In a depressed market, investors look for hope from different ratios to identify stocks with a good potential. A look at one such number - the price to earnings ratio.

Not expensive, yet profitable

Business Standard

Converting credit card outstandings to a personal loan reduces the interest burden. But one needs to select the right tenure.

Loan swapping

Recently, when I suggested a Ulip as an alternative to a term plan for life insurance, my client almost chocked with disbelief.

More than lip service, finally

I want to purchase mutual fund units in my child's name. My child is only few months old and does not have any bank account.

Insurance cover on SIPs stops at 55

Everything that goes up comes down. And if you want proof of this, you need look no further than the Sensex. After December 2007, it keeps inching up only to fall flat once again.

Safety in arbitrage

Moneylenders could take lessons from banks on how to charge interest rates.

Banks raise credit card finance charges up to 50%

Press Trust of India

The mutual fund industry has proposed that the market regulator allow them to offer insurance cover to investors along with their regular schemes.

Allow MFs to offer risk cover: AMFI

Contrarian funds, which take an opposite view of the market, have performed in line with equity diversified funds.

Contrarian? Not so much

Private life insurance companies Bajaj Allianz and Kotak Life Insurance have reduced premium rates for term insurance policies by 10 - 40 per cent.

Private insurers slash term cover premia by 10-40%

Insurance Regulatory and Development Authority (Irda) has fixed the limits on payment of commission and brokerage in the general insurance business, to be made effective from October 1.
The Irda

Irda fixes limits on commission

Life insurance companies have sought the intervention of the Insurance Regulatory and Development Authority (Irda) to prevent mutual funds from seeking the Securities and Exchange Board of

Licence must for MFs to sell insurance plan: Irda

Is the DSPML World Gold Fund an equity fund or a debt fund? At some places it is classified as an equity specialty fund, but I am told that for tax calculations it is considered as a debt fund.

Equity funds, investing overseas, are classified as debt funds

I am 58 years old and have opted for pre-mature retirement from the armed forces. Currently, I am working in a software company. My salary and pension are enough to provide for my monthly expenses.

A retirement corpus requires balanced investment

Balance transfer gives you an opportunity to reduce the card burden. However, use this method judiciously.

Outstanding offers

The price-earnings to growth ratio is a good indicator to judge a company's future potential.

Growth parameter

Losses on various financial transactions can be set off against gains, which leads to reduction in tax liability.

Lose to gain

Say higher EMI may not mean more defaults; four more public sector banks increase lending, deposit rates.

ICICI, HDFC increase rates

The Reserve Bank of India's monetary tightening measures is forcing banks to raise the interest rates for a second time.

HDFC Bank increases interest rates again

A sharp fall in the equity market and tight liquidity condition have taken their toll on the the mutual fund industry's average assets under management (AUMs), with the top-five funds losing about Rs 14,800 crore in June.

Funds, Ulips feel the heat

Volatility in stock markets is taking a toll on the sales of unit-linked insurance plans (Ulips) that account for over 80 per cent of the industry's total sales.

Investors stay away from unit-linked insurance plans

With rising interest rates and inflation taking a toll on home loan customers, banks are beginning to encourage them to partly prepay their loans.

Banks encourage prepayment on home loans, waive penalty

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 958 - Personal Finance