Page 2 - Personal Finance
Super top-ups in health insurance: Match deductible with base sum insured
When base and super top-up are from different insurers, the second insurer may offer reimbursement, not cashless
 "Super top-ups in health insurance: Match deductible with base sum insured")
Allocate 30-70% of your equity portfolio to large-cap funds, say experts
Large-cap funds have shown steady performance, with recent results pointing to improving earnings momentum across leading companies. Experts say valuations look appealing for long-term investors
 "Allocate 30-70% of your equity portfolio to large-cap funds, say experts")
Term insurance: Pick insurer with consistently high claim settlement ratio
A strong persistency ratio signals customer trust, better service and fewer disputes, while a high claim settlement ratio shows how reliably an insurer honours claims-key checks before buying term cov
 "Term insurance: Pick insurer with consistently high claim settlement ratio")
Rigorous due diligence key when buying property via bank e-auctions
While properties can be purchased in such auctions at a discount to market value, they carry the risk of hidden liabilities
 "Rigorous due diligence key when buying property via bank e-auctions")
Treading with care at a new frontier: RBI cautious on banks' M&A funding
Mint Road's proposals on banks' M&A funding are cautious even as entrants root for more elbow room, and weigh business models
 "Treading with care at a new frontier: RBI cautious on banks' M&A funding")
Partial hospital bill payout: Boost policy cover to secure full claims
In particular, avoid room rent caps that lead to proportionate deduction
 "Partial hospital bill payout: Boost policy cover to secure full claims")
Rich IPO valuations: Track post-listing performance before investing
Better price points, aligned to fundamentals, tend to emerge once the initial hype fades
 "Rich IPO valuations: Track post-listing performance before investing")
SPARSH portal for defence pensioners: Here's how to get your PPO online
The Defence Ministry's digital pension platform lets retirees access, view, and download their Pension Payment Order with just a few clicks.
 "SPARSH portal for defence pensioners: Here's how to get your PPO online")
Exit a fund only if risk appetite changes or tracking error widens
Experts say investors should not exit smart-beta funds due to short-term underperformance as factor strategies are cyclical and tend to recover
 "Exit a fund only if risk appetite changes or tracking error widens")
SEBI warns on digital gold: Should you cash out or hold? Experts explain
'Safety must come before convenience,' say experts, urging investors to rethink unregulated digital gold after SEBI's latest caution
 "SEBI warns on digital gold: Should you cash out or hold? Experts explain")
Use RERA portals for property due diligence before and after purchase
Whether you wish to assess a developer's track record or the quarterly progress of a project, this is the source you should turn to
 "Use RERA portals for property due diligence before and after purchase")
Wrong bank charge or failed payment? RBI's portal helps you fight back
The central bank's online redressal system ensures your grievance doesn't go unheard.
 "Wrong bank charge or failed payment? RBI's portal helps you fight back")
Madras HC calls crypto 'property': Here's what it means for investors
'Treating crypto as property upgrades investors from users to proprietors,' says expert after the Madras High Court granted digital assets legal status
 "Madras HC calls crypto 'property': Here's what it means for investors")
Banking, financial services funds: Enter via SIPs with a 5-year view
If loan growth does not rise towards the 12-13 per cent range, valuations may shrink
 "Banking, financial services funds: Enter via SIPs with a 5-year view")
Worried about Aadhaar misuse? UIDAI has rolled out a new safety vault
Organisations that have access to Aadhaar information must store it in the secure vault, says UIDAI
 "Worried about Aadhaar misuse? UIDAI has rolled out a new safety vault")
Algo trading: Trade with multiple stop-losses, strict risk control limits
When selecting an algo, factor in not just the returns but also the costs incurred while trading
 "Algo trading: Trade with multiple stop-losses, strict risk control limits")
New investors should enter systematically with a minimum seven-year horizon
New investors should enter US-focused funds systematically with at least a seven-year horizon, while existing ones rebalance portfolios and moderate tech exposure amid high valuations
 "New investors should enter systematically with a minimum seven-year horizon")
293% gains for Sovereign Gold Bond 2018-19 Series-I, RBI sets exit price
Investors in the Sovereign Gold Bond 2018-19 Series-I can redeem early on November 4, 2025, at Rs 12,039 per gram.
 "293% gains for Sovereign Gold Bond 2018-19 Series-I, RBI sets exit price")
Health insurance sum insured: Review every 2-3 years to beat inflation
To strike a balance between the need for protection and affordability, combine base policy with super top-up
 "Health insurance sum insured: Review every 2-3 years to beat inflation")
India's travel boom gets luxe: Early bookings, smart spends, big getaways
Premium stays, early planning, and value deals define Indian travellers' festive bookings, finds MakeMyTrip
 "India's travel boom gets luxe: Early bookings, smart spends, big getaways")
