovering from the past losses.
Technology
Harpreet Singh
Banditry on the Internet
As in real life, there is money in online data. Be warned, everything from your bank to your Facebook account is a target on the information highway.
  • Password Impasse An anti-fraud measure has online merchants fuming over a decrease in mobile payments and customers greatly inconvenienced.
Insurance
Chandralekha Mukherji
People work hard, save meticulously and plan carefully to buy a home, but what most of them forget or ignore is to insure it. Make sure you do not make this mistake and your home is well-protected.
Investment
Chandralekha Mukerji and Rahul Oberoi
‘Post’ing Profits
Hobbies can turn into serious business. In the first article of a series on alternative investments, we look at philately.
Insight
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 five best deals each on offer from public and private sector lenders.
  • Top Ranked Funds Large-cap equity funds outperform mid-cap funds in average returns over long term even as infrastructure funds continue to generate negative returns in short term.
  • We analyse best performing stocks Kwality Dairy proved to be one of the top grosser in the last five years with annual return of 163%.
  • MF of the month: Tata Pure Equity Fund Tata Pure Equity Mutual Fund has outperformed its benchmark index and category in three of the past four years.
Editors Note
Sarbajeet K Sen/Money Today
For most Indians, the wealth that is created during their lifetime, or inherited from previous generations, is only meant to be passed on to their heirs after death.
Commodities
Rahul Oberoi/Money Today
Gearing towards a Strong Base
Like precious metals, base metals too can give good returns to investors if the timing is right.
  • Should you buy gold or silver? Silver is typically more volatile than gold. During crisis years, such as 2008, gold outperformed silver. However, during recovery periods silver tends to outperform gold as industrial demand pick up and investments pour in.
  • 'Study commodity cycles before investing' R. Ramaseshan, MD & CEO, NCDEX, talks to Rahul Oberoi about commodities trading in India and what investors can expect from the Indian markets.
Talk Back
The cover story (Who Will Blink First, April 2011) justifiably says that equities, as an asset class, provide the highest returns compared with other investments, writes Antony Dias from Goa.
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.
  • For A Lettered Future A survey conducted by IMRB for Aviva throws up insights into the concerns and aspirations of young parents regarding their child's education.
Last Word
Jan Lokpal Will
The proposed Jan Lokpal Bill seems to be the first step towards ensuring that future generations inherit a cleaner country that provides greater opportunities for wealth creation and a better life.
Perspective
RBI has asked non-banking financial companies to strictly adhere to KYC norms and monitor transactions of their customers to ensure they are not being used as money mules.
  • Sachin insured for Rs 44 cr in IPL 4 No records are beyond the reach of Little Master Sachin Tendulkar, who became the most highly insured cricketer in the fourth edition of the Indian Premier League.
  • Banks to track inactive accounts The central bank has decided to take this step as commercial banks have around 10 million inoperative accounts with unclaimed deposit of around Rs 1,700 crore.
  • Sharing & Caring... If you thought rebating of commission, or mutual fund agents sharing part of the commission with clients, has come to an end after the entry load ban, you were wrong.
  • On a Strong Foundation Real estate developers will now have to mention carpet area along with super built-up area in their brochures and sale agreement.
  • Inflation plays spoilsport again Contradicting all the projection of the central bank and government, headline inflation in March shot up to 8.98% as against February 8.31%.
  • Now get alerts for all card payments The Reserve Bank of India has asked banks to put in place a system for providing online alerts for all card transactions irrespective of the amount.
  • Now, pay more for auto cover Irda has hiked third party motor insurance premium by 10-65% across private and commercial vehicles with effect from April 25. The review oof rates will now be done annually.
  • Trivia and Telling Figures 826 million was the number of telephone subscribers in India at the end of February 2011, a growth 2.5% over the previous month's figure of 806.13 million in January 2011.
  • Quotes Before buying oil stocks investors should check global demand, inventory levels, geo-political issues, crude prices and gross refining margins of the companies, says Kotak Securities' Dipen Shah.
  • Now buy policies on phone The insurance regulator Irda's new guidelines on telemarketing allow you to purchase life insurance policies without filling any form or signing any document.

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