One of the reasons to not summarily reject ULIPs is that there is an inherent tax advantage. As we enter the “tax planning” season from January to March, people look…
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Banks’ Bad Loans Are Frozen, Take Data At Face Value
SYNOPSISThere is a risk of a further increase in NPAs amid the permanent loss of GDP due to the slowdown. Usually, in challenging times like economic growth slowdown, the non-performing…
Smart Investing: How To Use Equity Rally For Tax Harvesting
Book gains as price/NAV moves up, and buy the same share/MF scheme. It creates a higher acquisition cost for your ultimate taxation, when you sell the investment after an adequate…
The Dilemma In Home Loans: Fixed Or Floating Interest Rate?
In home loans, the nagging question remains: should the borrower choose fixed rates of interest or opt for floating rates? The decision to choose between a floating rate and fixed…
Is The FoF Investment Strategy A Good Approach To Multi Cap Investing?
The market is on a bull run and the indices are touching new levels every other day. As the mid and small caps are yet to play out as much as the…
Adviser Vs Distributor: Why The Standards Used For Mutual Funds Do Not Apply To Insurers, Banks?
SynopsisThere are instances of mutual fund products being sold in banks as ‘similar to bank FDs’, insurance products sold as ‘similar to FDs’, additional Tier-1 perpetual bonds (AT1 Perps) being…
Mutual Fund Investment: If Not Multi-cap Funds, Which Category Should You Choose?
The equity category with the highest AUM is large-cap as market growth is being driven by a few large-cap stocks and people have confidence in proven, large businesses. The issue…
Is Socially Responsible Investing More Resilient During Downturns?
A company with a superior ESG score is rewarded by the markets. The coronavirus pandemic has provided a watershed moment for wealth managers to accept and recognize the importance of…
Count On The Regulator
Investors have free-of-cost channels to get their grievances redressed but not many are aware of the available fora Many a time, investors face mis-selling, lack of proper servicing or some…
Do Not Alter Your Investments Due To Inflation Rate
Adding to your risk quotient by changing investments for more returns is not advisable. These days, the real rate of return, which is the return net of inflation, has become…
Focused Equity Funds: Where Small Can Indeed Be Beautiful
SynopsisDiversification is an essential element of portfolio construction, beyond a point, diversification does not add much value to the portfolio. To start with, let us look at the concept of…
Market-linked Debentures: Tax-efficient Investments With Reasonable Pay-offs
A market-linked debenture does not pay any coupon before maturity. In a common debenture or bond, the coupon payable is defined: say, 7 per cent every year. There are certain…