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Bond & Debt Fund Guide

by Hemant Beniwal November 9, 2011

To understand Bond Funds lets revise the meaning of Bond in financial market. Bonds are basically the money which you lend to the government or a company, and in return you can receive interest on your invested amount, which is back over predetermined amounts of time. Bonds are considered to be the most common lending investment traded on the market. What is Bond Fund So essentially, a Bond mutual fund will be combination of these ...

White Collar Crooks (aka Wealth Managers)

by Hemant Beniwal November 5, 2011

Watch out for the so called wealth management services offered by the banks. Your relationship manager from the bank will offer to do this for you. I often wonder how qualified these guys really are, they do seem to be smart guys and girls with MBA degrees, so I would assume they do understand what wealth management means. I have obliged plenty of these wealth managers during my last 3 years of experience in dealing ...

Types of Mutual Funds in India

by Hemant Beniwal November 2, 2011

People keep me asking why there are so many different types of mutual funds schemes in India. We have to understand that mutual fund is just the connecting bridge or a financial intermediary that allows a group of investors to pool their money together with a predetermined investment objective. And due to different investment objectives there are different types of mutual funds. The mutual fund will have a fund manager (team of experts) who is ...

How to make money with Credit Cards !

by Hemant Beniwal October 29, 2011

NO!! I am not a credit card sales man pestering people with free life-time cards or enticing them with special gifts to buy more cards, and send them down a debt spiral, while I mint my commissions on way to the bank! I’m just another common man who swipes his card day-in and day-out, at the groceries, at the petrol stations, at the super markets, and nudges around to pay the bills! Over a period, ...

How I reduced Rs 20000 from my annual expense with less than 8 hours of effort

by Hemant Beniwal October 25, 2011

The two important and expensive additions to the household budget of this generation have been the Mobile and Internet bills. You may not realize how much you spend on these utilities (yes – they are no longer luxuries – but utilities) but if you total up your bills at the end of each year, it will be a sizeable amount. What I realized though earlier this year is that these telecom companies are one of ...

Laxmi Ji or Saraswati Ji – whom should you worship this Diwali?

by Hemant Beniwal October 25, 2011

First of all, wishing you and your family a very Happy & Prosperous Diwali. Diwali is the most celebrated festival for Indians and we all light our homes with diyas. It symbolizes victory of Light over Darkness. We also do LAXMI PUJAN on this very auspicious day. But have you ever wondered at the time of performing puja that why Devi Saraswati Ji is always there along with Devi Laxmi? In our view, Laxmi Ji ...

Key to Wealth Creation

by Hemant Beniwal October 17, 2011

One of the hazards with my job is that wherever I go I am always on my job. My wife often gets annoyed with me as even in social gathering, I am talking to people something related to my job. And you know what people keep asking me more often in social gathering or otherwise: 1. Where do you think markets are headed? 2. Which is the best mutual fund now days? 3. Can you ...

“Timing” or “Time in” in Equity Markets

by Hemant Beniwal October 15, 2011

“The markets are looking bearish and it can fall further. I shall wait and watch and shall invest only when they start turning positive”. This is a not something which is unusual with the investors in stock market. Mostly people change their profession when it comes to investment in Share Market whether directly or otherwise thru mutual funds. They are Doctors, CAs, Engineer MBA etc. but as an investors in share market they become astrologers ...

A penny-wise consumer – A pound-foolish investor

by Hemant Beniwal October 11, 2011

Mrs. and Mr. Verma is one tough customer to handle. They haggles with vegetable vendors to save a couple of rupees, is always on the alert for sales and discounts schemes and quibbles with domestic help — the maid, the dhobi, the driver. They saves a few hundred rupees every month through these small bargains. And then they signs away thousands — sometimes lakhs — of rupees blindly in insurance or funds that brokers ask ...

Hot Equity Tips

by Hemant Beniwal October 10, 2011

Smart Fooling Tips Guaranteed: This is the perfect Word for such Ads, we Indians love Guarantee. Daily Profits: Just follow this & you don’t need to work. Perfect: Just Read “ALL” in place of “Many”. Truth: They are saying “We cannot be Successful without YOU”. Read what Bombay Stock Exchange(BSE) have to say. Such kinds of false promises are not only given in Equity Investments but also in Insurance & Other Investment Products. There are ...

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