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.
Posts Tagged ‘Fixed Deposits’
Principles and Decision-making for wealth creation
December 30th, 2011 
Malvika 
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 OffAnnual Bonuses Is The Time For Wise Money Management
October 4th, 2011 Malvika
The month of annual bonuses seems like paradise when we start planning in advance on how to spend it. This excitement will get us into impulses of spending on things that give momentary pleasure only.
Posted in Personal Finance Tags: Amount Of Money, Contingencies, Credit Card Debts, Economic Times, Education Loans, Fixed Deposits, home loans, Impulses, Investing In Mutual Funds, Investment Plans, Market Fluctuations, Meaningful Investments, Momentary Pleasure, Personal Loans, Rate Of Interest, Smart Person, Systematic Investment, Turndown, Vehicle Loans, Wise Money Management Comments OffFollow these four rules to get rich!
September 8th, 2011 Malvika Do you want to create wealth? Are you satisfied and happy as you are?
Most of us would answer the first question as Yes, and the second as No, and if you are one of them then you are at the right place at the right time.
Posted in Personal Finance Tags: Average Man, Debt Instruments, Depth Of Ocean, Fixed Deposits, Future Stock, Hearty Congratulations, Investment Portfolio, Investment Risk, Lower Taxes, Maxims, Old Person, Ralph Waldo Emerson, Right Place At The Right Time, Risk Calculation, Robert Allen, Secure Investments, Share Market, Stocks And Shares, Wallace D Wattles, Wealth Creation Comments OffIs lack of time making you go crazy in your attempt to plan your finance?
September 7th, 2011 Malvika
Does your busy professional schedule offer you time to monitor your personal finance?
Balaji is working for an MNC. Today he has got a deadline for a particular assignment.
Posted in Personal Finance Tags: Balaji, Compulsion, Crores, Driven Projects, Financial Consultant, Financial Objectives, Fixed Deposits, Hr Dept, Important Things, Investment Decisions, Lack Of Time, Last Date, Mahesh, Mail, Mnc, nri, Personal Finance, Present Project, Professional Financial Planner, Term Insurance Comments OffALL you wanted to know about Company Deposits
July 22nd, 2011 Malvika Company Deposits are simply nothing but fixed deposits in companies that earn a fixed rate of return over a period of time. Company deposits are really down-to-earth products.
Posted in Personal Finance Tags: Bank Deposits, Deposit Scheme, Doorstep, Earth Products, Financial Difficulties, Fixed Deposits, Interest Income, Investment Option, Investment options, Investment Planning, Investment Products, Loyal Investors, Meltdown, Novices, Poor Credit, Rate Of Return, Risky Investment, Simplicity Company, Stock Market Investments, Time Company Comments OffHow & Why Should you invest in Stock Markets Even After Your Retirement?
March 31st, 2011 Malvika Inflation and Retirement
Most Retirees feel great getting a bulk sum as provident fund and gratuity, and wish they knew a magician, who could spin their money 2 to 3 times in just 5 years, in addition to ensuring a regular return for their day to day expenses.
Posted in Personal Finance Tags: Appetite, Capital Gains, Fixed Deposits, Gratuity, Inflation Rate, Investment Advisors, Investment Decisions, Investment Planning, Life Span, Magician, Magicians, Pessimism, Provident Fund, Rate Of Inflation, Retirement, Rs 42, Senior Citizen, Share Market, Smart Investment, Stock Markets Comments OffIs lack of time making you go crazy in your attempt to plan your finance?
March 28th, 2011 Malvika Does your busy professional schedule offer you time to monitor your personal finance?
Balaji is working for an MNC. Today he has got a deadline for a particular assignment.
Posted in Personal Finance Tags: Balaji, Compulsion, Crores, Driven Projects, Financial Consultant, Financial Objectives, Fixed Deposits, Hr Dept, Important Things, Investment Decisions, Lack Of Time, Last Date, Mahesh, Mail, Mnc, nri, Personal Finance, Present Project, Professional Financial Planner, Term Insurance Comments OffSBI to raise capital of Rs 2000 crore through bonds
January 17th, 2011 Malvika India’s largest money lender State Bank of India (SBI) is planning to raise up to Rs 2,000 by offering bonds to retail investors in the next month.
Posted in News Tags: Bank Of India, Basis Points, Board Committee, Committee Members, Crore, Deposit Insurance, Face Value, Fixed Deposits, Green Shoe, Money Lender, Opening Day, P Bhatt, Retail Investors, Rs 2, Rs 2000, S Central, Shoe Option, State Bank, State Bank Of India, Third Quarter Results Comments OffUse FD overdraft to pay for big purchase deals
February 19th, 2010 Tushar Mathur To make payment of big purchase deals go for overdraft facility rather than taking personal loan or swiping a credit card. In case of personal loan or credit card you have to pay high interest.
Posted in business, india, News, NRI Banking, NRI Investing, Personal Finance Tags: Bank Of Commerce, Bank Of India, Banks Range, Financial Planner, Fixed Deposit Rates, Fixed Deposits, High Interest, Installments, Javeri, Leverage Funds, Minimum Interest, Oriental Bank Of Commerce, Overdraft Facility, Personal Loan, Personal Loans, Purchase Deals, Repayments, United Bank, United Bank Of India, Unsecured Loan Comments OffBest investment option for senior citizen to earn regular income
February 9th, 2010 Tushar Mathur Whether a person is employed or approaching the retirement age, everyone searches for investment avenues which are safe and can offer regular income. Although one can find various schemes of investment but security of money is most important factor.
Posted in business, india, News, NRI Banking, NRI Investing, Personal Finance Tags: Fixed Deposits, Fixed Income Instruments, Fixed Rate, Government Of India, Income Tax Act, Interest Income, Investment Avenues, Investment Option, Needs Of Senior Citizens, Nsc, Ppf, Rate Of Return, Retirement Age, Retirement Scheme, Rs 1, Savings Scheme, Scss, Senior Citizen, Shortfall, Tax Deducted At Source Comments OffInvestment options to Save Tax under Section 80C
February 9th, 2010 Tushar Mathur No one likes paying tax and it prompts everyone to look for options that may reduce their tax liability. There are many provisions to do this and one of the most common options is the tax deductions under Section 80 C of the Income Tax Act.
Posted in business, india, Mutual Funds, News, NRI Investing Tags: Absolute Protection, Employee Provident Fund, Encashment, Fixed Deposits, Income Tax Act, Interest Income, Investment Avenues, Investment options, Kid On The Block, Little Knowledge, Maximum Limit, National Savings, New Kid On The Block, Nsc, Public Provident Fund, Tax Deduction, Tax Deductions, Tax Liability, Taxable Income, Tuition Fee Comments OffBanks report surge in Casa ratio as against fixed deposits
February 4th, 2010 Tushar Mathur In the past few months term deposit rates have lost sheen as banks have reduced rates. Now people prefer to park their money in current account savings accounts (Casa) rather than investing their money in fixed deposits for longer duration.
Posted in business, india, News, NRI Banking, NRI Investing, Personal Finance Tags: Bank Of India, Banks Report, Current Account, December 31, Duration, Fixed Deposits, Hdfc Bank, Interest Rates, Investing Money, Private Sector Bank, Quarter Ended December, Rs 1, savings account, SBI, Sheen, State Bank, State Bank Of India, Term Deposit Rates, Term Deposits, Treasury Comments OffHigh inflation can reduced your fixed deposit close to zero
January 19th, 2010 Tushar Mathur Last year all the banks reduced their fixed deposit rates for almost every period. Currently, according to official inflation figure is above 7 per cent which is a bad news.
Posted in business, india, News, NRI Banking, NRI Investing, Personal Finance Tags: Bad News, Bse, Chief Executive Officer, Consumer Price Index, Cost Of Living, Current Rate, Eye Opener, Fds, Financial Planner, Fixed Deposit Rates, Fixed Deposits, Income Tax, Inflation Figure, Lows, Nominal Rate, Rate Of Return, Reliance Mutual Fund, Retail Prices, Sensex, Stock Index Comments OffFixed deposits come with more benefits
January 6th, 2010 Tushar Mathur Fixed deposits (FDs) a traditional investment option has been a vital part of every investor’s portfolio, due to assured rate of return. However FDs have been plain vanilla products with no additional benefits attached to it.
Posted in business, india, News, NRI Banking, NRI Investing, Personal Finance Tags: Accident Insurance, banks, Clauses, Fd, Fds, Finance Companies, Fixed Deposits, HDFC, Interest Rate, Investment Option, Investor, Lakh, Maturity, Offering Insurance, Rate Of Interest, Rate Of Return, Tenure, Traditional Investment, Vanilla Products, Worth Rs Comments OffBanks low-cost deposits share drop to a 10-year low
December 28th, 2009 Tushar Mathur In the recent times group of pubic sector banks has witnessed drop in their low-cost deposits, the drop is a 10-year low While individuals are preferring bulk deposits and more are depositing more money in fixed deposits, which offered higher interests a year ago.
Also, the opening of customer-savvy private sector banks is responsible for bringing down investments in low-cost deposits (savings and current account balances) at public sector banks.
This year public sector banks, savings and current account balances accounted to 31 per cent of their total deposits, which was 34 per cent in 1999 and was at peak of 38 per cent in 2066, as per the study conducted by Indian unit of London-based investment banking group, Noble.
But among the public sector banks there have been some of the exceptional banks like State Bank of India (SBI) and Bank of Baroda (BoB).
Posted in business, india, News, NRI Banking, NRI Investing, Personal Finance Tags: Bank Of Baroda, Bank Of India, Current Account Balances, Fixed Deposits, Hdfc Bank, Icici Bank, Investment Banking Group, Liquidity, Private Banks, Private Sector Banks, Public Sector Bank, Public Sector Banks, Retail Loans, Salary Accounts, SBI, State Bank, State Bank Of India, Term Deposits, Times Group, Wholesale Deposits Comments Off
