Page 764 - Personal Finance

General Insurance: Bhargav Dasgupta

Affordable housing destination

Courts should revise penalty upwards, compound it

Swap reversal: OMC investors need to watch

Apart from making a quick buck by going long on the dollar, traders might short oil PSUs; if rupee weakens, there could be other implications

Mission: Get retail investors

Sebi has individual investors' interest in focus, even if the steps taken so far have not yielded the expected results. Will convertible debentures succeed?

EPFO to pay at least 8.5% interest on PF deposits this fiscal

EPFO had provided 8.5% interest rate for 2012-13, up from 8.25% in 2011-12

The truth behind the numbers

Financial numbers can sometimes paint a rosy picture because of changes in the accounting policy or a one-time income

Banks may face additional challenges

Over the short to medium term, valuations are more likely to move down than up

Keep records of transactions or face penalty

If a taxpayer fails to explain the sources of payments, the tax department could levy a penalty

Short-term fixed deposits shine again

Bank deposit rates are rising, making short-term FDs attractive. For tenures of over a year, though, FMPs fare better

No impact on your retirement corpus

With EPFO capping the contributions to your pension scheme, you could look at other pension plans

Should you redeem gold ETFs?

If you don't have any short-term liquidity requirements, don't cash out just yet, say experts

Union Bank of India raises deposit rates

To raise Rs 2,500 crore capital this fiscal

Process claims faster with e-KYC

New and existing policyholders can upgrade their KYC to electronic mode for quicker insurance settlements

Do the homework on real estate funds

Successful investing here involves checking the answers to diverse basic questions, if you want your money in safe and profitable hands

General Insurance: Rakesh Jain

Railways liable to provide timely medical aid

It could be a very volatile week

If market consolidates above 6,000, it could head back into the 6,300-plus zone. If it falls below this mark, it might wipe out all or most of Oct gains

Delay in infra projects can hit property prices in their region

If a house is bought for investment on hopes an upcoming infrastructure project will push prices up, ensure you stay invested for a long period

FMCG will perform in bad times

Net capital gains from the sector over a full cycle may be more than the gains logged by cyclical sectors