Page 27 - Financial Investment

Rate cuts are not a panacea for all ills

Strong focus on the banking sector and plenty of on-the-ground reforms are also required

Five tricks builders won't be able to pull off

Homebuyers stand to benefit from the approval of the real estate Bill

New options for saving capital gains tax

By investing Rs 50 lakh in a start-up directly or indirectly, you can optimise your tax savings

Investors might give gold bonds a miss

These are perfect for those who used to buy gold in physical form

Buy women-specific products only if they offer value

Instead of blindly opting for products that have the 'woman' tag in their names, compare them with gender-neutral products and then decide

Case study

Business Standard analyses one family's finances and suggests a way forward

Nothing much to cheer about

Whether it is retirement savings or expenses, there will be some additional burden from the Union Budget. On the positive side, the FM has addressed tax-related bottlenecks

Readers' Corner: Life Insurance

Amitabh Chaudhry, managing director and CEO at HDFC Life, answers your questions

Hotspot: NH-24, National Capital Region

Developing fast as an affordable housing corridor

Original builder responsible for completion of housing project

Builder can't escape liability by merely assigning development rights to another developer

Contain downside risk using value funds

If you have a long-term horizon, allocate 10-15 per cent to these funds, as they offer stability and risk-adjusted returns

No additional charge on digital payments

Immediate benefit will be in petrol payments, booking rail tickets

Cost-cutting tips for entrepreneurs

To reduce infrastructure costs, buy online, use cloud-based services for HR and telephony services, and rent office space as and when required

Realty check: Budget- Rs 3-3.5 crore

Case study

Readers' Corner: Mutual Fund

The right questions before picking a high-value term plan

The rack rate of premia is seldom going to be the amount that the insurance company charges even the fittest of persons

Positive surprises will trigger buying

With no bullish build-up to the Budget, bears may have already discounted the negatives

Five ways to improve your household budget

Today, when the nation's attention is on the Union Budget, take a moment to consider ways to improve your finances

Financial planners' fees should match your needs

For someone with limited assets, it does not really make sense to opt for an advisor who will charge you for personalised services. For the wealthy, either asset-based or a flat fee works out better