Page 767 - Personal Finance
Save money for jewellery by investing in gold ETFs
Regular investment in gold-linked financial instruments will safeguard against price fluctuation and do away with storage cost
 "Save money for jewellery by investing in gold ETFs")
Know the tax benefits of house rent
Rent paid to one's wife is eligible for exemption if property, home loan are in her name
 "Know the tax benefits of house rent")
Be alert while processing claims of closed firms:EPFO to staff
Fictitious claims are mainly inoperative accounts and from the organisations where the contribution were not made for many years
India's top 10 MFs capture more market share
Smaller fund houses lose big money
 "India's top 10 MFs capture more market share")
High discounts on insurance may impact general insurers' books
Property premiums being offered at almost 80% discounts
 "High discounts on insurance may impact general insurers' books")
Get valid agreement before sharing rented apartment
If found with invalid one, the landlord will be in trouble and the tenant could face eviction
 "Get valid agreement before sharing rented apartment")
Get a valid agreement before sharing the apartment
If found with an invalid agreement, the police can evict the person renting the apartment
Time your shift to direct plans well
The returns are higher by 30-50 bps. But it makes little sense to shift if you have not stayed invested for a year
 "Time your shift to direct plans well")
Job uncertainty makes people shy away from loans in India
According to the banking data, loans against fixed deposits have declined by 1.6%
 "Job uncertainty makes people shy away from loans in India")
Avoid common mistakes when looking at exotic investments
HNIs chasing higher returns usually turn a blind eye to the nuances of products and when and how these can pay off. Here's what you should not do when evaluating new investments
 "Avoid common mistakes when looking at exotic investments")
Reits: An alternative route
These products are suitable for investors with medium risk appetite, seeking to invest in real estate
 "Reits: An alternative route")
Equity MFs: Retail investors jump ship on the high seas
Segment lost over half a million accounts in September once Sensex reached 20k; investors fed up with meagre returns
 "Equity MFs: Retail investors jump ship on the high seas")
RIL: Equity fund managers cut allocation
RIL recently became India's first private company to clock sales of over Rs 100,000 cr in its quarterly turnover
 "RIL: Equity fund managers cut allocation")
Rejig debt to avoid defaults
Banks give interest holiday, tenure extension or moratorium if they feel the borrower is genuine
 "Rejig debt to avoid defaults")
Birla Sun Life Insurance launches traditional participating plan
BSLI Savings Plan is savings-cum-insurance plan that aims to provide secured growth to customer's savings
 "Birla Sun Life Insurance launches traditional participating plan")
Cashless insurance can get you cheaper hospital rates
However, all network hospitals might not offer this and you have to pay more if you exceed the cap on room rent
 "Case study")
Taking the illiquid route to achieve financial goals
Don't stay put till the end of the horizon. Start liquidating in tranches at least a year in advance or move to safer instruments
 "Taking the illiquid route to achieve financial goals")