Home > Business > Personal Finance
|January 27, 2005|
FAQs: Income tax & home loans
Tax benefits can be claimed on both the principal and interest components of the home loan as per the Income Tax Act. These deductions are available to assesses, who have taken a loan to either buy or build a house.
|January 20, 2005|
How to choose a pension plan
A pension product that provides at least a capital guarantee and a minimum return on investment is a much better option.
More ways to save tax!
For those of who earn a gross income of below Rs 5 lakh (Rs 500,000), Section 88 of the Income Tax Act gives you some good tax-saving avenues.
Code to rein in credit card issuers soon
Unsolicited credit cards and phone calls from direct sales agents pushing credit card sales could be a thing of the past, if the Indian Banks' Association has its way.
Small savings with big tax benefits!
If tax planning is high on investors' agenda, small savings instruments emerge as a natural choice.
|January 19, 2005|
Great insurance strategies for all ages!
Not all individuals have the time, patience and expertise for this kind of active 'insurance management'. We have outlined a likely insurance strategy for you.
Equities: 8 investing tips!
Here's an attempt to list a few points that would aid an investor in mitigating the risks and curtailing the losses during times of volatility in the stock markets.
|January 18, 2005|
How to invest and save tax!
You are a successful investor if you have a tax-efficient investment strategy in line with your investment objective and risk profile. Here's help to get you there.
|January 17, 2005|
The pros and cons of a cement stock
One of the key factors that seem to have a major say on stock price movements of cement companies are cement prices!
What's your margin of safety?
In daily parlance of investing in the stock markets, one generally comes around the two most used (and often misinterpreted) terms related to the subject - risk and return.
|January 15, 2005|
Volatility grips fund investors
Stock markets aren't what they used to be, at least not in 2005. For the second week in a row, equity markets slumped, something we haven't seen in some time.
|January 13, 2005|
Cash dash: Loan against home is cheaper
Zara Fernandes, 28-year-old public relations professional, was in turmoil in July last year. Her father needed urgent brain surgery and she had no idea how to rustle up the money.
The formula to trump PPF returns
If one were to identify stocks (and construct a portfolio) that can give a similar compounded annual growth rate of 8 per cent for five years or more, then surely you can keep PPF on the backseat.
Automatic ULIP for the layman
SBI Life Insurance feels it has evolved a solution for policyholders as most ULIP investors are not really financially savvy.
Tax benefits of a pension plan
pension plans apart from playing a significant role in retirement planning, also offer tax benefits under a dedicated section i.e. Section 80CCC
|January 05, 2005|
Invest only for long term now
You should get invested at this stage only if you have a long-term perspective (atleast a 3-Yr period) and utilise the SIP (systematic investment plan) route.
Want peace? Invest in pension plans
Investors must invest more into pension/annuities than is currently being done, as other than tax benefits it also takes care of the high expenditure post retirement.
Home loans: What to expect in 2005
If you can handle risks and are willing to go the extra mile to benefit from any further fall in interest rates, floating rate home loans will be best suited for you.
|January 04, 2005|
Stock market? You can still make money!
Investors who feel 'left out' by the run up in equity markets need not fret. They can still invest with a long-term view and make money.
Why you must buy term insurance
While different individuals plan their finances differently based on their needs and incomes, it is also true that all individuals need to have a term plan in their financial portfolio.
|January 03, 2005|
Where to invest, PPF or stocks?
As the domestic economy marches on the high growth trajectory, leading Indian companies may be better bets than fixed-income options.