Page 567 - Personal Finance

Tipping Point: What are common behavioural biases and harm in bull market

The result of these biases is that investors don't want to diversify their portfolios across asset classes or even across market caps

Readers' Corner: Financial planning

Kartik Jhaveri, director, Transcend Consulting, answers your questions

Rent receipts are not enough to prove HRA claim: Here're the dos and don'ts

If you are paying rent to a close relative, have a rental agreement and pay them through banking channels

If bank delays credit, the consumer should be compensated for mental agony

On making inquiries, BoI informed Kapur that the investment was linked to high or low rate of inflation, but the exact formula for calculation was not notified

For significant cost advantage, buy your term plans and Ulips online

This will give you a significant cost advantage, much like investments in direct plans of mutual funds

Your choice: Save 1% of income for 30 years or retire just 3-6 months later

Waiting a few months has enormous perks no matter how much you make

Budget 2018: Managers want Arun Jaitley to align tax cycle to calendar year

Jurisdiction-free e-assessments, gradual reduction in personal tax rates in line with changes in corporation tax and enhanced tax breaks for education of kids are among other key demands

Buying a house? Keep an eye on your bank's marginal cost of lending rate

Check if you are on the best possible loan rate and also make part prepayment to counter the rise in interest rate

Expecting a populist Budget 2018? FM's hands could be tied by fiscal constraints

The Finance Minister is in an unenviable position of having to meet multiple expectations ranging from that of corporates or businesses seeking "relief" after GST implementation

Union Budget 2018 to bring income tax cheer? Here's why this EY survey thinks so

About 59% of the respondents were of the view that multiple outdated deductions would be replaced with a standard deduction in order to reduce the tax burden of employees

Mutual funds with feet of clay

The magic of mutual funds lies in their having transparent and liquid assets. However, this edifice stands on top of secondary market trading

Do we need to charge GST on credit notes which are issued on target basis?

GST law prescribes that the turnover of the preceding financial year is required to be considered for computing the turnover for obtaining the registration under composition scheme

Sensex at 35,000: Existing investors should take some profit off the table

Book profits, wait for opportunities and, in general, have fun while the going is good

RERA and consumer forums can provide better relief to home buyers

RERA is still in the initial stage and is facing teething problems

Good news! Subscribers can withdraw up to 25 per cent after 3 years in NPS

Move is in right direction as its give subscriber liquidity and allows them to meet their goals, say analysts

Planning to buy an insurance? Here is some advice on pertinent issues

Answers to insurance-related questions sent to us by our readers

Budget 2018: Why LTCG tenure should be increased, and STCG scrapped

A suggestion for Finance Minister Arun Jaitley before Union Budget 2018-19 would be to increase the definition of period of holding from one year to two years

Tipping Point: What is price-to-cash ratio and where is it useful?

The ratio takes into consideration the stock's operating cash flows, which adds non-cash earnings such as, depreciation and amortisation, to net income

Proximity to IT hubs makes Bengaluru's Banaswadi a residential hotspot

Proximity to IT/ITes parks like Embassy Manyata IT Park has caused investors to look keenly at Banaswadi to cater to the housing requirements of the employees

Investing in small-caps? Direct investors should beware of valuation risks

Direct investors in small-cap stocks should book profits and wait for corrections, while those taking the fund route should invest with at least a 7-10 year horizon