Page 442 - Personal Finance

Enter term insurance early, lock in the premium as delay means higher cost

The average term premium increases exponentially with age

Worried about valuations? Go for a balanced advantage fund, say experts

Investors who run an asset-allocated portfolio with periodic rebalancing can manage without them

Don't exit the market over fears of a correction in high equity valuations

Use the SIP route to average out costs, stick to your pre-decided asset allocation, or invest in an asset allocation fund to deal with the current highs in the market

Insured's dilemma: Should you flout safety norms to get the claim?

A false declaration by the insured could compromise the safety of the buyers to whom the vehicles are sold

Sample report on Jan 08, 2021

Test

Govt to offer discount for using digital mode under gold bond scheme

The government will give a discount of Rs 50 per gram under its gold bond scheme to investors who apply online and the payment is made through digital mode

Explained: How RBI's positive pay system safeguards cheque transactions

While it will make payments via cheques safer, it will also make the process a tad cumbersome, especially for people who issue high-value cheques frequently but are not tech savvy

How prepaid cards ensure that you don't go overboard on your expenses

They're also safer than credit and debit cards, and online transactions; just make sure you don't overload your prepaid card with too much money

Fund pick: Franklin India Prima Fund

Fund pick: Franklin India Prima Fund

A snapshot of home insurance premiums offered by various companies

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

Standard travel policy to ease purchase of product: Who should go for it?

Those travelling to developed countries or needing elaborate coverage should consider existing plans

String of IPOs lined up, study them in detail before investing in any

A bull market carries the risk that offerings could turn pricier, but their fundamentals could deteriorate

I-T refunds worth Rs 1.64 trn issued to 10.4 million taxpayers till Jan 4

The Income Tax department on Wednesday said it has issued refunds worth over Rs 1.64 trillion to over 10.4 million taxpayers so far this fiscal

Don't chase last year's outperformers in debt funds, advise analysts

For 2021, in keeping with the law of mean reversion, analysts have modest return expectations from last year's outperformers

Some tips to limit damage if you've fallen prey to financial data theft

Breaking down the steps you can take if your information is stolen and how you can limit your exposure to fraud

Planning to invest in value funds? Performance hinges on earnings recovery

'Invest with a 7-10-year horizon. Allocate 20-30 per cent of your equity portfolio to them,' says Vishal Dhawan, chief financial planner, PlanAhead Wealth Advisors

Insurance regulator keeps obligatory cession at 5% to GIC Re in FY21

The entire obligatory cession has to be reinsured with India's largest reinsurer, General Insurance Corporation of India (GIC Re)

Irdai maintains 5% obligatory cession to GIC Re in FY21, fixes commission

Obligatory cession is the part of the business, or premium, that general insurers are required to cede on every policy sold to GIC Re

Planning to get a new car? Check out three different ways to acquire one

Subscribing or leasing a car works well if you aren't planning to use the vehicle for too long or don't want to borrow to buy one. But they have their limitations

Beating the winter blues with some warm, snug and trendy woollens

Now that WFH is the new normal, comfort takes the bench seat over style. However, comfy doesn't automatically mean frumpy