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Let's Talk Money

Let's Talk Money Team wrote a post :

Let's Talk Money Team

INSURANCE QUERIES REPLIED BY HARSH
ROONGTA, CEO, APNAPAISA.COM.

 

Q 1) Vishal

 

My Father invested Rs. 18000 in ICICI
Prudential Life time Super Maximiser in 2007 and he discontinued in 2010 . He
invested for all the family members . What is the best time to redeem the
amount. What will be the tax implication . Please let me know what should be my
strategy as I don't understand these kind of products. We are ready to wait for
other 3 plus years to redeem.

 

Reply:

 

ICICI Prudential Life time Super is a unit linked
insurance plan wherein inv ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

QUERIES RESPONDED BY LOVAII NAVLAKHI - Q 1) Jeetendra

Hi,

Hope this email finds you in good health, My name is
Jeetendra Jena, I am 27 years old,a native of Bhubaneswar, I am a regular
viewer of your programme, and I like the way you suggest people to overcome
their liabilities. And I am sure you will also help too.

My Problem -I am a credit holder of hdfc bank, my
credit limit was 27,000/- but I defaulted in paying the amount few years back,
for which my total outstanding is now  49,000/-though I am paying the
minimum due ,I have found that I have paid more than ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

QUERIES RESPONDED BY ANIL REGO - Q 1) GV swamy 

Dear Sir,

I am drawing a salary of Rs.30,000/- per month. Right now, I have a cash of Rs.
4 lakhs and in my PF Account another Rs.4 lakhs are there. I have two children.
One child is studying in Class I and another child is studying in Nursery.
After all my expenses, I can save Rs.7000 to 8000 per month. Now I want to buy
a flat at the coswt of 17 lakhs. Could you please guide me whether I should
proceed further or not. 

With regards,

Yours faithfully,

(G.V. Swamy)

9650895821.
E-mail Id: gvsdelhi@rediffmail ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

MUTUAL FUND QUERIES

 

Q 1) Sanjay

Hi,

 

I am Sanjay. 

 

I want to know what retirement corpus will the
following investment will generate 10 yrs from now.

 

12 lac rupees/year investment starting 2011 in SIPs for the next 8 yrs.

I have already taken care of my health and term insurance and also contingency
fund.

Here is my portfolio - 12 lacs is distributed equally among these.

Birla sun life frontline eq.
DSP BR .Equity fund 
HDFC top 200
HDFC Prudence Fund 
ICICI PRU Focused Equity 
Reliance Reguler Saving Eq ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

Harsh Vardhan Roongta profile
Harsh Vardhan Roongta is a qualified Chartered Accountant. After passing his CA in 1983, he joined the tax department of A F Ferguson and Co. where he acquired intensive skills on Income Tax. He joined ICICI in 1985 where he did stints in the leasing and investment banking departments. During his tenure at ICICI Leasing he was involved in the risk evaluation and appraisal, funding and monitoring of several large scale projects. The entrepreneurial bug bit him for the first time in 1990 when he along with two of his ICICI Colleagues started a boutique investm ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

Your queries have been answered by our expert Sumeet Vaid.Q 1) Prakash Makhija

Hi Manisha,

 

My name is Prakash Makhija from Pune and am working in a KPO, age 27
and have an objective of capital appreciation. Please have a look at the policy
that I have taken and express your opinion:

 

Life Insurance:


LIC
Jeevan Tarang - SA - 4,00,000/-
LIC term
insurance for 25 years - SA - 10,00,000/-


 

1. Want to buy another Whole life plan of LIC for 5,00,000 or term
insurance, probably a single premium option - Please advise the right one.

...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

LETS TALK MONEY – QUERIES
ANSWERED BY HARSH ROONGTA, CEO, APNAPAISA.COM

 

Q 1) MUSTAFA

I
am Mustafa from Tirupur in Tamil Nadu aged 42 having own business and have two
children and own house. I have Rs. 10000 per month spare to invest. Can you
advise me how best I can invest them to maximize wealth? At present I just put
money in NPS and HDFC Gold ETF. 

Reply:-

There are four things that you
need to do to maximize your wealth.

1.  Make sure you are adequately protected against
contingencies such as the death of the earning member as well as the cost of ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

YOUR QUERIES HAVE BEEN ANSWERED BY OUR EXPERT - SURESH SADAGOPAN Q 1)  Vikas

Hi,

 

This is Vikas here and I watch
the investor guide show on a regular basis. My question is as below:

 

I am investing in HDFC
Prudence (Balanced fund - 2000/-) and HDFC Equity fund (Multicap fund -
2000/-). I can invest another 6000/- per month. My time horizon is 10 years
except for the balanced fund for which its 5 yrs. kindly suggest good
large cap and mid cap funds so that my portfolio can be diversified. Can I
add an Index fund to my folio????

  ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

 

Q 1) Kishore

Dear
sir/Madam ,

 

I am working as manager in
a construction company. I am getting 63000/- take home salary. And saving
about 25000/-pm.  Presently I am investing 20000/- in SBI ULIP, and
25000/- in insurance per Annam. Rest of amount is in saving bank account only.

 

Kindly suggest me to invest in better
area which i don't want to take any risk to my amount Aiming a beautiful
house, children's higher education, and having handsome amount in hand at
the time of retirement. Now I am 29yrs. old blessed with two children.

&n ...more8 years ago

Let's Talk Money Team wrote a post :

Let's Talk Money Team

YOUR QUERIES HAVE BEEN ANSWERED BY OUR FINANCIAL PLANNER
LOVAII NAVLAKHI 

 

Q 1) GANESH,
DUBAI

Dear
Friends,

My name is S.Ganesh

I was just watching your programme in NDTV profit re the Issues faced by
customers in ULIP.

I am also one of the beneficiary of the same Issue.

I have taken about three policies with one of the leading bank in India
SCB.

Am paying INR 55000.00
INR 100000.00
INR 100000.00

As premium for the policies   I have taken the 1st policy in 2007 and paying
the premiums regularly and other policies have been taken in 2009.
...more8 years ago

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About The Anchor: Manisha Natarajan



Manisha Natarajan is Executive Editor Business and Real Estate at NDTV. She currently hosts the daily prime time real estate programme 'The Property Show' and a weekend personal finance show ‘Let's Talk Money’.

Manisha learnt the ropes of television journalism as a reporter for BBC World's 'Moneywise' and 'India Business Report'. She has anchored over 1000 hours of live business news, including key events such as the Union Budget, Economic Survey, Credit Policy and Tax Roundtables.

She's also a keen blogger on ndtv.com and has been an in between columnist with Indian Express - ‘Stock Talk’ and Mint - ‘Money Matters’.


About The Show

There are either personal finance shows or business shows. The two don't meet. Let's Talk Money decodes top business headlines for your wallet.

Fun segments on money and strong advise on money management follow. No long winding discussions, no hedging answers to play safe. Along with industry specialists and experts, the show gets viewers to sit up and take control of their money, asking questions relevant to a large audience out there.


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