2009 Road Ahead

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: further. You could wait if you are looking at buying a house as property prices as well as home-loan interest rates are also like go down.

This is a good time to start putting money into high quality income funds. These will give higher returns due to falling interest rates and expected compression in credit spreads.

Out of the money which you have allocated to equities, 30% - 40% should be deployed into equities straight away either directly or though mutual funds with a one- to two-year perspective. General insurance is essential with a regular review of the adequacy of cover. Life insurance should be looked at as a long-term investment. It is never too early to have an adequate term insurance cover. For the short term, mutual funds are a good option.”

•Col. Ajay CEO, www.astromoneyguru.com & www.majormoney.in

Ajay, based on his understanding of the stars, has predicted the following important events to be expected in 2009. The predictions are made based on a study of the stars and numerology.

Geo-political tensions: The important planet Saturn will come under a retrograde in Leo during January 2009. Jupiter is also in Capricorn. This not a good sign for world peace. Some major geo-political tension is expected especially from January to the second week of February. This very crucial period for Asia. If we go through the past, Saturn always has some impact for India. Saturn was in Leo during Independence. Again Saturn was in Leo in 1977 (Emergency and fall of Indira Gandhi government ). Again, Saturn will be in Leo till the first week September 2009. From January to March there may be problems specially in Britain, the USA, Middle East, India and Pakistan.

Crude oil : As per astro-economics, this is the time for investment in crude oil for short-term trading. Since crude oil has shot up from $15 to $147 in last five years. Countries that benefited the most were the Middle East , and Russia. Major upward movement was seen during 2008. Though the long-term view of crude oil is bearish, but the immediate trend in crude oil is bullish. Based on the stars, I foresee a bullish trend in crude oil in January 2009.