Page 659 - Personal Finance

Understanding numbers in claim settlement

While LIC has a better settlement ratio than that of private players, it is not the only parameter to go by

Dividend paying stocks are good in volatile markets

While capital appreciation is better, paying regular dividend indicates that the company is making profits and is rewarding investors

Retail investments to shrink as new IPO system comes into play

Camshafts IPO, open since Wednesday, will be first to list in just six days after closing

Rising market for pollution insurance

Time for some duration play

With interest rates expected to head south, duration funds are a good option for debt investors

Putting infra back on a firm footing

This should be one of the thrust areas in the Budget

Don't bet on value funds in a rising market

In a growth market, these funds should not form more than 10-15% of your portfolio. Invest with a horizon of at least 5 years

Traditional child plans aren't best choice

The income option for death payout is useful but one should seek lower cover so that more amount can be invested

Corporate FDs give better returns than bank deposits...

...But don't go below AA+ papers; opt for longer tenures to avoid re-investment risk

See correction as an opportunity

Buying during bad times can lead to good returns in future. Remember other bear cycles and keep investing

Budget 2016: 'Govt studying Shome's tax reform proposals'

FM Arun Jaitley hints Centre will also look into Easwar panel proposals on TDS

Buy good stocks, not sectors

Large-cap scrips are still trading at a discount to mid-caps. While this gap is expected to narrow, investors should take a stock-specific approach in the current market

Case study

Direct plans a better choice

While KYC checks could be cumbersome, there are platforms offering single KYC and online investment in direct mutual fund plans

Debt counselling: Sanjay Agarwal

Low price points, good connectivity

Hotspot: Manesar, Haryana

Have retail investors turned wiser?

They have realised the folly of trying to get rich quick by investing in stocks directly. Now, they are investing in mutual funds via the SIP route

Wallet frauds on the rise

This can happen due to a malicious app, a weak password or loopholes in the system

Rate cuts in March-April?

Investors would remain cautious in the current environment, even if these do happen

Benefit from multi-cap funds

In a year when bottom-up stock picking is likely to be the key to success, investors should consider them