Category Archives: Investing

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

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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

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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

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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

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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

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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

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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

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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

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Financial Literacy Drive Treasure Post

This post links to a treasure trove of information on personal finance. Actually, April was National Financial Literacy Month in the US and JDR (GetRichSlowly) has the ultimate collection of posts covering everything on Personal Finance. Other than the 20 … Continue reading

Posted in Asset Allocation, Budgeting, ETF, Index Funds, Insurance, Investing, Mutual Funds, Personal Finance, Planning | Leave a comment

Personal Finance Website Update

Nine months ago I did not know what a blog is? Stuck up at home due to a back injury, I was casually chatting up with a geeky friend asking him about how to create a website, purely in jest. … Continue reading

Posted in Asset Allocation, Budgeting, ETF, Index Funds, Insurance, Investing, Mutual Funds, Personal Finance, Planning, Stocks | 1 Comment