Page 753 - Personal Finance

General Insurance: Rakesh Jain

Use add-on covers to hedge your medical costs

Choose one based on your age, nature of job and likely future expenses; these could prove useful

Interest rates likely to stay high in foreseeable future

RBI's rate rise could mean a long-term downtrend for financial stocks & pressure on rate-sensitives

How to make a will that is tamper-proof

Here are ways to ensure your children and other legal heirs don't tear at each other when you're gone but your wealth hasn't

EPFO to consider raising retirement age to 60 years at Feb 5 meet

At present, under EPS-95, subscribers of Employees' Provident Fund Organisation cease to be a member of pension scheme

Irda issues new micro insurance draft norms

Partial withdrawal allowed under micro-variable life products; kirana stores can sell policies in rural areas

Choose pharma stocks with care

While valuations have risen, share prices have been hit by quality concerns and restrictions by international agencies

How to improve rental yields

Even a smaller property at a good location and proper maintainence helps

A portfolio to beat the impact of QE tapering

With risk-on positions being questioned, make a gradual transition to safety

How changes in ULIP impacts your finances?

IRDA has introduced a cap on charges such as surrender charges. Maximum surrender charges cannot exceed Rs 6,000 in the first year from now on

Tax implications of life insurance policies

Let us now check how these policies are taxed when surrendered before maturity and when kept till maturity

Promoters' investments boost MF assets?

Disclosures about promoters' investments & monthly data on the number of investors in a scheme will help investors

Move money partially to European funds

Europe is coming out of the woods & is expected to give good returns, but prospects from US look equally good

Existing eight managing non-govt money to reapply

The final date for technical bids is February 14; it is February 28 for commercial bids; these are separate applications

NPS proposes to relax no-withdrawal rule

Up to 25% of contribution can be taken out, for specified purposes and with time limits

Deposit rates unlikely to rise

Lending rates in certain segments may be increased; fixed depositors may lock into existing rates

Irda asks insurers to warn customers about fraud

Regulator has asked all insurers to highlight warning messages in their product advertisements on the same

Will gold rebound from here?

With prices slipping 25% in the international market, it is time to reduce your exposure

'Why are you pulling out so much money?'

Banks can't seek reasons for large cash withdrawals, as they are merely custodians. At best, smaller lenders can request prior notice

Reliance Life launches Super Money-Back Plan

Plan offers guaranteed money back benefits to policyholders every five years throughout policy period