'Bad credit history is the top reason for loans being rejected'’

Harsh Roongta, CEO, ApnaPaisa Pvt Ltd, founder of apnaloan.com and apnainsurance.com and experienced in the area of personal loans and credit, spoke with Abhay Rao of The Financial Express

'The markets would be comfortable with either a NDA or UPA-led coalition'

India is currently in the processs of electing another government at a time when its exports have fallen, IIP figures have declined and the fiscal deficit has further deteriorated, following the global financial market crisis.

'ULIPs are suitable for all customers'

Amit Gupta, director, marketing and communication, ING Vysa Life Insurance, Akshay Mehrotra, head - marketing, Bajaj Allianz Life Insurance, spoke with Abhay Rao of The Financial Express about life insurance...

'India is going to continue to remain a domestic consumption-driven market'

Krishna Sanghvi, vice president equity, Kotak Asset Management Company, speaks with Abhay Rao of the Financial Express about their mutual fund investing strategies...

'The current level of gold makes it an attractive investment'

Laxmi Iyer, head of fixed income and product, Kotak Asset Management, spoke with Abhay Rao of The Financial Express about gold investments and what is its importance in today’s scenario.

Very high returns have never been sustainable in the long run

In India, it is only the sentiment that is affected. In terms of fundamentals, there seems to be no perceptible diminution. India is going through a cyclical downturn and not a structural one that the US is.

The internet has a pull channel, not a push channel

Satkam Divya, CEO & MD, Rupeetalk Financial Services Pvt Ltd spoke with Abhay Rao of The Financial Express, about the personal finance world online and how this industry is beneficial to all parties involved.

'People should start looking at security systems as an investment, not an expense'

Pramoud Rao, MD, Zicom Securities Systems Ltd, spoke to with Abhay Rao of The Financial Express about security issues, protective solutions and the need for investing in such security measures in this day and age. Excerpts.

'The art boom in India did not affect all artists, and similarly neither has the art world's meltdown'

Bijay Anand, actor and art enthusiast, discusses with Abhay Rao of The Financial Express about his experiences in the art world, his views on art funds and what he feels about the Indian art market.

‘Rebalancing of portfolios remains a crucial element in managing clients’ investments’

With the stock market losing half of its value over the year, a lot of wealth has vanished into thin air. And at the same time, there is optimism that the Indian economy would continue to grow, albeit at a slower pace.

‘People seem to miss the fact that debt is a liability and is not money that is yours but which you owe’

Amitoj Sethi, director, Deals4Loans, speaks with Abhay Rao of The Financial Express about debt management, financial prudence and making the right debt-related choices.

'A structured product is a product in which you know the end result before you buy it'

Structured products are built in such a way that they try to mould themselves to an investors risk appetite, while covering a large area of investment options. They usually have a 3-year lock-in period and are capital protecting in nature

'Precious metals should be invested in at regular intervals'

One should constantly review their portfolio to factor in changes. However, allocating 50-55% in equity, 20-25% in debt, 5-15% in precious metals is a good position to be in

'Investors will have to remove the momentum factor out from value'

There was the hyper enthusiasm syndrome present in the market and every other company saw earnings grow at around 30% and now the rate will have tapered down

'Providing personal information and sensitive data is a necessary evil'

In India, people are very careless when it comes to privacy and personal information. We give out our address and phone numbers to shops, restraints etc, which is unnecessary and careless on our part.

"India suffers from both, too much identification and, too little privacy"

Identity theft basically involves stealing of another person's personal information, and using it for fraudulent purposes.

‘We hope to promote depth of talent as well as investor returns’

So far, investors have reacted very positively to this fund and we have had a better response than what we hoped for.

‘It can be used as a risk-offloading tool’

Currently, the forex market in India exists entirely as an Over The Counter (OTC) market - that is to say, it exists in a form where it is transacted bilaterally between 2 parties, one of which would necessarily be a bank authorised by RBI to deal in forex.

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