NRI Property Investment is the most discussed but least understood topic. The reason being, it is perceived to be too complex. The rules and regulations governing NRI Property Investment are different. In this post, a reference to NRI includes PIO (Person of Indian Origin) and OCI (Overseas Citizenship of India) until unless specified. Till date, i have observed two key reasons for NRI Property Investment. The primary reason is NRI's would like to settle in India after retirement. Secondly, they still feel safe and secure to invest their hard earned money in India compared to the country of ... Read More
Credit Score – 7 Jargon You Should Know to read CIBIL Report
Credit Score is like an alien concept for the borrowers. Normally, a borrower checks the absolute Credit Score Value and create a notion about the same. Some of the credit experts have created a very wrong notion among borrowers. This misconception is that if the Credit Score is more than 750 then NO Force in this world can reject the loan. It is wrong understanding. I can share examples of borrowers whose loans were rejected even with a score of more than 800. There is no doubt that credit score of 750+ is very good but it does not guarantee the loan. In my post, How to read CIBIL Score and ... Read More
Term Insurance Policy – Five Surprising Reasons to Buy
Recently, i was going through some of the emerging trends related to Term Insurance Policy. As i highlighted in my earlier posts on insurance, In India, it's a big challenge to sell term insurance policy. The key reason is people buy insurance only for investment purpose. These people give excuses to avoid Insurance. There is a 2nd set of people who are financially aware and understand the importance of insurance. They basically buy term insurance policy to financially protect their family in case of an unfortunate event. Based on interaction with readers of this blog, i came to know five ... Read More
Equity Exposure – Beware of 5 illogical Reasons to Invest
Are you taking Equity Exposure just for the sake of it? It's like eating food when you are not hungry. It will be right to say eating stale food (Bear Phase) instead of healthy food (Bull Phase). You may find expert suggestions to exit other asset classes but will never find a call to reduce Equity Exposure to NIL. As a retail investor, i took a call to quit Equity Investments. The key reason is that even if all the investors EXIT Gold, the gold prices will not be impacted much or collapse below the floor price. According to experts, the gold prices will not fall below the cost of production ... Read More
High Dividend Yield Stocks – Should i Invest or Stay Away
High Dividend Yield Stocks have created a niche for themselves. They target a particular set of investors. A peculiar point i observed is that no one talk about the performance of High Dividend Yield Stocks. In the otherwise depressed market, i get feel good factor whenever i see the performance of these stocks as reported by newspapers :). The reason being, they always show a very high dividend yield %. It gives me a feeling of All is Well, All is Well. The analysts pitch these stocks as a retirement planning tool to investors. The 2nd set of scapegoats, sorry the investors are those who are ... Read More
Cost Overrun – One of the Key Reason for Project Delay
Cost Overrun is dangerous for any business. Cost overrun is a vicious cycle and increases in Geometric Progression. A geometric progression is a sequence of no's in which subsequent no is found by multiplying the previous no with fixed no. This fixed no is called common ratio. Gradually the situation goes out of control if cost increase in GP. This is a universal truth and not a pleasant situation for any business. The definition of cost overrun is an unexpected increase in cost against the budget. In other words, underestimation of the project cost. To be honest, accurate cost estimation is ... Read More
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