Avoid herd mentality:Do not rush only because you are being told that others are doing so.

Analyse the deal first

Business Standard

If banks offer a higher loan-to-value ratio, reverse mortgage will become more attractive.

Income solution for sunset years

As producers rush to insure their films from delays in launch due to unforeseen circumstances such as a strike or a natural calamity, insurers are offering covers at lower rates.

Insurers cut rates as film makers rush for cover

Farm loan disbursements for the kharif season have fallen 30 per cent due to drought in a majority of the states.

Kharif loan disbursements down 30 per cent

The Securities and Exchange Board of India (Sebi) has issued a code of conduct for intermediaries, including disbributors, of mutual funds.

Sebi brings new code for MF distributors

Relieved at repaying your credit card dues? Hold on, for you still might still get a mail or a letter from the bank in the next few days saying that your credit limit has been slashed.

Credit limit slashed? Here's why

Fixed maturity plans (FMPs) are back. In the last few weeks, quite a few fund houses have applied to the Securities and Exchange Board of India (Sebi) for launching these products.

FMPs are back: Should you invest?

Banks told to assess the exposure of the whole group to the sector while lending.

RBI cautions banks on realty exposure

For some tax-saving instruments, earnings are treated as new investment.

Knowing your earnings&#39; benefits

You can have an everlasting wait for corrections but that isn't sensible.

Don&#39;t just be a spectator

Japanese have used it to spot movements on a trend.

Another useful trend indicator

Traditionally, women have been home makers. The scenario has changed drastically in recent times. In tandem, insurance for women has changed too. In India, in the early years of the insurance industry, the trend was to insure only male lives. The logic was the bread winner was the male and it was against his lost income that cover was required. A major additional disincentive was the extra risk to female lives that was an inevitable part of the childbirth process.

There are products tailored for specific needs of women

The fund has evolved from a brash and indisciplined offering to a well diversified player, with excellent downside protection abilities and decent returns.

Betting on indiscipline

My broker has advised me to invest a lumpsum amount in a Monthly Income Plan (MIP).

Invest in MIPs for 3-4 years

Punjab National Bank (PNB), the country&rsquo;s third largest lender, is resurrecting its insurance plans.

PNB revives life insurance plans

Citi, StanChart already follow this practice, SBI Cards differs.

ICICI to block all cards in case of default on one

After paring their mutual fund investments in the previous fortnight to meet quarter-end capital requirements, banks pumped in Rs 40,526 crore in these instruments during the fortnight ended July 17, 2009.
According to the latest data by the Reserve Bank of India (RBI), banks&rsquo; investment in mutual funds stood at
Rs 1,29,998 crore at the end of July 17, 2009. They had withdrawn Rs 33,075 crore during the earlier fortnight ended July 3.
Generally, banks lower investments in liquid funds

Banks invest Rs 40,526 cr in MFs in last fortnight

Use them for spotting major support or resistance levels.

Magic of Fibonacci numbers

Is it better to invest short-term money in an arbitrage fund instead of liquid funds? The returns from the former, being equity-oriented, are tax-free after a year, while those of a liquid fund, which is a debt fund, would be taxable. More, in a falling interest rate scenario, liquid funds are not expected to return 8 to 9 per cent as earlier. On the other hand, arbitrage funds can comfortably return 7 per cent. Suggest some good arbitrage funds.

High assets reduce arbitrage funds' returns

While the government is offering subsidy and builders are constructing affordable houses, one should still wait.

Not enough incentives

Still comparatively new, but the funds do broaden choice.

Indian money on a global tour

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 932 - Personal Finance