Contents
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       Preface
      to the Twentieth Edition  | 
    
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       Acknowledgements  | 
    
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       1.  | 
    
       The Economic Survey:
      2010-2011  | 
    
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        International Developments  GDP Growth  Industry  Agriculture  Infrastructure  Inflation  Balance of Payments  Gross Domestic Savings  Money Supply (M3)  Fiscal Deficit  Capital Markets  Economic Outlook for 2011-2012  | 
    
       
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       2.  | 
    
       Union Budget,
      2011-2012  | 
    
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      Tax Systems: Policy Proposals  Major Direct Taxes  | 
    
       
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       3.  | 
    
       The Investment
      Scenario: 2011-2012  | 
    
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        Foreign Institutional Investment  SEBI: The Watch-Dog  Other Major Developments  The Stock Market Diary: 2010-2011  Stock Market Prospects for 2011-12  Appendix 3.1: Some Useful Web-sites  | 
    
       
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       4.  | 
    
       Risks  | 
    
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      The Basis of Intelligent Personal Investment  | 
    
       
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       5.  | 
    
       Returns  | 
    
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      Components of Returns  Regular Returns versus Capital Appreciation 
      Dividends versus Yield  Simple and Compound Rates of Return 
      Compounding, Discounting, Present Values and Annuities  The Rule of 72
       Bond Yields  Effect of Taxation on Returns 
      Appendix 5.1: Interest Tables
      and How to Use Them  | 
    
       
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       6.  | 
    
       The Forbidden Fruit
      – Where not to Invest  | 
    
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      Avoid This Ride: Car Rental Investment Firms  | 
    
       
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       7.  | 
    
       Personal Taxation  | 
    
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      Tax Laws  Income Tax 
      Income Tax Benefits on Certain
      Investments  Income Tax
      on Salaries  | 
    
       
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       8.  | 
    
       Protection through
      Insurance  | 
    
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      Objectives of Life Insurance 
      How Much Should You Insure?  The
      Cost of Life Insurance 
      Types of Insurance Policies 
      Unit Linked Insurance Policies (ULIPs) 
      Householder’s Insurance 
      Joint Life Plans Children’s
      Plans  Women’s
      Insurance Plans  Some
      Guidelines  | 
    
       
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      9.  | 
    
       Small Savings Schemes  | 
    
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      Common Features  Post
      Office Savings Schemes  | 
    
       
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       10.  | 
    
       Bank Deposits  | 
    
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      New Era in Banking 
      Guidelines for Fixed Deposits with Banks 
      Complaints / Banking Ombudsman  
      Innovative Deposit Schemes of Foreign and Private Sector Banks
       Banking Reforms  | 
    
       
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       11.  | 
    
       Investing in Company
      Deposits, Debentures, Bonds, and G-Secs  | 
    
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      Company Deposits 
      Debentures of Private Sector Companies 
      Public Sector Bonds  Finance
      and Manufacturing Companies with Highest Investment Ratings 
      G-Secs  Appendix 11.1: Credit Rating System for Debentures and Deposits
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       12.  | 
    
       Investing in Real Estate  | 
    
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      Agricultural Land 
      Farmhouses  Urban Land  | 
    
       
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       13.  | 
    
       Investing in Gold and Silver  | 
    
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      The Popularity of Gold 
      Sources and Price of Gold  Gold
      in   | 
    
       
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       14.  | 
    
       Equity Shares  | 
    
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      Dreams and Nightmares 
      Advantages of Equity Investment 
      Problems of Investing in Equity Shares  Types
      of Equity Shares 
      Factors which Influence Share Prices  A
      Framework for Analysis and Decisions  Recommended
      Equity Investments: 2011-2012  10
      Model Portfolios  | 
    
       
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       15.  | 
    
       Stock
      Market Derivatives  | 
    
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      From Hedging to Speculating  What are Derivatives?  How to read
      Newspaper Prices  Derivatives vs. Stocks  Derivatives in India
      Comes of Age  | 
    
       
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       16.  | 
    
       Mutual Funds  | 
    
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      Types of Mutual Funds  How
      a Mutual Fund Operates 
      Advantages of Mutual Funds  | 
    
       
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       17.  | 
    
       Personal Tax Planning  | 
    
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      Introduction to Tax Planning 
      How to Maintain a Zero-tax Status through Fixed Income Investments  | 
    
       
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       18.  | 
    
       Personal Investment
      Portfolios: 18 Model Profiles  | 
    
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      Individual Profiles  Risk
      Categories of Different Individual Profiles 
      Common Investment Recommendations  | 
    
       
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       19.  | 
    
       Wealth Management  | 
    
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      Problems of Plenty  How Smart Home Works  | 
    
       
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       Database  | 
    
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      Income Tax Table   | 
    
       
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       Epilogue: The Secret
      of Success  | 
    
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