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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: What's the investment outlook for the rest of the year?
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 |
Investment outlook for the coming year
In this time and age when all of you are inundated with news flow, there's a constant sort of worry - am I making the right move on my investments? It is a question with no easy answers.
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Is there still time to go heavy on equity?
Markets have rebounded and many of you who worried and stayed away have missed a smashing opportunity to clock 30 per cent gains from the bottom. So have you missed the bus?
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Health Insurance & IRDA guidelines
It's really easy to buy insurance, isn't it? Agents from all across the town will call you and make great sales pitches. Whether it is a car insurance or medical or a life insurance, you can even buy them online now. |
Should negative inflation worry you?
It hurts when prices rise and you have to shell out more for everything. So deflation or prices falling should be good, right? Not really, that's what economists will tell you. |
Is variable commission the solution?
Who is managing your money? Your banker, your CA, or a financial advisor ? How sure are you of being in the right hands? Or do you simply trust him or her to do the best for you? |
Smart choices to target short, medium term goals
We are sure you've heard the long term investment mantra many times. Of course we are worried about the future – kids' education, marriage, our own retirement, etc. But, there are shorter term goals that also need attention.
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Best combo deal for tax saving investments
It is that time of the year, when personal finance columns are filled with pros and cons of various tax saving investments. Well...we'll cut to the chase as we always do and give you the best options for tax saving.
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Is SBI’s 8% offer the best deal?
While private sector banks are still not budging for now, PSU banks are and SBI, India's largest PSU bank has already announced a special scheme with just 8 per cent on home loans for the first year of your home loan.
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Saving for retirement
Whether you are 30 or 50, caught as you are running on life's treadmill, dreams of early retirement seem so mouth watering! There are of course many ways to get set for retirement.
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Your mobile: Your wallet!
Technology is changing our lives fast and furious and today, we are going to take you through a high-tech way to transact with your money and make the most of it!
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Women: Take charge of your money!
Women put everything around them ahead of their own needs - kids, family, friends. While that's quite okay, but when they shove money matters on the backseat, that's detrimental to their own health.
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A stock update for long-term investments
Truth makes money and lies destroy it - hasn't the Satyam debacle proven this? And for those of you who've burnt their fingers in this and other stocks, returning to invest in the markets takes courage. |
Investment in ELSS funds
It would be so nice if we could all pay our taxes with a smile, but unfortunately cash is required. And it is not easy to part with hard earned cash, is it? |
Why home loan rates drop slowly
Why are banks not reducing home loan rates on existing home loans? Repo rates are down – they have been almost to the lowest level in the last 5 years, and yet many of you... |
Valuing bank stocks
For the past few weeks we've had questions coming in from viewers asking whether their banks were safe. We've also witnessed a steep decline in bank stocks with bankex... |
Making money in bond funds
This year there are big expectations of several interest rate cuts by RBI to boost the economy; so how can you be smart enough to make a play on these expected rate cuts? |
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Tax planning made easy
Nobody likes the tax man, but dues have to be paid. With a little intelligent planning though you could and should save as much tax as you're allowed to. |
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India's best ULIPs
ULIPs are a complicated product. But they offer a flexibility to rebalance your portfolio and an ease of investment by combining long term savings with financial protection. |
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Safe options for your debt bucket
Besotted with equity markets, we almost forget that there's a whole universe of investments which is steadily building wealth for you. These are the investments in your debt bucket.
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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...
more»
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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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Richard pereira, Dubai :I wont to know about Tata Aig my fund name is Tata-Aig Equity fund for individual life.i have been investing for the last 4 years.should i continue with this fund my avarage Nav is Rs28 and at present the nav is Rs 16.Thank you
Vivek Rege says: Hi Richard , TATA AIG Equity Fund is a fund which allows you to invest in equity as an asset class , current meltdown has affected all equity funds , but looking now investment in this should be continued as the NAV are low and units purchase is higher .
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Lulu, Kerala :Please give me your view on Sahara Short Term Bond.
Lovaii Navlakhi says: Dear Lulu, Sahara Short Term Bond is a liquid plus which has been launched recently. Investments in liquid plus funds are recommended in case you wish to park funds for a short period of time (3-6 months). There are better options available under liquid plus funds like HDFC Cash Management Fund – Treasury Advantage Plan or ICICI Flexible Income Fund.
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prasad, doha :I'm a new investor i want to invest 50.000 to l lak per year for 3 years. which is the best way MF'S Or ULIPS Or shares. Suggest best websites to know more about stock market.
Lovaii Navlakhi says: Dear Prasad, It would be difficult to recommend what option would be ideal for you without having any information on your financial goals. However, ideally for a time horizon of 3 years plus, equity mutual funds would be a good option. ULIPs are recommended only if your time horizon is over 10-12 years due to higher charges in the initial years. If you require a complete analysis and recommendations based on the same do contact a financial advisor.
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Narendra, Hyderabad :Hi
I have SIP in the following funds:
Reliance RSF equity:1000/-
Fidelity tax advantage fund:1000/-
SBI magnum tax gain:500/- these two for tax saving. Apart from these ICICI prulife Flexigrowth:2000/-per month ULIP and Post office RD:1100/-
now i want to invest 3000/- per month.please suggest good MF and one year liquidity fund to pay LIC premium(15000/-) every march.I selected Sundaram select focus,Magnum contra.These funds or ok? Please suggest me to make a good portfolio.
thanks in advance
Lovaii Navlakhi says: Dear Narendra, You could invest in Sundaram Select Focus Fund and DSP BR Equity Fund instead of Magnum Contra Fund. Also, we would recommend that you stop SIP in Reliance RSF Equity Fund and invest the same in IDFC Premier Equity or Sundaram Select Midcap Fund which is a better option.
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Sailaja, Bangalore :Hello,
I want to invest for the first time in MFs.
In the current situation, will I benefit by investing a lump sum amount in MFs (considering that I will get more units at current markets) or should I still opt for SIPs with 5 yr horizon
My finances are flexible and I am fine with a lumpsum investment or SIP
Lovaii Navlakhi says: Dear Sailaja, The ideal way to invest currently would be through SIPs as the markets are quite volatile and it would give you an advantage of averaging out your cost of buying units. In case, you have lump sum available then the best option would be to invest in liquid funds and invest in equity via STPs or Systematic Transfer Plans.
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Parag Desai, Pune :Should i continue my SIPs?
1.sundaram Select Focus Rs1000
2.SBI Contra Rs1000
2.HDFC 100Rs 1000
Age-27 and have a long term view .Plan to continue SIP beyond 10 yrs as for my long term savings.
IS it a good idea to keep investing. Good Risk appetite.
Lovaii Navlakhi says: Dear Parag, Yes, you must continue your SIPs which is the best way to participate in equity markets now as it allows you to take advantage of the volatility in the markets and average out your cost of buying mutual funds. However, I would recommend that you do SIPs in the following schemes: Sundaram Select Focus Fund – 1000, IDFC Premier Equity Fund – Rs. 1,000 and HDFC Equity Fund – Rs. 1000.
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BAAMURUGAN, madurai :What is the minimal return we should expect from a liquid plus mutual fund so that post tax returns are better than bank fixed deposits inthe current financial scenario?
Lovaii Navlakhi says: Dear Balamurugan, you can expect returns of 4.5-5% per annum from liquid mutual funds. The post tax returns from liquid funds may be better than bank fixed deposit returns depending on the interest rate scenario.
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Palanisamy, Saudi Arabia :I have mutual fund investment which is down about 40%. On the other hand I have home loan for which I am paying interest at 12.5%. Should I sell my mutual fund and prepay my home loan partially to bring down monthly EMI or wait for market to recover so that I can use profit coming out in mutual fund from near future to pay my home loan premium/principle amount? Which option to take?
Lovaii Navlakhi says: Dear Palanisamy, Home loan rates are not expected to move upwards in the near future. I would suggest that you continue with your home loan payments (as long as your monthly income is sufficient to meet the same) as equity markets are expected to improve and give better returns as compared to the interest paid on your EMIs. Hope to have clarified your query.
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Satish B, bangalore :Hi,
I'm 35 years old.I would like to invest around 1 lakh in mutual funds. I'm looking for good returns in abt 15 years time frame. Can you please advise me on what would be good funds ?
Dr Sundararajan says:I appreciate the time frame you have in mind. You can select any few from the following list of funds and invest under growth option DWS Alpha Equity; HSBC Equity; HDFC Equity; Birla Sunlife Equity; Franklin Templeton Prima Plus; Reliance Regular Savings Equity; Kotak 30 ..etc.
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Jayanta Mullick, Kolkata :I am 36 years of age and I want Rs.3.5cr when I retire at 58. Please tell me how I must go about planning my investments. I do not want to invest in Share market but MF is ok.
Please guide.
Suresh Sadagopan says: You could invest 60% in Equity MFs and about 40% in debt instruments like PPF, FDs, Debt Mutual Funds etc. Assuming that debt instruments give 6% post tax and Equity MFs give 12% post tax, you need to put in approx Rs.40,000/-pm in that ratio.
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