Page 20 - Your Money

Your money: How to compare insurers' data

While claims ratio is an important number, look at complaints, other parameters before choosing a policy

Your Money: Maintain 8-12% allocation to gold

The price rally in gold, which started since the beginning of the year, may not sustain

Don't dive headlong into money-making schemes on the internet

If you do fall victim to fraud, file your complaint at RBI's Sachet web site

Your money: Diligent paperwork helps in claiming tax benefits

Any lapse in documentation by an employee will lead to sharp cuts in salary

Your money: Understand why a promoter is hiking stake

It may seem like a confidence call but before buying the stock, check if there are other reasons

Your Money: Pay tax in proportion to ownership

Unless clarity is maintained, couples who jointly own houses could get into conflict with the tax authorities

Your Money: Stick to your MF distributor

Shifting to a registered advisor may not necessarily ensure protection from mis-selling

Now FDs with 8% interest for senior citizens: Should you invest?

Exhaust the post office scheme limit before investing in this

Your Money: Opt for short-term debt funds as an alternative to FDs

These funds carry low risk & should be able to beat the returns from fixed deposits

Your Money: Customers on base rate should shift to MCLR

Though banks charge 0.5% of the outstanding amount, it makes sense to shift, given fall in rates

Your Money: Five new year financial resolutions

Don't just earn, be an aggressive saver as well

Your Money: Revision of returns can come under scrutiny

If you are making any drastic changes, make sure there is adequate documentation

Your Money: Opt for mid-caps in defensive sector

Large-cap companies in pharma and IT sectors are facing growth slowdown

Your Money: Diversify market and currency risk with US funds

Investors with adequate exposure to Indian equities should invest in US funds to avoid the risk of being exposed only to the Indian market

Another fixed income option for HNIs

In IndiGrid's infrastructure investment trust issue, collateral, projected cash flows look robust

Now you can do mobile banking without internet: How it works

USSD-based mobile banking works on feature phone but it's not secure, say experts

Secure your mobile wallet

With e-wallets beginning to play a larger role in transactions, it's important to adopt certain precautions

More flexible but less comprehensive

You can buy a term plan and a critical illness plan separately

PoS person is latest channel for selling life insurance

While one will be able to buy insurance quickly, it will only sell products with limited sum assured

Succession planning: Nominee has right to property

A Supreme Court judgement says that a cooperative society cannot challenge the transfer of property to the nominee, if she is a relative of the deceased