The Biggest Problem with Price-to-Sales Ratio

The problem of inconsistency and how it can lead to erroneous conclusions... Ratios (or multiples) are a popular tool that many analysts employ to identify cheap stocks. Similar ratios (such as a Price-to-Earnings, Price-to-Sales, etc.) are compared across firms and a company with a lower multiple is considered cheap relative to one that has a … Continue reading The Biggest Problem with Price-to-Sales Ratio

Why you should think beyond fixed deposits

This is a story of two friends – Katrina and Deepika. Both of them got married in the year 1980. Katrina comes from a conservative family whose members mostly "invest" their hard-earned money in a bank fixed deposit. The reason was simple – fixed deposits are “safe”. There is no fluctuation and you consistently earn interest … Continue reading Why you should think beyond fixed deposits

Yes, the retirement landscape has changed!

People are living longer. Meanwhile, a lack of planning, the global economic crisis, and unexpected events have all conspired to lower the retirement income for many retirees. If you think you are well prepared to retire in style, think again. Recently, HSBC conducted a survey titled ‘The future of retirement – Life after work’, to … Continue reading Yes, the retirement landscape has changed!

Medical insurance norms get more consumer friendly

No arbitrary premium hikes at the time of renewal. Insurance companies will be required to disclose the reason for increasing the premiums; Claim settlement within 30 days of receipt of documents. If there is a delay, insurance companies will be liable to pay a penal interest; Reason for rejection needs to be specified by the … Continue reading Medical insurance norms get more consumer friendly