MIPs are hybrid investment avenues that invest a minor portion of their portfolio (around 15 per cent-25 per cent) in equities and the balance in debt and money market instruments (i.e. bonds, certificates etc). MIPs provide a monthly income to investors, but the periodicity depends upon the option you choose. These are generally monthly, quarterly,… Read More »
Commodities can be traded on either spot markets, or in the form of futures. Spot markets are those in which the commodity is traded immediately in exchange for cash or some other good. Futures are standardized contracts among buyers and sellers of commodities that specify the amount of a commodity, grade / quality and delivery… Read More »
State Bank Freedom- the mobile banking service of SBI is now available on both non- Java as well as non- GPRS phones. Till date, the service was restricted just to Java-enabled mobiles over SMS/GPRS/WAP and non-Java phones having GPRS connections.
Most investors tend to think that an ETF is the same as an index fund. While an index fund also mirrors returns of a particular index, ETFs have an edge over index funds because of the benefits it provides.
CPP Card Protection is India’s first 24-hour Card Protection service for use in the event of card loss, theft and related fraud. One free call to CPP ensures your cards are cancelled immediately; they also provide emergency travel and hotel assistance. You can now protect all your important cards & valuable documents including all your… Read More »
It is a cycle. When there is a boom, there is always a crash around the corner. Real estate prices became sky scrapers by themselves and the inevitable, a stabilization and correction of prices was bound to follow. People whose lives have seen more than one recession have come to terms with it and have… Read More »
Once you develop an investment plan you have got to stick to it. Asset classes, especially equities can move wildly based on political, global and other news. Having discipline while investing will benefit. It also means staying away from a potential investment when the risk / reward are unfavorable. It is the deciding factor between… Read More »
EPF and PPF are cases of classic asset class mismatch – they are savings tools which are implemented for the long term. So technically they are not ideal investment avenues. However as a salaried person, one does not have an option not to invest in EPF. One could make withdrawals for suitable alternative investments if… Read More »
Blue chip stocks are stocks of companies which are well-established companies and have stable earnings and no extensive liabilities. They can be income or growth stocks. They have a track record of paying regular dividends. They are relative safe and stability.
It is always important for you to understand your goals as well as your risk appetite. Don’t be taken in by the high returns offered by equities or gold if your goal is short term (within 2-3 years of investment), or if you cannot withstand the volatility of these assets. Similarly, just because income funds… Read More »