Page 46 - Financial Investment

Boisar: An upcoming residential hub in Mumbai's outskirts

Boisar is currently governed by a gram panchayat, to soon be converted into a nagar palika (a municipality)

How to make gold monetisation scheme work

A lot of issues with the GDS had to do with incentives to a bank for this scheme

You can afford a yacht

Companies offer partial ownership and timeshare, beside other combinations

Address structural issues for infra boost

Govt's focus area is infra, which is underperforming. Incremental approaches haven't paid off so far

Use SIPs to enter long-term bond funds

Investors can hope to get double-digit returns over 12-18 months if interest rates fall 50-100 bps. There are options if this doesn't work out

Fine print in govt-promoted insurance schemes

Personal accident cover is good but life insurance plan isn't cheap and pension plan is rigid on withdrawals

A tax checklist for returning NRIs

Disclose foreign assets, redesignate NRO a/c and open a Resident Foreign Currency a/c to park forex earnings

Arbitrage funds can be a better alternative to FMPs

If an investor remains invested for more than a year, he doesn't have to pay tax. For the short term, an investor can go for dividend option

Retail investors should stay away from F&O

However, problem for savvy individuals, and on liquidity

At Rs 17 a day, protect yourself against acts of God

Some insurers provide structure insurance of up to Rs 2 crore without documentation

Not too late for foreign getaway in summer

Choose a place easy to reach and with visa on arrival. Group tour can help get better deals and cut costs

Case study

An expensive proposition

Charges of mutual fund schemes have risen about 20 per cent in the past year but don't let cost be your sole criterion to select one

An opportunity to buy

The recent markets fall has made equity valuations attractive

Life insurance: Amitabh Chaudhry

Connectivity gives an edge

Use offset loans to reduce interest costs

Is correction in steel, cement in the offing?

If policy action, efficient processes trigger construction activity, both could see turnaround

Leveraging your assets

Asset-backed loans can be handy in meeting emergency needs. Cheaper than personal loans, these can even be taken by people with a poor credit rating

Realty check

Budget: Rs 4-6 crore