Page 371 - Personal Finance

Gold to shine amid global recession; soft landing could play spoilsport

But it will lose sheen if the world economy achieves a soft landing

Don't let bank compel you to buy insurance policy with home loan

Instead of taking an agent's word, do your own research on policy benefits and obligations

Sum total of all your EMIs should not exceed 40% of your net income

Make sure buying a house will not lead to compromises on other crucial financial goals

Listen to the expert: Why a professional investment advisor matters

A Sebi-registered investment advisor is qualified to help you manage your finances

Short-duration funds suit conservative investors during pause in rate cycle

Take a tactical bet on longer-duration funds when RBI moves to a tightening stance

Year-end indulgence: how to pick the best cakes for gifting

Bakers' shelves have a variety of choices: pick what matches the mood of your celebrations

Fund pick: UTI Flexi Cap Fund

Fund pick of UTI Flexi Cap Fund

A snapshot of home loan rates offered by various firms with other details

Here is how the home loan rates offered by various companies stack up

Monitor your credit report regularly as improving score takes time

Viewing it often will also help you detect identity theft early

Beware of information paucity and liquidity risk in unlisted shares

Even seasoned investors should bet only 5-10% on such securities

CBDT exempts NR taxpayers from mandatory Form 10F e-filing for now

The form 10F is signed physically by the Non resident taxpayers and furnished along with the tax residency certificate to the resident payers for the purpose of determining withholding tax implication

Don't quit underperformer if fund manager remains true to mandate

Your portfolio shouldn't contain stocks picked at exorbitant valuations or those that have corporate governance issues

File tax return by Dec 31 if you haven't yet, to avoid notice and penalty

Meeting that deadline will allow you to claim refund on excess tax deducted

Buy more insurance cover if your liabilities have increased in the year

Hike health insurance coverage as well to keep pace with medical inflation

Flexi- or multi-cap fund? Go by risk appetite, not by past returns

Multi-cap funds, with their higher exposure to mid- and small-caps, can outperform but with higher volatility

Blanket rule for winter: What you need to be covered for the season

The market has multitude of choices: pick a blanket that will last long and is not cumbersome

Snapshot of term insurance plans with 2 riders offered by various companies

Here is how term insurance plan with two riders offered by various insurance companies stack up

Fund pick: ICICI Pru Medium Term Bond

Fund pick: ICICI Pru Medium Term Bond

Capital gains tax: A capital conundrum

Defenders of preferential tax treatment argue that capital gains tax is a form of "double taxation" as corporate profits are taxed as ordinary income

Maximise reward points by using the right card for your each spend

Beware that on some expenses you could be levied a fee for card usage