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
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
Insurance policies are often marketed as a vehicle for investing money for your child's future or your retirement. But do they make for as sound an investment as they are made out to be? Lets find out...
Did you make any resolutions concerning your personal finances last January? If so, how did you do? Did you attain your financial goals, or you didn’t stick to your resolutions? January is a time to look back as well as look forward - review your financial performance for the past year, and then look for … Continue reading New year resolutions you can keep…
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!
If you want to start planning for your future but don’t know where to start, then the following rules may be of help you begin. Identify your financial needs and goals: The starting point of a sound investment plan is a clear understanding of financial needs and goals. The same is required for determining the … Continue reading 10 tenets to follow while planning investments
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