Financial Planning
Financial planning: Working Women & Investment Decisions

Astudy for DSP Blackrock conducted by Neilson reported that about 77% of working women in India depend on their father or spouse for making investment decisions for them. Of the 23% women who invest on their own, 18% are single working women.

“Most women are only informed of investment decisions already taken; or at best, are joint decision makers… Women are inclined towards safety and believe in long term investing. The main reason why women don’t take investment decisions is that they are safety oriented and reluctant to take risk,” the report noted.

Among working women, sole decision-makers in the urban areas stood at 24% while in the rural areas the number was 20%. Among non-working women, sole decision-making power was mainly with women in the metros.

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“Prices Unlikely To Rise”

Amidst stubborn escalation of prices in most of the real estate markets, HDFC chairman Deepak Parekh said the residential price escalation now seems to be a thing of the past. “My view is that real estate prices should come down, at least on the residential side. The days of prices shooting up have gone,” Mr Parekh told shareholders during HDFC’s  annual general meeting. He also said that the commercial real estate segment has collapsed and prices of commercial properties are unlikely to rise.

“If you look at the general property scenario, commercial real estate has collapsed across the country,” he said, adding that the IT, retail and office space are in surplus.

“In smaller cities they (residential prices) have gone up but they are reasonably priced in Tier II and Tier III cities,” he said, adding that his company’s growth is coming from small towns now.

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COMMENTS

hasmukh

4 years ago

It is true that there is tremendous supply of ready flats and property. There are many full page, coloured Advertisements in almost all newspapers for sale of property. But prices are not coming down as builders & developers are holding on to the flats, wanting to sell only at exorbitant prices : nothing less. In the meanwhile, their costs increase as they pay interest at very high rates of upto around three percent p.m.

Stamp Duty Can Be Paid Online

The Maharashtra government has introduced the e-Secured Bank and Treasury Receipt (eSBTR) which will be available online and offline. Issued by participating banks on special government stationery for payment of stamp duty and/or registration fees for stamp duty values above Rs5,000, the eSBTR will have around 25 security features, such as a watermark, background tint and security thread, reducing possibilities of duplication. It will be available in select branches of IDBI Bank in Mumbai and Pune; the entire state will be covered soon.

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