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Ranjan Varma- 2012 and New Years
- Spending Money
- Irrational Buying and Smart Selling
- Daily tasks tracking through the Internet
- One Million Content Hits, Thank You
- LinkFest for the Week
- If Sachin is God, Sehwag is Rajnikanth
- Free or Fee Financial Advice: Wikipaisa wants your Opinion
- Saving Tips or Garbage?
- Death From Opinions
Category Archives: Investing
Insurance News and Reality
Let me share two news in the media with respect to the Insurance services industry. LIC will bring out an online policy purchase option. IRDA will allow agents to sell/promote policies from more than one Insurer. My understanding is this: … Continue reading
Posted in India, Insurance, Investing
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Join RupeeCamp: A Personal Finance School
I am happy to announce the first RupeeCamp for your consideration. RupeeCamp is possibly India’s first structured program for both learning and implementation of your financial decisions. It is a unique initiative and readers have called it an innovative product. … Continue reading
Posted in India, Investing, Personal Finance, Planning, Stocks, Tax, ULIP, Uncategorized
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Riskfree & Assured Returns Financial Products in India
Thanks to the crash in the equity markets and the dent in trust in creditworthiness of corporate papers, the non-equity based investment schemes are the flavour of the season. If the lure of ‘riskfree and assured returns’ scheme attracts investors, … Continue reading
Posted in India, Insurance, Investing, Personal Finance
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Insurance v/s Fixed Deposits
Advertisement More than half of Indians polled in a recent survey say that they prefer to purchase insurance to placing their money in fixed deposits. The survey by marketing information company Nielsen shows that 54% of people in the country … Continue reading
Mutual funds and life insurance are two distinct products
There were some announcements recently by the Life Insurance Council, a lobbying body formed by life insurance companies. Broadly, these announcements appeared to say two things: that the terminology of unit-linked insurance plans (Ulips) would be made uniform and that … Continue reading
Posted in India, Insurance, Investing, Mutual Funds
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Insurance Agents Argument in favour of ULIPS!
A strange argument in favour of ULIPs (insread of Mutual Funds) Since Insurance is always sold and not bought, it requires considerable individual efforts to sell the product. The individual needs to be remunerated upfront which results in a seemingly … Continue reading
Posted in India, Insurance, Investing
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Bundling of Insurance & Mutual Funds ends for MFs
Customers will no longer get insurance covers bundled with mutual funds and many savings and investment products offered by banks. They may, however, continue to get insurance with credit cards and home loans. After a recent dispute with mutual fund … Continue reading
Posted in Insurance, Investing
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Don’t confuse insurance with investment
(Source: The Times of India, August 31) It’s the most common mistake, and they get hit on both sides, says financial planner Gaurav Mashruwala Ashfak Shaikh never asked his parents for pocket money. Since his childhood, he knew his … Continue reading
Review of your ULIPs that you bought
When equity markets were surging northwards, apart from equities and mutual funds, ULIPs (unit linked insurance plans) were also favourites with investors. For investors, it was another opportunity to ride the rising markets; while for the insurance advisors, ULIPs offered … Continue reading
Why of Insurance v/s Other Savings
Contract Of Insurance: A contract of insurance is a contract of utmost good faith technically known as uberrima fides. The doctrine of disclosing all material facts is embodied in this important principle, which applies to all forms of insurance. At … Continue reading