Tag Archive: Insurance


This is the post that I will try to put up in lay man language as most of my friends, relatives really wanted to blogunderstand why to invest or not to invest money under ELSS for section 80C.

So where all you can invest to save tax if you are salaried employee, Insurance, PPF, NSC, ULIP,

Well I will concentrate on the ELSS – Equity linked Savings Scheme

ELSS is a type of mutual fund, where majority of the corpus is invested equity and equity related products.  Investment in ELSS has lock in period of 3 years and it has tax benefits. ELSS are not at all risk free , there is no fixed return , ELSS are open-ended and investor can subscribe to fund on any given day.  Continue reading

Greed is Good ?

“The point is, ladies and gentleman, that greed, for lack of a better word, is good.” – Gordon GekkoSTOCK VOLATILITY

“Investors should remember that excitement and expenses are their enemies. And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy when others are fearful.” – Warren Buffet

Greed may have been good for Gordon Gekko (at least for a while), but in the investment world it rarely is as Warren Buffett is famous for saying.

Investors are unequivocally greedy today, and with some perspective it is hard to blame them. Continue reading

In one of the speech by Jeremy Stein a Federal Reserve Governor brought on board just last year,received a lot of attention for its imagessuggestion that monetary tools might be used in addressing credit market-overheating. That is an interesting argument, but I don’t want to deal with that today. Rather, I want to look at Stein’s comments on collateral transformation:

Collateral transformation is best explained with an example.

Imagine an insurance company that wants to engage in a derivatives transaction. To do so, it is required to post collateral with a clearinghouse, and, because the clearinghouse has high standards, the collateral mustbe “pristine”–that is, it has to be in the form of Treasury securities. Continue reading

The recent speech by Jeremy Stein a Federal Reserve Governor brought on board just last year,received a lot of  http://wp.me/pc3rd-1gkattention for its suggestion that monetary tools might be used in addressing credit market-overheating. That is an interesting argument, but I don’t want to deal with that today. Rather, I want to look at Stein’s comments on collateral transformation:

Collateral transformation is best explained with an example.

Imagine an insurance company that wants to engage in a derivatives transaction. To do so, it is required to post collateral with a clearinghouse, and, because the clearinghouse has high standards, the collateral must Continue reading

Financial planning

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Real financial planning is not simply looking at someone’s investment holdings and providing a new asset allocation,” says NAPFA National Chair Lauren Locker, CFP®. “It is a much more detailed process that addresses every aspect of an individual’s financial well being, including budgeting and saving, insurance, college funding, estate planning, tax strategies and more.”

Putting in simple prospective one should ask these few question to self …

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