Stocks
Prime stock update: Are we still sweet on this sugar maker?
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Pavithra Jaivant
March 9, 2023
2 Comments
PrimeInvestor - Articles and Reports
Taxes
How is your insurance policy taxed?
Some of us may be hoarse from shouting about why tax benefits should not be the reason we buy insurance. Shouting notwithstanding, tax treatment remains a key consideration when buying insurance of almost any sort and this is what we look at in this article.
There are two points in time when the tax aspect will have to be kept in mind:
First at the time of premium payment
Second, at the time of a payout in the form of a claim being met or maturity benefits being paid out.
Pavithra Jaivant
February 16, 2023
2 Comments
Mutual funds & ETFs
ULIP vs. Mutual Fund – where should you invest?
As far as investment products go, ULIPs (short for Unit Linked Insurance Products) have the reputation of being the ‘bad boys’. While investor wariness toward ULIPs in their earlier avatar was justified, they have evolved since their pre-2010 days following changes made by IRDAI. However, ULIPs have still not entirely managed to shake off their reputation. In this article, we pit the present day ULIP vs. mutual funds – and compare them on parameters such as their function, how they invest your money, liquidity, expenses and tax treatment and see how they stack up.
Pavithra Jaivant
December 15, 2022
5 Comments
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
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
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
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
