Page 14 - Investment

Wellness features in health insurance make sense

While they offer additional benefit, the premiums of these plans are competitive

Are you adequately insured against critical ailments?

Use World No Tobacco Day to evaluate your financial preparedness vis-a-vis critical illnesses

Avoid rejection despite a low credit score

Options you can try include an NBFC or pledging your assets as collateral to garner a loan

Case study

Never too late to buy a term life insurance

For those between 50 and 60, it makes sense to have a policy if you have dependants and liabilities

Smart-index ETFs good for passive investors

While the initial 'smart' index is based on quantitative models, the fund manager has no role to play after that. Being ETFs, they are cheaper as well

Readers' Corner: Taxation

Mulund: Strong rental demand makes it a good investment option

Mulund has good recreational and entertainment facilities, and quality social and civic infrastructure such as educational institutes and hospitals

Relief for purchaser in auction

When a case is delayed, even favourable order and compensation cannot make up for the losses suffered

Own a yacht at a fraction of its cost

Opt for timeshare, fractional ownership or simply rent out, depending on your budget and requirement

The crisis in public sector banks

Under pressure from RBI, they have presented a true picture of losses. It is now up to the government

NCDs suit those in lower tax brackets

Investors in the 10% and 20% slabs can get better post-tax returns compared to a bank fixed deposit

Your Money: Should you opt for National Pension System?

If you prefer a forced-savings product, NPS is a good choice. It can become better with tax benefits

Case study

Virtual planning for real events

Apart from up to 30% discounts, online event planning websites also help you understand current trends

Realty check - Budget: Rs 2-2.5 crore

If you are looking at buying real estate, an idea about prevailing rates would come in handy

Go by performance, not only insurance premium

To minimise the chance of disappointment, look at other parameters like persistency ratio, speed of claim settlement and other crucial factors

Food and fuel are major concerns

Food inflation can be managed if rains are good. But if fuel prices rise, current account deficit will be a worry

Mutual Fund: Nimesh Shah

Nimesh Shah, MD & CEO, ICICI Prudential Asset Management Company, answers your questions

Avail of tax amnesty scheme despite high levy

Govt will take away 45% of declared income but experts advise people to come clean