Interviews

Anurag Thakur on the stimulus package 30 How India-China conflict can hit stock market

Is insurance sufficient in COVID times?
Health insurance is proving to be insufficient to deal
with the challenges and high cost of COVID-19
treatment

Environment funds set to rise
Investors are willing to invest in stocks with
environment and social values

 Boost For Digital Payments
Fintech will reap benefits this year as people turn to
financial platforms

 A Relief To MF Industry
RBI’s special liquidity window may help
mutual funds

Attractive property options for NRIs
It is an opportune time for real estate sector as
home prices drop

 Reframe Your Goals
Plan asset allocation as per your risk profiles by
aligning goals with objectives

 Golden option for millennials
Gold will remain in the reckoning and provide
positive returns during the pandemic

With festivals and
wedding season round
the corner, it will soon
be raining discounts.
But how much to
splurge? Experts are
advising more savings
and investments

MF Vs Gold:
What Is Best For You?
A comparison between returns from gold and
debt mutual funds

 Grievance And Complaint
Health insurance policyholders face challenges
concerning claims

Are Insurance Stocks A Good Buy?
As pandemic sets in, market witnesses a sharp
rebound in these stock prices

Restore Stability To Revive
Economy
Former Deputy Governor of Reserve Bank of
India Viral Acharya, in his latest book, figures
out some key issues in India’s financial sector
and suggests measures too

 REITs As An Attractive Asset
Derivative instrument can help investors gain
from capital appreciation

 Stock Picks
Despite challenges, L&T and HDFC AMC
continue to show resilient performance

 Data Primer
Investors seek stability in savings through the
yellow metal

 Loss Aversion Behavior Can Be A
Big Hurdle
Preplan your steps when your investments show
lower returns


 Being Risk-Free With Low Returns
Small saving schemes still preferred as the returns are
guaranteed

Bullish On Bullion
Gold prices soar due to institutional buying push

An interview: Aman Ahuja
Sudden Surge In Demand For Credit Cards Among
New Users

The Right Policy For Mental
Well-Being
Better insurance cover needed for mental illness

 Concern Over COVID Procedure Rates
Hospitals charges not same as insurance covers

 What’s On Offer For COVID-19
Patients?
Two new insurance for additional expenses

 Widen Your Filter For Job Search
Though dismal, the job market might recover soon

 Riding The Digital Wave With
Virtual Tours
Digitisation needed for efficient home buying

 Make The Most Of Your Money
How financial planners help in uncertain times

 Identify The Turmoil
It is important to acknowledge
the risk factor associated with
debt mutual funds, and act
accordingly

 The Golden Glitter
Gold to play a critical role in the
pandemic as it is likely to surpass
`50,000 mark in next 12 months

 Stockpick
A steady performance of NTPC
and Britannia Industries

 Morning Star
In focus: HDFC Gift Fund, ICICI
Prudential Bluechip Fund,
Nippon India Large Cap Fund

 Surviving The Storm For a proper investment re-align
amid the crisis, re-check your
financial goals, and re-prioritise
your needs

A Lifestyle Disease
Analyse the diabetes-specific health
insurance policy, before a diabetic
pandemic sets in

 Role Of Term Insurance
Explore the pros and cons of term
insurance before investing

 My Plan
Amidst all negativity, it is advisable
to invest in equity, to experience a
comfortable financial status


India’s consumption story will revive and become a critical driver for the long-term GDP growth, say experts.

This issue deals with the impact of COVID-19 on the economy and how investors can deal with it. Other topics include Yes Bank crisis and how industry veterans shared insights on India’s goal to achieve $5 trillion economy at the Third Outlook Money Conclave.

1.      Cover Story: Headstrong In High Heels

 -          New age women entrepreneurs are all set to bring about a change

 2.      Halo Of Assurance

 -          Women-specific insurance plans have more buyers

3.      Sole Proprietorship

 -          Its time women take charge of their own finances head on

 4.      Outlasting The Gale

 -          Women entrepreneurs making in-roads into male-dominated professions

 5.      Rising From The Ashes

    -          Women with perseverance who have charted their route to success

       6 Never Giving Up

 -          Women must hold on to their dreams and work towards realising them

 6.      Breaking Barriers Boldly

 -          Single women are proving their dexterity in managing finances

 7.      Gift From Technology

 -          Making investments easier through WhatsApp payments

 8.      Money Management Lifestyle

 -          Analysing Millennials’ Investment Paradigms

 

9.      Dear Editor 

 -   Shanai Ghosh, ED and CEO, Edelweiss General Insurance

About this issue: Union Budget 2020 fails to instil consumer confidence, leading capital markets to a carnage.

Mixed Signals Fail To Boost Confidence: Pages 18-19

Union Budget 2020-21 provides conflicting signals about the country's economic future; new tax regime rolled out.

Main Cover: 18-19

One Nation, Two Income Tax Systems Pages - 26-27

Capital Markets: A Big Opportunity Lost: Pages - 32-33


Preview Pages:

Harping On The Next Big Investment

Are index funds the best possible investment tool for your retirement savings plans? 


Finding Peace With Post Office Savings
Post office small savings schemes suit risk-free and a high rate of interest needs of investors 

Post-Retirement Term Plan Blues

Term plans eliminate the financial burden during an untimely death of a bread-earner 


Other 3 Stories:

A Smart Way To Declutter Finances

Sorting out your finances and clearing the clutter comes with several benefits, making life easy 


Easy Steps For Getting A Loan

What are the best ways to avail a personal loan despite having a low credit score 

To Save And Prosper

How savings in mutual funds can help you stay ahead


About this issue: Financial Experts responds to concerns about investments in MF, insurance, markets, taxes and banking.
Top 50 Questions on Investment: 
 Find answers to most common queries investors always had but did not know who to ask 
Wealth Creation Through Mutual Funds: 

Know The Market Better Market: 

Karvy Scam: What Lies Ahead For Investors?
Soon after its exposure, NSE issued guidelines for investors urging them to take precaution 

What The Numbers Hold For You In
Victory Coach and Numerologist, Farzana Suri gives her insight for the new year  

Cover For Small Needs With A Big Relief
Buy a dengue insurance for Rs49 to Rs149 and get a lump sum payout of Rs10,000 to Rs30,000 

Other 3 Stories:
Dream Wheels Of 2020
We have put together 10 most exciting cars that will hit the market in 2020.

Dark Monsoon Clouds Overshadow Gold  Demand
The rural demand for the yellow metal has taken a serious dip due to severe climate changes 

Buckle Up The I-T Investigation
The government should introduce a parallel to retirement plan to scale up capital formation 




About this issue: With a range of sops to bail out the sector, a buyer's market may be emerging

Housing Sector Crisis and Beyond

While demand has picked up, realty prices are not rising fast enough compared to other investment instruments, leaving both investors and homebuyers wary 


What Is The Best Bet – Rent Or Buy A Home?About this issue: With a range of sops to bail out the sector, a buyer's market may be emerging
Housing Sector Crisis and Beyond
While demand has picked up, realty prices are not rising fast enough compared to other investment instruments, leaving both investors and homebuyers wary 

What Is The Best Bet – Rent Or Buy A Home?
A Homebuyer’s Financial Woes


Warding Kindred Across Seven Seas
A maturing insurance industry has begun catering to consumers settled elsewhere 
A Cry For Professional Management
Cooperative banks need freedom from dual regulation and brought under RBI’s ambit   
Digital Payments: The Way Ahead
Millennials’ inclination towards e-commerce has magnified the impact 

Other 3 Stories:
Know Your Rights As A Loan Defaulter
In case of any misconduct on the part of the lender, the defaulter can exercise legal rights 
A Thousand Mile Road Begins With A Single Step
Ways young professionals can begin their investment journey 

Sailing Through Turbulent Times
Emergency fund is a good investment to convert liquid assets into cash-in-hand 




36 Wealth Creation
Staying invested in mutual funds can help sail through
 
40 As The Curtain Falls
Things to consider while seeking
death claims
 
44 Room For Growth
In an interview Anup Rau of Future
Generali India Life shares his views
on the Indian insurance sector
 
72. Realty Cure
 
A sigh of relief for the real
estate sector with government’s
booster dose
pg 72
46 Safeguarding Risk
Insurance products for those who
love to live on the edge
 
52 Parking Money
Things to consider before
depositing money in cooperative
banks
 
54 Cash Rich
Earning and spending cash in
digital India
 
80 Tech Review
A complete analysis of newbies
Samsung Galaxy Note 10 plus
and OnePlus 7T
 
60 Future Plans
It is necessary to have a well chalked-out
strategy to create wealth



Cover – Page: 1

About this issue: In our 21st Anniversary issue, we bring you over three dozen case studies of individuals who spend, borrow and invest money in their own ways, with their own goals and reasons.

Money Tales From The Hinter Land – Page: 20 - 21

39 investment and spending stories of India’s aam and khaas

Main Cover: Pages – 20 - 21

A Stich In Time Saves Nine: Page 32

The Even Steven: Page 33

Making Dreams A Reality: Page 74

Time Is The Coin For Investors

Sebi reduction of time for IPO listing to boost investor's fortunes

Healing Illness With Ease

Availing mediclaim policies can help one save money substantially

SIPs - A Step In The Right Direction

It is an investment route into the fund of your choice, capturing markets

Other 3 Stories:

1. Assuring The Autumn Of Your Life

A reverse mortgage loan can help secure your old age with ease

2. DTC 2.0: Legislation In The Making

A transformative story for the Indian taxation system

3. Weathering The Debt Storm

Is it wise to opt for a personal loan in order to pay off debts?

Blessings In Disguise For Banking Sector

Sebi's new norms for the mutual funds industry benefits the banking sector

From Equities To Eldorado

Investors should consider alternatives like gold

Kiss Of Death Hits The Auto Sector

Companies continue to walk along a slow lane owing to diminishing consumer demands

Other 3 Stories:

1. Knocking Out Lifestyle Inflation

Over spending have long-drawn consequences, consuming an individual's life saving

2. Unriddling Investors' Grievances

Of late, Sebi has formulated a set of rules and regulations for investors' grievance

3. Safeguarding Your Priceless Abode

A home insurance can protect the insured financially against all calamities

Filling The Current Vaccum

TROP policy promises the virtue of both Term insurance policy and Money back policy

Aligning Tax Planning  With Financial Goals

It should always be seen as a by product while investing

Saving While Spending: Is That A Real Thing?

Discounts and cashbacks have taken "saving while spending" to a new level

Other 3 Stories:

1. Platinum Scores Over The Yellow Metal

India clocked 26 per cent sales growth in platinum in 2018

2. Focusing On A Girdled Budget

The budget will have to make assumptions about crude and gas prices as well

3. Healthy Growth Prospect Continues 

Focus on brand strengthening ensures growth



Taking Volatility On Your Stride

Investment hacks to make your portfolio withstand all weathers

Deriving Benefit From Buoyancy

Steady & systematic investment strategy remains the right choice

Uphill Task Ahead For NDA 2.0

Seasoned players are optimistic about stock market performance

Other 3 Stories:

1. Why Motor Insurance Often Eludes Customers

Vehicle insurance can save you from financial burden in case of accidents

2. Know Thy Fees: Bank Charges Hurt

Regular services provided by banks often comes at a dear price

3. Stock Pick

The IT giant has been riding high on revenue

Becoming a Wonder Woman

Ways one can claim insurance post a dear one's demise

Ways to chose a Rider

Factors to consider before purchasing a rider

Morningstar

In focus: HDFC Corporate Bond Fund, DSP Midcap Fund and Franklin India Bluechip Fund

Other 4 Stories:

1. What numbers state about your leadership qualities

Farzana Suri explains how numerology affects your leadership traits

2. Importance of Bank Re-capitalisation

In an interview, Rajkiran Rai G speaks of how re-capitalisation helped in credit offtake in India

3. Free Insurance with SIPs

All that you need to know about such offers provided by these insurance companies 


Are you pre-approved loans really approved?

For such financial products, one should be aware of the terms and conditions

The best stocks to buy this year

Try and mirror your investment strategy to the things you are buying

Dealing with financial imbroglio

Being financially prepared for emergencies is highly essential

Other 4 Stories:

1. Making mental health a priority

Is mandatory insurance is going to change the domain of mental health?

2. Are FMPs the norm of the day?

Fixed maturity plans are making headway as investment tools

3. Walking the stretch together

In 2017, nine percent women considered themselves better investors

About 90 lakh women bought insurance and paid first year premium worth Rupees 29,800 cr in 2017-18

She makes the money groove

Taking that first step towards financial planning makes half of your job done

Breaking down the glass ceiling

In the financial sector, women in the mid-level are gearing up for the top job

Only 5K in your kitty? Still you can invest

Creating wealth with small amounts sounds difficult but over time they can yield substantial results

Other 4 Stories:

1. Six steps towards financial independence

There is no shortcut to success to growing one's wealth

2. Making smart financial choices

In terms of loan-credits & investments, women are marching ahead of men

3. Making way with Finances

Understanding financial management as a woman is emboldening

4. Surpassing Gender Barriers

Women are no longer content with waiting for men to bring the bread

Busting the Investment Myths

A clear concept is a must to make the correct choices

An Ardent Effort to Woo Voters

In response to opposition's farm loan waiver, the government shelled out several schemes for farmers

New Rules to Discipline Stock Markets

Physical settlement in derivatives trade will significantly curb & control speculative activities

Other 4 Stories:

1. Investing in immovables a mirage?

To secure life goals investing in liquid asset is the key

2. How much should we pay for insurance

Calculate the percentage of premium you should pay for insurance policies

3. Irregular Income: Managing the smart way

Being meticulous with investments is the key of manage fluctuating income

4. Right financial advisor can help money grow

Do away with excuses regarding investments for a better use.


Investments in 2019 
Ways to invest with minimum risk amidst uncertainties from polls to global developments. 

Planning to Save Tax in 2019,  

Investing in ELSS can ensure tax benefits along with substantial returns

Curbing the Crab with Care  

A stand-along cancer insurance can help individuals withstand such ordeals

Why use P2P platform  

For an investor, P2P platforms clearly provide an opportunity to make higher yields than traditional debt.

  
Time to hold some gold again, 

If global growth does stall, gold is likely to go into a bull run

 Wealth creation in 2018: A Reflection 

Financial assets constitute 60.22 per cent of the total individual wealth in India

 Are bank charges justified 

About time Indian banks begin a new chapter

 Securing the Future from your 20s 

By starting the investments early, millennial can take advantage of the age & risk appetite





Funding Foreign Education

To get the basics of availing your education loan correct... Read on

Main Cover: Pages 20-28
Fintech Watch: 50-51
Tech Review: 74, 75, 76

1. Wavering Trust On NBFC - Page 36

With IL&FS; facing crisis, investors’ trust on NBFC and HFC Stocks. Keep reading to know more    


2. Women and Finance - Page 46

With women acing every field possible, read to know why it is important for women to be well informed on personal finance management


3. Investing in Portfolio Management Services - Page 56

A concise read on everything you need to know about the services 


4. Morning Star - Page 70

In Focus: Kotak Bond, ICICI Prudential Value Discovery, UTI Equity Fund


5. Smart Money - Page 82  

Manushi Chillar and her financial plans

Debt Market Downfall
Uncertainties may bring in more trouble for the debt market

 Reduction in Expense Ratio Lower MF expense ratio may be detrimental for AMCs
 
    Mutual Funds Reclassification How funds are changing after SEBI announced its reclassification strategy
  
  Fintech Watch Investment platform helping diversify risks
 
Tracking Trades How extended hours will affect trading
 
Moving Places Insurance comes handy while shifting places
 
Ponzi Schemes An insight into how people get duped of their money
 
     Astrology in Investment Can planets influence portfolios?



The last 20 years have been a watershed period of the Indian financial sector. The very premises of investment in India have undergone a drastic change.

From trading in paper shares to online trading, investment have come a long way. In this 20th anniversary issue, we bring to our readers a rich package or

recommendations, picks and advice on mutual funds, stocks, books and of course people who matter to the financial world.

Cover story: Planning To Invest Before Elections Or Hold It Back?

Experts predict an initial jitter but a stable economy post Budget 2019

 

Unclaimed Insurance: Be Cognizant Before Claiming Insurance    

 

Stock Pick: Baby Steps Towards A Stable Growth

 

Interview: Vikram Limaye

Developing Existing Markets and Exploring New Ones

  Also read – Smart Money, Market Outlook, Morningstar Fund Review and other stories

Cover story: Advantage Market Capitalisation  

“Over a 5 year period, the Nifty Midcap 100’s return is far ahead of the Nifty 50 return of 13 per cent”
Tax Planning: Tame your taxes
Start tax planning early to optimise saving and reduce tax liability
Life Insurance: Save Together Secure Each Other
Joint term insurance plan, a great option for married couple
MFs in small cities: Mutual Funds yet to hit Hinterlands
The penetration of mutual funds in smaller cities and rural areas continues to be modest
Also read – Smart Money, Stock Pick, Morningstar Fund Review and other stories

Cover Story: One Tax Too Many – India’s new indirect tax system completes a year of permutations and combinations. ‘Good and Simplex Tax’ strives hard to make an impact on its stakeholders. 

Education Loan : The hidden risks of education loans 

Stock Pick:  The tourism sector looks to restructure business for better yields says Yagnesh Kansara  

Also read – Smart Money, Market Outlook, Morningstar Fund Review and other stories

Cover Story: On The Edge – The Indian Economy is on the tenterhooks as oil boils and the Indian Rupee loses its shine. If crude prices and the currency fall sustains for long, it will hike inflation, impact debt and equity markets and hurt the investment climate. A report by Deepika Asthana. 

The Warren & Charlie Show : The Oracle of Omaha  and his long time partner, Charlie Munger, shared insights right from moats to crypto-currencies at Berkshire Hathaway’s annual meeting meeting at Omaha. 

Mutual Funds:  2018 saw 23 diversified equity funds beat Sensex with a decent margin, but a good part of the universe turned laggard, by Jash Kriplani. 


Also read – Smart Money, Market Outlook, Morningstar Fund Review and other stories

Cover Story: Catch Them Young
While it’s important to teach children about saving and spending money wisely, there are no fixed rules or methods. However, parents should follow a balanced and systematic approach, says Priya Nair
 
Life Planning for Senior Citizens : Planning for the Golden Years
They say 60 is the new 40, and with good reason. As people live longer thanks to advance medical care and technology, their cost of living rises proportionately.
 
Insurance: Critical Illness and how to plan for it:  
Suffering from a chronic illness? You can still get insured.
 
Also read – Smart Money, Market Outlook, Morningstar Fund Review and other stories

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Launched in July 1998, Outlook Money has relentlessly worked as your money manager, helping you invest well, borrow wisely and spend smartly. The Outlook Money magazine has been advising its readers on finance, investing, real estate, smart savings, insurance, healthcare, travel, besides buying and maintaining cars. Through our stories we attempt to give you specific, actionable tips that you can use to make your money grow. It is these efforts of 16 years that has helped us grow from being India’s first personal finance magazine to India’s No. 1 personal finance magazine.

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