Page 806 - Personal Finance

Realty check

Budget: Rs 1 crore to Rs 1.5 crore

Know your rights before opting for redevelopment

Before you vacate your flat, ensure the appointed lawyer draws up a comprehensive document

Twin benefits: Save and prepay home loan

Products like offset balance home loans can reduce tenure and interest outgo but returns should beat inflation and you would have to pay tax

Retirees need not shun risk

Some exposure in equities is fine, provided the person is not dependent on the corpus

Tipping point

Investing: Rishi Nathany

Readers' Corner

Beware, your CIBIL report is easily available

CIBIL has played a yeoman's role in bringing consumer awareness about maintaining credit discipline

Too soon to bet on inflation rate

But one could look at smaller and rate-sensitive stocks ignored by FIIs and DIIs

How to select stocks for investing

There is no sure-shot formula to succeed in the stock market. Here are some factors that may help you take investment decisions

Before you buy your dream home...

Analyse your financial situation before deciding on amount; compare tenure, interest rate and penalty before finalising the lender

Gold price more likely to soften than harden

If you buy gold at current prices, set a loss limit and sell if there is a further decline

Farmhouse on a budget

Delhi opens the floodgates for farmhouses, causing property prices in South Delhi to crash 25%

Lower your healthcare expenditure

Medicash.in allows users to avail cashbacks and discounts through partnership with healthcare providers.

OBC cuts fixed deposit rates by up to 1%

The fixed deposit rate for maturities ranging from 31-45 days has come down to six per cent from seven per cent

Salaried gets relief for now

The income-tax return form seeks wealth information from professionals; experts feel the salaried should have been included

Gilt funds back on investors' radar; segment sees inflows of Rs 986 crore

Fund managers say investors can still make a double-digit gain from hereon

Choose debt MFs over Ulips

Avoid putting money in debt-focussed unit-linked plans. Buy debt-oriented balanced funds if you are risk-averse

FinMin for changes in prize chits & money circulation Act

Department under finance ministry has proposed to insert a new section 3A in the Act through an amendment Bill

NPS offered double digit returns in FY13

Employees Provident Fund Organisation, on the other hand, offered a return of 8.25% on retirement funds last year

PineBridge plans US equity fund

Will be a conduit, which will look to invest in mutual funds that invest in shares, other related equity securities of business which have assets, products, operations in USA