Planning to invest in debt? Here is how to structure your exposure

Planning to invest in debt? Here is how to structure your exposure

When other asset classes appear overheated or in risky zone or you want regular income, the best investment is to put your money in fixed income or debt instruments. However, a debt-instrument heavy investment portfolio is not always a healthy one since it would pull down the overall returns. If one hopes to beat inflation by a reasonable margin, one has to have a diversified portfolio with a fair sprinkling of equities, equity funds and commodities. So how much of this instrument is good in a normal investment portfolio and…

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Market Rally and the Festive Season. Truth, Tradition and Tale.

Market Rally and the Festive Season. Truth, Tradition and Tale.

It is no secret that the Indian Stock Market is expected to rally during the months October – April. Dipping to the year’s lowest most just before the onset of the festive season, it is a conceded notion for the markets to look up at a bull rally after the Muhurat trading session on Diwali day.  Yes it’s true. The markets ended on a three month low on the 17th of October 2016. The BSE Sensex closed at its lowest in more than three months on Monday, as investors braced…

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Planning to invest in Non Convertible Debentures? Here are 5 things to check before putting your money

Planning to invest in Non Convertible Debentures? Here are 5 things to check before putting your money

Non-convertible debentures (NCDs), issued by companies to raise funds, have been hitting the market at regular intervals. The most recent proposal is from Tata Motors which plans to get board approval soon to raise Rs 500 crore. In recent month, some NCDs have been runaway success with huge investment interest. Debentures issued from the likes of Dewan Housing Finance Ltd, which came up with inflation-linked NCDs, and Indiabulls Housing Finance received massive investor response. Along with these, SREI Infrastructure Finance raised funds through this route. While NCDs from big and…

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Missed filing of taxes deadline? Here’s what you must know

Missed filing of taxes deadline? Here’s what you must know

If you have missed your tax filing deadline, there is not much to fret if your tax dues are fully paid, says Anil Rego Rajesh Ashar still cannot believe how he could have been so careless to have missed the filing deadline of taxes. In his 14 years of tax filing, this was the first occasion when he had missed on his tax filing deadline. The government had extended the tax filing deadline by a full month from July 31 to August 5. But the last 15 days before the…

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RBI has delivered on rate cut: How you can make money in stocks now

RBI has delivered on rate cut: How you can make money in stocks now

Earning in stocks of certain sectors is set to increase with the new RBI rate cut. The domestic stock market might like the new avatar of Urjit Patel as dovish RBI Governor. The jittery market and stocks breathed a sigh of relief after the Reserve Bank of India (RBI) slashed policy rates by 25 bps to 6.25 per cent and indicated that inflation will cool off in the subsequent quarters. Further cooling off in inflation will provide room to the central bank to cut rates further, which would be important…

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Life Insurance Premium – Where does it exactly go?

Life Insurance Premium – Where does it exactly go?

Life Insurance agents get hefty commissions and hence aggressively pursue people to sign up for new policies. Have you wondered why your neighborhood financial advisor, call him the insurance agent, always wants to sell you life insurance policies? Hefty commissions are the prime reason. Commissions paid to agents by life insurance companies touched a whopping Rs 44,585.33 crore in 2015-16, a growth of 4.3% over the previous year, according to Life Insurance Council, an apex industry body of life insurance companies. In a year when mutual funds paid 497 large…

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Stay invested in the Blue Chip Stock – It gets back ‘UP’ and stays ‘Green’ for good.

Stay invested in the Blue Chip Stock – It gets back ‘UP’ and stays ‘Green’ for good.

What are Blue Chip Stocks? Good returns, lesser volatility, stable earnings and high quality are the characteristics of a ‘Blue Chip’ stock. To be precise, a Blue Chip stock is a company that has proved its mettle on the books of accounts over the years. It is the stock of a company that has grown steadily over the years, with the ability to pay increasing dividends. With just so much on the basics of a ‘blue chip stock’, let’s see what it has in-store for the retail investor who is…

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Savings – Three golden steps that will make you financially independent at the earliest

Savings – Three golden steps that will make you financially independent at the earliest

It all begins with savings. When you are earning, it is tempting to spend it all. All of us would like to attain financially freedom. How do we get there? The mantra is simple: savings, investing, and get your money to grow. You will become financially independent. How does one work to ensure that this mantra is fulfilled? Read on to know!   Step 1: Save! It all begins with savings. When you are earning, it is tempting to spend it all. Refrain from the temptation! Save as much as…

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Investing in real estate? Points you should to know

Investing in real estate? Points you should to know

Real Estate can be divided into a few categories, such as residential or commercial properties, agricultural or industrial land; still we tend to equate it with residential property alone. Indians, conventionally, think that real estate and residential properties are synonyms. Not much thought is given to any other real estate such as commercial properties, agricultural land, and industrial land. Buying a property or multiple properties is one of the usual real estate investments which every Indian makes. Owning a home is considered more as a matter of honor than as an…

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Dividend or Growth: Which MF option is better for you?

Dividend or Growth: Which MF option is better for you?

While dividend option on debt fund works for those looking for regular income, all other investors should invest in growth option When Shweta first met her financial advisor, the idea of a mutual fund really appealed to her. She was really delighted that she could create wealth through equities and also get the benefit of diversifying her risk. But she was really spoilt for choice. There were over 35 fund houses and over 1000 schemes on offer. Further each scheme had a direct plan and a broker plan. Then you…

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