You can obtain a loan against the surrender value of your life insurance policy from the insurance company or from a bank or obtain a loan from your provident fund account if you have had an employee provident fund account for more than 5 years. The interest rates would definitely be lower compared to the… Read More »
Why should one consider investment in Gold? Let us explore the reasons. The most compelling reason for putting money in Gold is its role as a long-term or strategic asset. Even in situations where currency of a sovereign loses acceptance, gold still retains its value. Second, Gold provides diversification to the portfolio given its lack… Read More »
While hedge funds aim to reduce market volatility, they can still lose money for themselves and their clients, or provide disappointing returns. Hedge fund managers can also charge very high fees, and some funds are not at all transparent, because they do not reveal their trading strategies.
EPS denotes Earnings Per Share. It is a ratio that denotes the net profit or loss credited to the share holders for every share held. It is a widely used ratio that plays a vital role in valuation of the shares of the company. The term “earnings” used here denotes the part of the company’s… Read More »
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 »