LEARNING


Moneylife Digital Team 27 January 2011
How to get hold of your provident fund amount For employees shifting jobs, gaining access to their hard-earned money lying in the provident fund (PF) account with the previous employer is a tricky affair. But, the 8.5% return that the PF account generates on a compounded basis is far superior...

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Moneylife Digital Team 27 January 2011
How overconfidence mars our investing decisions Humans are known to possess several biases that hurt their decision-making abilities, especially under uncertainty. Overconfidence is perhaps the most widely prevalent behavioural malady. It may be less harmful in life but is fatal in investing....

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Moneylife Digital Team 13 January 2011
If you think that the recent spurt in the price of your favourite stock was due to its growth prospects, you might have to think again. The spate of share price manipulation stories that have emerged lately makes one thing clear—there is widespread price-rigging across the stock markets in the...

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Moneylife Digital Team 13 January 2011
When it comes to investing, our minds are prone to frequent bouts of insanity, sprinkled with an assortment of behavioural quirks, misconceptions and biases. Loss aversion is a behavioural malady that plagues the investor community. It refers to the tendency of investors to have a strong...

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Moneylife Digital Team 30 December 2010
Interest rates do not always dictate stock prices The central bank’s monetary policy reviews and actions are covered extensively by news channels, analysts and the like. Even a 0.25% change in the key rates is met with a flurry of activity, with market experts and economists providing a...

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Moneylife Digital Team 30 December 2010
What has been, will be… Our moods can cloud our judgement when it comes to taking investment decisions. Human psychology is a breeding ground for such behavioural maladies that influence the way we approach investing. One cognitive bias common among investors is the ‘recency effect’—where...

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Moneylife Digital Team 18 November 2010
There is no end to the number of myths that circulate in the investment world. When it comes to financial planning too, there exist some misconceptions that, if followed blindly, could potentially put you at a loss. A popular notion among investors and one that is prescribed routinely by many...

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The purpose of investing is to make your money work for you and not the other way round. What often happens is that you feel that your money is seemingly growing, but, when adjusted for inflation, it is actually shrinking. And while your money is shrinking, a lot of others are making your money...

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Moneylife Digital Team 18 November 2010
Ratio analysis is a critical tool to identify fundamentally strong and reasonably valued companies. While taking stock investment decisions, experts may sift through a gamut of ratios to arrive at their final choices. However, for the lay investor, it is neither advisable nor necessary to plough...

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Moneylife Digital Team 29 October 2010
Everybody dreams of owning an apartment. Nowadays, people don’t wait endlessly to buy their own house, unlike their parents. With a decent take-home pay, sizeable savings and easy financing options, buying property at a young age has become possible. It could also work out to be a decent...

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Moneylife Digital Team 28 October 2010
Section 80C of the Income Tax Act offers a maximum deduction of Rs1 lakh, for investments in national savings certificate (NSC), public provident fund (PPF), life insurance premiums, equity-linked savings schemes (ELSS) and pension plans. If you have already exhausted the limit of Rs1 lakh and...

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Moneylife Digital Team 27 October 2010
How many times have you received calls from a bank, declaring that you are the lucky customer who has been offered a free credit card, with no strings attached? Such cards were peddled aggressively by banks a couple of years ago. Such calls have reduced considerably; but, even today, credit...

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Moneylife Digital Team 30 September 2010
We look at some crucial details regarding mutual fund investments, why insurance should not be considered an investment and why investors tend to make mistakes Common misconceptions about mutual funds Most investors prefer to invest in mutual funds (MFs) rather than trying their hand at...

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Moneylife Digital Team 21 September 2010
We look at gold as an asset class, making the best out of reverse mortgage and the mechanism behind systematic investment plans Is gold really a hedge against inflation? Today, two things are conspiring together to give gold its sparkle - the high level of inflation in the country and the...

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Moneylife Digital Team 18 September 2010
Until a few years ago, initial public offers (IPOs) of companies created quite a lot of excitement and enthusiasm among investors. IPOs carried the promise of making investors a whole lot richer overnight, enticing them to take the plunge regardless of the fundamentals or valuations. Moneylife...

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Moneylife Digital Team 23 August 2010
All parents dream of offering their children the best education. As the child progresses through the years, they realise (often too late) that this dream comes at a sizeable cost. The result is that parents are faced with a crisis situation when the child needs their support the most. Very...

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Moneylife Digital Team 12 August 2010
When investing in a mutual fund (MF), investors are worried mainly about the returns it would generate. Hardly anyone gives a thought to the costs involved in staying invested in the fund. But these costs are what will impact your returns finally. They steadily eat into your returns, no matter...

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Moneylife Digital Team 29 July 2010
“I am an investor in Jayabharat Credit Ltd’s FD scheme. My FDR no is XXXX. It matured on 14 May 2010; however, the company has not repaid the principal amount till date. I have called them many times and they keep giving some future date. So please advise how I should proceed to get back my...

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Debashis Basu Debashis Basu 25 January 2010
“Don’t fall in love with your stocks; they can’t love you back.”— Anon. “In the long run, we are all dead.” — John Maynard Keynes Looking for a stock for the next decade? It makes no sense One of the commonest questions investors ask is: “Which stocks are really great for the long term? It...

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Debashis Basu Debashis Basu 28 December 2009
Our occasional articles in this section bring you essential truths about the markets When you buy a call option of Tisco, you are buying a financial instrument that has been in use for centuries (of a company that is 90 years old), a product that, in some form or the other, has been used by...

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