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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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Life Insurance for Every Reason

Life is full of surprises and all the surprises life has to offer you need not always be pleasant ones. So, the question that arises is how many life threatening warnings you will require to get yourself and your family safeguarded with the aid of an insurance policy. Well, if you haven’t given it a thought yet let us take you on a brief stroll to make you realize the importance of life insurance policy and its different types. What is life insurance policy? Life insurance is a policy that one purchases from a life insurance company. It acts more as...
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How to open a bank account?

  1. Either you can go online and follow the steps given on a Bank’s website or 2. Visit the nearest Branch of the Bank you have chosen and initiate the opening of your account.   Choosing the right bank and the type of account are the main points to consider before you open an account. Most people start with an Easy Access Savings Account. Nowadays, there are so many types of accounts available, each with many different features. It is easy to find a few which are perfect for your needs but in the end, it comes down to which...
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Term Insurance Plan: Which Policy Are You Planning to Purchase?

The internet has transformed the manner in which we communicate, find information as well as conduct different businesses. Not only has it led to convenience and speed of conducting business transactions, but the entire domain of e-commerce has revolutionized the way we buy essential products. Almost each and every business, banking sector, retail store, etc. has its presence online, enabling electronic payment methods via debit/credit cards or even through Net Banking. So, instead of worrying how to go about purchasing an insurance policy for yourself or your loved ones, get online and browse through the variety of options that are available...
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Why 2014 is the Best Time to Buy Property in Hyderabad

If you’ve not heard about the turmoil that has been simmering in Hyderabad over Telangana, there’s a good chance that you are from another planet. Jokes apart, any kind of sociopolitical unrest in a region is bound to have some sort of impact on real estate price trends.   The same stands true for Hyderabad with prices having plateaued or even bottomed out in some localities during the period of the turmoil. But political uncertainties don’t last forever and here lies the opportunity for individuals looking for an opportune moment to make an entry in real estate investments. Market watchers believe that...
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Mediclaim: Your Immediate Life-saver

Has the sky ever fallen on you under the guise of medical bills? If high medical bills have managed to burn a reasonable hole in your pocket, then it would be advisable to save a certain portion of your regular income towards mediclaim or health insurance. The thought of spending the entire savings on a medical bill can be daunting for an average middle income person. In the eventuality of unforeseen medical bills and rising inflationary trends, they can land on us like a ton of bricks leaving us in precarious financial state of affairs. A timely investment in the form...
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How the Super Rich Are Investing Smartly In Mumbai Real Estate

When it comes to price trends and investment in real estate, Mumbai is right there at the top among other major international cities.  South Mumbai – best known as the heart of Mumbai, acts as the central business district of Mumbai. Stating that it’s the richest zone in Mumbai, it is home to some of the most affluent and celebrated families in the country. Being the most elite town in Mumbai, it houses Mumbai’s richest families and has been attracting loads of investors from all over the world.   The Trend of Building Palatial homes   The homes of some of...
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Which Health Insurance Policy Fits You Perfectly?

“If I were a rich man! Yubby dibby dum!” We all love humming similar tunes to man singing his tune on The Fiddler on the Roof. Even a rich man cannot buy health in today’s world of increased pollution and disease threats. Health is now more valuable than gold and diamonds. Hence, the surge in the number of insurance companies available in the market today is understandable. Investing in one’s health is more valuable than investing in high-yielding stocks and bonds. Yet, not all health insurance plans are suited for all. Based on one’s lifestyle and family size, it’s important to...
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Why is Term Insurance Financially Important?

Has your financial situation improved with the changing inflation rates? Debating over the government policies will not change your financial situation, overnight. It’s best to begin reorganizing your finances so that you will not be looking down at a barren account, at the end of the month. Including a term insurance within your financial plan is the smartest decision to beat your upcoming financial woes. We take a brief look at the essential ways in which a term insurance can help you meet your financial woes.   Why should you take term insurance? Till what age are you planning to work?...
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Learning Trade Options – Tips for First Time Traders

I know it can be difficult getting started with options trading since it involves planning, money management, right trading psychology, and lots of risk. However, option trading has its own benefits when compared to other investment verticals. Too often, traders jump into the game with very less or no understanding of options. Option trading gives you the flexibility to put money on specific market outcomes. It therefore is a quick way of making money, and an easier way to lose them too. Basically option trading is a method of studying the game of stocks and betting your mind against the market....
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Commodity Market: Post Budget Analysis

Commodity Market - Post Budget Analysis

The world of commodities is truly a fascinating one. The market tends to surprise each participant on a daily basis as far as fluctuating prices of commodities are concerned. Be it a trader, speculator or an arbitrager everybody wants to maximize his or her gains by predicting the accurate price of the commodities.

Trade concerning commodities has become an excellent avenue for people who wish to diversify their investment portfolio. Earlier, investors preferred to invest only in stocks, mutual funds or real estate. But, with the tremendous opportunity that came in the form of commodities, people have realized the potential of this market and since it is currently at a nascent stage in India, it provides an impetus to market participants to get started as early as possible to maximize their gains.

 

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Online Share Market Trading – The Best Way to Earn Maximum Funds

Trading in shares and securities has always been the best option to invest and earn maximum returns on a regular basis.  Here traders buy shares and stocks at a cheaper price and sell it, when their price shoots up. The difference between the prices is the profit. The traders wait for the right time to sell the securities, so that they can earn maximum funds on their money invested. An expert trader usually has no issues in buying and selling the shares, as they are aware of all the facts of the market. However, with novice traders the situation is different....
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Cheaper Roaming Rates to Hurt Telecos’ Profits

In India, the telecommunication market is dominated by Airtel with 29.9 % market share, Vodafone (23 %), Idea (15.7 %), Tata (8.2 %) and Reliance (7.8 %).  There is a growth of 3.7 % in the industry gross revenues.  A total of Rs 38,750 crore were earned in the last quarter of the FY-2012-’13. Telecom Regulatory Authority of India (TRAI) recently announced that the roaming rates will be slashed by at least 57 %. This news has made telecom services subscribers happy, but for major telecom players in the market, it will hurt their profits. However, the telecom companies are heaving...
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Depreciating Rupee: A Sign of Worry

Indian currency experienced an all time low in May-2013.  The depreciating value of the currency is a sure-shot sign that something is amiss in the economy. The trend, as experts predict, will continue for some time in spite of heavy foreign fund flows. Indian currency is shoved down because of one prime reason, i.e. the continuous surge in gold imports. In April 2013, India imported a total gold of worth $7.5 bn. It was a sharp jump from $3.1 bn in March 2013. The total trade deficit of the country was amounting to a total of $17.8 bn in April 2013....
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Why you should use internet/ mobile for trading

Some years ago, if you bought or sold shares of a company, it took at least three weeks for you to get the share certificate or money for your trade. Today, instant communication allows you to trade through the online and mobile platforms from the convenience of your home, car or office. In a fast-paced world, it takes just a few minutes for things to turn on its head. In that context, all investors should be able to get in and out of the market whenever they want to. The new online and mobile trading platforms bring a level playing field...
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MBA VS. CFA: Here's How To Decide Which One To Get

Written by: Linette Lopez

There comes a time in a Wall Streeter's life when he or she must make a decision about how to advance their career.

For many that means deciding whether to head to Business School for a Masters in Business Administration, or to take the Chartered Financial Analyst exams — the CFA.

These are two completely different ways of skinning a cat, and there are pros and cons to each.

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All You Need to Know About NRI Investments in the Indian Stock Markets

NRI investments in the Indian capital markets continue to be a minuscule number compared to the inflows seen in bank fixed deposits or other avenues of investment.   The primary reasons attributed to the subdued interest in stock market investments is the lack of clarity and know-how as well as people being largely unaware of the immense potential the stock market has to offer in terms of returns on investment. And quiz any NRI investor about his reluctance to invest in the Indian share market and most would echo similar sentiments that point towards the exhaustive paperwork and documentation as well as...
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Top Questions Answered About the Rajiv Gandhi Equity Savings Scheme

There has been a lot of buzz lately surrounding the new Section 80 CCG introduced in last year’s Union Budget that allowed investors to claim deductions in lieu of investments made in the Rajiv Gandhi Equity Savings Scheme. Popularly known as the RGESS, the investment scheme was launched with the ultimate objective of providing investors an additional avenue to save tax as well as grow their investments.  There have been a lot of queries revolving around the nitty-gritty of how exactly one can go ahead and make investments in the scheme and whether it would be worthwhile to invest in the...
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CFA Institute's India Investment Conference

b2ap3_thumbnail_cfa-logo.pngBy Saneil Shah 11th January, 2013 Mumbai   The India Investment Conference 2013 was kicked off by John Rogers, President and Chief Executive Officer, CFA Institute. He spoke about the lost in trust in the markets to allocate capital and risk after the global financial crisis in 2008.   The CFA Institute has recently launched Claritas Investment Certificate (learn more), which is a comprehensive global education program designed to give employees in the investment industry a clear understanding of their industry and their responsibilities within it. (DG has started a new discussion thread on Claritas in the Forum)   The conference had an impressive line of speakers and...
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Tax Implications of Investments in Gold

Investment in Gold and Related Tax Issues When an Assessee makes an investment in gold, it does not have any tax implications. However, any income received from the sale of items made of gold does attract taxes. The Income Tax Act of 1961 clearly states that silver, gold, and platinum ornaments or ornaments made from any other precious metal, precious or semi-precious stones, whether standalone or part of any furniture, utensils and any other articles, or worked upon or sewn into clothes etc. are considered Capital Assets. The taxable income that one receives upon sale can therefore be treated as Short-term...
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The Impact of Interest Rates On Equity Markets

Every bank adheres to the interest rate set by the central bank, in its country. The central bank in India is the RBI that decides the interest rate, which other banks have to abide by. In case of shortage of funds, banks borrow funds from the RBI, and the money is lent at the repo rate that is then deemed as the benchmark rate. Hence, every increase and the decrease in the repo rate have its repercussions on the life of a common man. An increase in repo rate will make it difficult for banks to borrow from RBI, resulting in...
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