Dwaipayan Bose Articles

Underestimating insurance requirement: Many life insurance buyers choose their insurance covers or sum assured, based on the plans their insurance agents want to sell and how much premium...

This is either a rookie mistake on part of the investor or deliberate mis-selling by the distributor or financial adviser. Par value of a mutual fund unit is meaningless, because the unit by itself has no value...

Over the last ten years, real estate in India has given good returns. Enticed with the idea of owning a house and seeing their assets rapidly appreciate in value, countless Indians have invested a large part of...

In a previous article, we have discussed why term plans are best choices in life insurance (please refer to our article Taking term plan can be a smart Insurance choice). A term plan is the purest form of insurance...

A comprehensive understanding of risk plays the most important in making investment decisions. However, the average the retail investor often does not know how to determine this. When a financial adviser...

Healthcare costs in India are increasing at a distressing rate. Based on some estimates the annual healthcare inflation is in the range of 15 – 25%. A hospitalization for a serious illness can cost Rs 5 lakhs or...

In the previous two articles in our life insurance series, we had discussed how to determine how much life insurance cover you need and how to choose a life insurance provider based on various metrics. Each of...

In the last one year the Nifty rose from 5694 to 6483, a rise of 14%. During the same period S&P 500, the US stock index, rose from 1558 to 1860, a rise of 19%. With the benefit of hindsight, as a rational investor...

Investors, who have trading accounts with equity broking firms, receive text message or emails from their brokers every day, recommending which stocks to buy or sell. When they tune into a business news channel...

For capital safety and short term returns, bank fixed deposit is a natural choice for most Indian investors. However, fixed maturity plans (FMPs) offered by mutual funds are gaining popularity among more...