Page 771 - Personal Finance

Guards at ATMs aren't enough

Experts say RBI's norm on deploying a guard is loosely worded and it is discretionary for banks to have all ATMs manned

Look at systemic risk index of firms before investing

Shares of companies with less systemic risk may perform better in the long run and vice-versa

Get a head-start on your finances

In your thirties you can assume reasonable risk because long-term goals are still some time away

Beaten-down sectors = greater value to patient investors

The markets are priced to optimum; steady earners are priced at premiums. But significant money is unlikely to be made through steady earners

Policyholders throng Insurance Ombudsmen offices

Number of registered complaints at these offices touches 24,782

Pension players need to cope with changing regulations, says LIC MD

According to ASSOCHAM, about 300 million working population in India do not have a pension scheme

Meet the BS Fund Managers of the Year

Debt fund managers from Franklin Templeton MF and equity wealth managers from ICICI Prudential outmatched their peers to win the Business Standard Fund Manager of Year awards

Verify hospital network for cashless insurance scheme

The facility may not be available at the hospital of your choice. The list of hospitals could even change mid-way

Is it time to buy residential property in Mumbai?

Prices are softening in Mumbai, but should you buy or wait for a further downside before taking the plunge?

Should you opt for the new retirement funds?

Between the new schemes and existing pension funds from mutual fund houses, the latter seems like a better option for conservative investors

BSE to launch currency derivatives platform on Friday

Currency derivative contracts allow investors to take position on change in foreign exchange rates between pairs of two currencies

Mutual funds line up RGESS offerings ahead of tax season

Two fund houses-- Birla Sun Life and Sundaram Mutual Fund-- have filed offer documents with Sebi to launch tax saving scheme - RGESS

Time to turn bullish on US-based funds

With uncertainty looming large over Indian markets, retail investors can increase their exposure to US funds

Travelling abroad? Get a comprehensive policy

Though more expensive after rupee depreciation, it still gives reasonable cover against a lot of eventualities

Irda plans to have unique identity number for hospitals

This will help identify charges for different procedures in different hospitals, says TS Vijayan

Case study

Erratic at the short end but much better in the long run

Less than half of the equity mutual funds have beaten benchmarks in the last 12 months, but their performance gets better in the long haul

Realty check

Match investments with tenure of goal

Take the equity route for children's education if the goal is at least 15 years away; investing in debt alone will result in a lower corpus

Lessons from the Campa Cola crisis

An errant builder doesn't lose anything but the property buyer could lose everything. Don't get trapped in an illegal house