Page 515 - Personal Finance

Is 10% quota election game-changer? A reality check that might surprise you

The Bill could introduce some criteria, such as beneficiaries not having an annual household income above Rs 8 lakh and not owning more than five acres of agricultural land

Shift 25% large-cap allocation to ETFs and choose consistent performers

Even over the longer term, active fund managers have found it difficult to outperform their benchmarks

New Consumer Protection Bill 2018 is more comprehensive, say lawyers

The new Bill, which the Lok Sabha has passed in December and is now in Rajya Sabha, aims brings significant changes to the existing laws

2019 elections may keep markets nervous, bet on short- and medium-term debt

Investors should consider significant exposure to fixed income securities for capital preservation, which could be debt mutual funds, banks fixed deposits or high-rated corporate debt instruments

Use credit card with discretion: Here're fees, charges and penalties

Among all financial products, it has the highest charges and penalties

Lighten up equity portfolio

Keep cash in hand to ensure that you have the ability to invest heavily if the market does lose steam in April and May

Health insurance customers can hope for a better tomorrow: Here's why

With the IRDAI committee making significant recommendations, customers are likely to benefit

With rents pushing up, that apartment you had your eye on just got pricier

Living in the metros last year became costlier with rents rising up to 18 per cent, twice the rate of inflation

Resolutions you should make in New Year 2019, and those you should break

Here are three financial resolutions to make and three financial resolutions to break this year

Horophiles, ahoy! This is how you test craftsmanship in your luxury watch

Traditionally, Swiss-made watches have been perceived as being of higher value, but brands like Grand Seiko have in the recent past demonstrated the supremacy of Japanese watchmaking technique

Fund pick: UTI Bond

Fund pick: UTI Bond

A snapshot of credit card regular spend charges levied by various banks

Here is how the credit card charges charged by various banks stack up

Smart money: Use supplementary credit cards to avail maximum benefits

It can be used to track spends and improve credit scores

Good news for salaried employees: EPFO likely to hike rate ahead of polls

EPFO has a subscriber base of more than 60 million and manages retirement savings of over Rs 11 trillion

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

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

Tipping Point: Should you shift to longer duration funds?

Investors should be cautious as there isn't a clear outlook on interest rates now.

Choosing the right perfume to gloss up your personality and style quotient

You can choose your perfume based on the type of fragrance, or how long the scent lasts; luxury perfumes are prices upwards of Rs 10,000, so take your time and make a discerning choice

Why using interest from debt investments for SIP is a flawed strategy

When evaluating a financial product, don't just go by distributor's calculations. Do your own math before putting in the money.

Till divorce do us part: How to manage your assets when you split

It isn't just the assets you should be concerned about when you part ways. Even liabilities such as car or home loans, and credit card outstandings must be dealt with

Systematic investment in gold a good option for a likely volatile 2019

The World Gold Council (WGC) feels that factors that drove gold in the second half of 2018 would continue to hold sway over the market in 2019