Page 696 - Personal Finance
Auto sector has turned the corner
However, the recovery is patchy, with 7 of the top 12 four-wheeler manufacturers seeing sales decline
Banks, insurers asked to create common module for new schemes
Finance Ministry says participation in these schemes would be possible only through bank accounts and auto debit instruction by subscribers
 "Banks, insurers asked to create common module for new schemes")
How to grow your retirement corpus
Bucketing is effective as investment is aligned with short- and long-term needs, with some portion kept in equities
 "How to grow your retirement corpus")
Now, mobile app for IT returns from MyITreturn
App helps calculate tax payable for current year and also gives a timeline for previous tax returns and refunds
 "Now, mobile app for IT returns from MyITreturn")
New demat a/c openings double in FY15
Around 1.5 million new accounts opened amid robust rally in equities
 "New demat a/c openings double in FY15")
Sticking to an indebted company's stock isn't easy
While the terms of restructuring might aid the company, there is always the risk that the firm won't come out of the mess
 "Sticking to an indebted company's stock isn't easy")
Debt restructuring approval gives an exit opportunity to investors
Share prices of such companies usually rise when CDR cell recasts loans
 "Debt restructuring approval gives an exit opportunity to investors")
No more high returns from low rated NBFCs
Unless NBFCs get investment grade they cannot raise fresh deposits. Existing deposits cannot be renewed if rating falls
 "No more high returns from low rated NBFCs")
Top funds that doubled investors' money in the past year
All of these funds have outperformed the BSE Sensex by a wide margin, as well as small- and mid-cap indices
 "Top funds that doubled investors' money in the past year")
11 common regrets of new home owners
If we poll any given group of unhappy property buyers, a remarkably consistent list of complaints emerges. Here are a few of them
 "11 common regrets of new home owners")
You can time the market with these funds
While the mandate allows them to move to 100% debt, most prefer to hold it to 35% to get equity tax benefits
 "You can time the market with these funds")
Sukanya Samriddhi to earn at 9.2% interest, PPF 8.7% for FY16
Rate for senior citizens savings scheme has been enhanced to 9.3%
 "Sukanya Samriddhi to earn at 9.2% interest, PPF 8.7% for FY16")
Salaries to beat inflation in next 5 years
According to Towers Watson-CII Industry Opinions study top managers to corner the major chunk
 "Salaries to beat inflation in next 5 years")
Should you exit CPSE ETF now?
It offers gains of 44% and zero long-term capital gains tax. You can always buy back at lower levels in future
 "Should you exit CPSE ETF now?")
Should you buy mid-cap and small-cap stocks?
One needs to be cautious despite the uptick seen on Monday as the real test of the rally in this segment will be the upcoming result season, analysts say
 "Should you buy mid-cap and small-cap stocks?")
 "Case study")
Resist the siren call of SME stocks
Low liquidity and lack of publicly available information make this segment a risky bet for even wealthy investors
 "Resist the siren call of SME stocks")
Don't overdo debt
While the Budget gives more opportunity to invest in instruments here, don't go overboard. Maintain a balance between debt and equity, depending on your age group
 "Don't overdo debt")
Mix of residential, commercial development gives an edge
Hot Spot: Hennur Road, Bengaluru