Page 660 - Personal Finance

EPFO may pay 9% interest on PF deposits for 2015-16

The retirement fund body can provide 9% rate of interest on PF deposits due to the upward revision in income projection

Seeking value in the market

Buying a stock cheap does not translate into value buying. Be careful before investing

E-KYC made easier using Aadhaar

For equity investors, there will be an additional requirement of a PAN card and a cancelled cheque

Online property sale reduces negotiation process

Usually, online and offline discounts are similar. If discounts are too high, check builder's credentials

Why bonds are the best way to invest in gold

Other than offering returns at par with the price of the yellow metal, one can also use these as collateral

Do your due diligence before buying property online

As real estate players line up plethora of discounts for online realty buyers

MFs may disclose individual agent commission in account statements

The industry also hopes that such a step will help address the issue of trust deficit about commission payouts

Realty check: Budget - Rs 1-1.5 crore

Case study

Dealing with underperforming assets

Barring some adjustments, sit tight and ride out the market downturn, without doing anything rash

Be practical about philanthropy

A trust or Section 8 company works best for families. For a group of like-minded people supporting the same cause, opt for a society structure

Readers' Corner: Life Insurance

Amitabh Chaudhry, managing director & chief executive officer, HDFC Life, answers your questions

Renewal does not mean changing of policy terms

Insurance companies cannot change policy conditions at the time of renewal. Such changes without consent of the insured are illegal

Making the most of cashbacks

In an open wallet, these schemes can be used for different types of purchases or payments. Others might have restrictions on the amount and usage

Is this near-bottom for manufacturing?

By contrarian logic, capital goods, the most beaten down sector, might have the biggest upside

Small-saving rates under stress

Even if they go down, they may continue to offer better returns than fixed deposits

MFs plead 'not guilty' to dividend stripping allegations

Officials says some fund houses are guilty as Rs 6,000 cr was collected in dividend stripping schemes in October-December

Times are bad but keep faith

Investors should build their equity portfolio in times like these and even start a Systematic Investment Plan

Govt may announce new interest rates on small savings schemes soon

Small savings schemes interest rates range from 8.4-9.3%

Banking sector funds feel heat

Stocks hit 52-week lows, with average category return a negative 16% over past year