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News
Daily Update
MSSN Team
01 December 2016
A son, irrespective of his marital status, has no legal right to live in the self-acquired house of his parents and can reside there only at their "mercy", the Delhi High Court has...
Magazine
Companies & Sectors
Sucheta Dalal & Debashis Basu
26 November 2016
On 24th October, 2.30pm, the directors of Tata Sons met at the Bombay House, the headquarters of the Tata group. At the meeting were: Ratan N Tata, Vijay Singh, Nitin Nohria, Ronen Sen, Venu Srinivasan, Ajay Piramal, Amit Chandra, Farida Khambata and Ishaat Hussain. Mr Nohria and Ms Khambata had flown in especially for the meeting which...

Columns

Stocks
Moneylife Digital Team
25 November 2016
Stocks
Moneylife Digital Team
24 November 2016
Stocks
Moneylife Digital Team
23 November 2016
Stocks
Moneylife Digital Team
22 November 2016
Stocks
Moneylife Digital Team
21 November 2016
Must Read
MSSN Team
03 February 2016

SBI has introduced a Home Loan scheme 'SBI FlexiPay Home Loan', where the borrower has the option to pay the interest component in the first few years. This increases the loan eligibility by upto 20% as compared to the standard plan. Borrowers under this scheme have the the option of paying only interest during the moratorium......

Raj Pradhan
12 June 2015

The Delhi Insurance Ombudsman has awarded a senior citizen, Satish Shah (name changed), full refund of premium after his investment in a policy with HDFC Life of Rs3.2 lakh came down to Rs11,678 over seven years. The case highlights that the ‘generic benefit illustration’ which insurers gave in the past was a perfect mis-selling......

Reviews
Raj Pradhan
24 November 2016

Tata AIA Life launched three new products, Sampoorna Raksha—a non-linked non-participating term plan; Sampoorna Raksha Plus—a non-linked non-participating term plan with return of premium on maturity; and Vital Care Pro which is a non-linked non-participating health insurance plan covering critical illnesses. All the three......

Raj Pradhan
10 November 2016

Life insurance companies seem to be in a rush to enter cancer-specific cover segment. The first three cancer products in the market were offered by HDFC Life, Aegon Life and Max Life. They are compared in our article ...

A complete online guide for our premium subscriber every aspect of personal finance -- from annuities and bank accounts to Wills and zero-coupon bonds - all in the form of common questions and answers
Financial products are complex. They demand effort, time and interest. With this handbook, life is much easier. Whenever you are in doubt, all you need to do is to refer to it for factual and unbiased information. No need to wonder, no need to ask. The first section, Manage Your Money, makes you aware of all the financial products. The second section, Your Moneylife, explains how to handle money-related issues in real life situations and through different life stages.

Invest

Essentials
7 Essential Investing Principles

Investing is not too difficult if you keep these investing principles in mind.
Timing
Study after study has shown that returns from any market-linked product depends very significantly when they are bought. If you buy them high, you make less returns, or even losses. If you buy when they are low, you increase increase your chances of getting higher returns. Take a look
Low Valuation, High Returns if the starting PE is high , subsequent returns are usually low.
Conversely if the starting PE is low subsequent returns are high


Allocation
How would you divide your investments across different products such fixed income and equity funds? And should you vary the amounts depending on the market valuation? This is where our adaptive asset allocation strategy comes in.

RECOMMENDATIONS
Recommended Fixed Income Products

To invest smartly, you need to mix fixed income (for safety) and equity schemes (for growth). Bank deposits are by far the most popular form of fixed income products. But there are other equally good options too. If you are a premium member, check our recommendations on:

1. Bank Deposits
2. Corporate FDs
3. Tax-free Bonds
4. Fixed-Maturity Plans
5. Debt Funds
6. Liquid and Ultra short-term funds
7. Short-term Funds
8. Long-term Funds

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Recommended Equity Mutual funds
Using Investool:If you use InvesTool (which comes with an automatic market-timing option), it will give you our recommendations of two multi-cap and two mid-cap schemes

Not Using Investool: If you are not using the Investools and want a list of funds we think are good, check out our recommended funds

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Recommended Stocks
Panther, Antelope and Lion subscribers can download the latest stockletters by clicking the links below
 

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Investools

The Concept



Investools allocate your savings into different assets depending on market valuation. It helps you to decide all the three issues that faces an investor:

1. What to invest in: Product selection.
There are hundreds of investment products. Which are ones where you should put your money at a particular time? The tool will advise you.

2. How much to invest in: Asset allocation.
It's not enough to know which are the right products. You need to know how much to invest in which products. This is will make the biggest difference to your investment outcome

3. When to invest: Market-timing:
While investing regularly in fixed income products is fine, investing the same amount regularly in market-linked products may not be the best strategy. With Investools, you can buy more when the market is down and less and when the market is up.
Long Term
Wealth builder
Invest surpluses without specific goals
Specific Goals
Invest for Children's education, retirement etc.
Lump sum
Invest a lumpsum amount for the long term
Restructure
Fix your current investments with a two-step process
Short term




For short-term investments , you need to protect your capital. All products that are market-linked are unsafe for short-term investments. Which products are market-linked?

For short-term investments between 0-5 years, use this tool.

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Only Stocks




Use this tool if you know for sure how much how would like to invest in stocks every month or even occasionally. This is not an asset allocation tool that will divide your savings into different products based on your risk profile and financial condition.


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Insure Health

Essentials
8 Factors for Choosing Health Insurance Plan

In order to offer you choices, insurers create complex products, making it tough for you to compare them and choose. Policies are different from each other in terms of exclusions, conditions and fine print. If you slip on even one of the vital conditions, your claim may be rejected or cut down. Get answers to these 6 questions.

Tools and Recommendations
Our extensive research shortlists just a few options cutting through the hype, hyperbole, duplication, complexity and fine print.

Recommendations for health insurance is here (Premium) 

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These recommendations are also captured in the Health Insurance Selector Tool (Premium) 

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A premium subscription to Moneylife Smart Savers' entitles you to a Free Personal Accident insurance worth a sum insured of Rs2.5 lakh. If you are a premium member, you can download the free accident policy details here  

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That apart you can buy additional cover from these recommendations (Premium) 

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Insure Life

Essentials
9 Factors for Choosing Insurance Plan

Life insurance is supposed to protect your loves ones if something happens to you. But that is not what the insurance companies sell aggressively. They wrap the protection in a variety of investment products, such as endowment plans, children's plans, pension plans and unit-linked insurance plans (ULIPs). These give you terrible returns, after all the costs and charges while the insurer and agents earn large fixed commissions. Here is what you should keep in mind before buying life insurance.

Tools and Recommendations
Our extensive research shortlists just a few options cutting through the hype, hyperbole, duplication, complexity and fine print. We recommend only term plans.

Our Term Plan Recommendations (Premium) 

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Insurance Surrender tool (premium): If you have bought Child Plans, Pension Plans, ULIPs, Endowment, Money-back and Whole-life policies, your returns will be poor. Worse, exiting is not easy. You can Surrender, Go Paid-up or Continue. What should you do? If you surrender where do you invest and what new insurance do you buy? What are the tax implications? Use this tool to get answers  

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How much insurance do you need? A Basic tool (free)  

Save Tax

Essentials
5 Tips for Getting Tax Exemptions

To get the tax benefits under the Income Tax, you need to match them with your specific situation. A quick guide for salaried employees

Tools

Tax Rates on Income: What are the Income Tax rates on different investment Income? Use this tool to find out

Tax Rates on Capital Gains: What are the tax Rates on Capital Gains from different assets? Use this tool to find out

Calculate Capital Gains Tax (premium): Sold an asset and confused about the tax to pay. Use this tool to find out


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Tax-saving investment through relatives (premium): Investing money through your parents? Or through wife? Use this tool to stay on the right side of the tax laws

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Save tax fully (premium): Are you availing of all the tax-saving benefits available? Use this tool

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ELSS SIP (premium):


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Ask

The Concept

If you follow our recommendations you can stay out of problems of harmful financial products. But as a Premium Member, if you need direct one-on-one conversations with us, you can put your questions in the Ask us section. Your questions remain confidential.

Read Me First

While we welcome questions about your specific financial condition and our recommendations, there are some dos and don'ts. Please read this section first to know the kind of queries we will not be able to answer.

Put Your Query

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Hi,


Welcome to the redesigned site of MAS, which can be now be accessed easily in mobiles and tabs. You can now navigate to the section you wish to use directly from the home page. However, we have kept the dropdown menu the same, so the essential links remain the same. We have also expanded the profile section significantly and changed the membership form to ease of use. We hope to make further changes as we go along. Please do let me what you think of the changed site. I am available at [email protected]


Debashis
Co-founder

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