Page 580 - Personal Finance

Invest 5-10% in a banking sector fund

Ensure that mutual fund's portfolio includes all three players -private sector banks, public sector banks and NBFCs

Is GST paid on vehicles for office purpose eligible for input tax credit?

If the motor vehicle is used by you for any of the aforesaid purposes, you should be eligible to claim the input tax credit, otherwise not

Focus on bank functioning

Reforms might be difficult due to elections and hostile bank unions

More transparency in peer-to-peer lending

The validation of the P2P model by the government and the RBI will play a significant role in boosting confidence among lenders and borrowers

Pension regulator PFRDA increases incentives for POPs to promote NPS

Also, a new incentive towards increasing persistency has been introduced

Insurance IPOs: Fear of the unknown keeps investors at bay

Analysts believe those looking for listing or short-term gains will not benefit

Hotspot: The best of Mumbai at one location

Worli's favourable location, sea-facing ethos and seamless connectivity to the major commercial establishments are true winners

Readers' Corner: General Insurance

K G Krishnamoorthy Rao, MD and CEO, Future Generali India Insurance, answers your questions

Tipping Point: Can you compare valuation of a stock with that of a bond?

Yes, earnings yield allows you to do so. P/E ratio is calculated by dividing a stock's price with its past or future earnings

Gains from virtual currencies are taxable

Based on the holding period, you have to pay short-term or long-term capital gains tax

All cases aren't time barred

When neither delivery is given nor money refunded to the consumer of a disputed product, limitation will not apply

Retirement homes: Attractive option for the elderly

It is a good option to live an independent and activity-filled life, but don't buy it as an investment

Insurance firms continue to disappoint: GIC Re ends 1.5% lower on debut

Poor performance was due to a dilemma regarding the valuation of these companies, market participants say

Only self-vigilance can protect you from identity theft

Don't be careless with crucial documents and check your credit report regularly for fraudulent use of your identity

6 things you must know about ELSS

Business Standard explains the concept of equity-linked saving schemes and how you can benefit from investing in these instruments

Consumer forums aren't for everyone

Goods and services provided without any consideration are out of ambit of Consumer Protection Act; investors, too, cannot approach a forum

Moving money from fixed deposits to riskier plans will increase volatility

Most financial planners believe that destabilising your portfolio, just for the sake of a quick buck, will not bring excessive incremental returns

EPFO to consider crediting ETF units to PF accounts

The official said that the CAG had agreed to the proposal in principal but sought few clarifications

Tools to make your car smart and save some money

Start-ups are offering OBD-II smart devices that can help you be a better driver, track the vehicle and give real-time car health information

GST: What is the procedure to be followed in case of a sale return?

At the time of undertaking a sale transaction, the supplier must issue a tax invoice charging applicable GST