Page 773 - Personal Finance

Primer: What are dividend yield stocks?

If you choose the stock carefully, dividends can provide safe and regular source of income

Options to keep your health insurance premiums low

Is the cost of medical cover too high? Opt for co-payments or deductible plans. Here's more on when they work the best

Where value lies in this market

Value investing is back in vogue, as most large-caps are trading at lofty valuations. However, keep an eye on traps

Tipping point

Case study

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