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ABOUT THE SHOW
Amidst the huge turmoil in stock markets, inflation negating real returns, and expensive loans unbalancing budgets and portfolios, where one is slogging 16 hours a day to make money, do you know where this money is going?
‘30 minutes to Wealth’ is a show that helps you take control of YOUR money. It directly approaches the questions of today’s investors, analyses them and advises them backed by data on investment products and financial planning. It helps you maintain focus on your financial goals. In other words, it helps you be a ‘SMART’ investor.
The Big Question this week: Have you maximized your debt basket? How much of your money should go into your risk-free debt bucket?
Watch the show every Saturday at 2:00 pm and on Sunday at 10:00 pm on NDTV Profit. You can’t miss it!
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On our Show |
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Stocks for long term investment
We could be in for a prolonged period of slowdown and dull stock markets- yet, we are saying, if you have the cash you are king and it’s time to start building a portfolio.
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Blood on D-Street
Keep your faith as we tell you what to do in these extraordinary times!...
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Gold as an investment
Is gold a part of your portfolio or is it found in your locker, or is it on your body as pretty baubles? Do you need to change the way you look at gold- from trinkets to solid investment?
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Shopping smart with your credit card
It’s that time of the year when one can shop and splurge without guilt. And credit cards can replace cash if you want to earn some bonus points.
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Meaning of an efficient life insurance
In looking at a lump sum amount of money that would be enough for the family for the rest of their dependant lives, how do you ensure that you get the right cover and policy?
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Top-rated mutual funds
A list of the best top-rated mutual funds and a few emerging ones that are expected to do well in the future.
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The home buying question We said prepay your home loans- but does that mean that you don't buy a house today? Here are the options on where you can shop for the cheapest home loans today...
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SIP vs ULIP SIP, a mutual fund investment allows you to invest in a scheme through regular money transfer. Now you can get insurance along with the investment- like what a ULIP offers...
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Home Loans and rising interests
With increasing interest rates and the burden of your EMIs, what's the best way to deal with the very essential home loans. We define it for you...
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Expert Speak |
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You do need a home of your own
Owning a home not just in India, but also anywhere across the world is less about numbers and much more about the sheer pride of having one...
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About the Anchors |
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Manisha Natarajan
Manisha’s career in the world of business and finance kick started as a cub reporter out of Hyderabad, with the stock market magazine - Dalal Street. Next came the plunge into wealth management...
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Monika Halan
She was sure that she did not want to do something so abstract that did not allow her to balance her cheque book. It was a hop skip and jump to the role of a business reporter...
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Money on your mind?
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Where is your hard earned money going? Caught amidst choices of making the right investments and getting value added returns?
Well, here's your chance to get your doubts cleared. Ask the questions and our experts will answer them here. Invest right, earn more and dream big!
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Our Expert Panel
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Lovaii Navlakhi
With over 18 years’ top notch work experience in Corporate India, he provides services to over 550 individual clients...
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Suresh Sadagopan
With three years of experience, Suresh Sadagopan caters to over a 100 clients as a Certified Financial Planner...
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Vivek Rege
A Certified Financial Planner from FPSB India, decided to take up financial planning as a full time career....
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Dr D Sundararajan
With an experience of more than 20 years in Capital Market and investments, his clients include big corporations...
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View Q&As by subject:
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S Prabhu, Chennai :Hi,
I have taken a ULIP last year (Oct 2007) with yearly premium of Rs. 53000. To pay this year(2008) premium i have started saving monthly by MF SIP for Rs. 5000
Now my SIP completed and the latest value of my saving is in negative. So, I have decided to go for Loan to pay the premium.
Is this is correct option..? can you give me how do I handle this...?
Thanks,
S.Prabhu
Suresh Sadagopan says: Not necessary. If the value has gone down, so has the unit value in the fund that you would be buying into. There should not be too much net loss in this transaction for you.
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Vishal Thapa, NOIDA :Hi ,
I have only invenstment in LIC policies and that too amoutn to around 40k a year as I had not much of knowledge about MF/investments etc.
How shoudl I come into this . Pl guide me so that I can also be benifited by market.
Suresh Sadagopan says: Investments in MFs could be done on a monthly basis through SIP. Pick funds which are equity diversified and have a longterm performance history. It would be a good idea to get in touch with an investment advisor in your area, who should be able to assist you.
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kailash agrawal, orissa :what is Nifty BeEs ? How to invest in it?
Suresh Sadagopan says: This is an Index fund from Benchmark MF. This invests in the same proportion as the index in its scheme so that the performance mimics the index. You could contact the MF or invest online through the company site or one of the portals like icicidirect.com etc.
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Ravindra, mumbai :I have invested about Rs 14 Lakhs in various mutual funds during early 2007, what should I do now? pls advise whether to wait or pull out now? I am afraid the NAV would be only 40% of my invested amount.Kindly advise.
Lovaii Navlakhi says: Investing in Equity needs a horizon of 3-5 years. Our advice would be to be patient and hold on to your investments. However, please review your portfolio as the suggestion would depend on the type of schemes you have invested in. Depending upon your risk profile, you may need to increase/ reduce your allocation to midcap/ large cap schemes.
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suprita, balasore,orissa :hello
madam,good morning.I am a cenral govt. employee age 32 .i want to invest one lakh in diversified equity mutual fund for 4-5 years.is it right time or wait for some time in sensex bottom point.
thanking u
suprita
Lovaii Navlakhi says: Dear Suprita, It’s good that you are considering investing in equity for a long term period (5 years). You can invest in some large cap funds like DSP Blackrock Top 100 in a staggered manner through an SIP/ STP.
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Padmanabhan, Chennai :I am looking for Monthly Income of Rs.50,000/- and I am looking for good Mutual Funds which will provide the same.
Also, should I choose Growth Option or Dividend Payment Option?
Lovaii Navlakhi says: Dear Padmanabhan,
If you require monthly income, an MIS or an MIP would be ideal for you. This can be chosen according to your risk profile. The option should be Dividend Payout.
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sumeet inder singh, chandigarh :Which equity/diversified funds would you suggest for a sip with a horizon of 5yrs?
Dr Sundararajan says: IDFC Imperial Equity; Kotak 30; Reliance Regular Savings; DWS Investment Opportunities; HDFC Growth; Sundaram Select Focus; HSBC Equity; DSP Black Rock TIGER etc. can be considered for SIP with an investment horizon of about 5 years.
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Sridharan, Chennai :Dear Sir,
I am investing in Indo asia equity fund since inception of the fund thrpugh SIP. amount is 3000 INR/month. Should I continue the same or switch to some other better funds?
Sridharan
Dr Sundararajan says: This is not a good idea. I would recommend discontinuing this fund and invest in domestic large cap diversified equity fund for better performance over the next 3-5 years.
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Sanjay, Delhi :Are these debt funds safe. I want to invest in Debt Mutual funds as equity markets crashed.
BSL MIP II - Savings 5 - Growth (B312G)
BSL Dynamic Bond Fund - Retail - Growth (B321G)
HDFC Cash Management Fund-Savings-Gro (H53)
HDFC Floating Rate IF-Long Term(Growth) (HILG)
HDFC High Interest Fund-Short Term Plan-Growth (H30)
Birla SL Gilt Plus-Regular (G)
Thank you
Sanjay
Dr Sundararajan says: There is no problem in investing in debt funds at this point in time; no need to worry about safety. The interest rates are likely to go down in the near future and hence debt funds may manage to deliver better returns over the next 6 months to 1 year. Your can select any short term debt fund or even a GILT fund invest with this time perspective.
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loten, dehradun :I want to invest in mutual fund and it's my first investment in life time. I want to Invest Rs.1000/-
So, WHICH MUTUAL FUND WOULD YOU CHOOSE FOR ME AND WHY?
Dr Sundararajan says: Select one or two among the following funds with good rating and good track record over long term; but more importantly go about the investments in a SIP manner – the funds could be Kotak 30 or Kotak Opportunities; Reliance Regular Savings Equity or Reliance Diversified Power Sector Fund; DWS Alpha Equity Fund; HDFC Equity or HDFC Growth; Sundaram Select Focus; HSBC Equity; IDFC Imperial Equity, etc.
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