Page 769 - Personal Finance

Reducing cover a good option for senior citizens

It is a good option for those who have met their financial goals but the premiums are too high

The shine is off FMPs

Go for short-term bond funds as opposed to similar tenure FMPs, but longer term advantage of the latter remains

Life insurance products to become more transparent from tomorrow

While product returns would be easier to understand, pending approvals may mean lesser insurance plans to choose from in the initial few days

Smart shopping made easy

RBI's latest guidelines are in tune with its reservations on teaser products

General Insurance: Bhargav Dasgupta

Bhargav Dasgupta, MD & CEO, ICICI Lombard General Insurance answers your queries

Srajkund: Prices rising but limited jobs

Property prices in this location have seen an uptrend and this has evinced increasing interest from investors

Value of vehicle in the policy cannot be disputed by insurer

Women get upper hand in property disputes

A resolution depends on the the kind of property held jointly and the ownership pattern

Safe capital and negative returns

In India, low-risk debt has offered consistently negative returns when inflation is high

Don't be miserly with your life cover

Though expenses are difficult to predict, you must consider some factors while calculating your insurance

Budget planners take over to trim big, fat Indian weddings

Buy stocks if prices drop by 25-30 per cent

Equity prices could see a big fall even if there is a marginal tightening in global liquidity

Ensure your TDS gets credited

Since TDS details are available online, I-T department must compute the income and give credit instantly

Minimum guaranteed returns under NPS may not be good

It may lead to low returns even in good market conditions

Real wages in India expected to quadruple by 2030

On the other hand, wages in the UK and US are projected to rise by a third by 2030

Aadhaar's role is diminishing

If you have any of the many proofs of identification - PAN, driving licence, voter card - it is good enough for now

Primer: What is affordable housing?

Post 2008, economy reversed its direction and real estate prices declined, but scepticism about income sustainability also grew leading to cautious approach towards house purchases

Primer: Investing in diamonds

The complexities of Diamond need an expert judgment and similar to the purity in case of Gold

Vishing: Beware of financial fraud

Sensitive data collected through vishing attacks is used to commit identity theft and financial frauds

Rise in allocation to G-Secs prove a setback to debt fund managers

In August, 11.54% of debt assets were deployed in G-Secs against 9.01% in July