Page 772 - Personal Finance

NPS and EPS can co-exist, but reforms are a must: Gautam Bharadwaj

Q&A with one of the authors of OASIS report on pension reforms

Labour Ministry to take up case of EPS

Insurance scheme which offers Rs 1.30 lakh insurance on death of worker in fact reporting surpluses

Want to buy a house? Keep it on hold if you are not desperate

You may be offered discounts and freebies but property prices could fall if you wait for a few more months

Case study

Risk-free returns aren't enough

Indian households put bulk of savings in bank deposits and insurance; the returns are minimal. If you're part of this, change

NPS set to become more attractive

The proposals of minimum guarantee and partial withdrawal from tier-I account, if implemented, would draw more subscribers to the product

Tipping point

Debt Counseling: Mohan Jayaraman

A peaceful & green residential area

Hot Spot: Solapur Road, Pune

Insurer must justify claim rejection medically

Insurance firms will not be permitted to assume a reason for an ailment according to own convenience, whims and fancies. If a reason is attributed, the onus would lie on the insurance company to medic

Stop-loss is a strategic device

Setting one forces you to consider the chances of losing money

Manage your risk better

The challenge is to ensure you stay invested long enough to get returns commensurate to risk

Don't panic when markets turn volatile

The recent ups and downs reaffirm the fact that there is no alternative to asset class diversification

Third-party motor segment a burden on insurers

Combined ratios for the motor insurance segment stand at 130-135% for the industry

I-T dept sends 35,000 more letters to non-filers

Also plans to write to those who carried out high-value transactions in 2010-11 and 2011-12

Baroda Pioneer AMC to target SME customers

MD says SMEs as a category of investors in debt markets is a big opportunity that fund houses can tap into

Fund houses to reach out to inactive MF distributors

Reliance MF, LIC Nomura and UTI among fund houses who are looking to touch base with older, inactive investors

Transfer your home loan in easy steps

On the basis of good repayment track record, individuals can also discuss and re - negotiate with their current lender for better interest rates

7 points you must consider while reviewing your financial plan

Take an appointment with your financial planner at start of new financial year and understand whether your financial plan is moving in right direction

Have the right strategy in case of co-borrowing

A co-borrower increases your home loan eligibility and reduces interest cost but banks do not prefer some categories due to legal issues