PrimeInvestor - Articles and Reports

Prime stock update: Are we still sweet on this sugar maker?
Stocks
Pavithra Jaivant

Prime stock update: Are we still sweet on this sugar maker?

In August 2021, we recommended a sugar manufacturer, well placed to play the ethanol opportunity that was set to change the dynamics of the sugar sector in India. 18 months down the line, the ethanol opportunity has played out as we expected and we have more clarity on this front. But at the same time, stock returns for our chosen candidate stand at just ~5% since our โ€˜BUYโ€™ recommendation even though it rallied over 30% and also fell by almost 20% in the interim. We think, this calls for an update.

Premium article available only to subscribers.

Read More
How is your insurance policy taxed?
Taxes
Pavithra Jaivant

How is your insurance policy taxed?

Some of us may be hoarse from shouting about why tax benefits should not be the reason we buy insurance. Shouting notwithstanding, tax treatment remains a key consideration when buying insurance of almost any sort and this is what we look at in this article.
There are two points in time when the tax aspect will have to be kept in mind:
First at the time of premium payment
Second, at the time of a payout in the form of a claim being met or maturity benefits being paid out.

Read More
ULIP vs. Mutual Fund - where should you invest?
Mutual funds & ETFs
Pavithra Jaivant

ULIP vs. Mutual Fund โ€“ where should you invest?

As far as investment products go, ULIPs (short for Unit Linked Insurance Products) have the reputation of being the โ€˜bad boysโ€™. While investor wariness toward ULIPs in their earlier avatar was justified, they have evolved since their pre-2010 days following changes made by IRDAI. However, ULIPs have still not entirely managed to shake off their reputation. In this article, we pit the present day ULIP vs. mutual funds – and compare them on parameters such as their function, how they invest your money, liquidity, expenses and tax treatment and see how they stack up.

Read More
Critical Illness plan review: Star Critical Illness Multipay Insurance Policy
Insurance
Pavithra Jaivant

Critical Illness plan review: Star Critical Illness Multipay Insurance Policy

To secure your finances against health emergencies, Primeinvestor recommends combing a hospitalization plan with a critical illness cover. Our earlier article has discussed โ€˜What to look for in a critical illness health planโ€™ in detail. We subsequently shortlisted a few critical illness covers, from which we reviewed Activ Secure Critical Illness Plan by Aditya Birla Health Insurance, Criti Care policy by Bajaj Alianz General Insurance and IFFCO Tokioโ€™s Critical Illness Benefit Policy.ย Here, we review the Star Critical Illness Multipay Insurance Policy. We think this plan has a good structure without being over-complicated.

Read More
How to use the free look period
Insurance
Pavithra Jaivant

How to use the free look period

If one acts quickly, a bad or unsuitable insurance purchase can be reversed. Here, we tell you about how you can use the free look period in life and health insurance policies to your benefit.

Read More
How are deposits, bonds and debt funds taxed?
Taxes
Pavithra Jaivant

How are deposits, bonds and debt funds taxed?

Deposits, bonds and debt funds are great ways to diversify oneโ€™s portfolio. But the taxation on these instruments can decide whether an option is attractive or unattractive on a post-tax basis. Taxation, though varies across instruments and can be quite complex. The fact that not all debt instruments are taxed in the same way compounds the decision making dilemma on which option to choose. This write-up will break down the taxation aspect of popular debt instruments for resident individuals.

Read More
Higher rates offer a window of opportunity for NRIs
Bonds & Deposits
Pavithra Jaivant

Higher rates offer a window of opportunity for NRIs

If you are an NRI, the chances are that you usually keep an eye out for places to park your surplus earnings in India that are safe, will protect you from exchange rate changes and fetch a respectable return. You probably already have NRE deposits and FCNR(B) deposits, the bank FD equivalents for NRIs. But did you know that there have been recent regulatory relaxations by RBI that give you a window of opportunity to lock into higher rates on these tried and tested savings tools? Here is a closer look.

Read More
Adani and Holcim cement the deal โ€“ now what?
Stocks
Pavithra Jaivant

Adani and Holcim cement the deal โ€“ now what?

Last month, we analysed the cement industry in detail. In this analysis, weโ€™d noted a few points โ€“ one, that there has been consolidation in the space, two, that companies had been deleveraging, and three, that margins have been under threat owing to pricier energy and inputs.

Read More
Cement Industry
Research Reports
Pavithra Jaivant

Cement Industry: 5 things to know before you choose a stock

Indiaโ€™s cement industry has always been a good proxy for the core economy, with steady volume growth and players enjoying considerable pricing power unlike other commodities. With cement industry leaders such as UltraTech Cement, Ambuja Cements, Dalmia Bharat and Birla Corporation correcting between 10% and 20% in the last 3 months, could there be an opportunity? We take a deep dive into the cement industry to assess its prospects.

Read More
Login to your account
OR

Become a PrimeInvestor!

Get stock & mutual fund recommendations

or
Have an account?
Login To Your Account
OR
Donโ€™t have an account ? Register for free