Page 29 - Financial Investment

Builder must hand over all documents to society

Failure to execute conveyance in favour of the housing society would amount to deficiency in service and builder can be penalised for the same

Review your finances this Valentine's Day

When making additional investments in your spouse's name, remember income arising out of the gift will be clubbed with yours

Card protection plans suit frequent travellers

Not all frauds are covered but these plans do provide safety from skimming and cloning of cards and emergency funds if a person loses his wallet and doesn't have access to money

India vulnerable to further slowdown

If exports shrink more, there could be a major crisis

Only your prudence can keep scamsters at bay

The PACL scam highlights the need for investors to do their homework before giving their money to any entities

Prenuptial agreements likely to be mandatory

It could make divorces amicable and help reduce court cases, experts say

A married woman can also become karta

Recent Delhi HC ruling lets the eldest woman in HUF to be its karta, giving her custodial powers over its finances

SBI's FlexiPay suitable for those with secure jobs

Could be risky if borrowers' salary does not keep pace with rising EMI

Realty check: Budget - Rs 2-2.5 crore

Readers' Corner: Life Insurance

Case study

Survey report binding unless there's contrary evidence

Top funds beat benchmarks in a bear market

If you have laggards, stop allocating fresh money to them and watch their performance for three quarters

A golden ticket to citizenship

A number of countries allow you to become citizens by investing in government-approved projects or real estate or by buying bonds

Health policy: More disclosures, flexibility

You can look forward to discounts on premium for healthy behaviour and innovative products, if the health insurance proposals are passed

What will RBI do?

A surprise rate cut will bring positive sentiment around the Budget. A rate hike will be a shocker

Understanding numbers in claim settlement

While LIC has a better settlement ratio than that of private players, it is not the only parameter to go by

Putting infra back on a firm footing

This should be one of the thrust areas in the Budget

Don't bet on value funds in a rising market

In a growth market, these funds should not form more than 10-15% of your portfolio. Invest with a horizon of at least 5 years

Buy good stocks, not sectors

Large-cap scrips are still trading at a discount to mid-caps. While this gap is expected to narrow, investors should take a stock-specific approach in the current market