Page 49 - Financial Investment

Case study

Resist the siren call of SME stocks

Low liquidity and lack of publicly available information make this segment a risky bet for even wealthy investors

Don't overdo debt

While the Budget gives more opportunity to invest in instruments here, don't go overboard. Maintain a balance between debt and equity, depending on your age group

Life Insurance: Amitabh Chaudhry

Mix of residential, commercial development gives an edge

Hot Spot: Hennur Road, Bengaluru

High time for India to have a fair credit reporting law

Legally bind your property transaction

A legal agreement of sale prevents buyer and seller from going back on their word

Pragmatic rules of investment

Develop a special familiarity with an investment play you are comfortable with

Managing your ailing parents' portfolio

Start by creating a power of attorney and prepare a proper will to ensure a smooth financial transition

Reclaim your inoperative EPFO a/c money

Claim the money before it is shifted to the senior citizen fund. The process takes almost a month

Case study

Realty check

budget: Rs 2.5-Rs 3 crore

How EPFO proposals will impact you

Though the deduction will be higher and net take-home pay will fall, you can get a significant tax benefit

General Insurance: Rakesh Jain

Waiting too long for grievance redress can be counter-productive

40 years ago...And now: Stock markets still suffer trust deficit

Sensex has moved from 100 to almost 30,000, but uncertainty lingers in the minds of retail investors due to scams

A roller-coaster ride for investors

While a speedy e-auction has raised valuations of coal allottees, the long timelines will sink in later

The cost of filing belated tax returns

Returns for income earned till FY12-13 can be filed till March 31. But you might have to cough up a penalty and pay interest on the tax liability

Have you closed the loan completely?

Remember to take important documents like no dues certificate, statement of account and others from different lenders

Is online transaction truly online?

The initial process to commence a financial transaction still requires paperwork and documentation. This will not change until a central repository and common demat accounts are in place