Page 477 - Personal Finance

Why IT, pharma funds can be safe bets for investors in a bad market

Investors, however, need to understand their prospects before deciding to raise their exposure to these export-oriented sectors

Invest and emigrate: How Indians can find a new life abroad

Canada has become a favoured destination for Indians after the US tightened immigration rules

Realty check: Current rates, unit sizes in Rs 30 lakh-50 lakh price range

If you are looking at buying real estate, an idea about prevailing rates would come in handy

Tipping point: Will traffic fines have an impact on insurance premiums?

At present, the insurance premium is linked only to the type of vehicle and engine capacity

Pay penalty of Rs 10,000 for late Income-Tax filing after December 31

Timely filing of return is strongly recommended as the tax authorities have the power to initiate prosecution proceedings

Compare price movement of precious metals before investing: Analysts

Gold-silver ratio can give direction whether the latter will rally or not

Loan rates will come down

Over time, banks will be forced to either offer lower tenure fixed deposits or longer tenure floating deposits

Buy pure insurance cover online to save at least 5% on paying commissions

Use offline channels when buying insurance-cum-investment products, as they are more complex and the fine print needs to be understood

Wealth managers unearth value in smaller towns to beat the slowdown blues

Markets like Raipur and Mangaluru, where people are more cash-rich, offer opportunities that bigger cities don't

Planning to buy term insurance? Restrict premium to 5% of annual income

Calculate life cover by taking goals, expenses and spouse's retirement needs into account

Yellow metal adds sheen: Should you invest in sovereign gold bonds or ETFs?

Those with long horizon should use sovereign gold bonds; short- to medium-term horizon may consider gold ETFs

Planning to take gold loan? Limit tenure to one year to avoid defaults

Gold loan is the quickest and easiest to avail

Bought a new bike? Tips on choosing the right riding gear for your trip

Make sure that the gear you choose not only suits the kind of biking you're into, but also protects you while you experience the thrill of riding

Compare the cost of a BS IV car with that of a BS VI before actually buying

Attractive discounts are available on BS IV variants. BS VI cars, on the other hand, will offer greater solace to the environment-conscious buyer

Long haul for investors

Every indicator suggests the growth recession could continue for several quarters

At 56,000/sft, Mumbai's Tardeo is India's costliest primary market: Anarock

Anarock has compiled a list of the top 10 most expensive residential locations in India in the primary market that consists of new properties launched by builders and excludes resale ones

Retirement planning: Start early and save corpus for a 90-plus lifespan

Equity and debt mutual funds, NPS, EPF and PPF are some of the key instruments you should use to build your retirement corpus

Fund pick: ICICI Pru Savings Fund

Fund pick: ICICI Pru Savings Fund

Experts give thumbs up to linking home loans to external benchmarks

If you are an existing borrower with an HFC or an NBFC, there will be considerable rate difference between your existing rate and what banks will offer on these external benchmark-linked loans

Realty check: Current rates, unit sizes in Rs 2 cr-Rs 2.5 cr price range

If you are looking at buying real estate, an idea about prevailing rates would come in handy