Page 627 - Personal Finance

Small saving scheme investors can look at NCDs, NPS Tier II

The government may not significantly cut rates on small savings schemes but there are other options one can look at

Re-evaluate investment if fund's nature changes

Ask yourself: if you had fresh money to invest, would the new or merged fund be your first choice?

Dial D for disruption

RJio's aggressive plans will lead to significant impact on listed companies in this space

NPS scores on returns

In government bond plans, the NPS has returns of about 11 per cent, whereas long and medium term gilt funds category average is 9.9 per cent

Commercial property gets attractive

While hospitality, educational institutes and offices are gaining traction, warehousing could become a good option after the implementation of GST

SIP your way to wealth with stocks

Identify a few long-term growth stocks and invest small amounts in these each month to create wealth

Govt considering EPFO's voluntary pension scheme proposal

Central Provident Fund Commissioner said that the voluntary scheme was besides the mandatory pension scheme being run by the EPFO

Read this before going for private locker service

They offer convenience for slightly higher rental than banks

Don't let high agent churn hurt you

While the company may send an alert, the onus is on the customer to ensure timely payments

Take action against errant builder

If the builder refuses to pay, take the legal route or seek liquidation

Masala bonds can be good for NRIs' portfolios

If the view is that rupee will depreciate, hedge your exposure by using forward cover

Income fund investors need to tread carefully

After Urjit Patel's appointment as RBI governor-designate, the bond market witnessed a sell-off, as it became evident that there won't be any significant change in stance

Preferred by luxury home buyers

Making money gets difficult

An index P/E of 23 implies that the market is already discounting EPS growth at 20% or more

Online advantage for offline deals

Many websites, apps offer discounts on services, products during lean periods, but read the fine print before choosing

Many choices make NPS complicated

Both debt and equity can be allocated in different proportions depending on your age and risk profile

Case study

Pledging of shares at seven-year high: study

UPI: It's not only about transferring money

The interface allows you to add multiple banks and transfer money, even between payment wallets, for a fraction of existing costs

Life Insurance: Amitabh Chaudhry