Page 700 - Personal Finance

Use the lumpsum route in debt funds

While SIP can also be used to take advantage of the falling interest rate regime, tax issues make it unattractive

JPMorgan AMC may sell India biz

Three foreign fund houses have exited the Indian mutual fund business in the past 18 months

Restrict exposure to sectoral ETFs

Investors can allocate higher share to broader benchmark ETFs that are cheaper than diversified funds

IRDAI proposes 14-108% rise in motor third party premiums

Private cars may see 29-108 per cent hike in TP premiums, two-wheelers could see 14-32% hike

Saddled with unsolicited loans, cards?

In case of dispute, don't suspend payments to banks because it will reflect badly on your credit history

Insurance policy will pay for cases against officials

But not if fraud is proved, in which case any compensation awarded will also not be covered

EPFO declares average interest of 8.67% in 3 years to FY15

In the current financial year up to December 2014, EPFO invested a total of 3.59 lakh crore in various schemes

Case study

Realty check

Mutual Fund: Nimesh Shah

Will financial redress agency help consumers?

40 years ago...And now: Can't retire with a crore any more

Inflation and asset prices have eroded the value of money. A look at what Rs 1 cr meant 40 years ago and what it means now

Give preference to debt funds

Rebalancing would imply booking some profits in equity. Or, one could consider balanced funds

Guide to mobile trading

Even those with a 2G connection can use the platform

Is your broker misleading you?

NSEL is not the only one to be blamed for the Rs 5,600-crore payments scam. Brokers did no favours to their clients, whose gullibility or carelessness was also at fault

Lessons from market volatility

Diversification and asset allocation can reduce uncertainty and improve portfolio outcomes

A SARAL way to invest in stock markets

With Sebi allowing a combined demat and trading account and simplified address proof, retail investors will find the process more convenient

IBA, insurers to meet soon on new insurance, pension schemes

Issues on agenda include premium collection mechanism, issuance of certificates, transfer of data to insurance firms

Spouse, father decide on health insurance for most women: ICICI Lombard survey

Only 39% women hold a health insurance policy, 48% say they don't have one, while 12% are not sure

Get locked into FDs

With banks likely to cut rates, investing in a product that offers 8-9% annually will be beneficial