Page 7 - Investment

Invest in gold bond schemes

It's good for diversifying portfolio and saving for long-term goals

Don't wait, buy a house within your budget

It will bring down the cost of a second house because of tax benefits and price appreciation

How to deal with different scores from credit bureaus

If variation is over 50 points, write to the bank and bureau immediately to correct the discrepancy

Start maintaining a personal balance sheet

A ban on high-value cash transactions can result in more notices from I-T department and rise in realty prices

Get Fatca compliant at the earliest

It is especially important for US-based non-resident Indians who want to invest in India

Realty check - Budget: Rs 25-50 lakh

Readers' Corner: Taxation

I want to know whether the provisions of deemed let-out of house property will be attracted if my partnership firm has invested in one or more house/s

Theft without force isn't burglary

SC has observed that a clause in an insurance policy must be interpreted in a manner which benefits the insured only when the wording is ambiguous

Co-branded cards limit your options

While the number of points per spend is higher, one needs to make substantial expenditure on the credit card to get big benefits

Re-evaluate investment if fund's nature changes

Ask yourself: if you had fresh money to invest, would the new or merged fund be your first choice?

Dial D for disruption

RJio's aggressive plans will lead to significant impact on listed companies in this space

NPS scores on returns

In government bond plans, the NPS has returns of about 11 per cent, whereas long and medium term gilt funds category average is 9.9 per cent

Commercial property gets attractive

While hospitality, educational institutes and offices are gaining traction, warehousing could become a good option after the implementation of GST

SIP your way to wealth with stocks

Identify a few long-term growth stocks and invest small amounts in these each month to create wealth

Don't let high agent churn hurt you

While the company may send an alert, the onus is on the customer to ensure timely payments

Income fund investors need to tread carefully

After Urjit Patel's appointment as RBI governor-designate, the bond market witnessed a sell-off, as it became evident that there won't be any significant change in stance

Preferred by luxury home buyers

Making money gets difficult

An index P/E of 23 implies that the market is already discounting EPS growth at 20% or more

Online advantage for offline deals

Many websites, apps offer discounts on services, products during lean periods, but read the fine print before choosing

Many choices make NPS complicated

Both debt and equity can be allocated in different proportions depending on your age and risk profile