Aarati Krishnan, Author at PrimeInvestor

Bonds & Deposits

A guaranteed returns option to tackle low interest rates

The Monetary Policy Committee (MPC) in its latest meeting has sent out mixed signals about the future direction of interest rates. Citing an uncertain inflation outlook, it called a pause to its repo rate cuts, holding the rate at 4 per cent. At the same time, it also promised to continue its ‘accommodative stance’ due to unprecedented Covid stress on the economy.

Aarati Krishnan August 9, 2020 9 Comments

Insurance

FAQs on Term insurance

In our PrimeTime webinar on ‘Choosing the Right Term Insurance’ last Saturday, we received many thought-provoking questions from our subscribers and viewers that we could only partly address, given the paucity of time. Here’s a more detailed FAQ on term insurance based on your feedback during the webinar. Hope you find it useful!

Aarati Krishnan July 7, 2020 14 Comments

Mutual funds & ETFs

Is it the time to buy gilt funds?

With interest rates on bank deposits, small savings schemes and most categories of debt funds taking a knock, many investors are on the lookout for that one miracle avenue that will give them high returns with capital safety. Gilt mutual funds, which invest only in government bonds, on the face of it, look very appealing today because of their high past returns.

Aarati Krishnan June 16, 2020 15 Comments

Insurance

Do you need riders on your term insurance plan?

Apart from allowing you to structure your term insurance plan in different ways through options, life insurers also tempt you with another set of add-ons – riders. Riders allow you to cover additional risks to your income, for an extra premium added to your base term plan.

Aarati Krishnan June 14, 2020 5 Comments

Insurance

What options should you choose in your term plan?

Pure term plans from life insurers are, at their core, very simple products. You pay regular premiums to the insurer during your working years. The insurer promises to pay your beneficiaries a lumpsum in the event of your untimely death. This may lead you to believe that buying a term insurance policy is a cakewalk.

Aarati Krishnan June 9, 2020 2 Comments

Insurance

How we ranked term insurance plans

Life insurance must surely figure among the most misunderstood financial products in India. Some folks think of their insurance policy as an investment, others as a compulsory portfolio component and yet others as an estate planning vehicle.

Aarati Krishnan June 9, 2020 12 Comments

Insurance

Who doesn’t need life insurance?

Most Indians harbour the notion that they cannot do without life insurance. One of the first ‘investment’ products that young Indians are encouraged to buy, on landing a job, is an insurance policy. But this is based on a flawed understanding of life insurance as a product. Life insurance isn’t designed to enrich someone on your death. Its primary purpose is to compensate your dependants for the loss of your income in the event of your untimely death. So yes, there are many categories of folks who simply don’t need to buy life insurance. Here are the main ones.

Aarati Krishnan June 2, 2020 11 Comments

Insurance

Until what age should your life insurance last?

When buying life insurance, most good advisors recommend that you go in for a pure term plan. A pure term plan is an insurance policy that offers life cover (with no investment component, bells or whistles – we’ll tell you why you don’t need those in a later article) for a specific ‘term’ or period of your life.

Aarati Krishnan May 26, 2020 14 Comments

Bonds & Deposits

Prime Review: Should seniors invest in the SBI WeCare deposit?

With interest rates on debt options falling steeply in the past year, retirees, pensioners and those seeking to supplement their income with fixed deposit schemes have seen a sharp dip in their cash flows. In this context, it is good to see India’s largest bank – State Bank of India (SBI) – coming up with a special deposit scheme for senior citizens while revising its fixed deposit rates recently.

Aarati Krishnan May 12, 2020 4 Comments

Mutual funds & ETFs

Prime Views: Five things they don’t tell you about credit risk funds

After the Franklin Templeton debacle, CEOs of asset management companies have been out in big numbers across media to reassure investors that this was an isolated case and that there’s no crisis for the debt fund industry itself.

Aarati Krishnan May 5, 2020 7 Comments

Bonds & Deposits

Prime Views: Are your deposit and bond investments at risk next?

With returns failing to match risks and RBI relief measures complicating life for lenders, the next six months promise to be a minefield for debt investors. Here’s how you can navigate this

Aarati Krishnan April 29, 2020 18 Comments

Mutual funds & ETFs

Should you invest in the Motilal Oswal S&P 500 Index Fund?

Warren Buffett never fails to recommend it and 90% of US fund managers struggle to beat it. If you’re wondering what this miracle investment is, it’s the US S&P 500 index. Indian investors will soon have the opportunity to buy this US benchmark locally with Motilal Oswal AMC launching an open-end index fund replicating it.

Aarati Krishnan April 15, 2020 62 Comments

PrimeInvestor - Articles and Reports

A guaranteed returns option to tackle low interest rates

FAQs on Term insurance

Is it the time to buy gilt funds?

Do you need riders on your term insurance plan?

What options should you choose in your term plan?

How we ranked term insurance plans

Who doesn’t need life insurance?

Until what age should your life insurance last?

Prime Review: Should seniors invest in the SBI WeCare deposit?

Prime Views: Five things they don’t tell you about credit risk funds

Prime Views: Are your deposit and bond investments at risk next?

Should you invest in the Motilal Oswal S&P 500 Index Fund?

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