Page 508 - Personal Finance

IT rally may pause after recent run-up, investors need to analyse bottom-up

A bottom-up bet on stocks of companies proactive in digital and other new technology areas could still pay off

New law against illegal deposits is tough, yet investors must remain alert

Avoid schemes that promise very high rates of return, or guaranteed returns for very long periods

Take family's feedback, appoint responsible executor when drafting a Will

But revealing its entire content to successors can prove counterproductive

Need emergency money now? Avoid personal loans with advance EMIs

It reduces the loan amount disbursed, but the borrower pays interest on the higher amount

Smart, easy-to-use home surveillance systems that fit your budget

You can opt for systems that cost a few thousands to over Rs 50,000, in order to keep a tab on your kids or the elderly in the house

India vs Australia 1st T20 Live scorecard

India vs Australia 1st T20 Live scorecard

Want to improve your credit score? Follow these steps to cross 750 mark

Avoid utilising more than 30 per cent of the limit on your card and use a monitoring service to correct errors in your score

Builder not giving occupancy certificate for your house? Here's what to do

You can be evicted from your own house if you haven't obtained the OC; the authority could also impose a stiff penalty and cut off your water and power supplies

Spread your risk by investing in NCDs; go for issues rated AA and above

Unlike bank FDs that are considered risk-free investments, NCDs do carry a certain amount of risk

Fund pick: HDFC Tax Saver

Fund pick: HDFC Tax Saver

First-time investors should tweak their portfolio, reassess stocks

Yes, there will be mistakes. But more often than not, there is enough time to recover if the companies are sound

Realty check: Current rates, unit sizes in Rs 50 lakh-1 crore price range

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

With declining return ratios, should you exit your investment in MNC fund?

Returns of MNC funds too have tanked over the past year

Reader's corner: Financial planning

It is always a challenge to have a regular income as well as growth of funds

Another cyber fraud: Being cautious can prevent you from becoming a victim

If you fall victim to such frauds, the entire loss has to be borne by you

Aesop's fable revisited in banking sector

The apex bank has already prescribed a deadline for the implementation of new benchmark rates from April 1

Non-life insurers' gross premiums underwritten grow 12.65% in Apr-Jan FY19

gross direct premiums underwritten by the non-life insurers in April - January period of FY 19 was to the tune of Rs 1.39 trillion

Only one out of five life insurance holders have term insurance: Survey

Term insurance, despite being the most fundamental and cheapest form of financial protection, still lacks a significant uptake in urban India

Planning to invest in mutual funds? Avoid these common mistakes

In fact, equity mutual fund investors should exploit such opportunities by topping up their existing SIPs with fresh lumpsum investments in a staggered manner

Frequent large cash deposits, withdrawals can lead to tax scrutiny

Tax experts say frequent cash transactions usually raise red flags with the department. It's not uncommon for them to send a notice in such cases, and ask for a detailed explanation