Page 57 - Investment

7 tax exemptions that can land you with a penalty

If you claim them on certain items of income or investments, adhere to the rules or be prepared to pay a penalty for tax evasion

Readers' Corner: Sanjay Agarwal

Pathardi, Nashik: Attractively low prices

Complain against the actual service provider

Consumers often complain against the divisional officer of an insurance company who is a separate legal entity

Swaps can often be devilishly complex

While decoding the derivative instrument of swaps, remember there's always likely to be a loser

Where there's a will, there's no trouble

A handwritten or registered will has greater locus standi than a typed one. However, get it checked by a lawyer to avoid any disputes

Buy more in a falling stock market

In your panic to avoid losses don't stay away from assets that could provide better returns

Evading wealth tax is a criminal offence

You could be charged penalty of up to 500 per cent of tax amount or face imprisonment

Sentiment-driven trends always overshoot

Hoard cash until Nifty falls below 5,000 and then start index-buying systematically

Is India facing stagflation?

If true, we will see a bear market and prices will drift down slowly over a long period

Get locked into debt instruments

With interest rates rising, it is time to get into fixed instruments for a two-three year period

What is your real return?

The rate of return you get on your investments might often not be your final return. Here's how to calculate it

The rupee fillip for your portfolio

IT, pharma and textiles might be among the better-performing sectors in a bear market

Entrepreneurs' tax-saving options

The number of options are many, but the paperwork is quite cumbersome

Have your own medical corpus

Invest in recurring deposits or other tax-effective instruments, in addition to your health cover

Is India headed for a full-blown financial crisis?

Successful investors hoard cash in the early stages of a crisis and buy assets when prices collapse

HUF helps couples save tax

It qualifies for all benefits of Section 80C like an individual, and, therefore, gives twice the exemption

What to do in a volatile equity market

Choose large-cap, dividend-paying companies and invest systematically

Corporate earnings growth could slow

The market could end up trading at a lower PE on earnings growth decline

The three covers you must have

Accident, health and life insurance are essential for all