Recently one of my friends asked my father "Which pension plan you opted for retirement?". My dad laughed and told him that "Govt provided Pension" was his only pension plan. I wish that today's generation could have enjoyed the same privilege. With an uncertain economy and job environment, there is an enormous pressure on the current generation to kick start financial planning ASAP. As an individual, my Financial Planning is much more sophisticated than the previous generation. During Good Old Days, My father's only worry was kid's education and marriage. These days besides kids education and ... Read More
Critical Illness Plan – Do i need it?
"A Critical Illness Plan is must for you," last week my Relationship Manager told me. It covers 20 Life-Threatening Diseases, She further added. It put me in a fix whether to buy a Critical Illness plan or not. As i mentioned in my previous posts on insurance that insurance can only be sold through FEAR factor. I agree that term insurance plan and health insurance plan are MUST HAVE. Once my relationship manager knew that i already have these two plans, she started pitching me other riders/plans. Personal Accident Cover and Critical Illness plan are two plans that can be easily marketed. Once ... Read More
5 Golden Rules of Stock Market Investment
Stock Market Investment is both easy and challenging. If you know the rules of the game, then Stock Market Investment is a cakewalk. Let me admit that only smart investors can make money in the Stock Market. At the same time, no one is born smart investor. Investors learn from their mistakes and graduate to smart investor. I like TV program Wizards of Dalal Street on CNBC TV18. The finest minds of the Dalal Street share their experience, learning's and mistakes. Every smart investor has a secret recipe to Make Money on Dalal Street. We can't expect the market experts or smart investors to ... Read More
Imp points on Power of Attorney by NRI
A property transaction through Power of Attorney executed by NRI calls for extra checks/scrutiny. A sale deed can be declared NULL and VOID because of a small mistake or error in the execution of Power of Attorney by NRI. Sometimes these errors/mistakes are intentional and most of the times unintentional. In recent past, i came across multiple cases wherein a property transaction was challenged based on error/mistake in the execution of Power of Attorney (POA) by NRI. In many cases, the status of NRI is being concealed by his lawyer/CA in POA to avoid TDS. An NRI executing POA in India cannot ... Read More
Avoid Property Investment through Home Loan
Property Investment is a big craze in India among all asset classes. One of the factors which boost Property Investment is income tax deductions on Home Loan. It is one of the reasons for very high property prices in India. In my opinion, Home Loan Tax deductions are more of a subsidy. If you are buying a property for self-occupation, then you should buy without giving 2nd thought. It makes perfect logical and financial sense. In this post, we will discuss the scenario wherein buyer purchase property for PURE investment purpose, i.e., the property is let out. Few years back, Property ... Read More
How to Analyze Security Wise Delivery Position?
Security Wise Delivery Position means no of shares marked for delivery from the total traded quantity. In my opinion, Security Wise Delivery Position is one of the crucial analysis. In layman terms, it tells how many investors are willing to accept the shares in their demat account. A higher delivery quantity means serious trading and balance is intraday play. Most of the analysts give importance to volume or traded quantity. On the other hand, as an investor i give more importance to Deliverable Quantity/Delivery Percentage. For example, total traded quantity of a Stock A is 100. Assuming out ... Read More
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