Page 35 - Financial Investment

Index rejig and your stocks

When a stock enters a benchmark index, buy fast or wait for the frenzied buying to pass. But when it exits, the decision has to be more nuanced

For a truly peaceful retired life

Developers are coming up with societies specifically designed for senior citizens. One can live there after turning 55

Readers' Corner: Life Insurance

In certain cases, insurers need to pay only depreciated value

The Income Tax Act provides for 15 per cent depreciation for plant, machinery and motor vehicles

Fair value still some time away

Experts have divergent views on where the market is headed; overall, it looks like the process of paring high expectations will continue

Reposition FMPs in your portfolio

While it no longer offers the same short-term advantage, it is still a good product for the medium term

An improved traditional plan

Bharti AXA's Invest Once is a single-premium product targeted towards the youth

Review your health cover every 3 years, at least

As a recent report shows, health care costs are rising exponentially and most people are under-insured

When you should look at international funds

Experts say investors must consider these for geographical diversification, hedging currency or for exposure to stocks not available in India

Case study

Realty check

Tax-saving strategies for latecomers

Government has enhanced limits for various deductions and introduced new instruments. Know these to reduce tax liability

Get ready for debt funds

With four rate cuts this year and more to come, moving your money from short-term to long-term debt funds could be fruitful

Readers' Corner: Taxation

Kuldip Kumar, partner and leader, personal tax, PwC India, answers your questions

Billionaires, too, overspend on their credit cards

Keep your cool in tough times

Markets tend to misjudge situations and that creates an opportunity for traders or investors

Improve your credit score before applying for a home loan

If it doesn't meet a bank's cut-off limit, you could be denied a loan. Here are ways to improve this vital number

Case study

Strategy indices: Only for seasoned investors

Experienced retail investors can use smart exchange-traded funds, based on these

Mathikere, Bengaluru: Infrastructure problems exist but connectivity is good