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	<title>Rupeetalk-Personal Finance Blog &#187; Rupeetalk</title>
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	<link>http://www.rupeetalk.com/blog</link>
	<description>Personal Finance blog</description>
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		<title>Implications of online MF trading through stock exchanges</title>
		<link>http://www.rupeetalk.com/blog/implications-of-online-mf-trading-through-stock-exchanges/</link>
		<comments>http://www.rupeetalk.com/blog/implications-of-online-mf-trading-through-stock-exchanges/#comments</comments>
		<pubDate>Mon, 25 Jan 2010 11:36:44 +0000</pubDate>
		<dc:creator>Himanshu Sareen</dc:creator>
				<category><![CDATA[Money management]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[BSE]]></category>
		<category><![CDATA[debt schemes]]></category>
		<category><![CDATA[demat account]]></category>
		<category><![CDATA[FMPs]]></category>
		<category><![CDATA[liquid schemes]]></category>
		<category><![CDATA[Mutual fund online trading]]></category>
		<category><![CDATA[NSE]]></category>
		<category><![CDATA[open-ended equity schemes]]></category>
		<category><![CDATA[SIPs]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=817</guid>
		<description><![CDATA[
			
				
			
		
The Securities and Exchange Board of India (SEBI) has opened a new window of opportunities for the Indian mutual fund industry by allowing online trading of MF units through stock exchanges. This move is intended to offer both investors and mutual fund houses a cost-effective and convenient way to trade in mutual funds. But this [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/implications-of-online-mf-trading-through-stock-exchanges/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Best of 2009 – Stocks</title>
		<link>http://www.rupeetalk.com/blog/2009-stocks/</link>
		<comments>http://www.rupeetalk.com/blog/2009-stocks/#comments</comments>
		<pubDate>Sat, 02 Jan 2010 06:46:51 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Monthly income plan]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Best of 2009]]></category>
		<category><![CDATA[Best of 2009 Stocks]]></category>
		<category><![CDATA[Best performing stocks]]></category>
		<category><![CDATA[Double Dhamaka]]></category>
		<category><![CDATA[IT Stocks]]></category>
		<category><![CDATA[SAIL]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Tata Motors]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=790</guid>
		<description><![CDATA[
			
				
			
		
Bonanza year 2009 ended on a happy note and would be remembered for many reasons. Indian stock markets recovered remarkably from their March 2009 lows and went on to register the best year-to-date (YTD) performance in the history of Indian stock market since 1991, with more than 80 per cent return in 2009 and above [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/2009-stocks/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Best of 2009 &#8211; Mutual Funds</title>
		<link>http://www.rupeetalk.com/blog/2009-mutual-funds/</link>
		<comments>http://www.rupeetalk.com/blog/2009-mutual-funds/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 12:07:45 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Monthly income plan]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Best Mutual Funds 2009]]></category>
		<category><![CDATA[Best of Mutual Funds]]></category>
		<category><![CDATA[Mutual Fund 2009]]></category>
		<category><![CDATA[Mutual Fund Performance]]></category>
		<category><![CDATA[Mutual Funds]]></category>
		<category><![CDATA[ULIP]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=778</guid>
		<description><![CDATA[Mutual funds are an ideal product for the retail investors who do not have the required knowledge or time to invest in stocks. They have become an effective means to create wealth by maximising returns and minimising risks. 
]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/2009-mutual-funds/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Birla SunLife Dream Plan – Review</title>
		<link>http://www.rupeetalk.com/blog/birla-sunlife-dream-plan-review/</link>
		<comments>http://www.rupeetalk.com/blog/birla-sunlife-dream-plan-review/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 11:03:35 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Birla Sunlife]]></category>
		<category><![CDATA[Birla Sunlife Dream Plan]]></category>
		<category><![CDATA[Birla Sunlife Dream Plan Review]]></category>
		<category><![CDATA[BSLI Dream Plan]]></category>
		<category><![CDATA[Dream Plan]]></category>
		<category><![CDATA[GMB]]></category>
		<category><![CDATA[GMO]]></category>
		<category><![CDATA[Guaranteed Maturity Benefits]]></category>
		<category><![CDATA[Guaranteed Maturity Options]]></category>
		<category><![CDATA[ULIP]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=725</guid>
		<description><![CDATA[
			
				
			
		
Birla SunLife Dream Plan is a unit-linked insurance plan (ULIP) that provides the double benefit of higher sum assured and guaranteed maturity benefit at a cost lower than the traditional term plan. In addition, it does not carry any premium allocation charges (PAC), probably the only plan in the market with a no-load structure, albeit [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/birla-sunlife-dream-plan-review/feed/</wfw:commentRss>
		<slash:comments>44</slash:comments>
		</item>
		<item>
		<title>LIC Jeevan Saral – Review</title>
		<link>http://www.rupeetalk.com/blog/lic-jeevan-saral-review/</link>
		<comments>http://www.rupeetalk.com/blog/lic-jeevan-saral-review/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 11:23:09 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Monthly income plan]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[endowment assurance plan]]></category>
		<category><![CDATA[Equity Mutual Funds]]></category>
		<category><![CDATA[Golden Peacock Innovative Product/Service Award 2009]]></category>
		<category><![CDATA[Jeevan Saral]]></category>
		<category><![CDATA[jeevan saral review]]></category>
		<category><![CDATA[LIC Jeevan Saral]]></category>
		<category><![CDATA[lic jeevan saral illustration]]></category>
		<category><![CDATA[LIC Jeevan Saral policy]]></category>
		<category><![CDATA[LIC Jeevan Saral Review]]></category>
		<category><![CDATA[Maturity Sum Assured]]></category>
		<category><![CDATA[PPF]]></category>
		<category><![CDATA[Recurring Deposits]]></category>
		<category><![CDATA[SIP]]></category>
		<category><![CDATA[Systematic Investment Plan]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=713</guid>
		<description><![CDATA[Being a disciplined investor pays off in the long run. For example, those investing in equity mutual funds through Systematic Investment Plans (SIPs) or debt instruments such as post office or bank deposits through recurring plans reap richer benefits in the form of higher growth and returns. However, maturity benefits in these plans remain limited to the returns assumed and to the total instalments paid in case of the unfortunate event of death. ‘LIC Jeevan Saral’ – an innovative offering by Life Insurance Corporation of India – takes care of this point. The endowment assurance plan provides not only financial protection in terms of death benefit throughout the term but also long-term capital growth. One of the unique features of the scheme is it provides risk coverage to the extent of 250 times the monthly premium. No wonder, it helped LIC win the Golden Peacock Innovative Product/Service Award 2009.]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/lic-jeevan-saral-review/feed/</wfw:commentRss>
		<slash:comments>60</slash:comments>
		</item>
		<item>
		<title>State bank of India (SBI) home loan vs Housing development finance corporation (HDFC) Home loan –  interest rate war is on!</title>
		<link>http://www.rupeetalk.com/blog/state-bank-of-india-sbi-home-loan-vs-housing-development-finance-corporation-hdfc-home-loan-%e2%80%93-interest-rate-war-is-on/</link>
		<comments>http://www.rupeetalk.com/blog/state-bank-of-india-sbi-home-loan-vs-housing-development-finance-corporation-hdfc-home-loan-%e2%80%93-interest-rate-war-is-on/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 12:40:55 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Monthly income plan]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Popular]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[epf]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[HDFC]]></category>
		<category><![CDATA[HDFC 8.25% Home Loan scheme]]></category>
		<category><![CDATA[HDFC Festive Home Loan Scheme]]></category>
		<category><![CDATA[HDFC Home Loan]]></category>
		<category><![CDATA[Home Loan War]]></category>
		<category><![CDATA[RPLR]]></category>
		<category><![CDATA[SBAR]]></category>
		<category><![CDATA[SBI]]></category>
		<category><![CDATA[SBI 8% Home Loan scheme]]></category>
		<category><![CDATA[SBI Easy Loan]]></category>
		<category><![CDATA[SBI Home Loan]]></category>
		<category><![CDATA[SBI Special Home Loan]]></category>
		<category><![CDATA[SBI vs HDFC Home Loan]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=683</guid>
		<description><![CDATA[
			
				
			
		
It’s showdown time for the two biggies in the housing finance sector: SBI and HDFC. After the economic meltdown, most banks switched their attention from not-so-profitable commercial lending to retail lending, which have formed a sizeable part of their credit portfolio in the recent past. State Bank of India (SBI) was the frontrunner with its [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/state-bank-of-india-sbi-home-loan-vs-housing-development-finance-corporation-hdfc-home-loan-%e2%80%93-interest-rate-war-is-on/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>ICICI Prudential Pinnacle Guaranteed NAV- Review</title>
		<link>http://www.rupeetalk.com/blog/icici-prudential-pinnacle-guaranteed-nav-review/</link>
		<comments>http://www.rupeetalk.com/blog/icici-prudential-pinnacle-guaranteed-nav-review/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 12:22:24 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[ELSS]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Fixed Deposit]]></category>
		<category><![CDATA[Guaranteed NAV]]></category>
		<category><![CDATA[Guaranteed Return]]></category>
		<category><![CDATA[ICICI Pru Pinnacle]]></category>
		<category><![CDATA[ICICI Pru Pinnacle Review]]></category>
		<category><![CDATA[ICICI Prudential Pinnacle Fund]]></category>
		<category><![CDATA[ICICI Prudential Pinnacle Review]]></category>
		<category><![CDATA[Invest Assure]]></category>
		<category><![CDATA[NAV]]></category>
		<category><![CDATA[Pinnacle Fund]]></category>
		<category><![CDATA[Platinum Plus]]></category>
		<category><![CDATA[Smart ULIP]]></category>
		<category><![CDATA[ULIP]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=650</guid>
		<description><![CDATA[Guaranteed return products are undoubtedly very popular among us Indians. We use at least one of these products, say, bank deposits, NSC, KVP, PPF, REC Bonds, etc., to pick up a decent fixed return. For long, the market was dominated by the government-backed guaranteed return products, but now private players have entered the fray to give them a stiff competition. Sensing the money-making opportunity, private players have experimented with capital protection plans and market-linked guaranteed return plans. The latest offering is by ICICI Prudential which has introduced ICICI Pru Pinnacle, a guaranteed return unit-linked insurance plan (ULIP). But the question remains as whether this plan will succeed in attracting investors by offering something new or fall flat.]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/icici-prudential-pinnacle-guaranteed-nav-review/feed/</wfw:commentRss>
		<slash:comments>41</slash:comments>
		</item>
		<item>
		<title>RBI exits loose monetary policies</title>
		<link>http://www.rupeetalk.com/blog/rbi-exits-loose-monetary-policies/</link>
		<comments>http://www.rupeetalk.com/blog/rbi-exits-loose-monetary-policies/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 12:45:36 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Feature]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Mutual Fund]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Cash Reserve Ratio]]></category>
		<category><![CDATA[G-Sec]]></category>
		<category><![CDATA[GDP]]></category>
		<category><![CDATA[Held to maturity]]></category>
		<category><![CDATA[HTM]]></category>
		<category><![CDATA[Monetary Policy]]></category>
		<category><![CDATA[RBI]]></category>
		<category><![CDATA[Repo rate]]></category>
		<category><![CDATA[Reverse Repo]]></category>
		<category><![CDATA[Second Quarter Monetary Policy]]></category>
		<category><![CDATA[SLR]]></category>
		<category><![CDATA[Statutory Liquidity Ratio]]></category>
		<category><![CDATA[Yield]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=607</guid>
		<description><![CDATA[India’s domestic economy has started showing some signs of revival which is evident from the encouraging numbers that are received from different quarters. On the other hand, the global economic outlook is still not very clear. In this situation, the Reserve Bank of India (RBI) is forced to initiate some precautionary steps on account of abundant liquidity, inflationary pressures and weak credit off-take. As a result, the RBI has announced exit from its expansionary policy and has taken out some of the liquidity windows offered to the ailing sectors during the global crisis.]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/rbi-exits-loose-monetary-policies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>‘Auto Sweep’ facility: Have you enabled it?</title>
		<link>http://www.rupeetalk.com/blog/auto-sweep-facility-have-you-enabled-it/</link>
		<comments>http://www.rupeetalk.com/blog/auto-sweep-facility-have-you-enabled-it/#comments</comments>
		<pubDate>Thu, 08 Oct 2009 05:15:21 +0000</pubDate>
		<dc:creator>rupeetalk-research-team</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Feature]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Money management]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Savings Account]]></category>
		<category><![CDATA[Auto Sweep]]></category>
		<category><![CDATA[CASA]]></category>
		<category><![CDATA[Fixed Deposit]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[Saving Account]]></category>
		<category><![CDATA[Saving Plus]]></category>
		<category><![CDATA[Sweep in]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=560</guid>
		<description><![CDATA[Retail banking in India has undergone a sea change in the last two decades. The change is visible everywhere, right from operations to products. However, the real benefits of a new thing are realised only when it is utilised completely. For example, in retail banking, savings accounts hold a special place as customers use them for their day-to-day transactions like salary transfer, loan repayment, electronic clearing services (ECS) payments. But these accounts offer a very little interest on savings, i.e., 3.5 per cent! On the other hand, a traditional fixed deposit carries an interest rate of 7 to 8 per cent. ]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/auto-sweep-facility-have-you-enabled-it/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Interim budget: An analysis</title>
		<link>http://www.rupeetalk.com/blog/interim-budget-analysis/</link>
		<comments>http://www.rupeetalk.com/blog/interim-budget-analysis/#comments</comments>
		<pubDate>Mon, 23 Feb 2009 08:40:49 +0000</pubDate>
		<dc:creator>rupeetalk.com</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Rupeetalk]]></category>
		<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[interim budget]]></category>
		<category><![CDATA[vote on account]]></category>

		<guid isPermaLink="false">http://www.rupeetalk.com/blog/?p=11</guid>
		<description><![CDATA[
			
				
			
		
The vote on account or interim budget presented by the United Progressive Alliance (UPA) government has remained faithful to convention and not made any major changes in the tax rates. While this might seem to be a disappointment for individuals with respect to their personal finances, there are several indications that should help them in [...]]]></description>
		<wfw:commentRss>http://www.rupeetalk.com/blog/interim-budget-analysis/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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