Page 32 - Financial Investment

Case study

Realty check

Budget: Rs 1-1.5 crore

Plan your summer holiday now

It's a good way of cutting costs, on both travel and stay; also, in case of late cancellations, travel agencies will offer alternative dates or locations

General Insurance: Rakesh Jain

Actual loss need not be paid if claim is inflated

Insurance company is not liable to pay claim if fraudulent means or device are used by the insured

Gains for some, losses for many?

A market where prices are not likely to go up for a while provides opportunity to build up positions

Choose a discount brokerage if you don't need advice

They work out better for intra-day and derivatives trades. Those investing to make a portfolio can look at full-service brokers

Themes for 2016

Whether it is equities, debt or gold, experts see a lot of changes on the personal finance front

Tax-free bonds give better returns than tax-saving FDs

The higher the tax bracket, the better the yields for these instruments

Unhappy 2015 for investors

Market experts believe investors won't be dissapointed if they stick around for another 18-24 months

Case study

Taxation: Kuldip Kumar

Primarily caters to affluent, mid-income buyers

Situated on the banks of the Adyar river, this micro-market is becoming a cosmopolitan neighbourhood close to the city's IT and industrial hubs

Section 54: Money-launderer's delight

Section 54 provides a tax-free method to convert unaccounted money into accounted money

Insurance as an estate planning tool

Nomination is critical, as it cannot be disputed. The biggest benefit is the tax advantage

Bargain hunting possible in 2016

Look for safe stocks in a non-cyclical sector to arrive at a reasonable valuation and act

Fancy foreign education? Be doubly sure

The recent deportation cases in the US should convince prospective students to conduct a proper due-diligence

Planning to buy a car now?

If you plan to sell it in three to five years, go for a January-manufactured vehicle as it will fetch better resale value

Don't fret about large-cap performance too much

Most funds have taken a hit due to a bad year. Investors should be selective and look at performance over a decade

Good time to buy property for end use

Investors should wait for six months to see where the market is headed