Pavithra Jaivant, Author at PrimeInvestor

Insurance

Critical Illness plan review: Star Critical Illness Multipay Insurance Policy

To secure your finances against health emergencies, Primeinvestor recommends combing a hospitalization plan with a critical illness cover. Our earlier article has discussed ‘What to look for in a critical illness health plan’ in detail. We subsequently shortlisted a few critical illness covers, from which we reviewed Activ Secure Critical Illness Plan by Aditya Birla Health Insurance, Criti Care policy by Bajaj Alianz General Insurance and IFFCO Tokio’s Critical Illness Benefit Policy. Here, we review the Star Critical Illness Multipay Insurance Policy. We think this plan has a good structure without being over-complicated.

Pavithra Jaivant November 6, 2022 2 Comments

Insurance

How to use the free look period

If one acts quickly, a bad or unsuitable insurance purchase can be reversed. Here, we tell you about how you can use the free look period in life and health insurance policies to your benefit.

Pavithra Jaivant October 11, 2022 No Comments

How are deposits, bonds and debt funds taxed?

Taxes

How are deposits, bonds and debt funds taxed?

Deposits, bonds and debt funds are great ways to diversify one’s portfolio. But the taxation on these instruments can decide whether an option is attractive or unattractive on a post-tax basis. Taxation, though varies across instruments and can be quite complex. The fact that not all debt instruments are taxed in the same way compounds the decision making dilemma on which option to choose. This write-up will break down the taxation aspect of popular debt instruments for resident individuals.

Pavithra Jaivant September 8, 2022 6 Comments

Higher rates offer a window of opportunity for NRIs

Bonds & Deposits

Higher rates offer a window of opportunity for NRIs

If you are an NRI, the chances are that you usually keep an eye out for places to park your surplus earnings in India that are safe, will protect you from exchange rate changes and fetch a respectable return. You probably already have NRE deposits and FCNR(B) deposits, the bank FD equivalents for NRIs. But did you know that there have been recent regulatory relaxations by RBI that give you a window of opportunity to lock into higher rates on these tried and tested savings tools? Here is a closer look.

Pavithra Jaivant August 9, 2022 2 Comments

Insurance

Insurance Review – IFFCO Tokio Critical Illness Benefit Policy: Keeping it simple

This article reviews the IFFCO Tokio Critical Illness Benefit Policy which we think ticks the boxes on simplicity and generous sum insured. Here is a detailed look :

Pavithra Jaivant July 31, 2022 2 Comments

Insurance

Insurance Review: Criti Care Policy by Bajaj Allianz General Insurance

This insurance player has two critical illness covers on offer – the ‘Critical Illness Insurance Policy’ and the more recently launched ‘Criti Care Policy’.

Pavithra Jaivant June 9, 2022 2 Comments

Adani and Holcim cement the deal – now what?

Stocks

Adani and Holcim cement the deal – now what?

Last month, we analysed the cement industry in detail. In this analysis, we’d noted a few points – one, that there has been consolidation in the space, two, that companies had been deleveraging, and three, that margins have been under threat owing to pricier energy and inputs.

Pavithra Jaivant May 22, 2022 No Comments

Insurance

Insurance Review – Activ Secure Critical Illness Plan by Aditya Birla Health Insurance Co. Ltd.

We have shortlisted a set of critical illness plans, which we will start reviewing. We begin with the Activ Secure Critical Illness Plan by Aditya Birla Health Insurance, which we think is a good plan for high-income earners.

Pavithra Jaivant May 10, 2022 No Comments

Research Reports

Cement Industry: 5 things to know before you choose a stock

India’s cement industry has always been a good proxy for the core economy, with steady volume growth and players enjoying considerable pricing power unlike other commodities. With cement industry leaders such as UltraTech Cement, Ambuja Cements, Dalmia Bharat and Birla Corporation correcting between 10% and 20% in the last 3 months, could there be an opportunity? We take a deep dive into the cement industry to assess its prospects.

Pavithra Jaivant April 10, 2022 2 Comments

textile sector, textile sector outperformance

Premium

Sector analysis: What’s changing in the textile sector?

A long-forgotten sector that has made a big comeback in the most recent leg of India’s bull market is the textile sector. The rally was pretty hard to miss. The stock price of KPR Mills has more than doubled from July 2021 to January 2022 while Vardhman Textiles and Welspun surged over 60%. AK Spintex, a textile stock that has flown under the radar for a while, climbed nearly 190% in just the first two weeks of the new year, leaving many baffled. One-year stock returns have been in excess of 100% for many players. Here are the absolute stock returns on a few textile stocks.

Pavithra Jaivant February 8, 2022 1 Comment

Investment basics

Digital Gold vs Gold ETF

Here we take a look at digital gold vs gold ETFs to see how they stack up. Many of the alternatives to investing in physical gold have been born out of a need to address one or more of the shortcomings of investing in physical gold such as liquidity and the costs associated with safekeeping. The latest to join the bandwagon is digital gold.

Pavithra Jaivant February 2, 2022 No Comments

Investment basics

Gold Returns – How gold has delivered over the years and how returns compare against the Nifty 50

There is no denying the fixation us Indians have with gold. But the good news is that this is probably one fixation that doesn’t need fixing! Gold returns can instead be used to benefit our investment portfolio, as it provides balance to an equity-and-debt portfolio. However, before adding gold to a portfolio, it is important to understand how gold returns have been in the past and the characteristics of gold returns. Not just that, given that there are many ways to invest in gold, using the right mode is essential to get the most out of gold returns.

Pavithra Jaivant January 30, 2022 No Comments

PrimeInvestor - Articles and Reports

Critical Illness plan review: Star Critical Illness Multipay Insurance Policy

How to use the free look period

How are deposits, bonds and debt funds taxed?

Higher rates offer a window of opportunity for NRIs

Insurance Review – IFFCO Tokio Critical Illness Benefit Policy: Keeping it simple

Insurance Review: Criti Care Policy by Bajaj Allianz General Insurance

Adani and Holcim cement the deal – now what?

Insurance Review – Activ Secure Critical Illness Plan by Aditya Birla Health Insurance Co. Ltd.

Cement Industry: 5 things to know before you choose a stock

Sector analysis: What’s changing in the textile sector?

Digital Gold vs Gold ETF

Gold Returns – How gold has delivered over the years and how returns compare against the Nifty 50

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