CASH FLOW NEEDS Depending on your cash flow needs you can look into cash flow requirements.  If there is requirement for interim cash flows from the investment, then the dividend option is better, whereas if there is no interim cash flow requirement, the growth option is better where the returns are reflected in the movement… Read More »

Most investors have been wooed by banks to transfer their funds from fixed income products towards banks that provide interest rates as high as 11.6% for five-year tenure on deposits and bonds. Most banks have launched a series of fixed maturity plans (FMPs), as they lost the listings with SEBI. In order to get listed,… Read More »

Mutual Funds relating to the agro and commodities market can benefit you, as it has been forecasted to be on the bull- run for quite a long time now.  If you thought the rising food prices were a matter of concern as it increases the your expenditure or even force you to borrow a loan… Read More »

Wondered why your fund manager was not able to protect your savings during slumps? There is no need to, since fund managers are not in a position to manage risk directly. They themselves are not very much aware of how the markets might perform. So now, the confusion arises as to what are the lines… Read More »

Mandated by the Prevention of Money Laundering Act, 2002, the Know Your Customer process is now mandatory. The KYC process helps banks and NBFCs know their customers as the form, once duly filled, can provide a lot of information about their clients. In its reforms , this is one of the most effective move by… Read More »

Most consumer websites are flooded with complaints as to how they encountered agents who expose only partial facts of their policies and wait for the customer to directly get exposed to the risks. Here are some of the commonly used traps to entice the customer into purchasing policies that can harm them financially: Plot 1:… Read More »

Conservative investors, who are quite recently exposed to equities, are quite apprehensive as to how their investments are doing in that particular sector. A slight change in the market can be the main cause of their depression. Any transfers reflected from such changes, can result into loses that can be quite undesirable, forcing you to… Read More »

Most superstitious people, consider monsoon not to be a good month to buy property as they consider it to be because of ‘shraadh’ or ‘pitrapaksh’. But, little don’t they realize is that, it is one of the best times to bag a bargain with your developers or with the banks. Developers detest the monsoon season,… Read More »

A foreign holiday, a beautiful home with a wonderful family, no debts and liabilities to repay and a secure financial post retirement life, is the dream of every Indian. Working years together, saving every penny possible, trying to fulfill all the financial responsibilities i.e. from buying a house or a car, financing your child’s higher… Read More »

Earlier it was believed that, insurance policies were needed so as to protect your family, if you as a policy holder, enter into a critical illness, or worst case, die, the family could be benefited from the proceedings. But, these days due to increased regulation, there are a lot of schemes that have come in… Read More »