Page 3 - Tipping Point

Tipping Point: Why are employers looking at candidates' credit reports?

One reason is that the Employers believe that a poor credit report reflects a lack of discipline and inability to manage his personal affairs properly

Looking for property in Rs 20-25 mn range? Current rate list of 7 cities

These are bonds whose returns are linked to an inflation index

Banking funds have fallen 7.77% in the past month. Should you be worried?

For investors, it would not be the right time to make any move, either buy or sell

Tipping Point: What does a rating watch review mean?

Rating agencies like Moody's, Fitch, CRISIL and India Ratings have placed the scam-hit Punjab National Bank (PNB) under rating watch

Why has Citibank banned use of cards to purchase cryptocurrencies?

In December, the finance ministry had likened virtual currencies to Ponzi schemes. The Reserve Bank of India, too, has issued repeated warnings

Tipping Point: What are common behavioural biases and harm in bull market

The result of these biases is that investors don't want to diversify their portfolios across asset classes or even across market caps

Tipping Point: What is price-to-cash ratio and where is it useful?

The ratio takes into consideration the stock's operating cash flows, which adds non-cash earnings such as, depreciation and amortisation, to net income

Tipping Point: Ways in which you should look at mutual fund returns

Each of these measures has its own pros and cons

Tipping point: What is modified duration?

If the modified duration is low, the net asset value (NAV) of the debt fund responds less to a change in interest rates, and vice versa

Tipping Point: How are EPF investments taxed?

No taxation at the time of investment, during the accumulation phase, and at the time of redemption

Tipping Point: What is a constant maturity gilt fund?

Constant maturity gilt funds guard against the risk of wrong duration calls by fund managers

Tipping Point: Should I think of shifting my home loan?

With public sector banks like SBI and Bank of Baroda announcing reduction in loan rates, this is a good time to check where you stand

Tipping Point: What is DTAA?

A non-resident Indian (NRI) first needs to check whether the income in question is taxable in India

Tipping Point: What are coupon rate, yield and yield to maturity?

When a bond is issued, issuer promises to pay investors some interest each year called the coupon

Tipping Point: What is margin of safety?

By investing in stocks that offer margin of safety, investors try to increase chances of returns

Tipping Point: What is the difference between a credit card, a charge card?

Credit cards come with a credit limit, whereas charge cards don't have a pre-set limit

Tipping Point: What is recency bias?

Recency bias refers to the tendency to allow recent events to affect our judgement excessively

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The PE ratio compares the price of the stock to its earnings per share

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It is a behavioural bias where investors tend to get attached to a certain benchmark or number

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Banks look at the average balance one maintains in a month