Avoid buying stocks based on cost alone. Highly priced stocks may be expensive but provide better returns.

All that's cheap is not good

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If you can, Invest in property to insulate your investmens from inflation.

Crash course on education planning

While opting for cheaper mode of travel and accommodation does help to lower the budget, offbeat destinations can bring down overall expenses.

Cut costs, not comfort

After an uneventful start, it began to get noticed in 2006, when Srinivas Rao Ravuri assumed charge.

Funds for all seasons

I want to start investing in mutual funds (MFs). I have no understanding of market risk. I don't have a demat account.

Few options for late starters

Use futures and options only as a hedge, and if you have surplus.

Little money, large exposure

As non-banking finance companies (NBFCs) that offer loans against gold are vying for new business, many of them have projected the product to be a better alternative than a personal loan.

When personal loans outshine loans against gold

I own a farmhouse in Lonavala. I have a caretaker who looks after the house. We only have basic furniture and utensils there, and no valuables.

General Insurance: Gaurav Garg

Fixed deposits, fixed maturity plans and monthly income plans are offering high rates. But look at post-tax returns before taking a call.

Good time for risk-averse

Ten years ago, I bought a property. I am paying an equated monthly instalment of Rs 40,000. Our monthly take-home pay is Rs 1.5 lakh. I want to invest in another property worth Rs 80 lakh, and will need a home loan of Rs 65 lakh.

Debt Counselling: Sanjay Agarwal

Bank may raise the fixed rate or offer it only for the first year.

SBI to decide on teaser rates next week

A comparison of unit-linked child plans and mutual funds.

How to save smartly for your child's future

Being pursued by call centre executives of banks and non-banking financial companies (NBFCs) who offer personal loans is common. But these calls mean little. When a customer finally decides to avail of the loan, things can go sour. And often, it is done without any reason given by these executives.

Why applications are rejected

A travel policy is not enough as most domestic ones do not provide health cover.

Get a health cover and have a relaxed holiday

My nephew is getting married this month. But the excitement of beginning a new life has been somewhat overshadowed by his anxiety to manage finances.

Capital Account: Uma Shashikant

Having multiple demat accounts could help you save tax.

Sell shares with FIFO in mind

Satisfactory corporate practices reflect in various ways, including stock prices.

Value of good governance

Pay attention to administrative and mortality fees.

Consider total charges on Ulip

PPF fits all portfolios, except those earning basic pay of over Rs 8.3 lakh yearly.

Options in tax-saving investments

I am 43 and have invested in stocks and mutual funds, (details given). I also have Rs 5 lakh in bank deposits and invest Rs 60,000 a year in Ulips. I have no loans due and live in my own house. My wife also works and invest separately. Our son is 15. I want to know if my portfolio is good or needs to be tweaked? I plan to work till retirement (17 years later).

Review investments regularly

Nomination is important and you should ensure you have nominated a person who will be entrusted with your money in case of your death. Without a nomination, if you die, it will be cumbersome for your legal heirs to take control of your investments. By having a nominee, the amount gets transferred directly to him/her in the event of your death and the process is fairly simple, with nominee having to prove identity. You can change the nominee as many times as you wish, by filling the relevant form and changing the nominee.

Have a nominee for investments

Personal Finance: Read about the smart strategies for Personal Finance Planning, Investing, Insurance, banking, budgeting, loans Tax Planning, retirement and insurance. Browse Business Standard to learn more on Personal Finance.

Personal Finance: Investing, Planning, Retirement, Loans, & Insurance | Business Standard

Read about the smart strategies for Personal Finance Planning, Investing, Insurance, banking, budgeting, loans Tax Planning, retirement and insurance. Browse Business Standard to learn more on Personal Finance.

Page 859 - Personal Finance