Page 751 - Personal Finance

FMCG sector an attractive buy if it falls further

Additional facilities will push up society charges

In a redeveloped building, higher property tax will be an added burden

Stock market gains will help real estate

But given its risky profile, the sector could collapse if the bull run fails to take off

Tax-saving investment can be done within calendar month

Taxpayers need not invest proceeds from sale of property strictly within 180 days from date of sale to get exemption under Section 54EC

Don't get swayed by events

Understand how an event will impact the companies that you are invested in or want to invest in

HDFC Pension to continue as NPS account manager

Fate of private sector NPS fund managers to be decided today

Do not delay filing an insurance claim

If made after three years from the death of the policyholder, insurers can refuse to honour it

Yields on tax-free bonds quite attractive

Buying from secondary market could give decent capital gains if rates fall, but liquidity is an issue

EPFO to allot permanent a/c number by Oct 2014

The universal account number will facilitate subscribers in avoiding filing of PF transfer claims on changing jobs

Have some exposure to foreign funds

Rupee expected to remain stable. Look to nations that offer higher growth

Letting out your apartment as hostel or serviced flat?

Though you will see a good jump in rent, you have to incur a high cost for providing various facilities and ensuring good maintenance

Readers' Corner: Bhargav Dasgupta

I own a family floater plan (sum assured Rs 5 lakh) from a private general insurer

Connectivity with commercial, residential hubs a boon

Jagatpura has been witnessing frenetic real estate activity over the past two to three years, with a host of hotel projects and residential projects under development

Zero prepayment fee not enough to ensure fair deal for borrowers

This is a welcome step, since Indian borrowers have been charged high interest rates through a unique form of floating rates by all lenders

Getting big returns from small stocks

These are currently rising faster than their large-cap counterparts. Yet, tread carefully and invest only in sound companies

DG portfolio is low-risk, focuses on stable biz

Through the long term, total returns from such portfolios seem to beat inflation handsomely

Loan pricing guidelines to benefit retail borrowers

RBI's suggestions include rates based on customers' risk profile, transparency in how interest is fixed and differential rates for borrowers wanting to prepay

EPFO to allot permanent A/c No to active subscribers by Oct 15

Under core banking services, a customer can avail the bank services in any of its branch through his allotted unique account number

EPFO to provide all benefits through e-mode by September

Retirement fund body has decided to make 100% e-payment of benefits by August 31, 2014

How stock-based incentive plans work

Keep in mind the vesting, exercise and lock-in periods. Also remember that such plans are taxed in two stages