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	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Financial Planning</title>
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	<link>http://www.apnapaisa.com</link>
	<description>Get Smart</description>
	<pubDate>Mon, 22 Dec 2008 12:01:27 +0000</pubDate>
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			<item>
		<title>The magic of compounding</title>
		<link>http://www.apnapaisa.com/2008/12/18/the-magic-of-compounding/</link>
		<comments>http://www.apnapaisa.com/2008/12/18/the-magic-of-compounding/#comments</comments>
		<pubDate>Thu, 18 Dec 2008 14:12:10 +0000</pubDate>
		<dc:creator>NM Mondkar</dc:creator>
		
		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[compounding rate of return]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[magic of compounding]]></category>

		<category><![CDATA[retirement corpus]]></category>

		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1096</guid>
		<description><![CDATA[Retirement planning is one of the most important aspects of your life and you should start planning for the same as early as possible, simply because the earlier you plan the more money you would be able to save, thus earning more.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/18/the-magic-of-compounding/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Mutual Funds – Unique Investment Gateway</title>
		<link>http://www.apnapaisa.com/2008/12/14/mutual-funds-%e2%80%93-unique-investment-gateway/</link>
		<comments>http://www.apnapaisa.com/2008/12/14/mutual-funds-%e2%80%93-unique-investment-gateway/#comments</comments>
		<pubDate>Sun, 14 Dec 2008 14:56:40 +0000</pubDate>
		<dc:creator>Prabhat Varma</dc:creator>
		
		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Mutual Fund]]></category>

		<category><![CDATA[AMC]]></category>

		<category><![CDATA[asset management company]]></category>

		<category><![CDATA[asset under management]]></category>

		<category><![CDATA[AUM]]></category>

		<category><![CDATA[balanced schemes]]></category>

		<category><![CDATA[close ended]]></category>

		<category><![CDATA[flexibility]]></category>

		<category><![CDATA[fund managers]]></category>

		<category><![CDATA[growth schemes]]></category>

		<category><![CDATA[income schemes]]></category>

		<category><![CDATA[index schemes]]></category>

		<category><![CDATA[indicative portfolio]]></category>

		<category><![CDATA[investment objectives]]></category>

		<category><![CDATA[liquidity]]></category>

		<category><![CDATA[money market schemes]]></category>

		<category><![CDATA[mutual funds]]></category>

		<category><![CDATA[open ended]]></category>

		<category><![CDATA[portfolio diversification]]></category>

		<category><![CDATA[portfolio turnover]]></category>

		<category><![CDATA[professional management]]></category>

		<category><![CDATA[SEBI]]></category>

		<category><![CDATA[SEBI (Mutual Fund) Regulations 1996]]></category>

		<category><![CDATA[sector-specific schemes]]></category>

		<category><![CDATA[sponsors]]></category>

		<category><![CDATA[tax saving schemes]]></category>

		<category><![CDATA[transparency]]></category>

		<category><![CDATA[trustees]]></category>

		<category><![CDATA[Unit Trust of India]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1070</guid>
		<description><![CDATA[Mutual funds constitute a unique investment gateway where you can invest a small sum and reap the benefits of a well-diversified portfolio selected by professionals, who are not only accountable to their seniors at the mutual fund but also responsible to you as the investor.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/14/mutual-funds-%e2%80%93-unique-investment-gateway/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Risk of underestimating risk</title>
		<link>http://www.apnapaisa.com/2008/12/07/risk-of-underestimating-risk/</link>
		<comments>http://www.apnapaisa.com/2008/12/07/risk-of-underestimating-risk/#comments</comments>
		<pubDate>Sun, 07 Dec 2008 15:06:28 +0000</pubDate>
		<dc:creator>Prabhat Varma</dc:creator>
		
		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[business risk]]></category>

		<category><![CDATA[cash flow at risk]]></category>

		<category><![CDATA[counterparty risk]]></category>

		<category><![CDATA[credit risk portfolio model]]></category>

		<category><![CDATA[credit scoring model]]></category>

		<category><![CDATA[delta normal method]]></category>

		<category><![CDATA[financial risk]]></category>

		<category><![CDATA[historical simulation method]]></category>

		<category><![CDATA[inflation risk]]></category>

		<category><![CDATA[interest rate risk]]></category>

		<category><![CDATA[liquidity risk]]></category>

		<category><![CDATA[market risk]]></category>

		<category><![CDATA[market risk derivative instruments]]></category>

		<category><![CDATA[Merton model]]></category>

		<category><![CDATA[Monte Carlo simulation method]]></category>

		<category><![CDATA[operational risk]]></category>

		<category><![CDATA[political risk]]></category>

		<category><![CDATA[portfolio diversification]]></category>

		<category><![CDATA[risk]]></category>

		<category><![CDATA[risk identification]]></category>

		<category><![CDATA[risk management]]></category>

		<category><![CDATA[risk management committee]]></category>

		<category><![CDATA[risk measurement]]></category>

		<category><![CDATA[risk mitigation]]></category>

		<category><![CDATA[risk-measurement models]]></category>

		<category><![CDATA[scenario analysis]]></category>

		<category><![CDATA[sovereign risk]]></category>

		<category><![CDATA[stress testing]]></category>

		<category><![CDATA[technology risk]]></category>

		<category><![CDATA[VAR]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1075</guid>
		<description><![CDATA[Risk is all-pervasive. Wherever there is uncertainty, risk prevails. The concept of risk is omnipresent from the existence of mankind, but now it has become more relevant due to interdependence of economies throughout the globe.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/07/risk-of-underestimating-risk/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Constant Mix Portfolio Rebalancing strategy</title>
		<link>http://www.apnapaisa.com/2008/12/06/constant-mix-portfolio-rebalancing-strategy/</link>
		<comments>http://www.apnapaisa.com/2008/12/06/constant-mix-portfolio-rebalancing-strategy/#comments</comments>
		<pubDate>Sat, 06 Dec 2008 12:51:39 +0000</pubDate>
		<dc:creator>Amar Joshi</dc:creator>
		
		<category><![CDATA[Debt]]></category>

		<category><![CDATA[Equities]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[BSE]]></category>

		<category><![CDATA[capital]]></category>

		<category><![CDATA[capital erosion]]></category>

		<category><![CDATA[constant mix portfolio rebalancing]]></category>

		<category><![CDATA[equity]]></category>

		<category><![CDATA[losses]]></category>

		<category><![CDATA[market slump]]></category>

		<category><![CDATA[Sensex]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1065</guid>
		<description><![CDATA[The recent situation in the stock market has left most wondering how and by what means they can make some gains; or for that matter just not incur losses and preserve their capital to the extent possible without any erosion.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/06/constant-mix-portfolio-rebalancing-strategy/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How to buy in today&#8217;s market - Fundamental Analysis</title>
		<link>http://www.apnapaisa.com/2008/12/02/1035/</link>
		<comments>http://www.apnapaisa.com/2008/12/02/1035/#comments</comments>
		<pubDate>Tue, 02 Dec 2008 11:13:42 +0000</pubDate>
		<dc:creator>Kirtan Shah</dc:creator>
		
		<category><![CDATA[Equities]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[bear market]]></category>

		<category><![CDATA[cash flow]]></category>

		<category><![CDATA[depreciation]]></category>

		<category><![CDATA[earnings]]></category>

		<category><![CDATA[earnings expectations]]></category>

		<category><![CDATA[earnings plus depreciation]]></category>

		<category><![CDATA[expanding operating margin]]></category>

		<category><![CDATA[initial public offer]]></category>

		<category><![CDATA[Investing]]></category>

		<category><![CDATA[investment scenario]]></category>

		<category><![CDATA[IPO]]></category>

		<category><![CDATA[market niche]]></category>

		<category><![CDATA[market price]]></category>

		<category><![CDATA[operating margin]]></category>

		<category><![CDATA[profit margin]]></category>

		<category><![CDATA[profit opportunity]]></category>

		<category><![CDATA[return on equity]]></category>

		<category><![CDATA[ROE]]></category>

		<category><![CDATA[stock selections]]></category>

		<category><![CDATA[V-shaped market]]></category>

		<category><![CDATA[valuations]]></category>

		<category><![CDATA[value stocks]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1035</guid>
		<description><![CDATA[Difficult as this economic climate appears, I want to stress that this is still a very good time to invest. The third quarter saw a correction morph into a bear market and panic. Steep stock market deterioration was concentrated in late September and October.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/02/1035/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Equity Investing: Do It Yourselfs</title>
		<link>http://www.apnapaisa.com/2008/11/25/equity-investing-do-it-yourselfs/</link>
		<comments>http://www.apnapaisa.com/2008/11/25/equity-investing-do-it-yourselfs/#comments</comments>
		<pubDate>Tue, 25 Nov 2008 09:25:39 +0000</pubDate>
		<dc:creator>Naveen Fernandes</dc:creator>
		
		<category><![CDATA[Equities]]></category>

		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[bank FD rates]]></category>

		<category><![CDATA[bank FDs]]></category>

		<category><![CDATA[bear market]]></category>

		<category><![CDATA[bull market]]></category>

		<category><![CDATA[equity market]]></category>

		<category><![CDATA[fixed deposits]]></category>

		<category><![CDATA[forecast]]></category>

		<category><![CDATA[fund managers]]></category>

		<category><![CDATA[investment portfolio]]></category>

		<category><![CDATA[PE ratio]]></category>

		<category><![CDATA[return on equity]]></category>

		<category><![CDATA[Sensex]]></category>

		<category><![CDATA[SIP]]></category>

		<category><![CDATA[systematic investment plans]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1031</guid>
		<description><![CDATA[On vacation earlier this month my wife and I visited a casino during an evening with friends. We were clearly the poorest of our group. We started setting a limit to the amount we would lose that evening. Like all our friends, we lost.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/25/equity-investing-do-it-yourselfs/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Investment basics - Know the game</title>
		<link>http://www.apnapaisa.com/2008/11/21/investment-basics-know-the-game/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/investment-basics-know-the-game/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 10:01:48 +0000</pubDate>
		<dc:creator>Priyesh Shah</dc:creator>
		
		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[anticipated cash flows]]></category>

		<category><![CDATA[assets]]></category>

		<category><![CDATA[bonds]]></category>

		<category><![CDATA[brokers]]></category>

		<category><![CDATA[cash]]></category>

		<category><![CDATA[cash equivalent]]></category>

		<category><![CDATA[conservation of wealth]]></category>

		<category><![CDATA[consumption cycle]]></category>

		<category><![CDATA[equity shares]]></category>

		<category><![CDATA[increase of wealth]]></category>

		<category><![CDATA[inevestment]]></category>

		<category><![CDATA[investment plan]]></category>

		<category><![CDATA[market speculators]]></category>

		<category><![CDATA[mutual funds]]></category>

		<category><![CDATA[risk appetite]]></category>

		<category><![CDATA[speculation]]></category>

		<category><![CDATA[stock speculation]]></category>

		<category><![CDATA[wealth creation]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1021</guid>
		<description><![CDATA[Most of us spend more than half of our lives working and saving money. However, most of us spend almost no time planning to make that hard-earned money work more effectively for us.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/investment-basics-know-the-game/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Retirement Planning Basics</title>
		<link>http://www.apnapaisa.com/2008/11/19/retirement-planning-basics/</link>
		<comments>http://www.apnapaisa.com/2008/11/19/retirement-planning-basics/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 15:58:37 +0000</pubDate>
		<dc:creator>Kirtan Shah</dc:creator>
		
		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Retirement Planning]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[AAA rating]]></category>

		<category><![CDATA[Beta]]></category>

		<category><![CDATA[blue chip stocks]]></category>

		<category><![CDATA[Bombay Stock Exchange]]></category>

		<category><![CDATA[BSE]]></category>

		<category><![CDATA[debt investment]]></category>

		<category><![CDATA[dividend]]></category>

		<category><![CDATA[economic indicators]]></category>

		<category><![CDATA[equity investment]]></category>

		<category><![CDATA[G-Secs]]></category>

		<category><![CDATA[government securities]]></category>

		<category><![CDATA[high-rated bonds]]></category>

		<category><![CDATA[Inflation]]></category>

		<category><![CDATA[investment portfolio]]></category>

		<category><![CDATA[mutual funds]]></category>

		<category><![CDATA[purchasing power]]></category>

		<category><![CDATA[retirement planning]]></category>

		<category><![CDATA[risk profile]]></category>

		<category><![CDATA[Sensex]]></category>

		<category><![CDATA[tax-free income]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=739</guid>
		<description><![CDATA[Inflation is a money eater that reduces your purchasing power. For instance if the average rate of inflation is 8%, you need to make sure that your investments are earning a minimum of 8% or more, post-tax.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/19/retirement-planning-basics/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Financial Checklist</title>
		<link>http://www.apnapaisa.com/2008/11/11/593/</link>
		<comments>http://www.apnapaisa.com/2008/11/11/593/#comments</comments>
		<pubDate>Tue, 11 Nov 2008 12:27:43 +0000</pubDate>
		<dc:creator>Priyesh Shah</dc:creator>
		
		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[annual premium details]]></category>

		<category><![CDATA[antiques]]></category>

		<category><![CDATA[art]]></category>

		<category><![CDATA[bank account nos. bank branch details]]></category>

		<category><![CDATA[bank fixed deposits]]></category>

		<category><![CDATA[bonds]]></category>

		<category><![CDATA[checking account]]></category>

		<category><![CDATA[credit card details]]></category>

		<category><![CDATA[current account]]></category>

		<category><![CDATA[financial checklist]]></category>

		<category><![CDATA[financial literacy]]></category>

		<category><![CDATA[insurance details]]></category>

		<category><![CDATA[insurance nominee]]></category>

		<category><![CDATA[investments]]></category>

		<category><![CDATA[jewelry]]></category>

		<category><![CDATA[Life Insurance]]></category>

		<category><![CDATA[loan details]]></category>

		<category><![CDATA[Mediclaim]]></category>

		<category><![CDATA[mutual fund investments]]></category>

		<category><![CDATA[mutual funds]]></category>

		<category><![CDATA[nomination papers]]></category>

		<category><![CDATA[original purchase agreement]]></category>

		<category><![CDATA[owned properties]]></category>

		<category><![CDATA[PAN]]></category>

		<category><![CDATA[permanent account number]]></category>

		<category><![CDATA[policy holders]]></category>

		<category><![CDATA[post office account]]></category>

		<category><![CDATA[PPF]]></category>

		<category><![CDATA[PPF account]]></category>

		<category><![CDATA[public provident fund]]></category>

		<category><![CDATA[real estate investments]]></category>

		<category><![CDATA[registration papers]]></category>

		<category><![CDATA[savings account]]></category>

		<category><![CDATA[shareholding certificates]]></category>

		<category><![CDATA[sum assured]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=593</guid>
		<description><![CDATA[It is said that &#8220;If we all perform our duties meticulously then we are surely on the path of prosperity.&#8221; Every individual should be aware about his or her duties towards family members, relatives, friends, and society. In addition to social responsibilities, it is imperative that every individual should also have basic financial literacy.
To take [...]]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/11/593/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Straddle Strategy</title>
		<link>http://www.apnapaisa.com/2008/11/08/straddle-strategy/</link>
		<comments>http://www.apnapaisa.com/2008/11/08/straddle-strategy/#comments</comments>
		<pubDate>Fri, 07 Nov 2008 19:50:41 +0000</pubDate>
		<dc:creator>Hiral Thanawala</dc:creator>
		
		<category><![CDATA[Derivatives]]></category>

		<category><![CDATA[Economy]]></category>

		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[call option]]></category>

		<category><![CDATA[emergin markets]]></category>

		<category><![CDATA[equity markets]]></category>

		<category><![CDATA[high volatility]]></category>

		<category><![CDATA[put option]]></category>

		<category><![CDATA[straddle strategy]]></category>

		<category><![CDATA[strike price]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=636</guid>
		<description><![CDATA[The equity markets were up with a bang. The bulls had a party and celebrations post Diwali festival. It is considered as a remarkable recovery from the bottom. Well, it seems difficult to talk about whether this bull party will last for a long time.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/08/straddle-strategy/feed/</wfw:commentRss>
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