How to increase your eligibility and get higher sanctions.

Beat the home loan stress

Business Standard

Splitting your term plan with variable tenures will help.

How to keep pace with falling premiums

I had invested in a portfolio management service (PMS) offered by a brokerage company. Recently, I got a letter from the company informing about changes in the fee structure, based on the &lsquo;high watermarking&rsquo; principle.

Investing: Paras Adenwala

Opt for outright sale as ready cash is a better option than dealing with redevelopment, which has many uncertainties.

Swapping your old home for new

In the second quarterly review of the credit policy, the Reserve Bank of India (RBI) revised the risk weight for residential housing loans of Rs 75 lakh and above upwards at 125 per cent, compared with 100 per cent earlier.

Banking: Prashant Joshi

Returns on NAV-guaranteed plans are higher than debt products.

Guaranteed returns only for conservative

It is always heartening to look back at the path travelled. For many of us in the 40-plus bracket, life began in the mid-eighties as management trainees, with a &lsquo;handsome&rsquo; stipend of Rs 1,200 a month. At that time, those who were ambitious expected to be earning Rs 1 lakh a month on retirement at the age of 60. But it is a completely different scenario now, and the economic liberalisation has paid a rich dividend to this generation.

Capital Account: Uma Shashikant

Section 54EC bonds give positive returns, despite a lock-in and tax on interest income.

Bonding with capital gains

Choose schemes correctly, and with a historical record. The rest is easy...

Seek professional help for investment

Stick to asset allocation, use tax-efficient instruments and invest in line with risk profile.

In pursuit of an ideal portfolio

You can either opt for a sweep-in account or use an overdraft facility.

Make fixed deposits flexible, liquid

Sushil Doshi&rsquo;s interview with the prospective employer had gone off quite well. He was sure the job of an assistant vice-president with a private sector bank was his. The interviewers thought so, too.

Recruiters look up credit history for hiring

This is an all-weather fund and the best-performing, with an annualised return of 22 per cent over the five-year period ended December 21. The fund has not only impressed during the market rallies but stood apart with its excellent downside protection capabilities. A lot of the performance is reflected from September 2008, five months after the new fund management team headed by Anand Shah joined.

New winners on the block

I have been investing in equity mutual funds for the past 10 years. I am 52 now.

Gold ETFs and tax incidence

Sebi ensured a level-playing field between small and institutional investors.

Focus on higher retail investors' participation

It&rsquo;s that time of the year when both investors and the media pop the same question to market experts: &ldquo;Where do you see the market headed next year?&rdquo; I am amused to hear the question. Hence, my candid answer has always been, &ldquo;Your guess is as good as mine&rdquo;.

Market-speak: Parag Parikh

Introduction of base rate and daily interest on account balance are among the moves that will help you.

Long-term measures for depositors, borrowers

Home loan borrowers will have to pay higher equated monthly instalments (EMIs) in 2011. Most leading banks and housing finance companies (HFCs), including ICICI, Housing Development Finance Corporation, Bank of Baroda and Punjab National Bank, have increased their base rates by 20-50 basis points in December. These new rates will come into effect from January.

Look forward to higher EMIs in 2011

Whether it was scams or the threat of recession, the market survived everything with aplomb.

10 lessons from stock market

State Bank of India will extend its teaser home loan scheme beyond December 31 despite the Reserve Bank of India&rsquo;s concerns over risks of luring those who may lack capacity to repay such loans.

SBI to extend teaser home loan scheme

The fraud case involving a Citibank employee should be an eye-opener for HNIs.

Paying a price for privileges

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 860 - Personal Finance