With the busy season approaching and interest rates hardening in foreign countries, domestic loan demand is showing early signs of revival.

Bank loans pick up, credit offtake slow

Business Standard

Mumbai-based mutual fund distributor, Prakash Thakkar, is busy fielding questions from anxious clients these days.

Move your gains to equity

Investors who like to move away from a 'product-oriented' investment style are clearly seeking change. Several of them do not want to mindlessly add IPOs, NFOs and insurance products to their portfolio. They are also unwilling to use stock tips to trade or buy. They like a more structured approach to building their wealth, and are in search of trustworthy advisors who can help them. Such advisors, however, are in serious short-supply. Most are still product-pushers, and several do not conduct themselves in a manner that would inspire trust in the mind of the committed, long-term investor.

Consider current portfolio before seeking the next good product to buy 

I, 34, plan to buy a pure life cover or term insurance. I, however, feel the premium quoted by my agent is high.

Life Insurance: V Philip

During a crisis, rely on historical data to buy stocks that are expected to do well.

Avoid volatile, high PE sectors

Resist the temptation to sell investments and stay away from gold.

Decouple your investment decisions from global crisis

Even as gold prices are hitting newer heights with every passing day, jewellers are increasingly turning towards newer schemes to make it convenient for their customers to buy yellow metal even at peak prices.

More jewellers turn to save-for-gold scheme

Avoid shares as collateral, as you may need to pay for the decline in stock price in volatile market.

Fixed income safer for higher loan

Following the rate rise by the Reserve Bank of India, a lot of banks have raised their base rates. They are also expected to raise deposit rates, especially in the short term. I started a fixed deposit, about six months before, for two years.

Banking: Prashant Joshi

A falling stock market, like the one being witnessed, challenges the patience and resolve of even the most seasoned investors. Needless to say, a situation like this becomes even more challenging for new as well as not-so-experienced investors.

Mistakes to avoid in a falling market

Don&rsquo;t buy into it; instead realign, exit dud stocks and schemes, or stay put.

Just a sucker's rally

A debit card with a credit limit works like an overdraft facility. Use it only for small expenses.

Use the 'magic' sparingly

A regulator&rsquo;s prime responsibility is to come up with guidelines that will ensure an orderly development of the market and that risks associated with the industry do not become systemic risks.

MF industry not over-regulated

During this time of the year, taxpayers find themselves flooded with mails and SMSes goading them to invest in Section 80C instruments. Both insurance companies and mutual funds pitch their life/medical policies or equity-linked saving schemes (ELSS).

Tax saving along with reasonable returns

PNB, Allahabad Bank, PSB raise base rate 50 bps.

Loans get dearer, deposits will fetch more too

I am planning to buy a term insurance from a private company.

Fending off financial queries from children can be difficult. Some answers...

Question hour for parents

View promise to close your credit account for a smaller amount with caution.

An unsettling settlement

But SBI says no immediate increase likely.

HDFC raises home loan rates; others may follow

There are quite a few routes to invest in mutual funds. A comparison...

Cost-effective versus convenient

A motor insurance policy covers the liability of a policyholder, which he/she may become legally liable to pay on account of bodily injuries by a third party in an accident involving the insured vehicle. This provision is under the Motor Vehicles Act, 1988. The insured should notify the accident to both the local police and the insurance company. Copies of the relevant documents, such as the first information report, driving licence and the claim registration form must be submitted to the insurer within a reasonable time.

General Insurance: Gaurav Garg

Personal Finance: Read about the smart strategies for Personal Finance Planning, Investing, Insurance, banking, budgeting, loans Tax Planning, retirement and insurance. Browse Business Standard to learn more on Personal Finance.

Personal Finance: Investing, Planning, Retirement, Loans, & Insurance | Business Standard

Read about the smart strategies for Personal Finance Planning, Investing, Insurance, banking, budgeting, loans Tax Planning, retirement and insurance. Browse Business Standard to learn more on Personal Finance.

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