investing internationally
General
Aarati Krishnan

Investing internationally – How important is it for investors in India?

These days, investors in India have an increasing number of options for investing internationally (global funds, feeder funds, overseas indices, and even direct stocks!). So, it’s not surprising that a lot of you are beginning to wonder if you need to add international exposure to your portfolio. Let’s see if it is necessary to diversify into international markets. And if yes, should it be through stocks or mutual funds.

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NPS Taxation
NPS
Aarati Krishnan

Untangling NPS taxation

NPS Taxation rules change as often as the weather and are infinitely complicated. Here’s an attempt to demystify them.

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UTI AMC IPO
Stocks
Aarati Krishnan

Should you subscribe to the UTI AMC IPO?

The Initial Public Offer (IPO) of UTI AMC is hitting the markets today and will close on October 1. This offer of 3.89 crore shares to the public is made up entirely of sale of shares by UTI’s key shareholders – SBI, LIC and Bank of Baroda. In addition, T Rowe Price International Ltd, a long-standing global investor in UTI and PNB a sponsor, are also selling a small part of their holdings. UTI AMC will not receive any capital infusion from these divestments.

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NPS Asset classes
NPS
Aarati Krishnan

How to plan asset classes for your NPS portfolio

When investing towards long-term goals such as retirement, your final returns are decided more by your asset allocation than by your choice of products or fund managers. That’s why one of the most important decisions you’ll make on your NPS account is this one – in what proportion you’ll divide your annual contributions between equities, bonds and the rest.

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small cap opportunity
Markets
Aarati Krishnan

How to (and not to) play the small cap opportunity

SEBI’s new circular dictating a minimum mid-cap and small-cap stock allocation has left investors in multicap funds scratching their heads. But there’s another set of investors who are thrilled with this move. These are the folks who are already invested in smallcap stocks in their direct equity portfolios or owning smallcap equity funds.

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Jeevan Akshay
Insurance
Aarati Krishnan

Prime Review: LIC Jeevan Akshay VII

LIC has launched Jeevan Akshay VII – the latest version of its popular immediate annuity plan. So should retirees looking for regular income go for it? Here’s an analysis of its pros and cons.

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guaranteed returns
Bonds & Deposits
Aarati Krishnan

A guaranteed returns option to tackle low interest rates

The Monetary Policy Committee (MPC) in its latest meeting has sent out mixed signals about the future direction of interest rates. Citing an uncertain inflation outlook, it called a pause to its repo rate cuts, holding the rate at 4 per cent. At the same time, it also promised to continue its ‘accommodative stance’ due to unprecedented Covid stress on the economy.

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Term Insurance FAQs
Insurance
Aarati Krishnan

Multiple policies? Covid concerns? Group cover? Term Insurance FAQs!

In our PrimeTime webinar on ‘Choosing the Right Term Insurance’ last Saturday, we received many thought-provoking questions from our subscribers and viewers that we could only partly address, given the paucity of time. Here’s a more detailed FAQ on term insurance based on your feedback during the webinar. Hope you find it useful!

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Guranteed returns
Insurance
Aarati Krishnan

Prime Review: A guaranteed return product worth considering

Advisors love to promote market-linked products, but guaranteed return products remain a big draw for Indian investors. Often the word ‘guarantee’ proves such a big lure that we don’t stop to check if the returns being guaranteed are better than the savings bank interest rate! When seen from a return perspective, there are very few guaranteed products from insurers that are worth considering for long-term investing.

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gilt funds
Mutual funds & ETFs
Aarati Krishnan

Is it the time to buy gilt funds?

With interest rates on bank deposits, small savings schemes and most categories of debt funds taking a knock, many investors are on the lookout for that one miracle avenue that will give them high returns with capital safety. Gilt mutual funds, which invest only in government bonds, on the face of it, look very appealing today because of their high past returns.

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term insurance riders
Insurance
Aarati Krishnan

Do you need riders on your term insurance plan?

Apart from allowing you to structure your term insurance plan in different ways through options, life insurers also tempt you with another set of add-ons – riders. Riders allow you to cover additional risks to your income, for an extra premium added to your base term plan.

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