NAV of a mutual fund is grossly misunderstood by the investors as well as the mutual fund. Low NAV does not indicate the fund is cheap, nor does it impact the returns in any way. So always remember this when selecting fund for investment. Rather focus on the quality of fund, which will greatly impact… Read More »
Typically, people in their late 20s and early 30s, with family obligations, should begin by looking at property. In fact, up to 50% of your fund should be invested in property, as it appreciates over the long term. Following this should be up to 30% exposure in equities/ mutual funds, to reap the high returns… Read More »
The SLR change really has no real impact on the economy as the scheduled commercial banks are already in maintaining a SLR of 27.6%. So there is no real money that is going out of the system. That means that if A needs to take a loan, the money to lend to B is still… Read More »
As per RBI data during the current financial year (up to October 10, 2009), the increases in prices of wheat (3.5 per cent) and rice (5.9 per cent) were relatively low as supply side pressures were mitigated by the comfortable levels of food grain stocks with public agencies which stood at 44.3 million tonnes as… Read More »
At the time of maturity of the bond, the company may not be in a position to repay the principal. This means the capital for the investor is at risk. There are credit rating agencies that monitor the credit worthiness of the companies on an ongoing basis. Their reports will serve as valuable inputs for… Read More »
Are you looking for income? Do you want to ensure your investments provide you with regular income? If so, then opt for dividend option. It will also help you book profits and thus protecting your investment from a sharp fall, caused by market crash. On the other hand, if you are saving for some future… Read More »
The book value is defined as the difference between total assets and liabilities. In a more crude way it is also defined as the amount that will be left back after paying all liabilities in case of a closure. The P/B of an IPO is calculated as Market value divided by the Book value. It… Read More »
One of the most important mistakes done the previous wave was the sheer disregard to fundamentals while investing in IPOs. This was due to the huge hue and cry over IPOs and how they gave bombastic returns on the first day of listings. “Hey i brought XYZ Company at Rs 175 in the IPO and… Read More »
Payments made through debit cards rose over 40 per cent to Rs 9,911 crore in the first five months of this financial year compared the same period previous year. Data available with Reserve Bank shows debit card payments touched Rs 9,911 crore for the five months ended August, an over 40 per cent surge compared… Read More »
Normally, the bank enters into a tripartite agreement with you and your tenant as well as a term loan agreement is signed between you and the bank, prior to approving the loan. As per this agreement, the tenant has to pay the rent to the bank directly. Here you and your tenant will have to… Read More »