Page 638 - Personal Finance

Case study

Realty check

Dividend policy will help assess companies better

But don't lose out on companies which are ploughing back their profits for growth; have a balanced portfolio

Buying a home abroad not just a dream anymore

The key drivers are end-use, children's education and investment returns

General Insurance: Rakesh Jain

Postpone your property purchase till May 2017

Once the new real estate Act is implemented, developers won't be able to cheat you

Revival is still patchy

Growth will be heavily dependent on consumption in the absence of strong investment

Fight your own consumer case

You can save Rs 35,000-Rs 50,000 in lawyer's fee at a district forum and several lakhs at the National Consumer Disputes Redressal Commission

Game plan to deal with job loss

Reduce frill expenses, monetise your assets and invest in professional development to negotiate the choppy phase

I-T dept launches ATM-based validation facility for e-filing

Last month, the department had launched bank account based validation facility

No fear from changes in ready reckoner rates

Even if the deal gets extended to the next calendar year and circle rates go up, the tax liability will not increase

Life becomes easier for SIP investors

Besides making on-boarding easier, features like swing STP and top-up SIP aim to optimise the benefit

Sebi tightens redemption rule for fund houses

Up to Rs 2 lakh to be allowed in any circumstance; some restriction in exceptional circumstances

Wellness features in health insurance make sense

While they offer additional benefit, the premiums of these plans are competitive

Popular equity schemes fail to beat bank RD returns

Returns by several most-preferred equity mutual fund schemes could not keep pace with what the humble recurring deposit offered investors

Are you adequately insured against critical ailments?

Use World No Tobacco Day to evaluate your financial preparedness vis-a-vis critical illnesses

No TDS for PF withdrawals of up to Rs 50,000 from June 1

The existing threshold limit of PF withdrawal for deduction of tax is Rs 30,000

Avoid rejection despite a low credit score

Options you can try include an NBFC or pledging your assets as collateral to garner a loan

Debt MFs' allocation to government papers hits 13-month low

Since the second half of FY16, fund managers cut exposure to G-Secs by over 350 basis points

Case study