December 01, 2011 04:15 PM IST
The interest rates that can be offered on these bonds cannot be more than the yields prevailing on the relevant Govt. securities at the time of issue. As the market interest rates have increased in the last few months, the present issues are offering about 0.25-0.5% more returns than the issues in the recent past.
- December 01, 2011 04:00 PM IST
The current edition of the 'Economy & Realty@Glance' from Knight Frank India reveals a detailed performance analysis of Mumbai's residential market. Check out the the key highlights of the report.
- December 01, 2011 03:31 PM IST
The article idea triggered from one of the few simple queries, how many properties a person can own? On the face of it answer is even simpler, as many as you want.
- December 01, 2011 03:14 PM IST
As readers are already aware that there are two types of NPS accounts ï¿½ Tier I & II. Tier I account is mandatory whereas Tier II account is optional. Thus only Tier I account is eligible for tax benefits and is in true sense the core of the National Pension System.
- December 01, 2011 03:02 PM IST
Now when the cost of education is only moving upwards, it is constantly worrying those parents who want their children to pursue higher education. To finance the high priced higher education is a matter of concern for all such parents.
- November 30, 2011 01:24 PM IST
There are advertisements these days for FDs, advertising 12-13% returns. But these are misleading as they just calculate the yield for the tenure of the investment and divide it by the tenure.
- November 29, 2011 12:36 PM IST
The earliest records of life insurance come from ancient Rome, where burial clubs pooled money among the poor to pay for members' funerals.
- November 29, 2011 10:04 AM IST
All is going to change for the senior citizens once the Provisions of Direct Tax Code come into operation w.e.f. 1st April 2012. The provisions in the Direct Tax code are quite unfair to senior citizens; here's how.
- November 28, 2011 05:47 PM IST
Your investment style is an extension of your own personality. A calmer demeanour would most probably have a conservative approach to investing and would choose safer deposits over riskier returns. Their approach would be in stark contrast to the route adopted by the hyper lot who take risks hoping it results in higher returns.
- November 28, 2011 03:38 PM IST
We all know very well that every year we have to save Rs. 1 lakh to claim tax benefits u/s 80-C of the Income tax, but still we wait till end and end up buying wrong product. However, it is not at all advisable to wait till end and end up buying unwanted product in your portfolio.
- November 28, 2011 12:27 PM IST
Most investors do not read between the lines regarding how rupee fluctuation impacts their investments. Moreover, the exchange rate phenomenon seems esoteric for most of the common investors.
- November 26, 2011 02:36 PM IST
Currently, Infrastructure Development Finance Company (IDFC) and L&T Infrastructure Finance, both engaged into infra lending business, are running two retail issues offering 9% rate of interest per annum. Should you invest?
- November 26, 2011 11:40 AM IST
US Presidential nominate, Herman Cain, had come up with a program titled '9-9-9' aimed at reforming the US tax system.
- November 25, 2011 02:48 PM IST
There have been many developments in the recent past that are likely to impact our personal finances. It would be prudent to be aware of these and make appropriate changes, if required.
- November 24, 2011 01:39 PM IST
Much has been spoken and written about whether Mutual Funds or ULIPs are a better option for you to put your money in. However, my question would be – did the war even exist, since both of these financial instruments are meant for very different needs.
- November 24, 2011 01:30 PM IST
Much has been spoken and written about whether the new ULIP guidelines have significantly improved the product. The regulatory agenda is evolutionary in nature, aimed at improving the products and services offered to consumers while keeping in view the changes in environment and consumer behaviour.
- November 24, 2011 09:44 AM IST
Is there anything wrong with short term trading? Absolutely not, but investors should know the rules of the game before they trade short term. Apart from knowing the rules, investors should also understand that short term trading mostly relies on luck and on study, which at best can be termed speculative.
- November 23, 2011 10:50 AM IST
As expected the recent deregulation of saving interest rates by Reserve Bank of India (RBI) has banks vying with each other to raise saving rates to become the favourite with account holders.
- November 22, 2011 06:59 PM IST
Last week, on a road trip from Bangalore to Pondicherry, I wondered why investors do not plan the same way as holiday-makers. After all, they are the same individual. We normally think about where we wish to reach, and at what time.
- November 22, 2011 10:36 AM IST
Health insurance has become portable and you are now free to move to another provider and carry along all the credits gained for having been loyal.
- November 21, 2011 11:24 AM IST
The parents of this generation are more aware of the financial implication of providing world class education to their children. Often, parents’ dream of sending their children abroad for their Graduation / post graduation; the quality of education and consequent prospects of superior employment opportunities being the prime drivers.
- November 16, 2011 06:31 PM IST
The investible potential of ‘Gold’ as an asset class has been a function of jewelry & industrial demand, inflation outlook, strength of the dominant currency, geo-political stability and the gold supply variable.
- November 16, 2011 05:00 PM IST
The Indian insurance sector saw a proliferation of customer-centric insurance products after it was thrown open to the private sector in 2000.
- November 16, 2011 11:53 AM IST
Calculate your insurance requirement- the sum assured that you should be insured for so that your dependants can meet their financial commitments with as much ease as earlier. Insure yourself to live peacefully and stress free; and when you are free of stress, you do live longer.
- November 15, 2011 09:34 PM IST
Small savings schemes used to be a major attraction, with investors. But, small savings schemes returns used to be static.