Notepad on Personal Finance

Friday, December 23, 2011

NCD, Pension Returns, Target Investment Plan, Gold Investing and More

Here are some updates on personal finance that you may find useful.

Questions, please ask here

Posted via email from Ranjan's posterous

Friday, December 16, 2011

Thank You For 1 Million Views

One Million Content Hits, Thank You

Posted: 15 Dec 2011 08:27 AM PST

Just noticed that my website crossed 1000000 content view hits. Thanks for reading. The site has content on 347 topics and growing.

1 Million!

The statistics are on the right sidebar, near the bottom of the website, if you are interested.

More importantly, thanks for your emails and calls that encourage me to share more and more information.

Thanks.

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Sunday, November 13, 2011

Useful Links on Personal Finance and More

Here are some links that you may like to read:

Higher Interest Rates for Small Savings Schemes: You get higher interest rates in your PPF and the max you can invest in PPF is up from Rs 70K to Rs 100K.
Overview of Financial Institutions Players In The Financial Markets: A primer on the players of the financial system
Deciding Between Personal Loans v/s Gold Loans: Some pointers on loans and their interest rates
The Basics of Buying Your First Home: Home loan guide
A Study on Physical Gold and Gold ETF: Everyone’s talking about gold. We too!

Any pointers on what I should write about? Thanks

If you are open to taking a significant amount of risk for capital appreciation, equity and equity related mutual funds are your best bet. That means if you are investing in equity MF’s through the systematic investment plan (SIP) route for your long term objectives, do not discontinue the existing SIP’s.

However, if you are conservative and think that the safety of capital is paramount, but still want returns better than what fixed deposits can offer, debt MF’s is the right fund for you. You can diversify across debt paper of varied maturity periods which will ensure safety of capital as well as optimum returns.

Selecting the right fund according to your risk appetitive is a very important aspect of investing as you yourself are going to enjoy the profits earned.