Page 574 - Personal Finance

Money chasing few stocks

Change in retail sentiment prior to elections could end bubble

GST: Can a challan generated online be modified by a registered taxpayer?

If a taxpayer has incorrectly generated a challan, he has an option to generate a new one for payment of taxes

Finding solutions to digital payment problems

In case of incorrect transactions, banks and mobile wallets give some assistance. Things get tougher when there is a payment failure

Ring fence your family's assets with a trust

This vehicle ensures fewer family disputes and smooth distribution of wealth

Existing investors may hold on to dynamic bond funds

New investors should opt largely for accrual-oriented funds which don't bet on interest rate movements

Enter equities early to gain from compounding

College students should start with small bets to overcome fear of market volatility

Realty check: Budget: Rs 50 lakh - Rs 1 crore

Business Standard brings you a snapshot of average current rates and unit sizes in localities that offer property

Tipping Point: Will interest rate by EPFO rise or fall for this year?

One, returns from the bonds that Employees' Provident Fund Organisation (EPFO) has invested in have come down

Policy wordings are sacrosanct

It is, therefore, necessary to carefully read the policy and understand the scope of coverage and benefits available

Readers' Corner: Banking

If a new fee/charge is introduced on the card then the bank is required to communicate the same to cardholders with a 30 days notice

Avail discounts on purchases at banks' portals

Customers can earn cashback as well as reward points on purchases through banks' platforms

SIP most favoured among retail MF investors, garners Rs 5,600 cr in Oct

In comparison, an amount of Rs 23,584 crore was collected through the investment plan in April-October 2016-17

Cap on dealer commissions unlikely to lead to change in premiums

General insurers, however, look to move towards risk-based pricing

Few takers for pension and life cover schemes by govt

The government has now given banks specific targets for enrolment under the Atal Pension Yojana

Did you know? Home insurance also covers valuables inside bank locker

It's a good option as banks don't compensate customers for loss of goods in locker in cases of theft or natural calamity

Bet on stocks of tier-1 real estate developers

They are expected to gain market share due to government's affordable housing push and RERA

Evaluate zero-cost medical loan before borrowing

Instead of charging an interest rate, the lender may deduct one or two equated monthly instalments before disbursing the money

What is time limit under GST for bringing back goods sent to a job worker?

Under the GST regime, goods sent to a job worker should be treated as a supply, as supply includes all forms of supply such as sale, transfer, etc

Small rise in consumption will lead to a sharp increase in earnings

Big companies have done better than small and medium-sized ones and a few sectors have done well

Take a low-cost loan to pay off credit card dues

If banks won't lend, seek a loan from fintech lenders or P2P platforms to help you get out of a debt trap