Money Today Archive November 2012 Issue

Edition: November 2012

Cover Story

Tanvi Varma & Sowmya Kamath

Getting set for another run

It's best time to invest in aggressive sectors

The reforms euphoria and the joy of seeing sudden resuscitation of a government that had gone into an extended policy coma gave a 10% boost to the BSE Sensex in a month. Is it time to tweak your investment strategy? Yes, say experts.
  • 'Core inflation should start easing soon' Navneet Munot, Chief Investment Officer, SBI Mutual Fund, says gold should be a part of your portfolio.
  • 'Rate cut will be booster for stock market' Abhay Laijawala, Head of Research, Deutsche Equities India, says he is bullish on the real estate space.
  • 'Market will remain high, but not a runaway' Elara Capital MD Harendra Kumar, while betting on stocks like Dabur, Ultratech and Infosys, says a rate cut is expected from the Reserve Bank of India in its next monetary policy review on December 18.
  • 'The market will not give up its gains easily' Rakesh Jhunjhunwala who is perhaps the most tracked Indian equity investor says he is most bullish on retail, pharma and banking stocks.
  • Caution: Markets eyeing nod to reforms A few minutes in the wrong market can ruin a profitable investment corpus.  It is important to maintain caution in the current market as it is still dependent on reforms coming through. Exercise caution with optimism while FEAR (the) BEAR factors play out.
  • FDI drive: Best stocks for good returns The government allowed 51 per cent foreign direct investment in multi-brand retail and 100 per cent in single-brand retail. This led to a rally in stocks of retail companies. Here's how reforms will impact stocks in other sectors where measures have been announced.
  • Reforms will help better business climate Winds of reforms are in the air. The change in the policy direction has provided a welcome relief to the market.
  • Tips to invest in PSU share sale Investing in government companies is often considered safe. However, investor experience has not been uniform in the past. For instance, the Coal India initial public offer was hugely profitable for retail investors, while investors in NMDC's follow-on offer lost money.
  • Crude price rise may hurt defensives Crude prices have had a strong relationship with global economic activity since 2000. When activity improves, crude prices rise. However, it can be disrupted by event risks or economic distortions.
Mutual Fund
Returns from banking funds go up
Banking stocks have seen a sharp jump in the past one month with average one-year return from banking funds going up from 7.36 per cent to 18.16 per cent.
Tax
Pritam P Hans
Ensuring a Softer Grip
While real estate can give good returns, it can also mean a hefty tax outgo. Irrespective of how the property has been acquired, the taxman looks at each and every real estate transaction.
Technology
Nidhi Singal
10 things your smartphone can replace
Accelerated development of smartphone hardware has made dents across industries, prompting manufacturers of cameras, radios, music players, navigators and even computers to innovate to stay relevant.
Stocks
Sowmya Kamath
While big technology companies such as Infosys and Wipro give earnings guidance, some like Larsen & Toubro give revenue estimates. Some auto companies guide for sales while pharmaceutical companies give guidance on revenue growth. Banks provide estimates of credit growth.
Insurance
Shutting Down Paper Work
Tough competition among insurers has resulted in improved services and you don't even have to be physically present at their offices anymore. Auto Bild lists ten websites and the services they offer online.
Investment
Chandralekha Mukerji
Double Agent
A financial plan is only as good as the adviser who draws it up. So ensure your financial security is his only motivation.
Banking
Chandralekha Mukerji
Shedding Load
While taking an education loan is easy, paying back requires careful planning. Student borrowers get many relaxations which can be used to make the repayment smoother.
  • 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 experts answer your queries related to the personal finance sector -
Editors Note
Money Today Editor-in-chief Aroon Purie
This issue of MONEY TODAY marks the completion of six years of our relationship as your preferred source of honest and unbiased advice on managing your money, writes Editor-in-chief Aroon Purie.
Savings
Dipak Mondal/Money Today
For Hard Times
Build a fund that can be used in times of emergencies such as job loss and unexpected medical situations. While building an emergency fund, the two important things to be kept in mind are the amount required and the investment options.
Commodities
Rahul Oberoi/Money Today
Proving their Mettle
The industrial metal pack - lead, tin, zinc, nickel, copper, aluminium and iron ore - which trade on the Multi Commodity Exchange, returned 11 per cent between August 16 and September 22, as against a negative 4 per cent return this year till August 14.
Talk Back
Money Today readers give their feedback on the magazine's coverage -
Smart Spending
Samsung Galaxy Note II
Sam Abraham introduces new products and services to help you zero in on those that offer value for money
Perspective
Economic weather takes a toll on households
Rough economic weather has taken a toll on the wealth of households across the globe, including India. Between mid-2011 and mid-2012, the wealth of Indian households has gone down by $700 billion (around Rs 35 lakh crore).

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