Readymade Pension Plans/ Retirement Plans:
The existing pension plans/ retirement plans in India are from the insurance companies. They are available in the form of traditional products or in the form of ULIP schemes.
Archive for the ‘Personal Finance’ Category
Say No to Readymade Pension Plans; Say Yes to Customized Retirement Planner for India
February 13th, 2012 
Malvika 
Posted in Personal Finance 
Tags: Cagr, Debt Funds, Fixed Deposits, Fund Management, Indian Insurance Companies, Insurance Policies, Management Expenses, Mutual Funds, Pension Plans, Plan Retirement, Ppf, Prudent Investor, Retirement Insurance, Retirement Plan, Retirement Planner, Retirement Planning, Term Debt, Term Insurance, Traditional Pension Plan, Traditional Retirement 
Comments OffUnderstanding taxes on rental income and property sale
February 13th, 2012 Malvika Any information educating on the tax format and system is welcome; well, this article below will educate you about the thick and thins of the tax system on properties rented and the possible profit after the sale of a property.
Posted in Personal Finance Tags: Capital Gains, Collection Expenses, Computing, Home Loan, Incomes, Insurance, Insurance Premium, Locality, Prope, Property Insurance, Property Interest, Property Tax, Renovation Loan, Rent Property, Rental Property, Repair Maintenance, Salary Income, Tax Returns, Taxable Income, taxes Comments OffSay No to Readymade Pension Plans; Say Yes to Customized Retirement Planner for India
February 10th, 2012 Malvika Readymade Pension Plans/ Retirement Plans:
The existing pension plans/ retirement plans in India are from the insurance companies. They are available in the form of traditional products or in the form of ULIP schemes.
Posted in Personal Finance Tags: Cagr, Debt Funds, Fixed Deposits, Fund Management, Indian Insurance Companies, Insurance Policies, Management Expenses, Mutual Funds, Pension Plans, Plan Retirement, Ppf, Prudent Investor, Retirement Insurance, Retirement Plan, Retirement Planner, Retirement Planning, Term Debt, Term Insurance, Traditional Pension Plan, Traditional Retirement Comments OffAre ‘freebies’ free?
February 10th, 2012 Ziaulla Namani Freebies offers are pullers, but think twice before subscribing to any of the freebies offers, as they almost like a cobweb. One should keep into account that nothing is for free and hence should save her/himself from falling prey into the web of unwritten “promises”, it may become a difficult task to recover one’s money in the present world of complex financial products and increasing competition among financial firms.
Posted in Personal Finance Tags: Asset Management Firms, banks, Bread And Butter, Ceo, Commissions, Credit Card Users, Department Of Financial Institutions, Executive Manager, Financial Express, Financial Services, Free Freebies, Insurance Companies, Nbsp, New Business, Prey, Products Gifts, Promises, Slab, Source Financial, Thin Margins, Wealth Manager Comments OffLeak Proofing your Personal Finance to build Wealth
February 6th, 2012 Malvika Financial plumbing
Many have a tendency to complain about inflation, taxes and EMI’s as deterrents to saving and investments. But the question is are we making a conscious effort to save and control spending?
Posted in Personal Finance Tags: Cigarettes And Alcohol, Colleagues, Confidence, Conscious Effort, Deterrents, Emi, Girish, Inflation, Intention, Investments, Leaks, Lifetime, Liquor, Malls, Multiplex, Necessary Expenses, Personal Finance, Plumbing, Rs 1, Tendency Comments OffTo be or not to be in equity
February 6th, 2012 Malvika Are You a Lender?
A study revealed that only 47% of Indian households had bank account. In addition every 3 out of 4 households had a quarterly bank balance of only Rs.5000.
Posted in Personal Finance Tags: 3 Out Of 4, Allotment, Bank Balance, Debenture Holders, Debentures, Developing Country, Fixed Deposits, Fixed Interest, Further Study, Households, Indians, Interest Income, Interesting Facts, Lenders, Quarterly Bank, savings account, SBI, Shareholder, Tata Motors, Transaction Fees Comments OffHousing finance a priority sector for weaker sections
January 30th, 2012 Malvika The apex bank of India, Reserve Bank said it is considering categorizing housing finance for weaker sections as priority sector lending by early next month to ensure adequate flow of credit.
Posted in Personal Finance Tags: Adequate Flow, Ambiguities, Apex, Apex Bank, Bank Loans, Bank Of India, Deputy Governor, Due Diligence, Eligibility Criteria, Inconsistencies, Loan Amounts, Loan Limits, Managing Director, Nair, Priority Sector, Segment, Terms Of Reference, Types Of Borrowers, Union Bank, Union Bank Of India Comments OffHow to choose the best available Mutual Fund?
January 30th, 2012 Ziaulla Namani If you want to invest in mutual funds, you will be required to flip over 1,000 mutual fund schemes that are offered by all the fund houses put together.
Posted in Personal Finance Tags: 10 Years, Financial Goal, Invest One, Investment Goals, Investment Guru, Investment Objective, Investment Objectives, Manageable Number, Mandate, Momentary Loss, Mutual Fund Schemes, Mutual Funds, Nbsp, Period Of Time, Risk Profile, Short Period, Simple Questions, Steady Appreciation, Traveller, Trying Your Luck Comments OffIndian tycoons put Dubai in Billionaires list
January 27th, 2012 Ziaulla Namani Superrich business tycoons from India has strengthen Dubai’s position as the city with the most billionaires in the Middle East, according to a latest index that ranks Mumbai fifth largest hub of billionaires.
Posted in Personal Finance Tags: Accounts In Switzerland, Bahrain, Business India, Business Tycoons, Concentration, Emirate, Hong Kong, Hub, Indian Business, Indians, Middle East, Moscow, New Zealand, Pakistan, Saudi Arabia, Scrutiny, Senior Analyst, Singapore, Uae, Unrest Comments OffFinancial Planning Lessons from Republic Day
January 24th, 2012 Malvika Independence Day
India obtained its independence from British Rule on 15th August 1947. India became independent and wants to develop and prosper with its own decisions.
Constitution
Though we are independent, we were not having our own constitution.
Posted in Personal Finance Tags: Amendments, Buying A Property, Children Education, Complete Education, Constitution Of India, Exponential Growth, Financial Goals, Financial Planning, Financial Principles, Guiding Principles, Independence Day, Independence Day India, Investment Decisions, Methodologies, Methodology, Plan Details, Rahul, Republic Day, Right Time, Th Jan Comments OffIndian Inc optimistic about growth
January 18th, 2012 Ziaulla Namani The business outlook of Indian entrepreneurs for 2012 is resilient despite economic turmoil the world-over, with “unreserved optimism” for the growth prospects of the Indian economy this year, says a survey by global consulting major Grant Thornton.
Posted in business, india, Personal Finance Tags: Acute Shortage, Business Outlook, Economic Environment, Economic Gains, Economic Turmoil, Emerging Economies, Global Consulting, Global Outlook, Global Slowdown, Grant Thornton, Growth Prospects, Indian Businesses, Indian Economy, Indian Entrepreneurs, Internatio, Pessimism, Shastri, Skilled Workforce, Sole Provider, Thornton Report Comments OffGuide to NRIs taxation.
January 18th, 2012 Ziaulla Namani Here are some exemptions and tax-saving tips that non-resident Indians can avail of
Taxes applicable:
Income which is earned outside India by an NRI is not taxed here.
Posted in Personal Finance Tags: 1 Lakh, Capital Gain, Capital Gains, Dependent Parents, Education Loan, Fcnr Account, Foreign Currency, Health Insurance Policy, Income Tax Return, Interest Income, Interest Payment, Life Insurance Policies, Nre Account, nri, Pension Plans, Ppf Account, Stock Exchange, Tax Saving Tips, Threshold Limit, Transaction Tax Comments OffPrinciples and Decision-making for wealth creation
December 30th, 2011 Malvika Whenever people have surplus money, they want to invest. When they invest, they just want to act or execute. They don’t want to spend time on understanding the product and various investment strategies.
Posted in Personal Finance Tags: Debt Funds, Derivatives, Equity Funds, Fixed Deposits, Higher Degree, Investing In Stock, Investing In Stock Market, Investment Decision, Investment Decisions, Investment Strategies, Mediocre Product, Moods, Prey, Quick Way To Make Money, Share Prices, Stock Markets, Surplus Money, Ulips, Wealth Creation, Wrong Decision Comments OffHow to be proactive on your potential financial problems?
December 30th, 2011 Malvika Most of today’s problems are yesterday’s challenges overlooked. It is always considered a wise thing to perceive problems before they arise and attend to them at the earliest.
Posted in Personal Finance Tags: Accounting, Bonus, Cash Flow, Countryside, Debts, Electricity, Feeling The Pinch, Installments, Insurance Premiums, Must Take Into Consideration, Petrol, Pointers, Possible Solution, Proactive, Refrigerator, Salary, Spending Habits, Split Air Conditioner, Splurge, Summer Heat Comments OffHave You Done Your Financial Spring Cleaning?
December 29th, 2011 Malvika A Financial Planning experience with a client:
It was just another day that a new client came to us for financial planning. He wanted to know if he had planned well for his family financial goals. As a general procedure, I suggested that a study would help me come out with a comprehensive financial planning to meet his goals.
Posted in Personal Finance Tags: Certified Financial Planner, Dependent Children, Ethics, Financial Commitments, Financial Goals, Financial Planning, Financial Situation, Insurance Coverage, Investment Consultant, Investments, life insurance, Risk Management, Sudden Death, Term Insurance, Term Policies, Ulip, Ulips, Wealth Creation, Wealth Preservation, Wealth Transfer Comments Off
