DTC Bill has some significant changes from the earlier draft, not all being concessions to taxpayers.

Some cheer, some loss, some things unclear

Business Standard

Motilal Oswal, chairman and managing director, Motilal Oswal Financial Services, outlines an equity market strategy for retail investors in a freewheeling chat with Dipta Joshi.

Q&A: Motilal Oswal, CMD, Motilal Oswal Financial Services

In many cases, it may make sense to renegotiate as well.

Shift to base rate

Term plan is a pure protection plan and does not give any maturity benefit in case the insured survives the entire policy term. The sum insured is payable only on demise. In the RoP term plan, the total of all the premiums paid (excluding for riders and extra ones) is returned to the policyholder on his survival at the end of the term.

Life Insurance: Deepak Sood

A guide to get the best deal on a home projector.

Enjoy the theatrics at home

Costs rise from today for buyers of under-construction properties due to the imposition of a service tax on builders.

Unfinished home properties get costlier

I am 31 and have received a lump sum amount of Rs 10 lakh. I want to use this money to build my retirement corpus. I have two plans. One is that I divide the sum in three parts, invest them in three good mutual funds and track them regularly. Else, I can invest this money in a trusted company deposit and invest the monthly proceeds in mutual funds through a systematic investment plan (SIP). I have already shortlisted the deposit and expect a 10.5 per cent annual interest rate. My qualm is that SIP can never beat lump sum investments.

Financial Planning: Sumeet Vaid

Days after State Bank of India extended its teaser home loan scheme, the country&rsquo;s largest mortgage financier, Housing Development Finance Corporation (HDFC), followed suit.

HDFC extends teaser rates

The Reserve Bank of India&rsquo;s (RBI&rsquo;s) move to raise key policy rates may cheer depositors.

Repo rate rise may make deposits more attractive

Interest rates on auto loans are set to go up 25-50 basis points from next week following the 25 basis points hike in repo and reverse repo rates by the Reserve Bank of India (RBI).

Auto loan rates set to go up

If the credit card limit is exceeded, it is your problem. And, that is true even if the card is stolen.

The wild, wild world of credit cards

Youngsters in their 20s have to understand the importance of savings and investments.

Life need not rock always

Extend your scheme by three years, especially if you have not crossed the limit of Rs 15 lakh.

Both safety and higher returns

Home loan repayment for an under construction property will get tax benefits only after the buyer takes possession.

EMIs now, benefits later

I am 35. I intend to accumulate wealth for my retirement, children's education and marriage. I have not determined the amounts required for these goals. My investment time frame is 20 years. I also wish to buy a car in a year's time. Please take a look at my portfolio. I invested in mutual funds in lumpsum.

Goals: Know time-frame, cash need

I am 32, married and have a child. I wish to invest Rs 12,000 for the long-term in the following funds via systematic investment plans (SIPs). I have chosen tax-saving funds. Please review and advise.

Hold few funds, avoid clutter

With volumes continuing to grow at a robust pace and companies effecting price hikes on the back of a sustained demand, auto majors are likely to register 30-35 per cent growth in revenues and profits for the June quarter. The economic recovery and consequent robust demand has helped bring back pricing power to a sector that was struggling a year ago with dropping sales, rising inventory levels and low capacity utilisation.

Auto companies navigate high costs, price hikes

I hold stocks of many big banks. Experts are contemplating a rate hike soon.

Investing: Paras Adenwala

Those buying pension plans from insurance companies may soon find the returns are too low. The minimum guaranteed return &mdash; 4.5 per cent (subject to change) &mdash; is unlikely to beat inflation. This is not comforting for someone looking at building a retirement corpus through a pension plan.

Look at other options for pension needs

The Hindu Civil Code, based on earlier religious practice, selected for the purpose, gives women to whom it applies various financial rights. This has been done through legal recognition of the ancient Hindu concept of stridhana. There is also an equal right to inheritance, under a separate law.

Where law takes religion forward...

NHB to start the exercise for a smooth transition.

Home loan firms may see new lending rate norms

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 905 - Personal Finance