Home Loan Tax Benefits is one of the key reasons to avail home loan. In other words, it is a motivational factor to buy a property on home loan. In my opinion, it is more of a perception that may or may not be true always. This perception is so deep rooted in our minds that it has become a sort of universal truth. Whenever we decide to purchase a property through Home Loan, our friends and relatives remind us about the attached Home Loan Tax Benefits. The million dollar question is Have you did financial calculations on Home Loan Tax Benefits? Based on my experience i can say that in 99.99% ... Read More
Tax Savings – Check the diff between Pre and Post Tax Return
Tax Savings is a magical word in India. It is easy to sell a financial product with a tag of "Tax Savings". Sometimes i fail to understand whether we invest to save tax or save tax by investing. I think it is former. It will not be an extrapolation to state that we are over obsessed to save tax. Here i am not suggesting that we should not save income tax. The pain point is when we select products for tax savings without financial calculations. In other words, most of the times we compromise on returns to save tax. Because of this reason, the traditional insurance plans like Money Back / ... Read More
Stock Market Crash – The Pain is NOT YET OVER
Yesterday's stock market crash is the beginning of series of crashes as we observed in 2008. Once the FEAR grips the market then Stock Market Crash is inevitable. There is 360-degree selling. The market has convincingly broken the psychological level of 7000. There was simply NO attempt of recovery. From quite long, i am cautioning readers of this blog to EXIT the Market. Some brave hearts are still hopeful. Current P/E levels are 18.75 and it is still expensive considering the poor corporate results. The FII's are emptying their bucket and they are in a quite hurry to do so. The inflows to ... Read More
Balanced Funds – Why it is not a Good Option to Invest
Balanced Funds are the new lifeline for Mutual Fund Industry. These funds are also known as hybrid funds. Balanced Funds are of two types i.e. equity oriented and debt oriented. Equity oriented balanced funds invest 65% to 80% in equities and balance in debt instruments. On the other hand, debt oriented balanced funds follow the reverse strategy and invest around 70% to 80% in Debt Instruments and balance in equity. They are also referred as capital protection funds. I explained the same in my post, Should i invest in Capital Protection Funds? For practical purpose, Balanced Funds means ... 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
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
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