Financial Literacy

Publication: Business Standard, Mumbai;   Date:Sept. 12, 2010                  Savings rate deregulation, if implemented, is likely to lead to high volatility in returns. There is a lot of buzz around Reserve Bank of India’s (RBI) thought process on deregulation of savings account interest rate. How will a deregulation of savings account interest rate affect you. A savings […]

Publication: Business Standard, New Delhi;   Date: Aug. 1, 2010;    A proper recce of the house and area may help clinch a great deal During the monsoon, construction activity slows down and very few projects are launched. Every year, between March and September, builders find themselves in a situation when buyers are few. Reason: Many people consider […]

Publication: DNA Mumbai;   Date: March 2, 2010;    Section: Miscellaneous;   Page: 8 Heres a way you can teach your kids to be financially literate at a very early age. Mumbai-based financial planner Amar Pandit, who has advises celebrities, NRIs, corporate head honchos, et al, on their finances, has decided to impart financial literacy among children through his new book. […]

Publication: Business Standard, Mumbai;   Date: February 12, 2010                   Compare the post tax returns and tenure of debt instruments before investing. Last week, the first indications of a rising interest rate regime emerged. For one, Union Bank of India announced an interest rate of 7.25 per cent on fixed deposits for 550 days. Also, L&T Finance […]

 Publication: Business Standard, New Delhii;   Date: Jan 3, 2010;    During uncertain times investors flock to pharmaceutical stocks. Here’s how to evaluate them. Pharmaceutical companies are seen as defensive stocks. During uncertain markets, there is a flight towards pharmaceutical stocks as they are considered more stable than other sectors. However, one needs to be careful in selecting which […]

Publication: Business Standard, Mumbai;   Date: December 13, 2009                  Beware of investment products that promise the moon. A friend recently asked, “Is there some HDFC Standard Life or ICICI Prudential Insurance single-premium product that will double my money in five years?” Quite a surprising question because insurance companies, even if they are selling unit-linked insurance plans, […]

Publication: Business Standard, New Delhi;   Date: Dec 6, 2009;   Investment decisions based only on current events can lead to Serious losses. A disciplined approach is better Last week, the headlines of almost all newspapers screamed panic on Dubai’s attempt to reschedule its debt. The event reminded a lot of people of the Lehman collapse in […]

Publication: Business Standard, Mumbay; section Product Analysis; Date September 13, 2009 Child insurance policies on offer are still inferior to pure term policies. It’s hard to miss the Religare Star Child Plan advertisement on television, where a child is playing a guitar like a rock star. Like most life insurance commercials, this one also hits […]

Publication: Business Standard, Mumbai;   Date: Sep 6, 2009;    Section: Markets & Investing; Non-convertible debentures have some real benefits over fixed deposits. The spate of interest rate cuts in the past several months has left fixed income investors with very few options. Rates offered for the traditional favourite, bank fixed deposits, have been hovering in the […]