Page 489 - Personal Finance

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

Tipping point: Should you bet on constant duration funds via SIP route?

High-duration Gilt funds gain heavily from declining interest rates

Arbitrage funds to trailing returns: Expert answers investment questions

The performance of a fund varies based on the performance of the underlying asset classes, says Ashwani Bhatia

Bet on dollar-denominated assets, offset the impact of weakening rupee

Investors can take a few steps to counter the impact of a depreciating rupee

Don't fund lifestyle needs with debt; limit your total EMI outgo

Limit the sum total of all your EMIs to 50 per cent of take-home salary

Planning to take auto loan? At 8.45%, SBI offers the lowest rate

However, check with manufacturers' captive lenders for offers during the festive season

A rupee strategy

Having hard-currency assets overseas can be fruitful if the rupee falls

Need cash urgently? Be extra cautious when taking loan against property

Here is how loan against property offered by banks and HFCs stack up

How products fashioned from waste are catching the fancy of consumers today

Not only does embracing discarded products recycled or upcycled into something new bring great value to the buyer, it also protects the planet