Page 570 - Personal Finance

Tipping point: What is turnover ratio?

A turnover ratio of 100% indicates that the fund manager has changed his entire portfolio once in the year

Use advisor for comprehensive planning

Those who have a simple financial objective or only a small sum to invest may go with a mutual fund distributor

Put fresh money in short-term funds

Restrict investment in dynamic or income fund to 20-30% of debt portfolio

New investment norms may raise policyholders' returns

Even premiums could fall if life insurers are allowed to offer indemnity-based health insurance products, as recommended by an Irdai-appointed committee

Behavioural science, anyone?

Understanding how retail investors think or feel is likely to be very important

2018: Investors will be safer in large-caps, say experts

Market outlook: 2018 should be a positive year, as fund flow remains good

Tackle rising mediclaim premiums with lifestyle-based incentives

Buy top-up policies and wear fitness trackers. The latter will entitle you to discounts at the time of renewal

Ignore bitcoin mania: Five personal finance lessons from 2017

Rebalance your investment portfolio, diversify beyond fixed deposits, and don't fall prey to the bitcoin mania

Get capital gains benefit in case of project delay

Only the amount invested during the stipulated time mentioned in the law will be eligible

Rein in your exuberance as you step into 2018

Mid- and small-caps, balanced funds and IPOs were winning themes of 2017. Be watchful about all three in the coming year

Tipping Point: What is a paid-up insurance policy?

Many convert Ulips as well if they are underperforming

Hotspot: Infra projects driving up prices at Wardha Road, Nagpur

Situated on NH-7, Wardha road is one of the fast-developing peripheral locations close to important hubs like MIHAN and Laxmi Nagar

Readers' Corner: Financial Planning

A Q&A on financial planning

Perpetual SIPs best for investors in their 30s

Those close to retirement should limit their tenure to three-five years

No technical pleas to reject claims

The insurer rejected the claim citing delay in intimation. The Commission rejected this argument

Senior citizens should use top-up plans to beat medical inflation

They should also ask their insurer to enhance the cover if it's below Rs 3 lakh

Bias towards bearishness

Several sharp corrections seem to be on the cards in 2018

What is the mechanism for publishing rate in a hotel according to GST law?

The rate will be determined according to the declared rate for the room

Mutual funds sahi hain, but...

Small-town investors are being mis-sold MFs, based on past returns and without being told about their potential risks

Cover your family adequately before proceeding on a vacation

When travelling to countries like the US and Canada, take extra cover as hospitalisation costs are exorbitant