Page 642 - Personal Finance

Dynamic bond funds better than short-term gilts

Short-term funds suit institutional investors who can time entry and exit, based on interest rate cycle

CBDT declares Aug 31 deadline for clearing pending ITRs, refunds

It has said that this the final opportunity being provided to the taxpayers to regularise their pending ITRs

Cut down on credit card expenses

The Reserve Bank of India's latest data indicate that spending per card is rising steadily - something that consumers should worry about

Case study

Realty check

Budget: Rs 1.5-2 crore

Political risk to markets?

It's easy to say investors should focus on fundamentals but this risk can have a significant and lasting impact

Akshay Tritiya: Have your cake and eat it too

Look at gold bonds or gold monetisation scheme instead of buying physical gold

Use rainwater to reduce your water bills

Setting up a system is not very complicated and costs can be Rs 2-3 lakh for a 100-apartment society

Health insurance: Ashish Mehrotra

Get the right cover when travelling abroad

Read the fine print carefully because even a policy with a high sum assured may have sub-limits

Ignorance shouldn't lead to claim rejection

Follow the criteria laid down by insurance companies to ensure that your claim gets honoured

Changing brokers is easy

Act fast if your broker is shutting shop; withdraw funds, open a new trading account and transfer assets

Rules get tighter for claiming HRA, LTA

I-T department has introduced a new format to claim tax rebate

Mutual funds manage to keep 20-yr streak going

If a person invested Rs 1,000 per month as SIP for 20 years, these schemes would have turned the Rs 2.4 lakh into Rs 55 lakh

Index funds right match for risk-averse investors

Actively managed ones give better returns in an emerging economy

Should you invest in index funds like Warren Buffett?

Only if you are a conservative investor satisfied with index returns; but over long term actively managed funds give better returns in Indian markets

Be wary of fake I-T refund emails

Govt steps up security to check criminals seeking bank details of taxpayers

Beware! Email claiming an unprocessed I-T refund could be fake

Cyber criminals are using this trick to get your bank details

SBI cuts MCLR by 5 bps; home loans get cheaper

Interest rates for women borrowers now stands at 9.35%; for other borrowers, it is 9.40%

Two new NPS funds for different risk appetites

The aggressive life cycle fund will allow equity exposure of up to 75%, up from the current limit of 50%