Return of the ULIP

Like a phoenix rising from the ashes, ULIPs are all fired up after the recent market rally. But do check the long-term track record too before rushing to buy them
After a barrage of bad news over the years, investors in Unit-Linked Insurance Plans (UL... »

The ULIP-Mutual Fund face-off

Who's got the punch? Investors must go by only one factor finally: returns LIGHTSPRING/SHUTTERSTOCK.COM
ULIPs score on lower costs, more insurance and tax benefits
Unit-Linked Insurance Plans, in their first avatar prior to 2010, were the retail invest... »
Ranbaxy Labs - Buy

Good time to bask in the Sun

The current Sun-Ranbaxy swap ratio offers an attractive arbitrage opportunity
The stock of Ranbaxy has gained over 50 per cent since our sell recommendation in March despi... »

Index Outlook: Nifty edges towards 8,000

Sensex and Nifty are at life-time highs. Derivative expiry can help the Nifty inch up
The monsoon clouds now spread across the entire country have spread cheer among stock market... »

Birla Sun Life Top 100: Buy

Cash calls and consumer exposures have helped contain downside
Investors looking for a predominantly large-cap fund with a consistent record could conside... »


Franklin India Bluechip: Hold

Given the fund’s impressive track record, wait out the lacklustre phase
Among the oldest and most respected of funds is Franklin India Bluechip. Once a top-quartile... »

Your Money

Portfolio Ideas

5 steps to fund higher education

Make sure the investments' maturity matches with the years left to reach your goal
One of your life goals would be to provide college education for your children. But how... »

Firm Calls

Follow up: PC Jeweller - Buy

This gem will continue to sparkle

PC Jeweller did well last year despite woes in the jewellery sector. It’s set to do better
Last year, Delhi-based PC Jeweller navigated the choppy waters of the gems and jewellery sect... »

Your Money


How to settle your credit scores

Correct them online or by way of a written request with supporting documents
A credit score, whether from CIBIL or Experian, can have quite a say in whether you succeed i... »

Firm Calls


ITC: Stubbed out by taxes

With rising excise duties and price hikes, cigarette sales volumes took a blow
After a blistering run from 2011 to 2013, the stock of ITC turned docile and stayed flat in t... »

Real Assets

Commodity Call

Zinc glistens with promise

Supply constraints and higher demand will add lustre
Zinc prices have risen sharply in the last few months. Since March, spot prices of the metal... »
Our Call

Prestige Estates: Buy

A slew of Budget measures such as introduction of real estate investment trusts and easier FDI norms have boosted the prospects of real estate sector players. These changes bode well for Pr... »

Caveat Vendor

Taken for a ride by an immigration service

Feel defrauded or shortchanged by one of those ubiquitous immigration agencies that have sprung up everywhere? If yes, don’t just fret and fume. Consider approaching a consumer court. Here’s a... »

Your financial plan

My wife and I, both aged 33, work as doctors for a government agency . We participate in a contributory pension scheme. We live in a rented house with our son who is five. Our salar... »

Soyabean needs a booster shot

Soyabean rules the global oilseed market, not just because of the sheer size of its output but also for its cultivation in both the hemispheres that ensures year-round supplies. It has multiple... »

Bullion Cues

Strong US jobs data take sheen off gold

Bullish bets on gold back-fired last week. Strong economic data from the US put worries regarding geopolitical tensions on the back burner. Spot gold prices dropped to $1,307 per troy ounce f... »

Pay tax without pain on stock market gains

Investors can set off or carry forward short-term capital gains and losses, but not long-term ones. PHIPATBIG/SHUTTERSTOCK.COM

You love the stock market and the excitement you get from buying and selling stocks. Just keep in mind that the money you make may attract tax. And with the deadline for filing returns only a... »

Comprehensive cover or third-party cover?

Third party insurance for your car is available at rates that are much cheaper than a comprehensive cover. But what should you ideally buy? The answer boils down to factors such as your... »

Rich and famous in Singapore

Remember Eduardo Saverin? He sued Facebook and settled out of court for a 5 per cent stake in the company. The co-founder of Facebook, is now the second richest man in Singapore, according to a We... »
Tax Talk

How Budget pinches the affluent

The Budget has no new proposals targeting the super rich. But many of the proposals to plug tax loopholes can impact the investment decisions of high net worth investors. After all, our decisions... »

Tackling the ‘powers-that-be’

Working with the government is not easy. Srinivasan says that you must not think of selling your ‘product’, but first find out more about the ‘system’. With this information in hand, you can create... »

Myths about NRI home loans

Index funds vs ETFs

Adani Ports faces rough weather

Go Figure

How to settle your credit scores

ITC: Stubbed out by taxes

YES Bank : Buy

Alerts: Once-a-year SIP

Readers Say

With reference to the article, “What drives property prices,” property prices are high because most of the black money is invested in real estate. Property prices have gone beyond the purchasing p... »
Portfolio Ideas

5 steps to fund higher education

One of your life goals would be to provide college education for your children. But how should you fund the education cost? This question assumes importance because sending your child to c... »

Reality Check: Tata Sponge Iron

An impressive June quarter performance, following good shows in the preceding two quarters too, helped the stock of Tata Sponge Iron, a Tata Steel subsidiary, shoot up 9 per cent on July 1... »
Commodity Call

Zinc glistens with promise

Zinc prices have risen sharply in the last few months. Since March, spot prices of the metal on the LME have rallied 21 per cent. The metal now trades at $2,392 a tonne The market for zinc had... »

Follow up: PC Jeweller - Buy

This gem will continue to sparkle

Last year, Delhi-based PC Jeweller navigated the choppy waters of the gems and jewellery sector quite commendably. The demand in the sector had slackened due to a weak economy and supply curbs... »

Your Taxes

Please clarify if the following assumption is correct: a Resident but not Ordinarily Resident (RNOR) individual is a person who satisfies one of the following condi... »
Portfolio Moves

From backbencher to top scorer

On a fast track: The fund has topped the return charts. TIM THE FINN/SHUTTERSTOCK.COM

After underperforming the BSE 200 Index, its benchmark, for over two years, HDFC Core and Satellite has witnessed a significant turnaround in the last four months. The fund, which figured in t... »


“By perseverance the snail reached the Ark.” —
Charles H. Spurgeon

NBFCs offer pockets of opportunity

Both the PNB Housing FInance and HDFC deposits have the rating highest possible credit rating. HEIKO KUEVERLING/SHUTTERSTOCK.COM

Short-term interest rates have been revised downwards by quite a few banks in the past few weeks. For example, Karur Vysya Bank and Lakshmi Vilas Bank, which were earlier offering 9.5 per cent... »


Don’t write off debt funds

Confusion has reigned supreme ever since the Finance Minister proposed tax changes on non-equity mutual funds in the recent Budget. The first question was whether the long-term capital... »

Going social for a cause

Bear-call spread on Tata Motors

Go Figure

Currency call: Rupee to trudge sideways

Franklin India Bluechip: Hold

Relation between capital structure and cashflows

FMCG funds go slow

For decades, Mumbai’s crumbling urban transport infrastructure has struggled to cope with the daily demands of its masses. The city’s response to this pressure has been slow and disjointed. In recent... »

Jay Robotix trains students in robotics technology »

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