Page 670 - Personal Finance

Equity income funds good for conservatives

Since debt component and arbitrage portions contain equity risk, first-time or retired investors can feel safe

Policyholders' get more chance for disputing claim amounts

Even if discharge voucher has been signed, insurance company must allow further complaints, if any, on the claim, says Irdai

Seeking value by investing in NSE's NV20 index?

Aggressive investors could use the ETF or direct investment route, as it concentrates on IT and bank stocks

Missed out on tax-free bonds? Try perpetual bonds

Yield differential of perpetual bonds vis a vis 10-year benchmark govt securities are at high levels of 250-300 basis points

Case study

Realty check

budget: Rs 30 - 50 lakh

Hotel memberships only useful for some

It works for corporate and frequent travellers but leisure travellers might not benefit much

Unless unique, avoid IPOs

If there are comparable companies, look at relative valuations before deciding

Earn more in the golden years

Depending on your liquidity requirement, invest in the right debt instruments

General Insurance: Rakesh Jain

Insurer held liable for misleading advertisements

Seeking investment opportunities?

Great investors have the judgement to pick winners in new scenarios

FinMin to look into hiking equity investment proposal: PFRDA

PFRDA has sought FinMin's nod to raise limit of govt employees' pension funds in stocks up to 50% from 15% currently

Swimming against the tide

Look for firms that are being ignored currently but have the potential to be multibaggers

Banks sweeten deal for existing customers

New borrowers to pay higher interest than existing ones, as spread for new home loans has been increased

Home buyers can now get more loan for property up to Rs 30 lakh

Earlier, the facility was available only in cases where the cost was up to Rs 20 lakh

Era of tax avoidance to minimise liability over, warns CBDT

Says brands will suffer if a company gets a stigma of being a tax avoider

Excess provident fund money has to be returned

Otherwise, EPFO can freeze your account. But seek detailed calculation to verify the numbers

DHFL trims lending rate to 9.55% for new borrowers

Company said a bulk of its lending is to the low and middle income segment in smaller cities

Got excess money from EPFO?

If so, you have to return it. But keep proof of all documentation and ask for calculation details to verify facts