Investing: Hemant Rustagi

Business Standard

Gauge your financial strength and the borrower&rsquo;s before sticking your neck out.

Guaranteed trouble, sometimes

Your analysis of a company's financial results should be based on the right parameters as it leads to making or losing money.

Perfecting the perspective

Record shows very few are unique or fit your aims.

NFOs: not the best way to invest

A bar reversal pattern is a good tool to predict when and where a trend will double back.

Tracking a trend reversal

Launched in 1999, the fund has looked average during market run-ups, but an impressive performance during downturns has translated into a competitive long-term track record.

Saves. Earns as well

I am a 45-year-old banker. I had been investing in six equity schemes (growth options) through monthly systematic investment plans (SIPs) for the past three years. The approximate investment was Rs 2.38 lakh. Yesterday, I redeemed all my units, as I was quite happy with the approximate annualised returns, of between 15-20 per cent, and also as I felt the market was running at a brisker pace than warranted. The approximate maturity proceeds will be Rs 3.45 lakh.

Sound investment ideas

Sebi&rsquo;s proposal of a restricted power of attorney will reduce misuse of broking accounts.

Rescuing investors from a growing problem

With the economy and stock market beginning to show signs of recovery, things have turned for the better for employees. Many companies, who had either slashed jobs or salaries, are beginning to recruit and reinstate salaries. In fact, some have even announced bonuses.

Have a windfall, use it wisely

I am a 40-year-old spinster. I tried applying for a loan with my sister, who is 37-year-old and also a spinster. We both are salaried and want to buy a house. Our loan application was rejected by two banks. I am unable to understand why this happened. None of us have any loan defaults.

Loans: Manju Srivatsa

The country&rsquo;s largest lender, State Bank of India (SBI), today said it has no plans to revise its most popular home loan scheme which charges 8 per cent interest for the first year.

8% home loan scheme to stay: SBI

The bank extends 8% home loan scheme till March.

SBI deposit rates cut 25-50 bps

Issuers allow you to convert your credit card purchases to EMIs, but it comes with strings attached.

Reduce interest, pay EMIs

On saturday, gold prices hit yet another high.

Blinded by lustre?

For investors and traders, who want to do technical analysis, there are a number of software packages for intra-day charting and end-of-day (EOD) software.

Choosing the right technique

Piyush Bhurangi, 26, a software engineer in Noida, UP, is getting married in November and wishes to have a long-term investment plan to suit a larger family. He invests Rs 1,000 each month in mutual funds via systematic investment plans (SIPs). Currently, on a take-home salary of Rs 25,000 a month, his expenses add up to about Rs 10,000, apart from investments. He has a term insurance plan of Rs 25 lakh, with additional death benefits (ADB), taken in September 2009. All his investments are tilted towards equities. While that wasn't a big problem as he is young, yet diversification is crucially necessary, as he is the only bread-earning member of his family right now.

Start young, start well

Even if they are a small part of your portfolio, these funds can help reap rich returns.

Indulge in sector funds, cautiously

I was deputed to a joint venture (JV) by my parent company. It was the practice at the parent company that medical expenses of employees were directly reimbursed by the employer. But in the JV company, they took a group mediclaim policy instead of reimbursement of medical expenses. After the completion of my stint with the JV, the parent company called me back. I am still in service. I had to undergo treatment immediately after I left the JV company.

Insurance: Kamesh Goyal

Non-life insurers earlier offered discounts as high as 97 per cent in some cases.

Fire & engg policies dearer by 25%

How to read the signal that your mid-cap or arbirage fund is likely to stop fresh inflows.

When opportunities don't present themselves

You can purchase property Directly or go for Sect0ral stock picks and PMS.

Real estate's many layers

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.

Page 928 - Personal Finance