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| Gold ETFs don't offer SIPs |
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| I would like to invest in gold via Systematic Invest Plan (SIP ). Please name some schemes.
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| Invest in fewer schemes |
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| I am a 65-year-old retired engineer and live with my wife, 58. Both my children are married and well-settled. My wife and I have a mediclaim policy of base value Rs 1 lakh each (now approximately Rs 1.5 lakh). We would like to be financially independent all our lives. Advise me as to any change required in my financial plan, particularly with regard to regular investment in mutual funds.
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| When fees are better |
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| While annual cards are costlier than normal lifetime free cards, they have many additional benefits.
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| Time your stock sale |
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| The decision to exit your stock holdings is never easy. But it is important to keep profit-booking for better returns.
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| A cover for your largest financial investment |
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| Yes, you have just purchased your dream home and decked it up with all the goodies. But what happens, if there was a robbery or fire? A householder’s policy will come handy in such situations.
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| Policy momentum required |
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| The government has to play a bigger role in infrastructure development to improve valuations of related sectors.
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| Lagging behind in performance |
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| Quant funds should be used only for portfolio diversification, and are suited for high net worth investors.
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| When opportunities don't present themselves |
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| How to read the signal that your mid-cap or arbirage fund is likely to stop fresh inflows.
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| Before going ON a power trip... |
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| Investors did not have a very good experience with some of the recent Initial Public Offers (IPOs), especially from companies in the power sector, as many of these in the recent past traded to below the issue price. Most market participants believe the investors completely ignored the fundamentals and just focused on opportunities in the power sector.
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| Real estate's many layers |
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| You can purchase property Directly or go for Sect0ral stock picks and PMS.
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| PSUs' peculiar problem |
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| With profit-making not being the sole motive of public units, caution needs to be exercised while investing in their IPOs.
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| Three strong offerings |
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| Though not a stellar performer, it has impressed. In the first year of its launch (2005), it underperformed in all the three quarters it completed. Since then, it has managed to beat the annual category average every year, with its best performance in 2006, when it returned 60.3 per cent (category average: 54.2 per cent).
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| Start with balanced funds |
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| I want to start a Systematic Investment Plan (SIP). I wish to start by investing Rs 2,500-3,000 a month for the next 20 years and I am open to equity funds, too. Please advice about some good schemes I should invest in and how I should balance my portfolio by investing in more than one scheme.
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| Start young, start well |
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| Piyush Bhurangi, 26, a software engineer in Noida, UP, is getting married in November and wishes to have a long-term investment plan to suit a larger family. He invests Rs 1,000 each month in mutual funds via systematic investment plans (SIPs). Currently, on a take-home salary of Rs 25,000 a month, his expenses add up to about Rs 10,000, apart from investments. He has a term insurance plan of Rs 25 lakh, with additional death benefits (ADB), taken in September 2009. All his investments are tilted towards equities. While that wasn't a big problem as he is young, yet diversification is crucially necessary, as he is the only bread-earning member of his family right now.
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| Reduce interest, pay EMIs |
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| Issuers allow you to convert your credit card purchases to EMIs, but it comes with strings attached.
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