Page 713 - Personal Finance

An aggressive retirement planning option

Reliance MF's pension plan with high equity option can be considered by those below 40

Case study

Realty check

Budget: Rs 50 lakh to Rs 1 crore

Stay away from gold for a while

Forecasts suggest subdued price and demand outlook; bank FDs and other assets giving better returns

Taxation: Nimesh Shah

Flat owner without legal title has consumer rights

How to pick the right financial planner

Seven fundamental questions to ask before entrusting your money to an advisor

Power to the consumer

Insurance ordinance gives a thrust to transparency and brings more clarity for policyholders

Market behaviour rarely conforms to consensus for long

2015 should be a happy year for investors. But don't be terribly surprised if it is not

Manage your tax outgo when selling property

If gains are reinvested in another property or in specified bonds, tax can be avoided

Look for value from brokerages

While brokerages are coming out with interesting concepts like zero brokerage on daily losses, investors should look at the fine print

Don't reduce PF contribution

In the absence of social security and adequate unemployment cover, this forced saving provides a huge benefit

EPFO subscribers to get interest rate benefits for delay in settlement of inoperative fund

Move taken after it was found more than 30 days were being taken to settle such claims

Victim of online fraud? Here's what you can do

Stick to existing ELSS schemes

Avoid closed-end tax-saving NFOs, as there are plenty of open-end funds available with a proven record

Case study

Year of real returns

For the first time in five years, real returns for both debt and equity have turned positive - a lesson for investors that they should be prepared for positive surprises

EPFO returns beat inflation for the first time since global crisis

Offers returns higher than term deposits, PPF in the current financial year

EPFO to launch digital life certificates for pensioners

EPFO has already started testing the digital life certificate system in two of its centres - Delhi and Chandigarh

General Insurance: Rakesh Jain