Articles by Ramalingam K
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All you wanted to know about Mediclaim Policy
Health care costs are sky rocketing day by day. Therefore the need for having a mediclaim policy for you and your dependents has grown. Suppose you have to undergo some medical treatment or need to be hospitalized for certain reason, then a mediclai
Is lack of time making you go crazy in your attempt to plan
Does your busy professional schedule offer you time to monitor your personal finance? Balaji is working for an MNC. Today he has got a deadline for a particular assignment. His day is fully packed. First thing in the morning, he receives a mail fr
Why investors are not making returns in the stock market?
In the last 10 years, sensex gas grown at 17.79% CAGR. That means, if someone could have invested Rs. 1 lac 10 years back, it could have grown to 5.14 lacs. In the last 10 years one third of diversified equity mutual funds have delivered a CAGR of mo
Factors To Consider Before Investing In IPO's
IPOs or initial public offering is best understood as the first public offering of shares by a private limited company before listing in a stock market. Looking down IPOs history of success and failure stories, you would be smart to fi
Real Estate Investments Made Simple
Gold and Real estate are very traditional investment avenues. Gold has evolved from its traditional investing and found its place in the modern sophisticated investment world via Gold ETFs. Similarly Real estate is also emerging as an investor frien
A step by step guide to first financial plan
Prabu was a college student till yesterday. Today he has got a job. He has changed his costume from T-shirt and jeans to a formal wear with a tie. When he got his first pay cheque, his father advised him to save, his girl friend asked him to take he
Stock market movements: A crucial factor to investment decisions or not?
Some days stock market goes up and some days stock market comes down. Some days it closes on green and some days it closes on red. Should all these stock market movements play a crucial role for an individual investor in making his investment decisi
Portfolio Management Scheme: A unique investment opportunity
What is Portfolio Management Scheme? Portfolio management scheme popularly known as PMS are specialized investment vehicle for lump sum investments. The portfolio manager invests the money in shares and other securities and manages the portfolio on
8 Family Budgeting Misconceptions demystified
Lets put on our thinking cap: Depositing our pay cheques in bank and using the credit and ATM card for spending seems easy. However keeping the track of your income and expenses, to get full value for your money is possible only with budge
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