Page 24 - Investment

New debt fund norms will reduce risks

Investors should ensure their risk appetite matches investment strategy

Customise health plan according to your needs

Sometimes, two separate ones might work better, if you want to include parents. Or you can get a higher no-claim bonus by paying more premium. Play, sensibly, with the options

Case study

Readers' Corner: Mutual Fund

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

Srisailam Highway, Hyderabad: An ideal location for long-term investment

Srisailam Highway, located in the southern part of Hyderabad, is bustling with real estate activity

How tax laws discriminate against 'homers'

The ownership of multiple properties allows money laundering as well as leads to revenue loss

Valuations still too high

A deep correction will bring these down to levels where investors could start bargain hunting

Time for tax paperwork

Ensure the employer has all relevant documents. Else, your pay will take a serious hit in the next two months

Take advantage of online lending platforms

If borrowers don't have access to a bank's credit facility, it could make sense to use peer-to-peer systems. Lenders need to be careful, as these are not yet regulated

How to handle tax notice under Section 245

If the refund is wrongly adjusted against any past tax liability, immediately clarify it online

Now, you can file cheque bounce cases in your city

Govt notifies amended Negotiable Instruments Act; move will make life easier for those who have deposited cheques in a different city

Direct MF plans made convenient

Advisors can now access feeds of direct plans

Case study

Realty check

Budget: Rs 1-1.5 crore

Plan your summer holiday now

It's a good way of cutting costs, on both travel and stay; also, in case of late cancellations, travel agencies will offer alternative dates or locations

General Insurance: Rakesh Jain

Actual loss need not be paid if claim is inflated

Insurance company is not liable to pay claim if fraudulent means or device are used by the insured

Gains for some, losses for many?

A market where prices are not likely to go up for a while provides opportunity to build up positions

Choose a discount brokerage if you don't need advice

They work out better for intra-day and derivatives trades. Those investing to make a portfolio can look at full-service brokers

Themes for 2016

Whether it is equities, debt or gold, experts see a lot of changes on the personal finance front