Page 611 - Personal Finance
Guaranteed return plans see renewed interest
While they offer assured returns, you may miss out on any upside when interest rates rise
 "Guaranteed return plans see renewed interest")
Balanced funds can be complex
Understand the strategy before investing in this currently popular category
 "Balanced funds can be complex")
Readers' Corner: General Insurance
Arijit Basu, managing director and chief executive officer, SBI Life
Hotspot: Kharadi, Pune
Robust demand from IT sector employees
 "Hotspot: Kharadi, Pune")
Harsh Roongta: Get your free credit report today
Credit Information Companies collate data of borrowers from lenders and share consolidated report
 "Harsh Roongta: Get your free credit report today")
Taxman to scrutinise loan deposits under Operation Clean Money
I-T dept may initiate penal action and impose an equivalent penalty
 "Taxman to scrutinise loan deposits under Operation Clean Money")
TDS default: I-T dept issues over 850 prosecution notices
Notices have been sent on charges of delay in remitting TDS funds to the exchequer
 "TDS default: I-T dept issues over 850 prosecution notices")
Demonetisation helped life insurance companies
Lot of money from bank accounts came into insurance products
Your money: How to compare insurers' data
While claims ratio is an important number, look at complaints, other parameters before choosing a policy
 "Your money: How to compare insurers' data")
Employee Benefits: ESOPs can be risky but profitable
Understand growth prospects of the start-up you work for before accepting employee stock options
 "Employee Benefits: ESOPs can be risky but profitable")
Five best financial management apps for millennials
While it is difficult to maintain an expense diary manually, tech savvy millennials can go digital
 "Five best financial management apps for millennials")
Pre-paid cards innovate fast after demonetisation
Variants can be used like a debit and credit card across merchants
 "Pre-paid cards innovate fast after demonetisation")
Not too late to plan your taxes: You can still invest a lump sum in ELSS
Over the long term, the returns would be slightly lower compared to investments made via SIP
 "Not too late to plan your taxes: You can still invest a lump sum in ELSS")
If unsure, stick to top builders: Boxes NRI home buyers need to tick
Rising risks due to stagnant prices, high inventory levels & low rental yields can hurt interest
 "If unsure, stick to top builders: Boxes NRI home buyers need to tick")
Your Money: Maintain 8-12% allocation to gold
The price rally in gold, which started since the beginning of the year, may not sustain
 "Your Money: Maintain 8-12% allocation to gold")
Lump sum investments dry up for MFs
SIPs keep MFs afloat as investors redeem Rs 1.3 lakh crore in one year
 "Lump sum investments dry up for MFs")
Maintain 8-12% allocation to gold
If the US starts a trade war and follow weak dollar policy, later in 2017 gold will rise
 "Maintain 8-12% allocation to gold")
Focus on claim settlement is not enough
Thrust of Irdai's latest draft guidelines is mostly procedural
Pay income tax, apply for PAN using mobile apps on your smartphone
This move will help bring more people under the tax net by making it easier for people to get PAN
 "Pay income tax, apply for PAN using mobile apps on your smartphone")
Consumer forum to the rescue: Beware of builders without sanctions
Collection of money from prospective buyers without obtaining permissions is unfair trade practice
 "Consumer forum to the rescue: Beware of builders without sanctions")