Page 426 - Personal Finance

10 terms you should track and decipher in the Budget 2021-22 document

Experts say the terms mirror the govt's intentions, priorities and policies and provide a hint of financial resources among various sectors

Make jewellers partners in gold deposit scheme

The number of places where gold can be tendered is limited and the staff there is ill-trained, making the scheme a non-starter

Watch out for changes in style, mandate if a new fund manager takes over

Sebi's rule of one fund per category can trigger merger and reclassification of schemes after a takeover

Exploring indexing annuity rates to inflation or G-secs: Irdai Chairman

Annuity products may switch to floating rates from fixed, which generally give lower returns to customers

Retirement homes: A haven for those too old to work, too young to die

They aren't the popularly imagined dwellings for spurned old parents, but offer a holistic lifestyle for those among the elderly who still have a great zeal for life

A snapshot of home loan rates offered by various banks and HFCs

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

Fund pick: HDFC Corporate Bond Fund

Fund pick: HDFC Corporate Bond Fund

Planning to invest? Short-duration funds safer option for retail investors

Rising yields at shorter end of curve will benefit these funds as liquidity level tightens

Things you should keep in mind before investing directly in foreign markets

Why do Indian investors need to invest in foreign equities at all? The costs involved when you invest directly in foreign markets? Tune in to know more

Airtel Safe Pay provides three-layer safety for a fraud-proof future

With Airtel Safe Pay transactions, money gets debited only after subscriber's nod

Saral Pension promises higher liquidity than existing plans: Details here

Surrender, loan options will encourage those wary of illiquid annuities

Don't withdraw from the NPS corpus unless you are facing an emergency

While new online facility will make part withdrawal convenient, subscribers must exercise restraint

Irdai introduces 'Saral Pension', a standard individual annuity product

It is an immediate-anuuity product comes that all life insurers must start offering by April 1

Direct investors in foreign equities should make a cautious start

When investing directly, go with exchange traded funds and curated portfolios initially and graduate to individual stocks once you have found your footing

Store charging for carry bag is unfair

Shops can't forbid customers to bring in their own bags and then charge them for carry bags

Tips on grooming yourself at home as you preen up for a WFH zoom call

The lockdown forced shut the salons, spurring the growth of self-grooming products. And now, people are getting used to DIY grooming, visiting the experts only for specialised services

Flipkart's subscription model is a good offering: Here's how it works

However, offer does not suit users who switch plans often or do not handle their phones well

Fund pick: Franklin India Smaller Companies Fund

Fund pick: Franklin India Smaller Companies Fund

A snapshot of premium rates of term insurance policies with two riders

Here is how the premiums of term insurance policies with riders offered by various insurance companies stack up

Retirement funds can nudge investors to save: Who should opt for them?

The disciplined ones can accumulate for this crucial goal, using equity, debt funds, and NPS