Vinod Pottayil What Every Indian Should Know Before Investing

Copyright......Page 3
Table of Contents......Page 6
Foreword......Page 10
Preface......Page 12
Acknowledgements......Page 17
1. Tell Me Quickly About Investing......Page 19
2. Women And Investing......Page 26
3. Basic Investing Terms And Concepts......Page 34
4. Essential Formulas Every Investor Should Know......Page 53
a. Future value of an investment......Page 56
b. Present value of an investment......Page 60
c. The Amount to be Invested per Instalment......Page 61
d. The Rate of Growth of an Investment......Page 63
e. The Period of Investment......Page 67
5. Fixed Deposits......Page 71
a. The Fixed Deposit Concept......Page 72
b. Types Of Fixed Deposits......Page 74
c. How To Invest In Fixed Deposit Schemes......Page 76
6. Recurring Deposits......Page 81
a. The Recurring Deposit Concept......Page 82
b. Different Options With Recurring Deposits......Page 83
c. Recurring Deposits At Banks And Post Offices......Page 84
d. How To Invest In A Recurring Deposit......Page 85
7. National Savings Certificates (NSCs)......Page 89
a. The National Savings Certificates Concept......Page 90
b. How To Invest In NSCs......Page 91
8. Post Office Monthly Income Scheme......Page 97
a. The POMIS Concept......Page 98
b. How To Invest In POMIS......Page 100
9. Senior Citizens\' Savings Scheme (SCSS)......Page 105
a. The Senior Citizens\' Savings Scheme Concept......Page 106
b. How To Invest In SCSS......Page 108
10. Public Provident Fund (PPF)......Page 113
a. The Public Provident Fund Concept......Page 114
b. How To Invest In PPF......Page 118
11. Employees\' Provident Fund (EPF)......Page 128
a. The Employees\' Provident Fund Concept......Page 129
b. Facts about EPF that Every Employee Should Know......Page 131
12. Stocks......Page 138
a. The Stock Concept......Page 140
b. How Stock Prices Are Determined......Page 142
c. What Causes Stock Prices To Rise And Fall......Page 143
d. When To Buy And Sell......Page 146
e. The Process Of Buying And Selling Stocks......Page 148
f. Bulls And Bears......Page 149
g. How To Invest In Stocks......Page 150
13. Mutual Funds......Page 155
a. The Mutual Funds Concept......Page 156
b. Types Of Mutual Fund Schemes......Page 159
c. How To Invest In Mutual Funds......Page 164
d. Direct and Regular Mutual Funds......Page 165
e. Mutual Fund Utilities and CAN......Page 167
14. Equity Linked Savings Scheme......Page 173
a. The Equity Linked Savings Schemes Concept......Page 174
b. How To Invest In ELSS......Page 176
15. Systematic Investment Plan (SIP)......Page 180
a. The SIP Concept......Page 181
b. How To Invest Using SIP......Page 184
16. Gold......Page 190
a. How Gold Works As An Investment......Page 191
b. Gold Bars And Coins......Page 193
c. Gold Exchange Traded Funds (GETFs)......Page 194
d. Gold Fund of Funds (Gold FoFs)......Page 197
e. E-Gold......Page 198
f. Gold Deposits with Banks......Page 199
g. Sovereign Gold Bonds......Page 200
h. Gold Loan from Banks......Page 201
i. How To Invest In Gold......Page 202
17. Real Estate......Page 209
a. The Real Estate Concept......Page 210
b. How Real Estate Investing Works......Page 211
c. Factors That Affect Real Estate Price......Page 212
d. Types Of Real Estate Investment Strategies......Page 213
e. Buying A Home......Page 214
f. Real Estate Investment Trust (REIT)......Page 216
g. Reverse Mortgage......Page 217
h. How To Invest In Real Estate......Page 219
18. Life Insurance......Page 227
a. The Life Insurance Concept......Page 228
b. More Than Just Insurance......Page 229
c. How Much Insurance Should You Get......Page 231
d. Types Of Life Insurance......Page 233
e. Deciding On The Right Insurance Scheme......Page 239
f. Free Look Period......Page 240
g. Surrendering a Policy......Page 241
h. Pension Plans and Annuities......Page 242
19. Health Insurance......Page 250
a. The Health Insurance Concept......Page 252
b. Types of Health Insurance......Page 254
c. Waiting Period......Page 257
d. Buying the Right Health Insurance......Page 258
e. Top Up Policies......Page 261
f. Fixed Benefit Plans......Page 262
g. Critical Illness Plan......Page 263
h. Personal Accident Insurance......Page 265
i. Hospital Cash Policy......Page 267
j. Points to Consider Before Buying Health Insurance......Page 269
20. Making a Will......Page 276
a. The Concept of a Will......Page 278
b. Probate......Page 281
c. When a Testator Dies without a Will......Page 282
d. Points to Consider While Writing a Will......Page 286
e. Nomination, Joint Holdings and Wills......Page 289
f. Sample Will......Page 291
21. Making An Investment Plan......Page 295
a. Understanding Your Current Situation......Page 297
b. Calculating Your Savings Potential......Page 299
c. Identifying Your Financial Goals......Page 302
d. Making Your Financial Plan......Page 304
A Quick Overview Of Investments......Page 314
Back Cover......Page 319