Page 70 - Financial Investment

Choosing between cashback offers and reward points

It makes sense to go for a cashback card only if you are a big spender, otherwise the benefits are almost equal

Case study

Realty check

Budget: Rs 1.5 crore to Rs 2 crore

Check the tax efficiency of your salary

If your salary structure is heavy on reimbursements, this will increase your net salary and reduce the tax burden

EPF scores over NPS

For retirement solutions, financial advisors prefer sticking to a combination of EPF/PPF and equity mutual funds

Tipping point

Investing: Rishi Nathany

Company responsible for fraud by agent

Account holders cannot be made to suffer for an act of omission by agents

Decontrol sweetener for sugar stocks

In an overall bearish market conditions, the upside in sugar stocks is quite tempting

Limited impact of Glivec decision

Judgment offers continuity rather than changing things for Indian pharma whose PE discounts are anyway high

Don't shun equity for real estate now

Just as you wouldn't sell property when prices fall, wait for sentiments to improve in equities

Court makes life less taxing

Delhi High Court has issued directives to help tax payers with refunds

How to ensure your flat has good resale value

Potential buyers appreciate basic furniture fixtures in the kitchen and living room and are likely to pay a premium for such ready-to-use services

Reverse mortgage doesn't make sense

Relaxing the cap on loan tenure and removing the tax on annuity could make it more popular, say experts

Financial plan for 2013-14

Steps like depositing the entire PPF amount before April 5 or preparing a household budget will ensure this financial year goes well

Case study

Tipping point

Readers' Corner: Rakesh Jain

NCR's emerging affordable housing investment hub

Cobrapost sting: Did bankers promise jumping AML rules?

Strict anti-money-laundering regulations should be implemented, as these act as brakes on illegal trade