Page 747 - Personal Finance

Case study

Realty check

Budget: Rs 2 crore to Rs 4 crore

Remember to read exclusions in critical illness covers

While such riders claim to give the entire amount, the definitions of illness are very stringent

Five funds that rode out Lehman storm

Some of these underperformed in the short term, but excelled over five years

Debt Counseling: Mohan Jayaraman

Proper record maintenance helps quantify compensation

A surgeon is expected to keep a count of the number of surgical sponges used by him and ensure all of these are removed

Opportunities for long-term investors in natural gas

Low domestic production in the past three financial years has forced a change of perspective in the industry and among consumers

Be cautious while buying pre-launch properties

Prices can be 25-30% lower than market rates but there is a risk of the project getting delayed or, in extreme cases, even cancelled

E-filing of I-T returns: Taxpayers to get digital signatures

A taxpayer who files an e-return has to mandatorily send a copy of the same by post to the I-T department's Central Processing Centre in Bengaluru

Stop chasing physical assets

This might be the time to switch from gold and real estate to financial assets

Ukraine crisis could hit Indian equities

If oil and gas prices rise, short PSUs and go long on crude oil in the commodity futures market

Is your I-T return being reassessed?

The income-tax officer can ask for details despite giving you a clean chit in the initial assessment

Are you investing for dividends?

There is some tax advantage on these being paid by ELSS. Otherwise, you simply get back part of the investment

Edelweiss Tokio Life Insurance launches new traditional plan

The plan guarantees all the benefits right at the beginning of the policy

Public sector ETF a good option

Retail investors should note it comprises profitable stocks, reasonably valued

When you should backdate policies

Comes at a cost but can be used to adjust premium payment term with fund flow

People need to re-think lifestyle: Noel Maye

Interview with Global CEO, FPSB

Will NPS go the EPF way?

An election-proof portfolio

With equity valuations attractive and interest rates high, investors need not worry, as they can counter volatility

Real estate NCDs: Good returns but with high risks

Investors must be prepared for delayed payments; premature exits could be difficult