Investors should wait for a 10-15 per cent correction in prices before investing in silver.

Don't hope for silver lining yet

Business Standard

A listless market with a downward bias does not leave many options for investors. Have a long-term strategy.

Caught between bulls and bears

Flexible premium products provide flexibility in terms of the premium and sum assured.

Too complicated for comfort

After a tough quarter, insurance companies are going through a second round of cost rationalisation. A number of private sector insurers are planning to cut costs, as much as 20 per cent, in the next few months.

Insurance companies to again cut costs

Equity funds are different than shares. choose the one that best suits your risk appetite.

Stocks versus equity funds

The I-T Act allows taxpayers to adjust capital lost with any income or gains made in another year.

Lower liability with losses

I have been investing in mutual funds since 2006 and have used Value Research&rsquo;s fund classification. I invested for the long-term and do not require the money now. The returns are around 34 per cent.

Check for expenses with returns

I want to invest in a multi-cap fund, as I have already invested in HDFC Top 200 and HDFC Prudence. I want to know the advantage of multi-caps and if it is a good time to invest in them.

Multi-cap funds have high risks

You need not compromise on your lifestyle spends. Just avoid impulsive buys and plan for big-ticket purchases in advance.

Soaring prices? No problem

EMIs would rise if banks go for another rate hike.

Rate hike? Keep steady cash flows

While most sectors of the economy are seeing a sluggish loan demand due to high interest rates, credit card spending seems to have bucked the trend.

Credit card spending on the rise

Using the diesel or LPG version is cheaper by 40-50%, but they score lower on other measures.

Buying a car? Check your usage

Service providers can be held liable under the Consumer Protection Act for payment of compensation in case of loss caused due to negligence.

Banks can be hauled up for not verifying customer signature

Need urgent cash or want to make that impulsive purchase? Use your &lsquo;debit&rsquo; card, the one linked to your mutual fund investments. Reliance Mutual Fund is offering investors an &lsquo;Any Time Money Card&rsquo;, that works like a debit card (allowing withdrawals at ATMs or point-of-sale transactions) and uses the schemes (debt and equity) one has invested in as the account.

Withdraw money from mutual funds at will

I retired last year and now work as a consultant on an hourly basis. My earnings do not exceed Rs 5 lakh annually.

Taxation: Homi Mistry

Life insurance companies planning to tap the equity market through initial public offerings (IPOs) would have to secure a &quot;written&quot; approval from the Insurance Regulatory and Development Authority (Irda), before applying to market regulator Securities and Exchange Board of India (Sebi).

Life insurers' public issues will need Irda approval

Classify goals into those for the short, medium and long term to arrive at a risk mitigation plan, advise experts.

Measure your risk ability, then invest 

I am currently insured under the group health insurance policy taken by my employer. However, soon I will be quitting this job.

General Insurance: Bhargav Dasgupta

Only investments made before the Direct Tax Code will enjoy tax advantage on maturity amount.

Bank FDs: When less is more

The cost indexation allowed for tax set-off includes the period the asset was with the earlier owner.

If selling gifted homes

Sebi&rsquo;s new move will lower costs for customers and make shifting brokers easier.

Single KYC, multiple options

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 884 - Personal Finance