Global funds invest in international companies and/or mutual funds investing in international companies. Some of these funds can also choose to focus on investing in international companies operating in a particular sector. Few funds are hybrid i.e. they invest a part of their money in Indian companies and remaining portion of their money n international… Read More »
Year 2009 has been a significant year to showcase RBI’s success in regulating the banks in India. Most banks have been cautious with their lending to risky profiles. Certain unsecured loans were not sold at all. This has helped almost all the banks to be more powerful as their non-performing assets have come down.
Year 2009 has seen many long felt needs in the banking sector and user group (read as borrowers and account holders) being met. The liberalization of the branch opening process in smaller cities will help the banks and also the people in remote and rural areas.
This year we saw introduction of currency futures i.e. contracts for buying and selling foreign currencies against INR. Currencies are thought to be one of the most liquid market due to presence of countless players and 24×7 market structure. Even if NSE and BSE close, an investor sitting in US can trade INR at that… Read More »
The mutual funds advisory committee is also looking at more reforms. The advisory is recommending the asset management companies to lower the fund management fees from the present. The fund houses currently charges 1.25% as asset management charges for the first Rs 100 crore garnered by a scheme, and 1 per cent thereafter. It is… Read More »
During a market downturn, ETFs have different provisions in everyday tools for doing allocation of assets in line with your risk appetite and tolerance and your financial goals. This way you can protect your portfolios. You can allocate assets in various classes by reducing your portfolio exposure to equity capitalizations, assets and sectors that could… Read More »
Due to the current economic slowdown most banks had stopped giving out Sub-PLR loans for some time. With improved liquidity conditions, banks have come back on the trend of disbursing loans at discounted rate that is below benchmark prime lending rates (BPLR). Majority of fresh loans, around 65% to 70% are being disbursed at sub-PLR… Read More »
P/E ratio (Price Earnings Ratio) shows what the market thinks about the earnings potential and future business forecast of a company. Companies with high P/E ratios are the darlings of the investors and thus enjoy a higher market rating. In order to use the P/E ratio properly, take into account the future earnings and growth… Read More »
These funds are suitable for novice investors who don’t have any clue about the stock market investment. However over a long term, these funds should form a part of overall portfolio of investors. This is because investing solely in these funds will deprive the investors of earning higher returns generated by mid and small cap… Read More »
Closer to home, an 18-year-old IIT student posed as a bank executive, got credit card details from customers, and then used the data to book air tickets and buy laptops. He tied up with a travel agent to cancel the tickets and share the returns, while he sold the laptops across the country at a… Read More »