I want to invest Rs 4,000 every month in two equity diversified schemes for a 5-year time horizon. I have selected DSPBR Top 100 Equity and Reliance Growth.

Large-cap funds for volatile market

Business Standard

When stock market tanked, two funds shot to the limelight&mdash;UTI Dividend Yield and Birla Sun Life Dividend Yield Plus. The funds not only managed the market turbulence better than their peers but also outperformed other diversified equity funds.

Beating the market, consistently

Take a decision based on the remaining tenure, penalty and processing charges.

Switching lenders: Does it make sense?

Govt banks have cleared only 28,000 proposals so far.

Low response to home loan scheme

A day after the Reserve Bank of India (RBI) cut its key interest rates, two public sector banks &ndash; Bank of Baroda (BoB) and Union Bank of India &ndash; cut their benchmark prime lending rates (BPLRs) by 50 basis points to 12 per cent.

BoB, Union Bank cut lending rates

A comparison of some of the interesting rates on offer.

Shopping for a loan?

Most investors look at cumulative deposits, such as bank fixed deposits (FDs) as a core part of their investment portfolio. Through this route, investors can accumulate money over time.

Simple methods of filing returns

Did you try buying a health insurance policy lately? If you haven&rsquo;t, let&rsquo;s look at how complex the process can get. To start with, there are 16 non-life insurance companies that offer health insurance products. Each has 4-6 products catering to different needs. Yes, you could narrow this list down to a few companies with a standard policy and then compare the premiums. But your job is still far from over.

Add-ons for mediclaim

I am investing in mutual funds since 2006 beginning through Systematic Investment Plan (SIP). My investment horizon is about 15 years. Before the recent stock market meltdown, the unrealised profit of my portfolio was more than 100 per cent. However, currently the loss is around 25 per cent. Though I don't need to redeem my investments, I am thinking of booking profits intermittently.

Rebalance the portfolio often in volatile markets

I am a 50-year old defence officer with two dependents. My monthly take home salary is Rs 58,000. Post-retirement, after four years, I am likely to receive about Rs 30 lakh as a lump sum and a monthly pension of Rs 25,000. Examine the financial health of my portfolio, review my mutual fund selection and suggest the necessary changes and additional investments.

Saving Rs 20 lakh in three years is difficult

In order to provide greater transparency and enable policyholders to take more informed decisions, the Insurance Regulatory and Development Authority (Irda) is asking insurance companies to disclose solvency margin, claim settlement record and loss ratio on a quarterly basis.

Irda seeks more disclosures

For the first time since the sector was opened up in 2000, the life insurance industry is expected to see a drop in premiums from the sale of new policies.

Life insurers may see drop in new business

The proposed infusion is to support the company&rsquo;s expansion plan and meet the target of Rs 500 crore premium in 2009-10, according to a company representative.

Star-Dai-ichi Life to pump in Rs 100 cr more

Soon, you may not have to worry about your lost wallet. A host of private insurance companies are taking a cue from their overseas counterparts to launch such products in India.

Coming soon: Cover for your wallet

Guaranteed NAV products sound interesting. However, there is a cap on returns and the cost is higher.

Very smart, but conservative

Depressed markets, Sebi queries, change in guidelines halt launches.

Over 180 MF schemes delayed

In a bid to know about available solvency margins and bring in more transparency in terms of corporate governance, the Insurance Regulatory and Development Authority (Irda) has asked life insurance companies to submit scrip-wise details of their investments.

Life insurers asked to disclose more

Tips for getting insurance cover and Renting bank lockers for gold.

Securing the yellow metal

With FMPs losing sheen, opt for products that provide cost inflation advantage.

Double indexation benefits

It is not just the number of credit cards in use that is falling, but even spending through this route is dropping.

Credit card use drops 8%

LIC Housing Finance (LICHF) has announced a reduction of 75 basis points in its home loan rates for existing customers across all maturities.

LICHF cuts home loan rates by 75 bps

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 943 - Personal Finance