Page 604 - Personal Finance
PE less than 16 is attractive
Unless the growth prospects are truly exceptional, avoid paying a higher discount
Book profits in mid and small-cap stocks
Analysts say that many are in the bubble zone and could correct sharply
 "Book profits in mid and small-cap stocks")
Looking for a non-traditional asset? Invest in whisky by the barrel
Scotland, the world's biggest whisky seller, exports more than 1 billion bottles a year
 "Looking for a non-traditional asset? Invest in whisky by the barrel")
How to earn inflation-adjusted income of Rs 3 lakh a month
Considering long-term inflation rate at 6% a year, you will need a corpus of Rs 4.45 crore
 "How to earn inflation-adjusted income of Rs 3 lakh a month")
Buying a home? Does it really help to wait till May 1 for Rera?
First-time buyers stand to gain more, but investors have to be cautious
 "Buying a home? Does it really help to wait till May 1 for Rera?")
Book profits regularly in infra funds
With the sector's fundamentals poised to improve, this could be a good time to enter
 "Book profits regularly in infra funds")
What happens when insurance proposal form conceals material facts?
Non-disclosure of other policies cannot be a ground for repudiation of an insured person's claim
 "What happens when insurance proposal form conceals material facts?")
Hotspot: Aided by strategic location, Mumbai's Ghatkopar has a good infra
Rapid infra development at Ghatkopar has renewed interest among developers to launch projects here
 "Hotspot: Aided by strategic location, Mumbai's Ghatkopar has a good infra")
Akshaya Tritiya next week: Is it a good time to buy gold?
The recent rise in gold prices may not last, say experts
 "Akshaya Tritiya next week: Is it a good time to buy gold?")
Data tracker: What SIPs have fetched over the past decade
Many diversified equity funds have given annualised returns of 14 per cent and above
 "Data tracker: What SIPs have fetched over the past decade")
EPFO's proposed exit policy may increase interest on your retirement saving
Finance Ministry is said to have approved the 8.65% interest rate on EPF
 "EPFO's proposed exit policy may increase interest on your retirement saving")
Booking a room last minute? Get hefty discounts with hotel booking apps
You can get a discount of 25% or more and stay in a hotel room
 "Booking a room last minute? Get hefty discounts with hotel booking apps")
A rally without spine?
The Nifty is trading at a P/E over 23 - well above the discount for 15% EPS growth
 "A rally without spine?")
Putting a price on your spare room
You could give it on rent to a paying guest or run a bed and breakfast scheme
 "Putting a price on your spare room")
Don't surrender your insurance policy at a loss
If your Ulip was bought before 2010, it would make sense to continue
 "Don't surrender your insurance policy at a loss")
PF rate lowered to 8.65%, loyalty benefits added and bonus on retirement
EPF interest rate for FY17 to be lower than that provided for FY16
Travel loans better than using credit cards
Do the cost-benefit analysis before going for it. Personal loans may be cheaper in some cases
 "Travel loans better than using credit cards")
Convert your idiot box into a smart TV with inexpensive streaming devices
You can use easy to set-up devices starting at Rs 2,399
 "Convert your idiot box into a smart TV with inexpensive streaming devices")
No redressal without compensation
Regulators are more concerned about the companies they govern, not consumer redressal
 "No redressal without compensation")
Tipping Point: How is XIRR different from CAGR?
It can be calculated quite easily using the XIRR function in a spreadsheet software