Page 65 - Investment

Watch out for excess debt

Keep all monthly repayments to less than 45 per cent of take home pay

Markets could correct this year

A 20-30 per cent correction is likely while the upside is limited to 10 per cent

IIP data does not justify rise in equities

Either the market will correct down in the next few months or IIP must zoom up. The divergence cannot go on forever

Forced saving in equities good for retirement corpus

The guidelines will ensure that fund managers continue to focus on index stocks

Sub-limits eat into health cover

Apart from room rent, there are smaller limits for certain illness also

Don't lend or borrow more than Rs 20,000 in cash

Make sure you borrow or lend by cheque or bank draft, or you may be levied penalty to the tune of the loan amount

Share prices will drop further

Equity investors should increase allocations on every significant correction

Too many loans for buying real estate can be risky

No asset class performs forever. So, it makes sense to diversify

Budget 2013 -What's in it for me?

As direct tax rates are unchanged, the impact on individuals is fairly neutral

Budget may not spark bull run

If the FM can deliver a half-decent Finance Bill, he may well get a thumbs-up from the market

Health insurance and term plan are a must, but ...

You should pay for advice, says Sebi

The market regulator is trying to ensure that wrong products aren’t promoted

Sensex has returned 18% a year in the last decade

If you stayed invested, you would have made huge returns. But few seem to have the courage in bad times

Is this a false rally?

If industrial growth data for January 2013 show no pick-up, tired bulls may start unloading stocks

How to cut cost of investing

Expenses and taxes can lower returns significantly over the long term

Rate cut will lead to jump in growth

The economy could rebound if the right policy decisions are taken and implemented quickly

How risk tolerant or risk averse are you?

While an investor may be risk tolerant at the time of starting his investments, changing market and economic conditions can make him risk averse

Capital gains tax exemption for joint property also

New house need not be in the tax payer’s name only