LIC Jeevan Shanti Annuity – Should You Buy

Often, new products from LIC are widely promoted. This has been the case with the new Single Premium Annuity Plan – Jeevan Shanti. This is billed as a non-participating, non linked plan – which has to be the case with annuity plans. A key feature of the plan is the deferred annuity option. In this […]

Annuity Plans – What, Why, and Why Bother

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Summary An ‘Annuity’ is a (financial) product that provides a steady, periodic income, over many years,  to the buyer. This part of annuity makes it similar to a pension. Probably due to this, annuity plans are popular in India. In this short article we consider the factors of annuity and look at who it is […]

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Saving Tax – What Not To Do

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  Summary After movies, cricket and politics,  tax savings is possibly the most popular topic in India. For a variety of reasons, Indians have been fascinated by the fact that they can save tax outgo by doing something. As an expert said, tax saving bias should be added to the list of biases that investors […]

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Best Mutual Funds – Selection using ValueResearch

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Best Mutual Funds? ‘Best Mutual Fund’ is one of the most common question/search term in personal finance. There are tons of sites that offer a list of Best Mutual Funds, Best Largecap Funds, Best Liquid Funds, etc. Most, but not all, of these sites also list the parameters that they have used to come up […]

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Best Mutual Funds – Selection using CRISIL Rankings

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‘Best Mutual Fund’ is one of the most common question/search term in personal finance. In this article we would look at an easy and quick way to shortlist mutual funds using CRISIL Rankings.

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Best Mutual Funds – Selection Guide

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Best Mutual Funds? ‘Best Mutual Fund’ is one of the most common question/search term in personal finance. There are tons of sites that offer a list of Best Mutual Funds, Best Largecap Funds, Best Liquid Funds, etc. Most, but not all, of these sites also list the parameters that they have used to come up […]

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Mutual Fund Dividends – Just say NO

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Summary All mutual funds in India have different ‘plans’ – they have a growth plan and a variety of dividend plans. Unlike dividends from stocks, mutual fund dividends are paid out from the fund corpus itself – any dividend then decreases the Net Asset Value of the dividend plan. While mutual fund  dividends are tax-free […]

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Mutual Fund – Buy, Hold, Sell?

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In a well-executed plan, reviewing your portfolio and taking the right actions is as important as, if not more important  than, the initial selection of investments. In India, you can assume that the choice of mutual funds during review is more than the initial choice of mutual funds. (The mutual fund industry in India is […]