Till few years back i was quite bullish on Debt Mutual Funds. The Great Crash of Debt Mutual Funds in July 2013 shattered my faith in Debt Mutual Funds. The most impacted funds were Liquid Mutual Funds that are considered to be safest among all. Liquid funds invest in money market instruments. The lower maturity period makes them best investment option for short term. I regained my faith in Debt Mutual Funds and invested in Long Term Debt Mutual Funds. The last one year is also not good, especially for long-term/gilt debt mutual funds. We will discuss this later in detail. The 1 month return ... Read More
Banking Transactions – Are they really SAFE?
A couple of my recent Banking Transactions inspired me to write this post. Despite the efforts from RBI, the fraudulent transactions are on the rise. The fraudsters take advantage of a loophole in Banking process to exploit the same. For ease of understanding in this post, i will refer all the transactions i.e. Credit Card, Debit Card or Net Banking as Banking Transactions. Most of the frauds are carried out from outside India so that the fraudster remain out of the clutches of India Law. Big frauds hog limelight in newspaper reports but the majority of frauds are of small value. Some time ... Read More
Insurance – Top 7 Excuses
Insurance Penetration in India is one of the least in the world. Through my blog, i try to create awareness about the importance of Insurance products. Insurance is not a compulsion but the necessity. One of the key reason for low penetration is the lack of knowledge about the importance of Insurance. It is one of my favorite topic in personal finance space. A good financial planning fails if the person is not insured. Therefore, experts recommend that Insurance should be an integral part of Financial Planning. Let me share an example of Person A. He died in an accident and his wife wrote to ... Read More
Register Under Construction Property for Home Loan
"Register Under Construction Property to avail Home Loan," a Bank Employee told to one of my clients. My client got confused. She was under a notion that under construction property can only be registered at the time of possession. Off late, banks are insisting borrowers to Register Under Construction Property before possession if you are availing a Home Loan. Though it is mandatory to Register Under Construction Property under subvention schemes, it is at the discretion of the bank. From a buyer's perspective, it's a mixed bag. Depending on case to case basis, to Register Under Construction ... Read More
The Most Popular Subvention Schemes
In my opinion, Subvention Schemes are the last lifeline for real estate sector. Currently, the sector is going through a rough patch. In a last ditch effort, builders are rolling out offers under Subvention Schemes to attract buyers. As an unwritten understanding among builder community, a direct discount on the rate card cannot be offered. Moreover, declining sales and ever growing debt burden are forcing builders to offer innovative marketing schemes. These offers can be labeled as Subvention Schemes as most of these offer indirect discounts. In my post, 7 Risks Associated with Subvention ... Read More
Equity Investments – Why i Quit?
Equity Investments are subject to market risk. You must have read this disclaimer thousand times cautioning investors about Equity Investments. We can handle RISK but when we anticipate DANGER, it is better to QUIT. Today was very beautiful day till 1 PM, but suddenly markets crashed by 300 Points. The CRASH came immediately after European Markets opened for trading. It was swift and sudden. The index/Nifty has broken its crucial support level of 7750. It was quite SHOCKING and ABNORMAL behavior from Market. Few days back, i cautioned my readers about the imminent threat but was praying that ... Read More
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